Analýza zákona o spotřebitelském úvěru a komparace hypotečních úvěrů v České republice

Abstract

The bachelor thesis is focused on comparison and determination of the most acceptable mortgage loans that are provided in the Czech Republic for a pre-defined client and on the impact analysis of the new Act No. 257/2016 Sb., on Consumer Credit. The introductory part of the work is dedicated to development of mortgage banking including an analysis of costumer credit directive and the characteristics of mortgage loans, where it is possible categorization of mortgages, various ways to establish the loan and possible ways of drawing and repayment of mortgage loans are introduced at the beginning. The next section describes the methodology of multi-criteria decision making, including methods of multi-criteria evaluation of alternatives, based on which we assess the sequence of all variants and criteria. The final part is dedicated to a case study which simulates a situation for loan applying pre-defined client. The thesis provides a comparison of mortgage loans that are offered in the Czech Republic, through financial indicators and multi-criteria analysis. Results are evaluated and based on them the best option for our client is chosen.