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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:
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# x7 g2 Z- ~+ ?+ u+ m6 y3 O•70%: Feel now is a good time to buy a home in Canada
! p0 |3 B& N( E% Z4 I. G' ?•1/3: Expect to move in the next five years
4 `' \ C/ J9 R; Z% K, U4 W* L/ Z•73%: Used their own resources (savings, equity, or RRSP) for their down payment. 9 |" W6 W/ D5 r- o1 j+ [
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) $ O: J; D% F% b8 M
•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 T* s8 k4 I6 } V0 W0 \+ k" yWhat matters to homeowners:
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' ^1 t4 W5 s" E' b( b7 Q' H) ^•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. ! @9 n1 A9 l2 y
•"Service": The top reason driving customer satisfaction with brokers.
* o3 M2 ~0 R3 v, M: F% \•"A good relationship": The top reason behind customer satisfaction with lenders. 5 P. p/ C' z4 l
Other interesting market share stats:0 j. e/ V( M$ D2 M, Y
( B. x: C3 ~; y& x/ |" E+ |•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.) : a/ N; r& l* {
•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.) . |, Q% ?" P# G% r
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) ( Q7 }, C5 C( ^0 [' f
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http://www.happymortgages.com/newsarticle.asp?id=210( N/ ^; [1 i" s9 r8 I4 w2 S
Source: The chart and all data are courtesy of CMHC. |
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