Analýza spotřebitelských úvěrů na bydlení v ČR a zahraničí

This diploma thesis entitled "Analysis of Consumer Credit for Housing in the Czech Republic and Abroad" describes in detail the domestic consumer credit market and compares it with foreign countries, Austria, Germany and Italy. The aim of the thesis is to compare the cost of housing loans in those countries where EU legislation is uniform. In the theoretical part of the thesis is described in detail the financing of housing with credit, including the history of housing loans and the currently used options for lending of housing needs. Current and historical macroeconomic data on mortgage loans, building savings loans and interest rate developments are also included in the thesis. The theoretical part also describes tax policy that is linked to housing loans and financial products associated with these loans. The practical part of the thesis contains an analysis of individual lending offers across selected countries and assesses the overall cost and benefits of housing loans in these countries. At the same time, a comparison of additional costs, such as land-related fees, property acquisition taxes, brokerage commissions and others, is provided in the practical part.