Srovnání trhu hypotečních úvěrů s trhem úvěrů ze stavebního spoření v období 2010 až 2021

Bachelor's thesis Comparison of the mortgage loan market with the building savings loan market over the last 10 years deals with mortgage loans and building savings loans. It describes both markets, compares their interest rate, the volume of disbursed funds and the number of concluded contracts. On the basis of the articles, it also analyzes the possible future of both loans and compares both loans in terms of achievement, terms and amount of possible loans. The practical part deals with mortgages for the last 10 years, comparing their number, interest rate and the amount of funds paid out. The chapter on mortgage loans analyzes the current situation of increasing interest rates and decreasing number of mortgage applications. It also outlines a possible future scenario for the development of mortgage loans. At the same time, it also analyzes the market for building savings loans, concluded contracts, and the volume of disbursed funds over the last 10 years. In contrast to mortgage loans, a deep decline is not expected for building savings loans. Rather, they will stagnate or grow slowly, while mortgage loans are expected to fall by tens of percent in 2022. Increasing mortgage interests make repayments more expensive by several thousand crowns per month, and for some clients this situation will be financially unbearable. Experts expect a possible improvement in one or two years, one thing is certain, the days of mortgages with interest rates of around 2% are irretrievably gone.