ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

% C7 J) t5 n+ [2 S5 fCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

( @# j. t+ S! h. m4 S•70%:  Feel now is a good time to buy a home in Canada
; a; j- k& h# K$ T1 \•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.)
0 {0 c* d+ _. @6 iWhat matters to homeowners:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
' x( z# W$ y2 ]8 B. Z( u# G•"Service":  The top reason driving customer satisfaction with brokers.
, j0 ~( I1 b& ]5 R1 h•"A good relationship":  The top reason behind customer satisfaction with lenders.
6 H: @3 l- F0 S* v5 k3 O8 HOther interesting market share stats:
* Y0 q, ?2 @" |" S
0 x! k# a" W1 ]: q$ j•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.)
: o" B1 Y9 I  t" ?+ T+ `0 C8 Y8 Q•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.)
! d* C' O5 E" A
http://www.happymortgages.com/newsarticle.asp?id=210
; j0 q4 l( G( U6 M6 WSource:  The chart and all data are courtesy of CMHC.