|
|
Business plan and the possibilities of its expansion
VOLF, Tomáš
The aim of this work was to compare different offers and for a few cases to compute the value of the APR for several types of loans. I made calculations for the loan from building savings, bridging loan, secured loan and two types of mortgages. At the end of my work, the results are processed, assessed and according to the value of the APR is determined the order of the individual types of loans. The aim is to ensure better awareness, greater insight of the financial market and at the same time to help with deciding in what situation what kind of loan to apply.
|
|
|
Building savings - legal and economic issues
Lukášová, Jana ; Vondráčková, Pavlína (advisor) ; Novotný, Petr (referee)
BUILDING SAVINGS - LEGAL AND ECONOMICAL ISSUES, ABSTRACT The aim of this work is to familiarize the reader in details with the issue of building savings. The work describes the basic principles and the system of building savings, problematic of building savings from the point of view of the building societies and also provides useful advices to the potential participants of the building savings. It also deals with the key jurisprudence and considers the form of this financial product in the future. In the first chapter, historical process of the building savings in England, Germany and Czech Republic is described, and principle of the self-help building societies is explained. Second chapter presents introduction to problems of the building savings, basic principle is explained and the legal regulations are described here. Attention is also paid to one of the key terms of the building savings, which is the state support of building savings and its effect on profitability and existence of the building savings. The building societies, as highly specialized financial institutions, are described in the following chapter. There is also outlined the management of the building savings here, what is concerned with the building savings fund and consequently with keeping the balance between deposits and loans. Both...
|
|
|
Legal regulation of building savings
Kurka, Ondřej ; Karfíková, Marie (advisor) ; Bakeš, Milan (referee)
The main purpose of the thesis is to analyse contemporary legal regulations governing the field of building savings in the Czech Republic and recent changes of these legal regulations. The thesis is composed of six chapters, each of them dealing with different aspects of building savings' legal regulation, the introduction, the closing part, lists and annexes. The matters already mentioned above are described in chapters two, three and five. Divided into remaining chapters and within the capacity limits, the thesis also includes secondary issues, such as the evolution of building savings and its legal regulation in Europe and in the Czech Republic in connection with the description of changes made to the legal regulations rather long time ago and followed by research of the practical application of these legal regulations. The aim of the thesis is to complete pieces of knowledge gathered from the legal regulations, from practical research and from my two years expirience as a building savings commercial broker and create an integrated thesis that is transparent and complete from different angles of view. Conclusions are drawn particularly in the closing part of the thesis where are briefly summarized the author's opinions on problems described in each chapter.
|
|
|
The condition and development of market with building savings in the Czech Republic
Jakubec, Milan ; Prášilová, Marie (advisor) ; Svobodová, Jitka (referee)
The bachelor thesis deals with building savings market in the Czech Republic. It introduces the basic principle of building savings schemes, briefly describes their history, explains the basic concepts of building savings and also focuses on the relevant legislation. It provides an overview of basic information on all building savings banks operating in the Czech market. The practical part of the thesis contains a statistical analysis and prognosis for building savings in the Czech Republic on the basis of selected indicators of building savings in the period 2009-2014. These selected indicators are newly concluded contracts on building savings, the average target amount for newly concluded building savings contracts, building savings contracts in the saving phase, the saved amount, the number of loans, the volume of loans and the ratio of the volume of loans and the saved amount. Time series related statistical methods have been used for evaluation. The dynamics of the individual indicators is placed in the context of factors that cause them. Prognosis reveals the expected development of the indicators in the next year. In its conclusion, the thesis evaluates the status and development of the building savings market in the Czech Republic, assesses its prospects and estimates its further development.
|
|
|
Development and status of building savings in the Czech Republic and its prospects
Košatová, Eva ; Prášilová, Marie (advisor) ; Kudlík, Michal (referee)
The bachelor thesis deals with development and status of building savings in the Czech Republic and its prospects since the year 2000 until 2014. Development of the building savings in these years was influenced mainly by the legal amendments related to building savings which regulated amount of the government benefits. Through elementary characteristics of time series, there has been done analysis of the chosen indicators during fifteen years. This analysis also enabled a prediction of further development in the next time period. Among the indicators of the building savings were selected the number of new contracts and the average target sum, the contracts of building savings in the savings phase and the amount saved, the paid out government benefits and the average government benefit related to the contracts of the building savings, as well as the number and volume of provided loans and the rate of the volume of the loans altogether and the amount saved. The analysis was used for establishing of proposals and recommendation of the building savings in the Czech Republic.
|
|
|
Analysis of the Building Savings Market in the Czech Republic and its prospects
Holec, Jiří ; Prášilová, Marie (advisor) ; Kříž, Josef (referee)
Building savings is a good way of financing citizens housing needs. This thesis deals with a statistical analysis of the building savings market in the Czech Republic. Using elementary characteristics of time series it analyzes the number of new contracts, including an increase in the target amounts since 2000, which shows the impact of legislative changes that have affected the product. In great detail it also analyzes the business results of several building societies in the years 2010-2015, which involves the number of new contracts, including an increase in the target amount, the volume of target amounts, the number and volume of new loans. Based on the behavior of these indicators in recent years a possible development in 2016 is predicted. The conclusion presents suggestions and recommendations for a further development of savings in a building society.
|
|
|
Statistical analysis of the market for building savings in the Czech Republic and its perspectives
Poslušná, Aneta ; Prášilová, Marie (advisor) ; Dlubalová, Zuzana (referee)
The subject of the thesis is an analysis the current state of building savings in the Czech Republic and its development in years from 2006 to 2014. In the theoretical part this thesis has general characteristic building savings and basic concepts associated with its. In the practical part this thesis analyses indicators of progress building savings using elemental characteristics of time serie. They are the number of new building savings contracts, contracts in the savings phase, the number of loans, the average target amount for new contracts, the accumulated amount, the proportion of total loans to saved amount and the average state support. Prediction of these indicators in 2017 is calculated using analytical settlement non - periodic time series and then suggestions and recommendations are found for better status of building savings on the market for financial products.
|
|
|
Suggestion of Methods of Housing Financing
Pyrochtová, Barbora ; Tureček, Roman (referee) ; Škapa, Stanislav (advisor)
This thesis deals with analysis of funding one's housing in the Czech Republic and with proposal of this funding in the given, certain conditions. In the first part mortgage loan and building savings are theoretically described. In the second part there is analysis of current situation on the market. Last part is focused on model situation of mortgage loan and building savings loan and reflects on better variation in the particular conditions. Combination of both variations is also mentioned there.
|
|
|
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.
|
|
|
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.
|
guest ::
