ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

4 S) K% J: s3 U6 c" Z6 j
, P5 P1 i3 a. a6 u' V4 ~CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
+ c7 k( k$ n! t  o: D•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
+ x- \9 R: q% E: X•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:
3 w8 l% p$ ~* @  `" z- g/ Q
•"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.
/ T% j- c3 T# _- ^1 |  @2 h•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:

( {! G& N' T9 ~! Z4 f•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.)
' Y  t/ p" q8 k* f& {  @3 t) b•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
3 A* W( G$ D; {1 u1 U
, H2 a2 m+ Z! W8 ^% whttp://www.happymortgages.com/newsarticle.asp?id=210
/ V+ k$ t8 z$ C4 r( p1 {Source:  The chart and all data are courtesy of CMHC.