ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

4 E; e$ N; W  Z# f$ |CMHC 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
•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
  _% y& q& J% D8 E1 }•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.)
3 X0 d6 g0 R# O  wWhat matters to homeowners:
( l4 n/ f5 W, h$ Y- M" D
•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
/ A0 r* g! L( N7 Z. E- e•"Service":  The top reason driving customer satisfaction with brokers.
* V: a, {+ F% q$ G* z•"A good relationship":  The top reason behind customer satisfaction with lenders.
7 `, w1 A& }- zOther interesting market share stats:
0 r$ n% r7 n+ w/ w% S1 a6 u1 a
# ?% S4 H: t) `; b, e9 K- ^•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.)
% z  C* t9 t$ }1 C; D+ X•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.)
3 V: q( G  \& }# I# Q2 Y( U  u
: y! x/ A: I; Ahttp://www.happymortgages.com/newsarticle.asp?id=210
" K4 C9 C% H8 vSource:  The chart and all data are courtesy of CMHC.