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A comparisin of the providing of mortgage at S & L and at mortgage banks in the Czech Republic
MACEK, Karel
The goal of the submitted thesis ?A comparisin of the providing of mortgage at S & L and at mortgage banks in the Czech Republic? is to analyze the expediency of house-funding by building society account and mortgage credit. The theoretical part is focused on description of every single one house-funding type. It introduces history and present of these products and describe them more deeply. The next part is focused on analysis of the present day of house-funding and the basic criteria for loan granting are defined. Then the credit product supply of selected banks and building societies on Czech market is analyzed. In the practical part the whole issue is demonstrated on 2 complex examples. The advantages and disadvantages of these products were also compared in the last part of the work.
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Financing of the real property in the Czech Republic
TOMÁŠKOVÁ, Pavlína
The aim of this bachelor thesis is to analyze and compare the possibilities of financing the acquisition of the real estate in The Czech Republic. The work is concentrated in mortgages and building savings loans, including bridging loans. Other possibilities of financing are also mentioned. The main aim of this thesis is the analysis and comparation of the advantageousness of these two products. The theoretical part is attended to the characteristics of mentioned forms of financing, especially the characteristics of building savings and mortgage loans, its legislative form, building saving stages and a disposal of the mortgage loan. In the practical part of this work are described possibilities of financing the housing by building savings and mortgages loans, which are offered by slected institutions in our country. The offers of these products are applied in a model comparsion. The advantages and disadvantages of these products are also compared in the last part of the work.
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Monetary developments in the Czech Republic in relation to interest rates
ŠKARDOVÁ, Nikola
The thesis is focused on monetary developments in the Czech Republic. Its main objective is to evaluate this development in relation to interest rates. The theoretical part deals with money market and monetary policy. The second practical part is focused on mapping of monetary developments or specific monetary aggregates, interest rate developments, the amount of credit money and subsequent analysis of the relationship of these variables over the last eleven years. For better clarity, the interest rates and amount of credit money classified according to the type of consumer and type of loan purpose. Statistical data are obtained from the statistical reports of the Czech National Bank
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Comparison condition of mortgage credits grants before and during the economic crisis
MIKEŠOVÁ, Lucie
The goal of this diploma work was comparison the conditions of providing the mortgage loans before and during the financial crisis. In the first part of this work I define the basic parameter of the mortgage loans as a category of this loans, period of interest, interest rate, repaying and ensuring mortgage loans and also state assistaence. In the second part of this work I analyzed the current situation in the mortgage market in the Czech Republic with a period before the financial crisis especially with the year 2007. I also compared the conditions of the concrete mortgage loan from the year 2006 with the year 2012, which provided Hypoteční banka, a.s.In a model comparison I compared offers of mortgage loans in selected banks (Česká spořitelna, a.s, Komerční banka, a.s., Hypoteční banka, a.s, Raiffeisenbank, a.s., and Wüstenrot, a.s. to find out which bank has a best conditions for the applicants for mortgage loans.I compared the mortgage loans for purchase and reconstruction.
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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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Tools used to ensure the exchange rate and interest rate risk
Klípová, Iva ; Votava, Libor (advisor)
The goal of thesis is to clarify the nature of the exchange rate and interest rate risk and the possibility to describe the management of these risks. It represents the individual tools used to ensure the exchange rate and interest rate risk and the specific examples explaining the principle of their functioning. The thesis is divided into three parts - the exchange rate hedging, interest rate hedging and risk management, or a summary of each procedure, a brief guide for managers of companies involved in the risk of fluctuations in exchange rates or interest rates touching. Case studies of specific examples shows the possibilities of treatment of exchange rate risk - the exporter trading currency pair EUR / CZK.
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Taylor Rule and Its Macroeconomics Relations
Mičúch, Marek ; Chytil, Zdeněk (advisor) ; Kupka, Martin (referee) ; Sedláček, Petr (referee)
Despite considerable research on the monetary policy rules, little is known about internal relation between policy rules targets. Research approach frequently consists in estimating parameters or identifying variables to make the rule operate accurately. The overall image that emerges from the literature is that there is no contradiction in attaining the targets once set properly. Dissertation switches attention to mutual feasibility of incorporated targets. To contribute to this strikingly overlooked fact hypothesis is tested. Analyzed are variances of inflation and output representing policy rule targets. Time regression processed throughout OLS technique, gap analysis and calculation of variances are applied as principal analytical tools. Examined are data for 14 countries. Countries are divided into two groups according to size of their economy: small economies (Austria, Belgium, Czech Republic, Hungary, Ireland, The Nederlands and Slovak Republic); large economies (Euro zone, France, Germany, Italy, Spain, Sweden and USA). Results of the analysis show that once monetary authority follows policy rule with multiple targets it faces restriction. Rather than achieving both targets at one time it must respect trade off between them. According to data for selected countries hypothesis is accepted. Variances of output consistently proved to be higher than variances of inflation. Whence it follows that authority need to solve constrained optimization problem. It needs to pick out combination of differently large variances contrary to wining with all reaching low levels.
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Factoring as an Advanced Means of Business Financing in Kubousek, s.r.o. company
Siegelová, Michaela ; Stejskalová, Irena (advisor) ; Zmrhalová, Alena (referee)
This bachelor thesis is called "Factoring as an Advanced Means of Business Financing in KUBOUŠEK s.r.o. Company" and elaborates on the advisability of transferring from the existing model subsisting in bank-overdraft-based financing of the company operations to a model of financing by factoring. Furthermore, it considers the selection of a suitable banking-house as a partner to put this operational financing into action. The resulting outcomes concerning the applicability of factoring compared to the suitability of bank overdraft are general and applicable not only to the KUBOUŠEK s.r.o. Company but also to other similar companies in need of finding a suitable financing method for their business operations. The conclusions in respect to selecting a suitable banking-house are specific for the analyzed company and time limited to the year of 2009 as that is the validity period of the terms and conditions offered by individual banks. The thesis explains in detail the functional principles of factoring. It lists individual types of factoring currently available in the Czech market, with further clarification of general benefits and disadvantages of using the individual types of factoring. The thesis continues to explain the functional principle of bank overdraft as currently used by the analyzed company, listing its general benefits and disadvantages, followed by a comparison of variant types of factoring in selected banks with presence in the Czech Republic. Based on this comparison, one factoring variant and one banking house are selected as the most suitable. The main objective of this thesis is to compare the currently applied variants of bank overdrafts and the selected most suitable factoring services available with the selected bank that KUBOUŠEK s.r.o could use.
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