ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

% s( |' \3 t3 f2 k1 hCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

. c2 I  L6 x) C/ g! B•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
* o2 T% }) L3 q  [•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
# y! @& q+ A' z. V3 R/ A  t•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
" u0 V% u+ b$ K) p0 i•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.)
9 ~  K0 r$ q, w1 G$ VWhat matters to homeowners:
1 z: R  A3 t0 o% Y  @( ^" M$ D) y2 H# ^
' f6 z" K/ @9 ~; B4 a2 ?4 m0 U•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
# J( \7 \- v3 w•"Service":  The top reason driving customer satisfaction with brokers.
$ a" X; {1 d+ i3 g& H•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
' l: e8 n: S* m) |0 d" I! L8 `
9 b+ ~, X% K5 x* C$ |3 |$ X/ 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.)
•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
Source:  The chart and all data are courtesy of CMHC.