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Differences in Real Estate Financing Between Mortgage Bank and Building Savings Bank
Bednářová, Veronika ; Škrobáková, Vladimíra (referee) ; Ptáček, Roman (advisor)
This thesis is focused on the evaluation of suitable alternatives for funding of own housing for specific model examples of clients and purposes. In the theoretical part there are defined the concepts associated with mortgages and building savings. The theoretical part is focused on the current trend in the market of mortgage financing in the Czech Republic. It also contains a prediction of further developments in the field of loan financing. In the practical part the theory is used for analyzing the offers of financial institutions and there is also selected an appropriate way of financing.
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Differences in Real Estate Financing Between Mortgage Bank and Building Savings Bank
Bednářová, Veronika ; Škrobáková, Vladimíra (referee) ; Ptáček, Roman (advisor)
This thesis is focused on the evaluation of suitable alternatives for funding of own housing for specific model examples of clients and purposes. In the theoretical part there are defined the concepts associated with mortgages and building savings. The theoretical part is focused on the current trend in the market of mortgage financing in the Czech Republic. It also contains a prediction of further developments in the field of loan financing. In the practical part the theory is used for analyzing the offers of financial institutions and there is also selected an appropriate way of financing.
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The comparison of housing credits from building societies and mortgage banks in the Czech Republic
HANŽLÍKOVÁ, Petra
The purpose of this work is to compare providing loans on housing from buildings society and mortgage banks in Czech republic and to process specific cases for households. The purpose of this work was to collect data, analyse and calculate them. From this collected data and calculations were drawn conclusions. Best possible choice of loans on housing for all of the model examples were found by conducted analysis. It was found out that offer from mortgage loans on housing of mortgage banks suits to all model examples conveniently than loans of building savings of building society. It is suitable for this work to take it as recommendation for people, who think about arranging their own household.
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Analysis of the mortgage market in the Czech Republic
Jurošová, Andrea ; Blahová, Naděžda (advisor) ; Brada, Jaroslav (referee)
This thesis attempts to provide a comprehensive picture of the mortgage loans that are used in order to be invested in housing. First of all, the development of the Czech mortgage market since its inception to the present is described. Focus is put especially on the characteristics of the mortgage loan, its various types and also on the conditions of its provision. Next chapter is dedicated to a detailed description of the mortgage lending process. For the practical section of this thesis a questionnaire and a model-based example that was presented in several banks was used. Subsequently, their offers were precisely evaluated.
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The process of mortgage lending in the Czech Republic
Brůček, Tomáš ; Půlpánová, Stanislava (advisor) ; Vacek, Vladislav (referee)
The thesis is focused on the process of mortgage lending in the Czech Republic, especially from client's perspective. In the first part of the text it is described the characteristics of mortgage having emphasis on post-revolution period. In the second part there is an analysis of stages of the credit relationship between the client and the bank. This chapter also contains a comparison of mortgage products from two banking institutions - Hypoteční banka, a.s. and UniCredit Bank Czech Republic, a.s.
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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.
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