ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

! M- ~7 T( ?" V! r2 T$ t
% ?1 a) Z4 }3 \5 pCMHC 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
5 p0 D0 [% R" [0 r+ T( i' r•1/3:  Expect to move in the next five years
6 `$ A/ {. d& ?9 b! x* z•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.)
. A5 n) `, x& O; f3 B: ]What matters to homeowners:

•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
" r. @6 S2 Q$ j•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
! U" s* p# J7 _/ @Other interesting market share stats:
5 p' r- Z  D6 m' W- m
•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.)
•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

& _' Q7 s' J) t+ L4 chttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.