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Possible options for financing the housing needs
Prachařová, Petra ; Zetek, Pavel (advisor)
The aim of my work is to acquaint the readers with options of home financing. The first chapter features the prons and cons of housing rent and living in your own. Most of the work is devoted to theoretical definition of two products, which are most frequently used in case of financing of living in your own -- building savings and mortgage loan. Relevant legislation, rules for granting and other necessary information are mentioned in both products. Theoretical knowledge is transferred into practise in model situation. Generally it can not be definitely identified, which option of financing is preferable. In described, concrete case the mortgage works out cheaper from the perspective of monthly income.
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Financing of housing
Jiřičková, Martina ; Zámečník, Petr (advisor) ; Gavčík, Jiří (referee)
My bachelor thesis deals with prospects of building financing in the Czech Republic. I focus primarily on the mortgage and its main characteristics. Credits of building societes, i.e. building savings loans and bridging loans are also listed in my thesis. The aim of this final paper is to analyse the current offer of mortgage products on the market. I compared these products in terms of the most important variables, such as the interest rate or charges connected with mortgages. In the final part I created a model example which summarizes previous findings and analyses the most advantageous products on the Czech mortgage market.
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Mortgage loans and their analysis on the Czech Republic market
Vrublová, Eva ; Brada, Jaroslav (advisor)
This thesis deals with mortgage loans and their analysis on the Czech Republic market. In the first part legal aspects regulating mortgage loans are mentioned, followed by the fundamental characteristic and essence of mortgage loans and value of clients problems in the end of this part. The second part is focused on advantages and disadvantages which mortgage loans provide. Mainly low interest rates, tax allowance and other possibilities of advantages provided by the state are stated. The last part deals with analysis of mortgage products of four banks. The analysis compares interest rates, bank loan amount, fixation period, charges and bank's approach to value of clients. The complete evaluation is made by two fictive households applying for mortgage loan, each with different criteria. The objective of my thesis is to choose the most optimal mortgage loan for these two households.
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Comparing the actual APRC and APRC reported by banks
Prenerová, Monika ; Kiovský, Tomáš (advisor)
The bachelor thesis is focused on a non-specific purpose mortgages,known also as an American Mortgage. The objective of this thesis is to create an overview of the mortage arrangement process and determine whether the banks state true APRC of American Morgage. The theoretical part contains a description of the mortgage loans and the mortage arrangement process. The practical part deals with comparing the actual APRC and APRC reported by banks and how banks compliance information duty. Keywords: mortgage loan, American Mortgage, APRC, interest rate, interest rate fixation
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The development of the mortgage market in the Czech Republic
Tran Thi, Thanh Nga ; Blahová, Naděžda (advisor)
This bachelor thesis focuses on the development of the mortgage market in the Czech Republic. The first chapter defines the basic concepts of mortgage banking, which are essential for understanding current trends. In this chapter, there is also a brief history of mortgage banking in the Czech Republic. The second, main part is devoted to analyzing the development of the mortgage market in the Czech Republic in the years 2006 - 2010 and the first quarter of 2011. The third chapter offers possibilities for prevention and solution of insolvency.
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Interactions of real estate and mortgage market
Hylský, Slavomír ; Půlpánová, Stanislava (advisor)
This work is focused on relationships between real estate and mortgage market. It deals with the issue of how banks affect real estate market by providing loans to developers companies to building-up and retail customers to purchase real estate. Work also describes the facts that the markets have occurred in 2007-2010, analyzing the causes of these facts and examines the behaviour of organizations, which markets perform.
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The impact of tax reform on the market of mortgage bonds
Homolová, Ivana ; Radová, Jarmila (advisor)
This thesis presents the financial instruments of mortgage bonds, their characteristics, properties, and especially close links with mortgage lending, which is also devoted one chapter. Most of the work deals with problems of development of mortgage bonds in the years 2002-2010 in the Czech Republic. In this period took place as the global mortgage crisis and the important tax reform, which abolished the exemption from income tax on the proceeds of mortgage bonds. The work is an effort to explain the impact of these factors on the market of mortgage bonds, which are not entirely clear.
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The mortgage market in the Czech Republic
Sadílková, Hana ; Arltová, Markéta (advisor) ; Bubáková, Petra (referee)
The aim of this thesis is to describe Czech mortgage market and follow its development from the beginning till now. This thesis does not contain only description of mortgages, but also gives the demographical overview of regions and mortgages analyses provided by competitive banks. Following attention is dedicated to "Hypoteční banka, a.s.", which was the first on the Czech market and this bank is still the number one, following by competitors. This thesis is focused on its strategy, with the detailed description of financial results. Thesis also contains tables and graphical analyses for easier understanding and clear overview.
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Development of mortgages and conditions for approval of a credit for physical entities
PEŠKOVÁ, Vendula
The objective of my Diploma Thesis is a comparison of conditions for getting a mortgage credit at more banking institutions, evaluation of investigation among people and evaluation of the current situation of mortgage banking in the Czech Republic and its estimated development. In the theoretical part I describe banking institutions and their position within the mortgage banking sector in the Czech Republic. I further clarify everything comprehended in the mortgage credit for physical entities, its financing, I list essential features of the credit, describe the process, granting and approval of the mortgage credit, drawing and finally its back payment. In the analytical part I briefly characterise three selected banking institutions and further describe individual types of the provided mortgage credits. For my Diploma Thesis I selected the following banks: Raiffeisenbank, a. s., Československá obchodní banka, a. s. (hereinafter referred to as ČSOB, a. s.) and Komerční banka, a. s. (hereinafter referred to as KB, a. s.). I also devoted to a public analysis using questionnaire investigation. For comparison of mortgage conditions I further present 2 practical examples within three selected banking institutions showing advantages and disadvantages of individual banks. In conclusion I selected the most prospective bank for the client. Based on the found out data gathered from initial calculations of individual banks, in my opinion the most perspective bank for the client is ČSOB, a. s.
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