The Study of the Determinants of Prepayment on Mortgage Loans
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...
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ndltd-TW-099CYUT53040502015-10-13T20:22:51Z http://ndltd.ncl.edu.tw/handle/15162086330614973147 The Study of the Determinants of Prepayment on Mortgage Loans 房屋抵押貸款提前清償因素之探討 Yu-chih Hsu 許玉枝 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 Chih-Hsing Hung Chih-Hsing Hung 洪志興 陳建宏 2011 學位論文 ; thesis 70 zh-TW |
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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
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author2 |
Chih-Hsing Hung |
author_facet |
Chih-Hsing Hung Yu-chih Hsu 許玉枝 |
author |
Yu-chih Hsu 許玉枝 |
spellingShingle |
Yu-chih Hsu 許玉枝 The Study of the Determinants of Prepayment on Mortgage Loans |
author_sort |
Yu-chih Hsu |
title |
The Study of the Determinants of Prepayment on Mortgage Loans |
title_short |
The Study of the Determinants of Prepayment on Mortgage Loans |
title_full |
The Study of the Determinants of Prepayment on Mortgage Loans |
title_fullStr |
The Study of the Determinants of Prepayment on Mortgage Loans |
title_full_unstemmed |
The Study of the Determinants of Prepayment on Mortgage Loans |
title_sort |
study of the determinants of prepayment on mortgage loans |
publishDate |
2011 |
url |
http://ndltd.ncl.edu.tw/handle/15162086330614973147 |
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