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Original title:
A Note on Optimal Value of Loans
Authors: Kaňková, Vlasta
Document type: Papers
Conference/Event: MME 2016. International Conference Mathematical Methods in Economics /34./, Liberec (CZ), 2016-09-06 / 2016-09-09
Year: 2016
Language: eng
Abstract: 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.
Keywords: debtor; installments; Loan; multistage stochastic programming
Project no.: GA15-10331S (CEP)
Funding provider: GA ČR
Host item entry: 34th International Conference Mathematical Methods in Economics, ISBN 978-80-7494-296-9
Institution: Institute of Information Theory and Automation AS ČR (web)
Document availability information: Fulltext is available at external website.
External URL: http://library.utia.cas.cz/separaty/2019/E/kankova-0507392.pdf
Original record: http://hdl.handle.net/11104/0298680
Permalink: http://www.nusl.cz/ntk/nusl-399090
The record appears in these collections:
Research > Institutes ASCR > Institute of Information Theory and Automation
Conference materials > Papers
Authors: Kaňková, Vlasta
Document type: Papers
Conference/Event: MME 2016. International Conference Mathematical Methods in Economics /34./, Liberec (CZ), 2016-09-06 / 2016-09-09
Year: 2016
Language: eng
Abstract: 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.
Keywords: debtor; installments; Loan; multistage stochastic programming
Project no.: GA15-10331S (CEP)
Funding provider: GA ČR
Host item entry: 34th International Conference Mathematical Methods in Economics, ISBN 978-80-7494-296-9
Institution: Institute of Information Theory and Automation AS ČR (web)
Document availability information: Fulltext is available at external website.
External URL: http://library.utia.cas.cz/separaty/2019/E/kankova-0507392.pdf
Original record: http://hdl.handle.net/11104/0298680
Permalink: http://www.nusl.cz/ntk/nusl-399090
The record appears in these collections:
Research > Institutes ASCR > Institute of Information Theory and Automation
Conference materials > Papers
Record created 2019-08-26, last modified 2022-09-29