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Mortgage market in the Czech Republic
KOUBÍKOVÁ, Karolína
The topic of this bachelor thesis is the mortgage market in the Czech Republic. The aim of this thesis is to analyse the development of the mortgage market and to compare the offers of mortgage lenders in the Czech Republic. The thesis traces the historical development of mortgage banking from its beginnings to the present day, and also characterises the current mortgage market in the country, interest rates, fees and the legislative framework. The practical part of the thesis analyses in detail four model examples, based on the offers of three mortgage lenders. These offers are compared on the basis of predefined criteria, which are the interest rate, monthly premium, one-off fees, prepayment fee and maximum amount of funds grant-ed. The comparison is made using the simple sum-of-the-ranks method. The results of the analysis will determine the best bank that provided the most advantageous mortgage loan.
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Proposal to Improve the Using Optimization Tasks in Banking
Holobrádek, Michal ; Špatenka, Jan (referee) ; Luhan, Jan (advisor)
This diploma thesis deals with the use of optimization tasks in the conditions of a selected banking institution. The thesis describes the theoretical background for the development of the thesis, analysis of the current situation in the selected company with a focus on the approval process for applications for credit products. The design of the thesis includes testing the internal environment of the company designed for optimization tasks used in the approval process.
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Suggestion of the Optimalization of the Own Housing Financing
Hulewiczová, Monika ; Brauner, Roman (referee) ; Škapa, Stanislav (advisor)
The bachelor's thesis is focused on the problem of optimizing the financing of housing. It analyzes the current real estate market and the development of the mortgage market. It also discusses aspects of the reviewing the effectiveness of the financial product. The practical section evaluates the criteria by which people follow in the selection of a financial product, and other factors that affect this decision. It also includes a model example of the chosen mode of financing of housing, which is concluded with the proposal for optimization.
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Optimization of housing finance
Burianová, Denisa ; Krejza, Zdeněk (referee) ; Kocourková, Gabriela (advisor)
The bachelor´s thesis concerns with options of personal housing financing. The goal of the thesis is to define the mortgage loan, loan from building savings and other options in housing financing. The specific flat is used as a model housing financing. In following part of the thesis there are compared individual bank proposals of mortgage loans for an imaginary client. In the end the optimal option of the housing financing is chosen.
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Suggestion of Financing of a Housing by Estate Agency´s Clients
Máčková, Zuzana ; Grmela, Jan (referee) ; Zeman, Václav (advisor)
The thesis mainly deals with the most important financial products at real estate market. The first part deals with certain types of mortgage loan, its collateral, process for execution and fees for processing, maturity and possibility of maturity the mortgage loan. It also includes the issue of building savings, its functions, purpose, minimal time of savings, interest rates and eventually also loan from building savings. The second part focuses on the offer of mortgage loans, building savings and subsequent comparison of these products on model example.
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Methodical Procedure for Transferring Membership Rights and Obligations in a Cooperative Flat
Kellnerová, Gabriela ; Gardášová, Alena (referee) ; Komosná, Milada (advisor)
The thesis deals with the issue of co-operative ownership of immovable property and the specifics of its financing through a mortgage loan. The first part of the thesis contains an explanation of basic terms concerning housing cooperatives, mortgage loans and the overall process of purchase and financing of immovable property. The second part of the thesis then evaluates the optimal financing of a particular cooperative apartment, taking into account the risks associated with it. The conclusion of the thesis contains recommendations for reducing the analyzed risks, both from the perspective of the applicant and from the perspective of the bank.
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Proposal of Effecive Financing of Flat-building by means of Mortage Loans
Lemon, David ; Pikola, Tomáš (referee) ; Zeman, Václav (advisor)
The object of my thesis work called "Suggestion of an effective financing of Flat-building by means of mortgage" is to compare possible investment, choosing an optimal alternative and propose potential changes in a specific mortgage already offered by a bank. It is analyzing particular products for financing rent-destined real property on the Czech market and realization study, which also includes client demands. We are focusing on theoretical and practical information that are contributing to high effectiveness and customer adjustment of offered services.
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