Diskuze nad změnami hypotečního trhu v ČR

This bachelor thesis deals with an evaluation of the current situation in the mortgage market from the perspective of the changes introduced by the Czech National Bank. In the introductory part there is credit defined and described in detail, such as, credit processes and defining mortgage loans from the point of view of bank products. Subsequently, there is a more detailed chapter on the topic of mortgage loans, which deals with the characterization of mortgages from all possible angles, for example who is entitled to provide it, which types exist, and the legislative definition and historical development of the products. The last chapter is the application chapter, where the mortgage market is evaluated over the past two years, in which substantial changes have been introduced by the Czech National Bank. The evaluation incorporates a discussion by experts and an interview with a senior mortgage adviser.