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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 & J* V8 x9 n# b0 R. C
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CMHC 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 ; Z1 ?; w" Q1 G- Q# J
•1/3: Expect to move in the next five years
$ y8 W" X6 `' D0 k•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
2 @4 h @! P/ ^% y3 j•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
5 e- Q7 Q% `6 A2 B2 D$ Q; y1 u# t•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.)
' c q6 M) G5 g: KWhat matters to homeowners:' }( _" H; V4 s
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. ( S" ~# {- N: ?- Y
•"Service": The top reason driving customer satisfaction with brokers. 8 W* Y9 p$ U4 c+ Y6 Q
•"A good relationship": The top reason behind customer satisfaction with lenders.
/ `' A0 y) Y: R4 J. ` oOther 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.)
( j1 y; S0 } ]8 |+ I$ _•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.) & P* r% S3 m/ y' J
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) S. }) S9 ~6 y% ?* A
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http://www.happymortgages.com/newsarticle.asp?id=210
6 d4 t: Q* J. U2 cSource: The chart and all data are courtesy of CMHC. |
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