ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
! A3 K* r9 ~6 W: P$ S) g1 s
0 e6 \" Y% n: L! e/ k" o) p. f2 d•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
3 {& _( v1 ]% o, o: x•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
# d; b9 ~+ R# M2 m4 W•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
9 A$ i- g+ U6 z2 Y% o$ 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.)
3 w7 ]' ?$ [: _1 ?/ b2 e7 aWhat matters to homeowners:

/ ?0 ]5 N5 X% L0 E( i. [•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
+ D/ d: d: I4 GOther interesting market share stats:
1 I- ?7 p' L& M7 y* \: r% 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.)
8 _3 h/ l) y% Z7 g( e•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.)

http://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.