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Evaluation of investment oportunities in the real estate market
Kohnová, Michala ; Sieber, Patrik (advisor) ; Zekov, Dimitar (referee)
This thesis contents the evaluation of the different investment oportunities and their risks in the real estate field against the macroeconomic area of the Czech Republic and the current financial crisis (speculative purchase of lands, comercial real estate, residential real estate). The actual situation on the real estate market is described with the help of the statistic data of the current building-up, average prices, interest rates etc. It is targeted on the particular risks, which can appear during the development proces. To each risk is described the instruction how can we handle them. At the end of the theoretical part are specified the singles financial indicators which are most used practically. In the practical part evaluate we the concrete investment oportunity in the residential build-up from the view of developer.
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Mortgage loans in the Czech republic
Königová, Jaroslava ; Kislingerová, Eva (advisor) ; Smrčka, Luboš (referee)
The thesis summarizes the situation on mortgage market in the Czech republic from the 90th of the 20th century till present time, reasons for the mortgage boom. It informs about the state support of housing (incentives, state programmes), state residential conception.It defines kinds of morgage and gives its characteristics, informes about the phases of mortgage arrangement, scoring method for client evaluation and regulative standards for bank risk management. It shows housing and mortgage in statistics.There are mentioned the actual results of financial competition and influence of American mortgage crisis on the Czech mortgage market.In conclusion,it states the trends in the Czech mortgage market.
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The mortgage crisis in the USA
Oslanec, Roman ; Šaroch, Stanislav (advisor) ; Bič, Josef (referee)
This bachelor thesis focuses on a problem of a mortgage crisis present in USA. It presents main problems connected with the current crisis situation at the mortgage market through standards of issuing new mortgages i.e. prime and subprime. It attempts to get closer look at the process of issuing the mortgages and tries analyze the conditions which have led to improper work of the system. Thesis deals also with the questions of appraisal and his/her appraisal standards. These eased appraisal standards of real estates could be considered also as one of the causes of current mortgage crisis. In the end, american companies Fannie Mae and Freddie Mac are presented with their history and current status. To sum up, this bachelor thesis attempts to grant a look at the conditions of both the mortgage and the real estate market and tries to analyze the causes and reasons which led to the contemporary crisis.
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