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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 . Z+ E/ h8 K' G O Q3 u
9 @5 {( G( |2 z ^- f9 A% oCMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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•70%: Feel now is a good time to buy a home in Canada ; \1 y- W+ D. B/ I
•1/3: Expect to move in the next five years
, y; B6 i2 O; ` t& f7 U•73%: Used their own resources (savings, equity, or RRSP) for their down payment. , [6 K7 @, Q( Q
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) . _3 H+ {1 J5 f4 G5 w" [
•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.) . ^) p! s; ~2 M4 f+ N4 j
What matters to homeowners:
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. & V7 T5 P- p0 G6 w
•"Service": The top reason driving customer satisfaction with brokers.
3 N4 k' T4 m' z! H' V- f/ S•"A good relationship": The top reason behind customer satisfaction with lenders. ) ~* L# F0 j0 R/ n. E# d) U
Other interesting market share stats:
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; o, S" l( s6 c% N$ s5 X•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.) & `* ]8 Z2 r% B' B
•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.) # J% N* b6 j" [/ g. O5 T' U/ O
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) # u1 v) g$ {$ |2 F( K
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http://www.happymortgages.com/newsarticle.asp?id=210
: Y+ E6 N' s* PSource: The chart and all data are courtesy of CMHC. |
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