ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

; a/ z2 Z( c% D1 Y
  Z& _1 x; A  e: |1 b9 `; x) g; QCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

; r+ ~! r* d" z7 G! g+ h! H•70%:  Feel now is a good time to buy a home in Canada
& Y; t( Y; P0 ^•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?)
6 N4 }" b7 ?( H- J•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:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
6 T- T  u' x! H! G4 u3 w8 H•"Service":  The top reason driving customer satisfaction with brokers.
& d+ A3 y! T- `6 L+ l•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
8 l* w4 H0 s7 D7 w
  t- Y7 P, \, ^; s& f% E5 P•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.)
•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
1 e4 L: f: l% W
http://www.happymortgages.com/newsarticle.asp?id=210
1 S! F8 P' A  m) [( q$ B; z& K& PSource:  The chart and all data are courtesy of CMHC.