ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

% R* c  v' z# W+ ?9 f* ?
2 @0 d2 D& T0 x' O% k) WCMHC 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
•1/3:  Expect to move in the next five years
/ n* ~. M6 |, n# `! a* F•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?)
- Z" J; T8 V+ y' _* }•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:
: M0 `1 }6 M3 C" i
•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
" F# ^+ k2 p. e* {$ t4 v9 w•"Service":  The top reason driving customer satisfaction with brokers.
6 |, S8 W$ B7 p, ]•"A good relationship":  The top reason behind customer satisfaction with lenders.
) K$ j  i) `1 _' T& w* ]3 a; Y$ hOther interesting market share stats:
3 d: e1 A5 Q. C  b
, T0 G& Z3 g3 N! s+ [•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.)
7 c) p5 b, H: V1 A•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.)

) L* L7 E+ i  S$ N8 P  X" D9 `: b: ahttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.