 鲜花( 65)  鸡蛋( 0)
|
本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑
/ V7 |. A" v% q: w0 Q2 k) f U, }- U+ k" j5 N
CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
% ?3 G( u' ^, T+ J3 Q/ `, e7 t$ i- M& w0 `
•70%: Feel now is a good time to buy a home in Canada
& S- A( ]0 H) G7 V•1/3: Expect to move in the next five years 2 @: S# G, u' Z& P
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
6 F! W$ O7 c% ]. ?" r•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
) E7 G& m! L- L4 n1 O9 H2 A4 b8 u•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.)
r/ A% E" b" u7 b9 tWhat matters to homeowners:9 z) F' l0 J9 K7 R; T6 K
. a3 b% C7 I5 a
•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
, W2 ^2 g4 {9 H% s6 `- Y6 Q1 U6 ]$ g! i•"Service": The top reason driving customer satisfaction with brokers.
. D; l5 l& U. D, C6 e0 V8 E•"A good relationship": The top reason behind customer satisfaction with lenders.
8 P( W! |2 d5 @) b. D! JOther interesting market share stats:8 p! e. u* ~$ ~7 [5 K5 Q
3 U& i+ J/ w5 r) U•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.)
. h2 b) G G! F+ m0 p•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.) 8 R3 S; j `1 E! b
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) P4 i) l( {( x3 G5 Z
& b1 i; f! X* E8 @% \# lhttp://www.happymortgages.com/newsarticle.asp?id=210
+ X$ |& s5 x3 USource: The chart and all data are courtesy of CMHC. |
|