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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 ) {5 C. ?+ j. F" G! j
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CMHC recently surveyed 2,507 new mortgage consumers. Here's what they found:
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2 u) |5 a5 m, j [3 D, o3 p, }' m•70%: Feel now is a good time to buy a home in Canada
! z$ |3 y$ H$ m$ @! @•1/3: Expect to move in the next five years ; C% f) j; g5 Y& X- A5 c# ^( f
•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
3 |, u0 i: C% A/ \! Y7 h•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?) + T# r8 k! x2 i0 L3 O! z
•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.) # _$ o. |0 C. O2 v- p8 x
What matters to homeowners:
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7 Q3 b/ D9 b2 |( B9 ^: n8 U- S9 M•"Getting the best rate": This was the number one thing that made customers satisfied with their lender or broker.
' v A. d/ Q5 E$ E% \% {•"Service": The top reason driving customer satisfaction with brokers.
: H1 I% H, y7 g% Y•"A good relationship": The top reason behind customer satisfaction with lenders.
# r0 I7 I9 m) y3 z: h, ^4 jOther interesting market share stats: P3 |4 {( D* L3 O, y- C) I
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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.) 4 \9 n7 {: l8 d& H3 Q: R
•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.) % M* m' }- b: a2 s& w- p
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) % s& c. @3 y7 h) T' @
3 Z; W$ `2 d9 j/ B& W. fhttp://www.happymortgages.com/newsarticle.asp?id=210
+ [& U1 B3 W5 Z6 P% m3 Y" {Source: The chart and all data are courtesy of CMHC. |
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