Spelling suggestions: "subject:"mortgage credit"" "subject:"ortgage credit""
1 |
A Mixed-Method Case Study of Swedish Loan Officers' Mortgage Credit DecisionsEkberg, Leonard January 2022 (has links)
This thesis purpose was to examine to what extent and why loan officers’ judgment influence mortgage credit decisions. A mixed method was used to collect primary data from loan officers’ at a Swedish commercial bank. Quantitative data were collected from 39 loan officers answering an identical mortgage application, and qualitative data were collected from interviews held with five loan officers. The findings showed a considerable inconsistency among the loan officers' mortgage credit decisions and that judgment plays a vital role in the decision-making process. The credit amount granted ranged from SEK 4.25 million to 5.6 million, whereas the charged interest rate ranged from 40 to 51 basis points across four fixed interest periods. Overall, the findings can be understood by loan officers’ lacked explicit rules controlling the relationship between assessing data presented in the mortgage application and which credit decisions they should make. The theoretical contribution of the thesis is to enhance our understanding of how loan officers make credit decisions and the role of judgment in the process. The research findings imply that households should expect large variations in offered credit amounts and interest rates, depending on which loan officer managing their loan application.
|
2 |
Analýza vlivu trhu úvěrových derivátů na soudobou globální finanční krizi a kapitálovou přiměřenost amerických bankovních holdingů / Analysis of impact of the credit derivatives market on current financial crisis and capital adequacy of the american banking holdingsBaigarin, Nadir January 2004 (has links)
This dissertation analyzes key features of credit derivatives market, basic risks of the products and trends the market has experienced for several years since its inception, discusses regulatory issues of the market with regard to the Basel II treatment and key reasons for investors using credit derivatives. Dissertation also examines whether and how credit derivatives affected current financial turmoil, analyzes credit derivatives losses of selected institutions on the financial markets and compares them with total losses of these institutions. The main result of the work is that there was no substantial effect of the credit derivatives market on the current financial crisis. Dissertation also examines whether there is any connection between U.S. banks credit derivatives trades and their capital adequacy ratio. According to the analysis, there is no evidence for credit derivatives to essentially affect capital adequacy ratio of U.S. banks. A potential explanation for the higher values of U.S. banks' capital adequacy ratio may be that there are sophisticated risk management strategies banks have been implicating for many years.
|
3 |
Souvislosti hospodářského cyklu a vývoje na trhu s hypotéčními úvěry / Connection between the economy cycle and the development on the mortgage credit marketKábelková, Lenka January 2011 (has links)
The diploma thesis deals with the connection between the economy cycle and the development on the mortgage credit market since 2000 until 2010. Mainly it focuses on the problematic of the effectiveness of the currency policy and on the analysis of the main determinants, which leads to the mortgage crisis. The aim of the thesis is to assess the determinants of the credit cycle and their connection with the development of the economy cycle. The main indicator that influence the credit cycle will be analyzed. On the basis of the gained information I will answer the question whether there should exist some strategy of the state in the field of accommodation and whether the currency policy should be controlled according to same rules or rather discretionally. As for the methodology, the descriptive method, the comparative analysis, the trend line and the technique of the deviations from the trend will be applied.
|
4 |
Modely splácení hypoték - srovnání situace v ČR a v zahraničí / MODELS OF BACK-PAYMENT MORTGAGE - COMPARISION OF CZECH REPUBLIC AND ABROADNOVOTNÁ, Miroslava January 2007 (has links)
My graduation theses write about models of back-payment mortgage. I compare situation of Czech Republic and abroad.
|
5 |
Možnosti financování hypoték po vypršení období fixace úrokové sazby. / The possibilities of financing a mortgage credit after expiration of the fixing interest rate term.FARSKÁ, Lucie January 2009 (has links)
After expiration of fixing period, not only amount of interest rate, but also other opening costs and fees figure prominently in making decisions about next steps and practices. There are many products of not only mortgage banks, but also of building societies on the market currently. Both institutions compete each other and still try to attract new clients. The aim of my thesis was to inform in general about problems of mortgage credits and building savings. In this thesis I described basic aspects of financial market products and differences between them.
|
6 |
Bubliny na trzích aktiv jako důsledek měnové expanze a dopad na trh s nemovitostmi / The bubbles on the asset market as the effect of monetary expansion and the impact to the real estate marketKoutníková, Andrea January 2008 (has links)
This thesis focuses on the progress of the real estate prices and the growing debt of households in the Czech Republic. Real estate prices are an important indicator of an economic activity in economy. The question of the inhabitancy is fundamental for majority of households. There was recorded an expressive growth of self -- living in the real estate market and the mortgage credit market in past years. I identify individual factors which impact to the market and appoint their importance. For the analysis is important to set off the subjects on the market because each subjekt is determinated of individual factors with different intensity.
|
7 |
Příčiny a důsledky hypoteční krize v USA / Causes and impcats of the mortgage crisis in the USASádlo, Miroslav January 2008 (has links)
The theme of this thesis is the mortgage crisis in the United States which has started almost two years before after the burst of a price bubble in the American residential real estate market. The aim of the thesis is to analyze causes and implications of this crisis. The theoretical part of the thesis follows characteristics of the asset price bubbles. In this part is also a description of three theories: Austrian business cycle theory, Hyman Minsky's financial instability hypothesis and the theory of Robert Shiller, which interpret causes of bubbles in a variety of ways. The analytical part deals with causes and impacts of the crisis. As the key factors of the crisis are examined mortgage credit expansion, monetary policy of central bank, securitization as an innovation in financial markets and the role of the psychological factors. The last chapter of the thesis analyses impacts of the crisis on the homeowners, real estate market, the whole economy and global financial markets.
|
8 |
Problematika hypotečního úvěrování v České republice / The Mortgage market in the Czech RepublicHammerová, Jitka January 2008 (has links)
The aim of this diploma paper is to describe the mortgage market in the Czech Republic. Firstly, I have analysed the general situation which is connected with the issue of providing the mortgage credit in the Czech Republic. The next point is the analysis of market of flats and support of the flat's market. One of this product is mortgage credit. I have analysed the main economic values such as mortgage credit, mortgage interest, classified mortgage credit, business cycle, etc. Especially I discussed the household sector because we can see the biggest growth there. Finally, I have compared the mortgage market in the Czech Republic, in the European Union and in the United States of America. The mortgage crisis in the USA is an ongoing economic problem and it caused a global financial crisis during 2007 -- 2008.
|
9 |
Trh hypotéčních úvěrů / Market of Mortgage CreditsKrulová, Jitka January 2009 (has links)
Thesis "Market of Mortgage Credits"deals with analysis of the market development of own living loans since 1995 and the analysis and comparison of the most frequently used forms of the own living financing in the Czech Republic. These are mortgage loans, building savings loans and mutual combination of these products. Individual products are compared according to the selected criteria, that have major impact on decision about the appropriate way of own living financing.. On the base of the results the recommendations for own living financing in present mortgage market in the Czech Republic are provided.
|
10 |
Vývoj hypotéčního trhu ČR a jeho změny v důsledku finanční krize / Development of the Czech mortgage lending market and its change due to financial crisisTvrdík, Lukáš January 2012 (has links)
The thesis is focused on mortgage lending market in Czech republic. The main objective is to analyze the complete development of the market and evaluate the impact of financial crisis. Thesis also discloses the main factors, that can cause an impact on mortgage credits demand and points out the significance of the mortage lending in the economy.
|
Page generated in 0.1233 seconds