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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 % j/ y3 d A( f* k/ K
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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3 i6 y5 r1 ^3 R•70%: Feel now is a good time to buy a home in Canada
1 A. I- ^) s W" s6 G•1/3: Expect to move in the next five years
?0 Y0 }1 m* h b2 Y$ ?1 I" z9 T, f•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
" \% W0 m) {9 p9 k4 ?' T•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
. |+ m: W# J+ }: H1 D+ M•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.)
' ?: x: h9 x8 I( p. b6 sWhat matters to homeowners:8 r3 S' y s! W" Z
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
, h% \' |) }% O/ x•"Service": The top reason driving customer satisfaction with brokers. 7 [5 x) o# Y1 E
•"A good relationship": The top reason behind customer satisfaction with lenders. $ }2 a6 V; d$ ~8 ?6 z
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.)
* Q) F6 t7 Q3 X% v% {0 u# b5 T, R0 h6 W' [•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.) ; y: ?' B, G: U! \7 v. U, _
•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/ Y$ y; q+ }1 J) ~
Source: The chart and all data are courtesy of CMHC. |
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