ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

/ V7 |. A" v% q: w0 Q2 k
CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
% ?3 G( u' ^, T+ J
•70%:  Feel now is a good time to buy a home in Canada
& S- A( ]0 H) G7 V•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
6 F! W$ O7 c% ]. ?" r•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
) E7 G& m! L- L4 n1 O9 H2 A4 b8 u•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.)
  r/ A% E" b" u7 b9 tWhat matters to homeowners:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
, W2 ^2 g4 {9 H% s6 `- Y6 Q1 U6 ]$ g! i•"Service":  The top reason driving customer satisfaction with brokers.
. D; l5 l& U. D, C6 e0 V8 E•"A good relationship":  The top reason behind customer satisfaction with lenders.
8 P( W! |2 d5 @) b. D! JOther interesting market share stats:

3 U& i+ J/ w5 r) 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.)
. h2 b) G  G! F+ m0 p•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.)

& b1 i; f! X* E8 @% \# lhttp://www.happymortgages.com/newsarticle.asp?id=210
+ X$ |& s5 x3 USource:  The chart and all data are courtesy of CMHC.