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Possibilities of value analysis utilization by selection of mortgage lender
Pískatá, Petra ; Korytárová, Jana (referee) ; Puchýř, Bohumil (advisor)
The aim of this master’s thesis is to find the best type of mortgage loan for several kinds of borrowers. The first part describes personal housing financing, use of loans, use of mortgages in general. At the end of this theoretical part the value analysis is explained as a tool for mortgage lender (or the type of mortgage loan) selection and the way of reaching this goal is defined. Second part is a practical example of how to make decision and find the best choice. It selects the most important criteria and real cash flow is simulated to asset the price of each possibility. Using the discrimination method and efficiency rate the possibilities are ranked. Results are commented on and recommendations are set to every type of client. In conclusion, general method for selection before getting a mortgage is proposed.
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Cooperative Form of Financing of Housing Construction
Holý, Petr ; Gruber, Jan (referee) ; Breinek, Pavel (advisor)
The diploma thesis focus on evaluation of co-operative housing construction as one of the way from current credit crisis of financing of housing construction. Specifies and evaluate individual types of financig of new housing construction and apply it on model example. Evaluation is based on analysis of present circumstances of housing construction and trend of mortgage loans. In this evaluation also looks at subvene of new housing construction. At the same time looks on an alternative of non-profit co-operative housing construction.
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Financial assesment of reconstruction of family home
Krátká, Lucie ; Vrána, Adam (referee) ; Kocourková, Gabriela (advisor)
This thesis deals with the financing of the reconstruction of a family house. A proposal for a possible reconstruction will be made. Based on this proposal, a budget will be drawn from which the amount of funding needed will be developed. The aim of this work is to introduce possible options for financing the reconstruction of a family house and to determine the optimal solution.
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Financing Housing Under the Financial Plan of the Final Client
Pražák, Antonín ; Jál, Lukáš (referee) ; Bočková, Nina (advisor)
This bachelor thesis deals with the financing of housing and with its impacts on creation of the personal financial plan. Two most common products, used for the purpose of housing financing, mortgage loan and building account loan, are compared in the thesis. The thesis further explains, how to achieve savings out of interests during the loan repayment using the optimal financial planning, reserves creation and correct income securing, and how to minimize the threat of loan repayment inability. The solution is depicted on the actual examples.
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The proposal of finance of habitation in new housing quarters
Procházka, Štěpán ; Eigner, Alois (referee) ; Petráš, Jiří (advisor)
This diploma thesis deals with the analysis of available forms of financing of housing in Czech Republic. The attention is basicly concentrated on mortages and loans provided by building society, including bridging loans. There are also mentioned different types of prospects for financing, concretely loans and backing provided by government. The application example shows financial demands of various products and their possible combinations.
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Effect of movements in interest rates on demand for houses and apartments in the Hodonín district
Böhmová, Sabina ; Komosná, Milada (referee) ; Klika, Pavel (advisor)
The aim of the thesis is to assess the impact of interest rate developments on the demand for family homes and apartments in the District of Hodonín. Whether or not the influence is assessed by using the database of family houses and flats in the district by the year 2012. Part of the thesis is also the calculation of the average cost of the framework from a State property and the size of the municipality in which the property is situated, and at the same time, it is examined whether occurs due to lower interest rates to the growth of real estate prices. The necessary information about the level of interest rates for each month and the fixation period are listed from the Czech National Bank. Supporting documents for processing the database actually realized sales from 2012 to provide real estate agents real estate real estate agent REMAX and GAIA.
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