ZT-TMG- CMHC's 2009 Mortgage Consumer Survey

郭森房贷

# H/ Q# ^7 {# _, H8 l; a0 xCMHC 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
•1/3:  Expect to move in the next five years
/ o7 C: n$ Z+ Q/ n/ U& X! Q0 e•73%:  Used their own resources (savings, equity, or RRSP) for their down payment.
: Q* X: x$ g* x& ?7 L•1/3:  Have previously requested their credit score from a credit bureau.  (Wow.  2/3 have not?)
1 |" r- m  ?6 x•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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, D! \, l  L( ^1 K' ?•"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.
/ T" F. p+ p, b  x•"A good relationship":  The top reason behind customer satisfaction with lenders.
Other interesting market share stats:

7 T0 V2 \, j; e1 g, q•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.)
% h8 x- ^( |9 |0 p& u2 w  B•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.)
! }( D  K! p$ X" a2 J1 P- l•44%:  The number of first-time buyers who got their mortgage through a broker.  (This is up sharply from 35% in 2007.)

http://www.happymortgages.com/newsarticle.asp?id=210
7 t! H6 d9 x3 H" L1 ISource:  The chart and all data are courtesy of CMHC.