thesis

Apartment purchase financing analysis since World War II until today

Abstract

The diploma work deals with the possibility of financing the apartment purchase since World War II until today. In the history of the financing residential economy we are trying to determine legal basis arranging financing, basic characteristics of financing, loaning and institutions which have a leading role in financing in certain periods of history. Residential politicy in Slovenia went through different periods and it always reflected the influence of economical and political systems during these periods. All important milestones for residential domain in Slovenia are consequences of structural changes in politics and economy. In detail we are focused on today's different sources of financing, from traditional residential loan and mortgage loan to leasing. Traditional residential loans are widely used but lately they are replaced by currently more favourable mortgage loans. In the diploma work is shown the comparison of different calculations of loan and leasing. The government is also stimulating apartment purchase with the residential fund of the Republic of Slovenia with The national residential saving scheme, subsidies to support young families in resolving their first housing problems and residential loaning of fund. A comparison has been made between the financing of the apartment purchase in these periods, today's possibilities of financing the apartments and analysis of the apartment building in Slovenia since World War II until today

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