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The Creditworthiness of the Client in the Non-banking Entity
Kindl, Tomáš ; MBA, Přemysl Kučera, (referee) ; Ptáček, Roman (advisor)
The topic of the bachelor thesis is lending to individuals with non-banks in the current situation of the Czech Republic. It focuses primarily on the assessment system of individuals nonbank companies and determining the creditworthiness of individuals and conditions of cash loans for existing and new clients. The comparison is made on the basis of analysis of the client's choice nonbank companies.
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Housing Finance through a Combination of Mortgage and Investment
Richter, Jan ; Uchytil, Petr (referee) ; Ptáček, Roman (advisor)
This thesis deals with the financing of private housing in the Czech Republic and in it compared mortgages to specific examples. It explains how it is possible for a timely investment to save on interest and thus also to repay the loan sooner. Equally important is the explanation of how the applicant is to be ensured that in case of risk did not come on the property. The aim is to show prospective borrowers, how can ideally do to all of the above was successful.
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Possibilities of value analysis utilization by selection of mortgage lender
Pískatá, Petra ; Korytárová, Jana (referee) ; Puchýř, Bohumil (advisor)
The aim of this master’s thesis is to find the best type of mortgage loan for several kinds of borrowers. The first part describes personal housing financing, use of loans, use of mortgages in general. At the end of this theoretical part the value analysis is explained as a tool for mortgage lender (or the type of mortgage loan) selection and the way of reaching this goal is defined. Second part is a practical example of how to make decision and find the best choice. It selects the most important criteria and real cash flow is simulated to asset the price of each possibility. Using the discrimination method and efficiency rate the possibilities are ranked. Results are commented on and recommendations are set to every type of client. In conclusion, general method for selection before getting a mortgage is proposed.
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Effect of movements in interest rates on demand for houses and apartments in Brno
Spíchal, Rostislav ; Chládek, Libor (referee) ; Klika, Pavel (advisor)
In this diploma work I deal with the influence of interest rates on mortgage loans for the acquisition of families houses and flats in the city of Brno. In the theoretical part I focus on the basic concepts and laws related to mortgage and real estate market. In the practical part I use the findings from previous chapters and analyze interest rate trends and related factors. In the next part, the real estate market development in the past ten years. In the end I evaluate indicators during the period of ten years from entering the real estate market in Brno and should, in my opinion, a significant influence on the marketability of houses and flats. The final part I deal with the results of my questionnaire, on which I am trying to compile current profile of the typical customer applying for a mortgage loan.
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Optimization of housing finance
Bortlová, Nicol ; Vaňková, Lucie (referee) ; Kocourková, Gabriela (advisor)
The bachelor´s thesis deals with optimization of housing finance. The goal is to find the optimal way of financing the construction of family house for fictional married couple. The terms such as housing, financial sources, mortgage loan, building savings are defined. The following part compares advantageousness of the calculations of the mortgage loans made by individual banking institutions. Secondly, it inquires if it is possible to finance the construction of house from a loan from building savings. At the end of the thesis the optimal way of financing the housing is evaluated.
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Capital market as source financing habitation
Hanák, Petr ; Urbánek, Jiří (referee) ; Sojka, Zdeněk (advisor)
This thesis explores methods of financing real estate. It illustrates the fundamental means of financing as well as various alternate combinations. It primarily focuses on a comparison of methods in an effort to find the optimal choice for a given situation. This thesis will ultimately provide a thorough overview of the real estate market for anyone with an interest in financing residential developments.
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Suggestion of the own Housing Financing
Pecová, Zuzana ; Drtilová, Radka (referee) ; Škapa, Stanislav (advisor)
Bachelor thesis deals with the possibilities of own housing financing in the Czech Republic. It specializes in financing to developer project for a specific natural person the entrepreneur. Aims on individual types of loans used to finance housing and comparisons. It includes more detailed look at the mortgage loan, types of these loans, repayment method, maturity and conditions of obtaining. The practical part deals with the complications that can occur when the actual financing and contains a specific method of solution
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