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ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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发表于 2009-6-25 08:29 | 显示全部楼层 |阅读模式
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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 ; U" A8 t' v/ X# ?; ]  ~* _

( S' J! L8 m' p2 yCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:) x; O: [! L0 ?) t
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•70%:  Feel now is a good time to buy a home in Canada * i, N+ U8 h6 d, f8 L) Y' n
•1/3:  Expect to move in the next five years ! F+ [3 k$ G$ j7 x2 l
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment. % q! B' j& U0 y/ ?" a* F
•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?) , k: E( L; i7 S$ w1 w, H
•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.)
% P* Z* j" u1 y# A7 I: m' r: \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.
* H# ?+ {# g3 ~% f" |•"Service":  The top reason driving customer satisfaction with brokers.   L: R# |1 _/ u" D3 \
•"A good relationship":  The top reason behind customer satisfaction with lenders. 1 o8 k4 R- b8 k% d' b! n9 @
Other interesting market share stats:
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9 f* j9 V% t2 D$ 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.) 6 N" y" N& f, [6 b4 s
•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.) ' K3 a* M% t# d  k; A9 _# u
•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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& D) D+ j5 s, c  lhttp://www.happymortgages.com/newsarticle.asp?id=210$ g/ J; H7 E* ?
Source:  The chart and all data are courtesy of CMHC.
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