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Suggestion of the Housing Financing Optimalization
Ambrožová, Helena ; Širůčková, Kateřina (referee) ; Sládková, Jitka (advisor)
This project deals with the analysis of different options of housing financing. The work describes the functioning of the building saving accounts and the mortgage credit together with refunding of the mortgage credit, possibilities of the subvention, comparison and combination of more products, their advantages and disadvantages etc. The practical part of this work includes the model examples and recommendations of the optimal solution of housing financing.
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Financing Options for Housing in the Czech Republic
Poul, Michal ; Vojtěch, Dušan (referee) ; Hanák, Tomáš (advisor)
This diploma thesis „Financing options for housing in the Czech Republic“ is focused on the issues connected with financing one´s own housing. The goal of this work is mainly to introduce the issues and possibilities of financing housing of the citizens of the Czech Republic, analyze products that could be used while financing housing and compare the costs of financing housing, while using different bank products. In the theoretical part of the work, we obtain knowledge intentions and developments of housing policy in the Czech Republic; we clearly introduce with the products that are helpful while financing housing and their combinations. Insurance products are also mentioned in the thesis. Those products can protect citizens against unwanted influences during the period when they pay off their loans. We can also find here the recent development of loan products and bank market in the Czech Republic, its current offers and overview of its products, from which citizens can choose the most suitable one for their needs. Practical part of the thesis deals with the comparison and research in the least costly way of financing housing in three different time horizons with the help of one product or a combination of products.
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Financial Proposal for Thermal Insulation of an Apartment Building
Ratkovská, Lenka ; Pavelková, Zdeňka (referee) ; Zeman, Václav (advisor)
Thesis "FINANCIAL PROPOSAL FOR THERMAL INSULATION OF AN APARTMENT BUILDING" deals with possibilities of financing the reconstruction of panel house, analysis of offers in Czech market and optimal proposal for financing such kind of reconstruction. Theoretical part contains following kinds of financing possibilities: home loan, mortgage, no-purpose credit and not bank loan. Practical part of thesis compares offers from Czech banks. In last part of thesis I propose the optimal financial plan for this reconstruction on base of requirements of supplier of reconstruction and banks conditions.
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