This document contains charts analyzing the Toronto housing market from April 2013. It includes charts showing monthly MLS sales, new listings, the sales-to-new listings ratio, average home prices, and trends over time for these metrics from 2010-2013. Additional charts analyze how the sales-to-new listings ratio correlates with annual price changes and the share of average household income needed for mortgage payments, property taxes and utilities on an average priced home in the GTA.
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Andrew is an expert low commission Toronto, Etobicoke and GTA real estate agent with Royal LePage. He enjoys sharing his years of expertise and knowledge; both professionally and ethically. Andrew Doumont has Mississauga, Oakville, Downtown Toronto and Etobicoke listings and can help you buy or sell your home quickly and efficiently. With listings from all spectrums of the market he caters to each one distinctly, and with exceptional results.
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A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
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Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
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Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
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Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
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Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
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2. Explanation: This chart plots monthly MLS® sales for the current year and the previous three years. The
recurring seasonal trend can be examined along with comparisons to previous years for each month.
0
2,000
4,000
6,000
8,000
10,000
12,000
Source: Toronto Real Estate Board
TorontoMLS Sales
Monthly with Three Previous Years for Comparison
2010 2011 2012 2013
3. Explanation: This chart plots monthly MLS® new listings for the current year and the previous three
years. The recurring seasonal trend can be examined along with comparisons to previous years for each
month.
0
5,000
10,000
15,000
20,000
25,000
Source: Toronto Real Estate Board
TorontoMLS New Listings
Monthly with Three Previous Years for Comparison
2010 2011 2012 2013
4. Explanation: This chart plots the monthly MLS® sales-to-new listings ratio (SNLR) for the current year and the previous
three years. The recurring seasonal trend can be examined along with comparisons to previous years for each month.
When the SNLR moves higher, annual average price growth generally increases – often at a rate well above inflation.
When the SNLR moves lower, annual average price growth generally declines and can become negative.
0.00
0.10
0.20
0.30
0.40
0.50
0.60
0.70
0.80
0.90
1.00
1.10
Source: Toronto Real Estate Board
TorontoMLS Sales-to-New Listings Ratio
Monthly with Three Previous Years for Comparison
2010 2011 2012 2013
5. Explanation: This chart plots the monthly MLS® average home price for the current year and the
previous three years. The recurring seasonal trend can be examined along with comparisons to previous
years for each month.
$300,000
$350,000
$400,000
$450,000
$500,000
$550,000
Source: Toronto Real Estate Board
TorontoMLS Average Resale Home Price
Monthly with Three Previous Years for Comparison
2010 2011 2012 2013
6. Explanation: This chart plots monthly MLS® sales since January 1995. The blue line shows actual sales. The brown
line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or other
irregular fluctuations. A substantial change in actual sales must occur to change the direction of the trend.
2,000
4,000
6,000
8,000
10,000
12,000
Source: Toronto Real Estate Board
TorontoMLS Sales
Monthly Time Series with Trend Line
Actual MLS® Sales
Trend (12-Month Moving Average)
7. Explanation: This chart plots monthly MLS® new listings since January 1995. The blue line shows actual new listings.
The brown line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or other
irregular fluctuations. A substantial change in actual new listings must occur to change the direction of the trend.
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
18,000
20,000
22,000
Source: Toronto Real Estate Board
TorontoMLS New Listings
Monthly Time Series with Trend Line
Actual MLS® New Listings
Trend (12-Month Moving Average)
8. Explanation: This chart plots monthly MLS® average price since January 1995. The blue line shows the actual average
price. The brown line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or
other irregular fluctuations. A substantial change in actual average price must occur to change the direction of the
trend.
175,000
225,000
275,000
325,000
375,000
425,000
475,000
525,000
575,000
Source: Toronto Real Estate Board
TorontoMLS Average Price
Monthly Time Series with Trend Line
Actual MLS® Average Price
Trend (12-Month Moving Average)
9. Explanation: This chart plots the monthly sales-to-new listings ratio (blue line) with year-over-year average annual per
cent price change (brown line). When the sales-to-new listings ratio moves higher, average annual per cent change in
home prices generally trends higher. When the sales-to-new listings ratio moves lower, average annual per cent change
in home prices generally trends lower.
-15%
-10%
-5%
0%
5%
10%
15%
20%
25%
0.00
0.20
0.40
0.60
0.80
1.00
1.20
AveragePriceAnnualPerCentChange
(BrownLine)
Sales-to-NewListingsRatio
(BlueLine)
Source: Toronto Real Estate Board
TorontoMLS Sales-to-New Listings Ratio Compared to
Average Annual Per Cent Change in Home Price
Sales-to-New Listings Ratio
Average Price Annual Per Cent Change
10. Explanation: This chart plots the share of average household income that goes toward mortgage principal and interest, property taxes and utilities
for the average priced home in the GTA subject to the following assumptions:
1. Average annual or year-to-date home price as reported by TREB
2. 20 per cent down payment
3. Average 5-year fixed mortgage rate (Statistics Canada); 25-year amortization
4. Average property tax rate reported by/estimated from the Statistics Canada Survey of Household Spending
5. Average utilities cost reported by/estimated from the Statistics Canada Survey of Household Spending and components of the Consumer Price Index
6. Average household income reported by the Census of Canada. Years in between Censuses estimated using interpolation (years up to 2005) or annual growth in average weekly earnings reported by
Statistics Canada in the Labour Force Survey (2006 onward).
25%
30%
35%
40%
45%
50%
55%
Source: Toronto Real Estate Board Dataand Calculation; Statistics Canada
TREB Affordability Indicator
Share ofAverage Household Income Usedfor Mortgage Principaland Interest,
Property Taxesand Utilitieson theAveraged Priced GTA ResaleHome