Hodnocení úvěrové dostupnosti při pořizování bydlení vybraných typů domácností

Abstract

The theme of this thesis is evaluation of credit availability in the acquisition of housing of selected household types. The first part is mainly about public policy in relation to housing with a focus on housing financing in Czech Republic. The second theoretic chapter is about basis for real estate valuation. The aim of this thesis is to evaluate credit availability of selected housing unit for individual types of households. This goal is achieved by two practical parts of the thesis. The first is valuation of property itself, which is a housing unit, so that it is then possible to quantify the required size of the mortgage loan, according to the value of the property. The next practical part defines selected types of households according to the most common standards in the Czech Republic. Then, according to available statistical data, there are assigned incomes and expenses to each household, on the basis of which the possibility of obtaining a loan is then assessed. An important part was also to define the current conditions applicable to applicants for mortgage loans. According to them was evaluated the whole essence of this thesis. One of the main findings was the importance of savings in planning the acquisition of real estate through a mortgage loan, especially because the current conditions in the mortgage market are constantly tightening, and it is often necessary to have at least some of the value of the acquired property already saved. The results of this thesis may inspire further research into housing management options, whether through credit or otherwise.