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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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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:7 R4 |* E- z# }- d i
t$ O* |/ s# M9 @+ W! O•70%: Feel now is a good time to buy a home in Canada
. }8 Z- l0 ^2 ~5 S•1/3: Expect to move in the next five years 8 @" k* r2 D5 P0 |% {$ S. n) j
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
2 }$ Q* @7 b3 N. S•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
9 \5 x/ q1 d5 {( F# H! I% _0 x•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.)
( J- x+ R% F0 X. ^What matters to homeowners:& I- r- b# i6 t5 h
; f! p/ d' T5 c. n•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. 8 D. n4 k# N* G# A( ?
•"Service": The top reason driving customer satisfaction with brokers.
. ?5 H8 X c, }6 T5 W8 Y% _: h•"A good relationship": The top reason behind customer satisfaction with lenders.
/ ]' C) \, r0 c' v ?" NOther interesting market share stats:, |* s6 n$ z: ^7 {! ]1 G9 U
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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.) 8 V! m9 v0 G0 @; i0 T1 C3 Q
•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.) ! H' @6 A( z3 a' i7 W- ?) M
•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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5 y% I. x8 P7 ?2 b& [9 phttp://www.happymortgages.com/newsarticle.asp?id=210
' c; ?8 g7 J5 H5 c8 l3 j1 \Source: The chart and all data are courtesy of CMHC. |
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