Komparace hypotečních úvěrů v České republice a Slovenské republice

Abstract

The objective of this thesis is a comparison of mortgage credits designated for financing of living in Czech Republic and in Slovakia. The products of chosen banks are evaluated by specific methods which are directed at financial difficulty of definite option. It is done by the way to choose the most advantageous product for a client who is defined in a paradigmatic example. A theoretic part is dedicated to the characteristic of mortgage credits, it occupies of the typology of mortgage credits, process of arrangement of mortgage credits, drawing of credit, also of paying instalments, interest rate and the other factors. The work elaborates the problems of the state subventions for mortgage credits in Czech Republic and in Slovakia. The thesis folows by theory of mortgage bond and presentation of leaders on the markets with mortgage credits. The mortgage products are tested in application part on the basis of evaluating methods of mortgage credits which are theoretically described in methodological part of thesis. The products are compared on a concrete model example. The result of comparison is a recommendation of advantageous variant for customer from a paradigmatical example. The used comparative methods are comparison of interest rates, amount of annuity, alowing for inflation and time value of money to annuity instalment, monetary risk, state subvence of mortgage credits, total financial costs, annual percentage rate of costs and coefficient increase.