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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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Selection of a Propriet Form of External Funding of a Company
Petříček, Jakub ; Luňáček, Jiří (referee) ; Meluzín, Tomáš (advisor)
The bachelor thesis deals with the selection of suitable form of external financing of the company. The individual options are first defined in general in the theoretical part and then compared to each other for specific purposes of the entrepreneur in the analytical part. After analysing the different ways of external financing, the most favourable option for the situation is recommended.
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Financial resources for the purchase of real estate from the investor's point of view
Štěrbová, Nikol ; Krejza, Zdeněk (referee) ; Vítková, Eva (advisor)
This diploma thesis focuses on the assessment of financial resources for the acquisition of real estate. Specifically, the thesis deals with the issue of purchasing an apartment using a mortgage loan. In this case, the investor is a young married couple. The diploma thesis consists of two parts. The theoretical part deals with housing, the real estate market, real estate valuation and real estate financing sources in its chapters. The practical part primarily focuses on the choice of the banking institution, which will provide the couple with a mortgage loan, and also the banking institutions, which will provide the consumer with a consumer credit for financing the remaining necessary amount of the flat price.
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Borrowing the Entrepreneur by Selected Banking and Non-banking Institutions
Václavík, Lukáš ; Ptáček, Roman (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis deals with the comparison of the possibilities of lending entrepreneurial subject by business credit by selected banking and non-banking institutions. The individual options are compared on the basis of the analysis of offers from selected institutions with competence on the Czech financial market according to the preferences of the company management. The most suitable external financing options will be recommended for the company.
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Analysis of saving bank accounts and comparison of their offers on the Czech banking market
Richtrová, Lucie ; Steininger, Michal (advisor) ; Aneta, Aneta (referee)
The bachelor thesis is concerning bank accounts, mainly those which are the most favourable, from a client's point of view. The aim of this thesis is to define, compare and contrast savings accounts which are available on the financial market in the Czech Republic. As well as to acquire which are most favourable for clients. In this thesis, there will be defined terms which are directly linked to financial and banking products. Mainly, those which are linked to savings accounts. The first section of this thesis will be based upon a survey which aims at determining which banks are the most reputable in the Czech Republic, plus further information regarding the individual bank accounts of clients. Another section will compare four of the most popular Czech banks: ČSOB, ING Bank, Air Bank and Česká Spořitelna. These institutions are listed according to the following criteria: how much the client benefits from the provided services; the interest rates and further costs directly linked to bank account usage. A non-existent client was created for the purpose of determining how advantageous a savings account is for them based upon which one of the four institutions they used. From the analysis within this thesis arises the conclusion that the best savings account, as well as the most commonly used, was Air Bank.
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Mortgage loan analysis in the CR
Boušová, Barbora ; Steininger, Michal (advisor) ; Jan, Jan (referee)
The aim of this bachelor thesis is to define the basic terms which are related to mortgages in the Czech Republic, issues of getting, drawdowning and paying off the mortgage.
Another goal is to gain findings of client´s awareness of the mortgages and to find out the best product for client.
The literature review is focused on getting, drawdowing and paying of the mortgage.
The results are based on the obtained data from survey. Owing to survey there is a best supply offer for potential client. The potential client demands a mortgage in the following conditions, amount of mortgage is 1 500 000 CZK, due date is 30 years and the interest is for 5 years.
The bank Česká spořitelna offered the best supply to the potential client.
Due to obtained data from the survey it was possible to assess the awareness of inhabitants in the Czech Republic about the mortgage.
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