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Comparison of the Requirements for Getting a Loan from Building Society
Procházka, Martin ; Kielar, Petr (advisor) ; Noha, Michal (referee)
In my Bachelor's thesis called Comparison of the Requirements for Getting a Loan from Building Society I primarily focus on the issue, whether there is a significant difference between the requirements which a client has to fulfill in order to get a loan. In order to answer this question, I compare the level of difficulty in meeting the requirements of the tariffs which are currently being offered by the Czech building societies on the market. I also compare the tariffs with respect to their SKLV. In the first part I focus on the general introduction of building society and try to emphasize its specifics. After that I look closely at the requirements for a loan and define the terms I will be using in the rest of the paper. I further introduce the tariffs and types of clients I use for the comparison. In the next part I do the comparison of tariffs with respect to the requirements and also the value of SKLV. I came to the conclusion that the individual tariffs differ considerably from one another, especially because they are designed for different optimal regular deposits and meeting the requirements will take various amount of time. Therefore, clients should clarify their preferences and capabilities and choose the tariff that suits them best accordingly.
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Analysis of financing options for housing
Šamánková, Barbora ; Zetek, Pavel (advisor)
This bachelor thesis deals with products, which are used in funding the housing. The thesis aims mainly on these of the products, which are in the Czech Republic most used - building society and mortgage loans. The goal of this thesis is to make a general demarcation of these products and their mutual comparison in a view of costs for client.
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Building savings in competition of financial products on the Czech market
Dopitová, Kristýna ; Křížek, Tomáš (advisor)
The bachelor's thesis concentrates on current situation on the market with building societies' products from natural person's point of view. The theoretical part of the thesis deals with definition of basic concepts, actual changes and other discussed adjustments of building savings in the Czech Republic. Then the theoretical part describes differences between systems of building savings, which are applied in foreign countries. The analytical part focuses on assessment of building savings' competitiveness on the Czech market. Comparison with alternative products is based on author's calculations and conclusions, which are the ground of the prognosis of future development of the building savings in the Czech Republic.
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Analysis of profitability of building savings after legislative changes
Mikošková, Jana ; Zámečník, Petr (advisor) ; Smrčka, Luboš (referee)
This bachelor thesis "Analysis of profitability of building savings after legislative changes" deals with the issue of building savings in the Czech Republic, its legislation since its beginning in 1993, legislative changes which occured in 2003 and 2010, characteristic and advantages and disadvantages for clients in comparison with other comparable bank products. It includes a detailed analysis of the legal framework of building savings to the present. The thesis contains the analysis of building savings in comparison with fixed accounts and mortgages. The aim of the thesis is to evaluate the profitability of building savings after legislative changes and objectively assess current situation.
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Changes in the model building society
Němcová, Jana ; Půlpánová, Stanislava (advisor)
The thesis is aimed at building savings and changes experienced by its models due to changes in legislature ruling this banking product. The aim of the thesis is to cover the development of builing savings within the framework of its existence in the Czech Republic based on amount of contracts concluded the thesis tries to analyse popularity of building saving in relation to changes od the models and their impact. The thesis at the same time compares positives and negatives of individual models of building savings applied on a single saver. Further target is to decide whether a presen saver is more influenced by the actual model valid in the Czech Republic or the choice of one of five institutions providing the service of building savings based on comarison of the products provided by them.
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Building savings
Ladra, Miloš ; Půlpánová, Stanislava (advisor)
Bachelor theis provides a comprehensive overview of the basic characteristics of the building savings product. The second part of this work is focused on the Czech building society market which is characterized by a big amount of sources. The biggest emphasis is put on source problems and the related stability of building societies. The work also provides a summary of a current offer of Czech building socities products and various model situations focusing on the factors affecting revenue.
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Present and Future of Building Savings in the Czech Republic
Pospíšilová, Michaela ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
This thesis deals with the Building Savings in the Czech Republic. It contains a brief overview of the history of Building Savings, explaining the basic concepts and the legislative framework for Building Savings. It analyzes and compares individual building societies and their main products. It examines the publics interest of Building Savings and explores its advantages and disadvantages. The aim of the thesis is to determine what effects will have the latest Amendment to the Act on Building Savings in the future in comparison to past and current developments in Building Savings on the Czech market.
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Analysis of the Building Societies` Products in Czech Republic
Švehlík, Matěj ; Hradil, Dušan (advisor)
This work aims to the existence of the building societies in Czech Republic. It describes conditions of the building societies` products and also the very beginning of the draft of the whole concept. Discourse is divided into two parts. In the first, the analysis of the indicators in Czech republic is performed. The second part tries to answer the questions: "What is the profitability of the savings at the building society?" and "How much does the loan from a buildiung society cost?"
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The development of loan products of building societies in Czech Republic
Nováková, Kateřina ; Jablonský, Petr (advisor)
The bachelor work concerns with the development of loan products of building societies in Czech Republic. The first part describes the historical development of building saving and its regularization. Furthermore I explain basic terms of building saving and there is also closely introduced the market of building saving with its current supply of loan products. The next part mentions the statistical development of last ten years and the comparison with mortgage. The thesis is finished with the evaluation of influence of financial crisis.
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