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Financing of the real property
BRUSOVÁ, Pavlína
The topic of this diploma work is "Financing of the real property''. The aim of this work is comparing the possibilities of financing the acquisition of the real estate by the building savings and by the mortgage loan with the aim of an interpretation the most optimal form of the financing of the real property for the client which suits his conditions. The theoretical part is attended to the characteristics of the forms of financing the acquisition of real property, especially the characteristic of building savings and mortgage loan, its legislative form, building saving stages and a disposal of the mortgage loan. In the practical part of this work are the theoretical recourses applied with the intention of a model interested person in acquiring property. There are also described possibilities of financing the housing by building savings and mortgage loans, which are offered by selected institutions for the client. On the basis of these possibilities is made an analysis of the most optimal form of financing the real estate.
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Development of mortgage loans in the Czech Republic
Cyprysová, Veronika ; Witzany, Jiří (advisor) ; Witzany, Jiří (referee)
This bachelor thesis aims to describe development of mortgage loans in the Czech Republic. General description of mortgages is given in first parts of the work. Their characteristics, properties, history, hedging and also the process of mortgage lending are described. Basic concepts of mortgage bonds and credit risk management are defined. The empirical part contains analysis of the number of mortgages since the early nineties until now. The relationship between the quantity of mortgages and interest rate is described.
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The mortgage lending process in conditions of Czech banking system
Lupínková, Lucie ; Půlpánová, Stanislava (advisor)
This bachelor thesis is concerned with issue of mortgage loan settlement, especially from client's view. Beside introductory chapter that briefly deals with mortgage market and mortgage loan, the thesis contains detailed description of phases of mortgage lending process and elements of customer protection. The practical section is focused on analysis of observance of so-called "mortgage code" by Czech banks and subsequent comparison with analogous analysis of SOS organization in 2007.
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Property valuation
Lučanová, Kateřina ; Drozen, František (advisor) ; Filipová, Vladimíra (referee)
The work is focused on the valuation of real estates. In the theoretical part of the work, firstly, there are explained basic concepts and methods which are used to valuation of real estates. There is also mentioned comparison of valuation regulations and describtion of market of real estates. The practical part of the work deals with market and administrative valuation. The results of both methods are compared in the end to the work.
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Analysis of mortgage loans and factors affecting their development
Kutová, Nikola ; Křížek, Tomáš (advisor)
This work focuses on mortgage loans and the mortgage market in the Czech Republic. In the first part, mortgage loans are outlined from the legislative viewpoint, their parameters and means of financing. Furthermore, the most common types of loans, state aid during debt repayment and individual phases of the mortgage process itself are analysed. The second part focuses on the mortgage market in the Czech Republic, affected by the financial crisis in the U.S. and other credit risks, over the course of the last few years. The final section characterises a model subject. The subject tries to gain a mortgage loan for housing needs on the basis of processed information from previous theoretical sections, and to select the right type of mortgage with favourable conditions, based on appropriate selection criteria.
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The mortgage lending process in the conditions of Czech banking
Slunečková, Ivana ; Hradil, Dušan (advisor)
The theme of this Bachelor is the process of mortgage lending in the conditions of the Czech banking. The objective of the work is to provide readers a comprehensive view of the complexity and the issue of all phases of the process of mortgage loans without having to use other technical literature. The work is seen as seen from the banks, its rights and obligations, and the client that the decision is to apply for a mortgage loan. The entire process is divided into four stages, which are genuine steps individually depth based on continuity in your time.
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The analysis of the mortgage loans development in the Czech Republic and Slovakia
Trtílek, Pavel ; Radová, Jarmila (advisor)
My Bachelor thesis is focused on the mortgage loans development both in the Czech Republic and Slovakia. In the first part I closely describe the history of mortgage loans, the origins of the mortgage banking in the Czech Republic, the economic environment and factors affecting the mortgage market. The second part deals solely with the mortgage loans development. Therefore every particular type of a mortgage loan is examined regarding their progress in time. The end of this chapter defines the impacts of the financial crisis on the mortgage market and an outlook for the future advance. The last chapter copes with the Slovak mortgage market. In this part I explain the differences and dissimilarities in the development in comparison to the Czech Republic.
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