ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

•70%:  Feel now is a good time to buy a home in Canada
( {/ d( z; h; w0 o+ B) l# B/ C•1/3:  Expect to move in the next five years
, ^4 |( V% O1 N; ~! c+ }•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
0 i) H3 ^: J, C+ Y' u+ i3 |•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
3 d/ p. ~; I* l•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 \5 D5 B! Z8 h; A, L  h
7 {' p7 V4 X  U& F8 q/ I7 z( v•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
, }) l3 k( m  D1 EOther interesting market share stats:

•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.)
8 A$ ^2 f( O1 o# x1 }! ?: d$ ~•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.)
! K- H/ e7 B5 E$ f, ?# H
http://www.happymortgages.com/newsarticle.asp?id=210
9 X" F3 |/ \; ?4 PSource:  The chart and all data are courtesy of CMHC.