ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

/ _% |! S  ^3 E+ KCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

•70%:  Feel now is a good time to buy a home in Canada
* t$ C# b- C; Y6 r- g•1/3:  Expect to move in the next five years
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
) ]2 I+ E$ a% z•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
1 M, c5 ?+ a+ h$ J" f•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( J0 D) I3 {* [; cWhat matters to homeowners:
0 n# W9 o. H, G' Y) e" V0 {: n
•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
' k( v9 E+ Z& F•"Service":  The top reason driving customer satisfaction with brokers.
. g. D# b1 x; ]7 o8 f•"A good relationship":  The top reason behind customer satisfaction with lenders.
3 U2 c* _) g6 S- Y9 B: \Other interesting market share stats:

: ]4 I' h1 l! f0 ?•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.)
8 M% K' Y6 l0 q5 ^- c& `$ m•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

# @# s0 O& w0 j' z3 o; S  j; ^http://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.