ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

# _1 d# e' s% T) RCMHC 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
( G# A$ K- p" k8 ?2 ?2 E•1/3:  Expect to move in the next five years
# u& n$ ^! ^; S0 I$ Z  k6 Z9 J•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.)
. e9 A3 L" D6 j$ l$ E6 s/ N& }/ |: mWhat matters to homeowners:
  `; Q- m/ {( J' @9 E( X
+ d% ?4 b5 t  p8 {/ b/ N" V•"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.
8 h2 Z2 D) u: O/ Q1 U0 T$ L" ^Other interesting market share stats:
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9 n* u% c, q. i/ q5 @•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.)
& n8 S1 F/ X& q$ Z/ X5 A•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.)
& k& I0 t8 C! G4 ?6 v6 }, P* M•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

, ]- ^. ~: X, v" P: }5 w8 W4 qhttp://www.happymortgages.com/newsarticle.asp?id=210
1 ]' L0 \- M3 ^, R; j) p' ^Source:  The chart and all data are courtesy of CMHC.