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ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

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发表于 2009-6-25 08:29 | 显示全部楼层 |阅读模式
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本帖最后由 郭森房贷 于 2009-6-25 08:32 编辑 & N% g/ k# Q6 f/ {( {8 p& q) N% ~$ B5 @

& o% c9 E& R( XCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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/ w$ \0 M8 k# }6 M+ n" ^1 m•70%:  Feel now is a good time to buy a home in Canada * x: P3 |& D' }: }* A
•1/3:  Expect to move in the next five years ) e; J' [$ C7 r9 i2 T! Z
•73%:  Used their own resources (savings, equity, or RRSP) for their down payment. 5 C% v2 R3 K! v" u
•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
0 e2 d, s6 G3 @* [1 E- C, V•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.) $ s" x1 c6 ~+ F1 }
What matters to homeowners:
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4 {; `6 z  o- V) ~- c- l, c•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker. 0 J! h  N7 P, @4 m, J
•"Service":  The top reason driving customer satisfaction with brokers. 0 z0 Z9 g3 o, r1 e5 I& y" d
•"A good relationship":  The top reason behind customer satisfaction with lenders. " n# M  c, t9 K& u  j! Q# I; l
Other interesting market share stats:0 B1 |) r+ h# R/ E( ?( S& J* C7 t

6 e8 C( S- y) m: K4 @•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.)
6 m/ ]2 \3 o; t0 W6 w•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.)
; o& D( Z# w& o. [3 A•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.) * |  F! f$ {0 y+ O* D
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http://www.happymortgages.com/newsarticle.asp?id=210  o1 P. t/ H+ \4 z) y# ?
Source:  The chart and all data are courtesy of CMHC.
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