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Residential Financing Options
Martinák, Lukáš ; Szücs, Martin (referee) ; Chovancová, Jitka (advisor)
The subject of this bachelor thesis is analysis of the problem of housing financing. The theoretical part deals with the housing market in the Czech Republic on a general level. It also deals with the family budget and the analysis of financing possibilities, especially mortgage loan and building savings loan. The relevant question here is the comparison of advantages and disadvantages of renting and buying an apartment. The practical part illustrates the concrete application of the information obtained in theoretical part on the model case. Primarily, in the decision-making analysis, the choice between purchasing an apartment with subsequent possible sale and rental housing with a short-term and long-term perspective is addressed.
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Kinds and sources of financing of living
Hanulíková, Marie ; Beránková, Martina (referee) ; Hrabincová, Dagmar (advisor)
This thesis deals with forms and ways in which housing can be financed. The aim of the thesis is to obtain information about the opportunities that are offered to finance housing and their subsequent application. The first part is theoretical. There is presented the state of housing stock based on the final results of population and housing census from 2011. This is followed by a description of building saving - especially its phases, possibilities of granting loans, use of funds and state aid. Furthermore description of mortgage loans - possibilities of using, their types and conditions for the acquisition. At the end of this section there are listed programs of the State Housing Development Fund. The second part is practical and previous findings are applied to the specific case of buying an apartment into ownership and also recommendation of appropriate options for financing the purchase.
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Real Estate Financing from the Investor's Perspective
Svobodová, Petra ; Pospíšilová,, Barbora (referee) ; Vítková, Eva (advisor)
The thesis is focused on the the real estate financing. In the theoretical part, the participants on the real estate market are introduced, as well as the types of real estates basic housing data in the Czech Republic. The theoretical part conclude the possible ways of financing. The major part of the last chapter in the theoretical part is building savings and the mortgage loan negotiated with a commercial bank. The case study deals with the fictitious purchase of an apartment. The selection of the apartment category was based on the definition of the statistical data describing the development of the demanded categories of the apartment. The apartment can be financed in three different ways, which are described in the previous part of the thesis. Finally, there is the most appropriate funding method selected.
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Suggestion of Financing of a Housing
Holásková, Petra ; Kutnohorský, Martin (referee) ; Škapa, Stanislav (advisor)
This thesis provides a detailed research on the present condition of the realty market and possibilities of housing financing. Explanation of basic terms on the major fields of housing financing is covered in the theoretical part. The practical part focused on analysis of the present condition connected with the above mentioned topic. In addition, a model situation of author´s own housing financing is included in the thesis. Both the lease and the purchase of housing are compared.
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Suggestion of the Optimalization of a Method of Housing Financing in Czech Republic
Pomichálková, Lucie ; Ovesný, Martin (referee) ; Škapa, Stanislav (advisor)
This bachelor's thesis is focused on analysing the options of housing financing in the Czech Republic. In the first instance this bachelor's thesis describes basic characteristics of the property market. Then it shows the options of housing financing by means of financial market tools, especially theoretical and practical aspects of building saving and mortgage credit. I suggest several methods of housing financing for a concrete client. Then I compare the advantages, disadvantages and financial demands of the individual alternates and recommend the optimal solution of housing financing for this client.
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Residential Financing Options
Martinák, Lukáš ; Szücs, Martin (referee) ; Chovancová, Jitka (advisor)
The subject of this bachelor thesis is analysis of the problem of housing financing. The theoretical part deals with the housing market in the Czech Republic on a general level. It also deals with the family budget and the analysis of financing possibilities, especially mortgage loan and building savings loan. The relevant question here is the comparison of advantages and disadvantages of renting and buying an apartment. The practical part illustrates the concrete application of the information obtained in theoretical part on the model case. Primarily, in the decision-making analysis, the choice between purchasing an apartment with subsequent possible sale and rental housing with a short-term and long-term perspective is addressed.
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Real Estate Financing from the Investor's Perspective
Svobodová, Petra ; Pospíšilová,, Barbora (referee) ; Vítková, Eva (advisor)
The thesis is focused on the the real estate financing. In the theoretical part, the participants on the real estate market are introduced, as well as the types of real estates basic housing data in the Czech Republic. The theoretical part conclude the possible ways of financing. The major part of the last chapter in the theoretical part is building savings and the mortgage loan negotiated with a commercial bank. The case study deals with the fictitious purchase of an apartment. The selection of the apartment category was based on the definition of the statistical data describing the development of the demanded categories of the apartment. The apartment can be financed in three different ways, which are described in the previous part of the thesis. Finally, there is the most appropriate funding method selected.
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Selection of Appropriate Forms of Financing Housing
Kubíček, Michal ; Dvořáková, Radka (referee) ; Meluzín, Tomáš (advisor)
This bachelor thesis focuses on options financing living in the Czech Republic. Firstly, there are described some basic terms and concepts which can be relised in immediate contact with this topic. Next part of the thesis describes some forms of living financing. For certain type of investor there were suggested some choices of financing hoousing, there are in short described. In following part there are mendioned individua advantages and disadvantages, icluding the suggestion.
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