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Availability of home ownership in Czech Republic
Váňa, Václav ; Poláková, Olga (advisor) ; Vebrová, Ludmila (referee)
The paper investigates some issues related to housing and its forms, such as property and rental housing, cooperative housing and illustrates their benefits and drawbacks. The main aim of this paper is a comparison of costliness of property housing in each county of Czech Republic and price availability of flat or rental house for income-average Czech family. Comparison, of all counties is processed according to nominal prices, loading rate housing expenditure and residual income This paper comes out from available data about average newly-built flat and family house dimensions and average price of these areas. There is included an analysis of income tendencies of average inhabitants of those premises in all counties over Czech Republic. The last part of bachelor thesis is dedicated to a comparison of financing housing expenses from mortgages and building savings, including positives and negatives concerning possibilities of housing financing.
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Housing Financing
Ha Hong, Quan ; Dvořák, Jiří (advisor) ; Pevná, Jana (referee)
This work deals with the possibility of housing finance in the Czech Republic. It describes the the functioning of building savings and mortgage loan,legal norms, process, advantages and disadvantages of these products. The work also includes a example which compares mortgage loans with credit from building savings.
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Market of Mortgage Credits
Krulová, Jitka ; Votava, Libor (advisor) ; Šiška, Ladislav (referee)
Thesis "Market of Mortgage Credits"deals with analysis of the market development of own living loans since 1995 and the analysis and comparison of the most frequently used forms of the own living financing in the Czech Republic. These are mortgage loans, building savings loans and mutual combination of these products. Individual products are compared according to the selected criteria, that have major impact on decision about the appropriate way of own living financing.. On the base of the results the recommendations for own living financing in present mortgage market in the Czech Republic are provided.
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Signification of Public Auctions on the Financing of Living
Richterová, Šárka ; Štěpánek, Petr (advisor) ; Koucká, Jiřina (referee)
Public auctions are one way of public negotiation, which leads to transition of property right or another right to the auction subject. All the process is based on the proposer's proposal. This act often becomes a reason of unpaid debts arose during the financing of living throught mortgage. In this case the mortgage proposer is the bank, which offers this mortgage. This bachelor thesis is trying to define relation between the financing of living and public auctions, how they are connected and where the trend works independently on each other. There are included neither theoretic processing of public auction nor process of auction in use. This thesis doesn't handle all the detailes of public auction, but only targets involuntary auction and the reasons of financial restutition from debtor's side. Involuntary auctions become very important part of market with living even in this critical economical situation.
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Options of financing of housing needs
Doležel, Tomáš ; Radová, Jarmila (advisor) ; Málek, Jiří (referee)
This bachelor work is focused on the problems of financing of housing needs. There is dedicated space to a short definition of housing needs, in the first chapter. The second chapter searches tools of housing financing in detail, building savings and mortgages. The last chapter contains analytical section. It focuses on interest rate and progress of agreed loans. This bachelor work acquaints readers with main aspects, conveniences and disadvantages. The purpose is also referring to questions of currently legislature, which is in many respects too restrictive.
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Postavení stavební spořitelny na finančním trhu
Kunc, Vojtěch ; Bauerová, Jarmila (advisor)
Předmětem této práce je postavením stavební spořitelny na finančním trhu. Najdeme zde její vymezení i vymezení samotného stavebního spoření-popisuje princip fungování a jeho právní úpravu v České republice. Vedle historického vývoje a popisu situace na českém trhu se zabývá konkurencí stavebních spořitelen ve financování bydlení. Jsou zmíněny hypoteční úvěry a různé státem podporované úvěry. Najdeme zde i srovnání se Slovenskou republikou.
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Haousing finance in Czech and Slovak republic
Kerďová, Ivana ; Toth, Petr (advisor) ; Kováčová, Andrea (referee)
This thesis deals with housing policy and housing finance in Czech and Slovak republics. Selected topics are matched with some states of the European Union. The first chapter deals with a general analysis of housing and housing policy, the theoretical possibilities of the division of housing and housing policy instruments. At the end of the chapter speaks about the importance of resources and funding to the housing sector. The second chapter is already more engaged in the development of housing policy and housing in the Czech Republic and Slovakia. In both countries are described the development of housing policy after 1989, the current housing policy and housing situation. The end of the chapter compares determined facts. The third chapter explains the various support tools and funding opportunities for housing through the Housing Development Fund, building savings and mortgages. The fourth chapter crowns the earliers, in which are compared some of the problems in the housing area of Czech Republic and Slovakia in selected states of the European Union.
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Possibilities of housing financing
Jůzl, Ondřej ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The thesis is focused on the possibilities of housing financing in the Czech Republic. The greatest attention is paid to financing of buying of own flat emphatically small flats. In the first part, the living in own flat and renting of a flat are compared. In this part I also chracterize housing stock of the Czech Republic and the factors influencing the way of housing financing and housing demand. Second part is theoretical and it describes the possibilities of housing financing in detail. Above all there is described the building saving and the mortgage, that are the most frequent possibilities. Third part anlyses particular financial products of the various banks and monitors current bank supply. The final part contains the case study in which the problem with buying a flat is solved.
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