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Mercato dei mutui per i consumatori: Una storia di confusione dei consumatori? by Sek Choo Tan

Mercato dei mutui per i consumatori: Una storia di confusione dei consumatori?

by Sek Choo Tan , Zunarni Kosim , Lip Sam Thi
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Book cover type: Paperback
  • ISBN13: 9786208545154
  • Binding: Paperback
  • Subject: N/A
  • Publisher: Edizioni Sapienza
  • Publisher Imprint: Edizioni Sapienza
  • Publication Date:
  • Pages: 60
  • Original Price: GBP 24.0
  • Language: Italian
  • Edition: N/A
  • Item Weight: 100 grams
  • BISAC Subject(s): Production & Operations Management

Lo studio si propone di indagare il comportamento di acquisto dei consumatori di mutui ipotecari e i fattori che influenzano la loro decisione di scegliere un mutuo abitativo in Malesia. Lo scopo è anche quello di verificare se i consumatori di mutui ipotecari sono ben tutelati dalla normativa vigente. Per raggiungere gli obiettivi, i dati sono stati raccolti tramite questionari. I questionari sono stati distribuiti ai consumatori di mutui ipotecari che hanno contratto il mutuo tra il 2007 e il 2011. I risultati mostrano che i consumatori scelgono il tasso di interesse o il tasso di profitto come fattore più importante. Tuttavia, il tasso di interesse o di profitto non è un fattore prioritario nel determinare i criteri di selezione del mutuo. La durata del prestito o del finanziamento è la loro prima priorità per i criteri di selezione del prestito o del finanziamento. La confusione dei consumatori è legata al livello del tasso di interesse, mentre il vero fattore determinante per l'ottenimento di un mutuo è l'accessibilità economica dei consumatori al servizio delle rate mensili. I promotori sembrano essere le fonti più importanti presso le quali i consumatori cercano informazioni relative alla scelta del mutuo. I risultati dimostrano che le informazioni fornite ai consumatori sono corrette, come richiesto dalla Bank Negara Malaysia.

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