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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 - h9 e$ D6 z( R/ H& r: O
# H/ Q# ^7 {# _, H8 l; a0 xCMHC 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 " ~ r7 c% m! p" `) k
•1/3: Expect to move in the next five years
/ o7 C: n$ Z+ Q/ n/ U& X! Q0 e•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
: Q* X: x$ g* x& ?7 L•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
1 |" r- m ?6 x•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.) 2 f+ {( [, w; E/ T- `
What matters to homeowners:
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, D! \, l L( ^1 K' ?•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. $ c. M1 z, G; V5 s
•"Service": The top reason driving customer satisfaction with brokers.
/ T" F. p+ p, b x•"A good relationship": The top reason behind customer satisfaction with lenders. * {4 u5 M2 f" \6 O% z0 [+ P
Other interesting market share stats:+ O: u6 h' D/ E z/ @5 u6 s( _
7 T0 V2 \, j; e1 g, q•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.)
% h8 x- ^( |9 |0 p& u2 w B•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.)
! }( D K! p$ X" a2 J1 P- l•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) : ~7 ]4 X3 N! @2 T9 S2 L. Z5 o
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http://www.happymortgages.com/newsarticle.asp?id=210
7 t! H6 d9 x3 H" L1 ISource: The chart and all data are courtesy of CMHC. |
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