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Proposal of Effecive Financing of Flat-building by means of Mortage Loans
Lemon, David ; Pikola, Tomáš (referee) ; Zeman, Václav (advisor)
The object of my thesis work called "Suggestion of an effective financing of Flat-building by means of mortgage" is to compare possible investment, choosing an optimal alternative and propose potential changes in a specific mortgage already offered by a bank. It is analyzing particular products for financing rent-destined real property on the Czech market and realization study, which also includes client demands. We are focusing on theoretical and practical information that are contributing to high effectiveness and customer adjustment of offered services.
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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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Suggestion of the Housing Financing Optimalization
Ambrožová, Helena ; Širůčková, Kateřina (referee) ; Sládková, Jitka (advisor)
This project deals with the analysis of different options of housing financing. The work describes the functioning of the building saving accounts and the mortgage credit together with refunding of the mortgage credit, possibilities of the subvention, comparison and combination of more products, their advantages and disadvantages etc. The practical part of this work includes the model examples and recommendations of the optimal solution of housing financing.
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Bank Loans of Enterpreneurs and Possibility of Obtaining in the Czech Republic
Kopecká, Tereza ; Hurda, Pavel (referee) ; Rejnuš, Oldřich (advisor)
The main aim of my diploma thesis is to choose the most sutaible option of loan financing of business activities of individual in simulated conditions. The first part is followed to summary of theoretical knowledges about loans issues which are loan analysis specifically interest, loan application, repayment, protection, risks and types of loans, then loan markets, loan unions and central bank and loans. The second part is aimed to analysis of specific cases of getting loans, morgages and leasing for entrepreneurs and citizens and it´s following evaluation. Then there is comparison of the best options. In conclusion of this part there are analysis and all the results of current situation of getting loans for entrepreneurs in Czech republic.
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Valuation methodology used for the purpose of UniCredit Bank and ČSOB
Mareš, Miroslav ; Kavka, Milan (referee) ; Šmahel, Milan (advisor)
Diploma thesis deals with the procedures for valuation of property according to the methodologies used by banks UniCredit Bank and ČSOB. This diploma thesis describes the principles of valuation of assets. In this thesis there are mentioned basic concepts of banking. It carries out a detailed analysis, description and comparison of selected valuation methodologies used by banks and methodologies used in appraiser´s work, who prepares evaluations for banking institutions. Based on the findings an analysis of the different methodologies is made.
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Determination of Optimum Parameters for Loans in the Real Estate Market and Their Practical Use in the Future
Panajotovová, Monika ; Fajkus, Jiří (referee) ; Škapa, Stanislav (advisor)
This master´s thesis examines the development of real estate financing in relation to the credit crunch. Accordnig to main causes of fluctuations in history, comparing interest rates, mortgage loans, property development and investment in time, it models the evolution of optimal interest rates of real estate market. The loans’ optimal parameters with combination of types of bank financing in the real estate market with regard to its sustainable development as a separate and independent global market with strong inclusion among the other market sectors, are formed there. In this dissertation the analysis of financing methods will be used, comparative method of commercial banks‘ interest rate and analysis of commercial interest rates‘ structure. The result of the work we expect to be optimistic, realistic and pessimistic scenarios of futher development of real estate finance market and the model of the optimal interest rates‘ structure.
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Investing of Free Capital of a Company
Fischer, Karel ; Bíza, Martin (referee) ; Rejnuš, Oldřich (advisor)
The aim of this bachelor thesis suggests a suitable investment for temporary free capital preservation of a chosen company. Macroeconomic analysis of the present state of Czech financial markets are used to solve this problem and the possible risks connected to this investment activity is taken into account.
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Evaluation of Investment Intention in a Company with Business Activity
Jablonická, Lucie ; Beranová, Martina (referee) ; Zeman, Václav (advisor)
The aim of this thesis is to analyze financial statements and search the best way how to finance an investment intention. The theoretical part is focused on a characteristic of the investment opportunities, the sources of financing, the issues with a financial statement analysis and its indicators. The practical part analyses a specific company based on the financial statements which is followed by an investment intention. Its aim is to search the best option for the financing.
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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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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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