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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 0 }( H9 R/ V3 i* X |- s! L8 v$ {
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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, ] H4 ~. K" N9 s, T5 t. t•70%: Feel now is a good time to buy a home in Canada
+ d4 \% Y P9 S5 ?# A( @•1/3: Expect to move in the next five years ; s e$ O& |& c1 I# j x
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
) i6 H! j6 {5 b7 d) @•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
# J" e: G2 M. b+ A•87%: Believe that 40% is the maximum ratio of monthly gross income that one should spend on debts and housing (It's interesting that so many people know this. This 40% figure is, of course, a general lender guideline for maximum TDS.)
, q5 R3 U, ~! n' z* d; HWhat matters to homeowners:) S' ?: K0 V, Z( a- \
6 Y7 y% h" ?3 {/ v# }0 o•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. ; E$ g) s) a8 [: S+ D) @5 I. u
•"Service": The top reason driving customer satisfaction with brokers. $ `/ U+ R& x4 G0 O% T# D
•"A good relationship": The top reason behind customer satisfaction with lenders. : ~* p* G& l9 Q% h: v
Other interesting market share stats:
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8 ?' S7 W1 w' J3 M2 ^# U! M: n# g•90%: The number of people up for renewal who stayed with their existing lender. That compares to 83% in 2007. (This is absolutely stunning. Either lender retention departments are getting much better or people are getting more complacent. In this competitive market, you've got to shop around-or, better yet, get a professional to do it for you.)
$ H! o: v ~; P( w; o2 E+ Q•25%: The number of mortgages originated by mortgage brokers. CMHC said it was 27% in 2007 (See CMHC's 2007 Mortgage Survey). (The banks seem to be making a comeback for the time being. They're most definitely getting more competitive. In addition, we're seeing a lot of smaller lenders harness the power of the net to drive new business.) , X5 r9 r1 `7 t& E" ~8 u" ?
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.)
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http://www.happymortgages.com/newsarticle.asp?id=210
! i+ Q8 T" P8 D- w0 [Source: The chart and all data are courtesy of CMHC. |
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