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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 * {; V" H3 ^& e! w2 _6 g
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:7 M$ x3 Y; F' C* y# [- K3 I( _: T1 f7 C
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•70%: Feel now is a good time to buy a home in Canada
7 C, R/ x# v( K1 t5 H$ _•1/3: Expect to move in the next five years
, Z( q' J c, [8 Q b# A•73%: Used their own resources (savings, equity, or RRSP) for their down payment. ' k- n, `" Y) U
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
; ]& z7 d( T1 C( S3 X7 j•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.) * c$ H1 [% {0 H1 ?3 @& U
What matters to homeowners:! o8 Z3 f% }" ?2 z+ l4 I8 C0 T
J& W4 |! z0 k. A2 t: r•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. ) W* f1 g! v$ z% y
•"Service": The top reason driving customer satisfaction with brokers.
1 u* t' k" h/ T8 F& S' T$ c•"A good relationship": The top reason behind customer satisfaction with lenders. ; b& Z+ U8 f( C' D5 Y$ o
Other interesting market share stats:+ ~1 p+ h3 ?" H$ \6 F
; g6 ?. {" T- d% O# Y•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 r# G& R" L7 M# o- i( z5 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.) " `9 M7 b+ }) U3 {; B( h1 L7 U
•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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! J5 r; A6 _& }. C6 \1 R% \" I, Fhttp://www.happymortgages.com/newsarticle.asp?id=210, u; r/ L; j# i2 o* Q
Source: The chart and all data are courtesy of CMHC. |
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