Comparison of Ukrainian and Czech mortgage markets

Vladyslav Hlushko

Bachelor's thesis

Abstract:

The purpose of this work is to compare the offers of mortgage loans from selected banks in Ukraine and the Czech Republic to determine options where it is more profitable for citizens of the Czech Republic or Ukraine to have mortgage housing. The comparison of offers for mortgage loans of selected banks which is based on the presented criteria such as down payment, commissions, interest rate, annual and total cost of the mortgage loan. Also, will be presented an initial acquaintance with mortgage lending and comparison of the volatility of real estate prices in the Czech Republic and Ukraine. In the Practical part will be provided an analysis and comparison of selected banks for mortgage lending in Ukraine and the Czech Republic according to basic annuity comparison of payments which are referred to Ukrainian banks such as Privat Bank, Oschadbank and Czech banks - Hypoteční Banka, Česká Spořitelna. Relying on the report of people processed from the Internet, will be formed result of the work of specific banks and their banking services, namely the quality of their work and operation speed. As a result of determining the direction of mortgage lending in given countries, will be chosen the best option according to the specified criteria.

Keywords

loans, analysis, interest rates

Language used: English

Date on which the thesis was submitted / produced: 15. 3. 2021

Thesis defence

• Supervisor: Ing. Olga Regnerová, Ph.D.

Czech University of Life Sciences Prague

Faculty of Economics and Management

Bachelor programme / field:
Economics Policy and Administration / Business Administration