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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 9 C- }2 a$ M; L9 Q
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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: `$ y; N( B0 }) v9 V•70%: Feel now is a good time to buy a home in Canada + q; G0 ~/ a9 O3 R4 d
•1/3: Expect to move in the next five years 7 {" ?" f( K6 X; s
•73%: Used their own resources (savings, equity, or RRSP) for their down payment. . t+ F Y' L& J3 j) \
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
" F) \2 T9 _! f# B* 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.) " C8 F; U# Q. s# q$ B
What matters to homeowners:* R1 {! K' G& Q
' P+ i0 m7 b: L% O# E) V•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. 2 a. Z4 _ g4 c
•"Service": The top reason driving customer satisfaction with brokers. x! N: [0 J" }1 K4 \3 r
•"A good relationship": The top reason behind customer satisfaction with lenders.
l& h, I3 I. a+ ?$ ~Other interesting market share stats:; n" ^/ C# N5 j0 V& W; @
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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.)
! \+ }0 n8 K9 Q5 L$ W) F•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.)
2 H7 g' u; ^/ E$ `•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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5 \( z; D* Z# b; k& X, Dhttp://www.happymortgages.com/newsarticle.asp?id=210* d+ G! J4 m( m, _3 ]. a* ]0 R: W
Source: The chart and all data are courtesy of CMHC. |
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