The project in five facts.
Challenge, approach and results.
Banks and leasing companies strive for quality financing security, whilst each credit provider wishes to adapt to consumer needs in its own way. Whilst banks ensure their security through the use of various instruments and methods of securing the granted credit, leasing companies secure themselves with a partial deposit and ownership of the financed real estate. In the diploma thesis, the benefits of individual real estate financing were compared according to available financial resources secured at 20%, 30%, and 50%. It was established that financial leasing is a more expensive form of financing, but more flexible, as it takes into account all income of an individual. Furthermore, it was established that the gap between financial credit and financial leasing decreases with the increase of the borrower's own share of funds provided in the form of a deposit.
Problem
Banks and leasing companies strive for quality financing security, whilst each credit provider wishes to adapt to consumer needs in its own way. Whilst banks ensure their security through the use of various instruments and methods of securing the granted credit, leasing companies secure themselves with a partial deposit and ownership of the financed real estate.
Solution and Method
In the diploma thesis, the benefits of individual real estate financing were compared according to available financial resources secured at 20%, 30%, and 50%.
Results
It was established that financial leasing is a more expensive form of financing, but more flexible, as it takes into account all income of an individual. Furthermore, it was established that the gap between financial credit and financial leasing decreases with the increase of the borrower's own share of funds provided in the form of a deposit. Which form of financing will be chosen does not depend on their needs and wishes, but primarily on their financial capabilities, which largely influence the type of financing that can be obtained on the 'credit market'.
Module, programme and stories.
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