Analýza současné situace a výhodnosti stavebního spoření

The aim of the thesis on the subject of "Analysis of actual situation and profitableness of building savings" is to compare profitableness of building savings as whole, its saving phase including consecutive drawing loan, with alternative possibility of divided financing, when a client uses banking products available on the market. The theoretical part of the thesis includes two main chapters. In the first one, there I explain to a reader a fundamental principle of the building savings, in the second half of the theoretical part, there I deal with the changes of building savings, especially with the amendment to the act, which should be valid from 1st January 2014. In the application part of the thesis, there I firstly describe in detail the approach, which I use for the assessment of profitableness of building savings. After that I pay attention to the calculations for different target amounts and the duration of saving. In conclusion, there I summarize, how the target amount and the duration of saving affect the profitableness of the building savings and when the building savings is preferable for the client or when the divided financing should be used.