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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 4 c) Q3 T+ z# Q) _( N
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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3 Z9 y) W+ X6 n! ?4 l•70%: Feel now is a good time to buy a home in Canada
/ B) ~# n. s; N/ b+ ?•1/3: Expect to move in the next five years % m5 q) p! r% G5 d1 D( j
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
- k9 M, B' ^7 B" H•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
/ _$ ?. N( _1 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.) - A" ~4 `: y4 h
What matters to homeowners:6 x6 q$ e3 r( `% |* a- G
: K1 ^8 \6 r( d; y: X•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. ' A4 O8 Q' ^- q$ I' F
•"Service": The top reason driving customer satisfaction with brokers.
" n" i, y3 q1 U4 r$ p•"A good relationship": The top reason behind customer satisfaction with lenders. : Q7 p- V( h/ S) c2 w2 c! W e
Other interesting market share stats:
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) \2 F5 D" S- Z: L* t•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.)
8 c/ J& q- t2 s! a•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.) 5 g9 I$ O0 v) ~
•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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; v/ e, w+ y* y) n2 ihttp://www.happymortgages.com/newsarticle.asp?id=210
, ~8 ?" c; D, |0 ?, t3 `Source: The chart and all data are courtesy of CMHC. |
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