|
| |
|
| |
|
|
Mortgage loan and Hypoindex
Dostálová, Barbora ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
As a topic for my thesis I chose "Mortgage loan and Hypoindex". In the introductory part I am mentioning basic information about a mortgage loan, definitions and problems of mortgage loans themselves. That part has the content to help the readers understand the meaning of a mortgage loan. The second part is focused on Hypoindex and a reader not familiar with the issues and sorting mortgage loans could be confused. For that reason the main part is focused on the term Hypoindex, its origin and development. The final part pays attention to comparison of the attitudes to the index by three sides (institution giving information, the index owner and users).
|
|
|
Comparison condition of mortgage credits grants before and during the economic crisis
MIKEŠOVÁ, Lucie
The goal of this diploma work was comparison the conditions of providing the mortgage loans before and during the financial crisis. In the first part of this work I define the basic parameter of the mortgage loans as a category of this loans, period of interest, interest rate, repaying and ensuring mortgage loans and also state assistaence. In the second part of this work I analyzed the current situation in the mortgage market in the Czech Republic with a period before the financial crisis especially with the year 2007. I also compared the conditions of the concrete mortgage loan from the year 2006 with the year 2012, which provided Hypoteční banka, a.s.In a model comparison I compared offers of mortgage loans in selected banks (Česká spořitelna, a.s, Komerční banka, a.s., Hypoteční banka, a.s, Raiffeisenbank, a.s., and Wüstenrot, a.s. to find out which bank has a best conditions for the applicants for mortgage loans.I compared the mortgage loans for purchase and reconstruction.
|
|
|
Mortgage loans and their financing
Kadeřábková, Renata ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
This thesis deals with the topic of mortgage loans and their financing. The first part of the thesis is devoted to the introduction of the issues and the definition of important concepts. The main part of the thesis is focused on the analysis of the factors that could influence the market for mortgage loans. In total six factors are discussed. The last part of the thesis is devoted to resources that banks use to finance mortgage loans. Here I focused on the issue of mortgage bonds.
|
|
|
The impact of tax reform on the market of mortgage bonds
Homolová, Ivana ; Radová, Jarmila (advisor)
This thesis presents the financial instruments of mortgage bonds, their characteristics, properties, and especially close links with mortgage lending, which is also devoted one chapter. Most of the work deals with problems of development of mortgage bonds in the years 2002-2010 in the Czech Republic. In this period took place as the global mortgage crisis and the important tax reform, which abolished the exemption from income tax on the proceeds of mortgage bonds. The work is an effort to explain the impact of these factors on the market of mortgage bonds, which are not entirely clear.
|
|
|
The Bonds and Mortgage Loans Market
PAULUS, Jan
This thesis deals with the problem of banks in connection with mortgage loans and mortgage bonds. Its main aim is the research and analysis ot the market with mortgage bonds and mortgage loans in the Czech and Slovak Republic. The work also takes into concern the so discussed integration of European mortgage markets. The thesis is divided into five chapters. The first two chapters are theoretical and are focused on the legislature and the feature of bonds and mortgage bonds. One of the components is the problem of mortgage banks and mortgage loans. The practical section is divided into three chapters. The first chapter is focused on the position of mortgage banks in the Czech and Slovak Republics in the framework of the bank´s sector in the given country. The banks are evaluated on the basis of economic criteria including balance sheets, net profit, initial capital, capital feasibility, number of branches and number of employees. The final part of this section is the evaluation and comprison of the Czech and Slovak bank sectors and their comparison with the European Union. The second chapter deals with entities conducting in the field of mortgage banking and the evaluation of their position in the framework of the Czech and Slovak Republic. The third chapter evaluates the present state and predicts further developments of the bank market in the area of mortgage bonds and mortgage loans. The problem of the integration of mortgage markets in the European Union is included.
|
|
|
Development of mortgage loans in the Czech Republic
Cyprysová, Veronika ; Witzany, Jiří (advisor) ; Witzany, Jiří (referee)
This bachelor thesis aims to describe development of mortgage loans in the Czech Republic. General description of mortgages is given in first parts of the work. Their characteristics, properties, history, hedging and also the process of mortgage lending are described. Basic concepts of mortgage bonds and credit risk management are defined. The empirical part contains analysis of the number of mortgages since the early nineties until now. The relationship between the quantity of mortgages and interest rate is described.
|
|
|
Mortgage bonds
Ivanová, Kristína ; Radová, Jarmila (advisor)
This bachelor task deals with mortgage bonds in Czech Republic and in Slovakia from the time when these two independent states were formed in year 1993 till the time of the hypothecary crisis in year 2009. It is mainly the definition of mortgage bonds, further bank duties, which have to fulfill to have the right to emit these mortgage bonds and it is also about the analysis of the environment for the potential buyer. Attention is aimed to actual market conditions, including hypothecary crisis, which itself stroke this environment.
|
guest ::
