 鲜花( 65)  鸡蛋( 0)
|
本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 2 r1 `& ~. b+ R) h
( c/ s0 `+ ]* G) U
CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
" T/ ]' l% j5 ?, g- }0 R# h1 R+ Y7 P5 ?: g7 ]
•70%: Feel now is a good time to buy a home in Canada 9 b9 D0 q/ N- Z5 A
•1/3: Expect to move in the next five years 3 H- M: J: _( t. w
•73%: Used their own resources (savings, equity, or RRSP) for their down payment. ; j) A f- C! Y: g, U* ?" ~! D
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
" |$ V" X& s6 t# ^# L$ `: @•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 R, [) g7 J L3 m
What matters to homeowners:' q2 F$ z; T& Z" C3 h" p$ B0 c
, `3 n# V& Q# K$ h, d. x/ h
•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
) V$ k+ ~" t/ A$ D•"Service": The top reason driving customer satisfaction with brokers.
2 v/ o# \) ^7 `& X' n6 p2 h* M•"A good relationship": The top reason behind customer satisfaction with lenders. - ~8 \2 Y9 g: S
Other interesting market share stats:. i. ~, u4 A2 |; j( X
& O9 t2 O3 D$ g2 G3 v
•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.) ! f4 {! m3 o1 e+ g6 c) z# V
•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.) 4 q1 S$ p: K u: Z
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.)
0 g- V7 o* F1 ]4 \( `$ F; R# x/ Y1 e9 `7 m+ j
http://www.happymortgages.com/newsarticle.asp?id=2100 K( a* V2 T7 W& p" f6 |
Source: The chart and all data are courtesy of CMHC. |
|