Název: A Note on Optimal Value of Loans
Autoři: Kaňková, Vlasta
Typ dokumentu: Příspěvky z konference
Konference/Akce: MME 2016. International Conference Mathematical Methods in Economics /34./, Liberec (CZ), 2016-09-06 / 2016-09-09
Rok: 2016
Jazyk: eng
Abstrakt: People try to gain (in the last decades) own residence (a flat or a little house). Since young people do not posses necessary financial resources, bank sector offers them a mortgage. Of course, the aim of any bank is to profit from such a transaction. Therefore, according to their possibilities, the banks employ excellent experts to analyze the financial situation of potenitial clients. Consequently, the banks know what could be a maximal size of the loan (in dependence on the debtor's position, salary and age) and what is reasonable size of installments. The aim of this contribution is to analyze the situation from the second size. In particular, the aim is to investgate the possibilities of the debtors not only on the dependence on their present - day situation, but also on their future private and subjective decisions and on possible “unpleasant” events. Moreover, consequently according to these indexes, the aim of this contribution is to suggest a method for a recognition of a “safe” loan and simultaneously to offer tactics to state a suitable environment for future time.The stochastic programming theory will be employed to it.
Klíčová slova: debtor; installments; Loan; multistage stochastic programming
Číslo projektu: GA15-10331S (CEP)
Poskytovatel projektu: GA ČR
Zdrojový dokument: 34th International Conference Mathematical Methods in Economics, ISBN 978-80-7494-296-9

Instituce: Ústav teorie informace a automatizace AV ČR (web)
Informace o dostupnosti dokumentu: Dokument je dostupný na externích webových stránkách.
Externí umístění souboru: http://library.utia.cas.cz/separaty/2019/E/kankova-0507392.pdf
Původní záznam: http://hdl.handle.net/11104/0298680

Trvalý odkaz NUŠL: http://www.nusl.cz/ntk/nusl-399090


Záznam je zařazen do těchto sbírek:
Věda a výzkum > AV ČR > Ústav teorie informace a automatizace
Konferenční materiály > Příspěvky z konference