Komparace hypotečních úvěrů v České republice

Abstract

The aim of this thesis is choose the best morgage loan offered by selected banks operating in the Czech Republic for two model clients by using methods of Multi – criteria evaluation of alternatives. Firstly, it defines the nature and types of mortgage loans. The description of the providing process and the possibility of indemnity, interest rate, maturity and repayment of mortgage loans follow. Moreover, the possibilities of providing state support in mortgage lending and mortgage banking development in the Czech Republic are described. The methodology of Multi Criteria Decision Support is then described. The model of Multiple-criteria decision analysis and classification of multi-criterion decision tasks are defined in this part. Additionally, four methods of setting the criteria weights and three methods of Multi-criteria evaluation of alternatives are defined. Two model clients are characterized as well as their requirements are defined in the practical part of the thesis. Furthermore, eight evaluation criterions and six acceptable variations are set. The fixed ratios of individual criterions for both clients are then set and by using two methods, the most appropriate option is selected for each of them. As a compromise choice for both clients the UniCredit Bank was chosen.