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Financial resources for purchasing a residential property
Matoušek, Josef ; Bejšovec, Jaroslav (referee) ; Staněk, Roman (advisor)
This diploma thesis deals with financial issues of immovable property acquision. Specifically, the residential property purchase using mortgage. In this context, the suitability of the collateral is being assessed on the basis of a risk assessment. Subsequently, I determine the collateral value of the property using the comparative valuation method. The practical part includes financial records of six banks and an analysis of a selected segment of the residential real estate market. The theoretical part deals with immovable property valuation, the definition of entities in the real estate market and mortgage mechanism. The main output of the practical part is offered mortgage loans comparison and selection the most favourable of them.
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Financial resources for purchasing a residential property
Matoušek, Josef ; Bejšovec, Jaroslav (referee) ; Staněk, Roman (advisor)
This diploma thesis deals with financial issues of immovable property acquision. Specifically, the residential property purchase using mortgage. In this context, the suitability of the collateral is being assessed on the basis of a risk assessment. Subsequently, I determine the collateral value of the property using the comparative valuation method. The practical part includes financial records of six banks and an analysis of a selected segment of the residential real estate market. The theoretical part deals with immovable property valuation, the definition of entities in the real estate market and mortgage mechanism. The main output of the practical part is offered mortgage loans comparison and selection the most favourable of them.
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The real estate appraisal as a collateral
Hakl, František Marian ; Dušek, David (advisor) ; Šrytr, Pavel (referee)
The real estate appraisal within the banking industry is a specific discipline. Hence, there is a lack of theoretical background, especially in the Czech language. The aim of this work has two main parts. Firstly, there are analysed potential valuation bases and concrete approaches which are offered. Secondly, it is focused on practical determination the market value and the collateral value of the real property, regarding the current approaches using in the Czech banking industry.
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The collateral value of real estates
Randík, Jan ; Dušek, David (advisor) ; Šrytr, Pavel (referee)
The aim of this thesis is to define "the collateral value", and also to define the principles that must be observed when is the collateral value determined. All the principles for establishing the collateral value are applied to the valuation of concrete real estate in the Czech Republic. This thesis also seeks to highlight the potential risks that may affect the correct determination of collateral value.
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Development of mortgages and conditions for approval of a credit for physical entities
PEŠKOVÁ, Vendula
The objective of my Diploma Thesis is a comparison of conditions for getting a mortgage credit at more banking institutions, evaluation of investigation among people and evaluation of the current situation of mortgage banking in the Czech Republic and its estimated development. In the theoretical part I describe banking institutions and their position within the mortgage banking sector in the Czech Republic. I further clarify everything comprehended in the mortgage credit for physical entities, its financing, I list essential features of the credit, describe the process, granting and approval of the mortgage credit, drawing and finally its back payment. In the analytical part I briefly characterise three selected banking institutions and further describe individual types of the provided mortgage credits. For my Diploma Thesis I selected the following banks: Raiffeisenbank, a. s., Československá obchodní banka, a. s. (hereinafter referred to as ČSOB, a. s.) and Komerční banka, a. s. (hereinafter referred to as KB, a. s.). I also devoted to a public analysis using questionnaire investigation. For comparison of mortgage conditions I further present 2 practical examples within three selected banking institutions showing advantages and disadvantages of individual banks. In conclusion I selected the most prospective bank for the client. Based on the found out data gathered from initial calculations of individual banks, in my opinion the most perspective bank for the client is ČSOB, a. s.
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