ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

' }' K, p$ x' k" R( V! o1 B
% Y- B% G7 d% V& z, X% Q, Q8 D5 vCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
. M9 [+ m; Z# D
•70%:  Feel now is a good time to buy a home in Canada
0 k" c3 M. Z4 r8 E  r  E8 f0 q•1/3:  Expect to move in the next five years
; P- q% ?; h! }/ u( N7 w/ E: ^•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
( l, g4 A, W' s3 G! t6 S•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
* A: `3 U/ ^/ T% U# L; ~$ Z•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.)
2 u+ `2 ^% U9 q7 z+ |; A' ?, `; M) ]What matters to homeowners:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
6 m8 v% c* L: I  J9 `•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
* b! o& Y; J4 w6 }: z( @Other interesting market share stats:
/ O! U7 L6 l2 y
# a3 x( a( w. t- ]$ j- K  Y•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.)
! P7 z* v+ \1 V•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.)
" s' t3 g( r8 ^6 j! _$ K•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
) X6 l% U$ I, ^) Z1 H: {2 B* w
http://www.happymortgages.com/newsarticle.asp?id=210
% M, j) A5 ^* o( m9 f" `4 K* PSource:  The chart and all data are courtesy of CMHC.