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Comparison of the mortgage loans of selected banks
Haladová, Martina ; Burian, Stanislav (advisor) ; Miroslava, Miroslava (referee)
The diploma thesis deals with mortgage loans in the introductory part. There is the
definition of a mortgage loan and listed its basic types. The thesis deals also with process
of provision including the most important requirements: creditworthiness of a client,
securing the loan, amount of the loan, the loan agreement, drawing and repayment of the
loan. Further this work is focused on the price of mortgage loan and other related aspects
such as mortgage bonds, state aid or supplementary loan. In the second part of the thesis
there are presented the basic characteristics and the development of the mortgage market in
the Czech republic. This part also contains the analysis of current offer of mortgage
products by selected banks. The comparison is based on the model example and the most
advantageous mortgage loan is evaluated according to selected criteria.
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Comparison of the Mortgage Loans Market in the CR and UK
Rozinková, Iva ; Horčička, Aleš (referee) ; Hanušová, Helena (advisor)
Tato diplomová práce se zabývá hypotečními trhy v České Republice a Spojeném Království. Porovnává faktory působící na funkci těchto trhů. Tyto faktory jsou vybrány na základě PEST analýzy. Cílem diplomové práce je popsat a porovnat tyto faktory na obou trzích za účelem jejich ohodnocení a navržení kroků ke zlepšení situace. Úspěšné a perspektivní stránky jednoho trhu jsou brány jako vzor pro nástroje, které by zlepšili situaci na trhu druhém.
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The analysis of factors affecting the mortgage market in Slovakia
Pačnárová, Zuzana ; Radová, Jarmila (advisor) ; Galuška, Jiří (referee)
This Diploma thesis analyzes the development of the mortgage market in Slovakia. The thesis achieves partial goals which lead to the analysis of the factors affecting the mortgage market. The subject of the practical part, which at the same time happens to be a partial goal, is to analyze the overall development of the mortgage market together with the surrounding markets, to identify the key factors, to monitor their development along with the development the mortgages provided, and to analyze econometrically selected factors affecting the mortgage market. The analysis shows the scope of the force and direction of the selected factors. The theoretical part emphasizes the characteristics of the type of mortgage banking with a focus on the system existing in Slovakia. The thesis also follows the risks from the perspective of the entities in mortgage banking. It also defines the rules, interest rate conditions and types of government-sponsored support. The relationships between the Slovak mortgage market and its subjects are also being explained. Special attention is being paid to the legislative developments having current impact on mortgage banking.
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Mortgage Market in the Czech Republic
Máchová, Marcela ; Votava, Libor (advisor) ; Chaloupka, Zdeněk (referee)
The objective of work is a complex description and characterization of the contemporary state and the historical development of the mortgage market in the Czech Republic. Selected players will be used to compare mortgage products. A partial objective can be recommendations that can be applied when selecting a mortgage product in personal finance.
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The mortgage crisis in the USA and its impact on the mortgage market of the Czech Republic
Šiška, Samuel ; Žamberský, Pavel (advisor) ; Jedlinský, Jakub (referee)
The aim of the bachelor thesis The mortgage crisis in the USA and its impact on the mortgage market of the Czech republic is to evaluate whether, the financial crisis have had impact on the mortgage market of the Czech republic. The thesis is divided into 5 parts. The first part deals with the financial crisis in general and its history. The second part describes the situation before the outbreak of crisis in the USA and its progress. In the third part the thesis depicts the mortgage market generally. The forth part is about the mortgage market in the Czech Republic and its development. The final part shows the impact of the financial crisis on mortgage market in the Czech Republic.
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Current Trends in the Czech Mortgage Market
Kaššová, Petra ; Votava, Libor (advisor) ; Stejskalová, Irena (referee)
This bachelor thesis concentrates primarily on the current situation in the Czech mortgage market. It presents the historical development, organization and the current situation in mortgage banking. It describes the basic characteristics of the mortgage loan, which includes the statutory definition of the mortgage loan, basic terms and parameters, division and types of mortgage loans, mortgage application, costs and fees associated with the loan, state aid, possibilities of drawings and repayments of the mortgage loan, the impact of the borrower's death or divorce of married couple on the mortgage loan etc. The main part of my bachelor thesis focuses on the analysis and comparison of individual mortgage loans from the five largest mortgage lenders with the goal to recommend the best mortgage loan for particular model clients.
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Analysis of the Czech Republic´s Mortgage market and its Situation in time of the Global crisis
Korniienko, Myroslava ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
My thesis is focused on the analysis of the Czech Republic's mortgage market and its situation in time of the global crisis. The first part deals with the theoretical framework in which I define what a financial crisis is, what are it's different types and symptoms. I focus mainly on the American subprime mortgage crisis, which became the starting point of the global financial crisis. I also define the term mortgage, it's main characteristics and types. Then I single out the main factors which influence the Czech Republic's mortgage market. In the second part of my thesis the evolution of the main macroeconomic indicators during the global crisis are described, as well as the situation at housing and mortgage markets in the United Kingdom and the Czech Republic. With the help of statistical analysis main connections and directions of influence on mortgage market were defined.
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Analysis of Czech Mortgage Market and Innovations
Soukupová, Kateřina ; Smrčka, Luboš (advisor) ; Strouhal, Jiří (referee)
The objective of this diploma thesis is to analyse current status of Czech mortgage loan market and estimation of its further developments. The thesis focuses mainly on non-standard mortgage products. Besides interpreting of historical development and available data it uses several other methods. A questionnaire survey provided information on awareness of the public about the non-standard mortgages and the public's opinion on their usability. The survey also helped with understanding of Czech citizens' general needs and opinion in area of home equity financing. Furthermore comparative analysis of Great Britain's market and an interview with a representative of financial advisors who have major role in sale of mortgage loans. Opinions of the financial advisor provided expert view on the non-standard types of mortgages and reasons for their market share. In conclusion, the results from all used methods are summarized into evaluation of Czech mortgage market in general, in regards to innovation and also in regards of potential of individual non-standard mortgage products.
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Vyhodnocení závislosti mezi kvantitativním uvolňováním a vybranými ekonomickými ukazateli v USA
Herec, Jiří
This thesis deals with the evaluation of how the implementation of quantitative easing in the USA between 2008 - 2014 affects various economic indicators. The influence of particular waves of quantitative easing is analyzed by changing the levels of selected macroeconomic indicators and rep-resentative indicators of the capital market - stock index S&P 500 and the yields on government treasuries with different maturities. Dependence between the realized monetary expansion and changing the level of individual economic indicators is discussed through correlation coefficients.
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Hypoteční trh v České republice a ve Španělsku
Zajdová, Klára
Zajdová K. Mortgage markets in the Czech republic and Spain. Bachelor thesis. Brno: PEF MENDELU, 2013. This thesis evaluates and compares mortgage market, both in the Czech Republic and Spain, in course of the last five years. In addition, this work contains comparison of mortgage products of selected bank institutions in above mentioned countries. A comparative study is done based on pre-defined model example.
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