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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 9 Z& a6 j# k' w
7 c( r3 i5 e3 h( U- |: BCMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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6 @ C$ F* d9 V% u•70%: Feel now is a good time to buy a home in Canada
7 {- |& L" K2 X; s•1/3: Expect to move in the next five years
0 z, F; y0 l' v* F8 a! T( }•73%: Used their own resources (savings, equity, or RRSP) for their down payment. 2 f: `2 P+ W! I/ V1 N, z
•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) : x+ d0 D, Y/ f% t$ `6 c) Q/ N
•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.)
9 ~4 r. O# e$ v6 T3 S7 h/ vWhat matters to homeowners:
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•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker. ( f* Z1 g' @0 X; x/ L3 c
•"Service": The top reason driving customer satisfaction with brokers. ( ?; Z; Y- h" l$ o$ W6 j+ W. \, `( ?5 D
•"A good relationship": The top reason behind customer satisfaction with lenders.
+ _3 k& Z: ? z, C7 MOther interesting market share stats:
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$ \! Q n- T* b' Y9 I8 h* m! p `•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.)
& Z/ X2 R7 a! q•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.) 6 G$ G. x0 o- C: A
•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
7 l8 U; t" b B. H5 H1 C$ iSource: The chart and all data are courtesy of CMHC. |
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