ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

2 a; o! C2 V+ iCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
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•70%:  Feel now is a good time to buy a home in Canada
; v/ T2 b* m5 T. c•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?)
/ P. z0 T( o6 Z; e& W" @2 G( y% `•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.)
" ]6 B. k0 O) a! s9 ?, L5 }, \What matters to homeowners:

/ }  o1 o/ [* I- v4 f+ e8 d8 u0 T•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
$ B; ~+ v2 V/ L•"Service":  The top reason driving customer satisfaction with brokers.
' ^* I# H" i( f3 d/ l& {•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:
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•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.)
! a0 w% y8 v* W: {4 j3 p•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.)
" c$ X$ ?/ v6 H0 [  l3 g: Z•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
Source:  The chart and all data are courtesy of CMHC.