ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

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/ p  e' h9 l2 hCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

3 K# ]7 Y8 t  [1 [( t. c•70%:  Feel now is a good time to buy a home in Canada
* S  {* A+ ~$ Y/ q0 t: N5 m: w•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?)
•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.)
& a% ~1 ^% W) ?" s& SWhat matters to homeowners:
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•"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.
7 E/ ^# u6 U7 L•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
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•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.)
4 u9 i0 u- d- i7 d$ a; f•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.)
3 b2 }2 A: d) O9 S- D1 R•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
$ C/ H' O4 q  _) I7 v. x. ISource:  The chart and all data are courtesy of CMHC.