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Methodical Procedure for Transferring Membership Rights and Obligations in a Cooperative Flat
Kellnerová, Gabriela ; Gardášová, Alena (referee) ; Komosná, Milada (advisor)
The thesis deals with the issue of co-operative ownership of immovable property and the specifics of its financing through a mortgage loan. The first part of the thesis contains an explanation of basic terms concerning housing cooperatives, mortgage loans and the overall process of purchase and financing of immovable property. The second part of the thesis then evaluates the optimal financing of a particular cooperative apartment, taking into account the risks associated with it. The conclusion of the thesis contains recommendations for reducing the analyzed risks, both from the perspective of the applicant and from the perspective of the bank.
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Financing possibilities of real estate
Šiklová, Aneta ; Barvová, Ivona (referee) ; Kocourková, Gabriela (advisor)
This bachelor thesis discusses the possibilities of property financing and basic investment opportunities. The aim of this thesis is informing of basic products, which can be used for purchasing of the property and subsequently introduction of means by which is possible to reduce financial costs associated with liability borrowing. The first part is theoretical. It describes options of property financing by natural and legal person then. Followed by description of mortgage loan, savings plan for housing loan and basic investment options. In second - practical part are these fact-findings applied to specific example of buying an apartment. Optimal solution of financing is select, thanks to liability with financial means assistance.
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An assessment of the financial effectiveness in purchase of own flat as possible alternatives of housing
Adámek, Pavel ; Kocourková, Gabriela (referee) ; Vaňková, Lucie (advisor)
The aim of this thesis is the first part to gather theoretical and methodological knowledge about sources of funding in their own home and family planning personal finances. In the second part are then used to build the knowledge model situations three types of funding for each property separately. Produced models are primarily based on a comparison of the total financial cost and burden on the family budget. Consequently, the aim of using these evaluation and based on other findings in the final stage to propose recommendations that option purchase their own property will be best for the family.
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Possibilities of financing the real estate purchase
Sýkorová, Dana ; Kocourková, Gabriela (referee) ; Vaňková, Lucie (advisor)
This bachelor thesis introduces the possibilities of real estate financing. The main goal of the current work is to acquaint with the basic products which can be used for financing of the real estate. The real estate register will be discussed and explanation of the purpose of this institution will be given. The thesis is focused on financing of real estate by individuals. The first part of the work deals with financing by own resources, where the description of savings, gifts and heritage is pronounced. Consequently, possibilities of financing with the use of bank products, such as mortgage loan, building society, and consumer loan, will be presented. In the next chapter of the first part, evolution of the interest rate of mortgage loan and the state aid of building society will be shown. In the second part, model of financing of particular real estate with optimal solution will be described.
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Real Estate Financing from the Investor's Perspective
Svobodová, Petra ; Pospíšilová,, Barbora (referee) ; Vítková, Eva (advisor)
The thesis is focused on the the real estate financing. In the theoretical part, the participants on the real estate market are introduced, as well as the types of real estates basic housing data in the Czech Republic. The theoretical part conclude the possible ways of financing. The major part of the last chapter in the theoretical part is building savings and the mortgage loan negotiated with a commercial bank. The case study deals with the fictitious purchase of an apartment. The selection of the apartment category was based on the definition of the statistical data describing the development of the demanded categories of the apartment. The apartment can be financed in three different ways, which are described in the previous part of the thesis. Finally, there is the most appropriate funding method selected.
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Methodical Procedure for Transferring Membership Rights and Obligations in a Cooperative Flat
Kellnerová, Gabriela ; Gardášová, Alena (referee) ; Komosná, Milada (advisor)
The thesis deals with the issue of co-operative ownership of immovable property and the specifics of its financing through a mortgage loan. The first part of the thesis contains an explanation of basic terms concerning housing cooperatives, mortgage loans and the overall process of purchase and financing of immovable property. The second part of the thesis then evaluates the optimal financing of a particular cooperative apartment, taking into account the risks associated with it. The conclusion of the thesis contains recommendations for reducing the analyzed risks, both from the perspective of the applicant and from the perspective of the bank.
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Real Estate Financing from the Investor's Perspective
Svobodová, Petra ; Pospíšilová,, Barbora (referee) ; Vítková, Eva (advisor)
The thesis is focused on the the real estate financing. In the theoretical part, the participants on the real estate market are introduced, as well as the types of real estates basic housing data in the Czech Republic. The theoretical part conclude the possible ways of financing. The major part of the last chapter in the theoretical part is building savings and the mortgage loan negotiated with a commercial bank. The case study deals with the fictitious purchase of an apartment. The selection of the apartment category was based on the definition of the statistical data describing the development of the demanded categories of the apartment. The apartment can be financed in three different ways, which are described in the previous part of the thesis. Finally, there is the most appropriate funding method selected.
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Possibilities of financing the real estate purchase
Sýkorová, Dana ; Kocourková, Gabriela (referee) ; Vaňková, Lucie (advisor)
This bachelor thesis introduces the possibilities of real estate financing. The main goal of the current work is to acquaint with the basic products which can be used for financing of the real estate. The real estate register will be discussed and explanation of the purpose of this institution will be given. The thesis is focused on financing of real estate by individuals. The first part of the work deals with financing by own resources, where the description of savings, gifts and heritage is pronounced. Consequently, possibilities of financing with the use of bank products, such as mortgage loan, building society, and consumer loan, will be presented. In the next chapter of the first part, evolution of the interest rate of mortgage loan and the state aid of building society will be shown. In the second part, model of financing of particular real estate with optimal solution will be described.
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