Financial behavior and demographic factors on mortgage decisions

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dc.authorscopusid39261303100
dc.contributor.authorDemirel E.
dc.date.accessioned2024-06-12T10:29:09Z
dc.date.available2024-06-12T10:29:09Z
dc.date.issued2011
dc.description.abstractThe purpose of this study is to analyze the effects of mortgage decisions of bank customers in Turkey, based on the demographic and financial behavior factors. Distresses of credit specifications, house specifications, savings and investment decisions, potential increase on house value forecast, rent income, and credit card usage investigated under financial behavior circumstances for mortgage use. Changes in credit specifications mainly affect the bank clients (private sector employees) who have 4000 TL monthly payment capability and over, three or more house owners, also clients who are already in use of mortgage credit. Another finding indicates that when monthly payment capability increases to the range of 2001-4000 TL saving level, investment decisions are less affective on mortgage credit selection. Private company workers are more sensitive on savings and investment decisions and their mortgage decisions are mainly affected by rent income potential rather than public company employees. Another finding of the study is that the house specifications are not crucial factor for mortgage decisions in Turkey. © EuroJournals Publishing, Inc. 2011.en_US
dc.identifier.endpage217en_US
dc.identifier.issn1450-2887
dc.identifier.scopus2-s2.0-80053162730en_US
dc.identifier.scopusqualityN/Aen_US
dc.identifier.startpage207en_US
dc.identifier.urihttps://hdl.handle.net/20.500.14551/17611
dc.identifier.volume74en_US
dc.indekslendigikaynakScopusen_US
dc.language.isoenen_US
dc.relation.ispartofInternational Research Journal of Finance and Economicsen_US
dc.relation.publicationcategoryMakale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanıen_US
dc.rightsinfo:eu-repo/semantics/closedAccessen_US
dc.subjectDecision Factors; Financial Behavior; Mortgage Creditsen_US
dc.titleFinancial behavior and demographic factors on mortgage decisionsen_US
dc.typeArticleen_US

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