ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

# H  F* {) t" I: r+ ?
4 j. a) V. `' |& r' I' sCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

. U( C3 {  g, i# c/ a•70%:  Feel now is a good time to buy a home in Canada
6 |; U" h8 m& n0 F. ?•1/3:  Expect to move in the next five years
) h( `: M3 v0 o) B5 J6 I•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?)
: ^; r- u  J- K. t; z# O* `•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:
" b8 S8 s# N, b
•"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.
Other interesting market share stats:
( ]- X; I+ j% g- N) ]. g+ T
4 ?& m+ a. Y; m* 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.)
$ Z( D6 y0 Q5 f% w•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

) ]0 ]( W( ^& G6 c7 c  whttp://www.happymortgages.com/newsarticle.asp?id=210
; F* k3 ~- ], V" o, w% s) A1 Y( ]Source:  The chart and all data are courtesy of CMHC.