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Choosing a housing financing product
ZACHOVÁ, Miluše
The topic of my thesis is Product selection for housing financing. I chose this topic because it is thematically closest to me at the moment. The first part of the thesis is the theoretical part. This part will mainly deal with defining all the products that are suitable for financing housing. Specifically, the thesis will describe building savings, mortgage loans, consumer loans, government loans for young people, financing through own savings and financing through an American mortgage. Furthermore, the advantages and disadvantages of individual products will be written down here. In the penultimate part of the diploma thesis, the offers of the five largest banks on the Czech market will be selected. The parameters of individual offers will be written down and compared with each other in terms of several criteria. The last part of the theoretical part of the thesis will be dedicated only to the topic of multi-criteria decision making. Specifically, the basics of understanding the multi-criteria evaluation of variants will be described here. The scoring method and the weight distribution method will also be defined here in more detail. The last part of the thesis will be devoted only to the practical part. The practical part of the thesis will use the data obtained from the theoretical part. In the practical part, scoring methods and methods of gradual decomposition of weights will be used to obtain the weights of individual criteria. The final ranking of banks' offers will also be determined based on the scoring method. In the practical part, two respondents will also be approached for the reason that a different point of view than my subjective one will be brought into the diploma thesis. In the last part of the thesis, a general methodology for choosing a mortgage loan from a bank will be written, which will offer the best possible conditions for the client. At the end, there will be a written discussion containing the positives and negatives of the performed procedures. The aim of the thesis is to select the product that will be the most advantageous for real estate financing. The main task of the thesis will therefore be to find the currently most advantageous product, consider its positives and negatives and propose a general methodology for selecting this product. The last task will be to discuss the advantages and disadvantages of the proposed procedures and possibly suggest other and more appropriate procedures for choosing the most suitable product for real estate financing.
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