Decision-Making Factors of Housing Mortgage Loan Service selection of the Siam Commercial Bank in Kalasin Province

Abstract

                 The research subject was the decision-making factors of housing mortgage loan service selection of the Siam Commercial Banks in Kalasin Province. The objectives of this research were 1. To study the decision-making factors of housing mortgage loan service selection of the Siam Commercial Banks in Kalasin Province, 2.  to compare the decision-making factors of housing mortgage loan service selection of the Siam Commercial Banks in Kalasin Province, classified by education, occupation, income, the population used in this study were People in Kalasin Province, numbering 18 districts, 135 sub-districts, 1,584 villages, 249,845 households, total population 979,394 people. By determining the sample size according to Taro Yamane's formula, 400 people were sampled. The statistics used in the analysis were percentage, mean, standard deviation, t-test, and F-test.

                 The results of the research were found that: 1. Decision-Making Factors of Housing Mortgage Loan Service selection of the Siam Commercial Bank in Kalasin Province. Overall and individual aspects were at a moderate level. When considering individual aspects. It was found that the aspect with the highest order was the credit marketing promotion aspect, followed by the credit service providers’ staff, and the least were the regulations of the provision of services aspect, respectively. 2.  The results of comparison of Decision-Making Factors of Housing Mortgage Loan Service selection of the Siam Commercial Bank in Kalasin Province, it was found that the overall level of education was not different, except for credit service providers and credit marketing promotion of Decision-Making Factors of Housing Mortgage loan Service selection of the Siam Commercial Bank in Kalasin Province. Classified by occupations were different, with all 5 occupation groups making different decisions in selecting the service. Decision-Making Factors of Housing Mortgage Loan Service selection of the Siam Commercial Bank in Kalasin Province.   Classified by income was different, with all 4 income groups making different decisions in selecting the service.