快讯：Rate/Bonds/NewHouseStarts/...

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2010年12月

Bank of Canada Interest Rate 4 G* |; w; |. v) p) p 6 l0 K/ P* `) o( g1 [$ V September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 9 m$ q- U# k0 `: q4 c/ g" j ; g+ D% _- C0 o Bank Prime Lending Rate September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date Source: Bank of Canada # g2 c9 z2 O* w9 m: X# a ! a* W1 h+ \8 R& S' g - z5 q$ }: y( e  Q, m" g5 X1 z; | Conventional Mortgage - 5 Year Rate* September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 2 l/ N, R/ S: D8 T 5.44 % Source: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate $ W% x9 W% t6 n; ^ 8 {# w( H2 g' f0 i / K4 M( [. f! ]6 D1 _ - \7 q5 C; x' j0 q5 wUS Federal Reserve Board Discount Rate 4 \! Q1 O4 o) N5 i) t September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date " A6 h. N. G7 y; ^, YSource: US Federal Reserve % ]0 d" A+ s& W5 ^! e % G2 p$ B/ ^6 f3 P& b - h0 A1 a# a$ k* F& C' ?6 B& X8 z Exchange Rate $CDN($US) 8 Q7 n7 W3 n9 W  D October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 Source: Bank of Canada , t+ E) n* Y8 ]7 h9 [6 D% @ 5 J9 Q2 Z4 u7 h0 ? * |7 q( Z# W  n! f# HGovernment of Canada Bonds , }0 Z, t8 t7 M) _- G 3 `" O( z. @, R( ?& n  ] Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 0 U- X( e- [! _' I  r 1.21% 1.27% 1.39% 3 year Benchmark . A, r% ~' y$ t5 z  N: i( c$ S5 FBond Yield 1.59% 1.73% 1.94% 5 year Benchmark Bond Yield 2.06% 2.20% 2.48% 10 year Benchmark Bond Yield 2.89% 2.98% 3.19% Source: Bank of Canada # y' J* A$ i. q! E$ d 7 b' C2 S1 F4 r. l $ N9 j6 I* E6 t7 V, O ( B- Q) C: `5 X4 }( X! ?# BTotal New Housing Starts (Seasonally adjusted and annualized) Province August % X) p5 `" [& @0 {  u6 W$ I2010 August 2009 September # |9 s2 e! x) u0 g2010 September 8 Q% C7 f1 W% T6 V4 D: f2009 October 2010 October & g" t) n$ ^/ X0 M' b2009 Newfoundland/Labrador ' ]: ]7 Q4 I" ]& | 3,500 + |$ n% k" {0 O( p 2,400 3,100 & H! W+ m; U" [& v$ N2 n! H7 D( _8 Z 2,800 1 a$ d* t2 S0 b: a  k- S 3,400 2,900 + M4 C1 R  y! O0 \' v PEI + o" [) {7 F# D0 s, ] 1,000 1,000 . d. _+ D* J2 A) J 500 700 8 Y" S% B* {" M3 ^ 400   n# k8 x6 ~/ W# b  W 1,200 Nova Scotia 3,200 . Q$ F# D7 w) m) }3 g, H; K 4,200 4 c. q% x) {' ^# ^ 4,100 3 B/ E' u$ t1 `( w. D 4,500 4,700 / J6 Q* z/ N6 u) s4 _7 l1 u 4,000 - b( H( z0 \3 @+ u: J" Z4 }1 N4 \" z New Brunswick ' `. }, i# t# d3 j7 n8 f6 u% E 5,100 4 K- p- ^: S/ A' v( i 3,700 7 F4 D+ e- \4 t9 A0 u) c 2,400 " C0 F, P* k3 `( E  r$ z- V 2,900 ; p0 M. m. e0 T( ` 4,900 3,600 : H4 Q" m  z" p' E" a& | Quebec ' W+ E3 m$ B" p9 y- x4 }8 `( I 48,300 47,300 50,700 41,300 , x. G& F/ Q+ a( }* Y/ t+ Y 48,600 1 F: E2 ^% v1 T' O' X8 T/ V* q 37,200 ; K! P# m" h+ c0 p+ o Ontario 64,800 44,200 0 |+ X+ `, w6 p3 o# ? 58,000 50,200 44,700 " V  r( N5 c& R4 J! O 57,600 Manitoba 2 H. G7 ?/ V# n' B4 n- B! l1 G" @ 6,100 5,000 9 n$ n) A6 P: v. u 4,000 ) n+ I0 V; n+ }) |% r8 m8 ~, d 4,400 9 H* l+ Q) o, T9 j- m 3,800 4,200 Saskatchewan , f1 {+ a  F# h  _/ H3 \ 7,700 5,100 4 r- p7 l: `9 ]  d) K2 w 5,400 3,700 4,700 3,600 Alberta 23,500   A9 K3 X4 H  \7 J) k- p9 N: R 18,400 : r/ X3 b: r4 a: O+ |$ U3 l 27,100 22,600 25,200 25,000 British Columbia 27,800 * N$ D. \1 \( ^. ?; V5 k 19,200 29,700 16,200 27,500 18,200 CANADA 191,000 150,500 185,000 1 S$ ~; ]% Z( ^9 b' [ 149,300 167,900 ( }- Y' O; t  I3 @% a; C. z: u 157,400 ) I& t8 ?7 _/ D, e& N Source: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year.   U6 M- m, c7 e5 ~- A% y- [, y ; C/ U, X3 E0 S3 g" D  `% W 3 j, V7 l  Y/ ?: }, a 6 V3 D4 R' \2 m5 j/ @# U$ w ; R1 {. r7 h; j) `. _Average MLS® Resale Price for Local Markets $ P( h$ z: p8 p5 p5 D6 ~+ m% s% L City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 4 {% b; O  I8 h; [' G- D Toronto $423,507 $443,633 Hamilton/Burlington $296,253 $305,872 Winnipeg $210,618 $229,467 Saskatoon $274,759 $293,929 Calgary $393,574 $399,679 Edmonton $351,768 $317,096 Vancouver $638,948 $707,207 Victoria $481,500 $343,747 Source: Canadian Real Estate Association # G  D3 p' i. Y3 i3 k 3 n4 Y0 K# \  M1 @* b+ d, a! x 7 Z+ V  S, d' X! F4 a$ u, R Quarterly Housing Affordability Index + X9 k4 m" @& W6 g* j0 s Standard Two-Storey 1 G0 N$ i3 E  Z- M+ h  g0 C; f Average Price 5 D2 U+ b" `9 N) H4 n9 L RBC Housing Affordability Measure ; l9 G+ [$ E3 _  @( O2 m; W Region # d- d4 o% M' T' d9 `" Y: ^ Q3 2010 ($) 1 K3 g' G% U7 B, w2 Q1 Y Y/Y   t. J4 g, \# X& {2 P- K6 s# s% ch. Qualifying Income ($) Q3 2010 Q3 2010 8 w4 `; t8 d; d' C# y  n* r(%) ! a* S! Q" S4 v7 U/ [% j( T1 U! h9 \ Q/Q Ppt. Ch. Y/Y 7 s' E+ v4 v, r# p" MPpt. Ch. Avg. since '85 (%) Canada # S( U6 s. P1 R3 E 370,700 6.3 0 K: C! S0 c- R9 j4 W: F+ W 83,100 : }( j1 }7 N; w! _; [) u 46.3 / P$ k2 g) B% o/ o2 Y; v2 F8 h -2.5 0.3 43.3 : m- F% w! X) l, m British Columbia + Z+ K/ l" F" |5 x* X 624,800 8.0 1 y. [/ g- m0 k7 d; z9 K/ w 124,500 % Y7 e; N. V* Y5 K7 f) ]4 N4 Z 67.5 -3.9 1.4 7 h0 b( E" u( c! L3 I% I! T. Y 54.1 Alberta : l- c* d* {; B) Q. C 365,600 # _4 F! N, @* \! p7 ?; T1 B( j 0.1 2 ~) v5 l0 n" ]/ g# H1 h 81,400 35.6 - r5 p; i" ~: Y+ p1 f' Z -1.8 -2.0 38.6 8 [! f8 |" H7 q9 n5 A' g Saskatchewan 315,300 0 I1 q% L8 {8 B% D; S6 C+ `: `; R 5.1 * w$ Z3 d: A5 {6 E! ` 74,100 40.8 * r% g3 O# ?4 O6 ^/ T" ]6 p' I7 ] -2.2 : Y& M) _& K2 N( j( _, K# n -1.1 38.0 - R: y3 n1 [( M1 z$ D Manitoba 269,700 4 K0 l2 u6 c, L& G& l9 B2 | 7.8 2 G6 d+ K) i& \ 65,000 7 K, _2 m- }: O- K6 @ 37.1 ' @& s1 A5 s8 E3 U -2.3 5 W* k6 H6 s2 M, ]& X: K, I! U 0.8 7 c9 ?) \" l( j' g  B7 X 37.7 $ I& l% Z6 S  p# K8 B# v Ontario ; M$ f6 i, _+ i+ i) I 388,200 4 c# M' _0 x3 z3 G 6.2 89,800 6 h" e* m2 f' l% u9 n 44.9 * o; O5 h  e& \  i. L1 L -2.4 4 L! h* D, @9 q# o1 Z+ {+ l2 z 0.4 43.7 / e; z2 a: d( N! |4 p  t Quebec 262,100 8.6 2 D3 l% l9 R# F% [4 T6 I  p3 o 61,700 41.7 -1.8 1.3 3 O! T( C. i: {' g+ I 38.8 Atlantic * P+ F% w4 v  _6 F) j 222,100 4.3 0 g( w6 D( H. J4 y7 j$ U1 i. B 55,900 36.5 -1.4 0.1 38.0 Toronto 554,700 5.6 120,400 56.2 -3.8 0.1 . f: V6 D$ u1 o! L: s+ g+ f5 P 53.4 Montreal & o- Q  c: R: l8 E) D/ u1 d 335,300 8.9 75,800 ) F( f  B# e0 G6 Q; i* L" v 51.3 $ ^+ [- `; S1 o1 i* O# w -1.7 1.7 . K3 Q4 q0 M) V" ^* r: f7 T 41.7 * Z4 i$ [8 R; P/ S- o Vancouver 766,300 8.4 ( k2 z) q6 e2 D: L" a  h 149,400 78.1 -4.7 2.0 / z* x1 o5 k: o8 @5 q* Y$ r 62.6 ; D6 P" A# X+ L" T Ottawa ; _# `- L9 K$ Y3 V: F  |. u 350,600 4.8 * O7 @- ]$ d2 t 86,600 40.5 7 \$ U# y! [7 |' ?& M -2.5 $ f  Z0 _  W& F0 v0 G; }8 ` 0.0 9 k4 F$ ?$ s0 h" j8 r! g) C 39.1 Calgary $ g8 s% D4 N2 h9 `( q$ G 410,500 -1.0 , i# x& u9 l' n$ q 86,700 37.9 -2.3 ; @- Z0 z" O+ Y& t# _ -2.6 8 e$ X$ \. d# n+ B+ ^ 40.3 Edmonton 362,500 1.2 82,500 - g' L8 c3 |" p  t, M$ \+ y 37.0 , {; b/ f: |/ a1 r -1.9 & ]! h% z5 P' u" |: c* r. s7 ~ -1.6 37.0 # V2 o4 v$ B+ z, H1 j0 w+ D: r " `: v1 Q4 K1 w; v Detached Bungalow # s: C$ p/ T  i8 ]0 b. @7 s1 o Average Price / ?" n: P% S, _: e+ U 8 b( J- ^) g( |6 Z RBC Housing Affordability Measure . l: L: ]% X9 T6 k Region Q3 2010 ($) Y/Y * g+ d! m) E% {* l8 `4 e% ch. * V; W  O+ F3 @ Qualifying Income ($) . Z2 h: n0 h6 ^- k" Q  H& P  yQ3 2010 9 e$ Y5 i9 S) | Q3 2010 (%) Q/Q Ppt. Ch. Y/Y Ppt. Ch. $ U* M/ L1 y+ V# j, G( [ Avg. since & p9 t: |! r* o& B9 E'85 (%) & }7 q3 V8 V* [0 {7 Z9 Q Canada   s2 G0 j/ g( G9 v) O& W 325,300 6.8 72,500 ) B. ?& G6 C& y( o& l1 {  e! D# ]& k 40.4 ! |; z9 ?7 d* L* g& N% K/ y -2.4 0.3 4 F% @5 b1 G5 r1 { 39.0 . D/ ~+ q! j: g% C6 v British Columbia 544,700 8.5 108,800 1 E2 Z8 u# g8 ^  V% i" a9 [* e 59.0 -5.0 1.5 * M  k* T/ {% B* w 48.9 3 |& @' n* b/ S8 m+ U; t Alberta ( H3 E# n/ b6 X+ s. b6 Q" W 340,500 2.9 4 X8 c! b) j: L" |% I, D( t 74,400 6 y4 E9 J2 }) T2 o) [& M- n 32.5 -1.8 # M! E; o; F  a" J! _ -1.2 36.1 Saskatchewan & c; w& I9 n0 u) o 312,400 6.3 70,900 39.0 -1.9 # l0 K' r! z; w4 \% X& [; G; I" U -0.8 36.6 Manitoba 251,000 ! I& F9 t' O; ^! @, l+ d% s7 j 9.2 2 a$ d: @3 K) L% q+ m% W% {+ Z  P 60,800 : L) b. ?, X$ Y7 x5 O2 ^ 34.7 -1.4 6 }. n/ x7 Z- Z$ G 1.1 36.8 ( X  \  [. Y0 g! t9 _: q& f5 W3 @ Ontario ( q) j- x9 c5 o  M4 `: c$ O2 i 337,400 6.1 77,900 38.9 7 R  t: N2 o1 v( k) w! x -2.2 . V& A$ J8 ^4 X  x; ~2 X 0.2 40.1 Quebec 221,600 1 f/ ~6 ~8 u9 y& E+ h( S 9.3 * v, [6 P9 K! \0 ^: k$ K 51,700 8 z: G) p  n0 ]2 z, L 35.0 9 e6 ~. A  g2 S -1.4 * H8 T+ x" u* m1 Y- q8 Z. l 1.2 32.9 ; B, y8 W2 h) \" F- [ Atlantic 196,600 2.3 8 u! G( G8 D! k7 q" S 48,200 . R% S, W& A0 W8 Z& ] 31.4 -1.0 ) F* P' w6 O* |: U5 D& H; E& J -0.4 31.6 Toronto ) `2 J! R8 q3 _ 466,600 ' A% ?9 r8 H( I$ |8 @, u 5.0 0 }# t' f+ ?7 D: B' w0 {, V& I8 u 101,100 47.2 -3.0 1 n4 g( F7 X( N/ {! W) ~' ? -0.1 / T9 ?- A- Y$ G6 { 48.2 Montreal * X1 s  I# t+ c$ P7 b/ a: m# Q 271,100 11.8 ( ^. d7 T7 f8 Q$ P8 o+ L 61,600 41.7 . C6 E" |) Q2 H6 q+ H. r) s -1.3 ; I9 V. ~* t7 |: F+ {! Q 2.2 ( _& ^, |. k! N 36.9 & |( V( g3 S/ a Vancouver ) t' E4 s7 c& E5 d- r4 L" ] 672,500 9.7 131,600 68.8 -5.4 2.4 & r6 V; {# f- z" e% B# t4 ` 57.3 + o2 @$ Q; y+ D Ottawa 340,800 3.4 81,800 $ e3 g5 a& a/ g$ C 38.2 ' R! ]' X  u+ K& I5 M2 @; e& J: p -2.9 7 f3 }; e5 I, {$ K$ W% h1 _: S* d -0.5 36.6 $ Y. a2 x  D% b Calgary $ D0 f, x3 \$ ]0 o3 w 412,700 2.7 ) a- F& x; }: b- P) A 85,00 6 y5 K  P- h4 M1 c3 h 37.1 & S$ j4 D: Q0 I* J1 k+ k -2.0 -1.5 39.9 Edmonton 322,900 - z1 o  l' A% m$ N# H) H# P9 h 5.4 72,900 32.7 -2.0 -0.5 $ P0 I- P+ O* l+ c0 @ 33.9 1 \3 T) B# q* j, W5 ` & B0 {5 a6 q" ^Source: RBC November 2010. The measures are based on a 25% down payment, a 25-year mortgage loan at a five-year fixed rate and are estimated on a quarterly basis for each province and for Montreal, Toronto, Ottawa, Calgary, Edmonton and Vancouver-metropolitan areas. The measures use household income rather than family income to account for the growing number of unattached individuals in the housing market. The higher the measure, the more difficult it is to afford a house. $ P, q! X2 X# a! n6 T9 N1 X/ t

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+ J7 J; x- O) ^& X; f- x快讯： Federal Government's Mortgage Insurance Changes
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This morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

: U1 b' u* S  C: x* FThese measures include:

1 i' C) \1 P3 k6 b) p) TAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
There are no changes to down payment requirements as CAAMP recommended.

CAAMP will continue to update members on any new developments.

For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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