ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

+ o: L8 R+ E" G4 g, y$ n. m
, R& z# R  F  }CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

/ _- g2 h* M3 s9 X7 O•70%:  Feel now is a good time to buy a home in Canada
" k& U& B  W/ i0 x% W6 D7 ~6 A& v•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?)
: P+ K% ?2 g2 Z5 ]" Z•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.)
/ N  ~5 J  I3 Z1 N0 TWhat matters to homeowners:

4 ?8 @7 C! V+ O•"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.
. t7 G, y! [7 b% _, R+ G& s: \•"A good relationship":  The top reason behind customer satisfaction with lenders.
: {5 [- G: F9 q/ j9 q' `Other interesting market share stats:
, E( B/ m3 L, u
2 i6 o2 ]# u9 |4 P' M! Z•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.)
% R1 D! c. N+ x) D# S) Y. s•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.)
7 `( }5 X8 K: R+ u1 z
% v* J2 k& k7 t6 N0 z, y$ yhttp://www.happymortgages.com/newsarticle.asp?id=210
" h( w& e1 ], l, W- lSource:  The chart and all data are courtesy of CMHC.