Doan, Thi Diep Uyen, et al. “Service Quality of Mortgage Real Estate, Consumer Loan Intention, Buying Behavior of Luxury Apartments, Personal Credit at Vietnamese Commercial Banks”. CENTRAL ASIA AND THE CAUCASUS, vol. 22, no. 5, Oct. 2021, pp. 1302-30, https://ca-c.org/CAC/index.php/cac/article/view/990.