ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

+ Y& Y8 }5 @$ R9 Z' o- K: j5 R2 V
CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
6 ~* w1 ~* ]0 f/ ?% g2 I
+ U, U* K* C  O) L1 Z& Y$ W•70%:  Feel now is a good time to buy a home in Canada
1 U* b$ H: A* A$ U( G•1/3:  Expect to move in the next five years
# i7 M+ K$ K+ g; ^2 p( O•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
' h+ K7 B* F, S& C3 b' D& a•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
•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.)
What matters to homeowners:

7 V9 w  ?7 U8 l6 O! B  I9 f•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
, ?4 `; W4 {" z+ J6 F•"Service":  The top reason driving customer satisfaction with brokers.
# y+ n4 x* m  L' c! \•"A good relationship":  The top reason behind customer satisfaction with lenders.
8 z+ D" v; ?5 M) I4 h3 XOther interesting market share stats:
. i: L& g; M  g" i7 _- ~, l
! q6 p9 |6 k3 M& B•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.)
1 u* o; s) ?! F/ K- e! j•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.)
•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

http://www.happymortgages.com/newsarticle.asp?id=210
# }% g& L& |0 ]; |% NSource:  The chart and all data are courtesy of CMHC.