Financování bydlení domácností

Abstract

This thesis focuses on the financing of housing households. It describes the current state policy of housing, its guidelines, tools, subjects and goals in the period of years 2005 - 2010. Furthermore, the most widely used sources of financing of home ownership - mortgage loans and construction loans. In the main, fourth chapter, I solved in a model situation of four different types of representative households with average incomes in the Moravia region, the options to purchase an apartment of an appropriate size for the average price in Ostrava using the loans. The fifth chapter summarizes the results of the bank´s and building societies’ internal software data and evaluates the possibilities to obtain a loan with the interest rates and amount of payments due over a period of 25 years compared to the advantages of ownership and rental housing. In this work, I found that the families with children and with average incomes, are not creditworthy clients for bank´s and that they are neither able to finance owner-occupied housing in the old areas nor in the new buildings. They can obtain individual housing only in form of rented apartment or when their savings or substantial increasing of income lets them to request the loan.