本文主要内容是关于抵押贷款的服务，从本研究的讨论和结果分析来看，通过改善客户的抵押借款流程，有机会为客户提供支持，让客户更好地了解情况。这完全掌握在抵押贷款经纪人的手中，因为他们是客户最初的援助之手(Saunders, 2003)。此外，约有三分之一的近期购房者没有货比三家购买其他抵押贷款报价，他们往往表示对自己最初的报价相当满意。以前的经验与抵押贷款经纪人不可能使抵押贷款未来从同一家公司。该行业的客户倾向于完全按照他们的推荐行事。这是本文确定的主要趋势之一。本篇代写文章由英国论文通AssignmentPass辅导网整理，供大家参考阅读。
From the perspective of this research discussion and results analysis, there exists an opportunity to support the customers and make them better informed by improving over their process of mortgage borrowing. This is completely in the hands of the mortgage brokers as they are the initial helping-hand to the customers (Saunders, 2003). Furthermore about third of recent homebuyers did not shop around for other mortgage quotes and they often reported to be satisfied with their initial quite. Prior experience with mortgage brokers did not make the mortgage likelihood in future from the same firm. Customers in the sector have a tendency to be completely acting on their referrals. This is one of the major trends identified in the paper.
All the findings in this paper are supported through secondary data research review. Most of the literature has focused on stating that mortgage brokers are essential for the customers because they have variety of options and services that they can offer (Amoako, 2012). It was also evident that mortgage brokers generally act as borrowing agents which communicate with their lender so as to provide a suitable option for loan to the consumer as per the customer’s goals’ and situation at hand financially. The primary research findings revealed that the loan information disclosure to the borrower along with acting in best faith through transparency is part of mortgage broker’s duties. This is in alignment with secondary literature research as indicated by Bachelor, (2014). Making false promises as per the respondents in the study were unethical and illegal on the part of mortgage broker and therefore at times their services may not be as useful for the customers as they should be (Bachelor, 2014).
However according to Green et al (2005), these false promises also have the capability of influencing the customer service quality that mortgage brokers provide and at times this causes businesses to severely face the consequence’s (negative brand image). It is evident from analysis and discussion presented in this section that mortgage brokers face several issues when providing effective information to the customer. Most of the times, these issues are related to either increasing their individual profit or trying to make the customer feel a particular mortgage option is at their best interest. Providing mortgage brokers with skills and appropriate training to the brokers will certainly add value not only to the customer satisfaction but as well to the organization’s image on the whole. Cheng Gong Credit Corporation should seek towards the recommendations offered in this paper in order to handle the experience of the customers.
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