The Study of the Determinants of Prepayment on Mortgage Loans

• Main Authors: Yu-chih Hsu, 許玉枝
• Other Authors: Chih-Hsing Hung
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/15162086330614973147

碩士 === 朝陽科技大學 === 財務金融系碩士班 === 99 === Abstract I hope to use numerous mortgage characteristics, and use logic regression model to analyze personal mortgage data offered by 5 branches of bank. The propose of this research is to give suggestion to reveal customers’ loyalty and credibility truly, thus decrease average cost and other expense, and increase industry’s risk bearing capacity. The significance to give that kind of research outcome will be obvious for financial industry. In this paper, I research the cases of mortgage branches of a bank located in central Taiwan, the cases are containing individual purchase of residence and mortgage containing home repair, mainly from 20003 to2007, including the one who has not and have paid off the household ahead of time. All the above 1210 cases are approved, filed, and give loan. The outcome of logic regression model in this research reveals the following elements will influence the behavior of customer whether they have paid off the household ahead of time. They are age, marriage, degree, occupation, revenue, the rate quality, the age of home, income ratio of sale prices, the classes of buildings. Keyword: mortgage loan、repayment、logic regression model