Srovnání stavebního spoření a hypotečních úvěrů v České republice

Abstract

This bachelor’s thesis is focused on a comparation of building saving and mortgages in the Czech Republic. The goal of the bachelor’s thesis is to find the optimal way of own housing financing for a specific natural person using building savings loans and mortgages in the Czech Republic based on the price and the multiple-criteria decision making methods. The thesis is divided into five chapters where the first chapter is the introduction and the fifth chapter is the conclusion. In the second chapter a costumer loan and individual products and their development during last few years are described. The third chapter describes the multiple-criteria decision making methods which are used for the following calculations. The fourth chapter compares the products and their combination using multiple-criteria decision making methods according to set criteria for a specific client. Subsequently, the most financially-advantageous product for own housing financing is determined.