Home » Business » Czech Banks: People Will Still Deposit Money in Bricks, Housing Prices Will Double

Czech Banks: People Will Still Deposit Money in Bricks, Housing Prices Will Double

in what condition⁤ is ⁢the real estate market entering‌ the new⁤ year?

I woudl divide it into the residential segment, which is of interest to a wider audience, and commercial properties, i.e. larger transactions. The commercial market is currently ‍heavily driven by investor concerns about geopolitical risks and the ⁢stability of the economy as a whole.This has an interesting impact on the Czech Republic. In the second half of last year, activity revived for⁢ premium properties such as hotels and‌ offices. Yields are falling, ​which means that commercial properties⁢ in the ⁣Czech Republic ⁣are being bought at​ a slightly‌ higher price than in Poland or ‌Austria.

And residences? ⁣Were ​you surprised by how quickly‌ the housing market⁣ picked ‍up again?

Frankly, I was surprised. I wouldn’t have expected it, because it didn’t quite make sense. But I am even more surprised by the current growth. The influence of deferred demand has mainly manifested itself. People have gotten used⁣ to higher interest rates. When they⁣ fell ‍from seven percent to five ​percent, ‍they said it was great. Moreover, ‌they knew that they would not return to two percent.

I divide demand⁣ into three segments: people looking for housing, investors and those who want‍ to invest money in real ⁢estate. The main one should be

“`html

What is the Digital Services Act (DSA)?

the Digital Services ‌Act (DSA) is a landmark European Union law that establishes ‍a complete set of rules for online platforms and services‍ operating within ⁤the EU,aiming to create a safer and more accountable online environment. It‍ was adopted ‍on October⁢ 4, 2022,⁣ and began to apply to all online intermediaries and hosting services ⁣on‌ February 17,‍ 2024, with stricter obligations for​ Very Large Online⁢ Platforms (VLOPs) and Very Large⁢ Online Search engines (VLOSEs) phased in ⁤thereafter.

The‌ DSA⁤ addresses a wide ‍range of issues, including illegal content, disinformation, online advertising, ‌and the protection ​of basic rights. It ‌shifts ‌the duty for addressing these issues from individual users to the ‌platforms themselves, requiring them to take proactive⁣ steps to mitigate risks. The law is part of a broader EU strategy⁢ to regulate the digital space, alongside the ⁢Digital Markets ​Act ⁤(DMA).

For example,⁤ Meta (Facebook ​and Instagram) was designated as a VLOP‍ on⁣ April 26, 2023, and⁣ therefore subject ‍to more stringent requirements under the DSA, including annual risk assessments and independent audits. You can find the⁣ official designation here.

Who Does ⁣the DSA Apply ​To?

The ⁣DSA applies to a broad range of online services that facilitate interaction between users⁣ and details, ​but the level of obligation varies based on the size and nature of the ⁢service. It ⁤covers intermediaries, hosting services,⁤ and online platforms, categorized ⁢into different tiers.

The DSA distinguishes​ between three main categories: (1) Intermediary services, which provide network infrastructure (like internet service providers); (2) Hosting ​services, which store information at the⁣ request of a user (like cloud⁢ storage); and ​(3) Online platforms, which allow users to share and disseminate information ‌(like‍ social media networks, online marketplaces, and app stores). Very⁢ Large Online Platforms (VLOPs) and Very Large Online Search Engines ⁣(VLOSEs)⁤ – those​ with 45 million ​or more monthly active users in the EU – face the most extensive obligations.

As of January 16, 2026, the ​European Commission has designated 45 VLOPs and vloses, including Alibaba, Amazon, Apple, Booking.com,ByteDance (TikTok),Facebook,Google,LinkedIn,Microsoft,Pinterest,Snapchat,X (formerly Twitter),and YouTube. A full list is available on the European Commission’s website: https://digital-strategy.ec.europa.eu/en/policies/digital-services-act-vloops-and-vloes.

What are ⁣the Key Obligations under the DSA?

The⁤ DSA imposes a ‌variety of obligations‌ on⁢ online⁢ platforms, designed⁢ to increase clarity, accountability, and⁤ user protection.⁤ These obligations are tiered,⁣ with VLOPs facing the most ⁢comprehensive requirements.

Key obligations include: (1) Content moderation systems: Platforms must establish clear and obvious procedures for removing illegal content and responding to user ⁢reports.(2) Transparency of advertising: Users must be able‌ to easily identify sponsored content ⁣and understand why they are seeing specific ads. (3) Risk assessments: VLOPs must conduct annual risk assessments to ‍identify and mitigate‌ systemic risks, such as⁤ the spread of illegal content, disinformation, and ⁣negative impacts on fundamental rights. (4) Independent audits: ⁣VLOPs ⁣are subject‍ to independent audits to verify their compliance with the DSA. (5) Data access for researchers: Researchers are granted access to platform data‌ to​ study ⁤online risks and⁤ behaviors.

On March 12, 2024, the⁣ European Commission formally requested ​data from X (formerly Twitter) to assess‌ its‌ compliance with the ‍DSA, specifically⁣ regarding ⁣the spread of illegal content and disinformation.‍ The Commission’s press release detailing⁢ this request can be found here.

What are the⁤ Penalties for⁢ Non-Compliance?

Non-compliance with the DSA can result in notable penalties, including fines of up ‌to 6% of a platform’s global annual revenue.⁤ The⁢ severity of the penalty depends on the nature and gravity of the violation.

The DSA also grants national‍ Digital Services Coordinators (DSCs) the power to investigate and ⁢enforce the law ​within their respective member ‍states. In cases of systemic violations, the European Commission has the authority to directly impose fines on VLOPs. Repeated serious infringements can even lead to a temporary ban on operating within​ the EU.

In December 2023, the European Commission‍ opened formal investigations into TikTok and X (formerly Twitter) over potential breaches ‍of ⁢the ​DSA, specifically concerning the protection of minors⁢ and the spread⁤ of illegal content.The official announcement of these investigations is available here.

What is the⁤ Relationship Between the DSA and the DMA?

The Digital⁣ Services Act (DSA) and the⁣ Digital Markets Act ⁣(DMA) are two complementary pieces of EU legislation designed to regulate the ‌digital⁣ space, but they

You may also like

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.