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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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The mortgage credit and life investment insurance
POSPÍŠILOVÁ, Jana
My bachelor diploma paper is going to deal with the possibility of using the building savings, mortgage credit or combination of mortgage credit and life investment insurance. The main task is to set useful information basis about the products. The theoretical part will serve as the main basis for understanding basic credit rules from building savings, mortgage credit and combinations. The aim of this work is to show the advantages of separate products in dependence on the financial standing and the total excess payment.
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Housing Financing in the Czech Republic
STŘELEČKOVÁ, Lucie
This bachelor thesis is dealing with the different ways, how to finance housing needs in the Czech Republic within one particular financial group. By this group was chosen Česká spořitelna, inc., because it is one of the biggest and most important banks at czech financial market, which offer and provide many products taking care of this problem. One of the possibilities how to obtain some financial resources to solve the housing situation, is establishing of building savings, or more precise bridge loans from these savings. As another choice people can take mortgage credits, loans from national housing developement fund, consumer lendings and a lot more products provided by another different financial groups. In literary background research were presented main possibilities of financing housing needs (loans provided by the building savings and mortgage credits ) and these specifical possibilities were explained. Laws, conditioning the ways of financing these housing needs, were shown there and then other possibilities were characterized. In practical part there is short characteristics of Česká spořitelna, inc. and also description of the offered products. There were made some simulations and tests on these products. Target was to get the most information about these produtcs at model created situation and find out all the advantages and disadvantages of the products and thanks to that be able to recommend suitable product to different clients
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The Bonds and Mortgage Loans Market
PAULUS, Jan
This thesis deals with the problem of banks in connection with mortgage loans and mortgage bonds. Its main aim is the research and analysis ot the market with mortgage bonds and mortgage loans in the Czech and Slovak Republic. The work also takes into concern the so discussed integration of European mortgage markets. The thesis is divided into five chapters. The first two chapters are theoretical and are focused on the legislature and the feature of bonds and mortgage bonds. One of the components is the problem of mortgage banks and mortgage loans. The practical section is divided into three chapters. The first chapter is focused on the position of mortgage banks in the Czech and Slovak Republics in the framework of the bank´s sector in the given country. The banks are evaluated on the basis of economic criteria including balance sheets, net profit, initial capital, capital feasibility, number of branches and number of employees. The final part of this section is the evaluation and comprison of the Czech and Slovak bank sectors and their comparison with the European Union. The second chapter deals with entities conducting in the field of mortgage banking and the evaluation of their position in the framework of the Czech and Slovak Republic. The third chapter evaluates the present state and predicts further developments of the bank market in the area of mortgage bonds and mortgage loans. The problem of the integration of mortgage markets in the European Union is included.
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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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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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The mortgage market in the Czech Republic and in the world: a possitive or negative decision
Friebová, Zuzana ; Jílek, Josef (advisor) ; Burgerová, Jiřina (referee)
Final thesis is concerned on explanation of mortgage market concept in the Czech Republic, in the United States of America and Japan. First part is focused on characterization of mortgage market in general. The second part sets reasons for selection of states and describes theirs brief demographic, geographic, historic and cultural characteristics. Second part is divided into a three smaller sections, which represents analyze of mortgage market in each country. Although the attention is paid on the mortgage market crisis which was born in The United States, we can not forget the interconnection of a world finance sector and be aware of a speed of expansion and potential risk for other world economies.
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The Mortgage market in the Czech Republic
Hammerová, Jitka ; Czesaný, Slavoj (advisor) ; Burgerová, Jiřina (referee)
The aim of this diploma paper is to describe the mortgage market in the Czech Republic. Firstly, I have analysed the general situation which is connected with the issue of providing the mortgage credit in the Czech Republic. The next point is the analysis of market of flats and support of the flat's market. One of this product is mortgage credit. I have analysed the main economic values such as mortgage credit, mortgage interest, classified mortgage credit, business cycle, etc. Especially I discussed the household sector because we can see the biggest growth there. Finally, I have compared the mortgage market in the Czech Republic, in the European Union and in the United States of America. The mortgage crisis in the USA is an ongoing economic problem and it caused a global financial crisis during 2007 -- 2008.
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Causes and impcats of the mortgage crisis in the USA
Sádlo, Miroslav ; Jílek, Josef (advisor) ; Rybáček, Václav (referee)
The theme of this thesis is the mortgage crisis in the United States which has started almost two years before after the burst of a price bubble in the American residential real estate market. The aim of the thesis is to analyze causes and implications of this crisis. The theoretical part of the thesis follows characteristics of the asset price bubbles. In this part is also a description of three theories: Austrian business cycle theory, Hyman Minsky's financial instability hypothesis and the theory of Robert Shiller, which interpret causes of bubbles in a variety of ways. The analytical part deals with causes and impacts of the crisis. As the key factors of the crisis are examined mortgage credit expansion, monetary policy of central bank, securitization as an innovation in financial markets and the role of the psychological factors. The last chapter of the thesis analyses impacts of the crisis on the homeowners, real estate market, the whole economy and global financial markets.
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