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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 ' F. l! q# q x
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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" p6 i' |0 _) h! f$ Z8 G•70%: Feel now is a good time to buy a home in Canada 5 _: }# a0 r. ^; X
•1/3: Expect to move in the next five years
3 V% h- h. a2 x, {+ }$ O* |•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
% p% l3 H' [ x•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) ' j- |. g6 T9 c$ M/ p& O- Z, E
•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.)
s. B9 G* a; f) F! _$ f" qWhat 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. 7 S1 ~ M" Z$ X/ O) J/ R6 @
•"Service": The top reason driving customer satisfaction with brokers.
( L* L1 @5 {/ j, h% f•"A good relationship": The top reason behind customer satisfaction with lenders. * h0 ?9 o( H" `* I. `4 D
Other interesting market share stats:8 t; i9 B R9 _6 L
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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.)
: T, L& [5 c1 @+ W- c•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 H# s: g O3 \' u1 w+ P8 Z
•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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& _+ Z* o) T. dhttp://www.happymortgages.com/newsarticle.asp?id=210
% ?% Z2 N( q5 x/ Y6 A) c$ x2 SSource: The chart and all data are courtesy of CMHC. |
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