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Factors of overestimation of appraisal prices: analysis of differences between purchase and appraisal prices of apartments in 2019
Sunega, Petr ; Kubala, Petr ; Lux, Martin ; Macek, M.
The content of the study is a comparison of the purchase and appraisal prices of apartments in 2019 and an analysis of the main factors explaining differences between them. Purchase prices were obtained from the records of the State Administration of Land Surveying and Cadastre, and appraisal values from the mortgage lender - Česká spořitelna, a.s., which was also the application guarantor of the project. The aim of the study is primarily to try to answer the question of what were the main factors behind the differences between the purchase and appraisal prices of flats in the Czech Republic in 2019, in which market segments these differences were most pronounced and what could be the potential reasons for these differences.
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Data sources for comparison of purchase prices and appraisal values of residential properties
Sunega, Petr ; Kubala, Petr ; Lux, Martin ; Macek, M.
The content of the study is a description and definition of data on residential properties (including appraisal prices) collected by one of the main mortgage lenders in the Czech Republic, Česká spořitelna, a.s., and a description and definition of data on residential properies (including purchase prices) collected and recorded by the State Administration of Land Surveying and Cadastre. The aim of the study is to highlight the problems associated with data collection and analysis, for example, to point out the possibilities of linking them with other (external) data or problems with their filtering and cleaning.
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Possible ways of determining value of Life Insurance Company
Zaderlíková, Šárka ; Janeček, Martin (advisor) ; Bílková, Diana (referee)
This thesis is focused on describing chosen methods used in liabilities valuation of Life Insurance Company. This is the basis for a valuation of whole Insurance Company. Next goal is real valuation of liabilities and the whole company. The value of liabilities is computed with the Market Consistent Embedded Value methodology and valuation of the company is expresed with Appraisal Value, which is currently one of the most widely used methods for valuation of a life Insurance Company. The valuation is based on values of a fictious company, but the used insurance portfolio corresponds with real life data. The valuation is computed in pessimistic, middle and optimistic variant of company development. Closing this thesis is a sensitivity analysis of assumptions, influencing value of MCEV, where a change of the costs and commisions proved to be of most significance.
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