The bachelor thesis deals with the analysis of building savings loans and mortgage loans, which are among the most well-known instruments for housing finance in the Czech Republic. Using the method of comparison, I try to compare these two types of loans and summarize their advantages and disadvantages. This method confirms to us, that we can`t determine, which of these loans is more advantageous. It always depends on the current offer and benefits, with which banks and building societies try to... zobrazit celý abstraktThe bachelor thesis deals with the analysis of building savings loans and mortgage loans, which are among the most well-known instruments for housing finance in the Czech Republic. Using the method of comparison, I try to compare these two types of loans and summarize their advantages and disadvantages. This method confirms to us, that we can`t determine, which of these loans is more advantageous. It always depends on the current offer and benefits, with which banks and building societies try to make their product visible. First I characterize building savings and mortgage loans, introduce the conditions for providing these loans and focus on the development of these products. The next part of my thesis is focused on changesin connection with the COVID-19 pandemic, including their impact on the mortgage market. I also present the current offer of building societies and banks and at the end of my thesis we find model examples of building savings and mortgage loans. |