ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

2 P+ ^6 p0 w3 ]6 P/ j+ t: ^* }7 E, |& ?
- |0 Q& e( t4 ?; w* {CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
: Y' S! |" v  h4 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.
$ k* i! ~1 s% L1 |( t! A7 O6 _( \: E•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.)
7 d* t9 d! x: O6 D% Y. @What matters to homeowners:

6 |2 t0 O0 E- g) V& m) T" X•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
  n! a" s3 h0 y/ @& d2 r" c9 @•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
- q& t' f& M, M) i: [  o
: X% e  \4 p7 t•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.)
. m0 i; I! C) f7 e( q•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.