A Note on Optimal Value of Loans

Result code in IS VaVaI
<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F67985556%3A_____%2F16%3A00507392" target="_blank" >RIV/67985556:_____/16:00507392 - isvavai.cz</a>
Result on the web
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DOI - Digital Object Identifier
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Result language
angličtina
Original language name
A Note on Optimal Value of Loans
Original language description
People try to gain (in the last decades) own residence (a flat or a little house). Since young people do not posses necessary financial resources, bank sector offers them a mortgage. Of course, the aim of any bank is to profit from such a transaction. Therefore, according to their possibilities, the banks employ excellent experts to analyze the financial situation of potenitial clients. Consequently, the banks know what could be a maximal size of the loan (in dependence on the debtor's position, salary and age) and what is reasonable size of installments. The aim of this contribution is to analyze the situation from the second size. In particular, the aim is to investgate the possibilities of the debtors not only on the dependence on their present - day situation, but also on their future private and subjective decisions and on possible “unpleasant” events. Moreover, consequently according to these indexes, the aim of this contribution is to suggest a method for a recognition of a “safe” loan and simultaneously to offer tactics to state a suitable environment for future time.The stochastic programming theory will be employed to it.
Czech name
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Czech description
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Project
<a href="/en/project/GA15-10331S" target="_blank" >GA15-10331S: Dynamic modeling of mortgage porkredtfolio risk</a><br>
Continuities
I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace

Publication year
2016
Confidentiality
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Article name in the collection
34th International Conference Mathematical Methods in Economics
ISBN
978-80-7494-296-9
ISSN
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e-ISSN
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Number of pages
6
Pages from-to
371-376
Publisher name
Technical University of Liberec
Place of publication
Liberec
Event location
Liberec
Event date
Sep 6, 2016
Type of event by nationality
EUR - Evropská akce
UT code for WoS article
000385239500064

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