Abstract:
The customersdecision process of applying home loans from the Government Savings Bank (GSB) in Nongkhai has an objective to understand the customers decision regarding the loan conditions for housing from the Government Savings Bank in Nongkhai and their opinions on loan services from the GSB from perspective of different demographic characteristics. The study method used questionnaire to collect data from a sample of 400 credit applicants from GSB in Nongkhai. It was a descriptive statistical analysis, presented in tables of frequency and average and testing the hypothesis employed the t-test and F-test statistics. Most of the respondents were women, aged 51-60 years, married, had masters degrees, worked at state enterprises, had own monthly income in the rang of 10,001-20,000 baht, had family monthly income in the range 40,001-50,000 baht, and had family monthly expenditures in the range 20,001-25,000 baht. Factors that influence the loan application were high, namely the highest average score went to the amount of loan approval, followed by the housing loan rates, the monthly installments and the housing loan services of the credit officers, respectively. Testing of the hypotheses revealed that different characteristics of customers had impacts on the customers decision for housing loan application of customers, with the statistical significance level at .05