Studijní materiály

Zpět

Hromadně přidat materiály

Zápočet

EEA14E - Fundamentals of Economics I

Hodnocení materiálu:

Vyučující: Ing. MSc. Petr Procházka

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

Zjednodušená ukázka:

Stáhnout celý tento materiál

uct but the process around this is not so easy.
Many applicants find out at the beginning that the mortgage is unreachable for them because of their income and outcome. The bank needs to know if you are responsible to pay back-payments and if you still have enough money for casual things needed for life. It may cause a problems if something happened and you do not have enough money to pay the mortgage or to buy a basic things needed for living.
This is good visible on the last two graphs:

The first graph demonstrates the case when the prices of mortgages went over the maximal price (from (P1) to (P2)) which they are able to pay. So they slide under the line of minimum needed for living.

SHAPE \* MERGEFORMAT

The second graph demonstrates the case when one member of the family for example lose job, so the budget line (BL) of the family shift down – this invoke the same situation as in the first case. The family does not have money to pay the mortgage and simultaneously have the minimum for living. The price what the family is able to pay for mortgage (PAP) is under the minimum.
SHAPE \* MERGEFORMAT

6. Conclusion

In this essay I have tried to bring you closer to the problematic of the mortgages. You were able to see some advantages and disadvantages of acquiring a mortgage and some cases which could happen if you already have a mortgage. You have to take into account the state assistance but on the other hand also the VAT and the possibility of growing interest rate.

7. Resources

Pindyck & Rubinfeld - Microeconomics
Drahomíra Dubská - Oddělení makroekonomických analýz
Vladimír Čechlovský - PRÁVO - Rodinné finance
Luboš Svačina, Hypoindex.cz
HYPERLINK "http://finance.idnes.cz" http://finance.idnes.cz
HYPERLINK "http://www.hypoindex.cz" http://www.hypoindex.cz
HYPERLINK "http://www.financninoviny.cz" http://www.financninoviny.cz

P

Price of mortgages

Q
Quantity of mortgages

S

D

Q

P

Q1

Pt

Subsidy

MNL – minimum needed for living

BL – Budget line

MP – maximal price of mortgage they are able to pay

Q2

P2

P1

Q1

D

S

Q
Quantity of mortgages

P

Price of mortgages

P1

P2

MP

MNL

BL

T
Things needed for living

M

Mortgages

P1

BL2

MNL – minimum needed for living

BL – Normal budget line of the family

BL2 – Budget line after losing work

PAP – price they are able to pay

P1 – minimal price for mortgage

BL

MNL

T
Things needed for living

M

Mortgages

S´

PAP

Stáhnout celý tento materiál

Předchozí

1 2 3

Vloženo: 18.06.2009

Velikost: 114,50 kB

Stáhnout celý tento materiál

Komentáře

Tento materiál neobsahuje žádné komentáře.

Mohlo by tě zajímat:

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

Podobné materiály