ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

4 x  }1 F  M" a& Q  aCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
4 N3 F4 k/ i$ O0 L
4 k0 V3 L8 v$ [- ~! f•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
6 j# s; x4 v  r! A' Q0 H- s0 Z6 C•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
4 \+ p  F6 @2 g- \•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.)
- k# L8 E& }" p, DWhat matters to homeowners:
/ w- @* M, }; _( P. g0 H
0 z& g1 p. _; j6 y6 N6 }•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
- v/ t; d# ~$ A•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
, L7 X) g0 @/ {3 z, W2 V: u% OOther interesting market share stats:

$ S6 u5 [4 n9 J5 ~; q9 u•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.)
6 l- O& T5 u8 {•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.)
! O# n, }8 C/ q7 R•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
& X! P- u" E' @
http://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.