Determinanty hypotečních úvěrů v České republice

Abstract

The aim of this diploma thesis is to identify the main determinants of mortgage loans and to determine their influence on the volume of newly granted mortgage loans to households in the Czech Republic. The theoretical part describes the characteristics of the mortgage market and the determinant of mortgage loans, including the description of the use of regression models in economics. The practical part of the diploma thesis is focused on the empirical analysis of the determinant of mortgage loans in the Czech Republic, which is done through a multidimensional regression model, using the least squares estimation method. The statistical programs EViews 7 and Stata IC14 are used for analysis. The data for econometric analysis are drawn from the OECD database, the portal of the Ministry for Regional Development of the Czech Republic and Fincentra Hypoindex. The results obtained by estimation were statistically, econometrically and economically verified. On the basis of these results, conclusions were drawn regarding the impact of individual variables on the volume of newly granted mortgage loans to households in the Czech Republic.