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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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Analysis of changes in the building savings sector
Peichlová, Soňa ; Hradil, Dušan (advisor)
This thesis is focused on building savings as a financial product suitable to evaluate the savings. The main topic was to analyze the effect of changes in law novels of the building savings on financial subjects in Czech market and impact on clients contracting at different times under different conditions. A sub-objective was to examine the profitability of products provided by building and loan association. The thesis is divided into an explanatory theory of the product itself and its history. Legislative change, including implemented amendments is mentioned in this thesis. The practical part examines the impact of changes to building and loan associations and clients.
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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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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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Analysis of state aid of financial products
Mizera, Petr ; Hradil, Dušan (advisor)
This bachelor thesis is dedicated to the state aid of financial products and its role in the Czech Republic. Analysis of state aid is focused on products building savings, additional pension insurance, life insurance and loans for house purchase. Product support is important for the client as appreciation of a financial product, it is the competitive advantage of the financial institution in the financial market, the state serves as a tool to achieve goals in public policy and the state aid is applicated more in the Czech Republic than in the Slovak Republic.
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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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Savings products and their combination offered to individuals
Krop, Filip ; Radová, Jarmila (advisor)
The aim of this bachelor's thesis is to analyze certain types of savings products offered on the Czech to individuals and to find the best of them. Then combine these products to maximize profit. The emphasis was put on comparing these products to Building Savings, which has recently come through many changes. In addition to Building Savings, it's dealt with savings accounts and term deposits. The first part focuses on general characteristics of the products. The second analytical part deals with the calculations of the profits of selected products and with comparing them with the valuation of liquidity.
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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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