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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑
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3 m4 i& Y- y9 A% I, T2 KCMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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v5 k' l5 `/ t/ n8 L3 r•70%: Feel now is a good time to buy a home in Canada - w7 D" m( G& ^* D7 y! ^* y
•1/3: Expect to move in the next five years
9 d8 k4 z, y) U b8 z! v•73%: Used their own resources (savings, equity, or RRSP) for their down payment. ) p- N* ?7 M" i
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) / c: \% A3 N5 {$ b
•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.) & Y) O7 t$ r A. ?3 C3 O6 M V
What matters to homeowners:6 i9 ^' V& h: ?. \2 A% b
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
W7 P' L7 z1 l% l' ?$ l1 V•"Service": The top reason driving customer satisfaction with brokers.
; @4 g4 X3 k! c, Y•"A good relationship": The top reason behind customer satisfaction with lenders.
1 O1 L1 \7 l; Z v0 o9 x! v0 C3 IOther interesting market share stats: u( ?, S/ i/ X0 m" N% Q! F: A/ Q
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•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.)
; I1 n# Z$ S( o•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.)
! r% u5 c; v# L/ ~5 b" s& h1 b! P! W•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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; L. T/ x) ]4 E+ P: ?# k0 Ehttp://www.happymortgages.com/newsarticle.asp?id=2101 w6 A/ i3 B, g5 R/ _5 p% }
Source: The chart and all data are courtesy of CMHC. |
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