The analysis of credit options to purchase housing

The Bachelor's thesis deals with the analysis of financial resources to purchase property for housing in the Czech Republic. The analysis is applied to four model situations which each client representing various segments of society with different incomes, costs of living and different age. All model situations have the same investment intention. Key information about clients were entered into the bank software calculators for a rough calculation of the client's creditworthiness. Based on the outputs of the calculators, the bank offers of mortgage loans were processed for the clients (if the client appeared to be sufficiently creditworthy). The results of model situations depend on the methodology for calculating the creditworthiness of each bank and on specific requirements of banks. The resulting interest rate may vary depending on the loyalty programs of banks and other competitive tactics. From offers of mortgage loans was selected for each client offer with the lowest interest rate, lowest costs bound to the establishment of loan and a satisfactory length of the loan