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Analysis of the Czech mortgage market and its position in the global crisis
Melounová, Tereza ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
The aim of this thesis is to compare the causes, course and effects of the mortgage crisis and the subsequent financial crisis in the USA and in the Czech Republic in the years 2000-2012. Conclusions comparisons show that the impact of the crisis on the economy of the Czech Republic were milder mainly due to readiness of Czech banks. Furthermore, this work analyzes a model example of choice of parameters mortgage loan from the client's perspective, focusing on the assessment of the advantages of combination mortgages and savings products. Based on the results of this analysis, the combination can be recommended, but with regard to the rates of appreciation achieved when saving resources. If the condition of compensation refinancing costs by the difference in interest rates is satisfied, it is also possible recommended this financial instrument to a qualified client. Finally, we completed the image of the Czech mortgage market by comparing the classical mortgage products in offer of several banks.
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The impact of the global financial crises to the mortgage market of the Czech republic
Jakubec, Michal ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
The aim of the bachelor thesis called "The impact of the global financial crises to the mortgage market of the Czech republic" is to evaluate whether, or how big, had the financial crisis impact on our mortgage market. The first part is theoretical and we will study financial crisis in general and we will also define mortgage loan. In the second part we will look at the beginning of the American mortgage crisis and then we will focus on Czech mortgage market. We will monitor the development of the interest rate, mortgage loan overdue and development of the real estate prices.
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Analysis of the mortgage market in the Czech Republic
Jurošová, Andrea ; Blahová, Naděžda (advisor) ; Brada, Jaroslav (referee)
This thesis attempts to provide a comprehensive picture of the mortgage loans that are used in order to be invested in housing. First of all, the development of the Czech mortgage market since its inception to the present is described. Focus is put especially on the characteristics of the mortgage loan, its various types and also on the conditions of its provision. Next chapter is dedicated to a detailed description of the mortgage lending process. For the practical section of this thesis a questionnaire and a model-based example that was presented in several banks was used. Subsequently, their offers were precisely evaluated.
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Valuation of property as a subjet of mortgage collateral
Braunová, Petra ; Jurečka, Jan (advisor) ; Dušek, David (referee)
This thesis deals with the valuation of property in connection with mortgage financing. First chapters are devoted to analyzing the current state of the real estate market and mortgage financing in Czech Republic. The second half focuses on the specifics of valuing real estate as mortgage collateral. The last chapter consists of a practical working example of a apartment building valuation.
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The evolution of Spanish Real Estate Market
Forejtová, Tereza ; Stuchlíková, Zuzana (advisor) ; Procházková Ilinitchi, Cristina (referee)
This work describes the evolution of Spanish Real Estate Market between the years 2000 and 2010. The construction sector contributed significantly on the GDP, it created new jobs and it was even called the engine of whole Spanish economy. Initially, the work focuses on main causes of the market growth. Further, there is an analysis of the evolution of interest rates which partially explains the evolution of mortgage market. Following part concerns construction itself and the growth of the prices on this market. The conclusion describes the formation of the speculative bubble on Spanish Real Estate Market and the situation emerged after its explosion.
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The development of the mortgage market in the Czech Republic
Tauchmanová, Markéta ; Dočkal, Dalibor (advisor) ; Lipka, David (referee)
Fifteen years ago, the very first Czech bank was authorized to issue its own mortgage bonds. It was Czech-Moravian mortgage bank nowadays know only as Mortgage bank. That moment has become an imaginary beginning of Czech mortgage market. The market has undergone many changes and significant events by which it was influenced. The aim of this thesis is to evaluate the development of the mortgage market in the Czech Republic. Introducing part is focused on a theoretical side of the mortgage market, its definition, the definition of different types of mortgage loans and their features. The second part examines the circumstances and events that most influenced the Czech mortgage market. Using simple regression analysis shows a dependence of number (respectively a volume) of provided mortgages towards interest rates. In conclusion, I also seek to analyze the latest developments in structure of interest rates for mortgage loans. This year in Czech Republic there has been, in context with historically lowest repo rate announced by Czech National Bank, noted a so called "variable interest rate" offered by commercial banks. In this context, the analysis focuses on pros and cons which are brought up by variable and fixed interest rates fallowed by the concluding evaluation.
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The development of the mortgage market in the Czech Republic
Tran Thi, Thanh Nga ; Blahová, Naděžda (advisor)
This bachelor thesis focuses on the development of the mortgage market in the Czech Republic. The first chapter defines the basic concepts of mortgage banking, which are essential for understanding current trends. In this chapter, there is also a brief history of mortgage banking in the Czech Republic. The second, main part is devoted to analyzing the development of the mortgage market in the Czech Republic in the years 2006 - 2010 and the first quarter of 2011. The third chapter offers possibilities for prevention and solution of insolvency.
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Interactions of real estate and mortgage market
Hylský, Slavomír ; Půlpánová, Stanislava (advisor)
This work is focused on relationships between real estate and mortgage market. It deals with the issue of how banks affect real estate market by providing loans to developers companies to building-up and retail customers to purchase real estate. Work also describes the facts that the markets have occurred in 2007-2010, analyzing the causes of these facts and examines the behaviour of organizations, which markets perform.
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The mortgage market in the Czech Republic
Sadílková, Hana ; Arltová, Markéta (advisor) ; Bubáková, Petra (referee)
The aim of this thesis is to describe Czech mortgage market and follow its development from the beginning till now. This thesis does not contain only description of mortgages, but also gives the demographical overview of regions and mortgages analyses provided by competitive banks. Following attention is dedicated to "Hypoteční banka, a.s.", which was the first on the Czech market and this bank is still the number one, following by competitors. This thesis is focused on its strategy, with the detailed description of financial results. Thesis also contains tables and graphical analyses for easier understanding and clear overview.
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Failure of government regulations on housing markets in the U.S..
Brečka, Peter ; Chytil, Zdeněk (advisor) ; Jaklín, Jiří (referee)
In my thesis I want to focus on the mortgage crisis in the U.S. and the reasons for its formation. I will turn my attention to Fed policy. I will examine the consequences of policy practiced by the Fed - whether it was a "boom" in the housing market and subsequent crisis in the financial markets. Also, I will pay companies Fannie Mae and Freddie Mac, which have a share in the current state of the mortgage market. I will try to compare the bubble in mortgage markets in the U.S. and compare with the bubble in selected European countries. The analysis will be based primarily on a comparison of growth in house prices in recent years before the crisis. That growth, I will compare with interest rate and try to get a result on how much was overdeveloped growth of house prices and how big bubble could develop in the market. Finally, my work should be a summary of the main factors that triggered this crisis.
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