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ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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发表于 2009-6-25 08:29 | 显示全部楼层 |阅读模式
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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 2 r1 `& ~. b+ R) h
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CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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•70%:  Feel now is a good time to buy a home in Canada 9 b9 D0 q/ N- Z5 A
•1/3:  Expect to move in the next five years 3 H- M: J: _( t. w
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment. ; j) A  f- C! Y: g, U* ?" ~! D
•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
" |$ V" X& s6 t# ^# L$ `: @•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.) 6 R, [) g7 J  L3 m
What matters to homeowners:' q2 F$ z; T& Z" C3 h" p$ B0 c
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
) V$ k+ ~" t/ A$ D•"Service":  The top reason driving customer satisfaction with brokers.
2 v/ o# \) ^7 `& X' n6 p2 h* M•"A good relationship":  The top reason behind customer satisfaction with lenders. - ~8 \2 Y9 g: S
Other interesting market share stats:. i. ~, u4 A2 |; j( X
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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.) ! f4 {! m3 o1 e+ g6 c) z# 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.) 4 q1 S$ p: K  u: Z
•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
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http://www.happymortgages.com/newsarticle.asp?id=2100 K( a* V2 T7 W& p" f6 |
Source:  The chart and all data are courtesy of CMHC.
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