ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

CMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
$ o  y( c8 R9 {0 V
( E+ E! T! q: w0 n& x•70%:  Feel now is a good time to buy a home in Canada
•1/3:  Expect to move in the next five years
•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?)
* W9 A% T  F$ J. P•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.)
8 X2 Y' l& |9 ?% t+ Q5 ^5 [- O7 j$ s2 AWhat matters to homeowners:
* W! h; J4 ~5 Z9 s- v3 \8 X  m  O5 ?
2 g1 y% A( z- H- c) b! o/ y% T5 x•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
) A2 I) p" Z$ O- e  A+ H( t•"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:

•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.)
6 \' ?, b$ o# X" c# Y
http://www.happymortgages.com/newsarticle.asp?id=210
! t- o& [7 h4 y3 {+ Y$ V" vSource:  The chart and all data are courtesy of CMHC.