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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& o  O' h& Z# H! l: S# z•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
6 u- p: K1 E  z/ J6 o" C: p•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
/ u7 P/ D5 K0 _, ?$ I" s: R  r•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
/ [! t% q( H. e6 U; a: |/ ^- z" S•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.)
$ c' J  z& E" l5 x; E; T/ CWhat matters to homeowners:

, f( t( T6 k$ r. s8 [1 |•"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.
; n# B$ O; P7 {2 R. ?6 lOther interesting market share stats:

•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.)
! P3 k) E4 C, x4 {+ q, E1 Z/ J•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.)
) x/ k. ~3 J# y0 l- d7 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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http://www.happymortgages.com/newsarticle.asp?id=210
8 e2 ^" q& R5 z& pSource:  The chart and all data are courtesy of CMHC.