本帖最后由 Essogas 于 2012-3-7 20:38 编辑
刚下班，看到这个问题，好！不怕你不明白，就怕你不问！ 这个图示是几天前我POST上来的，来源是TREB， 为什么和RBC的数据不一样呢？谁错了？两家都没错，错的是你！ 以下是RBC的报道原文： OTTAWA—Despite ongoing concerns about household debt, home ownership is becoming more affordable in Canada, not less, says new research by the Royal Bank. RBC’s latest report says home affordability actually improved in the final months of 2011 for the second consecutive quarter, thanks to softening house prices and income gains. Owning a home in Canada now takes up as much of pre-tax income as it did a year ago, even though household indebtedness has continued to rise and is now at a record high 153 per cent of disposable income. Ownership even became more affordable in the ultra-expensive Vancouver market, although it remains the dearest place in Canada to own a home. “The improvement in affordability was modest for the most part, but still significant enough to dial back the deterioration that impacted the market in spring last year,” said RBC chief economist Craig Wright in a release issued Wednesday morning. “At this point, housing in Canada is essentially as affordable as it was a year ago, and only slightly less affordable on average than it has been over the long term.” The study shows affordability rates vary widely depending on the market. Vancouver’s rate is down by 4.6 points to 86 per cent, by far the least affordable market in Canada. Next highest is Toronto at 52.2 per cent. Other ratings were Ottawa (40.9), Montreal (40.1) Calgary (36.7) and Edmonton (32.8). RBC defines affordability as the proportion of pre-tax household income needed to service the costs of owning as specific type of home. A ranking of 50 per cent means that a household was spending half its pre-tax income on mortgage, utilities and property taxes. Earlier this week, Finance Minister Jim Flaherty warned Canadians again about taking on too much debt and said he was particularly concerned about the condo market, which has been particularly robust in Vancouver and Toronto. Acknowledging that there had been recent moderation in housing, Flaherty nonetheless said high debt was a worry. “I again encourage Canadians to be careful in the amount of debt they take on in terms of residential mortgages because (interest) rates will go up some day,” he said. Bank of Canada governor Mark Carney has issued similar cautions, while such global institutions as the International Monetary Fund have estimated Canada’s market to be 10 per cent overvalued. TD Bank economist Derek Burleton said it was time for Flaherty to rein in borrowers by reducing the maximum amortization period to 25 years from 30, which he said would tamper housing but not enough to cause damage. Flaherty, who has tightened rules on three occasions since 2006, gave no hints he was preparing to move a fourth time. In a forecast issued Monday, the Canadian Real Estate Association said it expects the average price of a home will decline by 1.1 per cent this year to $359,100, while resales rises a tiny 0.3 per cent. The RBC report shows that affordability has improved in almost all provinces and cities in the last quarter of 2011. Manitoba was the only province to experience a slight deterioration in affordability, while Quebec’s index remained unchanged. 注意这里是“TORONTO”，如果没特别指明“GTA”，“GREATER TORONTO”，或大多地区，相信大多数人都明白是指多伦多市，请注意TREB的图上很清楚注明“GTA RESALE HOME”，请注意TREB公布的二月份GTA 房屋销售数据TORONTO有2686间，而除TORONTO以外的大多其他地区有4346间， 讲到这你该明白TREB的数据指大多地区，RBC的报告是多伦多与其他城市的比较， 据我所知，TREB是个非盈利组织，犯不上编些数据来骗人，劝你大可不必把有限的精力放在和TREB的数据较劲， TREB的数据不可信，莫不成信你的？ 还有，谢谢你把我捧成经纪，经纪就经纪，一不偷，二不抢，三不骂人，四不造谣， 有什么不好呢？ 上次你说我小小身家也配在本坛讨论房产投资，的确我的身家不大（但这也不影响我的讨论），但肯定比你的大多了，贴一张我现在住的房子的地税在上面，猜猜，一年9千多块地税的房子在RICHMOND HILL（大多地区）市值多少？给你个提示，比180万多，比200万少 再贴一下去年的税单，是不是比你挣的多点？我交的税恐怕比你一年挣的都多 最后，实话告诉你和你讨论让我感觉自己很掉价, 参与有你参与的讨论简直是浪费时间（除了谩骂和咆哮，实在没感觉你有还有点别的什么本事） http://attach.51.ca/sns/201203/8/292151_1331168851ACf6.jpg http://attach.51.ca/sns/201203/8/292151_1331168841v746.jpg | 
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发表于 2012-3-7 20:26:33
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