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Consolidation of loans
KREJČÍKOVÁ, Lenka
The aim of this bachelor thesis is mapping the market offer and legal conditions related to difficulties in repaying a loan. The theoretical parts explains the concepts of loan, credit, interest rate, annual percen-tage rate of charge and the distribution of loans. These explanations are followed by basic information about loan consolidation, regulation of the loan agreement and the credit agreement. The last part of the review of literature deals with insolvency law and possibilities of bankruptcy. The practical part begins with a comparison of the total household debt in the years 2007-2016, followed by further development of household debt in 2015 and the develo-pment of insolvency in the Czech Republic in the years 2008-2015. For analyzing the market offer, I selected products of Česká spořitelna, a.s., GE Money bank, a.s. and Sberbank CZ, a.s. For comparison I created three model situations that were calculated for the individual banks. In the conclusion of the bachelor thesis I evaluate the results of the model situations and select the most advantageous options for clients.
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