ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

* f8 K3 u4 B! k8 ECMHC 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
•1/3:  Expect to move in the next five years
# [3 G9 C4 ^- l4 T/ V4 c* P9 N  S•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.)
What matters to homeowners:
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5 D! H! m: [) J! i5 W2 L4 C1 J•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
•"Service":  The top reason driving customer satisfaction with brokers.
: G! H' B, a9 I7 B1 u# }$ T•"A good relationship":  The top reason behind customer satisfaction with lenders.
* |) q+ ]; e9 e1 j$ a5 ?+ ^; JOther interesting market share stats:
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& f$ S4 W+ i( c4 e' k9 ^•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.)
" p# B3 L5 w# H( i0 P% w1 n; w2 e•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.)
8 F4 g% j6 t- A: e" ?% @•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

$ D2 \  f7 H  P2 \/ D" J" chttp://www.happymortgages.com/newsarticle.asp?id=210
: }/ P0 i9 N/ p) y( K, T, ^Source:  The chart and all data are courtesy of CMHC.