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Financing Options for Housing in the Czech Republic
Benešová, Lucie ; Uhrová, Blanka (referee) ; Ptáček, Roman (advisor)
This diploma thesis deals with the financing options of housing in the Czech Republic with the focus on building society saving accounts and mortgage loans. At first, it explains the basic parameters of these products. Then, the second part is aimed at the possibilities of credit products offered on the market. Finally, the third part shows the representative example of a family and it suggests a possible way to finance their own housing on the basis of assessment of major advantages and disadvantages of credit types.
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Housing market and its financing in Zlín
Karásek, Jiří ; Dvorská, Michaela (referee) ; Ivanička, Koloman (advisor)
This bachelor thesis is focused on the housing market (market for flats) and their financing in the city of Zlin. It is divided into two parts - theoretical and practical. The theoretical part explores basic concepts of living and state concepts of living for the next 8 years. With this is related to the additional support program from the state in the living area. The practical part deals with the housing market in city of Zlín following to the new zoning plan. In conclusion is compiled the concrete financing flat by the help of building savings loan.
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Blue Pyramid Building Society, Inc. Financing for the Construction of a Hous
Loučková, Pavla ; Chytilová, Vladimíra (referee) ; Zeman, Václav (advisor)
The object of main master´s thesis called Blue Pyramid Building Society, Inc. – Financing for the Construction of a House occupies by the credits provided from Blue Pyramid Building Society, Inc. The goal of this study is proposing of a Handbook that should help to financial consultants of Blue Pyramid Building Society, Inc. by the process of a loan for financing for the construction of a house (including acquisition of a lot). In the theoretical part I aim at the general principals of the functioning of the building savings and building savings loans. In the practical part I aim at the process of a loan provided from Blue Pyramid Building Society, Inc. There is processed a proposal of the Handwork. In the final part the Handwork is applied to the specific case from practice to assessment of its operation.
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Blue Pyramid Building Society, Inc. Financing for the Construction of a Hous
Loučková, Pavla ; Chytilová, Vladimíra (referee) ; Zeman, Václav (advisor)
The object of main master´s thesis called Blue Pyramid Building Society, Inc. – Financing for the Construction of a House occupies by the credits provided from Blue Pyramid Building Society, Inc. The goal of this study is proposing of a Handbook that should help to financial consultants of Blue Pyramid Building Society, Inc. by the process of a loan for financing for the construction of a house (including acquisition of a lot). In the theoretical part I aim at the general principals of the functioning of the building savings and building savings loans. In the practical part I aim at the process of a loan provided from Blue Pyramid Building Society, Inc. There is processed a proposal of the Handwork. In the final part the Handwork is applied to the specific case from practice to assessment of its operation.
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Selection of optimal variant for house financing/mortgage refinancing
PILSOVÁ, Lenka
The aim of the bachelor thesis is to select the optimal variant of mortgage loan financing after the end of the previous fixation using the methods of Multiple-criteria decision-making (MCDM). In the practical part is presented a model situation of a particular client, which is based on my personal experience. A set of evaluation criteria and its preferences was selected. The Saatys method, including the Analytic hierarchy process (AHP), is chosen to determine the weights of these criteria as well as the selection of the optimal variant. The set of options includes mortgage loans from existing and competing banks, building savings loans, a combination of a mortgage loan and an investment product, and offset loan.
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Development of building savings product in the Czech Republic
Brothánková, Kamila ; Daňhel, Jaroslav (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis deals with development of a building savings product in the Czech Republic. It introduces basic characteristics of the product, describes current market conditions and prognoses for its future development and mentions a former purpose of its establishment, which was housing issues solution. The theoretical part firstly introduces the Building Savings Act and changes that were implemented on it so far. It also describes a building savings contract, conditions for state financial aid, problems related to purposefulness of the product, defines the terminology used in this thesis and describes individual parts of the product and its advantageous conditions. Later it provides a general description of individual building societies and the building savings products offered by them. In the applicative part of the thesis, a current state of the building savings product is presented and future development prognoses for neighbouring countries are demonstrated.
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Comparative analysis of loans to finance housing
Halász, Stanislav ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
My thesis focuses on the analysis of financial instruments suitable to finance own housing available in the Czech Republic, especially on mortgages, building savings loans and consumer loans, from the client's perspective. The first chapter presents these three selected options, describes them along with their most important parameters. The second chapter presents three main financial groups in the Czech Republic alongside with their selected products. Individual products are compared and evaluated using preselected examples: buying a property and a reconstruction. Last chapter describes the most common influences on the demand for loan products to finance own housing and analyses them, focusing on the interest rates and the inflation rate.
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