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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 ) j& _$ Z1 {0 X- M8 j
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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•70%: Feel now is a good time to buy a home in Canada
A7 @3 F: {9 c1 s+ m•1/3: Expect to move in the next five years
; }9 Z5 S) i% \% ?) v•73%: Used their own resources (savings, equity, or RRSP) for their down payment. , k6 H/ i. g2 k1 Z8 |5 {+ U
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
* B" ?7 Q+ U2 A6 d1 c•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.) . }5 o1 f. o- h* q1 J& b* [; s' `- ~7 d
What matters to homeowners:, M4 L3 m: o/ d5 J) N
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
: E" S4 f+ K) u& E0 h•"Service": The top reason driving customer satisfaction with brokers.
" G- N" a, a$ ^9 d, y9 G4 m; e•"A good relationship": The top reason behind customer satisfaction with lenders. - f" ]8 \2 a7 e* a4 a: a$ U8 X7 T$ C
Other interesting market share stats:
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0 E8 [7 d3 e1 P T, ^2 k•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.)
) J9 f M+ l0 R1 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.)
# O( A0 @ m" @$ O•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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http://www.happymortgages.com/newsarticle.asp?id=210
% m5 A4 D; X u0 iSource: The chart and all data are courtesy of CMHC. |
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