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Critical Analysis of Tools for Financing of Housing and their Use.
Imberger, Karin ; Novotná, Veronika (referee) ; Škapa, Stanislav (advisor)
Bachelor thesis is concerning the problematics of housing and it's availability on current market situation. Thesis includes a critical analysis of current housing financing options using various banking products, including self-financing. A survey was used to obtain and statistically process data from the real environment. Housing financing options are then processed as model examples, analyzed in more detail, compared and evaluated according to selected criteria. Based on the data analysis, several types of "model situations" will be created, for which recommendations are formulated
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Suggestion of Housing Financing in the Czech Republic
Nykodýmová, Veronika ; Nykodým, Libor (referee) ; Škapa, Stanislav (advisor)
This work provides a detailed research on the present condition of the residential realty market and possibilities of housing financing. Explanation of basic terms on the major fields of housing financing is covered in the theoretical part. The practical part is focused on analysis of the present condition connected with the above mentioned topic. In addition, a model situation of housing financing is included in the thesis. Both the lease and the purchase of housing are compared.
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The analysis of the influence of the height of mortgage advance payment on an estate price
Skořepová, Marcela ; Vítková, Eva (referee) ; Kocourková, Gabriela (advisor)
There are many ways to finance housing. This thesis deals with the financing of a property by means of mortgage. It focuses on the impact of the down payment on the mortgage in the total price of a new home for a young family. The introduction defines the basic concepts related to mortgage requirements and documents which are necessary for obtaining the loan. In the next section, mortgage is designed for a set of different initial down payments for a particular apartment, and these variants are then evaluated. The work also includes the appraisement of the model apartment and it compares the determined prices with the total price paid by the family, including the costs associated with the mortgage payments. The aim of this thesis is to determine how high the influence of the initial amount of the down payment is on the total price of the apartment.
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Assessment of The Financial Effectiveness in Lease or Purchase of A Flat as Possible Alternatives of Housing
Šindelek, Martin ; Hroníková, Marta (referee) ; Chovancová, Jitka (advisor)
The subject of this thesis is the financial assessment of ownership and rental housing in the country. The theoretical part focuses on the standard living, cash flow planning for household, Czech housing fund and the most attention is paid to the possibilities of financing of own housing. These are mainly mortgage and building savings. In the practical part are applied previous knowledge to the specific case of renting an apartment and buying a flat. Different financing alternatives own housing are also made. Financial efficiency of rent an apartment and own apartment is compared in the long term.
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Business Plan Proposal for a Small Enterprise Offering Financial and Mortgage Services
Placr, Adam ; Pražák, Petr (referee) ; Konečná, Zdeňka (advisor)
This thesis focuses on the establishment of a small business in which financial and mortgage specialist’s work. The main objective of this thesis is, based on the current situation on the financial consultancy market, an analysis of the external environment and a research in establishing and developing a company, to draw up a proposal, using the PERT method, for a procedure for establishing a small business for the financial and credit specialists, such that it is viable and competitive.
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Analysis of the housing market in selected regions of the Czech Republic and evaluation of the advantages of investment in owner-occupied housing
Tollinger, Ondřej ; Matras, Tomáš (referee) ; Kosová, Jaroslava (advisor)
Having a home is one of the most basic human needs and everyone attempts to accommodate this need as well as possible. We consequently decide what approach is most advantageous for our needs - whether to rent a home or whether to buy and own one. If we decide owning a home is the right option, we then have to decide, how to go about purchasing it. Not everyone can afford paying for a property upfront in cash and at that is when banks come into play, lending us money to buy property. This paper focuses on whether having a mortgage is the correct strategy for acquiring a home. This will vary individual to individual based on his or her life goals and other factors. Generally, it can be said that purchasing a home using a mortgage can be advantageous, but the difference between renting and buying on a mortgage might not be that significant. Renting a home does have its own specific advantages, and when one's financial plans are managed correctly, it can be a better option for accomplishing financial independence.
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Economic evaluation of expediency of housing
Lišková, Soňa ; Bartošová, Hana (referee) ; Kocourková, Gabriela (advisor)
The work is aimed to define financial aspect of living, which is determined mainly for young people. The work is especially focused on collecting sources to fund the building of a house for family. The result will be built in Vrádište, Slovakia. The informations and materials will be obtained from Slovak sources. At the next part it'll be comparised with sources from Czech Republic. The aim of the work is to decide on specific pair of young people if they will be able to fund their own construction of house and from which sources of finance. There will be represented examples for financing and following evaluation of the cost linked within.
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Suggestion of a Financial Concept for the Development of a House
Šimek, Pavel ; Pelc, Jiří (referee) ; Škapa, Stanislav (advisor)
The diploma thesis analyzes available methods of financing of a new housing construction with the focus on the possibilities of concurrent investment. The above analysis is demonstrated in a model case study. Practical part contents selection of the products to be analyzed from each evaluated field: suitable mortgage loan, finance market investment, the investment to the alternate heating equipment of the home and photovoltaic power plant. Than demonstrate the possibilities of decreasing the price of the loan with the assistance of concurrent investment into the financial markets or the alternative investment. The risk of investing has been taken into consideration as well. At the end are demonstrated comparative analysis and evaluation of all financing possibilities resulting in suggesting the most suitable method of home loan financing.
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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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Kinds and sources of financing of living
Náglová, Martina ; Stanislav, Doležal (referee) ; Hrabincová, Dagmar (advisor)
The bachelor thesis deals with and explains the basic concepts concerning the financing of living. The aim of this work is to introduce specific kinds, sources and procedures of financing of living and their applicability within a particular project. The first part describes residential resources in the Czech Republic based on the outcome of the Censuses of Population and Housing 2011. The second part is focused on the description and functioning of a mortgage and building saving. The third practical part deals with the application of existing financing products within a particular example.
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