Browsing by Author "Sakař, Petr"
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- ItemFinancování bydlení(Technická Univerzita v Liberci, 2008) Sakař, Petr; Landorová, AndělaThe diploma thesis deals with financing of housing. It is divided into several areas. At first it describes the contemporary situation in the Czech residential market. It deals with flat funds, flat building, accessability to housing, and with demographic and other social aspects of residential market. Further it deals with legal framework and supporting programs of housing, as well. Some acquisition procedures how to get own flat or family house are indicated. The important part of diploma study gives attention to financial resources used for housing. It analyses mortgage credits and saving for building in more details. Loans and subsidies from the State Fund of housing development are considered, as well as consumer loans and other kinds of credit. Some combination possibilities of mortgage loans with other products such as saving for building or capital life insurance are examined. In the last chapter there is tenancy and proprietary housing financed by bank loans compared.