ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

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5 T  ~: h) g9 w' q) k7 ?' `) W$ ?$ ICMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
- i( s# w; i  d0 r# a7 o1 P3 @1 z•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
3 H0 I8 L! c% U5 B•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
; y/ T+ N# \- C, G3 V) S  [•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:
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7 N  I8 @' M/ h- s; m; N•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
8 h$ T. F8 n5 Y7 s& w% }7 A0 B•"Service":  The top reason driving customer satisfaction with brokers.
  }( J5 W0 N/ Q4 b; G•"A good relationship":  The top reason behind customer satisfaction with lenders.
5 Y( b: }$ F) ~, d. \Other interesting market share stats:
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•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.)
( X, O" o& K$ Y+ k•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.)
- u, H; c% F- a( g; m) v( d1 _# A•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

* B& ]/ ^9 W2 L8 Rhttp://www.happymortgages.com/newsarticle.asp?id=210
% F& M) `7 v5 O  K1 `; `2 k, y% LSource:  The chart and all data are courtesy of CMHC.