Li m u. Kinh t kh khn Thng tin BS: Bong bng BS n, Th trng BS ng bang. BS nh hng ln ti XH -> NC cc yu t tc ng ti TT BS ti VN t 2008 n nay.

2.1 tng quan v th trng kinh t KH KHN : kinh t kh khan -> lm pht cao gy kh khan-> Cung BS bn kh khn -> cu mua nh kh khn -> vay mn tin t ngn hng kh khn . 2.2. M hnh NC cc yu t nh hng ti th trg BDS 1. 2. 3. 4. Cc yu t t nhin Cc yu t kinh t Cc yu t chnh tr - php l Cc yu t x hi

2.3.4: a hnh BS a hnh l c im hnh dng ca khu t, trong mi quan h vi cc yu t khc ( song ni, ng giao thng). -> a hnh rt quan trng. Tn t nh trn phi r thng , qui , chi ,i, him, vin -> 6 ci. Trong a l phong thu, ngi ta quan nim kh to ra hnh th, hnh th li dn kh chy theo t cao trnh c nc, t bng phng d xy nh.

2.3.5. Thun li v ri ro ca thin nhin Cc iu kin thin nhin bt li lm gim nhu cu BS ti nhng ni . Thin tai l iu ko ai mong mun bi vy lun c nhu cu tm n nhng ni t thin tai. It ngi mua t cc vng t ct nng nng -> gi thp. Ti nhng ni c khi hu mt m -> mua nhiu

2.4.2 Mt s tc ng gin tip n n th trng Bt ng sn 1 Chnh sch ti kha, tin t Chnh sch a ra nhm ci thin TT BS -> Thc t cha thc hin tt -> km hm s phc hi. Chnh sch ti kha, tin t tht cht -> gim vn u t

Cha nht qun trong qun l Cch thc qun l b my hnh chnh cha nht quan ri rc -> cn tr s pht trin ca BS H thng php lut v t ai nhiu k h -> Ko r rang. H thng hnh chnh Thc thi php lut cha nht qun-> ban hnh khung gi chng cho ca cc b Bt cp trong th tc hnh chnh Cng tc qun l bt cp : DN ko th th chp ti sn v ko c quy trnh ng k ti sn Giy t mi c quan khc nhau -> i giy khi i c quan Qun l chng cho -> thiu cng khai minh bch, tham nhng

Ch ti cha thit thc Cc bin php h tr a ra gii cu bt ng sn l tt -> nhng cha hot ng tri chy. Lut t ai c nhng biu hin tch cc, gi t gim nhiu -> cha c ch ti gip n nh gi. Nh nc ko nn coi khon v l mc tiu -> thay bng vic to iu kin thun li cho DN. Ngn hng c nhiu gi h tr -> kh khan trong vic xc nh i tng

2.61: Mt dn s Mt dn s l t l gia s ngi trn din tch t sinh sng (ngi/km2) Mt cao -> gia cao -> ngi tri thc cao Mt thp -> gi thp -> ngi lao ng.

2.6.2 Tc tng trng dn s Tng trng dn s l nhn t lm tng mi nhu cu ca x hi v theo cu v nh t tng ln. din tch cn nh t l thun vi quy m gia nh -> kt cu gia inh ( c thn , c con trng thnh ) -> tng cu nh .

2.6.3 Tnh trng vic lm Vic lm to ra thu nhp -> c tit kim mua nh. i tng c vic lm -> t ch ti chnh -> nng cao kh nng mua nh.

Chng 3 PPNC Tho lun nhm -> a ra thang o Kho st ln mt -> kim nh cronbach alpha, EFA -> a ra thang o chun Kho st ln 2 -> xy dng m hnh hi quy.-> lp bo co Mu : ti khu vc th c Xy dng thang o 1; Kim nh Cronbach alpha cc thang o t chun v tha mn iu kin > 0.6 2; Kim nh EFA cc h s ti cng tha iu kin > 0.5 Kt lun 1: thang o a ra tt, c th s dng cho NCTT. 3: Thu thp s liu tin hnh hi quy c kt qu nh ci bng trang 24, vi kim nh h s tng quan tha dk . Kt lun: M hnh phn nh tt thc t c th l 73.9% kim nh t-test tha iu kin . Kt lun cc bin tn ti phn nh c bin ph thuc l gi.