ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

7 f- e" j6 L" I$ w+ ACMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
, {0 m- X' Q- H+ a% r4 _$ s
. U9 q: M6 T; V•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
/ O3 P+ {4 K1 b! X! ~7 N: b•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
% L- [% s$ f4 e6 S7 ^- w•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
1 i% `. I3 q7 G2 w•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.)
7 `& r# t2 ^& L$ k; G1 \What matters to homeowners:

1 _$ ]9 U, ~1 Q+ C5 J•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
4 n. V' b/ T) u1 @: |•"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:

2 x; y1 l) R) S$ t4 g9 B•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.)
1 ~2 y: @. g3 u, |8 G•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.