دور المصرف العقاري في حل مشكلة السكن حسب مقياس رضا العملاء
Abstract
يتناول هذا البحث مساهمة المصرف العقاري في حل مشكلة السكن, و تسليط الضوء على أداء المصرف العقاري وقياس فاعلية المصرف من خلال رضا العملاء عن هذا الأداء وإذا كان بالفعل يغطي حاجتهم أم أنهم ما زالوا بحاجة إلى مصادر أخرى لتأمين الاستقرار السكني.
ومن أبرز النتائج التي تم الوصول إليها أنّ هناك حاجة فعلية لتقديم التمويل السكني وذلك من خلال المقارنة بين نصيب الفرد من الدخل القومي وسعر المسكن, وهناك مشكلة من ناحية التوافق بين قيمة القسط الشهري ودخل الفرد وسعر المسكن, وتبين من التحليل الإحصائي بان معظم أفراد العينة هم راضين إلى حد ما عن أداء المصرف العقاري كونه من أفضل أنواع القروض المتاحة من خلال المبلغ الإجمالي المقبوض وفترة السداد,ولكن من ناحية قيمة القسط فيعتبر عال نسبيا نسبة إلى متوسط نصيب الفرد من الدخل القومي على المستوى السنوي والشهري وان أكثر المؤثرات على اتخاذ العميل موقفه هو الضمان العالي للقرض, حيث انه يتوجب عليه تقديم دخله ودخل الكفلاء والمسكن كضمان.
This Research Deals With The Contribution Of The Real Estate Bank In Solving The Housing Problem, And Shedding Light On The Performance Of The Real Estate Bank And Measureing The Effectiveness Of The Bank Through Customer Satisfaction With This Performance, And Whether It Already Covers Their Needs Or Do They Still Need Other Sources To Secure Stable Housing. Among The Most Prominent Results That Have Been Accessed, There Is A Real Need To Provide Housing Finance By Compareing Per Capita Income With The Price Of House, There Is A Problem Of Compatibility In Terms Of The Value Of The Monthly Premium And Per Capita Income And The Price Of Housing. The Statistical Analysis Shows That Most Of The Respondents Are Partially Satisfied With The Performance Of The Real Estate Bank Because It Is One Of The Best Types Of Loans Available Through The Total Received Amount And The Repayment Period. But The Value Of The Premium Is Considered A Relatively High Proportion Of The Average Per Capita Income On The Annual And Monthly Levels And The Most Influences On The Customer's Position On His Decision Is A High Guaranteeing Of The Loan, That He Should Submit His Income, His Guarantor,S Incomes And The House As Guarantees.
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