 鲜花( 65)  鸡蛋( 0)
|
本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 # s4 x7 H( }2 `' R# y, C8 A
" _) w! ^% z& H3 N+ x
CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:& X; s8 R" h7 W
( |- _, p, x( K& Q% V* E ]( F4 Y0 T
•70%: Feel now is a good time to buy a home in Canada
9 j O! W3 W( ?- C1 P& T7 o/ \3 P% H•1/3: Expect to move in the next five years
' i3 l' [8 I, [* Q w•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
5 m; D+ |4 i/ |5 u1 s•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
2 T0 a$ U1 s9 m; W5 L: O8 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.)
; C0 F9 M3 ~) J4 @. }* I6 A! gWhat matters to homeowners:
- @8 `' r/ b. _! [9 v5 G
# [5 o4 y" j% X; y•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
& B* s) G g4 P•"Service": The top reason driving customer satisfaction with brokers.
! I$ i" P# c" B6 I7 T1 s. L4 ?5 I•"A good relationship": The top reason behind customer satisfaction with lenders. b" R9 P$ O& y, ^
Other interesting market share stats:
2 N; k# j( D1 v3 g: @4 R" n9 N1 ~# D; d, I, e! I" q; s+ C) d
•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.) 7 S: {. I4 R8 _, x( M: B; B8 E
•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.)
, ~. l6 e$ q& W•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) " A# i( r/ \2 H3 o1 h! y5 }
6 }% X7 c1 n& |! {. w5 Bhttp://www.happymortgages.com/newsarticle.asp?id=210
+ I& J* w0 M# d1 N! ^% oSource: The chart and all data are courtesy of CMHC. |
|