Thesis (B.Sc)--University of Hong Kong, 2004. / Includes bibliographical references (p. 111-117)

Thesis PlanB (M.S.)--University of Wisconsin--Stout, 2007. / Includes bibliographical references.

The goal of my thesis is to show the possibilities that financial markets offer nowadays in loans area. Interested person has many options to choose from, nevertheless even the basic orientation in these options is difficult. In my thesis I havenť focus only on theoretical princples of function. I have elaborated particular areas to the form of concrete offers, which reader, interested person in a loan, can nowadays get in czech environment. I'm presenting concrete products financial companies and compare them so, that reader can make clear image about quality single products and can indepedently decide, which product is form him the best. Im warning readers on difficulty connected with single solutions, their charges politics and risks.

The object of the Diploma thesis is the analysis of mortgage loan parameters on the Czech market, their subsequent comparison and evaluation of the most advantage variants of housing financing. The thesis also deals with the conditions of mortgage loans providing. The comprarison is made on the most significant providers of mortgage loans, who have controlled in the long term 90 % of the market. Within the Diploma thesis is compared five mortgage products offered by Hypoteční banka, a. s., Česká spořitelna, a. s., Komerční banka, a. s., Raiffeisenbank, a. s. a UniCredit Bank, a. s. For analysis was compiled form that includes parameters, basic interest rates and charges for mortgage loans. The parameters are obtained from external and internal bank materials and structured interviews with mortgage specialists. The evaluation of products is used to assess the flexibility, complexity and costs of particular product. I find Hypotéka České spořitelny to be the most comprehensive and flexible product. The lowest interest rates offer Komerční bank with Hypoteční úvěr Plus and UniCredit Bank with Hypoteční úvěr Individual, the highest interest rates has Hypoteční banka with Hypoteční úvěr do 100 %. Hypotéka Klasik offered by Raiffeisenbank is the charges most gentle, the most demanding on charges is Hypoteční úvěr do 100 % offered by Hypoteční banka. The most advantageous mortgage loan can't be unequivocally evaluated. It depends on whether the client prefers the lowest repayment or the most comprehensive and flexible product by which is possible, for example, pay the extraordinary instalment.

In the mortgage industry, many mortgage lenders cannot manage mortgage workflow systems while meeting and exceeding organizational objectives. Organizations with an above-industry average turnaround time (ATT) to complete a retail mortgage transaction (RMT) from origination to funding experience revenue losses. Grounded in the proposition that mortgage loan purpose (MLP), mortgage loan type (MLT), and subject property type (SPT) impact ATT to complete an RMT, the purpose of this causal-comparative study was to assess the impact of MLP, MLT, and SPT on ATT to complete an RMT. Using archival data records (N = 146) from a selected mortgage institution in the state of Florida, the results of the 2 x 2 x 2 factorial ANOVA showed that there were no main or interaction effects F(5,140) = 0.42, p = .83. Implications for social change include the possibility for mortgage lenders to implement improved workflow processes to reduce costs and improve efficiency metrics and intrinsic value, thereby benefitting organizational stakeholders such as employees and consumers.

The goal of the diploma thesis is to describe stochastic processes in the combination of mortgage loan and fund-linked life insurance, and to construct and analyze suitable mathematical models related to them. The idea of the combination of mortgage loan and fund-linked life insurance consists in serving the debt via paying up the interest only and investing the rest of the instalment within a fund-linked life insurance, instead of amortizing the debt gradually. At the maturity time, the principal sum will be amortized at once, using assets which have been invested within a fund-linked life insurance.

The present thesis deals with different methods of financing home constructions in the Czech Republic provided through mortgage loans and loans from building societies. In the first part of the thesis, I describe both main products, mentioning briefly their history in the territory of the Czech Republic. The advantages and disadvantages of both options are also pointed out. In the empirical part, I used comparative analysis to compare both products' profitability with respect to the client. The aim of the present thesis is not only to give specific details on the functioning of mortgage loans and building society accounts, but also and most importantly to discover, which one of the studied products is more beneficial for the client, once the client chooses to finance a new home through this kind of products.

This thesis focuses on analyzing the development of mortgage loans which were provided by Czech households. The first chapter is devoted to the theory of mortgage loans and their basic characteristics. In the second chapter I focus on credit risk. Its management, monitoring and reduction methods. The third chapter includes the causes of debt and the amount of elemental analysis based on macroeconomic variables of mortgage loans (mortgage loan rate, GDP, inflation, unemployment, gross wage). Proof of this dependence is part of the last chapter using regression and correlation analysis.

This thesis analysis the parallel between Japan crises in the 90s and the recent financial crisis, which originated in the United States in 2007. A significant part is devoted to analyzing the root causes of the emergence of the Japan crisis and recent financial crisis. Practical part will focus on analysis of economic cycles of these crises, analysis of price behavior on stock and property market, and finaly on analysis of impact of impact of measures taken on subsequent economic development. Conclusion will seek to answer the question whether the United States expect the same economic development as Japan in the nineties.

This thesis deals with the multicriterial decision of the alternatives housing finance. It is divided into two parts - the first one deals with the theoretical definition of the mortgage loans to the individuals as well as it deals the areas of multicriterial decision methods. The second part is devoted to the selection of a suitable bank mortgage loan for the client, based on the methods of multicriterial decision of the options. Selection of the optimal mortgage loan is divided into two different scenarios - buying an apartment and building a house.