ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

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6 @5 q1 @( V4 \% r$ I- OCMHC 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
2 c' i+ ~( R  b$ {  u2 }* y8 I8 }•1/3:  Expect to move in the next five years
5 D) H* J7 q0 _' c9 c•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
) c* q( l+ `9 f4 R' N0 @•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
9 G1 C+ k, ]: a% }) S•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:
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•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
6 w0 r4 g! b5 v- E. e1 F3 c•"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:
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7 f) _% x2 l& Z2 S6 P! K•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.)
2 h2 s5 Y, S# J•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.)
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http://www.happymortgages.com/newsarticle.asp?id=210
4 r9 h8 [9 _4 R! RSource:  The chart and all data are courtesy of CMHC.