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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:. R/ O# r2 T( c0 K
( o% [, c! T e1 Z B•70%: Feel now is a good time to buy a home in Canada ) k& I5 ^ a4 l. n
•1/3: Expect to move in the next five years & k: A, D1 f( u- t0 T8 h
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
Z; z% p* G3 K/ J0 N3 L•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
4 K% f @4 F; Y7 C- L" g•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.) ' O% O) P; M; [% I' E; \5 v
What matters to homeowners:( Y: X+ r3 O! Y7 o
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
* I7 \6 t/ @3 u% F: t7 q' G: t6 ]•"Service": The top reason driving customer satisfaction with brokers. 9 i& J; j, S0 V( n; ~) ~
•"A good relationship": The top reason behind customer satisfaction with lenders. 1 D0 N0 G9 |# v( O1 m0 q
Other interesting market share stats:5 g" v, e ?4 c+ }
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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.) 7 f$ H/ r* z* |* c: k# G& I
•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.) , j% U7 |/ B7 A, e! _/ u) Z: l
•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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8 A. A1 S9 q2 L1 s/ h7 b$ {http://www.happymortgages.com/newsarticle.asp?id=210
& r' v0 ?! d- m: a8 [- wSource: The chart and all data are courtesy of CMHC. |
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