Dostupnost bydlení

Abstract

This bachelor thesis deals with the evaluation of housing affordability in the regions of the Czech Republic and its consequences for the corporate sphere, primarily in the area of human capital stabilization. The main objective of the thesis is to analyze regional price and income disparities and quantify their real impact on the disposable income of employees. The applied research method is mathematical-statistical modeling applied to a stress-test scenario of a family budget (household 2+1), through which a comprehensive set of nine relative affordability indicators (incl. HARW, HSI, DSTI, and PTI) is empirically tested. The analysis demonstrates that metropolitan regions with the highest nominal wage levels exhibit a critical degree of financial stress and deteriorated creditworthiness, thereby eliminating the wage advantage. Conversely, regions with lower real estate price levels, represented in the model by the Moravian-Silesian Region, show a demonstrably higher level of residual income and represent a more macroeconomically stable environment. The conclusions of the thesis include a proposal for the implementation of the findings into strategic human resource management, particularly through personnel benchmarking, targeted employer branding, and the tax-efficient reallocation of wage funds into non-financial housing benefits.