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The analysis of the effects of the new law on consumer credit on Czech Republic's mortgage market
Šándorová, Katarína ; Rajl, Jiří (advisor) ; Plíva, Rostislav (referee)
The main objective of this bachelor thesis is to study and analyse the effects of the new law no. 257/2016, on consumer credit on mortgage market in the Czech Republic. The thesis is describing the legislative framework of this law containing mortgage loans and the current situation on the czech mortgage market. The practical part is focused on an annual percentage rate of charge. It continues with the evaluation of the changes occurred in supply of credit of the selected banks before and after the new consumer credit law has became effective.
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Financial literacy and consumer loans
Lukešová, Martina ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
The Bachelor's thesis deals with problems of financial literacy. The problem with financial literacy is an extensive topic, therefore the paper focuses only on consumer loans which belong to the most used products by citizens. The thesis gives basic information about companies, which offer consumer loans and warn against incorrect financial institutions and loan sharks. One of the chapters dedicates the indicator of advantages of consumer loans. It shows issues of indicator annual percentage rate of expenses (APR) and its importance. Familiarity of those indicators increases financial literacy of citizens and contribute to right decision regarding consumer loan. Another chapter describes refinancing, which enables to make better some of the terms of loans. The final chapter familiarizes with the Navigator of consumer loans, which enables better orientation at market of consumer loans.
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Analysis of consumer loans
PTÁČKOVÁ, Kristýna
The purpose of this thesis is to provide advice to potential applicants for consumer credit on how to navigate in a wide range of loans on the financial market. A potential candidate for a loan was identified as well as an appropriate methodology to be used for comparison of non-purpose loans and then I analyzed the offers of five selected institutions (3 banking and 2 non-banking). The next purpose of this thesis was to design qualifying questionnaire survey focused on consumer loans and confirm the hypothesis that there is no difference between the candidates with lower or higher income with which institutions they apply for a credit.
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The analysis of the APR indicator on the consumer credit
Muzikář, Martin ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
This thesis deals with the analysis of the annual percentage rate (APR) and other key parameters of the consumer credit with regard to observance of the legal rules by major providers of the consumer credit on the Czech credit market. The first part deals with the economic implications of the consumer credit. It focuses mainly on the analysis of the indebtedness of Czech households on the consumer credit market. The second part deals with the legal implications of consumer credit, mainly legal requirements that are imposed on providers of the consumer credit. The third part provides the analysis of the APR indicator on the consumer credit and on the short-term loans. On the basis of the defined consumer credit models is provided the comparison of the APR for each credit both in terms of its compliance with the current legislation and in terms of the provider of the consumer credit. The final part deals with the specific recommendations for the financial literacy development and for the future legislative development.
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