{"id":2372,"date":"2026-07-20T10:25:08","date_gmt":"2026-07-20T09:25:08","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2372"},"modified":"2026-07-20T10:27:18","modified_gmt":"2026-07-20T09:27:18","slug":"jak-na-hypoteku","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/","title":{"rendered":"Jak na novou hypot\u00e9ku: Cel\u00fd proces krok za krokem"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Vy\u0159\u00edzen\u00ed hypot\u00e9ky je jedn\u00edm z nejv\u011bt\u0161\u00edch finan\u010dn\u00edch miln\u00edk\u016f v \u017eivot\u011b.<\/strong> Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed. <strong>Tento pr\u016fvodce v\u00e1s p\u0159ehledn\u011b provede v\u0161emi f\u00e1zemi<\/strong> vy\u0159\u00edzen\u00ed hypote\u010dn\u00edho \u00fav\u011bru, od prvn\u00edch propo\u010dt\u016f a\u017e po \u00fasp\u011b\u0161n\u00e9 nast\u011bhov\u00e1n\u00ed.<br><\/p>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-1-vahy-o-hypot-ce-je-to-pro-m\">1. Prvn\u00ed \u00favahy: Je hypot\u00e9ka pro m\u011b spr\u00e1vnou volbou?<\/a><\/li><li class=\"\"><a href=\"#htoc-2-rozhodnut-koupit-nemovitost-jak-si-spr-vn-vybrat\">2. V\u00fdb\u011br nemovitosti: Jak si spr\u00e1vn\u011b vybrat?<\/a><\/li><li class=\"\"><a href=\"#htoc-3-nez-vazn-ov-en-v-e-hypot-ky-kolik-si-m-ete-dovolit\">3. Nez\u00e1vazn\u00e9 ov\u011b\u0159en\u00ed v\u00fd\u0161e hypot\u00e9ky: Kolik si m\u016f\u017eete dovolit?<\/a><\/li><li class=\"\"><a href=\"#htoc-4-v-b-r-nemovitosti-a-podpis-rezerva-n-smlouvy\">4. V\u00fdb\u011br nemovitosti a podpis rezerva\u010dn\u00ed smlouvy<\/a><\/li><li class=\"\"><a href=\"#htoc-5-schv-len-hypot-ky-a-podpis-smlouvy-jak-to-prob-h\">5. Schv\u00e1len\u00ed hypot\u00e9ky a podpis smlouvy: Jak to prob\u00edh\u00e1?<\/a><\/li><li class=\"\"><a href=\"#htoc-6-erp-n-hypot-ky-kdy-dostanete-pen-ze\">6. \u010cerp\u00e1n\u00ed hypot\u00e9ky: Kdy dostanete pen\u00edze?<\/a><\/li><li class=\"\"><a href=\"#htoc-7-p-evzet-nemovitosti-a-zm-na-adresy\">7. P\u0159evzet\u00ed nemovitosti a \u00fa\u0159edn\u00ed kole\u010dko<\/a><\/li><li class=\"\"><a href=\"#htoc-8-spl-cen-a-dal-podm-nky-co-je-dobr-v-d-t\">8. Spl\u00e1cen\u00ed a pr\u016fb\u011b\u017en\u00e1 p\u00e9\u010de o hypot\u00e9ku<\/a><\/li><li class=\"\"><a href=\"#htoc-9-servis-k-hypot-ce-starat-se-o-ni-je-d-le-it\">9. Servis: S hypot\u00e9kou na to nejste sami<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-1-vahy-o-hypot-ce-je-to-pro-m\" class=\"wp-block-heading\"><strong>1. Prvn\u00ed \u00favahy: Je hypot\u00e9ka pro m\u011b spr\u00e1vnou volbou?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u017e se pust\u00edte do prohl\u00eddek nemovitost\u00ed, je pot\u0159eba zhodnotit v\u00e1\u0161 aktu\u00e1ln\u00ed <strong>finan\u010dn\u00ed zdrav\u00ed<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-p-jmy-a-v-daje-ud-lejte-si-podrobn-p-ehled-rodinn-ho-rozpo-tu-zapo-tejte-nejen-pravideln-n-klady-na-ivot-ale-i-rezervu-pro-ne-ekan-v-daje\"><strong>P\u0159\u00edjmy a v\u00fddaje:<\/strong> Ud\u011blejte si podrobn\u00fd p\u0159ehled rodinn\u00e9ho rozpo\u010dtu. Zapo\u010d\u00edtejte nejen pravideln\u00e9 n\u00e1klady na \u017eivot, ale i rezervu pro ne\u010dekan\u00e9 v\u00fddaje.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-k-adatele-v-k-hraje-roli-p-i-stanoven-maxim-ln-d-lky-splatnosti-standardn-a-na-30-let-nejpozd-ji-v-ak-obvykle-do-65-a-70-let-v-ku-mlad-adatel-do-36-let-nav-c-mohou-vyu-t-v-hodn-j-podm-nky-ltv-pom-r-v-e-v-ru-k-hodnot-nemovitosti\"><strong>V\u011bk \u017eadatele:<\/strong> V\u011bk hraje roli p\u0159i stanoven\u00ed maxim\u00e1ln\u00ed d\u00e9lky splatnosti (standardn\u011b a\u017e na 30 let, nejpozd\u011bji v\u0161ak obvykle do 65 a\u017e 70 let v\u011bku). Mlad\u0161\u00ed \u017eadatel\u00e9 do 36 let nav\u00edc mohou vyu\u017e\u00edt v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky LTV (pom\u011br v\u00fd\u0161e \u00fav\u011bru k hodnot\u011b nemovitosti).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-vlastnictv-a-sjm-pokud-jste-v-man-elstv-nemovitost-i-hypot-ka-spadaj-do-spole-n-ho-jm-n-man-el-sjm-pokud-nem-te-ofici-ln-upraven-majetkov-pom-ry-nap-z-en-sjm\"><strong>Vlastnictv\u00ed a SJM:<\/strong> Pokud jste v man\u017eelstv\u00ed, nemovitost i hypot\u00e9ka spadaj\u00ed do spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f (SJM), pokud nem\u00e1te ofici\u00e1ln\u011b upraven\u00e9 majetkov\u00e9 pom\u011bry (nap\u0159. z\u00fa\u017een\u00ed SJM).<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">Ur\u010dit\u011b si p\u0159e\u010dt\u011bte n\u00e1\u0161 \u010dl\u00e1nek na t\u00e9ma: <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/\">Hypot\u00e9ka v man\u017eelstv\u00ed<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-specifick-situace-adatel-jako-osv-nebo-lid-s-minulou-insolvenc-sice-mohou-hypot-ku-z-skat-ale-dokl-d-n-p-jm-a-posuzov-n-bonity-u-nich-podl-h-p-sn-j-m-pravidl-m\"><strong>Specifick\u00e9 situace:<\/strong> \u017dadatel\u00e9 jako <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-pro-osvc-zamirte-do-spravne-banky\/\">OSV\u010c<\/a> nebo lid\u00e9 s minulou <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-po-insolvenci\/\">insolvenc\u00ed<\/a> sice mohou hypot\u00e9ku z\u00edskat, ale dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f a posuzov\u00e1n\u00ed bonity u nich podl\u00e9h\u00e1 p\u0159\u00edsn\u011bj\u0161\u00edm pravidl\u016fm.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-specifick-situace-adatel-jako-osv-nebo-lid-s-minulou-insolvenc-sice-mohou-hypot-ku-z-skat-ale-dokl-d-n-p-jm-a-posuzov-n-bonity-u-nich-podl-h-p-sn-j-m-pravidl-m1\">\ud83d\udca1 <strong>Tip:<\/strong> Hled\u00e1n\u00ed konkr\u00e9tn\u00edho bydlen\u00ed m\u016f\u017ee trvat t\u00fddny i m\u011bs\u00edce. Nesp\u011bchejte a projd\u011bte si v\u00edce nab\u00eddek na trhu, abyste z\u00edskali re\u00e1ln\u00fd p\u0159ehled o cen\u00e1ch v dan\u00e9 lokalit\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc49 Na jak vysokou hypot\u00e9ku dos\u00e1hnete <\/strong>zjist\u00edte pomoc\u00ed na\u0161\u00ed hypote\u010dn\u00ed kalkula\u010dky<\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version6\" id=\"iframeMortgageV6\" style=\"width:100%;height:593px;border:none\"><\/iframe>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-2-rozhodnut-koupit-nemovitost-jak-si-spr-vn-vybrat\" class=\"wp-block-heading\"><strong>2. V\u00fdb\u011br nemovitosti: Jak si spr\u00e1vn\u011b vybrat<\/strong>?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile m\u00e1te jasno ve sv\u00fdch finan\u010dn\u00edch mo\u017enostech, za\u010d\u00edn\u00e1 f\u00e1ze hled\u00e1n\u00ed. Promyslete si kl\u00ed\u010dov\u00e9 parametry:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-typ-nemovitosti-byt-rodinn-d-m-nebo-pozemek-ke-stavb\"><strong>Typ nemovitosti:<\/strong> Chci byt, rodinn\u00fd d\u016fm, nebo pozemek ke stavb\u011b?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-lokalita-a-ob-ansk-vybavenost-dopravn-dostupnost-koly-obchody-i-p-roda-v-okol\"><strong>Lokalita a ob\u010dansk\u00e1 vybavenost:<\/strong> Dopravn\u00ed dostupnost, \u0161koly, obchody \u010di p\u0159\u00edroda v okol\u00ed.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-stav-nemovitosti-je-nemovitost-p-ipravena-k-okam-it-mu-nast-hov-n-nebo-bude-vy-adovat-n-kladnou-rekonstrukci\"><strong>Stav nemovitosti:<\/strong> Je nemovitost p\u0159ipravena k okam\u017eit\u00e9mu nast\u011bhov\u00e1n\u00ed, nebo bude vy\u017eadovat n\u00e1kladnou rekonstrukci?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Tip:<\/strong> Hled\u00e1n\u00ed konkr\u00e9tn\u00edho bydlen\u00ed m\u016f\u017ee trvat t\u00fddny i m\u011bs\u00edce. Nesp\u011bchejte a projd\u011bte si v\u00edce nab\u00eddek na trhu, abyste z\u00edskali re\u00e1ln\u00fd p\u0159ehled o cen\u00e1ch v dan\u00e9 lokalit\u011b.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-3-nez-vazn-ov-en-v-e-hypot-ky-kolik-si-m-ete-dovolit\" class=\"wp-block-heading\"><strong>3. Nez\u00e1vazn\u00e9 ov\u011b\u0159en\u00ed v\u00fd\u0161e hypot\u00e9ky: Kolik si m\u016f\u017eete dovolit?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banky standardn\u011b neposkytuj\u00ed 100% hypot\u00e9ky. B\u011b\u017en\u011b financuj\u00ed <strong>do 70-80 % hodnoty nemovitosti<\/strong> (u \u017eadatel\u016f do 36 let \u010dasto a\u017e <strong>do 90 %<\/strong>). Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st mus\u00edte dofinancovat z vlastn\u00edch \u00faspor, ze stavebn\u00edho spo\u0159en\u00ed, p\u0159\u00edpadn\u011b ru\u010den\u00edm dal\u0161\u00ed nemovitost\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed pod\u00e1n\u00edm ostr\u00e9 \u017e\u00e1dosti si nechte prov\u00e9st pouze <strong>p\u0159edb\u011b\u017en\u00e9 propo\u010dty<\/strong>, abyste nezanechali negativn\u00ed stopy v \u00fav\u011brov\u00fdch registrech.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc49 Doporu\u010dujeme si proj\u00edt n\u011bkolik bankovn\u00edch nab\u00eddek a srovnat si je, abyste m\u011bli p\u0159ehled o mo\u017enostech. <\/strong>S t\u00edm v\u00e1m pom\u016f\u017ee na\u0161e hypote\u010dn\u00ed kalkula\u010dka:<br><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version5\" id=\"iframeMortgageV5\" style=\"width:100%;height:593px;border:none\"><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\">Nemus\u00edte se zat\u00edm rozhodovat pro konkr\u00e9tn\u00ed banku a u\u017e v\u016fbec v t\u00e9to f\u00e1zi <strong>nepod\u00e1vejte \u017e\u00e1dost o hypot\u00e9ku.<\/strong> Nejd\u0159\u00edve si zjist\u011bte mo\u017enosti financov\u00e1n\u00ed jen v rovin\u011b nez\u00e1vazn\u00fdch propo\u010dt\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc49 M\u016f\u017eete se tak\u00e9 obr\u00e1tit na <a href=\"https:\/\/www.fingo.cz\/kontakty\">finan\u010dn\u00edho zprost\u0159edkovatele<\/a>,<\/strong> kter\u00fd to za v\u00e1s ud\u011bl\u00e1 rychleji a efektivn\u011bji.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc49 Pokud si mysl\u00edte, \u017ee jste v situaci, kdy hroz\u00ed, \u017ee v\u00e1m banka hypote\u010dn\u00ed \u00fav\u011br ned\u00e1, doporu\u010dujeme si p\u0159edem nechat nez\u00e1visle a zdarma <a href=\"https:\/\/www.fingo.cz\/blog\/bonita\/\">ov\u011b\u0159it va\u0161i bonitu<\/a>. <\/strong>Proto\u017ee pak p\u0159\u00edpadn\u00fd negativn\u00ed v\u00fdsledek nebude m\u00edt dal\u0161\u00ed dopad na va\u0161\u00ed \u017e\u00e1dost o \u00fav\u011br.<\/p>\n\n\n\n<div style=\"height:43px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-4-v-b-r-nemovitosti-a-podpis-rezerva-n-smlouvy\" class=\"wp-block-heading\"><strong>4. V\u00fdb\u011br nemovitosti a podpis rezerva\u010dn\u00ed smlouvy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na\u0161li jste vysn\u011bn\u00fd d\u016fm \u010di byt? D\u0159\u00edve ne\u017e podep\u00ed\u0161ete rezerva\u010dn\u00ed smlouvu a zaplat\u00edte rezerva\u010dn\u00ed poplatek, prov\u011b\u0159te si dv\u011b v\u011bci:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-re-ln-tr-n-cena-ov-te-si-zda-inzerovan-cena-odpov-d-trhu-a-nen-nadhodnocen-k-tomu-v-m-m-e-pomoci-online-odhad-nemovitosti\"><strong>Re\u00e1ln\u00e1 tr\u017en\u00ed cena:<\/strong> Ov\u011b\u0159te si, zda inzerovan\u00e1 cena odpov\u00edd\u00e1 trhu a nen\u00ed nadhodnocen\u00e1. K tomu v\u00e1m m\u016f\u017ee pomoci online <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\" target=\"_blank\" rel=\"noreferrer noopener\">odhad nemovitosti<\/a>.<br><\/li>\n\n\n\n<li id=\"htoc-p-edb-n-souhlas-banky-v-dy-si-nejprve-nechte-schv-lit-va-i-bonitu-u-finan-n-ho-specialisty-pokud-by-v-m-banka-v-r-neschv-lila-a-vy-jste-ji-podepsali-rezerva-n-smlouvu-hroz-e-o-rezerva-n-poplatek-p-ijdete\"><strong>P\u0159edb\u011b\u017en\u00fd souhlas banky:<\/strong> V\u017edy si nejprve nechte schv\u00e1lit va\u0161i bonitu u finan\u010dn\u00edho specialisty. Pokud by v\u00e1m banka \u00fav\u011br neschv\u00e1lila a vy jste ji\u017e podepsali rezerva\u010dn\u00ed smlouvu, hroz\u00ed, \u017ee o rezerva\u010dn\u00ed poplatek p\u0159ijdete.<\/li>\n<\/ol>\n\n\n\n<div style=\"height:43px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-5-schv-len-hypot-ky-a-podpis-smlouvy-jak-to-prob-h\" class=\"wp-block-heading\"><strong>5. Schv\u00e1len\u00ed hypot\u00e9ky a podpis smlouvy: Jak to prob\u00edh\u00e1?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile je vybr\u00e1na konkr\u00e9tn\u00ed banka, nast\u00e1v\u00e1 proces ofici\u00e1ln\u00edho schvalov\u00e1n\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-posouzen-bonity-banka-si-ov-va-e-p-jmy-v-daje-a-registry-dlu-n-k\"><strong>Posouzen\u00ed bonity:<\/strong> Banka si ov\u011b\u0159\u00ed va\u0161e p\u0159\u00edjmy, v\u00fddaje a registry dlu\u017en\u00edk\u016f.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-odhad-nemovitosti-smluvn-odhadce-banky-stanov-z-stavn-hodnotu-nemovitosti\"><strong>Odhad nemovitosti:<\/strong> Smluvn\u00ed odhadce banky stanov\u00ed z\u00e1stavn\u00ed hodnotu nemovitosti.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-podpis-v-rov-a-z-stavn-smlouvy-po-schv-len-podep-ete-v-rovou-smlouvu-a-z-stavn-smlouvy-k-nemovitosti\"><strong>Podpis \u00fav\u011brov\u00e9 a z\u00e1stavn\u00ed smlouvy:<\/strong> Po schv\u00e1len\u00ed podep\u00ed\u0161ete \u00fav\u011brovou smlouvu a z\u00e1stavn\u00ed smlouvy k nemovitosti.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\"><strong> Pro hypot\u00e9ku mus\u00edte m\u00edt nemovitost, kterou budete ru\u010dit. <\/strong>P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek: <a href=\"https:\/\/www.fingo.cz\/blog\/zastava-nemovitosti\/\">\u010c\u00edm lze a nelze ru\u010dit pro hypot\u00e9ku.\u00a0<\/a><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-cba12c0a467e61abdc5eab8d0a521fd0 wp-block-paragraph\">\u26a0\ufe0f <strong>Pozor na datum spl\u00e1tky:<\/strong> P\u0159i sjedn\u00e1v\u00e1n\u00ed hypot\u00e9ky si zvolte term\u00edn m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a\u017e n\u011bkolik dn\u00ed po va\u0161em obvykl\u00e9m datu v\u00fdplaty. P\u0159edejdete tak riziku, \u017ee se kv\u016fli zpo\u017ed\u011bn\u00e9 v\u00fdplat\u011b dostanete do prodlen\u00ed.<\/p>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-6-erp-n-hypot-ky-kdy-dostanete-pen-ze\" class=\"wp-block-heading\"><strong>6. \u010cerp\u00e1n\u00ed hypot\u00e9ky: Kdy dostanete pen\u00edze?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">K samotn\u00e9mu \u010derp\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f doch\u00e1z\u00ed po spln\u011bn\u00ed podm\u00ednek stanoven\u00fdch bankou. Mezi hlavn\u00edm podm\u00ednky pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-pod-n-n-vrhu-na-vklad-z-stavn-ho-pr-va-do-katastru-nemovitost\">Pod\u00e1n\u00ed n\u00e1vrhu na vklad z\u00e1stavn\u00edho pr\u00e1va do <strong>katastru nemovitost\u00ed.<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-p-edlo-en-kupn-smlouvy-p-padn-smlouvy-o-schov-pen-z\">P\u0159edlo\u017een\u00ed <strong>kupn\u00ed smlouvy<\/strong> (p\u0159\u00edpadn\u011b smlouvy o \u00faschov\u011b pen\u011bz).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-sjedn-n-poji-t-n-nemovitosti-a-vlo-en-vinkulace-ve-prosp-ch-banky\">Sjedn\u00e1n\u00ed <strong>poji\u0161t\u011bn\u00ed nemovitosti<\/strong> (a vlo\u017een\u00ed vinkulace ve prosp\u011bch banky).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Banka vyplat\u00ed pen\u00edze v\u011bt\u0161inou p\u0159\u00edmo na \u00fa\u010det prod\u00e1vaj\u00edc\u00edho podle podm\u00ednek uveden\u00fdch ve smlouv\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udee1\ufe0f <strong>Nezapome\u0148te na poji\u0161t\u011bn\u00ed:<\/strong> Banky vy\u017eaduj\u00ed m\u00edt zastavovanou <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\/rozcestnik\">nemovitost poji\u0161t\u011bnou<\/a> od prvn\u00edho dne \u010derp\u00e1n\u00ed. Vhodn\u00e9 je zv\u00e1\u017eit tak\u00e9 <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> nebo <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-schopnosti-splacet-prinasi-jistotu-v-nejiste-dobe-vsespasitelne-ale-neni\/\">poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/a>, kter\u00e9 ochran\u00ed va\u0161i rodinu v ne\u010dekan\u00fdch \u017eivotn\u00edch situac\u00edch.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-7-p-evzet-nemovitosti-a-zm-na-adresy\" class=\"wp-block-heading\"><strong>7. P\u0159evzet\u00ed nemovitosti <\/strong>a \u00fa\u0159edn\u00ed kole\u010dko<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po vyplacen\u00ed kupn\u00ed ceny prob\u011bhne samotn\u00e9 p\u0159ed\u00e1n\u00ed nemovitosti. Nezapome\u0148te na tyto kroky:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-p-ed-vac-protokol-zaznamenejte-stav-m-idel-elekt-ina-plyn-voda\"><strong>P\u0159ed\u00e1vac\u00ed protokol:<\/strong> Zaznamenejte stav m\u011b\u0159idel (elekt\u0159ina, plyn, voda).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-p-epis-energi-p-eve-te-smlouvy-s-dodavateli-energi-na-sv-jm-no\"><strong>P\u0159epis energi\u00ed:<\/strong> P\u0159eve\u010fte smlouvy s dodavateli energi\u00ed na sv\u00e9 jm\u00e9no.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-kontrola-katastru-jakmile-katastr-dokon-p-epis-vlastnick-ho-pr-va-dolo-te-bance-nov-list-vlastnictv-lv\"><strong>Kontrola katastru:<\/strong> Jakmile katastr dokon\u010d\u00ed p\u0159epis vlastnick\u00e9ho pr\u00e1va, dolo\u017ete bance nov\u00fd list vlastnictv\u00ed (LV).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-zm-na-trval-ho-pobytu-nahlaste-novou-adresu-na-adech-v-pr-ci-u-bank-i-poji-oven\"><strong>Zm\u011bna trval\u00e9ho pobytu:<\/strong> Nahlaste novou adresu na \u00fa\u0159adech, v pr\u00e1ci, u bank i poji\u0161\u0165oven.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-8-spl-cen-a-dal-podm-nky-co-je-dobr-v-d-t\" class=\"wp-block-heading\"><strong>8. Spl\u00e1cen\u00ed a <\/strong>pr\u016fb\u011b\u017en\u00e1 p\u00e9\u010de o hypot\u00e9ku<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u011bs\u00ed\u010dn\u00ed spl\u00e1cen\u00ed prob\u00edh\u00e1 automaticky z va\u0161eho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Aby v\u0161e fungovalo bez probl\u00e9m\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-nastavte-si-trval-p-kaz-s-dostate-n-m-p-edstihem\">Nastavte si trval\u00fd p\u0159\u00edkaz s dostate\u010dn\u00fdm p\u0159edstihem.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-m-jte-na-tu-finan-n-rezerva-pro-p-pad-v-padku-p-jmu\">M\u011bjte na \u00fa\u010dtu finan\u010dn\u00ed rezervu pro p\u0159\u00edpad v\u00fdpadku p\u0159\u00edjmu.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-sledujte-trv-n-sv-fixace-rokov-sazby\">Sledujte trv\u00e1n\u00ed sv\u00e9 <strong>fixace \u00farokov\u00e9 sazby<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i p\u0159ed\u010dasn\u00e9m splacen\u00ed nebo refinancov\u00e1n\u00ed mimo obdob\u00ed konce fixace myslete na legislativn\u00ed pravidla upravuj\u00edc\u00ed \u00fa\u010deln\u011b vynalo\u017een\u00e9 n\u00e1klady bank. Ka\u017ed\u00e9 bl\u00ed\u017e\u00edc\u00ed se v\u00fdro\u010d\u00ed fixace je v\u0161ak ide\u00e1ln\u00ed p\u0159\u00edle\u017eitost\u00ed k prov\u011b\u0159en\u00ed v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek na trhu.<\/p>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-9-servis-k-hypot-ce-starat-se-o-ni-je-d-le-it\" class=\"wp-block-heading\"><strong>9. Servis: S hypot\u00e9kou na to nejste sami<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hypot\u00e9ka je z\u00e1vazek na n\u011bkolik desetilet\u00ed. B\u011bhem t\u00e9to doby se m\u011bn\u00ed jak va\u0161e \u017eivotn\u00ed situace, tak podm\u00ednky na finan\u010dn\u00edm trhu. O hypot\u00e9ku je proto pot\u0159eba pe\u010dovat i v pr\u016fb\u011bhu jej\u00edho spl\u00e1cen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udee1\ufe0f <strong>Tip FinGO.cz:<\/strong> Sjedn\u00e1n\u00edm hypot\u00e9ky n\u00e1\u0161 servis nekon\u010d\u00ed. <a href=\"https:\/\/www.fingo.cz\/kontakty\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/kontakty\">Specialist\u00e9 z <strong>FinGO.cz<\/strong><\/a> v\u00e1m pomohou proj\u00edt cel\u00fdm procesem od porovn\u00e1n\u00ed nab\u00eddek nap\u0159\u00ed\u010d trhem, p\u0159es pap\u00edrov\u00e1n\u00ed a komunikaci s bankou, a\u017e po n\u00e1sledn\u00e9 refinancov\u00e1n\u00ed hypot\u00e9ky. Ve\u0161ker\u00e9 slu\u017eby jsou pro v\u00e1s nav\u00edc zcela <strong>zdarma a bez z\u00e1vazk\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-341ad9ba8737b595a7bb0dd4df861705 wp-block-paragraph\"><strong>Tip:<\/strong> Ka\u017ed\u00e9 v\u00fdro\u010d\u00ed fixace \u00farokov\u00e9 sazby je ide\u00e1ln\u00ed p\u0159\u00edle\u017eitost pro p\u0159ehodnocen\u00ed podm\u00ednek hypot\u00e9ky.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\"><strong>Refinancov\u00e1n\u00ed m\u016f\u017ee b\u00fdt spojeno s pom\u011brn\u011b vysok\u00fdm poplatkem banky.<\/strong> Jak na refinancov\u00e1n\u00ed a v jak\u00fdch p\u0159\u00edpadech se m\u016f\u017eete poplatku vyhnout se dozv\u00edte v <a href=\"https:\/\/www.fingo.cz\/blog\/predcasne-splaceni-hypoteky\/\">na\u0161em \u010dl\u00e1nku<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vy\u0159\u00edzen\u00ed hypot\u00e9ky je jedn\u00edm z nejv\u011bt\u0161\u00edch finan\u010dn\u00edch miln\u00edk\u016f v \u017eivot\u011b. Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed. Tento pr\u016fvodce v\u00e1s p\u0159ehledn\u011b provede v\u0161emi f\u00e1zemi vy\u0159\u00edzen\u00ed hypote\u010dn\u00edho \u00fav\u011bru, od prvn\u00edch propo\u010dt\u016f a\u017e po \u00fasp\u011b\u0161n\u00e9 nast\u011bhov\u00e1n\u00ed. 1. Prvn\u00ed \u00favahy: Je hypot\u00e9ka pro m\u011b spr\u00e1vnou volbou? Ne\u017e se pust\u00edte do prohl\u00eddek nemovitost\u00ed, je pot\u0159eba zhodnotit v\u00e1\u0161 aktu\u00e1ln\u00ed finan\u010dn\u00ed zdrav\u00ed. Ur\u010dit\u011b si p\u0159e\u010dt\u011bte n\u00e1\u0161 \u010dl\u00e1nek na t\u00e9ma: Hypot\u00e9ka v man\u017eelstv\u00ed. \ud83d\udca1 Tip: Hled\u00e1n\u00ed konkr\u00e9tn\u00edho bydlen\u00ed m\u016f\u017ee trvat t\u00fddny i m\u011bs\u00edce. Nesp\u011bchejte a projd\u011bte si v\u00edce nab\u00eddek na trhu, abyste z\u00edskali re\u00e1ln\u00fd p\u0159ehled o cen\u00e1ch v dan\u00e9 lokalit\u011b. \ud83d\udc49 Na jak vysokou hypot\u00e9ku dos\u00e1hnete zjist\u00edte pomoc\u00ed na\u0161\u00ed hypote\u010dn\u00ed kalkula\u010dky 2. V\u00fdb\u011br nemovitosti: Jak si spr\u00e1vn\u011b vybrat? Jakmile m\u00e1te jasno ve sv\u00fdch finan\u010dn\u00edch mo\u017enostech, za\u010d\u00edn\u00e1 f\u00e1ze hled\u00e1n\u00ed. Promyslete si kl\u00ed\u010dov\u00e9 parametry: \ud83d\udca1 Tip: Hled\u00e1n\u00ed konkr\u00e9tn\u00edho bydlen\u00ed m\u016f\u017ee trvat t\u00fddny i m\u011bs\u00edce. Nesp\u011bchejte a projd\u011bte si v\u00edce nab\u00eddek na trhu, abyste z\u00edskali re\u00e1ln\u00fd p\u0159ehled o cen\u00e1ch v dan\u00e9 lokalit\u011b. 3. Nez\u00e1vazn\u00e9 ov\u011b\u0159en\u00ed v\u00fd\u0161e hypot\u00e9ky: Kolik si m\u016f\u017eete dovolit? Banky standardn\u011b neposkytuj\u00ed 100% hypot\u00e9ky. B\u011b\u017en\u011b financuj\u00ed do 70-80 % hodnoty nemovitosti (u \u017eadatel\u016f do 36 let \u010dasto a\u017e do 90 %). Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st mus\u00edte dofinancovat z vlastn\u00edch \u00faspor, [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2374,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[12,13],"class_list":["post-2372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-hypoteka","tag-jana-vaisova"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak na novou hypot\u00e9ku: Cel\u00fd proces krok za krokem - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete novou hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak na novou hypot\u00e9ku: Cel\u00fd proces krok za krokem\" \/>\n<meta property=\"og:description\" content=\"Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete novou hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-20T09:25:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-20T09:27:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/10\/hypoteky_krok_za_krokem_1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jana Vaisov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jana Vaisov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\"},\"author\":{\"name\":\"Jana Vaisov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/efd0cb45244498b47386dbd21c9b0a3c\"},\"headline\":\"Jak na novou hypot\u00e9ku: Cel\u00fd proces krok za krokem\",\"datePublished\":\"2026-07-20T09:25:08+00:00\",\"dateModified\":\"2026-07-20T09:27:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\"},\"wordCount\":1575,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/hypoteky_krok_za_krokem_1.png\",\"keywords\":[\"hypot\u00e9ka\",\"Jana Vaisov\u00e1\"],\"articleSection\":[\"Hypot\u00e9ky\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\",\"name\":\"Jak na novou hypot\u00e9ku: Cel\u00fd proces krok za krokem - 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