2012 CMHC Mortgage Consumer Survey 2012

7/31/2019 2012 CMHC Mortgage Consumer Survey 2012

1/12

8658LeOtLt~

D~dxwpbgmj wat mdd` pa avdm mdz `aaxs


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


3/12


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 àlgmepd` 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

àthcgmj 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 èpe `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


4/12



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$


5/12


OEME@E LAXPJEJD EM@ BAT_GMJ OAXVAXEPGAM 4

Laxpjejd oamstldxs svdm` am e~dxejd ehatp ng~d

zddis àgmj 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 Oemeè-

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` àmd 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` àmd

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$


6/12


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

>


7/12


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:$8?$

?5$

?2$ ?7$

?8$ ?8$

8:$

??$ ?5$??$

?7$ 06$

?6$

?4$

00$04$

02$ 02$

?4$

06$

04$

46$

44$

>6$

>4$

:6$

:4$

26$

24$

76$

74$

XdmdzXdXHNPH

8658865586568667866:866>

42$

>:$

0:$ 0>$

4:$47$

>4$>?$

47$42$

>7$

>0$

>>$

:5$

>>$

:6$

>2$

>7$

25$2?$

76$22$

27$22$

Hxaidxs lgmpgm lxidp sbxd

Lasp laxpjjd oamsldxs xdlgm cawc pa pbdgx cdm`dx


8/12



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


9/12



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?$


10/12



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


11/12



eHt B t~

Gm Ndhxtexw em` Lexob 8658# OLBO oalvcdpd` em amcgmd stx~dw an ?#468 xdodmp laxpjejd oamstldxs ecc

vxgld `dogsgam leidxs zba tm`dxpaai e laxpjejd pxemseopgam zgpbgm pbd vxd~gats 58 lampbs- Pbd ngm`gmjs

xdvxdsdmp pbd ~gdzs an pbd oamstldxs stx~dwd`-

OLBO bes oam`topd` pbgs stx~dw sgmod 5777- Es watx pxtspd` vexpmdx gm laxpjejd caem gmstxemod# zd pxtsp pbep

wat oem tsd pbdsd ngm`gmjs pa g`dmpgnw avvaxptmgpgds em` htgc` spxamjdx xdcepgamsbgvs zgpb watx ocgdmps-

@NGGG

Nax pbd vtxvasd an pbgs stx~dw# xdodmp laxpjejd oamstldxs exd sdjldmpd` es naccazs;

Ngxsp,pgld hwdxs; pbasd zba vtxobesd` pbdgx ngxsp bald gm pbd vesp 58 lampbs em` paai e laxpjejd

dvdp hwdxs; pbasd zba vxd~gatscw azmd` e bald em` be~d vtxobesd` e sthsdutdmp bald gm pbd vesp

58 lampbs em` paai e laxpjejd

dmdzdxs; pbasd zba xdmdzd` pbdgx laxpjejd gm pbd vesp 58 lampbs

dngmmodxs; pbasd zba xdngmemod` pbdgx bald pbxatjb e laxpjejd gm pbd vesp 58 lampbs

LeG N C@ CeC

Cdm`dx cawecpw nax xdvdep htwdxs# xdmdzdxs# em` pbasd xdngmemogmj ldems pbep pbdw ahpegmd` pbdgx otxxdmp

laxpjejd nxal pbd seld laxpjejd cdm`dx pbdw zdxd `decgmj zgpb vxd~gatscw- Nax ngxsp,pgld htwdxs gp ldems pbep

pbdw ahpegmd` pbdgx otxxdmp laxpjejd nxal pbd ngmemogec gmspgptpgam pbdw zdxd `decgmj zgpb pbd lasp ep pbd pgld

pbdw paai atp pbdgx lax pjejd-

Pbd stx~dw xdstcps sbazd` pbep ngxsp,pgld htwdxs be~d

sald `gspgmop obexeopdxgspgos- Map stxvxgsgmjcw# amd gs hdgmjwatmjdx# zgpb em e~dxejd ejd an ?0 ~s- 0: nax xdvdep

htwdxs- Apbdxs gmoct`d; e bgjbdx gmog`dmod an tsgmj e

laxpjejd hxaidx9 cazdx cd~dcs an cdm`dx cawecpw9 bgjbdx

gmog`dmod an spex pgmj pbdgx laxpjejd xdsdexob zgpb e

nelgcw ldlhdx em` nxgdm`9 em`# jxdepdx gmnctdmod

an nelgcw ldlhdxs-

Apbdx gspgmjtgsbgmj obexeopdxgspgos exd; bgjbdx gmog`dmods

an tsgmj amcgmd xdsatxods nax laxpjejd xdsdexob9 bgjbdx

tsd an lahgcd `d~gods9 em`# bgjbdx tsd an saogec ld`ge#

ecc ma `athp xdcepd` pa pbdgx watmjdx ejd-

Es mapd`# pbdw svdm` laxd pgld `agmj laxpjejd

xdsdexob- Bazd~dx# pbdw ndcp cdss oamng`dmp pbem apbdx

laxpjejd oamstldxs ehatp tm`dxspem`gmj pbd glveop an

gmpdxdsp xepd gmoxdesds em` pbd lax pjejd `dogsgam gpsdcn-

Ejegm# pbdsd ngm`gmjs xdgmnaxod pbd avvaxptmgpw nax

laxpjejd vxandssgamecs em` apbdxs pa svdm` pgld gmoxdesgmj

pbd imazcd`jd em` pbts pbd oamng`dmod cd~dcs an n gxsp pgld

htwdxs pbxatjb ~exgats n gmemogec cgpdxeow eopg~gpgds-

NG GL Ht @GNN NL B Le OtL e@ Be~

L tGUt @

55


12/12

x

8658 Oemeè Laxpjejd em` Batsgmj Oaxvaxepgam- Ecc xgjbps x dsdx~d`- Pbgs vxdsdmpepgam lepdxgec gs pbd vxavdx pw an Oemeè Laxpjejd em` Batsgmj Oaxvaxepgam- Pbgs vxdsdmpepgam

lepdxgec lew map hd xdvxa`tod`# oavgd`# ax `gspxghtpd`# gm zbacd ax gm vexp# gm emw naxl# zgpbatp pbd vxgax zxgppdm vdxlgssgam an Oemeè Lax pjejd em` Batsgmj Oaxvaxepgam-

Pbd gmnaxlepgam# emecwsds# em` avgmgams oampegmd` gm pbgs vxdsdmpepgam lepdxgec exd hesd` am ~exgats satxods hdcgd~d` xdcgehcd# htp pbdgx eootxeow# oalvcdpdmdss# em` otxxdmow oemmap hd

jtexempdd`- Pbgs vxdsdmpepgam lepdx gec gs map gmpdm`d` pa vxa~g`d svdogngo e`~god ax xdoalldmèpgams nax emw gm`g~g`tec ax dmpgpw# em` sbatc` map hd xdcgd` tvam gm pbep xdjex`- Mdgpbdx

OLBO max gps dlvcawdds# ejdmps # em` e`~gsaxs sbecc be~d emw cgehgcgpw nax eopgams ax `dogsgams peidm hesd` gm zbacd ax gm vexp am emw gmnaxlepgam ax emecwsgs gm pbgs vx dsdmpepgam lepdxgec->:>8?

5>

64

58

zzz-olbo-o!8658sxdw

OLBO anndxs e mtlhdx an amcgmd paacs em` e zg`d ~exgdpw an batsgmj gmnaxlepgam pa stvvaxp Oeme`gems gm

leigmj gmnaxld` em` xdsvamsghcd baldhtwgmj `dogsgams es pbdw vtxstd pbdgx batsgmj mdd`s- Eoodss emw an pbdsd

xdsatxods paèw em` hxazsd pbxatjb pbd zdecpb an laxpjejd em` batsgmj gmnaxlepgam `d~dcavd` svdogngoeccwzgpb wat em` watx ocgdmps gm lgm`-

olbo-o

^gsgp olbo-o em` eoodss e zdecpb an batsgmj

gmnaxlepgam- Zbdpbdx watx ocgdmps exd caaigmj

nax gmnaxlepgam am baldhtwgmj# legmpdmemod#

ax xdma~epgam , gps ecc ep watx `gsvasec ep pbd

ocgoi an e htppam%

olbo-o!mdzoaldxs

Exd watx ocgdmps mdz pa Oemeè1 ^gsgp

olbo-o!mdzoaldxs em` leid stxd pbdwxd zdcc

gmnaxld` hw vxa~g`gmj pbdl zgpb xdcd~emp batsgmj

gmnaxlepgam gm pbdgx azm mepg~d cemjtejd%

2012 CMHC Mortgage Consumer Survey 2012

Documents

Transcript of 2012 CMHC Mortgage Consumer Survey 2012