tailieunhanh - HOUSING TRENDS AND AFFORDABILITY

Now that the information items Alice needs are all on her computer, rather than being spread across different web sites, it is easier for her to manage and organize them to suit her needs and preferences. Throughout this scenario, Alice does not need to perform any copy-and-paste opera- tion, or re-type any piece of data. All she has to do is click “Save” on the items she cared about and/or assign keywords to them. She does not have to switch to a different application—all inter- actions are carried out within her web browser which she is already familiar with. Furthermore, since the. | HOUSING TRENDS AND AFFORDABILITY November 2012 RBC Housing Affordability Measures - Canada Ownership costs as of household income Source Statistics Canada Royal LePage RBC Economics Research RBC Housing Affordability Measure for a bungalow - Canada Housing affordability extended directionless trend in Canada in the third quarter of 2012 The overall trend in housing affordability in Canada continued to show a lack of direction in the third quarter of 2012. In the past two years or so there have been alternating periods of improvement and erosion with regards to affordability which on net left the general trend essentially flat on the basis of the national data. True to this pattern housing affordability in the third quarter fully reversed two successive quarters of mild erosion in Canada and returned for the most part to levels that prevailed at the end of 2011 - and were little changed relative to levels at the start of 2010. The improvement reflected modest declines in home prices and mortgage rates as well as further household income gains. At the national level RBC s housing affordability measures fell in all three categories in the third quarter of 2012 a decline represents an improvement in affordability . The detached bungalow benchmark eased by percentage point to two-storey home by percentage points to and condominium apartment by percentage points to . Slightly greater-than-average affordability tensions persist Despite the improvement the latest readings still point to slightly greater-thanaverage affordability pressures in Canada with such imbalances being somewhat more intense in the two-storey home segment. The RBC measures continue to exceed their long-term averages modestly although the national figures are exaggerated by extremely poor affordability in the Vancouver-area market. Excluding Vancouver affordability measures for detached bungalows and condominium apartments in Canada just slightly surpass their long-term .

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