The graduation thesis is focused on personal finance and it is specialized in possibilities of financing own living. Products of building savings and mortgage credits are described in the graduation thesis and they are compared in accordance with RPSN. Further the effect of various parameters to RPSN is searched, especially the credit term of expiration and the size of the credit. In the end some specific examples of financing living are solved. Last part also includes the example of the investment in a real estate by buying a real estate in order to lease it.

The aim of this work is an analysis and classification of product in chosen banking house and its usage and gain for consumers and costumers inclusive point of view. The interrogatory was using to analyze of mortgage credits. This work informs readers about issue of mortgage credit in Czech market including forecasts to expectations. In the following is an adumbration and development in European market. Chosen banking house is Česká spořitelna, a. s., because this bank is considered the greatest provider of mortgage credits in Czech republic. Majority shareholder of this bank is financial group Erste Bank.

Este trabajo de investigación se enfoca en encontrar la relación existente entre la acción de política de desdolarización del Banco Central de Reserva del Perú y el ratio de dolarización de los créditos hipotecarios en el mercado financiero peruano como mecanismo de Política Monetaria. Para ello, se estima mediante metodologías de cointegración empíricas como regresiones lineales y modelos de corrección de errores, con la finalidad de demostrar la existencia de una relación entre la política implementada por el BCRP y el ratio de dolarización de créditos hipotecarios. Los resultados encontrados para el período entre Julio del 2010 a Diciembre del 2019 demuestran que existe una relación negativa de la política frente al ratio de dolarización de los créditos hipotecarios; es decir, el programa de desdolarización del BCRP si tuvo un efecto significativo sobre la dolarización de los créditos hipotecarios en el periodo asignado. Además se evidencia que existe una relación sostenida de equilibrio de largo plazo entre las variables de estudio. / This research focuses on finding the relationship between the de-dollarization policy action of the Central Reserve Bank of Peru and the dollarization of mortgage loans in the Peruvian financial market like mechanism of Monetary politics. For this, it is estimated using empirical cointegration methodologies such as linear regressions and error correction models, in order to demonstrate the existence of a relationship between the policy implemented by the BCRP and the ratio of dollarization of mortgage loans. The results found for the period between July 2010 to December 2019 show that there is a negative relationship between the policy and the dollarization ratio of the mortgage loans; in other words, the BCRP's de-dollarization program did have a significant effect on the dollarization of mortgage loans in the assigned period. Also, it is evident that there is a sustained long-term equilibrium relationship between the used variables. / Trabajo de investigación

The master’s thesis deals with the analysis of the present state, the finding of the contingent deficiencies and the presentation of the improvement suggestions including the concrete measures in granting mortgage credits by Raiffeisenbank, Inc. with a view to advance the competitive strength of the company in the field of mortgage banking. The evaluation and the improvement suggestions are conducted in several component units: in the fields of technical parameters, credit procedure and sales promotions. A partial aim of the thesis concerns the introduction of a new product for the extension of the current supply.