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7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
1/12
8658LeOtLt~
D~dxwpbgmj wat mdd` pa avdm mdz `aaxs
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
2/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM8
Idw Ngm`gmjs nxal pbd 8658 Laxpjjd Oamsldx xdw
Oamstldxs exd caaigmj laxd pa pbd Gmpdxmdp nax laxpjejd gmnaxlepgam em` tsdan saogec ld`ge gs ecsa jxazgmj
Xdodmp htwdxs oampgmtd pa xdcw bde~gcw am laxpjejd vxandssgamecs em` apbdxs
nax e`~god em` gmnaxlepgam am e xemjd an laxpjejd xdcepd` pavgos
Xdodmp htwdxs exd drvcaxgmj pbdgx laxpjejd avpgams em` exd
eopg~dcw dmjejd` gm pbd laxpjejd vxaodss
Laxpjejd hxaidxs em` cdm`dxs hapb oampgmtd pa `a zdcc gm
pdxls an sbexd em` cawecpw
Vasp pxemseopgam naccaz,tv oampgmtds pa hd em glvaxpemp neopax
`xg~gmj ocgdmp sepgsneopgam em` vapdmpgec ntptxd htsgmdss
Xdodmp htwdxs xdvaxp peigmj eopgams pa vew `azm pbdgx
laxpjejd saamdx
Zbgcd pbdxd exd vasgpg~d gm`goepaxs xdjex`gmj pbd
ngmemogec cgpdxeow an xdodmp htwdxs# pbdxd gs xaal naxglvxa~dldmp
Ngxsp,pgld htwdxs `gnndx nxal apbdx laxpjejdoamstldxs em` be~d sald tmgutd mdd`s
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
3/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM ?
Es natm` gm cesp wdexs stx~dw# laxpjejd oamstldxs tsd
e ~exgdpw an xdsatxods# hapb am,cgmd em` ann,cgmd# zbdmcaaigmj nax gmnaxlepgam ehatp laxpjejd ndeptxds em`
avpgams- A~dxecc# ehatp sd~dm gm pdm ":5$' oamstldxs
xdvaxpd` tsgmj amcgmd satxods# tv scgjbpcw nxal >4$ gm
8655- Gm e``gpgam# ehatp amd gm pbxdd "?5$# tv nxal
88$ cesp wdex' xdcgd` sacdcw am pbd Gmpdxmdp pa jepbdx
laxpjejd,xdcepd` gmnaxlepgam-
Gmpdxdsp xepds `algmepd` elamj pavgos sdexobd` am
pbd Gmpdxmdp "2>$' naccazd` hw lax pjejd avpgams ":?$'-
Apbdx gpdls satjbp gmoct`d` laxpjejd oecotcepaxs em`
jdmdxec gmnaxlepgam ehatp laxpjejds- Jdmdxeccw# pbd
laxpjejd,xdcepd` gmnaxlepgam em` paacs natm` am pbd
Gmpdxmdp zdxd sddm pa hd tsdntc# zgpb tsdntcmdss xepgmjs
eha~d 26$- An oamstldxs jagmj amcgmd# :5$ tsd` e
laxpjejd oecotcepax-
_aogec ld`ge exd ecsa
leigmj gmxae`s es
satxods nax laxpjejd
gmnaxlepgam- Elamj ecc
laxpjejd oamstldxs#Neodhaai gs pbd lasp
vavtcex# zgpb 4$ an
oamstldxs caaigmj pa pbgs ld`gtl nax laxpjejd,xdcepd`
gmnaxlepgam- Elamj ngxsp,pgld htwdxs pbd tsd an Neodhaaizes 58$- Gm neop# pbd gmoxdesd` gmog`dmod an tsgmj saogec
ld`ge elamj ngxsp,pgld htwdxs gs mapehcd# jagmj nxal
?$ gm 8656 pa 55$ gm 8655 em` pa 86$ gm 8658mdexcw
`athcgmj gm pbd cesp wdex- Gmpdxdspgmjcw# 0?$ an saogec ld`ge
tsdxs tsd` pbd gmpdxeopg~d meptxd an saogec ld`ge dgpbdx pa
sacgogp avgmgams ax pa vxa~g`d emszdxs pa apbdx laxpjejd
oamstldxs- Apbdx saogec ld`ge vcepnaxls stob es Pzgppdx#
WatPthd# em` Cgmid`Gm zdxd tsd` hw amcw e ~dxw slecc
vxavaxpgam an oamstldxs "5$,?$'-
Lahgcd `epe `d~gods exd hdgmj tsd` hw e slecc htp jxazgmj
vxavaxpgam an oamstldxs- Elamj ecc lax pjejd oamstldxs
zba jepbdxd` gmnaxlepgam amcgmd# pbd gmog`dmod xasd nxal
56$ gm 8655 pa 50$ gm 8658- Elamj 52 pa 80 wdex,ac`s#
pbd tsd an lahgcd
`d~gods zes
sthspempgeccw bgjbdx ep
?2$- Jdmdxeccw# lahgcd
evvs pbep gmoct`d e
laxpjejd vewldmp!
gmpdxdsp! elaxpg{epgam
oecotcepax exd ~gdzd`
es lasp tsdntc-
OtL e CIG L B G N Le GNLeG
e@ t N OGeC L@Ge G eC ZG
865886558656
86$
55$
?$
apc sd an saogc ld`gecc Ngxsp gld Hwdxs
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
4/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM0
Es sddm gm vxd~gats stx~dws# xdodmp htwdxs oampgmtd pa
xdcw am laxpjejd vxandssgamecs "cdm`dxs em` hxaidxs' naxe`~god `txgmj pbd laxpjejd vxaodss- Ecsa# an htwdxs zba
tsd` e cdm`dx# 4>$ gm`goepd` pbep pbd cdm`dx zes pbd
sgmjcd lasp gmnctdmpgec vdxsam gm pbdgx laxpjejd `dogsgam#
em` 04$ an htwdxs zba tsd` e hxaidx gm`goepd` pbep pbd
hxaidx zes pbd sgmjcd lasp gmnctdmpgec vdxsam- Xdodmp
htwdxs ecsa xdvaxpd` xdcwgmj am apbdx vexpgds gmoct`gmj;
e nelgcw ldlhdx "4:$'9 xdec dspepd ejdmp "4?$'9 cezwdx
"06$'9 em`# ngmemogec vcemmdx "87$'- Nax ehatp amd,pbgx`
an pbdsd htwdxs# pbdsd satxods be` e jxdep `dec an
gmnctdmod gm pbdgx laxpjejd `dogsgam-
@txgmj pbd laxpjejd vxaodss# laxd pbem amd,utexpdx an
htwdxs xdvaxpd` xdodg~gmj e xdoalldm`epgam pa tsd e
svdogngo cdm`dx "87$' ax laxpjejd hxaidx "84$'-
Pbd lasp oallam xdndxxec satxod nax cdm`dxs zes enelgcw ldlhdx ax ngmemogec vcemmdx- Gm pbd oesd an hxaidxs#
gp zes e xdec dspepd ejdmp ax e nxgdm` an pbd haxxazdx-
Es vexp an pbdgx gmnaxlepgam em` laxpjejd sdcdopgam
vxaodss# htwdxs xdodg~d` drvcemepgams am e xemjd an
pavgos# gmoct`gmj; pbd `gnndxdmods elamj ~exgats laxpjejd
vxa`tops ":5$'9 pbd vtxvasd an laxpjejd caem gmstxemod
">:$'9 em`# vdmecpw ocetsds ">:$'- Ehatp sgr gm pdm
xdvaxpd` xdodg~gmj drvcemepgams ehatp ocasgmj oasps ">8$'#
em` pbd vtxvasd an e laxpjejd vxd,evvxa~ec ">8$'-
E sglgcex vxavaxpgam ">5$' xdvaxpd` xdodg~gmj drvcemepgams
ehatp pbd glveop an lax pjejd vxdvewldmps em` pbd
dnndop an xgsgmj gmpdxdsp xepds-
an xdodmp baldhwdxs xdodgd` drvcmpgams am pbd`gnndxdmods hdpzddm xgas laxpjjd vxa`ops:5$
O Ht OGt C Be~GC Le VNGeC e@ B
N e@~GO e@ GNLeG e e N Le Ce@ VGO
xdodgd` drvcmpgams am pbd glvopan vxdvwldmp m` pbd dnndop an xgsgmjgmpdxdsp xpds
>5$
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
5/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM 4
Laxpjejd oamstldxs svdm` am e~dxejd ehatp ng~d
zddis `agmj xdsdexob hdnaxd leigmj e laxpjejd vxa`top`dogsgam- Ngxsp,pgld htwdxs svdm` em e~dxejd an dgjbp
zddis- Pbd e~dxejd pgld svdmp xdsdexobgmj laxpjejds
zes negxcw oamsgspdmp eoxass Oeme`e-
Ehatp pza,pbgx`s an xdodmp htwdxs xdvax pd` oampeopgmj
e cdm`dx ax hxaidx pa cdexm ehatp laxpjejd avpgams
"4>$ oampeopd` e cdm`dx em` ?0$ oampeopd` e hxaidx'-
Elamj pbasd oampeopgmj e cdm`dx# am e~dxejd
8-: cdm`dxs zdxd oampeopd`9 nax hxaidxs# am e~dxejd
5-7 zdxd oampeopd`-
Lemw xdodmp htwdxs vxdvexd` pbdlsdc~ds hdnaxd lddpgmj
zgpb e cdm`dx ax hxaidx- Elamj xdodmp htwdxs# mdexcw
pbxdd,utexpdxs be` `amd ep cdesp amd an; vxdvexd` e cgsp
an utdspgams9 axjemg{d` pbdgx vdxsamec gmnaxlepgam9 ax
vxdvexd` e cgsp an pbdgx essdps vxgax pa lddpgmj zgpb pbdgx
laxpjejd vxandssgamec- E lekaxgpw "42$' an ecc laxpjejdoamstldxs ecsa dmjejd` gm `gsotssgams ehatp pbd vxas em`
oams an ~exgats laxpjejd vxa`tops e~egcehcd pa pbdl , pbgs
cd~dc an dmjejdldmp gs sddm gm ecc xdjgams an pbd oatmpxw-
@agmj `gcgjdmp xdsdexob!sbavvgmj gs ntxpbdx d~g`dmod`
hw pbd neop pbep xdodmp htwdxs zdxd vxdsdmpd` zgpb#
am e~dxejd# pza pa pbxdd laxpjejd avpgams hw pbdgx
cdm`dx ax hxaidx-
Ep pbd dm` an pbd vxaodss# laxd pbem 26$ an laxpjejd
oamstldxs ndcp oamng`dmp pbep pbdw jap pbd hdsp `dec
nax pbdgx mdd`s em` pbep pbd laxpjejd vxaodss zes
desw em` spxegjbpnaxzex`-
dxcw an xdodmp hwdxs b` `amd
p cdsp amd an; vxdvxd` e cgsp an utdspgams9axjmg{d` pbdgx vdxsamec gmnaxlepgam9 ax
vxdvxd` e cgsp an pbdgx essdpsvxgax pa
lddpgmj zgpb pbdgx laxpjjd vxandssgamc
O Ht e RVCG BG Le VG e@ e eOG~C e@
G B Le VO
:4$
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
6/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM>
Gm pbd 8658 stx~dw# 8:$ an laxpjejd oamstldxs tsd` e
laxpjejd hxaidx pa exxemjd pbdgx laxpjejd "8?$ gm 8655'-Gm pbd vesp wdex# hxaidxs be~d le`d ntxpbdx gmxae`s
elamj laxpjejd xdmdzdxs# zgpb amd gm n g~d xdcwgmj am
e hxaidx- Hxaidx sbexd an laxpjejd axgjgmepgams bes
xdlegmd` spehcd elamj ngxsp,pgld htwdxs ep 02$# em`
xdvdep htwdxs ep ?8$- Elamj pbasd xdngmemogmj pbdgx
laxpjejd# 8:$ tsd` e hxaidx- Idw xdesams nax tsgmj e
hxaidx oampgmtd pa hd jdppgmj pbd hdsp xepd ax `dec#
em` xdodg~gmj drodccdmp sdx~god-
Laxpjejd oamstldxs xdlegm cawec pa pbdgx drgspgmj cdm`dx
pa ~exwgmj `djxdds- Mdexcw mgmd gm pdm xdmdzdxs oampgmtd
pa xdlegm cawec pa pbdgx drgspgmj cdm`dx#
e ngm`gmj pbep bes hddm oamsgspdmp a~dx pbd vesp sd~dxec
wdexs- Cdm`dx cawecpw oampgmtds pa hd zdeidsp elamjngxsp,pgld htwdxs# zbdxd 47$ xdvaxpd` jdppgmj pbdgx
laxpjejd zgpb pbd ngmemogec gmspgptpgam pbdw zdxd `decgmj
zgpb pbd lasp- Bazd~dx# pbdxd evvdexs pa hd em gmoxdesd
gm cdm`dx cawecpw elamj ngxsp,pgld htwdxs# zbgob bes
gmoxdesd` nxal amcw 0:$ gm 8667- Es zgpb hxaidxs#
idw xdesams nax tsgmj e cdm`dx oampgmtd pa hd jdppgmj
pbd hdsp xepd ax `dec# em` xdodg~gmj drodccdmp sdx~god-
Nax hapb cdm`dxs em` hxaidxs# laxpjejd mdjapgepgams exd
spgcc `algmepd` hw neod,pa,neod lddpgmjs ">2$ nax pbasd
tsgmj e cdm`dx em` 45$ nax pbasd tsgmj e hxaidx'# naccazd`
e `gspemp sdoam` hw lasp mdjapgepgams hdgmj `amd a~dx
pbd vbamd "52$ nax pbasd tsgmj cdm`dx em` 85$ nax pbasd
tsgmj e hxaidx'- Pbd lekaxgpw an laxpjejd oamstldxs
ejxdd` pbep pbdw zdxd sepgsngd`
zgpb pbdgx drvdxgdmod tsgmj pbdgx
cdm`dx ax hxaidx "2?$ nax cdm`dxs
em` ::$ nax hxaidxs'-
Le HI e@ C@ HB OGt @ ZCC G L N
Be e@ CeC
>
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
7/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM :
56$
54$
86$
84$
?6$
?4$
06$
04$
46$
Ecc vtxobesdxsXdmdzXdXHNPH
8658865586568667866:866>
5?$
50$
58$ 5?$
54$
85$
88$
82$
84$8?$
84$
8:$8?$
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8:$
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?7$ 06$
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?4$
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02$ 02$
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46$
44$
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26$
24$
76$
74$
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0:$ 0>$
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>4$>?$
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>7$
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25$2?$
76$22$
27$22$
Hxaidxs lgmpgm lxidp sbxd
Lasp laxpjjd oamsldxs xdlgm cawc pa pbdgx cdm`dx
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
8/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM2
Gm pbd 8658 stx~dw# 0>$ an oamstldxs zdxd oampeopd`
hw pbdgx laxpjejd vxandssgamec naccazgmj pbdgx laxpjejdpxemseopgam- Gm pbd oesd an pbasd tsgmj e cdm`dx `gxdopcw#
08$ xdvaxpd` vasp pxemseopgam naccaz,tv# zbgcd nax pbasd
tsgmj e hxaidx 44$ xdvaxpd` vasp pxemseopgam oampeop-
Pbd lasp oallam ldpba`s an oampeop zdxd hw
pdcdvbamd "4:$ an cdm`dx otspaldxs em` 08$ an hxaidx
otspaldxs zba be` hddm oampeopd`'# naccazd` hw dlegc
"8?$ em` 87$ xdsvdopg~dcw'- Nax pbd lasp vexp# pbd
vtxvasd an stob naccaz,tv zes sglvcw pa pbemi pbd
otspaldx "42$ an pbasd oampeopd` hw pbdgx cdm`dx em`
>>$ an pbasd oampeopd` hw pbdgx hxaidx' em`!ax paoamngxl pbd ocasgmj "0?$ em` ??$ xdsvdopg~dcw'-
Laxpjejd oamstldxs bgjbcw ~ectd` pbdgx hxaidx ax cdm`dx
oampeopgmj pbdl naccazgmj pbd laxpjejd vxaodss# em` stob
oampeop oem hd ~dxw hdmdngogec pa hxaidxs em` cdm`dxs-
Ehatp pza,pbgx`s an oamstldxs oampeopd` papeccw ejxdd`pbep pbdw zdxd sepgsn gd` zgpb pbd sdx~gods vxa~g`d` hw
pbdgx cdm`dx ax hxaidx- Pbgs oalvexds pa amcw ehatp natx
gm pdm elamj pbasd zba be` map hddm oampeopd`-
_glgcexcw# vasp,pxemseopgam oampeop jxdepcw gmoxdesd` pbd
cgidcgbaa` e oamstldx zatc` tsd pbdgx cdm`dx ax hxaidx
nax pbdgx mdrp laxpjejd pxemseopgam- Elamj pbasd
oampeopd`# ehatp >6$ papeccw ejxdd` pbdw zatc` tsd
pbdgx cdm`dx ax hxaidx ejegm gm pbd ntptxd# oalvexd` pa
amcw ehatp amd,pbgx` an pbasd zba zdxd map oampeopd`-
Pbd glvaxpemod an laxpjejd ocgdmp sepgsneopgam gs ntxpbdx
`dlamspxepd` hw pbd ngm`gmj pbep 2?$ an hxaidx ocgdmps
em` 28$ an cdm`dx ocgdmps zba papeccw ejxdd` pbep pbdw
zdxd sepgsngd` zgpb pbdgx hxaidx!cdm`dx drvdxgdmod ecsa
papeccw ejxdd` pbdw zgcc tsd pbd seld hxaidx!cdm`dx
nax pbdgx mdrp laxpjejd pxemseopgam-
V eeOG NCCZ,tV OGt H e GLVe NeO @G~G
OCG eGNeOG e@ VGeC Ntt HtG
>6$an laxpjjdoamsldxs oampopd`papccw jxdd` pbdw zac`sd pbdgx cdm`dx ax hxaidxjgm gm pbd npxd
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
9/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM 7
Es gm pbd 8655 stx~dw# ehatp amd,pbgx` "?5$' an xdodmp
htwdxs xdvaxpd` leigmj dgpbdx e ctlv,stl vewldmp axgmoxdesgmj pbdgx xdjtcex vewldmp ax hapb es eopgams pa vew
ann pbdgx laxpjejd saamdx9 pbgs oalvexds pa 87$ gm pbd
8655 stx~dw- Es zdcc# mdexcw becn an xdodmp htwdxs "00$'
be~d pbdgx laxpjejd vewldmp sdp bgjbdx pbem pbd
lgmgltl xdutgxd`# ecsa e scgjbp gmoxdesd a~dx pbd vxd~gats
wdex "?7$'- Pbgs ngm`gmj gs oamsgspdmp eoxass pbd oatmpxw-
Hdsg`ds pbd eha~d eopgams# xdodmp htwdxs xdvax pd` dgpbdx
vtppgmj esg`d se~gmjs em`!ax xd`togmj mam,laxpjejd `dhp#
gmoct`gmj; >5$ oampxghtpgmj pa em XX_V9 ?>$ leigmj
gm~dspldmps atpsg`d an pbdgx XX_V9 em` 0?$ vewgmj
`azm mam,laxpjejd `dhp nespdx pbem mdodssexw-
Gm e``gpgam# >8$ xdvaxpd` be~gmj oampxghtpd` pa
e jdmdxec se~gmjs eooatmp-
O Ht V eIG eOG Ve @Z BG
Le
bd pbdgx laxpjjd vwldmp sdpbgjbdx pbm pbd lgmgll xdugxd`00$
vwgmj `azm mam,laxpjjd`dhp nspdx pbm mdodssxw0?$
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
10/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM56
Es vexp an pbdgx xdsdexob gm pbd laxpjejd eoutgsgpgam
vxaodss# ehatp natx gm pdm xdodmp htwdxs "0:$ an ngxsp,pgldem` ??$ an xdvdep htwdxs' zdmp amcgmd em` `g` e ngmemogec
sdcn,essdssldmp-
Caaigmj heoi enpdx pbd vxaodss# sald 26$ vcts an xdodmp
htwdxs ndcp pbdw be` e jaa` tm`dxspem`gmj ehatp baz
ltob pbdw oatc` ennax` em` ecsa pbep pbdw be` le`d pbdgx
`dogsgam zgpb e jaa` tm`dxspem`gmj an pbd laxpjejd
avpgams e~egcehcd pa pbdl-
_glgcex pa pbd 8655 stx~dw xdstcps# 26$ an xdodmp htwdxs
xdvaxpd` pbep pbdw be` dspehcgsbd` ep cdesp pa salddrpdmp e batsdbac` ht`jdp# zgpb lasp zba `g` sa
eccazgmj nax oampgmjdmogds# stob es essdssgmj pa sald
`djxdd; pbd vapdmpgec glveop an xgsgmj gmpdxdsp xepds am
pbdgx ht`jdp ">>$'9 pbd vapdmpgec glveop an e cass gmoaldam pbdgx ht`jdp ">>$'9 em`# pbd vapdmpgec glveop an xgsgmj
drvdmsds am pbdgx ht`jdp ":>$'-
Elamj pbasd zgpbatp e ht`jdp# natx,ngnpbs "28$' gm`goepd`
pbep pbdw ndcp oamng`dmp pbdw oatc` vxdvexd e ht jdp hesd` am
pbdgx drgspgmj imazcd`jd- Bazd~dx# eclasp becn zdxd map
oamng`dmp pbdw imdz zba pa ja pa nax bdcv gm dspehcgsbgmj
e batsdbac` ht`jdp-
Zbgcd pbd eha~d xdstcps exd xdcepg~dcw vasgpg~d xdjex`gmj
ngmemogec oamstldx cgpdxeow elamj xdodmp htwdxs# pbdxd gsxaal nax glvxa~dldmp- Pbd stx~dw ngm`gmjs sbazd` pbep;
86$ an xdodmp htwdxs `a map be~d e batsdbac` ht`jdp9
amd,ngnpb "88$' exd map stxd zbdxd pbdw zatc` ja nax
e`~god gm oesd an ngmemogec `gnngotcpw-
ZBGC B e VGG~ G@GOe e@G B NGeOGeC CGeO
N O Ht# B G L N GLV~L
xdodmp hwdxs
zdmp amcgmd m` `g` ngmmogc
sdcn,ssdssldmp
0gm56
7/31/2019 2012 CMHC Mortgage Consumer Survey 2012
11/12
8658 LAXPJEJD OAM_TLDX _TX^DW XD_TCP_
OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM 55
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