• Int J Psychol · Apr 2008

    Comparative Study

    Locus of control and home mortgage loan behaviour.

    • Mingji Wang, Hong Chen, and Lei Wang.
    • Department of Psychology,, Peking University, Beijing, China. leiwang@pku.edu.cn
    • Int J Psychol. 2008 Apr 1; 43 (2): 125-9.

    AbstractThe present study investigated the impact of locus of control on home mortgage loan behaviours. The results showed that participants with stronger external control were more likely to purchase a lower priced home, have a lower ratio of mortgage loan amount to the total home value, and have a shorter term of mortgage loan. Moreover, among participants who have owned a home, those not using mortgage loans showed more external control than those using mortgage loans; among participants who have not owned a home but want to buy a home, those not planning to use mortgage loans showed more external control than those planning to use mortgage loans.

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