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Building savings - legal and economic issues
Janďourková, Petra ; Vondráčková, Pavlína (advisor) ; Novotný, Petr (referee)
The purpose of my thesis is to describe the bank product building savings, especially to focuse on legal and economical problems. The thesis is composed of seven chapters, each of them dealing with different aspects of building savings. Chapter One mentions the history of buildings savings, its origin and development. Chapter Two includes a list of the relevant Czech legislation, which is connected with Czech system of building savings. Chapter Three is introductory and defines basic terminology used in the thesis, as the savings phase, the loan phase, bridging loans or regular loans. Chapter Four focuses on the building savings bank as the special banks, whose business activities are restricted. Chapter Five describes the savings phase of the building savings, primarily the contract. The subchapters point out closing, changing and terminating the contracts and presents participants in building savings. Chapter Six deals with the problems of loan providing and closing the loan contracts. Because the purpose of the existence of building savings is to finance housing for as many people as possible, especially by providing loans, the main part of the thesis focuses right on the loans. The building savings banks provide two kinds of loans, bridging loans and regular loans. Chapter Seven analyzes the...
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