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EEA14E - Fundamentals of Economics I

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Vyučující: Ing. MSc. Petr Procházka

Popisek: Zápočtová práce na ECO1. Je to jen návod, jak by to zhruba mělo vypadat.

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est rate for one year.

The contribution is given when the mortgage is not higher than:

1,5 million CZK for family house with one flat
2 million CZK for family house with two flats
12 000 CZK for m2, max 800 000 CZK for one flat

If the total cost of the property is higher the contribution is given only till this limits.
The state assistance hangs together with tendency of building new houses and flats.

We can say that subsidy make people conclude the mortgages. As you can see on the graph below (P) is price for mortgages and (Q) is quantity of concluded mortgages. If we put a state assistance (Subsidy) to the graph a theoretical price (Pt) goes down (the real price of mortgage is still the same – Pt only shows the change in price for people) so the quantity of interest into the mortgages is higher (Q1).

SHAPE \* MERGEFORMAT

3. Lower interest in mortgages

According to the Fincentrum Hypoindex in the third quarter of year 2008 the interest rate overcomes its maximum from January 2003 (graph below).
This index has started in year 2003 to watch the interest rate on mortgages. The first statement was the highest – 5, 73 % until the August 2008 – 5, 82%

This fact has got negative impact on the market with mortgages. The amount of arranged mortgages went rapidly down. Of course this is not the only reason. The other is the change of VAT in year 2007 what is also clearly seen on the Fincentrum Hypoindex. Until this year the VAT on constructions of new flats and houses were 5% but from January 2007 it has changed to 9% and 19%. Every flat-building which has got one flat bigger than 120 m2 is under 19% VAT. If there is no flat bigger than this size the VAT is 9%.

SHAPE \* MERGEFORMAT

As you can see on the graph above (P1) is average price of mortgage and (Q1) is average amount of mortgages which is arranged for the price P1. If the price is higher – shift up to point (P2) the quantity of arranged mortgages went down – shift left to the point (Q2).

4. Population indebtedness

According to the mortgages and other loans there is a huge increase of population indebtedness. There is shown on the graph below that the mortgages (long-term credits) have got the highest growth – that means people borrow more money for living securing than for example for cars (intermediate credits) or appliances (short-term credits).

EMBED MSGraph.Chart.8 \s

5. Responsibility to pay

Mortgage is really simple financial prod

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Reference vyučujících předmětu EEA14E - Fundamentals of Economics I
Reference vyučujícího Ing. MSc. Petr Procházka

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