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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 ( v# P# y5 c) p9 A Z2 _. H
. e7 w4 A. k1 S* c+ Q: OCMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:8 J- g% ^! i+ T* h/ M" y" }( O
$ P! T: E7 W/ G- o3 E! u( M+ d•70%: Feel now is a good time to buy a home in Canada - L4 k6 v. a; r; Y4 u
•1/3: Expect to move in the next five years
' \" V( s9 J+ _9 {. j4 r* D•73%: Used their own resources (savings, equity, or RRSP) for their down payment. ( c$ g" A; K, w6 ~4 v
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
& w: I* ]! g% Z% g) R/ k) |•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.) 3 i) [) w; @6 C- Z* M
What matters to homeowners:4 [% B! N/ O: U- X
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
" s4 o# k }1 D3 z/ S•"Service": The top reason driving customer satisfaction with brokers.
; @8 j. c, ~7 n4 W0 @9 I3 X•"A good relationship": The top reason behind customer satisfaction with lenders. ) Z8 _, v& X; [2 a+ r# Q$ b
Other interesting market share stats:
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1 z. C' u8 f" {, 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.)
( D* W: ]# `) f•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.)
_* k7 E* f6 A0 Q+ I% B; @•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) % h% `/ @, @9 f# z) [6 y+ {+ Z/ W
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http://www.happymortgages.com/newsarticle.asp?id=210' o5 f$ K, p" L6 P$ b" e' _
Source: The chart and all data are courtesy of CMHC. |
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