Analýza dostupnosti vlastního bydlení a možnosti jeho financování v ČR

This bachelor’s thesis examines the availability of housing in the Czech Republic and the options for financing it. The aim of the thesis is to assess how economic factors, particularly trends in real estate prices and household incomes, influence the ability to purchase one’s own home. The theoretical section summarizes the basic characteristics of housing, the differences between owner-occupied and rental housing, and an overview of the main forms of financing, particularly mortgage loans and building savings. The analytical section focuses on trends in housing affordability, including regional differences and the relationship between real estate prices and household income. The practical section uses a model household example to compare the financial costs of purchasing a property versus renting. The results show that homeownership is difficult for the average household to afford under current conditions, particularly in large cities, and represents a significant financial burden. The contribution of this work lies in linking theoretical knowledge with a practical analysis of a specific situation.