ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

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4 U& @. c. w" }. B" t+ L& ICMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

& E. L  Q0 V: s# [•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
- p; U) w9 ]% J$ ]2 z+ R•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
! t( L2 ^1 k5 u5 S2 Y•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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•"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.
3 |4 R) C/ z) W7 B•"A good relationship":  The top reason behind customer satisfaction with lenders.
$ l! X5 J* ]* X5 ~1 T3 nOther interesting market share stats:

6 o) m: Q6 }7 P# y6 s•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.)
* n. S2 R2 l0 M3 X3 w( e+ ^' b•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.)
! }7 U/ @2 Y, \•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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! ], B4 w+ `! h" [; b+ b6 r" x3 o; vhttp://www.happymortgages.com/newsarticle.asp?id=210
$ [+ F/ o/ l' m, Q9 w* U$ USource:  The chart and all data are courtesy of CMHC.