 鲜花( 65)  鸡蛋( 0)
|
本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑
f* l1 v% u0 }# L( k3 n, D& D
; ?- H: F8 o X6 }# Z6 QCMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:2 R* N5 e) t. z* r4 ~8 C' j( \4 r
B( m b5 W: v% }- L
•70%: Feel now is a good time to buy a home in Canada 7 N3 p' m5 E4 t5 ?* Q
•1/3: Expect to move in the next five years ( O7 d! z& h& s/ Y
•73%: Used their own resources (savings, equity, or RRSP) for their down payment. + h; Q# Z k) v3 |" N9 w: P
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
7 n! x% _1 ^: {5 p7 g# Q•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.) & Q. D( a/ O& t
What matters to homeowners:3 ] c6 _) M+ {: S t0 {% w) A1 O
3 V1 N: t$ D( h: a. ?
•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. ; B: v& f X$ G2 h1 G# e1 S
•"Service": The top reason driving customer satisfaction with brokers.
1 |/ \. S- B# r$ D( i; @•"A good relationship": The top reason behind customer satisfaction with lenders. 7 ?5 r" a) m! B ~+ d( s5 o
Other interesting market share stats:; n0 k2 ~" i+ K% V2 B) s" u
) B( x, h& x- C2 }6 _•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.) : [& ]' r% I9 g, q8 f( h
•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 M1 w8 H% w6 _
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) $ J4 H1 J1 C: q
# I% G, S0 q p% Bhttp://www.happymortgages.com/newsarticle.asp?id=210* `% S9 F6 E0 k8 e0 f8 i6 x
Source: The chart and all data are courtesy of CMHC. |
|