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:
6 Q) T1 D  H7 d: o8 z2 o# T+ ^: t
•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
: F4 Y3 {5 f8 j, d7 Q•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
5 v# A$ V& {( s•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.)
# \. j" E3 m5 jWhat matters to homeowners:
1 u2 d! D% I0 S' M% X* }: L5 }
' W6 P; X1 }" b" |1 b•"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.
3 t+ I/ \  k6 e! e•"A good relationship":  The top reason behind customer satisfaction with lenders.
; Y8 R4 d3 s, `, K2 |9 [Other 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.)
0 K0 f$ M, \* N7 }) x. D•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.)
/ g, r+ j/ y% z, [7 z$ T
http://www.happymortgages.com/newsarticle.asp?id=210
/ B, ~7 v$ N& [% H3 G$ ^Source:  The chart and all data are courtesy of CMHC.