Browsing by Author "Rulfová, Lucie"
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- ItemHypoteční úvěr jako nástroj financování bytové výstavby v České republice(Technická Univerzita v Liberci, 2006) Rulfová, Lucie; Jáčová, HelenaAfter the renewal of the mortgage banking in our country which was made possible mainly by passing of the Act on obligations no. 84/1995 Co., mortgage credit became common and often used means how to obtain own housing. The target of this work is an exploration of the possibilities of financing our own housing by mortgage credits tendered by several mortgage banks. In the opening part of diploma work I aim at detremination of housing problem in The Czech Republic. Here are analysed current housing fund and housing policy of our country in the first place. Afterwards I focus on ordinary charakteristics of mortgage credits, development of mortgage banking and brief description of mortgage market in our republic. In the following part of diploma work I characterise institutions granting mortgage credits in The Czech Republic and their products. I go on with charakteristics of The Komerční banka, a. s., and with structure of its mortgage product portfolio. My work draws the attention to The KB, a. s., because it is the bank having meaningful position on the czech market of mortgage in the total amount of granted credits. The work is concluded by the case studies in which fictious people ask for granting of mortgage credit by The KB, a. s., and its two main competitors.