ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

; p/ ^5 d! l2 A. I3 tCMHC 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 s, [! [6 `* s* S: E! h/ `% l•1/3:  Expect to move in the next five years
•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?)
9 Z) Z6 Q' t3 h' S" b•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:
! J; ~$ P1 z5 z: U, R  G0 P
! \* H2 v# z0 x/ c* p3 u& g•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
1 Z. l. T0 w- I; K/ |•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
  v1 ]$ n) U/ R, f0 }Other interesting market share stats:
2 R; s' F0 G/ S" G
, |) Z5 R" M; S" _) @/ o•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.)
. H6 w4 L: p/ j: M7 h" [•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 m0 C; [4 c. F•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
$ b; @6 N: E6 y5 P8 R1 p& p8 v, o
) _$ o7 j3 |2 H0 vhttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.