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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.

The goal of this diploma work was comparison the conditions of providing the mortgage loans before and during the financial crisis. In the first part of this work I define the basic parameter of the mortgage loans as a category of this loans, period of interest, interest rate, repaying and ensuring mortgage loans and also state assistaence. In the second part of this work I analyzed the current situation in the mortgage market in the Czech Republic with a period before the financial crisis especially with the year 2007. I also compared the conditions of the concrete mortgage loan from the year 2006 with the year 2012, which provided Hypoteční banka, a.s.In a model comparison I compared offers of mortgage loans in selected banks (Česká spořitelna, a.s, Komerční banka, a.s., Hypoteční banka, a.s, Raiffeisenbank, a.s., and Wüstenrot, a.s. to find out which bank has a best conditions for the applicants for mortgage loans.I compared the mortgage loans for purchase and reconstruction.

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.

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.