In other words, a quick guide for economists.
On Saturday, May 28, 2022, it took place conference under the name: Penze vera, today and tomorrow. One of the members was former Deputy Governor NB Mojmr Hampl, who amused the present year that even some banks do not understand the level process (creation of new pensions). The day sweat confirmed his words by a commentator under the line of fun annual rates: Let’s face it: those years of rates are a good debt for NB and for no one else. years the ECB rate for Slovakia is 0%, and mortgages are there up to 2%, while here the years NB rate is 5%, and the mortgage around 6%.
The following article is a simplified description of the lay process for lay people. Warning: all those with the urge to swell or consider the economy should be left behind, this is an economic text.
There are two types of corporations. The first are trading companies (stocks, limited partnerships, public trading and limited liability), which exist for profit. The latter are bureaucratic or public first and have the form of budget, post, and go further called the Orwellian style.
esk nrodn banka is a typical bureaucratic corporation, which has a special account for its functioning (Kon. 6/1993 Sb., Konk esknrodnní banka). Thus, the category of good or bad debt is not. The main goal of the international bank’s activities is to ensure price stability. According to the Czech National Bank, it takes care of financial stability and the safe functioning of the financial system in the Czech Republic. 1 Price stability is ensured by the so-called intermediaries, which is penn volume, in the years of mry a (equal) exchange rate. Peliv and a detailed description of Mnov’s policy here. For Mr. Nevc to go to the NB balance sheet:2 gold, receivables and securities, but the assets among the central bank are not.3
So how does the vrov process work in the Czech Republic (and elsewhere in the world)? applicant for vr goes to the provider of vr. If he is convinced of the meaningfulness of the change, the provider will add The applicant becomes a debtor, the provider becomes a creditor. By signing the level of the contract, a new pension will be created, which will come into circulation when the long-term buy land, materials, machinery and equipment, hires employees. On the other hand, the pension is no longer paid. Stun eeno, whenever pensions come from the bank, a pension arises, whenever pensions go to the bank, the pension expires.
We have Mr. Podnikavho, his operating income is in the amount of 100 income and his operating income is in the amount of 90 income, ie. achieves operating profit (EBITDA)4 and intended to spread his activities. Nape zmr, will take the balance sheet, income statement, cash flow statement and visit Mr. Bank, which will assess the ability of Mr. Podnikavho to get the mistaken volume. In addition, Mr. Bank uses indicators to assess the reliability of the applicant (the ratio of debt service associated with the debt and the net income of the applicant for the loan, the loan ratio and the net income of the applicant, the loan ratio and the value of collateral and taxes). In the above-mentioned case of Mr. Podnikavho, it is safe to state that he will not be able to do so. If the operating profit is not about 30% of the income, then the applicant will not succeed. It should be borne in mind that Mr. Bank’s income is only and is a one-year payment. The salary is determined by the fact that only the person who thinks that he does not need it. Or it finances a stable asset (housing, machinery and equipment), which is not sensitive to price fluctuations.
For Mr. Nevc, I refer to the statistics of the Czech National Bank. vry at the end of April 2022 reached the volume of 6,744 billion K. The volume of vr provided to households reached 2,065 billion. The highest volume of households is accounted for by housing (78% of the total volume of households provided). provided to non-financial corporations amounted to 1,217 billion. K and volumes of the largest item represent long-term vry (55% of the total volume provided in this sector). The volume of deposit resident at the end of April 2022 reached 6 081 billion K.
If there is an exchange between the seller and the buyer, it is a final proof that it is suitable for both parties. Relation to the level of contracts: it is indisputable that by signing the level of contracts they demonstrated the longevity and suitability for both parties. And the horse, as somewhat expressive, but quite accurately captured, among other things, Mirek ejna: When someone has a mortgage of 5% a year and the price of real estate grows by 10%, then only a jerk can consider it a better option to buy an apartment and a house.. Is it supplemented or explained to you?
Blue ptk
1 Con. 6/1993 Coll., Konk esk nrodn banka, paragraph 2, paragraph 1
2 ESK NRODN BANKA: Bilance NB k 31.5.20222022, [cit. 2. ervna 2022]. Available on the World Wide Web: https://www.cnb.cz/cs/cnb-news/kalendar/Bilance-CNB-00054/
3 Mortgage means Czech loan. The mortgage is also a mortgage on real estate.
4 Z anglickho Earning Before Interest, Taxes, Depreciation, Amortization.
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