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Comparison of Mortgage Loans with Building Society Loans
Habrová, Marta ; Kovář, František (advisor) ; Dvořák, Jiří (referee)
The present thesis deals with different methods of financing home constructions in the Czech Republic provided through mortgage loans and loans from building societies. In the first part of the thesis, I describe both main products, mentioning briefly their history in the territory of the Czech Republic. The advantages and disadvantages of both options are also pointed out. In the empirical part, I used comparative analysis to compare both products' profitability with respect to the client. The aim of the present thesis is not only to give specific details on the functioning of mortgage loans and building society accounts, but also and most importantly to discover, which one of the studied products is more beneficial for the client, once the client chooses to finance a new home through this kind of products.
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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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Comparison of bulding savings and mortgage loans in Czech republic
Hanáčková, Edita ; Kiovský, Tomáš (advisor)
The aim of this Bachelor's work is to compare the pre-mortgage and mortgage loaning options for housing financing. It presents the most important aspects of each of the products, as well as the advantages and shortcomings. It describes and analyses the current situation on the market for these products in Czech Republic and also highlights important changes, which are introduced in 2011. The conclusions of this work are focused on the comparison of the mortgage and the bridging loan for the modeling example.
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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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Building savings {--} present and future development
STRNADOVÁ, Helena
There are two basic possibilities of financing housing {--} a building society loan or a mortgage loan. The aim of the work is to present an information outline for prospective loan or mortgage applicants which would provide them with all necessary information and help them to understand the wide range of loan and mortgage products offered in the market. The theoretical part of the work introduces basic principles of loan with building societies and mortgages offered by banks together with the history outline of these products in the Czech Republic. At the beginning the practical part of the thesis focuses on development of building savings in the Czech Republic. The application part deals with a comparison of various loan and mortgage products offered by Česká spořitelna. First of all there is presented a comparison in general level. The analysis should help potential clients to find the right solution of housing problem regarding their financial situation and the character of their housing investment. One section of the work is devoted to a comparison of building savings in the Czech Republic and in the Austria.
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Financing of the real property
BRUSOVÁ, Pavlína
The topic of this diploma work is "Financing of the real property''. The aim of this work is comparing the possibilities of financing the acquisition of the real estate by the building savings and by the mortgage loan with the aim of an interpretation the most optimal form of the financing of the real property for the client which suits his conditions. The theoretical part is attended to the characteristics of the forms of financing the acquisition of real property, especially the characteristic of building savings and mortgage loan, its legislative form, building saving stages and a disposal of the mortgage loan. In the practical part of this work are the theoretical recourses applied with the intention of a model interested person in acquiring property. There are also described possibilities of financing the housing by building savings and mortgage loans, which are offered by selected institutions for the client. On the basis of these possibilities is made an analysis of the most optimal form of financing the real estate.
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The possibilities of financing a mortgage credit after expiration of the fixing interest rate term.
FARSKÁ, Lucie
After expiration of fixing period, not only amount of interest rate, but also other opening costs and fees figure prominently in making decisions about next steps and practices. There are many products of not only mortgage banks, but also of building societies on the market currently. Both institutions compete each other and still try to attract new clients. The aim of my thesis was to inform in general about problems of mortgage credits and building savings. In this thesis I described basic aspects of financial market products and differences between them.
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Housing Financing
Nováková, Veronika ; Karásková, Hana (advisor) ; Benda, Tomáš (referee)
Bachelor thesis deals with financing their own housing by mortgage loan and building savings loan. First part describes loans theoretically. In the second part is a virtually example of application loans - flat purchase. In conclusion you can find, which loan is better for the flat purchase.
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Market of Mortgage Credits
Krulová, Jitka ; Votava, Libor (advisor) ; Šiška, Ladislav (referee)
Thesis "Market of Mortgage Credits"deals with analysis of the market development of own living loans since 1995 and the analysis and comparison of the most frequently used forms of the own living financing in the Czech Republic. These are mortgage loans, building savings loans and mutual combination of these products. Individual products are compared according to the selected criteria, that have major impact on decision about the appropriate way of own living financing.. On the base of the results the recommendations for own living financing in present mortgage market in the Czech Republic are provided.
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