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Comparison of Possibilities of Real Estate Financial Assurance
Erberová, Lenka ; Polák, Martin (referee) ; Vítková, Eva (advisor)
Subject of master thesis “Comparison of the possibilities of financial security of real estate” is the issue of alternative funding of housing in Czech republic. This thesis deals with the major housing finances products. It surveys building society accounts and mortgage loans withing the selected financial institutions. In the practical part these products are compared in an effort to determine the best form of securing of chosen property whose value was determined by estimation of cost of the property for credit management.
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Financing Options for Housing in the Czech Republic
Poul, Michal ; Vojtěch, Dušan (referee) ; Hanák, Tomáš (advisor)
This diploma thesis „Financing options for housing in the Czech Republic“ is focused on the issues connected with financing one´s own housing. The goal of this work is mainly to introduce the issues and possibilities of financing housing of the citizens of the Czech Republic, analyze products that could be used while financing housing and compare the costs of financing housing, while using different bank products. In the theoretical part of the work, we obtain knowledge intentions and developments of housing policy in the Czech Republic; we clearly introduce with the products that are helpful while financing housing and their combinations. Insurance products are also mentioned in the thesis. Those products can protect citizens against unwanted influences during the period when they pay off their loans. We can also find here the recent development of loan products and bank market in the Czech Republic, its current offers and overview of its products, from which citizens can choose the most suitable one for their needs. Practical part of the thesis deals with the comparison and research in the least costly way of financing housing in three different time horizons with the help of one product or a combination of products.
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Comparison of Possibilities of Real Estate Financial Assurance
Erberová, Lenka ; Polák, Martin (referee) ; Vítková, Eva (advisor)
Subject of master thesis “Comparison of the possibilities of financial security of real estate” is the issue of alternative funding of housing in Czech republic. This thesis deals with the major housing finances products. It surveys building society accounts and mortgage loans withing the selected financial institutions. In the practical part these products are compared in an effort to determine the best form of securing of chosen property whose value was determined by estimation of cost of the property for credit management.
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Financing Options for Housing in the Czech Republic
Poul, Michal ; Vojtěch, Dušan (referee) ; Hanák, Tomáš (advisor)
This diploma thesis „Financing options for housing in the Czech Republic“ is focused on the issues connected with financing one´s own housing. The goal of this work is mainly to introduce the issues and possibilities of financing housing of the citizens of the Czech Republic, analyze products that could be used while financing housing and compare the costs of financing housing, while using different bank products. In the theoretical part of the work, we obtain knowledge intentions and developments of housing policy in the Czech Republic; we clearly introduce with the products that are helpful while financing housing and their combinations. Insurance products are also mentioned in the thesis. Those products can protect citizens against unwanted influences during the period when they pay off their loans. We can also find here the recent development of loan products and bank market in the Czech Republic, its current offers and overview of its products, from which citizens can choose the most suitable one for their needs. Practical part of the thesis deals with the comparison and research in the least costly way of financing housing in three different time horizons with the help of one product or a combination of products.
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Development of the financial products for the home financing and the analysis in the czech market
Žák, Vojtěch ; Coufal, Libor (advisor) ; Špániková, Kateřina (referee)
The topic of my thesis is Development of the financial products for the home financing and the analysis in the Czech market. My thesis is primary occupied with mortgages loans. First part is focused on the explanation of basic terms conectedted with mortgages and credits from the building society account. Then I describe the hole credit procedure from the client's point of view, conditions of credit assignment and costs connected with the credit. Next teoretical part concerns about the development of the mortgage market in the Czech republice and possible changes in the market in the future. Practical part of my thesis consists of the analysis of three banks in the czech market-KB, ČSOB and mBank. I tried to compare offeres of mortgages loans, mortgages loans with insurance in case of incapability and the combinaton mortgage loan with regular credit from the building society account thanks to RPSN and chose the best solution.
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The advantage of building society in new legislative terms compared with mortgage loans
TŮMOVÁ, Lenka
The topic of this master thesis is to compare benefits from the building society account with the mortgage loan. The whole comparison will be done according to the new legislative. The aim of this study is to find whether it is more profitable to invest into your property with the mortgage or the building society account. For this collation eight different companies are approached. Four of them are building societies and four are banks. The experts from those companies were given three examples with different height of LTV from different applicants with different purposes. Those experts also assessed which indicators applicants should consider. According to these recommendations clients have ordered indicators by their assumed importance. Finally offers were evaluated by TOPSIS method and ordered by its advantageousness.
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