ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

3 d  P% j* w& QCMHC recently surveyed 2,507 new mortgage consumers.  Here's what they found:
& I3 }: F+ l9 a+ n- ?
•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.
- A3 P; s. l$ g* Y' H2 K: X$ h•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.)
1 O4 \: l' [9 a. aWhat matters to homeowners:

% m: d& u% e, \. E•"Getting the best rate":  This was the number one thing that made customers satisfied with their lender or broker.
+ P2 ^& E( L9 {* Y•"Service":  The top reason driving customer satisfaction with brokers.
•"A good relationship":  The top reason behind customer satisfaction with lenders.
. a+ b0 X+ d# k* ?  j) s- W1 z  xOther 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.)
7 Y0 Y) F( N7 X' m6 f* r* S•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)
; o' g* N  e/ C! q
2 Z& i- ~! _6 Z. M' T; S2 Shttp://www.happymortgages.com/newsarticle.asp?id=210
  m( ?/ B, t" f, ASource:  The chart and all data are courtesy of CMHC.