BKF_ZOZU Preparations for Professional Qualifications - Consumer Loans

Faculty of Economics and Administration
Spring 2025
Extent and Intensity
0/0/0. 6 credit(s). Type of Completion: zk (examination).
In-person direct teaching
Teacher(s)
Ing. Martina Sponerová, Ph.D. (lecturer)
Guaranteed by
Ing. Martina Sponerová, Ph.D.
Department of Finance – Faculty of Economics and Administration
Contact Person: Iva Havlíčková
Supplier department: Department of Finance – Faculty of Economics and Administration
Prerequisites (in Czech)
FORMA(K)
Course Enrolment Limitations
The course is only offered to the students of the study fields the course is directly associated with.
fields of study / plans the course is directly associated with
Course objectives
The course Preparations for Professional Qualifications - Consumer loans prepares students for successful completion of professional qualification in the field of consumer loans. Primarily, it is professional competence according to Act No. 257/2016 Coll., on consumer credit. Students will gradually become acquainted with the principles and functioning of the financial market, debt instruments, principles and functioning of the consumer credit market, its regulation, consumer protection rights, consumer credit providers and intermediaries, consumer credit assessment process, mortgages and housing loans, real estate market things, the arrangement and functioning of the Land Registry.
Learning outcomes
At the end of the course students should be able to: - successfully pass professional qualification in the area of consumer credit, - characterize debt instruments, - describe the principles and functioning of the consumer credit market, - understand consumer credit market regulation, - apply consumer protection law, - clarify the lending process, - characterize consumer credit products, - describe the rules of conduct with consumers, - clarify the principles of the consumer credit assessment process, - characterize mortgages and housing loans, -clarify the principles of the procedure and evaluation methods, - understand the system and operation of the Land Registry.
Syllabus
  • 1) Financial market, its structure and subjects
  • 2) Debt instruments
  • 3) Consumer credit market
  • 4) Regulation of consumer credit market, Consumer protection
  • 5) Consumer credit providers and intermediaries
  • 6) Lending and consumer credit products
  • 7) Rules for dealing with the consumers
  • 8) Supplementary services related to consumer credit
  • 9) Principles of the consumer credit assessment process
  • 10) Mortgages and housing loans
  • 11) Mortgages and housing loans - principles of procedure and methods of valuation
  • 12) Real estate market
  • 13) System and functioning of the Land Register
Literature
    required literature
  • ÚZ 1327 Ochrana spotřebitele, spotřebitelský úvěr. Sagit, 2019. 240 s. ISBN 978-80-7488-361-3
  • ÚZ 1337 Cenné papíry, Kapitálový trh, Investiční společnosti a fondy. Sagit, 2019. 656 s. ISBN 978-80-7488-371-2
    recommended literature
  • VACEK, Lukáš. Zákon o spotřebitelském úvěru: komentář. Praha: Wolters Kluver, 2015, 427 pp. ISBN 978-80-7478-776-8. info
  • ČERVENKA, Miroslav, Dagmar IRCINGOVÁ and Miroslav ŠKVÁRA. Spotřebitelské úvěry : průvodce teorií a praxí úvěrování dle zákona č. 257/2016 Sb. První vydání. Praha: Miroslav Škvára, 2017, 158 stran. ISBN 9788090482340. info
Teaching methods
Tutorials (lectures), assignments, online quizzes
Assessment methods
The course consists of lectures only. The student must prepare and submit a PTO, the score of which is included in the final course evaluation. The course ends with a written examination. For successful course completion, a minimum of 60 points must be obtained from the sum of the examination test and the POT score. The overall course grade is determined by the sum of the written examination score (max. 80 points), the POT score (max. 20 points). Any copying, recording or taking out of tests, use of unauthorized aids as well as communication devices, or any other interference with the objectivity of the examination (credit) will be considered a failure to meet the requirements for completion of the course and a gross violation of the course regulations. As a result, the instructor will close the examination (credit) with a grade of "F" in the course, and the Dean will initiate disciplinary proceedings, which may result in termination of the course.
Language of instruction
Czech
Further comments (probably available only in Czech)
The course is taught annually.
The course is taught: in blocks.
Note related to how often the course is taught: 12 hodin.
Information on the extent and intensity of the course: tutorial 12 hodin.
The course is also listed under the following terms Spring 2022, Spring 2023, Spring 2024.
  • Enrolment Statistics (recent)
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