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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 1 r$ A% a q. s! d- V7 s9 W& u
j) G, B- O4 A! }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 7 a) \* Z/ d% z" Y9 I/ f/ ~9 O
•1/3: Expect to move in the next five years
, {2 s7 L) y2 Q, c! G•73%: Used their own resources (savings, equity, or RRSP) for their down payment.
: ?# P9 n- O( @; x W# m•1/3: Have previously requested their credit score from a credit bureau. (Wow. 2/3 have not?)
0 R9 d) N7 m3 v! R* u•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 S! E8 }( g) ^0 H2 xWhat 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. / G" [1 q- z1 {) u
•"Service": The top reason driving customer satisfaction with brokers.
. }( X5 O* V# Y7 c8 K•"A good relationship": The top reason behind customer satisfaction with lenders. " C9 ^# u0 y1 y
Other interesting market share stats:
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6 h+ Y% \/ F* ^5 ], Y/ T•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.) % J: Y" x8 ]6 O2 a
•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.) " C- Y7 J# ^ L
•44%: The number of first-time buyers who got their mortgage through a broker. (This is up sharply from 35% in 2007.) + V1 ~; M5 t) N& V
+ x7 [/ t6 m- d/ ihttp://www.happymortgages.com/newsarticle.asp?id=210) k0 G. M/ l7 Y2 t1 X
Source: The chart and all data are courtesy of CMHC. |
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