CUSTOMER PERCEPTION OF HOME LOAN IN YOMA BANK

This field study is to examine the factors that influence the Customer decision on demand of housing loan. Besides, the study also determines whether independent variables such as housing price, interest rate, taxation benefits and income level negatively or positively affect the customer decision on housing loan demand whether the model significantly explained the changes in housing loan demand and analyze the customer perception of home Loan in Yoma Bank. In this study, data collections were done with survey questions. Data collection was collected from 62 respondents (out of 100 respondents) who are taking home loan from Thanlyin Star City affordable housing project. Descriptive analysis summarized demographic information of respondent simplified what was the perception of respondent on how interest rate, housing price income level and taxation benefit effect demand of housing loan. The main objectives of the study are identified the products and services of home loan and examined the customer perception of home loan in Yoma Bank for housing development. The statement of the demand for home loan is very important in urban area. In accordance with this statement, people living in the urban area should have proper jobs opportunities followed by the increased income and thus would become home owners by utilizing home loan. According to this study, the annual income is the highest satisfaction level and tax benefit is the lowest. It can be suggested that the bank should pay advise and explain about tax benefit to the customers for their satisfaction