Analýza bankovních úvěrů poskytnutých soukromým subjektům

Abstract

The main target of Graduation these is analysis of bank loans provided to private entities. The first part is consider of explain common concepts, which is join of problems in banking, for example bank, central bank, financial market, products of banking (aktive, pasive and neutral), sorts of loand atc. The Graduation these is concrete oriented on the mortgage loan. Its analyzed of method of discount cost - the present value (PV). It descibes the most important banks charges. The morgage loans are use to financing living things. The government of Czech republic countenance mortgage loands by nontaxable part of a base. There is compare the wage where is apply interests of mortgage loans with wage where is not aplly interests of mortgage loan. There are forms important to recive loan (request of loan, confirmation of earn) and form needed to use interest of loand (form of tax cleared by year).