Analýza finanční dostupnosti vlastnického bydlení v krajích České republiky

Abstract

This thesis focuses on analysing the financial affordability of homeownership. in the individual regions of the Czech Republic. The aim of this thesis is to evaluate the financial affordability of homeownership in the individual regions of the Czech Republic in the fourth quarter of 2023 and to evaluate and compare the situation in the Moravian-Silesian Region, the Olomouc Region, the Capital City of Prague and the Czech Republic as a whole in the time period from the first quarter of 2014 to the fourth quarter of 2023. The thesis focuses on the factors affecting the financial affordability of homeownership such as property prices, avarage wages, interest rates of loans, inflation and unemployment. Based on these economical factors, this thesis predicts the development of flat prices in 2024 and 2025. The evaluation of the financial affordability of homeownership is realized with the use of price-to-income (P/I) and dept-to-income (D/I) indicators and a summary indicator Ik that is used to form the final order of the regions in the terms of the financial affordability of homeownership. Used methods include comparative analysis and the regression and corelation analysis. The results show that while the highest financial affordability of homeownership is in the Ústí nad Labem, the Karlovy Vary and the Moravian-Silesian Region, the lowest is in the Capital City of Prague, the Central Bohemian Region and the South Moravian Region. The growing trend of flat prices is still predicted in 2024 and 2025. In concluion, the of financial affordability of homeownership in the Czech Republic has been facing a longterm detoriation, which may cause significant social and economic problems.