Thursday, March 27, 2014
今天BMO 银行再次回复 5年贷款利率2.99%
Maybe it’s a coincidence that former Finance Minister Jim Flaherty is gone
but Bank of Montreal signalled it is about to kick off another
round of mortgage rate wars.
Tuesday, March 25, 2014
SOLD 西南区 Bridlewood walkout南向地下室 $494,900
Located on a quiet street in Bridlewood, this immaculate fully developed 2 story walkout features upgraded Acacia flooring thought out main and bonus room, Espresso stained maple cabinets, black galaxy granite counter tops and stainless steel appliances. open concept great room, dining area with large windows and tons of natural light. Upstairs features a large bonus room with corner fireplace 3 bedrooms. Large master with spa-like en suite and walk in closet. Fully developed basement with large media area, wet bar and 2 piece bathroom. Huge South facing back yard with water feature. Fully landscaped, new roof, soffits and fascia. Close to all amenities, parks, schools and public transportation. Book your viewing today!!
阿尔伯塔省是新增工作率最高的省份
When it comes to job creation in Canada, there's Alberta and then there's everybody else.
The latest employment data for February showed the oil-rich western province created an impressive 18,800 jobs, largely in construction, mining and oil and gas, while in the rest of the country overall employment fell.
Economists warn against staking too much on any one-month data point, but the February result is no outlier.
As the Statistics Canada report issued Friday showed, Alberta is responsible for almost all the new net jobs generated in the past year — 82,300 of the 94,700 countrywide, or 87 per cent — as the province saw employment rise an impressive 3.8 per cent.
By comparison, provinces not called Alberta only gained about 12,000 which, for the purposes of the agency's survey, constitutes a rounding error.
"I know this is not a new story but it's becoming extreme," said Doug Porter, the Bank of Montreal's chief economist. "In the last 12 months, Alberta is the only province that's seen meaningful growth. They've had job gains of nearly four per cent and meanwhile six provinces have seen declines and one's been flat."
The other provinces in the positive territory, although far below Alberta's bounty, are Ontario with an overall pickup of 28,700, which given the large population base is only an increase of 0.4 per cent, and Saskatchewan, where employment rose a healthier 0.9 per cent by adding 5,200 net new jobs.
While most provinces remain in deficit, Alberta on Thursday reported it would post a surplus this year, although some quibbled with the province's accounting practices.
However, Shenfeld concedes it's a serious problem for provincial governments that are on the losing end of worker migration, sapping their ability to raise revenue and pay for services. Canadians are moving to where the jobs are and the numbers do show that aside from creating jobs, Alberta is steadily increasing its workforce, by 81,300 in the past 12 months alone.
A spokesperson from the Finance Department said the post-recession period, where over one million jobs have been created, does not show as dramatic a tilt toward Alberta, but added that in general the strong performance of the province's economy since 2009 has been "a positive thing for Canada."
Although the recent dramatic tilt may be exaggerated by cyclical factors, the direction of jobs flow has been apparent for some time.
With Canada's manufacturing sector on its knees and home construction tapped out, two of the biggest industries operating in heavily-populated Central Canada have essentially produced no net jobs in the past year.
And another big employer — government — has shed more than 41,000 workers as Ottawa and other non-resource provinces focus on eliminating deficits.
"These figures illustrate the folly of imposing public-service cuts on a stagnant job market," said Erin Weir, an economist with the United Steelworkers.
"The first thing to recognize is that there's a problem," she said, "because if we recognize what is happening, then the problem in Ontario, Quebec, the Atlantic provinces and B.C. looks much worse."
She and other labour economists are calling for governments to become more involved in the economy by spending on infrastructure, the green economy and other measures that, in the long run, create the conditions for economic expansion and hiring, adding that she would like to see Ottawa establish a forum with business and unions to thrash out ideas.
That would help, agrees Porter, but doesn't recommend governments going into deep debt to try and engineer a short-term fix.
He notes the last federal budget did contain some measures that should help in the long term, including money for the Champlain Bridge in Quebec and the Windsor-Detroit bridge, along with money for the auto industry.
"If you treat it as something you try and accomplish in a short period of time, the results are only going to last a short period of time," he said.
At the heart of the problem is that non-commodity exports, mostly manufactured goods, have been unusually weak given the strengthening global growth, he said.
And business investment has been soft despite "healthy corporate balance sheets," what former governor Mark Carney called the "dead money" problem.
The federal government has done its bit, Carney had observed, cutting corporate income taxes, but the bounty had not been put to work to expand and create jobs.
Carney's observation is now several years old, but while current Bank of Canada governor Stephen Poloz continues to point to what he calls the "rotation" from housing-driven growth to exports and investment, that still has yet to materialize.
Shenfeld believes the weaker Canadian dollar, once the new level at about 90 cents US has had a chance to flow through the system, will help elevate exports and create more jobs in the manufacturing sector. A robust U.S. recovery is also critical, something that is out of the hands of Canadian policy-makers.
As well, he says that given that gross domestic product growth has been stronger in the second half of 2013 than job creation, he believes there might be some catch-up going forward.
But the underlying truth will remain, he says — given the global demand for resources, "the West is best" theme will continue in Canada for some time.
The latest employment data for February showed the oil-rich western province created an impressive 18,800 jobs, largely in construction, mining and oil and gas, while in the rest of the country overall employment fell.
Economists warn against staking too much on any one-month data point, but the February result is no outlier.
As the Statistics Canada report issued Friday showed, Alberta is responsible for almost all the new net jobs generated in the past year — 82,300 of the 94,700 countrywide, or 87 per cent — as the province saw employment rise an impressive 3.8 per cent.
By comparison, provinces not called Alberta only gained about 12,000 which, for the purposes of the agency's survey, constitutes a rounding error.
"I know this is not a new story but it's becoming extreme," said Doug Porter, the Bank of Montreal's chief economist. "In the last 12 months, Alberta is the only province that's seen meaningful growth. They've had job gains of nearly four per cent and meanwhile six provinces have seen declines and one's been flat."
The other provinces in the positive territory, although far below Alberta's bounty, are Ontario with an overall pickup of 28,700, which given the large population base is only an increase of 0.4 per cent, and Saskatchewan, where employment rose a healthier 0.9 per cent by adding 5,200 net new jobs.
Canadians following the jobs
One way of looking at, says CIBC chief economist Avery Shenfeld, is that the labour market in Canada is working as it should.While most provinces remain in deficit, Alberta on Thursday reported it would post a surplus this year, although some quibbled with the province's accounting practices.
However, Shenfeld concedes it's a serious problem for provincial governments that are on the losing end of worker migration, sapping their ability to raise revenue and pay for services. Canadians are moving to where the jobs are and the numbers do show that aside from creating jobs, Alberta is steadily increasing its workforce, by 81,300 in the past 12 months alone.
A spokesperson from the Finance Department said the post-recession period, where over one million jobs have been created, does not show as dramatic a tilt toward Alberta, but added that in general the strong performance of the province's economy since 2009 has been "a positive thing for Canada."
Although the recent dramatic tilt may be exaggerated by cyclical factors, the direction of jobs flow has been apparent for some time.
With Canada's manufacturing sector on its knees and home construction tapped out, two of the biggest industries operating in heavily-populated Central Canada have essentially produced no net jobs in the past year.
And another big employer — government — has shed more than 41,000 workers as Ottawa and other non-resource provinces focus on eliminating deficits.
"These figures illustrate the folly of imposing public-service cuts on a stagnant job market," said Erin Weir, an economist with the United Steelworkers.
Recognize the problem, economists urge
Canadian Labour Congress economist Angella MacEwen said there are essentially two labour markets in Canada, that one in Alberta and Saskatchewan, and the one in rest of Canada."The first thing to recognize is that there's a problem," she said, "because if we recognize what is happening, then the problem in Ontario, Quebec, the Atlantic provinces and B.C. looks much worse."
She and other labour economists are calling for governments to become more involved in the economy by spending on infrastructure, the green economy and other measures that, in the long run, create the conditions for economic expansion and hiring, adding that she would like to see Ottawa establish a forum with business and unions to thrash out ideas.
That would help, agrees Porter, but doesn't recommend governments going into deep debt to try and engineer a short-term fix.
He notes the last federal budget did contain some measures that should help in the long term, including money for the Champlain Bridge in Quebec and the Windsor-Detroit bridge, along with money for the auto industry.
"If you treat it as something you try and accomplish in a short period of time, the results are only going to last a short period of time," he said.
West to remain best
In a speech earlier in the week, Bank of Canada deputy governor John Murray expressed some confusion about the economy's behaviour of late, acknowledging that it "has not been unfolding exactly as we had expected."At the heart of the problem is that non-commodity exports, mostly manufactured goods, have been unusually weak given the strengthening global growth, he said.
And business investment has been soft despite "healthy corporate balance sheets," what former governor Mark Carney called the "dead money" problem.
The federal government has done its bit, Carney had observed, cutting corporate income taxes, but the bounty had not been put to work to expand and create jobs.
Carney's observation is now several years old, but while current Bank of Canada governor Stephen Poloz continues to point to what he calls the "rotation" from housing-driven growth to exports and investment, that still has yet to materialize.
Shenfeld believes the weaker Canadian dollar, once the new level at about 90 cents US has had a chance to flow through the system, will help elevate exports and create more jobs in the manufacturing sector. A robust U.S. recovery is also critical, something that is out of the hands of Canadian policy-makers.
As well, he says that given that gross domestic product growth has been stronger in the second half of 2013 than job creation, he believes there might be some catch-up going forward.
But the underlying truth will remain, he says — given the global demand for resources, "the West is best" theme will continue in Canada for some time.
Tuesday, March 4, 2014
2014年二月份房地产市场统计
房地产销售是在公寓市场的带动下攀升
由于独立屋可选房源太少，影响了整个房地产市场的增长.
独立屋需求的增长被其有限的供给所限制，新挂牌量连续第二个月下降，导致本来就已经供给短缺的市场更加吃紧。虽然独立屋市场在拖后腿，但是公寓市场却持续走强。仅前两个月，共管公寓、排屋市场就比去年同期增长了28%。
需求独立屋30万以下的买家几乎没有太多的房源可选。当可选房源少之甚少的情况下，它们在市场上的时间就不会太长。 不过，近54%的新上市公寓房源价格低于30万，为买家提供了更多可选机会。
公寓市场受益于大量新上市的房源，前两个月共管公寓、排屋新挂牌量分别涨17%及4%，合计1,737 单元。预计独立屋、公寓新挂牌量在进入春天市场后会提高不少。新挂牌量的提升将会缓解吃紧的市场，但是价位的增长会因为社区不同、房屋产品不同而有差异。
在短期供给不会明显增加的情况下，二手房市场价格还会继续提升。
二月份独立屋市场基准价为$482,800，比一月份小涨1.28%，比2013年同期涨9.1%。共管公寓、排屋市场基准价分别为$283,400 及 $309,700。共管公寓的价格涨幅是一月份的两倍，比2013年同期涨12.4 %。尽管公寓市场价格涨幅巨大，但是总体市场基准价仍然低于2007年峰值时期！！！
二手房市场持续保持卖方市场，导致价格上涨，公寓市场是最明显的产品区段。不过，大家仍然需要注意到其价位还没有回复到前一次的高点，而独立屋市场2013年就超过了前次的峰值，彻底恢复了。
SOLD downtown one bedroom + den in Victoria Park $227,900
Super 1bedroom + den on the main floor. Over 715sqft of living space. Condo features bright & sunny terrace/patio, in-suite laundry, updated bathroom, large bedroom. The den is currently being used for storage, but easily converts back to an extra room for office or nursery. Close to 17Ave, shopping, cafes, transport, and schools. May be rented out for $1,200/m. This building was NOT affected by the floods! NOTE: This unit is on the ground floor and not below grade.
SOLD two story with good view in back yard in Cougar Ridge SW $599,000
This remarkable 2 story home is situated on a large pie shaped lot at the end of a deep cul-de-sac close to playground and school. The beautifully landscaped and very big (7664 square feet) yard offers a large deck with surrounding raised flowerbed/garden, sunny southwest exposure and no neighbours to the rear for lots of privacy. The main floor provides an open floor plan complete with great room and fireplace with hardwood floors throughout the dining room and kitchen. The dining room features large windows to backyard and 9\' ceilings. Spacious kitchen with granite countertops, stainless appliances and breakfast bar. Upstairs offers a generous bonus room with vaulted ceiling, spacious master bedroom with a large walk in closet, vaulted 4pc ensuite with mountain views from soaker tub. 2 more good sized bedrooms finish the upper level. Hunter Douglas window coverings though out. Basement has plumbing rough in and ready for development. Over sized attached 2 car garage.
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