FACTORS AFFECTING COMMERCIAL BANKS’ HOME LOAN IN THE EASTERN AREA OF THAILAND

Abstract

         This research aims to 1) study details of home loan applicants who are approved by commercial banks in the eastern area of Thailand, 2) study home lone credit line approved by commercial banks in the eastern area of Thailand, and 3) study factors affecting commercial banks’ home loan in the eastern area of Thailand. Secondary data approach was used in this research and sample size was 400 applicants. Details of the applicants include age, gender, owner, marital status, child number, career, partner, income, capital, collateral, and condition. Statistics employed in this research were mean, maximum, minimum, standard deviation, multicollinearity, and multiple regression.
          The research’s results were as follow:
          1. Most home loan applicants in the eastern area of Thailand are female; 38 years old on average; married; have no children; company employees, have a freehold, and have a co-borrower. Moreover, they earn more than 50,000 Baht; have burden-free property; have a townhouse as collateral; and the purpose of borrowing is to refurbish their home.
         2. Home loan credit limit approved is 1,702,200 Baht per applicant on average.
         3. Age, career, partner, income, capital, collateral and condition have affect commercial banks’ home loan in the eastern area of Thailand with .05 statistically significant level.