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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 3 M9 Q$ Y/ Q) e  y8 V( C

$ {8 ]( W, s$ i6 S# x! kCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:' y' t. h5 ^% D* {+ D) B  I
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•70%:  Feel now is a good time to buy a home in Canada 7 p6 h; P. D" E& d% |! F. i& c8 l( `/ o
•1/3:  Expect to move in the next five years + V. @. k% w% b( k+ {
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment. 7 V+ _2 p. c" b# k& ]  g6 s
•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?) + W7 F+ }/ B& @. y( 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.) 9 P7 h/ _! k' Q, q
What matters to homeowners:
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker. : [9 `. ^) x; j* N8 a# V$ i% n8 M8 G
•"Service":  The top reason driving customer satisfaction with brokers. 6 \6 F9 z6 @; K( Q8 y' A5 C8 N
•"A good relationship":  The top reason behind customer satisfaction with lenders. 3 L& B9 {+ |+ M2 E% h6 e$ Q
Other interesting market share stats:
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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.) 3 H) g9 ^( L8 K0 s6 E' q% N
•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.)
0 u9 K1 j! I7 M2 T•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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( j% W: a% `2 C# }7 C1 w0 rhttp://www.happymortgages.com/newsarticle.asp?id=210) b7 X3 X4 a' p% q  r7 C7 R
Source:  The chart and all data are courtesy of CMHC.
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