ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

# u5 ~4 f$ @8 \( k+ d( n* W  m
" |$ X6 E" K  t- h6 K+ QCMHC 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
" i+ {; o7 f( D+ H•1/3:  Expect to move in the next five years
; c" D- L0 M$ k0 K  c! @# c0 W•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
$ E4 m8 [- e% n3 w" g$ d•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.)
& S1 _/ ^  z. y. Q7 `What matters to homeowners:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
. U1 k! g" |' w, R2 p8 L•"Service":  The top reason driving customer satisfaction with brokers.
% y! i. F0 n. E6 u  a$ B7 z•"A good relationship":  The top reason behind customer satisfaction with lenders.
  v/ w9 E) S: N2 |3 b9 sOther interesting market share stats:
' p& J. `& y" {( Y  h
$ a: y  W8 n) o4 a9 y' 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.)
•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.)
/ d7 K( h# Q7 L! k% t•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

: i; \+ ~5 P3 J0 ?2 I; S# g# `6 ahttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.