Fastighetslån: En enkätstudie angående valet av kreditinstitution för ett fastighetslån
Independent thesis Advanced level (professional degree), 20 credits / 30 HE creditsStudent thesis
Buying a piece of real estate is a very important decision. A real estate loan from a credit institution or a bank is a common way of financing such a purchase. The real estate loan in this study is defined as a product that consists of or is connected to service activities. Just as the credit institutions have demands and requirements on the loan applicants can those that apply also have certain demands and requirements that need to be fulfilled in order for the to be satisfied. This gives the customers an opportunity to “shop around” for the credit institution that offers the best deal regarding interest rates, level of service and/or terms of the loan agreement. The challenge for credit institutions becomes to distinguish themselves in a business where the difference between the product and the services are very slight. The purpose of this study is to analyze the consumers’ selection of credit institution from which to acquire a real estate loan. A qualitative pre-study was made for this study in the form of interviews. These acted as the foundation for the main research method of the study, a quantitative survey study. The choice of method was based on the desire to investigate the behavior of a large group. Customers generally acquire real estate loans from a credit institution that has a friendly image and is attentive to the needs of the customers. The behavior of personnel is particularly important since the customers demand and has expectations on the way service personnel should act. The financial attributes of the loan, the ability of the credit institution to convey financial advice and their accessibility are also important factors for the selection of credit institution. The positive effect created when these elements are combined is significant.
Place, publisher, year, edition, pages
2011. , 85 p.
Social Behaviour Law
Samhälls-, beteendevetenskap, juridik, marknadsföring, fastighetslån, kreditinstitut, konsumentbeteende, image, service, lånevillkor
IdentifiersURN: urn:nbn:se:ltu:diva-52839Local ID: 9eddad00-4eed-40b2-9a37-549fd7dd3effOAI: oai:DiVA.org:ltu-52839DiVA: diva2:1026211
Subject / course
Student thesis, at least 30 credits
Industrial and Management Engineering, master's level
Validerat; 20110612 (anonymous)2016-10-042016-10-04Bibliographically approved