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Determination of Optimum Parameters for Loans in the Real Estate Market and Their Practical Use in the Future
Panajotovová, Monika ; Fajkus, Jiří (referee) ; Škapa, Stanislav (advisor)
This master´s thesis examines the development of real estate financing in relation to the credit crunch. Accordnig to main causes of fluctuations in history, comparing interest rates, mortgage loans, property development and investment in time, it models the evolution of optimal interest rates of real estate market. The loans’ optimal parameters with combination of types of bank financing in the real estate market with regard to its sustainable development as a separate and independent global market with strong inclusion among the other market sectors, are formed there. In this dissertation the analysis of financing methods will be used, comparative method of commercial banks‘ interest rate and analysis of commercial interest rates‘ structure. The result of the work we expect to be optimistic, realistic and pessimistic scenarios of futher development of real estate finance market and the model of the optimal interest rates‘ structure.
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Determination of Optimum Parameters for Loans in the Real Estate Market and Their Practical Use in the Future
Panajotovová, Monika ; Fajkus, Jiří (referee) ; Škapa, Stanislav (advisor)
This master´s thesis examines the development of real estate financing in relation to the credit crunch. Accordnig to main causes of fluctuations in history, comparing interest rates, mortgage loans, property development and investment in time, it models the evolution of optimal interest rates of real estate market. The loans’ optimal parameters with combination of types of bank financing in the real estate market with regard to its sustainable development as a separate and independent global market with strong inclusion among the other market sectors, are formed there. In this dissertation the analysis of financing methods will be used, comparative method of commercial banks‘ interest rate and analysis of commercial interest rates‘ structure. The result of the work we expect to be optimistic, realistic and pessimistic scenarios of futher development of real estate finance market and the model of the optimal interest rates‘ structure.
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Analysis of bank mortgage products in the Czech Republic
Kadorík, Martin ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
This thesis deals with the analysis of bank mortgage lending in the Czech Republic. The basis of this analysis is a theoretical setting out the specifics of mortgage loans and analysis of all parts of the credit process. Subsequently, following the same principle, are analyzed specific mortgage products of a selected commercial banks. The thesis examines a course of the credit process for each client's products, their characteristics and conditions placed on the client. The thesis also deals with the analysis of interest rate and volume of mortgages in the context of changes in market interest rates and credit volumes in the economy.
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The mortgage crisis in the USA
Oslanec, Roman ; Šaroch, Stanislav (advisor) ; Bič, Josef (referee)
This bachelor thesis focuses on a problem of a mortgage crisis present in USA. It presents main problems connected with the current crisis situation at the mortgage market through standards of issuing new mortgages i.e. prime and subprime. It attempts to get closer look at the process of issuing the mortgages and tries analyze the conditions which have led to improper work of the system. Thesis deals also with the questions of appraisal and his/her appraisal standards. These eased appraisal standards of real estates could be considered also as one of the causes of current mortgage crisis. In the end, american companies Fannie Mae and Freddie Mac are presented with their history and current status. To sum up, this bachelor thesis attempts to grant a look at the conditions of both the mortgage and the real estate market and tries to analyze the causes and reasons which led to the contemporary crisis.
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The causes of american mortgage and global financial crisis
Julinová, Karolína ; Kuncl, Martin (advisor) ; Žúdel, Branislav (referee)
The main goal of my work is to identify the causes of financial crisis, their analysis and explanation. The work, in its particular sections, focuses on the process of securitization, as well as on development on american mortgage market. The causes are identified in the chronological order. The work also explains why the crisis could have grew up so simply and what are the main effects on global economy worldwide.
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