ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

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7 ^! G, h& U9 G; M/ e; XCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

6 u: G' _3 ^( G  ]5 ~•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.
% m& V- ]1 @/ T2 y( S0 e•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.)
6 k1 _( k! s+ T, [# LWhat matters to homeowners:

+ Z& N" q9 k/ b; O+ |1 s- P•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
! S4 i" a0 X+ E! ^•"Service":  The top reason driving customer satisfaction with brokers.
" U: Q& D1 Q& }9 p•"A good relationship":  The top reason behind customer satisfaction with lenders.
; O% c; _& s. o9 EOther interesting market share stats:

9 V2 u2 B: r1 J+ @/ \•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.)
8 B9 l8 X, m# M+ C1 ?•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

( Y+ K* r/ j+ W' ~+ Q" rhttp://www.happymortgages.com/newsarticle.asp?id=210
* a7 d$ O+ S; ^. w/ ZSource:  The chart and all data are courtesy of CMHC.