快讯：Rate/Bonds/NewHouseStarts/...

年轻的心

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2010年12月
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Bank of Canada Interest Rate ' _: e% n  [5 J - ]$ T3 X& ^4 J! ~ September 8, 2010 1.00 % October 19, 2010 1.00 % December 7, 2010 Next meeting date Source: Bank of Canada 7 b* ?' |6 H: Z 4 K# c; }9 g6 e' a1 g; WBank Prime Lending Rate 3 x) R2 t5 \: ^4 _ / u5 R. N9 P/ _6 \+ n& W0 ?! ?9 ] September 9, 2010 3.00 % October 20, 2010 3.00 % December 8, 2010 Next meeting date - u' \) I1 ]7 z9 H0 y; `- z3 HSource: Bank of Canada " a4 q- m/ P- T" h! {, Q' ]7 w/ I' k ( n9 C$ B1 B8 k5 a; ~" @ Conventional Mortgage - 5 Year Rate* 7 P8 M$ d% ~. Q; P  ~ September 15, 2010 5.39 % October 18, 2010 5.29 % November 29, 2010 3 h" a6 ^* N& [( F2 x% P5 D 5.44 % ; k1 z/ H8 p- Z# P6 fSource: Bank of Canada *Determinant for high ratio mortgage variable qualifying rate 5 c  j/ l  R+ N! s % \9 i+ |% `+ e3 GUS Federal Reserve Board Discount Rate ; h+ X; x9 T; _/ n, t- Q! v! U9 Z2 y/ X September 21, 2010 0.00 % - 0.25 % November 3, 2010 0.00 % - 0.25 % December 14, 2010 Next Meeting date Source: US Federal Reserve 3 f3 a& h& e* a8 B* ^+ `: a0 l & L/ H5 j9 E9 W   ]% r$ M/ _) I8 z: Q Exchange Rate $CDN($US) 1 F$ n3 C3 X0 i October 28, 2010 0.9790 November 10, 2010 1.0000 November 26, 2010 0.9804 * V  p# K6 R4 ]+ {8 V$ O+ \Source: Bank of Canada , ]* l( Q0 T) M1 ]4 ], o ' {' n: P. [' r; w. G9 b3 [ 9 d% D1 o, F' f : I1 E$ Q+ {) f$ `% U3 Y 0 u2 A* I3 @, e9 P1 D! XGovernment of Canada Bonds 9 v* E: ?2 ~$ K/ i5 Q) M+ F. J1 d Bond Type October 27, 2010 November 10, 2010 November 24, 2010 1 year Treasury Bill 1.21% 1.27% 1.39% 3 year Benchmark Bond 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 % K- \( ~- a: [9 [/ x  a- H8 Z 0 v8 I* A0 B! s0 ^ 1 H9 ?$ W2 C' K, K5 n5 \' C+ e9 F ( J' q0 W$ X8 M4 h4 G) nTotal New Housing Starts (Seasonally adjusted and annualized) + E# S; e3 m* N" l) ^ Province + [! J" A5 s. J, h- l6 R3 g0 { August : X3 _0 u+ X5 M8 }2010 # f: a0 ?/ d) |- W  W, p- b# h& b August 2009 2 k6 l  v% W& n September 2010 + N# M! H: m: ~( X September ! S6 [* j" v* s; e9 Y8 T( U2009 October 2010 - b- E9 y) D/ M2 A; d7 Z October 2009 . _8 k4 G3 Q" S" F2 E7 A Newfoundland/Labrador 1 U  f; Q* G8 D6 i3 z8 n4 W+ m; _ 3,500 2,400 3,100 2,800 3,400 2,900 8 ^- u+ Z7 x/ I- \2 f7 J5 M% E PEI + L% s& {% o: Q" Q: R' G# t5 j 1,000 1,000 5 T4 @; J3 L" u 500 + U2 }# d' a5 `1 D 700 400 1,200 Nova Scotia / c/ J8 y; J1 s/ n0 P 3,200 , c9 a# E3 X$ X; }4 F 4,200 % e  A/ s' o$ _+ N, B6 g 4,100 4,500 + h7 f0 K) \1 W9 U+ i1 E! ~. P5 i 4,700 / A1 W( x* }9 X 4,000 New Brunswick * `0 e) t( P$ ~  v4 Y 5,100 3,700 2,400 . x: Y2 D1 G5 U 2,900 5 {6 R. j/ d9 h) o" X, M/ l 4,900 6 s* U$ Q6 ^. c% X9 b+ t+ z 3,600 Quebec 48,300 47,300 50,700 41,300 48,600 37,200 Ontario   ?: E0 s* ^% `- ~' w; ~ 64,800 4 T5 k3 n6 A' h% Z' g2 w 44,200 58,000 8 o# n5 G5 q/ y0 H; K. v, @ 50,200 1 \9 K, }( o" c 44,700 57,600 Manitoba 8 Q& r1 D9 u% K6 l# ]  |, k- ^ 6,100 5,000 4,000 % d$ U' A. M8 X 4,400 3,800 + J4 ~3 P  `( `4 R# Q$ ^9 Y4 g' w7 x 4,200 Saskatchewan & C# \, L. I/ E6 g& i+ O( u 7,700 % C! j4 E) F# ^/ `! P! V 5,100 5,400 1 p  _1 k$ _3 I( j 3,700 - U1 p* k) Q! P/ M, v 4,700 7 L- |4 ?6 S( h0 ~% I! Y9 Y 3,600 + O# n4 P0 d# z9 E7 {5 ]4 M Alberta 4 M+ g: }  r, B$ L$ A 23,500 18,400 27,100 & P5 c9 f8 m& y( I4 U1 i% B 22,600 25,200 / U' C. Y4 g: R! V5 f) F7 ^ 25,000 - n$ z5 p- U% X& w British Columbia 27,800 19,200 29,700 16,200 ) U, P  q' ^" X. T# V 27,500 , W. ~; g+ r; b: |  G 18,200 3 P3 _- ~$ O! M1 M CANADA 191,000 2 B+ Y) i9 d& O 150,500 9 E8 u& ~3 Z4 H' K! \, Y. Z 185,000 . K( S! j7 R2 P9 p 149,300 167,900 157,400 # j) k8 e0 T; i; W, v' I * o6 c5 n, V& ]' ~, l2 R2 uSource: CMHC Housing Now - November 2010 and November 2009. This seasonally adjusted data goes through stages of revision at different times of the the year. : K# |* S' @( [- K6 @9 t 3 `6 `9 K+ ~1 _4 |" Z# J( ~# | 8 A. |) h2 v! L$ { 9 z, C% L% c! _( BAverage MLS® Resale Price for Local Markets * D& L; v% X( L ) _2 |- S$ t/ h) c% J City October 2009 October 2010 Halifax $235,465 $248,678 Saint John $178,632 5 d4 E# n( v- l1 W3 e- u $165,032 Quebec $219,440 $246,918 Montreal $285,100 $309,638 Ottawa $320,561 $305,872 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 $343,747 * [, r- {3 ^3 X, F7 e. ^Source: Canadian Real Estate Association & l' `/ s) u) T7 N# F Quarterly Housing Affordability Index Standard Two-Storey 8 L. s/ p+ U8 t$ o: m  [/ E1 d Average Price RBC Housing Affordability Measure Region ) w8 |- Y, ^, l% @5 Q3 H Q3 2010 ) c8 U2 M6 y5 c" F5 q($) / d4 f4 ~# G2 {& u- z) M9 a Y/Y 9 x9 {" Z! z  _% ch. 6 N5 Y% t; O. h, h4 v! V Qualifying Income ($) ) e' B: M8 ]/ `+ yQ3 2010 4 d2 Y9 S/ b, _0 ^& p' t Q3 2010 8 H+ ~# `  H$ F- t' F  [  {* i(%) ( r( o# {/ E( B' q3 Q- c! y Q/Q ) j  q7 k8 T/ o. _* c6 oPpt. Ch. ' v3 s+ h5 Z7 F5 x) R Y/Y . W* h1 a$ w8 A+ s- VPpt. Ch. & ?, O6 ]  e6 u* X( }* Q+ Y Avg. since & b6 U6 u  L0 ~'85 (%) $ A3 C2 W7 y+ T& R* ] Canada 5 R9 r8 f" f! U( D$ F6 A 370,700 6.3 83,100 46.3 $ i4 O  G  K8 K8 \ -2.5 0.3 43.3 , j2 `+ H" v: Y* ^* K) R3 K1 h British Columbia ; v8 d6 f( W6 U2 T 624,800 8.0   W4 P" |1 n! o8 ]0 X: y0 Y 124,500 67.5 -3.9 . r+ {2 B& U+ g% Y3 D- e8 b 1.4 , \+ S7 P" R2 D5 v5 y 54.1 Alberta ; X4 u1 ~, O' u9 |/ @ 365,600 0.1 81,400 35.6 / x1 j( q( A# L+ \0 Z: d -1.8 -2.0 ' `  |3 B6 m$ e 38.6 Saskatchewan $ p0 K& A; o4 Y1 U0 l" }2 \ 315,300 6 _$ Z2 F: m9 }( S( {6 _: F* v 5.1 74,100 ! k9 M+ Q+ G0 Z- [( J& g* } 40.8 -2.2 . z. T! P% }. _  x -1.1 38.0 Manitoba   Q6 N8 c$ }  [3 _ 269,700 6 |4 K) a# d& `; V* l 7.8 65,000 37.1 - t1 J! T& z9 @5 }0 Y -2.3 0.8 / {( c: F6 ]' L$ e; p 37.7 & E- d8 {3 i4 |$ a) Y% M' o7 d' R Ontario / ]$ N9 m: N- u7 ` 388,200 6.2 89,800 44.9 -2.4 0 p9 k7 U1 h% y; D& C$ T, M 0.4 43.7 Quebec 6 v1 c3 D/ o2 m7 t- W& A1 r: W' u$ C 262,100 0 I% ?4 d6 R0 G5 w+ i1 k- a 8.6 - ]2 ~6 m3 m. m, V7 l- d 61,700 41.7 -1.8 1 J1 g  W, s9 D8 K( K  _ 1.3 1 I* g  G, [* q5 T. l# n 38.8 Atlantic 222,100 0 O, y! J! |6 e$ F 4.3 0 D5 Y7 M! j* y2 b3 `; N 55,900 36.5 * M& R2 ~0 P# W -1.4 0.1 4 o4 j" n+ }8 C5 C: n 38.0 ' G1 f+ [; d8 w1 \- i: X) C% P Toronto 3 t* X. m# G3 Y 554,700 8 A. Q. v( R1 {. w 5.6 120,400 56.2 ' d' d. Q  \' d -3.8 0.1 & x7 a0 F1 L- W: e, v 53.4 Montreal ! L1 S3 F% B% E  m- W 335,300 & h( H- m2 J& P% I( z 8.9 1 a' e' p0 s, V2 K4 Q7 @7 a2 z' ^2 ? 75,800 $ P' G1 N/ e+ q. s% w$ \9 P 51.3 -1.7 4 H# `$ h3 k8 @' Q5 ^# U, d* Q* W1 T 1.7 41.7 , K+ e$ R8 v. D+ G" q Vancouver 766,300 8.4 & g( z/ l/ v5 @! E  v9 O 149,400 9 [9 y2 @0 E! a# |) N8 f 78.1 2 I0 a3 S* |4 O8 g, | -4.7 2.0 ) Y  z1 w  L0 i4 q7 [# D. E 62.6   N% f) s* G1 c$ \- E( g Ottawa 350,600 4.8 86,600 40.5 ; ~6 B( @' \. h, ? -2.5 / l9 i/ N: w4 k2 d" o& n 0.0 39.1 Calgary 0 q; @; `, D- d 410,500 ! y1 L7 x- O% p* N) e -1.0 6 q0 R' W% m3 V& Q& a# C& u 86,700 . R% o" R' t  w! S6 C, T 37.9 -2.3 -2.6 40.3 Edmonton 0 w4 [9 l  S( Q5 h  F8 s 362,500 1.2 3 A, u# K, p2 `6 a, O 82,500 37.0 1 u" m6 w7 k7 N' A. j3 F -1.9 -1.6 , D/ }/ f: c- r4 X- p$ { 37.0 Detached Bungalow Average Price 7 I2 J8 E1 i( J4 a  q2 H, R RBC Housing Affordability Measure Region Q3 2010 $ Z) V$ d) F, A' a($) % Y& z7 u! L) D! O/ x Y/Y 0 Z) D; r/ ?7 k% ch. Qualifying 0 q5 M1 s* F7 Z0 L: xIncome ($) Q3 2010 ) x0 v. h" s! H/ C. U Q3 2010 1 M( M9 l' ~* x(%) Q/Q & M0 Y! c+ e; \' d( [, iPpt. Ch. 5 c* S8 {! }& @/ u" P" s Y/Y Ppt. Ch. 6 E" N* s2 N% m: Z& d Avg. since '85 (%) 7 q1 M" v. R* Z0 N- ]1 r0 I Canada , B, Q* _% W7 J" K5 q 325,300 5 ]" T  F5 S1 q4 k  Y 6.8 5 u# I( c; W0 k) Y 72,500 : s. S8 p" A! I6 D5 j& W4 f 40.4 -2.4 0.3 * g9 J8 y. Z; Z: D 39.0 British Columbia ' @7 ?1 e1 c! b, l  \ 544,700 8.5 * }& h5 ]: L2 W, ]  _; X- z- u1 P 108,800 5 Q' V3 \8 I* G- i+ m5 M7 b; k 59.0 * `! N! i( B2 h- c7 } -5.0 1.5 9 |9 m, o0 S9 m0 K" n! h) z 48.9 Alberta 340,500 2.9 5 G6 L8 d, X( {: E/ t 74,400 32.5 -1.8 -1.2 0 d: B" Y5 V( F 36.1 Saskatchewan : y" X0 r: r' f' B5 C! {' X6 H 312,400 6.3 2 I- p+ q3 l$ G; F( C5 U 70,900 8 [6 M* q% E# \4 J$ J 39.0 ! V8 f( ^, g1 M( a# G -1.9 " u$ ^" r7 Q5 r! a( B' ~ -0.8 36.6 Manitoba : d5 f4 G3 B+ p" ] 251,000 ! U2 v. o/ I5 r& w0 l 9.2 60,800 34.7 9 [3 ^9 L0 N5 E7 R -1.4 1.1 36.8 4 c. {7 p6 r) i! D: b+ T! w0 v Ontario 337,400 6.1   q$ z2 u' r. `7 f1 H0 s% n 77,900 38.9 -2.2 0.2 40.1 8 g0 S( ?: r0 e+ ^5 |; L* n Quebec , ~! E/ [. z; [: _8 j2 J- w 221,600 9.3 51,700 35.0 -1.4 1 J+ D$ q2 ~. M 1.2 4 U) X  q* n" B( V 32.9 Atlantic 196,600 2.3 % T& H3 R0 v: U& Y. I 48,200 31.4 -1.0 -0.4 * P, A% {7 q( [* `0 L# C- [. e. V8 t 31.6 Toronto 4 {  W+ T; i! w1 Q0 ]/ z 466,600 5.0 101,100   X! _; j) |& C2 N; Z+ Q 47.2 -3.0 # q7 a6 C0 ~0 M1 G -0.1 48.2 + R* [: `2 P* z: [* w' } Montreal & y+ R% N3 p6 M; ]" `2 x4 e$ M 271,100 11.8   ^  U4 P6 M/ a 61,600 41.7 # C! B& K. X2 V0 b' x -1.3 2.2 36.9 7 L% s- O0 @' j9 H6 \% l8 s Vancouver ' P! j# Z7 T" i. s4 t/ I 672,500 9.7 131,600 68.8 -5.4 ( L4 Y6 {2 J2 \# I' U: H8 R2 { 2.4 & n0 y7 Y+ A4 @* f0 L 57.3 Ottawa # x3 o/ }  I! o6 ^ 340,800 3.4 7 E2 K! A! l0 ?1 b/ v% n, w; I" z+ \ 81,800 38.2 -2.9 -0.5 36.6 6 ~$ _% n! `+ {$ n9 E Calgary 412,700 2.7 85,00 37.1 , o8 @" i! V6 g5 x( Z2 H% K# F -2.0 -1.5 39.9 Edmonton 322,900 % b: P7 }. e, J; \8 n. L2 G 5.4 ! f+ \: \/ L. D2 \6 S  S) Y/ O 72,900 32.7 1 C6 F3 o) v, H -2.0 -0.5 2 J" @* P- V8 x* | 33.9 5 A9 E9 U& a$ Z1 d( z* Q $ O2 M% _' p. s0 O- {% k4 j/ D- MSource: 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.

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快讯： Federal Government's Mortgage Insurance Changes
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7 W1 y  o  S. R6 x% CThis morning, Federal Finance Minister Jim Flaherty announced changes to mortgage insurance rules intended to ensure the stability of Canada's housing market.     

These measures include:
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0 C; g. A: _1 @; YAmortization period capped at 30 years
Reduction of government backing for home equity lines of credit
Maximum refinancing reduced to 85% from 90% LTV
/ x: X/ ], s) e3 vThere are no changes to down payment requirements as CAAMP recommended.

# r* ^% O0 A* q; ^CAAMP will continue to update members on any new developments.
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For additional details on the changes - click here: http://www.fin.gc.ca/n11/11-003-eng.asp

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