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This diploma thesis is focused on mortgage loan as a product for financing own housing and on analysis of development of mortgage loans depending on macroeconomic indicators. The thesis also includes definition of the most important risks related to mortgage loan, connection with real estate market, importance of property lien and forms of national financial aid of financing housing. At the conclusion of the thesis illustrative case showing choice of appropriate mortgage loan is mentioned.

Структура магистерской диссертации включает в себя введение, три главы, заключение, список использованных источников. В первой главе рассмотрены теоретические аспекты ипотечного кредитования в коммерческом банке. Во второй главе исследован рынок ипотечного жилищного кредитования в современной России, в том числе показана деятельность регионального банка на данном рынке. В третьей главе предложены обоснованные пути дальнейшего совершенствования механизмов ипотеки для населения. В заключении сформированы основные выводы. / The structure of the master's thesis includes an introduction, three chapters, a conclusion, and a list of sources used. The first chapter examines the theoretical aspects of mortgage lending in a commercial bank. The second chapter examines the housing mortgage lending market in modern Russia, including showing the activities of a regional bank in this market. The third chapter proposes substantiated ways to further improve mortgage mechanisms for the population. In conclusion, the main conclusions are drawn.

Le consommateur d’immeuble est, ce qu’il est convenu d’appeler, un oxymore juridique. L’oxymore est une figure de rhétorique qui se définit comme le résultat d’une alliance de mots apparemment contradictoires. Derrière cette figure, apparaît l'illustration d'un jeu de relation entre le droit de la consommation et le droit immobilier. L’immeuble et le droit de la consommation entretiennent des relations fondées sur l'exclusion de l’un par l’autre. L’objet de cette étude se propose de préciser d’abord l’étendue et les modalités de cette exclusion. Il convient, ensuite, de s’attacher aux diverses causes qui sont à l’origine d’un tel rejet. L’immeuble présente une spécificité qui l’exclut de l’objet d’un rapport de consommation, et réciproquement, le rapport de consommation contient des particularités qui le différencient du contrat immobilier. Toutefois, une deuxième analyse permet de démontrer l’influence du droit de la consommation sur le statut de l’immeuble. D’une part, le logement est devenu, sous l’évolution de la société, un objet de consommation, induisant l’application d’un régime de consommation de logement spécifique. Le législateur a introduit, en matière immobilière, des dispositions d’inspiration consumériste, tout en les adaptant à la spécificité de l’immeuble. D’autre part, l'immeuble entre en contact avec le droit de la consommation. La transformation de l’immeuble en simple réserve d’argent et l’interdépendance des contrats de consommation et des contrats immobiliers apparaissent comme la confirmation de l’influence mutuelle entre le droit de la consommation et le droit immobilier. Toutefois, une telle confirmation est, sur certains aspects, nuancée. / The building consumer is, what is called, a legal oxymoron. The oxymoron is a figure of speech which is defined as the result of a combination of seemingly contradictory words. Behind this figure appears to illustrate a relationship game between consumer law and real estate law. The building and consumer law have relations based on the exclusion of one by the other. The purpose of this study is to first specify the scope and modalities of this exclusion. It is appropriate, then, to focus on the various causes that give rise to such a release. The building has a specificity that excludes the subject of a report of consumption, and vice versa, the consumer report contains features that differentiate the real estate contract. However, a second analysis can show the influence of consumer law on the status of the building. First, housing has become, in the evolution of society, an object of consumption, leading to the application of a specific housing consumption regime. The legislator introduced in real estate matters, the consumerist inspiration provisions, while adapting them to the specific nature of the building. Furthermore, the building is in contact with the consumer law. The transformation of the building in single cash reserve and interdependence of consumer contracts and real estate contracts appear as confirmation of the mutual influence between consumer law and real estate law. However, such confirmation is, in some respects, nuanced.

This diploma thesis „Financing options for housing in the Czech Republic“ is focused on the issues connected with financing one´s own housing. The goal of this work is mainly to introduce the issues and possibilities of financing housing of the citizens of the Czech Republic, analyze products that could be used while financing housing and compare the costs of financing housing, while using different bank products. In the theoretical part of the work, we obtain knowledge intentions and developments of housing policy in the Czech Republic; we clearly introduce with the products that are helpful while financing housing and their combinations. Insurance products are also mentioned in the thesis. Those products can protect citizens against unwanted influences during the period when they pay off their loans. We can also find here the recent development of loan products and bank market in the Czech Republic, its current offers and overview of its products, from which citizens can choose the most suitable one for their needs. Practical part of the thesis deals with the comparison and research in the least costly way of financing housing in three different time horizons with the help of one product or a combination of products.