Statistics

Nouvelles hypothécaires.

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Cette grille de taux vous offre les taux les plus récents, les meilleurs taux hypothécaires au Canada:

1 à 4 plex

2.60%: 5 years Variable/ 5 ans Variable

3.69%: 5 ans Fixe,120 jours / 5 years,120 days

3.50% : HELOC/Marge de crédit hyp

6Plex et plus  -$750,000

3.56 % : 5 years Fixed Closed/CMHC/5 ans Fixe Fermé/SCHL

6Plex et plus $750,000 et plus

3.21% : 5 years Fixed Closed CMHC/ 5 ans Fixe Fermé/SCHL

Commercial $1.5 M et plus

4.5% : 5 years Fixed Closed/ 5 ans Fixe Fermé

Non resident/ Non résident

Up to 65% / Jusqu’a 65%

US house prices in biggest annual rise for seven years.

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Graph of housing market

US house prices rose 12.4% over the 12 months to the end of July, the biggest annual increase since February 2006, according to a closely-watched measure.

The rise was revealed in the latest S&P/Case-Shiller Home Price Index.

The index measures single-family home prices across 20 cities, with 13 cities showing a rising annual growth rate.

Last week, the US Federal Reserve decided to maintain its effort to boost the economy, which involves buying $85bn worth of assets every month.

CONTINUE READING : http://www.bbc.co.uk/

CMHC moves to take steam out of housing market

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arrowdownOttawa is taking new steps to cool the country’s housing market.

Canada Mortgage and Housing Corp. is limiting guarantees it offers banks and other lenders on mortgage-backed securities. The measure comes amid the federal government’s efforts to protect taxpayers from financial risks in the housing sector, further cool lending and add upward pressure to mortgage rates.

The Crown corporation has notified banks, credit unions and other mortgage lenders that they will each be restricted to a maximum of $350-million of new guarantees this month under its National Housing Act Mortgage-Backed Securities (NHA MBS) program. The decision comes in the wake of “unexpected demand” for the guarantees, a spokeswoman for CMHC said in an e-mailed statement.

CONTINUE READING : http://m.theglobeandmail.com

New mortgage rules pushing 1st-time homebuyers to wait.

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WAITINGA year after Finance Minister Jim Flaherty tightened mortgage rules to not allow insured mortgages with amortization terms of more than 25 years, many prospective buyers say they are waiting longer to buy their first home.

About 19 per cent said they would wait longer to buy, a survey by Pollara for BMO Bank of Montreal showed.

In June 2012, Flaherty laid out rules aimed at reining in a hot housing market and ensuring Canadians aren’t taking on more debt than they can afford. The rules went into effect July 9, 2012.

First-time homebuyers were expected to be the most affected by the new rules, which included reducing the maximum amortization period for a government-insured mortgage from 30 to 25 years, and also dropping the upper limit that Canadians could borrow against their home equity from 85 per cent to 80 per cent.

CONTINUE READING : http://www.cbc.ca/

Payez votre facture de téléphone à temps !

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sotovymycredirstoryLe paiement des factures avant l’échéance a toujours été l’habitude de gestion du crédit la plus importante. Vous avez maintenant une raison de plus de régler votre facture de téléphone à temps. Equifax a commencé récemment à faire état des comptes d’entreprises de télécommunications (Bell, Rogers, Telus, etc.) sur les rapports de solvabilité. Même si ces nouveaux renseignements n’ont aucun effet sur votre cote de solvabilité, votre prêteur pourra voir si vous négligez de payer votre compte de téléphone, ce qui peut influencer ses décisions de prêt. Vous désirez voir votre rapport de solvabilité ? Visitez http://www.consumer.equifax.ca/home/fr_ca et commandez-le. Vous pouvez le recevoir gratuitement par la poste ou le télécharger moyennant des frais minimes.