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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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2 @7 O$ B( m \# h. j5 k7 V3 F•70%: Feel now is a good time to buy a home in Canada ]# T- M8 c% c
•1/3: Expect to move in the next five years 9 @1 V$ L# O6 W; j# M1 M/ T* ?; v
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
5 Y0 m9 A+ i1 D5 e1 d8 F# j% C. l0 g. c( _•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
6 B8 Z. p# F6 x0 a( X•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.) 6 y7 Q% T1 U t' T( Y }' m
What matters to homeowners:' X% {1 y; n! [4 \+ {
: a6 o$ `; G3 G9 Z: m4 a( F•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. % x6 t' h. h/ N6 S' j8 L
•"Service": The top reason driving customer satisfaction with brokers. & g: |- o, [0 O( h, f
•"A good relationship": The top reason behind customer satisfaction with lenders.
! [2 O b. O, L1 ^/ U* \3 YOther interesting market share stats:0 `7 d4 ^/ \7 Y+ v8 z% E) F2 d
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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.) : }( d& K0 G t$ [$ `
•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.)
}! m$ {/ H, d/ f3 q! k1 B•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
) D1 Q1 v! k% V, ^2 _/ w4 V* WSource: The chart and all data are courtesy of CMHC. |
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