Komparace stavebních spoření a hypotečních úvěrů v České republice

Abstract

Subject of this thesis is the issues of financing own housing. The aim of this work is analysis of the two main financial instruments used to finance own housing, which are mortgage loans and building savings, then their comparison on the basis of the total financial cost and multi-criteria analysis. The result of this work is the optimal product recommendations to finance own housing. The first part describes the legislative area of particular mortgage loans and building savings. The second part is focused on issues of methodology used. In the introduction to the practical part is demonstrated the model example and various products to be compared. Furthermore, in the practical section gives a comparison of individual results and their analysis. Finally, the individual products used to finance their own housing are evaluated.