ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

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! O3 R/ V, \' m7 W3 y9 I; fCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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! m2 A5 b  l, n9 x& ?$ C7 t3 ]; ~•70%:  Feel now is a good time to buy a home in Canada
% _+ `$ y" H6 i5 Q. Q•1/3:  Expect to move in the next five years
' P& z5 v: z. O2 }0 K" l* l9 l•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
•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:

/ o4 [' V' h( h/ W$ R1 ]! A" {•"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.
+ N6 Q; b0 c( ^$ e. _" k8 Z•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
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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.)
( o7 T+ S5 \" m•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.)
•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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: B/ o" L0 V1 o4 Phttp://www.happymortgages.com/newsarticle.asp?id=210
0 w5 R& ~/ x7 `' a5 M& QSource:  The chart and all data are courtesy of CMHC.