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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 , |( u! A/ Q2 _. u
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:: I U3 }9 w J8 y. x# c
9 x8 X; t# L) t•70%: Feel now is a good time to buy a home in Canada / h5 f1 e4 u* E8 J. p
•1/3: Expect to move in the next five years # @' ?/ h$ a# C" h2 n" Y
•73%: Used their own resources (savings, equity, or RRSP) for their down payment. 9 @ E, _+ u* [; i4 z3 u' c
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) " q! i* s# n; L: a& Y7 N6 O
•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.) 6 O/ |# F4 s5 r; s+ C: |
What matters to homeowners:
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0 z' C5 E Z6 D# ~. W- w" Q! f1 y: {•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. 5 w" O1 p7 P" D1 q3 z7 A
•"Service": The top reason driving customer satisfaction with brokers. 1 d% z- Q/ s3 ~6 e1 ]! O' P0 l
•"A good relationship": The top reason behind customer satisfaction with lenders.
/ z4 v+ N0 b' X& P& B% qOther interesting market share stats:% D" d( q6 H: ~
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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.)
; n5 J1 W- x0 y5 f j% P2 e•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.)
2 b. ^: Q0 j6 t4 a" H/ |1 Q•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) 0 u7 u b% U" Y
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http://www.happymortgages.com/newsarticle.asp?id=2100 s: t9 e8 e/ F$ t
Source: The chart and all data are courtesy of CMHC. |
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