ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

% g% o0 z$ o  g, P1 @8 M  OCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

1 s: p' Y# ]) p: [. {% Z( E5 |•70%:  Feel now is a good time to buy a home in Canada
) h4 e3 t: O# j& A3 C•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
•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:
, @/ G2 D! k3 X3 E8 a, w% m
8 g* m/ J% ^) B/ N4 e•"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.
7 N) d2 E! A7 _0 g: ?•"A good relationship":  The top reason behind customer satisfaction with lenders.
0 O, X1 D; W; N( f9 ?- b+ oOther 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.)
•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
6 m- ]' U4 o! m% E* ~; T$ `  `Source:  The chart and all data are courtesy of CMHC.