Hipotekarno bančništvo

delo diplomskega projekta

Sabahate Bislimaj (Author), Sabina Taškar Beloglavec (Mentor)

Abstract

V diplomskem projektu opredelimo pojem hipotekarnega bančništva in obravnavamo modele hipotekarnega bančništva: tradicionalni model, model hipotekarne obveznice in model sekuritizacije. Po Moreju (2001) je bistvena razlika med njimi, da ima tradicionalni model zelo slabo razvit sekundarni hipotekarni trg ali pa ta sploh ne obstaja, medtem ko je med modelom hipotekarne obveznice in modelom listinjenja razlika predvsem z vidika tveganja. Po Glogovšku (1999) je hipotekarna banka specializirana ustanova, ki na eni strani daje posojila oziroma odobrava hipotekarne kredite (aktivni posel), na drugi strani pa išče dolgoročne finančne vire za refinanciranje odobrenih hipotekarnih kreditov (pasivni posel). Po Dimovskem in Grgorič (2000) hipotekarno bančništvo v največji meri služi predvsem nepremičninskemu financiranju. Tratnik (2006) trdi, da je hipoteka zastavna pravica na nepremičnini, ki je vpisana v zemljiško knjigo. S hipoteko se banka zavaruje, da bo dobila vrnjen kredit, ki ga je odobrila kreditojemalcu. Če dolžnik ne plačuje svojih obveznosti kredita, je banka kot hipotekarni upnik upravičena do realizacije hipoteke (zavarovanja). Nato ugotavljamo vrste hipotek in hipotekarnih posojil ter analiziramo njihove funkcije in značilnosti ter postopke odobritve in razčlenimo razlike med hipotekarnim bančništvom in hipotekarnim posrednikom. Prav tako razdelamo še primarni in sekundarni hipotekarni trg: po Moreju (2002) s primarnim trgom pojmujemo trg, na katerem hipotekarne ustanove oziroma banke odobravajo hipotekarna posojila, preko sekundarnega trga pa se tovrstne institucije financirajo

Keywords

hipotekarno bančništvo;hipoteke;hipotekarni kredit;hipotekarni trg;računovodski izkazi;

Data

Language:	Slovenian
Year of publishing:	2021
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[S. Bislimaj
UDC:	336.77
COBISS:	67241219
Views:	526
Downloads:	123
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Mortgage banking
Secondary abstract:	In the diploma project we define the concept of mortgage banking and discuss mortgage banking models: the traditional model, the mortgage bond model and the securitization model. According to More (2001), the essential difference between them is that the traditional model has a very poorly developed secondary mortgage market or it does not exist at all, while the difference between the mortgage bond model and the securitization model is mainly in terms of risk. According to Glogovšek (1999), a mortgage bank is a specialized institution that, on the one hand, lends or approves mortgage loans (active business) and, on the other hand, seeks long-term financial resources to refinance approved mortgage loans (passive business). According to Dimovski and Grgorič (2000), mortgage banking mainly serves real estate financing. Tratnik (2006) argues that a mortgage is a lien on real estate registered in the land register. The mortgage secures the bank to obtain the repaid loan it has granted to the borrower. If the debtor does not pay his credit obligations, the bank, as a mortgagee, is entitled to the realization of the mortgage (as an insurance). We then identify the types of mortgages and mortgage loans and analyze their functions, characteristics and approval procedures, and break down the differences between mortgage banking and a mortgage broker. We also divide the primary and secondary mortgage market: according to More (2002), the primary market is a market in which mortgage institutions or banks approve mortgage loans, and through the secondary market such institutions are financed.
Secondary keywords:	mortgage banking;mortgage and mortgage loans;structure of financial statements;primary and secondary mortgage market;
Type (COBISS):	Diploma project paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	II, 32 f.
ID:	12636935