Systémová rizika trhu bydlení v ČR

The chapter aims to answer following research questions: (1) Whether among homeowners repaying mortgage loans significantly increased after 2005 (i.e. in the period of house price boom) share of low-income households. (2) Whether in the same time increased share of risky mortgage products (i.e. mortgage loans with LTV equal or higher than 100%, "interest-only" mortgages, mortgages denominated in foreign currencies etc.) in portfolios of the Czech mortgage providers.