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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 + W4 r1 K- y! a5 o( s! \4 [
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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•70%: Feel now is a good time to buy a home in Canada
3 k% l6 |1 w. l6 S T3 Z3 u•1/3: Expect to move in the next five years $ ?3 ^. z, }: I* e' ]. d! p+ C. ^
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
' h* s: q6 m6 e$ w•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) 4 G8 p6 r' B3 k6 j: d
•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.) 4 F" h; b4 J; N7 e5 B" ]
What matters to homeowners:$ m+ E- {( Q+ n. C( [2 j
( k5 J* r6 B9 C( R% p•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
2 L/ Y" T% t O3 H, H) E3 P+ [•"Service": The top reason driving customer satisfaction with brokers.
; T4 P$ ]' v2 s' e•"A good relationship": The top reason behind customer satisfaction with lenders. 6 x; d* T" t$ v& {" ~& c" G5 } T
Other interesting market share stats:
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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.)
% C& l; i9 u. U" \•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.)
, w# H. j+ i# Y v•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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, o% [5 \ ^1 \1 X/ B6 r% A+ Whttp://www.happymortgages.com/newsarticle.asp?id=2102 M, H8 \( Z/ J! ?8 K3 P0 t
Source: The chart and all data are courtesy of CMHC. |
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