Credit and Collateral: Rising Denial Rates on Home Purchase Mortgage Applications, 2001-2011

Increasing population growth also contributes to the increasing need for homes or dwellings as basic human needs. Many ways people do to meet these needs, among others, by buying from someone else, building it yourself or by buying a house in a housing developer. Houses besides being a basic human need, it is also used as an indicator of one's success and as an asset for business development and an increase in the economic value of the owner. Prospective home buyers certainly have criteria that are considered in choosing a house. Many of the existing criteria are often followed by the availability of more than one choice of the house to be able to meet these criteria. Therefore, the writer tries to try to make a Decision Support System in a Home Purchase that will later help prospective home buyers in deciding which house to buy. The decision-making method used in this system is an analytical hierarchy process (AHP) as a form of decision-making model that is suitable for multi-criteria and multi-alternative problems with the main input being human perception. Combined with the Borda method which is one method of group decision making that can combine the results of perceptual analysis (the results of AHP analysis) from several decision makers. it is necessary to have a group decision-making technique (group decision support system). So that the resulting home purchase decision can be accepted by all decision makers (family). From the results of the calculation and voting process, House X was chosen with 9 votes. Keywords: Home Purchase, Analytical Hierarchy Process, Borda

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A Consumer Behavior and Lifestyle with the Interest of Buying As Mediation in Determining Home Purchase with Subsidy Credit in Jember

International Journal of Scientific Research and Management ◽

10.18535/ijsrm/v8i07.em04 ◽

2020 ◽

Vol 8 (07) ◽

pp. 1900-1911

Author(s):

Roro Wardhani ◽

Adhiimsyah Luthfi ◽

Andi Sularso ◽

Imam Suroso

Keyword(s):

Consumer Behavior ◽

Subsidized Housing ◽

Direct Influence ◽

Purchasing Decisions ◽

Government Programs ◽

Know How ◽

Indirect Influence ◽

Current Trends ◽

Home Purchase ◽

Consumer Tastes

The need for houses is almost never decreasing, this opportunity is exploited by developers to realize government programs related to meeting the needs of subsidized housing mortgages. Developers must be able to know how consumer tastes are changing every day in line with current trends, and it is a challenge for developers to be able to predict future demand. This understanding needs further investigation to find out how consumers consider everything before finally making a decision to buy. The purpose of this study was to analyze and determine the effect of consumer behavior and lifestyle on the interests and decisions of the purchase of subsidized KPR housing in Jember Regency. The sample in this study consumers from 10 developers in Jember were 150 respondents. The results of the analysis show that consumer behavior influences consumer buying interest in the purchase of subsidized housing mortgages, lifestyle influences consumer buying interest in home mortgages, consumer behavior influences consumer purchasing decisions in buying subsidized housing mortgages in Jember, lifestyle has a significant effect on purchasing decisions in buying subsidized housing mortgages in Jember, buying interest influences purchasing decisions in determining the purchase of subsidized housing mortgages in Jember, and based on the results of testing the direct and indirect influence of consumer behavior and lifestyle on purchasing decisions through interest, the results show that the direct influence of consumer behavior and the lifestyle of buying interest and purchasing decisions has a greater influence than indirect influence. Keywords: consumer behavior, lifestyle, buying interest and purchasing decisions.

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Young Renters’ Perception on Home Purchase and Financial Preparation: Focusing on Relationships with Consumption Propensity

Korean Journal of Human Ecology ◽

10.5934/kjhe.2021.30.5.877 ◽

2021 ◽

Vol 30 (5) ◽

pp. 877-892

Author(s):

Hyeju Lee ◽

Hyeontae Kim ◽

Hwihyun Lee ◽

Yoon-Seo Hwang ◽

Hyun-Jeong Lee

Keyword(s):

Financial Preparation ◽

Home Purchase

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Forecasting Demand for Paratransit Required by the Americans with Disabilities Act

Transportation Research Record Journal of the Transportation Research Board ◽

10.3141/1571-09 ◽

1997 ◽

Vol 1571 (1) ◽

pp. 67-74 ◽

Cited By ~ 6

Author(s):

David Koffman ◽

David Lewis

Keyword(s):

New York ◽

Americans With Disabilities Act ◽

Econometric Models ◽

Econometric Analysis ◽

Service Availability ◽

Cross Sectional ◽

Advantages And Disadvantages ◽

Denial Rates ◽

Levels Of Service ◽

Different Levels

Four techniques are described for forecasting the demand for paratransit required by the Americans with Disabilities Act (ADA): surveys, intuitive comparison with other systems, cross-sectional econometric analysis, and time-series econometric analysis. The application of these methods in Seattle and New York is described, illustrating the advantages and disadvantages of each method. The ADA leaves considerable room for localities to determine the level of trip denials that can be tolerated. The econometric models provide a quantitative forecast of the effects of different levels of service availability as measured by trip denial rates. It demonstrates that the importance of service availability varies among communities.

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