Mortgage loans as a way of financing business activities

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F62690094%3A18450%2F18%3A50004931" target="_blank" >RIV/62690094:18450/18:50004931 - isvavai.cz</a>

Výsledek na webu

<a href="http://dx.doi.org/10.3923/jeasci.2018.457.462" target="_blank" >http://dx.doi.org/10.3923/jeasci.2018.457.462</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.3923/jeasci.2018.457.462" target="_blank" >10.3923/jeasci.2018.457.462</a>

Jazyk výsledku

angličtina

Název v původním jazyce

Mortgage loans as a way of financing business activities

Popis výsledku v původním jazyce

There are many ways to finance business starting from classical loans to non-purpose mortgage loans, leasing, overdraft, credit cards, equity financing up to other investment funds. Owing to the economic crisis, the availability of some types of banking loans was decreased. Individual banks increased their requirements in terms of loan security to reduce potential risk. Though better for small or mid-size companies, mortgage loan is a way of financing business. The amount of loans has been increasing during the reflation. Nevertheless, the mortgage market has become saturated and it leads to decrease in newly signed contracts in contrast to other loans. However, the interest rates are more and more dropping and they reached historic minimum under the rate of 2%. The goal of the article is to analyse the present situation of mortgage loans in the Czech Republic. Including prediction, the analysis for businesses will be conducted for the period of the years 2002 – 2016. Confirmation of the scientific question is one of the contribution of the paper. The number of contracts and the amount of the mortgage related to the current macroeconomic situation.

Název v anglickém jazyce

Mortgage loans as a way of financing business activities

Popis výsledku anglicky

There are many ways to finance business starting from classical loans to non-purpose mortgage loans, leasing, overdraft, credit cards, equity financing up to other investment funds. Owing to the economic crisis, the availability of some types of banking loans was decreased. Individual banks increased their requirements in terms of loan security to reduce potential risk. Though better for small or mid-size companies, mortgage loan is a way of financing business. The amount of loans has been increasing during the reflation. Nevertheless, the mortgage market has become saturated and it leads to decrease in newly signed contracts in contrast to other loans. However, the interest rates are more and more dropping and they reached historic minimum under the rate of 2%. The goal of the article is to analyse the present situation of mortgage loans in the Czech Republic. Including prediction, the analysis for businesses will be conducted for the period of the years 2002 – 2016. Confirmation of the scientific question is one of the contribution of the paper. The number of contracts and the amount of the mortgage related to the current macroeconomic situation.

Druh

J_SC - Článek v periodiku v databázi SCOPUS

CEP obor

—

OECD FORD obor

50202 - Applied Economics, Econometrics

Projekt

—

Návaznosti

S - Specificky vyzkum na vysokych skolach

Rok uplatnění

2018

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název periodika

Journal of engineering and applied sciences

ISSN

1816-949X

e-ISSN

—

Svazek periodika

13

Číslo periodika v rámci svazku

2

Stát vydavatele periodika

AE - Spojené arabské emiráty

Počet stran výsledku

6

Strana od-do

457-462

Kód UT WoS článku

—

EID výsledku v databázi Scopus

2-s2.0-85043484346