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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
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: E. Y$ L0 Q- e: |+ nCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:" u' k% f: V+ v7 V/ ]  q6 v( }* O

3 J2 i$ [1 }" }) w. @•70%:  Feel now is a good time to buy a home in Canada 5 {* w7 o% w+ d8 q; m& y4 r& V
•1/3:  Expect to move in the next five years + v6 F0 K8 p/ v9 [: \% B8 @
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
$ F" m6 |, z3 T•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?) 3 E! Z6 B( C* `$ m  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.)
: E" N' W6 N/ U# f/ z1 D; FWhat matters to homeowners:. j0 o/ V9 W6 ^
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker. " b, d4 I, F& ^+ B% L4 v* s
•"Service":  The top reason driving customer satisfaction with brokers.
6 i! z* x" ]# k! c% {' g! _$ g& h6 Z•"A good relationship":  The top reason behind customer satisfaction with lenders.
8 t' t7 ^. X% s3 _Other interesting market share stats:7 h$ h- o+ u' x

5 |4 m& L' N4 x* X) _4 d5 [& }•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.) " A5 e- {2 l* B0 y/ j
•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.) 9 L+ U7 Q" x  U: Y2 w7 v
•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.) * G, X/ l8 k. a4 U' T% i" j6 e
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http://www.happymortgages.com/newsarticle.asp?id=210' ]" g2 z& _; V5 a, d4 x
Source:  The chart and all data are courtesy of CMHC.
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