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ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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发表于 2009-6-25 08:29 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑
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CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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1 z$ w$ ?' T" e( Z; c4 T7 h4 I& A•70%:  Feel now is a good time to buy a home in Canada
% ~6 s# x8 u: x0 v•1/3:  Expect to move in the next five years
* X+ G2 Z2 T+ R•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
1 P; D* U6 d, _: I9 B' p•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?) 0 Y% _6 |  E3 d( T' i7 i* ?
•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.) 5 _9 O, V$ O: n" ?4 |+ o
What matters to homeowners:- m! V5 W! S% u
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
/ q/ ^( c7 D, c+ Z1 V7 l•"Service":  The top reason driving customer satisfaction with brokers.
8 h* M) z9 r& A# S$ N+ r! ]•"A good relationship":  The top reason behind customer satisfaction with lenders.   n! Z& J6 I7 k. `" a
Other interesting market share stats:
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•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.) ( p6 p5 W. H! [  b( T( r
•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.) ' D* I' G+ T  a9 O
•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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http://www.happymortgages.com/newsarticle.asp?id=210+ l8 @: c0 l- u; m' `
Source:  The chart and all data are courtesy of CMHC.
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