ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

4 n- [, g' n2 P& J8 v( {CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

2 |5 Y& B" J* ^- s! G•70%:  Feel now is a good time to buy a home in Canada
1 M/ Z6 \9 b6 x5 P•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?)
  F! K  M  B# O* P, I) Y+ N) \$ w4 U•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.)
) Z+ t7 z) U8 f9 aWhat matters to homeowners:

* I  E* G4 R& u" B& I, a•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
3 Q, {. t2 }+ v- {) _•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
! w3 W5 K( h. X7 M" NOther interesting market share stats:

•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.)
  J' C8 u) u, t% c' B
4 [) C# y5 @7 b3 Z* _2 ?7 H& ohttp://www.happymortgages.com/newsarticle.asp?id=210
7 T' |) ?/ @- u) V' H! {5 A9 XSource:  The chart and all data are courtesy of CMHC.