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This thesis deals with mortgage market development in the Czech Republic and the factors that affect volume of provided mortgage loans. The main goal of this thesis is to evaluate the influence of each indicator using time series regression analysis during the period between the years 2003-2016. The main data sources used in the analysis are the Czech statistical office, Czech National Bank and the Ministry of Regional Development. This thesis is divided into four chapters. The first chapter defines mortgage loans and mortgage bonds, their characteristics and categories. The second chapter states brief description of current mortgage market development in the Czech Republic, legislative changes and the state mortgage financial assistance. The third chapter discusses the potential macroeconomic indicators that influence the volume of provided mortgage loans and in the last chapter, these indicators are verified by multiple regression models, namely using the Autoregresive distributed lag model.

The thesis deals with the analysis of mortgage products, their supply on the market and their development in the Czech Republic. In the introduction the mortgage loan is defined and legally defined. In the second chapter describes how mortgage loans are divided and what the current situation on the market of these products. Another section is devoted to mortgage bonds as a security that is closely related mortgage loans. In conclusion, the author decided to look for a mortgage with a macroeconomic perspective. Work includes several tables and graphs, on which issues more clearly described. The annex contains an application for a mortgage loan, announcement of Wüstenrot hypoteční banka a. s. about the issue of mortgage bonds and the method of calculating tested hypotheses.

This thesis attempts to provide a comprehensive picture of the mortgage loans that are used in order to be invested in housing. First of all, the development of the Czech mortgage market since its inception to the present is described. Focus is put especially on the characteristics of the mortgage loan, its various types and also on the conditions of its provision. Next chapter is dedicated to a detailed description of the mortgage lending process. For the practical section of this thesis a questionnaire and a model-based example that was presented in several banks was used. Subsequently, their offers were precisely evaluated.

The bachelor thesis is focused on aspects of mortgage credit in the Czech Republic, where the main attention concentrates on comparison of several mortgage credits from client's point of view. The first part of the thesis describes main principles of mortgage credits, forms of state supports and process of giving mortgage credit to clients. The second part comments development of this product in the latest 20 years with the stress on current situation on the market. The last chapter includes the comparative analysis of several financial products, from which is chosen the best possible option of financing for a potential client.

The main task of this bachelor thesis is introducing of mortgage bonds as an interesting investigating instrument, which is good for big and small investors as well. It describes conditions and duties of banks at emission, evidence of cover and at next appurtenances which are connected with activities in mortgage bonds market. It introduces individual issuers in the czech market and possibilities how to get their mortgage bonds. At the end it tries to analyse the influence of the economic crisis and the tax reform in 2008, by comparing of rate of return on individual mortgage bonds.

This bachelor task deals with mortgage bonds in Czech Republic and in Slovakia from the time when these two independent states were formed in year 1993 till the time of the hypothecary crisis in year 2009. It is mainly the definition of mortgage bonds, further bank duties, which have to fulfill to have the right to emit these mortgage bonds and it is also about the analysis of the environment for the potential buyer. Attention is aimed to actual market conditions, including hypothecary crisis, which itself stroke this environment.

This bachelor work is focused on mortgages in the Czech Republic. Mortgages generally are described at the beginning of my work - their characteristics, properties and kinds. Approval procedure of mortgages is described in another part of work (from request for loan to mortgage repayment). Practical part of my work includes comparison of products of mortgage banks, which I made from the point of view of advantages for customers. This work deals with the theme of financial crisis in the mortgage market, which have started in the USA in 2008.

Diplomová práce obsahuje základní informace o hypotečním úvěru jako produktu bank se speciální licencí, zabývá se vlastnostmi nemovitostí a jejich oceněním z hlediska přijatelnosti do zástavy hypoteční bankou a z hlediska možnosti uznat pohledávku z hypotečního úvěru do řádného krytí hypotečních zástavních listů. Cílem práce je prokázání vzájemné vazby mezi hypotečními úvěry a emisemi hypotečních zástavních listů, která vyplývá z existence zastavené nemovitosti.