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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•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
* n- N2 d1 V5 }2 b7 e•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
  e7 R3 x' E) j4 k7 e( s. y•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
! _1 C7 B5 X! k+ C•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.)
" I9 K5 e# f( j( N+ U# t, Y2 r; C7 Y* G( nWhat matters to homeowners:
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' P: [7 M- P1 g8 m" \•"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.
! S8 @7 J- y/ n$ p1 g) g7 s•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
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- Z* s4 x( \( l! e  w; P$ }•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.)
( z& [. L) H. S. T•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 t9 ^$ V% Q) @& z•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
: P" T2 \: v4 K+ I( b3 ~9 NSource:  The chart and all data are courtesy of CMHC.