The main goal of this bachelor thesis is to analyze the use of instruments of housing finance through the financial market and housing policy and its instruments. The first part will focus on the general characteristics of housing, its peculiarities, classification of forms and financing instruments, focusing on building savings and mortgage lending. The individual objective is to analyze the current product offerings of the Czech financial market intended for housing and a comparison of their main properties. The analytical part will contain model example comparing the conditions and the use of housing finance instruments selected financial institutions in the current period and selection of the most suitable solution for the chosen model ...