ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

3 U- j; Y! Q6 d; }1 ?
- V3 X$ m+ J, O# l; SCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:

0 V# B1 N7 ~, r( J- L, s. M7 u$ h•70%:  Feel now is a good time to buy a home in Canada
. C( u  N' H+ @( v7 r0 m# D3 k' H/ {•1/3:  Expect to move in the next five years
9 R4 [& N  ~! ^5 ^# N# v- I•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
. U5 @/ C6 \2 u- h7 M$ V, Y+ ~•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.)
What matters to homeowners:
. X( s' V9 Q! |# ~' b
. r& ?- I. L8 y8 k( k•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
' r# d; w, D5 J6 u- Q•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
4 O  L: z* Q" Q5 ?$ LOther 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.)
•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.)
7 @) D6 Q% u! k" F! Y•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

: u7 a8 o7 G! M" s! n) D3 xhttp://www.happymortgages.com/newsarticle.asp?id=210
Source:  The chart and all data are courtesy of CMHC.