Simon  Kim (๊น€ ์‹œ๋ชฉ)

Simon Kim (๊น€ ์‹œ๋ชฉ)

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Simon Kim (๊น€ ์‹œ๋ชฉ)'s blog

2019๋…„ ์บ๋‚˜๋‹ค ์ฃผํƒ์‹œ์žฅ ์ „๋ง (Canadian housing market in 2019)

(Global News ๊ธฐ์‚ฌ ์š”์•ฝ ์ „์žฌ)

์ฃผํƒ๊ฐ€๊ฒฉ์„ ์˜ˆ์ธกํ•˜๋Š” ๊ฒƒ์€ ๋งค์šฐ ์–ด๋ ค์šด๋ฐ, ์บ๋‚˜๋‹ค๋ถ€๋™์‚ฐํ˜‘ํšŒ(CREA)๋Š” 2019๋…„์— ์ธํ”Œ๋ ˆ ์ˆ˜์ค€(2.7%)์˜ ๊ฐ€๊ฒฉ ์ƒ์Šน๊ณผ ์†Œํญ(2.1%)์˜ ๊ฑฐ๋ž˜์ฆ๊ฐ€๋ฅผ ์˜ˆ์ธกํ•˜๊ณ  ์žˆ๋‹ค.

RBC ๋ฐœํ‘œ์— ๋”ฐ๋ฅด๋ฉด ์ฃผํƒ๊ตฌ์ž…์— ํ•„์š”ํ•œ ๊ฐ€๊ตฌ์†Œ๋“์ง€์ˆ˜ ๋†’์•„์ ธ(getting less affordable to own a home)

RBC (Royal Bank of Canada) ๊ฒฝ์ œ์—ฐ๊ตฌ์†Œ๊ฐ€ ์ตœ๊ทผ ๋ฐœํ‘œํ•œ Housing Trends and Affordability๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์บ๋‚˜๋‹ค ๊ฐ€๊ตฌ์˜ ํ‰๊ท  ์ฃผํƒ ์†Œ์œ ๋น„์šฉ์ด ๊ฐ€๊ณ„์†Œ๋“์˜ 53.9% (ํ† ๋ก ํ†  75.3%, ๋ฐด์ฟ ๋ฒ„ 86.9%)๋กœ 1990๋…„ ์ดํ›„ ๊ฐ€์žฅ ๋†’์€ ์ˆ˜์น˜์ž„. ๊ณ„์† ์˜ฌ๋ผ๊ฐ€๋Š” ์ด์ž์œจ์ด ๊ฐ€์žฅ ํฐ ์š”์ธ์ด๋ฉฐ, ํ† ๋ก ํ† ์™€ ๋ฐด์ฟ ๋ฒ„๋Š” ์ง€๋‚˜์น˜๊ฒŒ ๋†’์€ ํŽธ์œผ๋กœ, ๋‚ด๋…„์— ์ฃผํƒ๊ฐ€๊ฒฉ์ด ์•ˆ์ •๋˜๋ฉด ๊ฐœ์„ ์˜ ์—ฌ์ง€๋Š” ์žˆ์œผ๋‚˜, ์†Œํญ ๊ธˆ๋ฆฌ์ธ์ƒ ์ „๋ง์œผ๋กœ  ๋น„์œจ์ด ํฌ๊ฒŒ ๊ฐœ์„ ๋˜๊ธฐ๋Š” ์–ด๋ ค์›€.

๋‚ฎ์•„์ง„ ์ธํ”Œ๋ ˆ์œจ๋กœ 1์›” ๊ธˆ๋ฆฌ์ธ์ƒ ๋ช…๋ถ„ ์—†์–ด(Latest inflation readings do not justify January hike)

์บ๋‚˜๋‹ค ํ†ต๊ณ„์ฒญ์˜ ์ตœ๊ทผ ๋ฐœํ‘œ์— ๋”ฐ๋ฅด๋ฉด 11์›”์ค‘ ์ธํ”Œ๋ ˆ์œจ์€ ์œ ๊ฐ€ํ•˜๋ฝ ๋“ฑ์˜ ์˜ํ–ฅ์œผ๋กœ 1.7%๋กœ 10์›”์˜ 2.4% ๋Œ€๋น„ ๋Œ€ํญ ๋‚ฎ์•„์กŒ๋Š”๋ฐ, ์œ ๊ฐ€๋ฅผ ๊ฐ์•ˆํ•˜์ง€ ์•Š์•„๋„ 1.9%๋กœ ์บ๋‚˜๋‹ค ์ค‘์•™์€ํ–‰์ด 1์›”์ค‘ ๊ธˆ๋ฆฌ๋ฅผ ์ธ์ƒํ•  ์ˆ˜ ์žˆ๋Š” ๋ช…๋ถ„์ด ์•ฝํ™”๋˜์—ˆ์Œ.

Latest inflation readings do not justify January hike

November’s inflation numbers are further proof that there’s no need for the Bank of Canada to hike interest rates at the beginning of next year, according to market observers.

2019๋…„์€ ๋†’์€ ๊ฐ€๊ณ„ ๋ถ€์ฑ„, ์ด์ž์œจ ์ธ์ƒ์ด ๊ฒฝ๊ธฐ ์œ„์ถ• ์š”์ธ(High debt levels, rising interest rates among challenges for 2019)

Conference Board of Canada์˜ ๋ฐœํ‘œ์— ๋”ฐ๋ฅด๋ฉด 2019๋…„ ์บ๋‚˜๋‹ค ๊ฒฝ์ œ๋Š” ๊ณ ์šฉ์ƒํƒœ ์ทจ์•ฝ, ์ฃผํƒ๊ฒฝ๊ธฐ ๋ƒ‰๊ฐ, ๋†’์€ ์ˆ˜์ค€์˜ ๊ฐ€๊ณ„๋ถ€์ฑ„, ์ด์ž์œจ ์ƒ์Šน ๋“ฑ์œผ๋กœ ์†Œ๋น„๊ฐ€ ์œ„์ถ•๋˜๊ณ , ์ •๋ถ€์ง€์ถœ ๊ฐ์†Œ, ์›์œ ์‚ฌ์—…์— ํˆฌ์ž์ œ์•ฝ ๋“ฑ์œผ๋กœ ์˜ฌํ•ด 2.1% GDP์„ฑ์žฅ์—์„œ ๋‚ด๋…„์€ 1.9%๋กœ ๋‹ค์†Œ ์œ„์ถ•๋  ๊ฒƒ์œผ๋กœ ์ „๋ง.

GTA New Home Market Report (Oct. 2018)

Attached is Altus Group's GTA New Home Market Report as of October 2018.

2019๋…„ ํ† ๋ก ํ†  ๋ ŒํŠธ 11% ์˜ค๋ฅผ ์ˆ˜๋„ (Cautious buyers will push Toronto rents up 11% in 2019)

Rentals.ca์—์„œ ๋ฐœํ‘œํ•œ National Rent Report์— ์˜ํ•˜๋ฉด ๋ ŒํŠธ ์ˆ˜์š”์ฆ๊ฐ€์™€ ์ฃผํƒ๊ฐ€๊ฒฉ ์ƒ์Šน, ์–ด๋ ค์›Œ์ง„ ๋ชจ๊ธฐ์ง€ ๋Œ€์ถœ์˜ ์˜ํ–ฅ์œผ๋กœ 2019๋…„ ์บ๋‚˜๋‹ค ํ‰๊ท  ๋ ŒํŠธ ์ƒ์Šน์€ 6%๋กœ ์˜ˆ์ƒํ•˜๋ฉฐ, ํ† ๋ก ํ† ๋Š” 11%, ์˜คํƒ€์™€ 9%, ๋ฐด์ฟ ๋ฒ„ 7% ์ƒ์Šนํ•  ๊ฒƒ์œผ๋กœ ์˜ˆ์ƒ. ์ƒˆ๋กœ ๋„์ž…ํ•œ ์ŠคํŠธ๋ ˆ์Šค ํ…Œ์ŠคํŠธ์˜ ์˜ํ–ฅ์œผ๋กœ ๋Œ€์ถœ์„ ๋ฐ›๊ธฐ ์–ด๋ ค์›Œ์ง„ ์ Š์€ ๋ถ€๋ถ€๋“ค์ด ์ฃผํƒ๊ตฌ์ž…์„ ๋ฏธ๋ฃจ๊ณ  ๋ ŒํŠธ๋ฅผ ์„ ํ˜ธํ•˜๋‹ค ๋ณด๋‹ˆ, ํ† ๋ก ํ† ์˜ ๋ฐฉ2๊ฐœ ์›”์„ธ๊ฐ€ $2,600 ์ˆ˜์ค€์ด ๋˜์—ˆ์Œ.

2019๋…„์—๋„ ์ƒ์—…์šฉ ๋ถ€๋™์‚ฐ ์‹œ์žฅ์€ ํ˜ธ์กฐ ์ „๋ง(Commercial market stronger 2019)

๋ถ€๋™์‚ฐ ๊ด€๋ฆฌ ๋ฐ ์ž๋ฌธํšŒ์‚ฌ์ธ Morgard์‚ฌ์˜ 2019๋…„ ๊ฒฝ์ œ ๋ฐ ๋ถ€๋™์‚ฐ ์ „๋ง๋ณด๊ณ ์„œ์— ๋”ฐ๋ฅด๋ฉด, ์ง€๋‚œ 18๊ฐœ์›”๋™์•ˆ ํˆฌ์ž์ถ”์„ธ, ์บ๋‚˜๋‹ค ๊ฒฝ๊ธฐ ํ˜ธ์กฐ, ๊ณ ์šฉ์—ฌ๊ฑด ๊ฐœ์„  ๋“ฑ์„ ๊ฐ์•ˆํ•˜๋ฉด 2019๋…„ ๋ฐ ํ–ฅํ›„ ์ˆ˜๋…„๊ฐ„์€ ์ƒ์—…์šฉ ๋ถ€๋™์‚ฐ ์‹œ์žฅ์ด ํ˜ธ์กฐ์ผ ๊ฒƒ์œผ๋กœ ์˜ˆ์ƒ๋˜๊ณ , ์‚ฌ๋ฌด์‹ค ๋ฐ ์‚ฐ์—…์šฉ ์ˆ˜์š”๋Š” ๊ณต๊ธ‰๋ณด๋‹ค ๋งŽ์„ ๊ฒƒ์œผ๋กœ ์ „๋ง.

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