ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

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CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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  `& _$ n, ^4 L•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
! a# s: J9 r& h1 x6 q) G/ b7 q/ d•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
# }: q5 E- V3 N•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.)
What matters to homeowners:
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# V# g2 ]: V, e( L+ |•"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.
5 v1 ~+ ?& J! u5 |% t6 F$ k$ EOther interesting market share stats:
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# K6 B7 u7 q0 E! v•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.)
+ q, x0 a$ G- }  l; f9 B6 l/ x4 @•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.)
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( \8 P- O( X) R4 [# ^http://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.