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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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G3 F0 t! P! tCMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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5 C& x+ E8 s' @" n1 S•70%: Feel now is a good time to buy a home in Canada
. V- e* r! b8 A•1/3: Expect to move in the next five years
d0 { _" N6 f2 X1 Z1 G& ~3 K•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
0 u2 x- C" z* \9 @ o8 C \•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
6 E: ]2 K$ G/ G6 T; V•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.) # R {3 P/ o A7 ~$ l
What matters to homeowners:! w1 G6 Z4 V8 e5 i B/ o8 a" s9 m
2 ]+ Z" r. ]- j: @9 Q+ O•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. $ m( Y2 a1 _2 i8 W- ?. q, ~' v
•"Service": The top reason driving customer satisfaction with brokers.
, N }! a! D* M, {' V' ^2 n•"A good relationship": The top reason behind customer satisfaction with lenders. * {7 o; d; b/ L3 \! {% Q9 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.)
- n0 H$ i8 w$ P4 U/ m# |( ?•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.)
* P9 X# \7 E+ R6 y•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) . A: ], S& |) h9 t
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http://www.happymortgages.com/newsarticle.asp?id=210
' F5 @0 ]6 T0 Z% h3 R; y1 gSource: The chart and all data are courtesy of CMHC. |
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