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Building savings {--} present and future development
STRNADOVÁ, Helena
There are two basic possibilities of financing housing {--} a building society loan or a mortgage loan. The aim of the work is to present an information outline for prospective loan or mortgage applicants which would provide them with all necessary information and help them to understand the wide range of loan and mortgage products offered in the market. The theoretical part of the work introduces basic principles of loan with building societies and mortgages offered by banks together with the history outline of these products in the Czech Republic. At the beginning the practical part of the thesis focuses on development of building savings in the Czech Republic. The application part deals with a comparison of various loan and mortgage products offered by Česká spořitelna. First of all there is presented a comparison in general level. The analysis should help potential clients to find the right solution of housing problem regarding their financial situation and the character of their housing investment. One section of the work is devoted to a comparison of building savings in the Czech Republic and in the Austria.
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Financing of the real property
BRUSOVÁ, Pavlína
The topic of this diploma work is "Financing of the real property''. The aim of this work is comparing the possibilities of financing the acquisition of the real estate by the building savings and by the mortgage loan with the aim of an interpretation the most optimal form of the financing of the real property for the client which suits his conditions. The theoretical part is attended to the characteristics of the forms of financing the acquisition of real property, especially the characteristic of building savings and mortgage loan, its legislative form, building saving stages and a disposal of the mortgage loan. In the practical part of this work are the theoretical recourses applied with the intention of a model interested person in acquiring property. There are also described possibilities of financing the housing by building savings and mortgage loans, which are offered by selected institutions for the client. On the basis of these possibilities is made an analysis of the most optimal form of financing the real estate.
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The mortgage credit and life investment insurance
POSPÍŠILOVÁ, Jana
My bachelor diploma paper is going to deal with the possibility of using the building savings, mortgage credit or combination of mortgage credit and life investment insurance. The main task is to set useful information basis about the products. The theoretical part will serve as the main basis for understanding basic credit rules from building savings, mortgage credit and combinations. The aim of this work is to show the advantages of separate products in dependence on the financial standing and the total excess payment.
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The possibilities of financing a mortgage credit after expiration of the fixing interest rate term.
FARSKÁ, Lucie
After expiration of fixing period, not only amount of interest rate, but also other opening costs and fees figure prominently in making decisions about next steps and practices. There are many products of not only mortgage banks, but also of building societies on the market currently. Both institutions compete each other and still try to attract new clients. The aim of my thesis was to inform in general about problems of mortgage credits and building savings. In this thesis I described basic aspects of financial market products and differences between them.
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Housing Financing
Nováková, Veronika ; Karásková, Hana (advisor) ; Benda, Tomáš (referee)
Bachelor thesis deals with financing their own housing by mortgage loan and building savings loan. First part describes loans theoretically. In the second part is a virtually example of application loans - flat purchase. In conclusion you can find, which loan is better for the flat purchase.
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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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The development of credit transactions of building societies in the Czech Republic
Bartoničková, Jitka ; Půlpánová, Stanislava (advisor)
The work concentrates on the development of credit transactions of building societies in the Czech Republic. At first, readers first get to know about the genesis of building savings industry and legislation. Then follows description of different kinds of credits: regular credits and bridging loans, including offers of building societies. The rest of the work deals with development of credits given of building societies in the Czech Republic. Time series analysis is used for identifying trends and on the basis of its results the author makes prediction of the near future in this branch. Confrontation of the model with reality and author's own evaluation closes the work.
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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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Analysis of options financing housing needs
Kejklíček, Roman ; Radová, Jarmila (advisor) ; Málek, Jiří (referee)
The aim of this bachelor thesis is to explain the sense and problematic of financing people housing needs. There is highlighted a significance of housing and his evolution in recent years. The largest part of the thesis deals with two most important products providing living in the Czech market -- building savings and mortgage loans. I paid attention not to only theoretic explication but also to analytic section about building savings, which includes evaluation of results and the interesting conclusion.
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