ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

* C' O6 C3 J) T4 y" O" a
CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

9 l; s# v4 `1 D! O0 `4 r•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
6 I( v, y* o$ k•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
# h, q) |8 Q  V3 R% t•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:
2 y5 i6 e4 H5 C7 {1 I1 m' j, E# f" w
; [4 g) W2 D1 L8 w6 q" s•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
" M- g( N" U7 I6 E) N
•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.)
) L' }4 i3 q- |/ k" N2 f  @0 q1 g•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
. d4 v1 o+ Q9 Q! W) P" pSource:  The chart and all data are courtesy of CMHC.