Mortgage and housing credit trends using comparative analysis of factors affecting bank selection: An application in Ankara region

Study in terms of housing finance has an important place in the worldof mortgage financing and Turkey were examined in the development,implementation and differences are summarized in terms of legalinfrastructure. Also tend to use a mortgage loan in the Ankara region and thefactors affecting consumers' bank selection in comparative analysis is made.Work consists of four parts. The first section of housing, housing finance,housing finance systems are discussed. The second section, the housingfinance system in the structure and functioning of mortgage finance isavailable. In the third section, the housing problem in the context of ourcountry, so the government policies, the general structure of mortgagefinancing and legal infrastructure, the functioning of the system and find outthe products. Working in the fourth section; survey conducted by the Ankararegion using mortgage trend and statistical analysis of the factors affectingbank selection in a study were put in place.Working according to the customer in terms of preferred bank the mostimportant factor in the interest rate factor is housing loans used to considerthe most important factor of the monthly payment amount is, housing loansand buy houses in the most important reason in the real estate valueincrease is higher, the banks in terms of credit demand in the evaluation oftaking into account the factors to use credit in the customer's bank accountand credit performance of loans, income amount and stability of the bankingsystem and intelligence reports that the banks in terms of residentialmortgages will offer customers the value of other guarantees are given moreimportance has been determined.