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    Knowledge and reported behavior towards banking home loans in a sample of Turkish consumers
    (Common Ground Research Networks, 2014) Günay, G.; Savas, B.; Günes, H.; Bener, Ö.
    The main purpose of this study was to investigate consumers' knowledge and behaviour towards using home loans. In recent years, the home loans market in Turkey has experienced great development. Especially the developments in economic structure of the country, banking sectors providing these services that encourage consumers to purchase houses; such developments have facilitated the use of home loans by consumers recently. Participations of this study consist of consumers who are getting loans, home loans, or are thinking about getting home loans in Karabuk city in Turkey. The sample size is determined by using the simple random sampling method (N=414). Results stated that 84.1 percent of the consumers used home loans. Among the consumers who use home loans (n=359) payback period average is found to be around 8 years. 51.7% of the participation has determined that using home loans decisions are made with their family members. According to the results of the study, it was found that the factors that affect the use of home loans average were high degree (4.5±0.5). 79.5% of the consumers stated that they go to banks to get information about home loans while 46.1% of them use the internet to be informed. The result of hierarchical multiple regression analysis revealed that demographic characteristic (education, income and job), and attitudes towards home loans and financial management behaviour were important predictors of consumers' behaviour and knowledge towards using home loans. Based on these findings some recommendations are made. This paper may be beneficial to consumers, policymakers , and consumer educators in their study of strategies for improving the roles of consumers in protection of the consumers and their sustainable rights. © Common Ground, Gülay Günay, Burcu Savaş, Hidayet Güneş, Özgün Bener All Rights Reserved