ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

; `! ]! f! v0 m. }' h, y, g
+ {5 o% |0 n5 S6 A. Z$ SCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
- j) w$ F' A. C* t4 _$ I+ {7 j
2 L( i5 B5 i; w% M•70%:  Feel now is a good time to buy a home in Canada
1 R: b; G( C  ^1 v1 |•1/3:  Expect to move in the next five years
4 w! g7 A' f; f•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.)
. E7 R4 |3 I" z- [& ?What matters to homeowners:

6 f( w7 G9 f' c* {" `# Y, `•"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.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
. P' q* Y9 l4 _$ O1 lOther interesting market share stats:
5 u3 {  Y6 e7 n4 @8 R
. r4 d; m( d" W6 s; F1 |/ `•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.)
) G' j! W& l- H6 n6 ~
8 [1 F7 M( q. V* u1 @6 s& Fhttp://www.happymortgages.com/newsarticle.asp?id=210
" R( e; f" v. |1 USource:  The chart and all data are courtesy of CMHC.