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Proprietary housing and current possibilities of financing
Řádková, Kristina ; Poláková, Olga (advisor) ; Vebrová, Ludmila (referee)
The main goal of this bachelor thesis is to analyze the use of instruments of housing finance through the financial market and housing policy and its instruments. The first part will focus on the general characteristics of housing, its peculiarities, classification of forms and financing instruments, focusing on building savings and mortgage lending. The individual objective is to analyze the current product offerings of the Czech financial market intended for housing and a comparison of their main properties. The analytical part will contain model example comparing the conditions and the use of housing finance instruments selected financial institutions in the current period and selection of the most suitable solution for the chosen model situation.
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Availability of home ownership in Czech Republic
Váňa, Václav ; Poláková, Olga (advisor) ; Vebrová, Ludmila (referee)
The paper investigates some issues related to housing and its forms, such as property and rental housing, cooperative housing and illustrates their benefits and drawbacks. The main aim of this paper is a comparison of costliness of property housing in each county of Czech Republic and price availability of flat or rental house for income-average Czech family. Comparison, of all counties is processed according to nominal prices, loading rate housing expenditure and residual income This paper comes out from available data about average newly-built flat and family house dimensions and average price of these areas. There is included an analysis of income tendencies of average inhabitants of those premises in all counties over Czech Republic. The last part of bachelor thesis is dedicated to a comparison of financing housing expenses from mortgages and building savings, including positives and negatives concerning possibilities of housing financing.
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Housing Financing
Ha Hong, Quan ; Dvořák, Jiří (advisor) ; Pevná, Jana (referee)
This work deals with the possibility of housing finance in the Czech Republic. It describes the the functioning of building savings and mortgage loan,legal norms, process, advantages and disadvantages of these products. The work also includes a example which compares mortgage loans with credit from building savings.
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