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@article{5012, author = {Tichý, Jaroslav}, article_location = {Praha}, article_number = {1}, language = {eng}, issn = {1802-792X}, journal = {Acta VŠFS}, title = {Risks of Mortgage Loans in the Czech Republic}, volume = {9}, year = {2015} }
TY - JOUR ID - 5012 AU - Tichý, Jaroslav PY - 2015 TI - Risks of Mortgage Loans in the Czech Republic JF - Acta VŠFS VL - 9 IS - 1 SP - 59-73 EP - 59-73 PB - Vysoká škola finanční a správní, z.ú. SN - 1802792X N2 - Indebtedness through mortgage loans is dominant of household debt in the Czech Republic. The gradual increase in the household debt level may also entail increasing credit risk assumed by banks in connection with their credit exposure to this sector. The objective of the paper is to verify the risk and identify factors that affect the credit risk development in the Czech Republic. We look for correlation between the risk development and the interest rate development. Furthermore, we verify links between the risk and the development of real estate collateral value. The paper does confirm that there are real risks associated with the potential increase in interest rates. No significant risks have been confirmed with regard to the current development of the residential property value. The paper also strives to provide an identification and verification of risks stemming from individual banks’ internal processes. It features a detailed analysis of the internal factors (aspects) comprising revenue, competition, as well as distribution. ER -
TICHÝ, Jaroslav. Risks of Mortgage Loans in the Czech Republic. \textit{Acta VŠFS}. Praha: Vysoká škola finanční a správní, z.ú., roč.~9, č.~1, s.~59-73. ISSN~1802-792X. 2015.
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