Work detail

Housing financing support

Author: Bc. Diana Marková
Year: 2012 - summer
Leaders: PhDr. Michal Hlaváček Ph.D.
Work type: Bachelors
Language: Czech
Pages: 80
Awards and prizes:
Abstract: This thesis presents the system of housing financing support generally in the
context of European countries and concretly in the Czech Republic. First, the housing
market and the specificity of housing as a good are presented. Next, the thesis describes
taxation in relation to housing and the influence of taxation on affordability of housing.
The main part of the thesis is devoted to general concept of housing policy and
overview of the instruments of housing financing support, which is followed by
concrete example of the Czech Republic. The overview of the instruments in the Czech
Republic is followed by an attempt to estimate their impact to the state and public
budgets. The situation in the Czech Republic was wery interesting because of the started
application of the new concept from 2011, which changed the direction of the housing
policy and the portfolio of instruments. Almost at the end of the thesis, there is briefly
presented the model of real estate market by DiPasquale and Wheaton. According to
this model it is possible to make a statistic comparative analysis of the impacts of some
instuments of housing financing support on the real estate market. The knowledge,
acquired during the work on the thesis, is used in the last chapter to prepare the SWOT
analysis and evaluation of the current portfolio of the instruments of the Czech housing


Česká Spořitelna


Patria Finance