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Financing Options for Housing in the Czech Republic
Benešová, Lucie ; Uhrová, Blanka (referee) ; Ptáček, Roman (advisor)
This diploma thesis deals with the financing options of housing in the Czech Republic with the focus on building society saving accounts and mortgage loans. At first, it explains the basic parameters of these products. Then, the second part is aimed at the possibilities of credit products offered on the market. Finally, the third part shows the representative example of a family and it suggests a possible way to finance their own housing on the basis of assessment of major advantages and disadvantages of credit types.
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Housing market and its financing in Zlín
Karásek, Jiří ; Dvorská, Michaela (referee) ; Ivanička, Koloman (advisor)
This bachelor thesis is focused on the housing market (market for flats) and their financing in the city of Zlin. It is divided into two parts - theoretical and practical. The theoretical part explores basic concepts of living and state concepts of living for the next 8 years. With this is related to the additional support program from the state in the living area. The practical part deals with the housing market in city of Zlín following to the new zoning plan. In conclusion is compiled the concrete financing flat by the help of building savings loan.
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Decision-Making and Process of Housing Financing in the Czech Republic
Macho, Martin ; Votava, Libor (advisor) ; Krbová, Jana (referee)
The aim of this bachelor thesis is describe and analysis decision-making process and housing finance in the Czech Republic. Especially considering the fact of choosing between their own housing, which is often sourced in debt, or rental housing. This option picked up in popularity, especially after 2008, when gradually to reduce the costs associated with debt financing of real estate. The thesis contains terms related to the real estate market, defines housing types and desition making. Then follows the analysis of primary and secundary data and create models.
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Real Estate Market and its Financing
Boučková, Jana ; Votava, Libor (advisor)
This diploma thesis analyzes the real estate market and focuses its financing primarily through mortgage loans and building savings loans. It analyzes the types and characteristics of individual products from different companies. Based on this information recommends solution and suitable procedure for model clients.
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Possibilities of Financing the Acquisition of Owner-occupied Housing in the Czech Republic in 2012
Pilát, Tomáš ; Poláková, Olga (advisor) ; Vebrová, Ludmila (referee)
An availability of owner-occupied housing is affected by an availability of loans for housing. The aim of the paper is to find out the availability of the loans for housing for households. These households are divided into four groups. Each group is represented by one model family. The analysis of number of the people in the household, the number of the children, type of income and its size are important for modeling the family. Each of these model families asks a mortgage bank and building society for a loan. After the finding out the financial situation, the institution evaluates the creditworthiness of the family. Then the bank or building society will provide the loan or not. The secondary aim of this paper is to compare the setting of the state aid for mortgages and for the building savings loans. Using the offers from banks and the building societies the specific state aid are compared. The state aids are compared in percentage and in the total aid.
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Trends in financing of housing
Otčenášková, Petra ; Zámečník, Petr (advisor) ; Smrčka, Luboš (referee)
Bachelor's thesis entitled "Trends in financing of housing" deals with the possibilities of how to finance housing. Its aim is to analyze the financial instruments of the mortgage market and system of housing savings in the Czech Republic. The work is mainly focused on the development of mortgage and housing savings in recent years. The first part describes the major characteristics of the mortgage loan. It is also mentioned something about the historical development and legislation. The second part focuses on the principles of housing savings products and their convenience. The next three chapters are devoted to less used forms of housing finance. The following section discusses the current status, changes in legislation and trends in the provision of housing loans. The final section describes the state changes planned for the future.
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Financing of housing
Jiřičková, Martina ; Zámečník, Petr (advisor) ; Gavčík, Jiří (referee)
My bachelor thesis deals with prospects of building financing in the Czech Republic. I focus primarily on the mortgage and its main characteristics. Credits of building societes, i.e. building savings loans and bridging loans are also listed in my thesis. The aim of this final paper is to analyse the current offer of mortgage products on the market. I compared these products in terms of the most important variables, such as the interest rate or charges connected with mortgages. In the final part I created a model example which summarizes previous findings and analyses the most advantageous products on the Czech mortgage market.
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Changes in the model building society
Němcová, Jana ; Půlpánová, Stanislava (advisor)
The thesis is aimed at building savings and changes experienced by its models due to changes in legislature ruling this banking product. The aim of the thesis is to cover the development of builing savings within the framework of its existence in the Czech Republic based on amount of contracts concluded the thesis tries to analyse popularity of building saving in relation to changes od the models and their impact. The thesis at the same time compares positives and negatives of individual models of building savings applied on a single saver. Further target is to decide whether a presen saver is more influenced by the actual model valid in the Czech Republic or the choice of one of five institutions providing the service of building savings based on comarison of the products provided by them.
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Present and Future of Building Savings in the Czech Republic
Pospíšilová, Michaela ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
This thesis deals with the Building Savings in the Czech Republic. It contains a brief overview of the history of Building Savings, explaining the basic concepts and the legislative framework for Building Savings. It analyzes and compares individual building societies and their main products. It examines the publics interest of Building Savings and explores its advantages and disadvantages. The aim of the thesis is to determine what effects will have the latest Amendment to the Act on Building Savings in the future in comparison to past and current developments in Building Savings on the Czech market.
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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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