User: Brian Ripley: CAD Real Estate
Mortgage Pmt % of Income
The worsening of (housing) affordability in Q4 (2016) was the sixth quarterly deterioration in a row, the longest...
Need for Speed - chpc.biz
Apparently Harry Dent has increased his retracement target from a 43% to a 64% drop from the highs of last year's...
BIS housing price index data of Australia, Canada, U.S. Germany...
Chart comparing the BIS housing price index data of Australia, Canada, U.S. Germany and Japan. I have mashed it up...
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ranking of cities with respect to house price to rent and house...
Charts are from the OECD via the IMF showing the recent ranking of cities with respect to house price to rent and...
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Real 1st Mortgage rates are 6%
Mr Cashin remarked that a conventional 1st mortgage rate in the private market would be set at 6%.... If we had a...
OECD Real House Prices
In the meantime, "The OECD warns that a low-growth trap has taken root, as poor growth expectations further depres...
Luxury Spending
Chronically low interest rates since the Pit of Gloom in March 2009 have fueled a huge credit bubble in Canada. St...
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FinTrac Dirty Laundry
Businesses suspected of being involved in ML/TF (Money Laundering and Terrorist Financing):
import/export (e.g. f...
Savings Rate, Retail Sales & Home Ownership
Did we (Canadians) import a Boom? As the mashup of charts demonstrates, Canadians have gone all in on the consumption...
Vancouver Real Estate Unaffordability
Not only does cash (money) 'feel' as if it has no value but realtors and developers also don't know what the value...
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Credit Boom, Credit Bust Price vs Value
The ratios of average housing prices to average incomes are 13.2 in Vancouver and 7.7 in Toronto. These can only b...
A Condo's Physical Life Span
Some experts go so far as to predict that replacing the all-glass outer layers of buildings may become necessary a...
S&P Case Shiller vs Vancouver Housing
The release of the latest S&P case Shiller Home price index caught my eye because of the 34-36% increase in the U....
$35 Dollar Oil Stress Test
Imagine $35 Oil for 5yrs
A US-Style Canadian housing correction possibility is a potential that CMHC's CEO Evan S...
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San Francisco & Vancouver Housing
Residential Mortgage Debt as a % of GDP (Sep 2014)
Australia (AUS) Debt/GDP 81%
Canada (CAD) Debt/GDP 77%
U....
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Real Estate and the Yield Curve
Fundamentals today are getting repriced in Real Estate and the Yield Curve (and other asset classes). Appraisers w...
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Canadian Home Ownership & Balance of Trade
Still Running on Fumes
We are leveraging the lowest priced credit for the most expensive non-productive real esta...
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CPI Inflation US+Canada 2008-2015
The USD/CAD ratio has turned up this past week. A strong U.S. Dollar will mute U.S. inflation since domiciled U.S....
Real Estate Stocks April 24, 2015
Rick Ackerman looks at shorting U.S. home builders, his notes and a chart are below. I added more real estate sect...
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Vikram Mansharamani, BOOMBUSTOLOGY
Why Vikram Mansharamani is shorting Canada "BUBBLES ARE NOT RANDOM" - 9 minute BNN video interview plus my text bu...
Unsold Toronto Condos & Rental Glut, Feb 24, 2015
Toronto Condos pile up on a 21 year high.
"10,368 condos were completed in January 2015 in Toronto
a record 21 y...
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Bank of Canada Housing Overvaluation Estimate
Arthur Schlesinger's cyclical theory defined cycles to be “self-generating and autonomous”. 2 more charts and...
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Vancouver is the most unaffordable city in Canada requiring a buyer to pay 10.6 times annual income. Vancouver ran...
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Top 25 Proved Natural Gas Reserves
Beijing is already massively investing in new roads and bridges along
the Eurasian land bridge – another denominat...
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Canadian Real Estate, the Black Swan and the Russian Bear
The Slope upload app does not want to grab the chart of USD:CAD & Oil Index. Click to view the big mov...
Swan and Bear - chpc.biz
Canadian Real Estate, the Black Swan and the Russian Bear
The Slope upload app does not want to grab the chart...
Real Price of Vancouver, Calgary & Toronto SFDs
NEW CHART shows the average price comparison of Vancouver, Toronto & Calgary SFDs denominated in CAD and USD along...
BDI 1985-2013
The Slope upload app is not loading all the charts I wanted to archive. It seems to be hit & miss, sometimes the a...
Estimated Home Ownership in Canada 1971-2013
Canadian Home Ownership is high and was:
60% in 1971
63% in 1991
68% in 2006
69% in 2011
70% in 2013
More...
Aggregate Loan to Value Ratios 1910-2010
When prices stop rising, the boom collapses and because there has been no increase in business investment other th...
CMHC Mortgage Creation to 2016
Post WW2 and 1970's inflation, Canada has been late to the party and the ongoing Canadian mortgage creation boom r...
Percent of total bank lending 1928-2007
U.S. mortgage loans in banks’ total lending portfolios have doubled from about 30% in 1900 to about 60% today....
Vancouver's Olympic Village price reductions from 2011-2014 are...
The rush to do deals in Vancouver prior to hosting the 2010 Winter Olympics led to "an assessor being overly aggressi...
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What could disrupt the boom? The disrupters are innovation (Elon Musk etal), a rising supply of energy (U.S. fracking...
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It’s always a time to rent or buy unless you're Hikikomori. I mashed up the chart above from Mercer via ZeroHedg...
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This is the chart I wanted to post. (I had to reduce my browser size to 75% to get the Slope of Hope chart stacker...
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When I saw this chart of Canadian Realtor Population growth which in the last 40 years has spiked by 336% or six t...
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Demand is Local, Supply is Global. As the USD strengthens, the U.S. consumer inflation rate continues to drift dow...
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Oil Can Economics
Canadian Oil Production UP 12% Y/Y at Dec 2013 - 3,822,000 Barrels per day
U.S. Production (2...
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10th An...
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As in the Netherlands, almost all Canadian mortgages are “full recourse” loans, meaning that the borrower remains...
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Canadian National Homeownership was 68.4% in 2006 and 69% in 2011 spurred on by a high-rise condominium boom; 30.9...
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I rebuilt my 6 biggest Canadian Metros Housing Chart and added the average condo price for Vancouver, Calgary & To...
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Look at a long term chart of the comparison between Canadian and U.S. Treasury 10 year yields and they move in the...
Condo Game
"Downtown condos are "more a commodities play than a housing market". Charles "King Cobra" Hanes, condo broker. Al...
Good Time to Rent
Timing is Everything. Now that we are on the seasonal down ramp into the 2014 spring bottom for sales and listings...
Vancouver Bull Horse Mountain
Notice on the chart that during the labelled periods ZIRP grande and ZIRP petite, all three Vancouver residential...
Vancouver Real Estate to Sept 2013
“We really can't forecast all that well. We pretend that we can but we can't. And markets do really weird things...
Stocks & Housing
We have lot's of "Eiffel Tower" price patterns to refer to that have a fully formed right side to the tower; Japan...
US & Canadian Real Estate
This 4 pack looks at the difference between the U.S. and Canadian real estate markets with respect to real values...
Construction as % of GDP
According to a report from BMO Capital Markets, residential and non-residential construction accounts for 13.4% of...
CPI 1814-2013
U.S. Dollar & Wage Trend - Inflationists are still waiting for a big surge in prices and while they might be determin...
Housing vs Rents & Income
Canada Overvalued - Inflationists need a Rally - The Economist ranks Canada's housing as the second most overvalue...
Construction Share of GDP
Canada is a Slave to Housing. This chart is from the August 2013 IMF study "The Driving Force behind the Boom and...
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Not only in the U.S. but cash buyers of real estate investment stocks and trusts (REITs) in Canada, Europe and Asi...
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Chart showing the comparison of housing as a percentage of GDP between Canada and the USA. Canada is overdependent...
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"Three-quarters of all Canadian mortgages are insured by the federal government, up from only 30 per cent in 1988....
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Low interest rates have not allowed most people to qualify for uninsured "conventional" mortgages at the best rate...
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Vancouver is in the record book for what is thought to be the highest price paid for a single condo in Canada via...
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Commodity markets began rolling over in the spring of 2011 and as you can see by the CMHC Housing Index inset, Can...
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Stage IV the Blow Off of Canadian Real Estate. More at www.chpc.biz
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The tables presented here are from The Wealth Report created by Knight Frank with opinions gleaned from High Net W...
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Let's check in with Stats Can and see how the inflation-deflation picture is shaping up (red arrows since 2008). M...
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According to The Economist Canadian housing is 78% over valued; while Japan is 37% under valued. Notice the U.S. h...
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Probable 30% Drop Coming in Price to Income Ratio of Canadian Housing. Plunge-O-Meter and more at www.chpc.biz