The diploma thesis concerns the appraisal of residential real estate, provision of mortgage loans and development of prices on the real estate market in the Czech Republic. The aim of the diploma thesis is to clarify above all the purpose and meaning of appraisal and selected problems. The theoretical part of the diploma thesis is devoted to immovable property as such, its characteristics, individual types, etc. It then discusses the mortgage loan and its specifications. The theoretical part also includes appraisal methods that can be used for the purpose of appraisal. The final point of the theoretical part of the diploma thesis is devoted to real estate insurance, which is one of the forms of securing a mortgage loan. In its practical part, the diploma thesis examines the appraisal of a mortgage loan as a subject of a pledge, in particular the occurring differences in appraising real estate compared to a classic market appraisal. It is supplemented by other active factors, which affect the resulting price estimate. The diploma thesis attempts to compare the differences in appraisal over the course of several years. It also compares the real estate appraisal methods of banks and insurance companies and the final result of the diploma thesis is designated primarily for the banking sector. In both cases it is a comparison of when the real estate is used for the purpose of securing a mortgage loan. The aim of the diploma thesis is therefore to find and describe the specific characteristics of real estate appraisal for banking purposes with selected problems from the area of insurance. The result of the work are personal recommendations concerning the appraisal of real estate as a pledge when providing mortgage loans with the aim of generalising them for the banking sector as a whole.

Dissertation with title: Housing Financing in the Czech Republic using mortgage loan deals with analysis of mortgage loans. Work aims to acquaint with issue and options of financing of housing. First part is focused on legislation and theory of mortgage loans, where is also characterised process of mortgage loans. Further is followed up comparison mortgage loans with loans from building savings, their advantages and disadvantages when are used to financing of housing. In the second part are presented macroeconomic indicators, that affect state of mortgage market. In the third part are analysed mortgage products of four selected banks , that are Hypotecni banky a.s , Komercni banky a.s, Raiffeisenbank a.s. and České spořitelny a.s. Last part is devoted to model example of two hypothetical clients, where it is carried out comparison of the mortgage loan in the selected banks in terms of fundamental parameters and also the APR. Goal of dissertation is to provide recommendation within this form financing of housing and choose the best variant of mortgage loan for hypothetical clients.

The present Master Thesis tries to summarize and assess individual aspects of a decision-making process connected with a housing purchase. In the theoretical part, ways and methods of market survey, in particular so called mystery shopping, are outlined and explained. Further on, basic concepts connected with the housing market are defined and clarified. The first section of the practical part of the present Master thesis explores opinions of a selected representative group of potencial clients, based on the original author´s questionnaire (with analysis and assessment of answers). In the second section, a client-oriented approach of four selected development companies is explored and analysed in detail, with the evaluation and listing of pros and cons of marketing / business communication of selected developers. Finally, there is a third section of the second part, providing interviews with experts with considerable expertise in the field of (housing) real estate market and banking sector.

This thesis is focused on evolution of mortgage market of Czech Republic and Russia and development of macroeconomic factors. The theoretical part of this thesis describes the status and importance of mortgage loans as a part of the bank loan products. Another part is dedicated to get acquaint readers with the types of mortgage loans, the credit process and the influence of macroeconomic factors on the mortgage market. The practical part is devoted to analyzing the evolution of the mortgage market in Czech Republic and Russia in terms of macroeconomic factors. In the end, there is a short characteristic of the current situation on the mortgage market in these countries.

The subject of my dissertation is a process analysis of administration of Mortgage credit in G.E. Money bank Plc. The purpose of analysis is an improvement of selected process inside company. The theoretical part is dedicate to process analysis and corporate decision making process modeling.The practical part has two sections introduction of G.E Money bank Plc.basic description of Mortgage credit phases. The main part of my dissertation is a process analysis in G.E Money bank Plc. The analysis of present state, evaluation and improvement suggestion of selected processes is a main target of my work.

The main subject of diploma thesis is definition and description of different possibilities of financing the construction of family house, then processing and evaluation of variants offered by selected bank companies in the Czech Republic. In the theoretical part, there are basic knowledge about given issue, which are further applied in the practical part. The practical part deals with the comparison of various financing and selection of the most suitable ones according to selected criteria.

This thesis describes the design of optimal options for financing the construction og a low energy house. In the introductory section describes the characteristics of the two products designed to finance housing, mortgage loan and building savings. Another section is devoted to the characteristics and principles of construction of a low energy house, which is related to low energy and less than saving the house. The final section focuses on the selection of a suitable vision of the comparable financial products.

The thesis deals with the issue of co-operative ownership of immovable property and the specifics of its financing through a mortgage loan. The first part of the thesis contains an explanation of basic terms concerning housing cooperatives, mortgage loans and the overall process of purchase and financing of immovable property. The second part of the thesis then evaluates the optimal financing of a particular cooperative apartment, taking into account the risks associated with it. The conclusion of the thesis contains recommendations for reducing the analyzed risks, both from the perspective of the applicant and from the perspective of the bank.

This thesis engages in investigation into contemporary ways of housing funding in the Czech Republic. It deals with the particular comparison of selected combinations of housing funding in order to find the optimal variant of the model solution of the housing situation of clients. It also contains recommendations, which are suitable for finding the best home financing options to consider.

This thesis deals with the possibilities of financing their own housing. The theoretical part will explain the basic concepts of housing finance. The work is described in the financing of legal entities and individuals. A separate chapter is devoted to mortgage loans. A separate chapter is devoted to building savings, which is more often used variant of housing finance. The practical part will be finding funding options to purchase their own home. Self housing will work in this particular object that will be compiled as part of the work and budget. On the basis of specific conditions, will be offered by banks mortgage loans. At the conclusion of the chosen optimal financing plan.