Crédito imobiliário na região de Ivinhema/MS: fatores de influência na escolha do financiamento habitacional na modalidade de aquisição de terreno e construção

Abstract

The economic and financial growth of Brazil currently has brought positive effects to the population and financial institutions. The increase in resources available to consumers and enabling benefits to the granting of mortgages allow an increase in demand for housing finance, allowing the customer the dream of home ownership. For these features, the purpose of this study is to identify the factors that influence consumers in the cities of Ivinhema / MS and region to opt for housing finance in the form land acquisition and construction, through a survey of applicants and housing loans borrowers, using as theoretical basis the consumer behavior literature. 45 completed questionnaires were obtained from a population of 92 proponents of housing financing in the form of acquisition of land and construction, noting that among the answers, there is a great influence of all the factors, be they cultural, social, personal and psychological in the decision making of the respondents, as well as confirmation that the housing finance can be seen as an excessive demand, which arises from the identification of the human being of his need for a place to live, and that goes for all the stages of decision making in the consumer purchase process.