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Charges Bound to the Mortgage Loan in Individual Financial Institutions
HELLER, Pavel
When closing the mortgage loan, it's usually very difficult to compare offers from various financial institutions only by annual interest rate. The financial institutions often require additional payments and charges. The annual percentage rate of charge allows the customer to evaluate better the advantages or disadvantages of provided mortgage loan. The aim of this work is to compare the advertised interest rate of mortgage loan, annual percentage rate of charge and final rates in individual financial institutions.
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Impact of the REACH, the Regulation of the EU, on the Czech Chemical Industry
Kortová, Kateřina ; Hollmannová, Monika (advisor) ; Martišková, Monika (referee)
In June 2007 the new European law REACH - Regulation, Evaluation, Authorization and Restriction of Chemicals, regulating chemicals and chemical sector, entered into force. This legislative influences the whole manufacturing industry and especially the chemical industry. Bachelor thesis "Impact of the REACH, the Chemical Regulation of the EU, on the Czech Chemical Industry" deals with effects of the implementation of the REACH legislation on the companies operating in the Czech Republic. There are three parts included in this thesis: The historical overview of the development of the chemical sector, concise explanation of the REACH and the fees and charges problem connected with REACH regulation and the analysis of the financial impacts on firms, primarily differences between the groups of the companies according to their sizes.
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Legal regulation of waste management in the Czech Republic
Huml, Miroslav ; Sobotka, Michal (advisor) ; Stejskal, Vojtěch (referee)
English recapitulation of this thesis -Legal regulations of the Waste management in the Czech Republic The main purpose of the thesis is to demonstrate the most important waste management principles in the Czech Republic and in the other European countries. The thesis is divided into 8 chapters. The first chapter deals with a general introduction concerning the topic. It indicates global situation and undesirable influences of deficiencies in the waste management on condition of world seas and oceans. The second chapter considers the waste management as a branch of science activity. This branch was established in 1980s in west European countries, however, 10 years later also in the Czech Republic. The first Parliament Act on the waste management in Czechoslovakia was created in 1991. There were some mistakes and dubiousness in the Act and it was necessary to put them aside before joining the European Union in 2004. Before 2004, this Act had been changed completely two times. The Act of Czech Parliament 185/2001 Sb. went into force on 1st January 2002. Since then, it has been novelized many times according to the European law and is currently responding to the European directives. The third chapter mentions some other acts which are connected with the waste management in the Czech Republic. On the top of...
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Depositary Services
Helcl, Tomáš ; Janda, Karel (advisor) ; Veselá, Jitka (referee)
The thesis deals with the functioning of depositories in the enviroment of the Czech market from the perspective of legislative and practical. The introduction is devoted to directives that make up a harmonized legal framework and the Czech legislativ, which specifically prescribes behaving of depositories. The main part is devoted to the depositary functions, such as operating in the Czech market conditions. This part of work is focused not only on the distribution of the depositary market, but also on the collected amount of the fees, the efficiency of regulation in the real market enviroment and in the importace of depositories in the Czech market. The final section is devoted to the findings, including the final assessment of the depositaries. As a first of its kind, this thesis gives a comprehensive view of activity of depositories and their importace for the Czech market, as the depositaries represent entities that control whether funds act in accordance with the legislation. Depository oversees as to prevent fraud and to qualified investors or collective investment contributed to the further development of the capital market, which is necessary for the further development of all economic sectors.
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Legal issues of waste sorting in the Czech Republic in 2015
Pinkasová, Monika ; Kadlecová, Eva (advisor) ; Pavla, Pavla (referee)
To analyze a current legislation of waste management is the main aim of this diploma thesis. It is focused on sorting of municipal waste. Theoretical part deals with historical development of waste management, a present Act on Waste and other special legal regulations. Attention is paid to the Act amendment which includes new obligations about sorting metal and biodegradable municipal waste from January 2015. The next part of this thesis predicts the legislation progress and waste sorting in the future. The results of two surveys are interpreted then. The first one affects public opinion and activity in the sorting of metal and bio-waste. The next one monitors the attitude of municipalities to their new legal obligations in waste treatment.
The survey found that one third of citizens does not know new waste sorting methods, so they do not engage in sorting of metal neither bio-waste. There were identified the worst segments, women and young people 18-29 years old. The next detected problem is that the municipalities use a Civic amenity sites in many cases, which are in a great distance from the citizens. There shall be taken new waste-policy measures in the Czech Republic, within this will not be achieved the EU targets for the year 2020.
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Comparison of the mortgage loans of selected banks
Haladová, Martina ; Burian, Stanislav (advisor) ; Miroslava, Miroslava (referee)
The diploma thesis deals with mortgage loans in the introductory part. There is the
definition of a mortgage loan and listed its basic types. The thesis deals also with process
of provision including the most important requirements: creditworthiness of a client,
securing the loan, amount of the loan, the loan agreement, drawing and repayment of the
loan. Further this work is focused on the price of mortgage loan and other related aspects
such as mortgage bonds, state aid or supplementary loan. In the second part of the thesis
there are presented the basic characteristics and the development of the mortgage market in
the Czech republic. This part also contains the analysis of current offer of mortgage
products by selected banks. The comparison is based on the model example and the most
advantageous mortgage loan is evaluated according to selected criteria.
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The budget of municipality from an economics and legal point of view
Segmüllerová, Andrea ; Korcová, Renata (advisor) ; Civínová, Denisa (referee)
The purpose of this bachelor thesis is to incurred determine the effectiveness of the management of the municipality and analyzed in 2013, 2014 and 2015 revenue and expenditure village of Malé Přítočno. Whether deficits or surpluses incurred, so to determine their causes and find suitable solution, for the community to increase budget revenues, plans to propose the creation of a budget and also using grants for 2016. In the theoretical part is used the definition of terminology regarding to local government. In the practical part that was first described by demographics and geography of the village. By comparing the budgets in individual years, it was found that the economy was effective and its budget in the years 2013 - 2015 always in surplus. Furthermore, it was found that that the municipality could apply for a grant for the wastewater treatment plan according to the Operational Programme Environment, which would give a subsidy from the Cohesion Fund in the amount of up to 85 percent (ie. 27.2 million CZK). The remaining 15 percent (ie. 4.8 million CZK) would have to cover municipality from its budget, but this is not possible, since on the account only has the amount of 2.2 million CZK. Therefor was made a suggestion to increase the revenue of the village by renting the municipal hall.
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Analysis of saving bank accounts and comparison of their offers on the Czech banking market
Richtrová, Lucie ; Steininger, Michal (advisor) ; Aneta, Aneta (referee)
The bachelor thesis is concerning bank accounts, mainly those which are the most favourable, from a client's point of view. The aim of this thesis is to define, compare and contrast savings accounts which are available on the financial market in the Czech Republic. As well as to acquire which are most favourable for clients. In this thesis, there will be defined terms which are directly linked to financial and banking products. Mainly, those which are linked to savings accounts. The first section of this thesis will be based upon a survey which aims at determining which banks are the most reputable in the Czech Republic, plus further information regarding the individual bank accounts of clients. Another section will compare four of the most popular Czech banks: ČSOB, ING Bank, Air Bank and Česká Spořitelna. These institutions are listed according to the following criteria: how much the client benefits from the provided services; the interest rates and further costs directly linked to bank account usage. A non-existent client was created for the purpose of determining how advantageous a savings account is for them based upon which one of the four institutions they used. From the analysis within this thesis arises the conclusion that the best savings account, as well as the most commonly used, was Air Bank.
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The selection of a suitable bank account for students in the Czech Republic
Pacovská, Sára ; Steininger, Michal (advisor) ; Martin, Martin (referee)
The aim is to evaluate the possibility of having a bank account suitable for students in the Czech Republic using the multicriterial analysis and thus identify the most suitable bank account for students.
In the theoretical part the author focuses on the development of the banking sector, current situation on the banking market, the general issues of the Czech banking sector, explanation of basic terms and states the students banking accounts and free of charge banking accounts.
In the practical part the author focuses on the students banking accounts and free of charge banking accounts, summarizes the findings primarily from the websites of the banks. Based on the survey is created the representative student for the unification of the findings and the weights of the selected criteria according to which the banks are evaluated. The gathered information is then analysed using a multicriterial analysis.
There is no possibility to clearly determine the best option, because there is no account that would be the best in all selected criteria. Due to this the four variants of methods are used for the identification of the best account, where the average of all the methods is used at the end. Specifically, account called U konto pro mladé from Unicredit bank is ranked in average in the first place. This is due to the fact that there is no fee for any of the items.
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Development and status of building savings in the Czech Republic and its prospects
Košatová, Eva ; Prášilová, Marie (advisor) ; Kudlík, Michal (referee)
The bachelor thesis deals with development and status of building savings in the Czech Republic and its prospects since the year 2000 until 2014. Development of the building savings in these years was influenced mainly by the legal amendments related to building savings which regulated amount of the government benefits. Through elementary characteristics of time series, there has been done analysis of the chosen indicators during fifteen years. This analysis also enabled a prediction of further development in the next time period. Among the indicators of the building savings were selected the number of new contracts and the average target sum, the contracts of building savings in the savings phase and the amount saved, the paid out government benefits and the average government benefit related to the contracts of the building savings, as well as the number and volume of provided loans and the rate of the volume of the loans altogether and the amount saved. The analysis was used for establishing of proposals and recommendation of the building savings in the Czech Republic.
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