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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
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CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:3 X" F, @/ C4 O" [1 |; [+ a

- J5 T0 t5 D: }& N* V% f•70%:  Feel now is a good time to buy a home in Canada 8 ?3 i8 s$ f: Q6 q1 _# s1 k8 ]
•1/3:  Expect to move in the next five years   a2 l& Q' Q: X& f9 G9 u
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment. / b, X- Y0 {* D0 b, q) K7 K& h  }
•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
7 S, Z  N# ]) H8 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.) + K6 S9 I* f1 q. O) n$ Q! I
What matters to homeowners:0 n3 M  Z% R2 ~  I, L+ ?5 z
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker. 4 @) y" b' R( Q  H0 v, [  x3 ^
•"Service":  The top reason driving customer satisfaction with brokers. " _5 R) `7 s8 n
•"A good relationship":  The top reason behind customer satisfaction with lenders.
+ J6 V& r, j1 {9 }7 S; o' uOther interesting market share stats:, @( P; N3 v4 B' [7 s
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•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.) 4 I1 O1 B) `0 k( l) z6 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.)
3 Z8 e) Z& P; z•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
4 T! g- U4 d: [' U) k2 J& ~  D1 f1 qSource:  The chart and all data are courtesy of CMHC.
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