ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

/ u+ v0 j+ i, k5 {" X$ dCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
+ ^# B! s, S7 [9 k7 V$ R
. G+ h* r* ]& c# p% L•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.
•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
7 B8 i0 m7 W7 s) {! s•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:
& y( L0 q/ u7 ]$ Q
  p# t1 {4 [! ^4 t1 l. j0 I# z•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
0 {  r, u3 Y) b6 u•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
% _2 F+ M1 O1 }( ?4 p6 ~& sOther interesting market share stats:
$ M$ R3 d  _2 c- F. W9 K' ^! ?  |3 W' Q
9 ^. U+ l. ?$ T# K•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.)
! q1 v, z) m- X% s+ n•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.)
  f3 m/ j/ r5 p) D•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
$ M% S! h8 f& e
- m: h* q7 ?0 T6 p9 d( Z: N  ]% Ehttp://www.happymortgages.com/newsarticle.asp?id=210
& G" j5 j% a- FSource:  The chart and all data are courtesy of CMHC.