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Changes during the housing finance
Špandel, Jan ; Hrabincová, Dagmar (referee) ; Dohnal, Radek (advisor)
The bachelor thesis describes the different forms of housing financing and analyzes the refinancing possibilities of a mortgage loan after the fixation of the interest rate on a model example. Attention is focused mainly on mortgage loans, building savings loans, including mezzanine loans and other possible combinations.
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Suggestion of Housing Financing in the Czech Republic
Nykodýmová, Veronika ; Nykodým, Libor (referee) ; Škapa, Stanislav (advisor)
This work provides a detailed research on the present condition of the residential realty market and possibilities of housing financing. Explanation of basic terms on the major fields of housing financing is covered in the theoretical part. The practical part is focused on analysis of the present condition connected with the above mentioned topic. In addition, a model situation of housing financing is included in the thesis. Both the lease and the purchase of housing are compared.
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Analysis of the housing market in selected regions of the Czech Republic and evaluation of the advantages of investment in owner-occupied housing
Tollinger, Ondřej ; Matras, Tomáš (referee) ; Kosová, Jaroslava (advisor)
Having a home is one of the most basic human needs and everyone attempts to accommodate this need as well as possible. We consequently decide what approach is most advantageous for our needs - whether to rent a home or whether to buy and own one. If we decide owning a home is the right option, we then have to decide, how to go about purchasing it. Not everyone can afford paying for a property upfront in cash and at that is when banks come into play, lending us money to buy property. This paper focuses on whether having a mortgage is the correct strategy for acquiring a home. This will vary individual to individual based on his or her life goals and other factors. Generally, it can be said that purchasing a home using a mortgage can be advantageous, but the difference between renting and buying on a mortgage might not be that significant. Renting a home does have its own specific advantages, and when one's financial plans are managed correctly, it can be a better option for accomplishing financial independence.
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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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Suggestion of a Financial Concept for the Development of a House
Šimek, Pavel ; Pelc, Jiří (referee) ; Škapa, Stanislav (advisor)
The diploma thesis analyzes available methods of financing of a new housing construction with the focus on the possibilities of concurrent investment. The above analysis is demonstrated in a model case study. Practical part contents selection of the products to be analyzed from each evaluated field: suitable mortgage loan, finance market investment, the investment to the alternate heating equipment of the home and photovoltaic power plant. Than demonstrate the possibilities of decreasing the price of the loan with the assistance of concurrent investment into the financial markets or the alternative investment. The risk of investing has been taken into consideration as well. At the end are demonstrated comparative analysis and evaluation of all financing possibilities resulting in suggesting the most suitable method of home loan financing.
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Cooperative Form of Financing of Housing Construction
Holý, Petr ; Gruber, Jan (referee) ; Breinek, Pavel (advisor)
The diploma thesis focus on evaluation of co-operative housing construction as one of the way from current credit crisis of financing of housing construction. Specifies and evaluate individual types of financig of new housing construction and apply it on model example. Evaluation is based on analysis of present circumstances of housing construction and trend of mortgage loans. In this evaluation also looks at subvene of new housing construction. At the same time looks on an alternative of non-profit co-operative housing construction.
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