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ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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发表于 2009-6-25 08:29 | 显示全部楼层 |阅读模式
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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 # H5 w7 g. z' G

7 f- e" j6 L" I$ w+ ACMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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. U9 q: M6 T; V•70%:  Feel now is a good time to buy a home in Canada # A7 X5 n1 Q' Y! d' A7 p$ Y$ X
•1/3:  Expect to move in the next five years
/ O3 P+ {4 K1 b! X! ~7 N: b•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
% L- [% s$ f4 e6 S7 ^- w•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
1 i% `. I3 q7 G2 w•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.)
7 `& r# t2 ^& L$ k; G1 \What matters to homeowners:9 S! p3 ?* `, |# ]

1 _$ ]9 U, ~1 Q+ C5 J•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
4 n. V' b/ T) u1 @: |•"Service":  The top reason driving customer satisfaction with brokers. ; h' \: B% q- A% q0 y& @- ]
•"A good relationship":  The top reason behind customer satisfaction with lenders. " _8 Z. i; q3 `1 D* s  N: f. {1 T/ }
Other interesting market share stats:, `' \+ Y8 a+ t! o6 m; g2 K

2 x; y1 l) R) S$ t4 g9 B•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.) ( Q5 y/ [3 A, w, V7 j
•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.)
1 ~2 y: @. g3 u, |8 G•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.) % W: O' T/ r* X( U8 V, C, S
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http://www.happymortgages.com/newsarticle.asp?id=210) W1 C" z. |# B
Source:  The chart and all data are courtesy of CMHC.
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