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Analysis of the Czech Republic´s Mortgage market and its Situation in time of the Global crisis
Korniienko, Myroslava ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
My thesis is focused on the analysis of the Czech Republic's mortgage market and its situation in time of the global crisis. The first part deals with the theoretical framework in which I define what a financial crisis is, what are it's different types and symptoms. I focus mainly on the American subprime mortgage crisis, which became the starting point of the global financial crisis. I also define the term mortgage, it's main characteristics and types. Then I single out the main factors which influence the Czech Republic's mortgage market. In the second part of my thesis the evolution of the main macroeconomic indicators during the global crisis are described, as well as the situation at housing and mortgage markets in the United Kingdom and the Czech Republic. With the help of statistical analysis main connections and directions of influence on mortgage market were defined.
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Analysis of Czech Mortgage Market and Innovations
Soukupová, Kateřina ; Smrčka, Luboš (advisor) ; Strouhal, Jiří (referee)
The objective of this diploma thesis is to analyse current status of Czech mortgage loan market and estimation of its further developments. The thesis focuses mainly on non-standard mortgage products. Besides interpreting of historical development and available data it uses several other methods. A questionnaire survey provided information on awareness of the public about the non-standard mortgages and the public's opinion on their usability. The survey also helped with understanding of Czech citizens' general needs and opinion in area of home equity financing. Furthermore comparative analysis of Great Britain's market and an interview with a representative of financial advisors who have major role in sale of mortgage loans. Opinions of the financial advisor provided expert view on the non-standard types of mortgages and reasons for their market share. In conclusion, the results from all used methods are summarized into evaluation of Czech mortgage market in general, in regards to innovation and also in regards of potential of individual non-standard mortgage products.
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The impact of the recession on real estate market
JIRKA, Marek
The thesis is divided thematically into two parts. The first part describes the impact of the financial crisis on the Czech real estate market, the effects of bursting financial bubbles and then a recovery in demand in the property market. It also deals with the mortgage market, which has one of the biggest influences on the real estate market. The second, proper part, describes the situation of housing sales development project that begins before the crisis, and outlines how market situation worsened during the crisis and how the developer had to reduce the price of real estate and used other enticements to motivate the demand for purchase.
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Bank risks in the Czech mortgage marketplace
CHALOUPKOVÁ, Barbora
This thesis focuses on banking sector and whether it is able to reduce and if it really reduces bank risks in the mortgage marketplace in conditions of fading economic crisis. It is known that banking business is influenced by events in real economy and these conditions form events on the credit market. The aim of this work is to evaluate bank risks relevance in the mortgage marketplace in the Czech Republic. In the thesis I have defined bank risks and ways of their reduction on the part of the bank. I have also outlined mortgage credit for a natural person, its legal background and conditions for providing it. In the practical part I deal with bank performance to a client while the bank provides the mortgage. In conclusion I have evaluated a situation in a certain area of the Czech Republic and in member countries of European Union. On the basis of international comparison I could then analyse bank risks relevance in the mortgage marketplace in the Czech republic.
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The analysis of factors which influence the mortgage market
PLÁŠILOVÁ, Lenka
This thesis deals with current issues relating to the mortgage market. The aim of the thesis is to analyse factors which influence the mortgage market in the Czech Republic and to describe their influence on the quantities of mortgages within last 10 years (2002-2011). The theoretical part introduces basic concepts related to the mortgage market, the legislation and chosen factors that could have an influence on the quantities of mortgages. Among these factors were chosen GDP, the rate of unemployment, the inflation rate and the interest rate of mortgage loans. One part deals with mortgage crises which came into existence in the USA in 2007 and had an impact on economics of other countries. In practical part there is an introduction into development of chosen factors and then there is finding out whether these factors influence the quantity of mortgages.
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Mortgage market influencing factors analysis
Trtílek, Pavel ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
The diploma paper is focused on mortgage market factors analysis. Furthermore, it deals with the impact of particular macroeconomic values on total volume of provided mortgage loans. The thesis is divided into several parts, commencing with a short hindsight into history and following with basic market characteristics description and their development. The next part analyses the most significant macroeconomic factors and their influence on mortgage loans. Another part illustrates building loans statistics, which may be perceived as a rival product for home financing. The last part is dedicated to temporal series econometric analysis and to either verify or refute the presumed ralations.
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Analysis of the Czech mortgage market and its position in the global crisis
Melounová, Tereza ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
The aim of this thesis is to compare the causes, course and effects of the mortgage crisis and the subsequent financial crisis in the USA and in the Czech Republic in the years 2000-2012. Conclusions comparisons show that the impact of the crisis on the economy of the Czech Republic were milder mainly due to readiness of Czech banks. Furthermore, this work analyzes a model example of choice of parameters mortgage loan from the client's perspective, focusing on the assessment of the advantages of combination mortgages and savings products. Based on the results of this analysis, the combination can be recommended, but with regard to the rates of appreciation achieved when saving resources. If the condition of compensation refinancing costs by the difference in interest rates is satisfied, it is also possible recommended this financial instrument to a qualified client. Finally, we completed the image of the Czech mortgage market by comparing the classical mortgage products in offer of several banks.
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The impact of the global financial crises to the mortgage market of the Czech republic
Jakubec, Michal ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
The aim of the bachelor thesis called "The impact of the global financial crises to the mortgage market of the Czech republic" is to evaluate whether, or how big, had the financial crisis impact on our mortgage market. The first part is theoretical and we will study financial crisis in general and we will also define mortgage loan. In the second part we will look at the beginning of the American mortgage crisis and then we will focus on Czech mortgage market. We will monitor the development of the interest rate, mortgage loan overdue and development of the real estate prices.
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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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