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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
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CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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2 o. x' m* F! M9 w: u& P•70%:  Feel now is a good time to buy a home in Canada 7 i$ @) g% @9 B  I8 q
•1/3:  Expect to move in the next five years
% s. r& I8 A: `•73%:  Used their own resources (savings, equity, or RRSP) for their down payment. $ F: L. ~* M' W8 X$ n2 E
•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
9 U$ I3 e4 T7 E) T•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.) $ w- ^2 [0 W, S3 Y/ e
What matters to homeowners:% G6 j5 S7 Y/ X5 X3 P
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
  w5 b' S0 D- h  G6 x3 X•"Service":  The top reason driving customer satisfaction with brokers.
6 U: n/ I& l+ m+ h! ?# ]8 @•"A good relationship":  The top reason behind customer satisfaction with lenders. 5 H" ~. ^% G1 i1 e
Other interesting market share stats:
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; k3 y0 O' o7 O' [/ S•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.) 7 W4 l, U/ x- u4 P, A5 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.) # L" |' R' D5 }& h: q7 o
•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.) * E: m  Z, R& s
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http://www.happymortgages.com/newsarticle.asp?id=2102 [, Q- j7 I) V6 P
Source:  The chart and all data are courtesy of CMHC.
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