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Fulfilling EU Convergence Criteria by the Czech Republic
Vrba, Václav ; Hrdlička, Pavel (advisor) ; Burian, Stanislav (referee)
The bachelor thesis deals fulfilment of convergence criteria by the Czech Republic. These criteria must be observed in a long-term period to enter to monetary union and adopt euro as a new national currency of the Czech Republic. The thesis is divided into three parts. In the first part is chronological description of European integration, new common currency euro and institutions associated with euro. Shows scenario of the Czech republic for euro adoption. In second part is description of Convergence (Maastricht) criteria in details. Last part deals with analyze of fulfillment these criteria by the Czech Republic. In conclusion is to find a summary of key facts and knowledge mentioned in the thesis. And also evaluation if the Czech Republick is ready to integrate to the Economic and Monetary Union.
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The analysis of credit options to purchase housing
Kosová, Veronika ; Gebeltová, Zdeňka (advisor) ; Malec, Karel (referee)
The Bachelor's thesis deals with the analysis of financial resources to purchase property for housing in the Czech Republic. The analysis is applied to four model situations which each client representing various segments of society with different incomes, costs of living and different age. All model situations have the same investment intention. Key information about clients were entered into the bank software calculators for a rough calculation of the client's creditworthiness. Based on the outputs of the calculators, the bank offers of mortgage loans were processed for the clients (if the client appeared to be sufficiently creditworthy). The results of model situations depend on the methodology for calculating the creditworthiness of each bank and on specific requirements of banks. The resulting interest rate may vary depending on the loyalty programs of banks and other competitive tactics. From offers of mortgage loans was selected for each client offer with the lowest interest rate, lowest costs bound to the establishment of loan and a satisfactory length of the loan.
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Statistical analysis of the market for building savings in the Czech Republic and its perspectives
Poslušná, Aneta ; Prášilová, Marie (advisor) ; Dlubalová, Zuzana (referee)
The subject of the thesis is an analysis the current state of building savings in the Czech Republic and its development in years from 2006 to 2014. In the theoretical part this thesis has general characteristic building savings and basic concepts associated with its. In the practical part this thesis analyses indicators of progress building savings using elemental characteristics of time serie. They are the number of new building savings contracts, contracts in the savings phase, the number of loans, the average target amount for new contracts, the accumulated amount, the proportion of total loans to saved amount and the average state support. Prediction of these indicators in 2017 is calculated using analytical settlement non - periodic time series and then suggestions and recommendations are found for better status of building savings on the market for financial products.
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Economic evaluation of expediency of housing
Lišková, Soňa ; Bartošová, Hana (referee) ; Kocourková, Gabriela (advisor)
The work is aimed to define financial aspect of living, which is determined mainly for young people. The work is especially focused on collecting sources to fund the building of a house for family. The result will be built in Vrádište, Slovakia. The informations and materials will be obtained from Slovak sources. At the next part it'll be comparised with sources from Czech Republic. The aim of the work is to decide on specific pair of young people if they will be able to fund their own construction of house and from which sources of finance. There will be represented examples for financing and following evaluation of the cost linked within.
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The Creditworthiness of the Client in the Non-banking Entity
Kindl, Tomáš ; MBA, Přemysl Kučera, (referee) ; Ptáček, Roman (advisor)
The topic of the bachelor thesis is lending to individuals with non-banks in the current situation of the Czech Republic. It focuses primarily on the assessment system of individuals nonbank companies and determining the creditworthiness of individuals and conditions of cash loans for existing and new clients. The comparison is made on the basis of analysis of the client's choice nonbank companies.
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Appraisal of the development of interest rates and exchange rates for selected countries
DRAHOŠOVÁ, Zuzana
In the beginning this thesis deals with the theory of the exchange rate, its quotations, significance of its economic effect and ultimately the parity rate of interest, which is divided into a covered and an uncovered interest parity. It is followed by the methodology, which includes formulas and procedures used to achieve the aim. The most important part is the practical part, which deals with the general presentation of selected countries (Czech Republic, Republic of Poland, Hungary, Republic of Croatia and Romania) in terms of significant macroeconomic indicators and also shows the development of the exchange rates and interest rates in those countries. Subsequently, the thesis focuses on the verification of the uncovered interest parity by means of a graphical analysis, a regression analysis and a paired t-test. In view of results of these methods the conclusion was reached, that the theory has not been proven. The last two chapters describe the differences between the results of the selected countries and the possible reasons for the failure of the uncovered interest rate parity.
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An Impact of Financial Crisis on Corporate Lending
Frech, Petr ; Stryczková, Květoslava (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis is concerning of an financial crisis and its impacts to credit conditions of company loaning. In teoretical part there are basic knowledge of loans, interest rates and description of actual financial crisis. In practical part there is progress of interest rates and credit conditions. Result of this bachelor thesis is interpretation of an impact financial crisis on corporate loaning and recommendation for companies.
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Housing Finance through a Combination of Mortgage and Investment
Richter, Jan ; Uchytil, Petr (referee) ; Ptáček, Roman (advisor)
This thesis deals with the financing of private housing in the Czech Republic and in it compared mortgages to specific examples. It explains how it is possible for a timely investment to save on interest and thus also to repay the loan sooner. Equally important is the explanation of how the applicant is to be ensured that in case of risk did not come on the property. The aim is to show prospective borrowers, how can ideally do to all of the above was successful.
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Suggestion of the Own Housing Financing
Plháková, Dana ; MBA, Miroslav Loup, (referee) ; Škapa, Stanislav (advisor)
This thesis focuses on the possibilities of financing homeowners in the Czech Republic. It specifically analyzes use of mortgage loans and home building savings. It also accounts for the possibility of rental housing, which can help resolve the current need in the housing market. One of the modeled options analyzed in this thesis is a gradual low cost construction of one's own resources, self-help or reconstruction.
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