 鲜花( 65)  鸡蛋( 0)
|
本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 3 x' z7 e! i( K9 G4 r3 ~' x% h
" n# w# a9 I- q6 h- H2 y
CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
6 Q) T1 D H7 d: o8 z2 o# T+ ^: t7 ~/ I5 |1 r5 D
•70%: Feel now is a good time to buy a home in Canada 9 v7 u4 s/ H. ^
•1/3: Expect to move in the next five years 5 q# O4 z! s, N9 X- b8 H
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
: F4 Y3 {5 f8 j, d7 Q•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
5 v# A$ V& {( s•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.)
# \. j" E3 m5 jWhat matters to homeowners:
1 u2 d! D% I0 S' M% X* }: L5 }
' W6 P; X1 }" b" |1 b•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. , y2 M& U) K* O" I1 m# v. o
•"Service": The top reason driving customer satisfaction with brokers.
3 t+ I/ \ k6 e! e•"A good relationship": The top reason behind customer satisfaction with lenders.
; Y8 R4 d3 s, `, K2 |9 [Other interesting market share stats:2 j2 e7 i# t# E9 k U1 J5 n) g
! p% e9 e# W6 s0 {
•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.)
0 K0 f$ M, \* N7 }) x. D•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.) " H% B5 f: t0 w9 e
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.)
/ g, r+ j/ y% z, [7 z$ T" b; M; x: H2 Y6 f- j' J
http://www.happymortgages.com/newsarticle.asp?id=210
/ B, ~7 v$ N& [% H3 G$ ^Source: The chart and all data are courtesy of CMHC. |
|