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Financial resources for purchasing a residential property
Matoušek, Josef ; Bejšovec, Jaroslav (referee) ; Staněk, Roman (advisor)
This diploma thesis deals with financial issues of immovable property acquision. Specifically, the residential property purchase using mortgage. In this context, the suitability of the collateral is being assessed on the basis of a risk assessment. Subsequently, I determine the collateral value of the property using the comparative valuation method. The practical part includes financial records of six banks and an analysis of a selected segment of the residential real estate market. The theoretical part deals with immovable property valuation, the definition of entities in the real estate market and mortgage mechanism. The main output of the practical part is offered mortgage loans comparison and selection the most favourable of them.
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Financial resources for purchasing a residential property
Matoušek, Josef ; Bejšovec, Jaroslav (referee) ; Staněk, Roman (advisor)
This diploma thesis deals with financial issues of immovable property acquision. Specifically, the residential property purchase using mortgage. In this context, the suitability of the collateral is being assessed on the basis of a risk assessment. Subsequently, I determine the collateral value of the property using the comparative valuation method. The practical part includes financial records of six banks and an analysis of a selected segment of the residential real estate market. The theoretical part deals with immovable property valuation, the definition of entities in the real estate market and mortgage mechanism. The main output of the practical part is offered mortgage loans comparison and selection the most favourable of them.
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Valuation methodology of properties and valuation of the house including accessories
Novák, Michal ; Heřman, Jan (advisor) ; Smrčka, Luboš (referee)
Bachelor thesis is divided into two main parts. In the theoretical section of the thesis there are explained the basic concepts of valuation. The knowledge of those concepts is crucial to the practical part. There is also emphasized internal work of cadastre and job description of valuers and experts. At the end of theoretical part there are briefly listed and described methods of valuation. The second practical part is focused on the valuation of specific property including accessories. An administrative method of cost approach is used. Valuation regulation No. 3/2008 has been used for administrative method. Regulation specifies the procedures and values, which are important for property valuation to determine the price for tax purposes.
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