ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

' o9 E+ w, M: Z( L$ R2 a+ u( u& F" t
CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
7 P( C- w, P) [7 R1 g6 k! U0 W* t; z' _
•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
' T6 g. ]. S. s' l•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
4 F( ?0 P4 ~/ B; c7 N- z7 G2 a•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.)
5 h) P* h5 m( X& f* SWhat matters to homeowners:
, [  ]$ l! }3 P1 c4 B  w
•"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:

! S+ ?% o, A1 N: e•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.)
# ^: P  T- z: q5 i' r•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
Source:  The chart and all data are courtesy of CMHC.