|
|
Comparison of the Mortgage Loans Market in the CR and UK
Rozinková, Iva ; Horčička, Aleš (referee) ; Hanušová, Helena (advisor)
Tato diplomová práce se zabývá hypotečními trhy v České Republice a Spojeném Království. Porovnává faktory působící na funkci těchto trhů. Tyto faktory jsou vybrány na základě PEST analýzy. Cílem diplomové práce je popsat a porovnat tyto faktory na obou trzích za účelem jejich ohodnocení a navržení kroků ke zlepšení situace. Úspěšné a perspektivní stránky jednoho trhu jsou brány jako vzor pro nástroje, které by zlepšili situaci na trhu druhém.
|
|
|
Hypoteční trh v České republice a ve Španělsku
Zajdová, Klára
Zajdová K. Mortgage markets in the Czech republic and Spain. Bachelor thesis. Brno: PEF MENDELU, 2013. This thesis evaluates and compares mortgage market, both in the Czech Republic and Spain, in course of the last five years. In addition, this work contains comparison of mortgage products of selected bank institutions in above mentioned countries. A comparative study is done based on pre-defined model example.
|
|
|
Hypotekárne úvery v krajinách Vyšehradskej štvorky
Rudinská, Helena
This thesis describes the development of mortgage loans and the mortgage market in the Visegrad group countries over the past 10 years. The thesis has two main purposes, the first one being to identify the factors that influence the development of mortgage loans. The second one is to test the presence of respective quantities and to determinate the factors that have the biggest influence on the mortgage credit market. The beginning part describes the basic features of the mortgage loans and the division of mortgage loans, the legislative conditions of the mortgage market and the current overview of the mortgage market in all four countries of the Visegrad group and the brief characteristics of the Visegrad group countries. The analytic part is focused on examination of the mortgage credit dependency on the inflation rate, the unemployment rate and the interest rate using correlation analysis. The monitored period is between 2006 and 2016. The data were taken quarterly.
|
|
|
Faktory vplývajúce na objem poskytnutých hypotekárnych úverov v krajinách V4
Jurašková, Ľudmila
The diploma thesis is focused on identifying factors affecting the volume of mortgage loans provided in the Visegrad Group countries. Multiple regression analysis is used to determine main factors affecting volume of mortgage loans in each country and estimation of models. Panel data analysis is used to estimate common factors affecting volume of mortgage loans within all member countries.
|
|
|
Mortgage markets and their comparison in Czech Republic and Russia
Tkachenko, Evgeniy ; Mazáček, David (advisor) ; Radová, Jarmila (referee)
This bachelor thesis was focused on a topic that is undoubtedly very important nowadays - it is a mortgage market. The first part of the bachelor thesis is focused on the mortgage market theory, its key aspects and description of several different mortgage types.. The second part of the bachelor thesis was already dedicated to research on mortgage market in the Czech republic and Russia underlying the capital cities of both countries and its comparison. The aim of this thesis is to analyze mortgage products in the Czech Republic and Russia, analyze the development of interest rates for a given product and to define differences between products between the two countries. The work clearly pointed out that the situation in the mortgage market is much better in he Czech Republic than in Russia (resp. in Prague than in Moscow) - the proportion of the payment of average salary, interest rates, or inflation expectations are lower than in Russia. Furthermore, it is concluded that the volume of mortgage loans and interest rates is affected by the local GDP.
|
|
|
Development of the mortgage market in the Czech Republic
Nováková, Nela ; Blahová, Naďa (advisor)
Bachelor thesis is focused on the development and characteristics of the mortgage market and mortgage loans in the Czech Republic. The aim of the work is to descripe and explain the development of the mortgage market between 2005 and 2016. Thesis includes characteristics of the mortgage loan as well as a brief overview of the state support granted by the state to the mortgage loans. Furthermore, the work describes the most important changes in the mortgage market which occured at the end of 2016 and at the beginning of 2017 due to the new Consumer Credit Act and recommendations of CNB. Part of the thesis describes the dependence of the volume of mortgage loans on the interest rate by the correlation coefficient. The conclusion focuses on the evaluation of the work and possible future development in the mortgage market.
|
|
|
Real estate as investment
Damborská, Lucie ; Vacek, Vladislav (advisor) ; Mazáček, David (referee)
This bachelor thesis discusses real estates as investment assets. In the beginning, I define in which part of the market is investor, considering real estate purchase, situated. Present situation on real estate and mortgage markets is specified afterwards. In the next parts, I describe typical real estate investor and give an example on his investment instrument, apartment in Prague city center. I state, enumerate and when possible optimize all the expenses that should be considered by investor. Next chapter is concerned by revenues. In the rest of the thesis, I perform and comment profitability calculations of particular scenarios.
|
|
|
Mortgage Loans and Methods of Their Financing in the Czech Republic
Vaněk, Ladislav ; Brada, Jaroslav (advisor) ; Kováč, Michal (referee)
This bachelor thesis deals with mortgage loans in the Czech Republic. Its goal is to characterize the mortgage loan, include it among banking products and outline the perspective of a client, a bank and a regulator. Other goals include analysis of the mortgage market development and selected influencing determinants. The first chapter describes the progress of mortgage lending especially on development in the Czech Republic from 1990 to the present. The following chapter includes the theoretical definition of the mortgage loan, explaining its significance and inclusion in the system of banking products. There is an example of rescheduling with tables - explaining the influence of the interest rate and the repayment period on the total cost of the mortgage loan. The third chapter deals with the financing of the mortgage loan from the bank point of view, focusing on mortgage bonds. The last chapter focuses on performance determinants influencing the evolution of the mortgage market. Subsequently, an econometric model is used to study their impact on the development of the mortgage market.
|
|
|
Development of interest rates in the mortgage market in the Czech Republic between 2006-2016
Ditrichová, Gabriela ; Strejček, Ivo (advisor) ; Klement, Josef (referee)
This bachelor's thesis is focused on the development of interest rates in the mortgage market in the Czech Republic in the decade between 2006 and 2016. A strong economic growth between 2006 and 2007, which had positive effects in the mortgage loan market, was followed by a deep slump in the form of global financial crisis unleashed by speculations in the real estate market in the U.S. The main aim of the work is based on the development of mortgage interest rates and the significant factors that affect their amount - to verify or disprove the hypothesis that interest rates respond to changes of these factors. The results confirm the hypothesis only in certain areas. The influence of changes of interest rates has been proven in the case of inflation and discount rates by usage of the econometric model. Factors that have not shown a significant direct influence of interest rates may have an indirect influence on their change.
|
|
|
Mortgage Market in the Czech Republic
Čurdová, Šárka ; Maier, Tomáš (advisor) ; Jan, Jan (referee)
Diploma thesis with the theme "Mortgage market in Czech Republic" has its objective in characterizing and analyzing the development of mortgage market from its beginning to the present situation. There is described the history and common characteristic of mortgage banking in the first part. There are also stated all related legal standards.
There is described further procedure and particular phases which has to be completed by each mortgage loan applicant in the next chapter. Next chapter is focused on description of mortgage loan drawdown and its repayment. In the end of this chapter there is comparison of interest rate development and the mortgage loan volume according to the fixture time. Concurrently there is analyzed influence of interest rate to the volume of mortgage loans.
Last but on chapter analyzes all relevant cost related to a mortgage loan application. Everything coming out from the previous analysis is put into the context with the results of my survey. Based on that the conclusions about impact of costs on number of mortgage loan applicatons are made. Final chapter compares individual bank offers and analyzes all possible factors which impacts final results.
|
guest ::
