{"id":676,"date":"2026-08-18T15:16:42","date_gmt":"2026-08-18T14:16:42","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=676"},"modified":"2026-08-18T15:21:50","modified_gmt":"2026-08-18T14:21:50","slug":"jak-dlouho-trva-vyrizeni-hypoteky","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-dlouho-trva-vyrizeni-hypoteky\/","title":{"rendered":"Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed hypot\u00e9ky? Kompletn\u00ed \u010dasov\u00fd harmonogram krok za krokem"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Cesta za vlastn\u00edm bydlen\u00edm neza\u010d\u00edn\u00e1 podpisem kupn\u00ed smlouvy.<\/strong> Za\u010d\u00edn\u00e1 mnohem d\u0159\u00edve u d\u016fkladn\u00e9 finan\u010dn\u00ed inventury. Pokud se rozhodnete vy\u0159\u00eddit hypot\u00e9ku sami, \u010dek\u00e1 v\u00e1s nejd\u0159\u00edve podrobn\u00e1 anal\u00fdza vlastn\u00edch mo\u017enost\u00ed. Mus\u00edte zjistit, <strong>zda na \u00fav\u011br v\u016fbec dos\u00e1hnete a za jak\u00fdch podm\u00ednek.<\/strong><\/p>\n\n\n\n<div style=\"height:26px\" 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\">Obsah<\/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-podklady-k-hypot-ce-kter-dokumenty-mus-te-shrom-dit-a-jak-dlouho-to-trv\">Kter\u00e9 dokumenty mus\u00edte shrom\u00e1\u017edit a jak dlouho to trv\u00e1?<\/a><\/li><li class=\"\"><a href=\"#htoc-doba-vy-zen-podle-druhu-hypot-ky-koup-stavba-nebo-refinancov-n\">Doba vy\u0159\u00edzen\u00ed podle druhu hypot\u00e9ky: Koup\u011b, stavba, nebo refinancov\u00e1n\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-odhad-nemovitosti-a-jeho-d-lka-pro-pap-rov-odhadce-brzd-cel-proces\">Odhad nemovitosti a jeho d\u00e9lka<\/a><\/li><li class=\"\"><a href=\"#htoc-schvalovac-proces-v-bance-jak-se-li-rychlost-u-jednotliv-ch-bankovn-ch-dom\">Jak se li\u0161\u00ed rychlost u jednotliv\u00fdch bankovn\u00edch dom\u016f?<\/a><\/li><li class=\"\"><a href=\"#htoc-asov-osa-krok-za-krokem-od-rezerva-n-smlouvy-po-erp-n-pen-z\">\u010casov\u00e1 osa krok za krokem: Od rezerva\u010dn\u00ed smlouvy po \u010derp\u00e1n\u00ed pen\u011bz<\/a><\/li><li class=\"\"><a href=\"#htoc-ast-chyby-a-pitfally-co-nej-ast-ji-prodlu-uje-cestu-k-pen-z-m\">\u010cast\u00e9 chyby: Co nej\u010dast\u011bji prodlu\u017euje cestu k pen\u011bz\u016fm?<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-urychlit-hypot-ku-praktick-tipy-kter-v-m-u-et-t-dny-ek-n\">Praktick\u00e9 tipy, kter\u00e9 v\u00e1m u\u0161et\u0159\u00ed t\u00fddny \u010dek\u00e1n\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-p-edschv-len-hypot-ka-e-en-pro-ty-kte-cht-j-m-t-jistotu-p-edem\">P\u0159edschv\u00e1len\u00e1 hypot\u00e9ka<\/a><\/li><li class=\"\"><a href=\"#htoc-fingo-jako-v-pr-vodce-jak-na-i-specialist-zkracuj-proces-na-minimum\">Jak na\u0161i specialist\u00e9 zkracuj\u00ed proces na minimum<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-podklady-k-hypot-ce-kter-dokumenty-mus-te-shrom-dit-a-jak-dlouho-to-trv\" class=\"wp-block-heading\">Kter\u00e9 dokumenty mus\u00edte shrom\u00e1\u017edit a jak dlouho to trv\u00e1?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po v\u00fdb\u011bru banky v\u00e1s \u010dek\u00e1 nejv\u011bt\u0161\u00ed administrativn\u00ed z\u00e1t\u011b\u017e. <strong>Mus\u00edte shrom\u00e1\u017edit des\u00edtky dokument\u016f<\/strong>. Bez pomoci poradce tento krok obvykle trv\u00e1 7 a\u017e 14 dn\u00ed. Rychlost z\u00e1vis\u00ed pouze na va\u0161\u00ed aktivit\u011b. Banka vy\u017eaduje potvrzen\u00ed o p\u0159\u00edjmech i dokumenty k nemovitosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc47 Mezi z\u00e1kladn\u00ed podklady, kter\u00e9 mus\u00edte sami zajistit, pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-potvrzen-o-v-i-pracovn-ho-p-jmu-zam-stnavatel-v-m-mus-vyplnit-ofici-ln-formul-banky-mzdov-t-rny-na-to-pot-ebuj-2-a-5-dn-potvrzen-nesm-b-t-star-ne-30-dn\"><strong>Potvrzen\u00ed o v\u00fd\u0161i pracovn\u00edho p\u0159\u00edjmu:<\/strong> Zam\u011bstnavatel v\u00e1m mus\u00ed vyplnit ofici\u00e1ln\u00ed formul\u00e1\u0159 banky. Mzdov\u00e9 \u00fa\u010dt\u00e1rny na to pot\u0159ebuj\u00ed 2 a\u017e 5 dn\u00ed. Potvrzen\u00ed nesm\u00ed b\u00fdt star\u0161\u00ed ne\u017e 30 dn\u016f.<br><\/li>\n\n\n\n<li id=\"htoc-da-ov-p-izn-n-pro-osv-podnikatel-dokl-daj-da-ov-p-izn-n-za-1-a-2-roky-pot-ebujete-tak-potvrzen-o-pod-n-a-doklad-o-zaplacen-dan-d-le-mus-te-z-skat-potvrzen-o-bezdlu-nosti-od-finan-n-ho-adu-a-ossz-p-es-datovou-schr-nku-to-trv-1-a-3-dny-osobn-i-t-den\"><strong>Da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed pro OSV\u010c:<\/strong> Podnikatel\u00e9 dokl\u00e1daj\u00ed da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed za 1 a\u017e 2 roky. Pot\u0159ebujete tak\u00e9 potvrzen\u00ed o pod\u00e1n\u00ed a doklad o zaplacen\u00ed dan\u011b. D\u00e1le mus\u00edte z\u00edskat potvrzen\u00ed o bezdlu\u017enosti od finan\u010dn\u00edho \u00fa\u0159adu a OSSZ. P\u0159es datovou schr\u00e1nku to trv\u00e1 1 a\u017e 3 dny, osobn\u011b i t\u00fdden.<br><\/li>\n\n\n\n<li id=\"htoc-v-pisy-z-b-n-ho-tu-banky-vy-aduj-kompletn-v-pisy-za-3-a-6-m-s-c-stahujte-je-p-mo-z-bankovnictv-ve-form-tu-pdf-oskenovan-pap-ry-nebo-pouh-p-ehledy-transakc-banka-neuzn\"><strong>V\u00fdpisy z b\u011b\u017en\u00e9ho \u00fa\u010dtu:<\/strong> Banky vy\u017eaduj\u00ed kompletn\u00ed v\u00fdpisy za 3 a\u017e 6 m\u011bs\u00edc\u016f. Stahujte je p\u0159\u00edmo z bankovnictv\u00ed ve form\u00e1tu PDF. Oskenovan\u00e9 pap\u00edry nebo pouh\u00e9 p\u0159ehledy transakc\u00ed banka neuzn\u00e1.<br><\/li>\n\n\n\n<li id=\"htoc-dokumenty-k-nemovitosti-pot-ebujete-n-vrh-kupn-smlouvy-list-vlastnictv-a-nab-vac-titul-prod-vaj-c-ho-tyto-podklady-mus-te-sami-vy-dat-od-prod-vaj-c-ho-nebo-realitn-kancel-e\"><strong>Dokumenty k nemovitosti:<\/strong> Pot\u0159ebujete n\u00e1vrh kupn\u00ed smlouvy, list vlastnictv\u00ed a nab\u00fdvac\u00ed titul prod\u00e1vaj\u00edc\u00edho. Tyto podklady mus\u00edte sami vy\u017e\u00e1dat od prod\u00e1vaj\u00edc\u00edho nebo realitn\u00ed kancel\u00e1\u0159e.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f \u017d\u00e1d\u00e1te-li v p\u00e1ru, mus\u00edte v\u0161e dolo\u017eit pro oba \u017eadatele. Jak\u00e1koli chyba nebo ne\u010diteln\u00fd sken vr\u00e1t\u00ed proces na za\u010d\u00e1tek. To m\u016f\u017ee sb\u011br podklad\u016f prodlou\u017eit o dal\u0161\u00ed t\u00fdden.<\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-doba-vy-zen-podle-druhu-hypot-ky-koup-stavba-nebo-refinancov-n\" class=\"wp-block-heading\">Doba vy\u0159\u00edzen\u00ed podle druhu hypot\u00e9ky: Koup\u011b, stavba, nebo refinancov\u00e1n\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00da\u010del \u00fav\u011bru z\u00e1sadn\u011b ovliv\u0148uje rychlost vy\u0159\u00edzen\u00ed. N\u011bkter\u00e9 hypot\u00e9ky schv\u00e1l\u00edte za dva t\u00fddny. Jin\u00e9 se mohou prot\u00e1hnout na m\u011bs\u00edce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Pod\u00edvejme se na pr\u016fm\u011brn\u00e9 \u010dasov\u00e9 r\u00e1mce pro jednotliv\u00e9 typy \u00fav\u011br\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-koup-nemovitosti-3-4-t-dny-nej-ast-j-p-pad-nemovitost-stoj-a-banka-pouze-ov-uje-jej-hodnotu-a-va-i-bonitu\"><strong>Koup\u011b nemovitosti (3\u20134 t\u00fddny):<\/strong> Nej\u010dast\u011bj\u0161\u00ed p\u0159\u00edpad. Nemovitost stoj\u00ed a banka pouze ov\u011b\u0159uje jej\u00ed hodnotu a va\u0161i bonitu.<br><\/li>\n\n\n\n<li id=\"htoc-stavba-rodinn-ho-domu-5-8-t-dn-nejslo-it-j-proces-mus-te-dolo-it-projekt-polo-kov-rozpo-et-stavebn-povolen-a-smlouvu-se-stavebn-firmou-odhadce-stanovuje-budouc-hodnotu-erp-n-pen-z-prob-h-postupn-na-etapy\"><strong>Stavba rodinn\u00e9ho domu (5\u20138 t\u00fddn\u016f):<\/strong> Nejslo\u017eit\u011bj\u0161\u00ed proces. Mus\u00edte dolo\u017eit projekt, polo\u017ekov\u00fd rozpo\u010det, stavebn\u00ed povolen\u00ed a smlouvu se stavebn\u00ed firmou. Odhadce stanovuje budouc\u00ed hodnotu. \u010cerp\u00e1n\u00ed pen\u011bz prob\u00edh\u00e1 postupn\u011b na etapy.<br><\/li>\n\n\n\n<li id=\"htoc-rekonstrukce-4-5-t-dn-vy-aduje-polo-kov-rozpo-et-a-harmonogram-prac-u-men-ch-prav-bez-stavebn-ho-povolen-je-proces-rychlej\"><strong>Rekonstrukce (4\u20135 t\u00fddn\u016f):<\/strong> Vy\u017eaduje polo\u017ekov\u00fd rozpo\u010det a harmonogram prac\u00ed. U men\u0161\u00edch \u00faprav bez stavebn\u00edho povolen\u00ed je proces rychlej\u0161\u00ed.<br><\/li>\n\n\n\n<li id=\"htoc-refinancov-n-st-vaj-c-ho-v-ru-2-t-dny-nejrychlej-cesta-nov-banka-asto-nevy-aduje-dokl-d-n-p-jm-n-kdy-sta-online-odhad-nejd-le-trv-ek-n-na-vy-slen-dluhu-od-p-vodn-banky\"><strong>Refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edho \u00fav\u011bru (2 t\u00fddny):<\/strong> Nejrychlej\u0161\u00ed cesta. Nov\u00e1 banka \u010dasto nevy\u017eaduje dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. N\u011bkdy sta\u010d\u00ed online odhad. Nejd\u00e9le trv\u00e1 \u010dek\u00e1n\u00ed na vy\u010d\u00edslen\u00ed dluhu od p\u016fvodn\u00ed banky.<br><\/li>\n\n\n\n<li id=\"htoc-vyrovn-n-majetkov-ch-pod-l-3-4-t-dny-e-se-p-i-rozvodu-nebo-d-dictv-rychlost-z-vis-na-pr-vn-ch-dohod-ch-a-bonit-adatele\"><strong>Vyrovn\u00e1n\u00ed majetkov\u00fdch pod\u00edl\u016f (3\u20134 t\u00fddny):<\/strong> \u0158e\u0161\u00ed se p\u0159i rozvodu nebo d\u011bdictv\u00ed. Rychlost z\u00e1vis\u00ed na pr\u00e1vn\u00edch dohod\u00e1ch a bonit\u011b \u017eadatele.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/06\/c\u030cas.na\u0301roc\u030cnost-hypote\u0301ky.png\" alt=\"\" class=\"wp-image-3020\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/06\/c\u030cas.na\u0301roc\u030cnost-hypote\u0301ky.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/06\/c\u030cas.na\u0301roc\u030cnost-hypote\u0301ky-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/06\/c\u030cas.na\u0301roc\u030cnost-hypote\u0301ky-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-odhad-nemovitosti-a-jeho-d-lka-pro-pap-rov-odhadce-brzd-cel-proces\" class=\"wp-block-heading\">Odhad nemovitosti a jeho d\u00e9lka<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nej\u010dast\u011bj\u0161\u00edm m\u00edstem nepl\u00e1novan\u00e9ho zpo\u017ed\u011bn\u00ed je odhad nemovitosti. <strong>Banka v\u00e1m nep\u016fj\u010d\u00ed pen\u00edze jen na z\u00e1klad\u011b kupn\u00ed ceny.<\/strong> Pot\u0159ebuje nez\u00e1visl\u00e9 ov\u011b\u0159en\u00ed hodnoty pro p\u0159\u00edpad, \u017ee byste p\u0159estali spl\u00e1cet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fyzick\u00fd odhad nemovitosti trv\u00e1 7 a\u017e 14 dn\u00ed.<\/strong> <strong>Vyt\u00ed\u017een\u00ed odhadc\u016f b\u00fdv\u00e1 vysok\u00e9<\/strong>, jen na prohl\u00eddku m\u016f\u017eete \u010dekat t\u00fdden. Vypracov\u00e1n\u00ed protokolu pak zabere dal\u0161\u00edch 3 a\u017e 5 dn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U byt\u016f ve v\u011bt\u0161\u00edch m\u011bstech nebo p\u0159i refinancov\u00e1n\u00ed m\u016f\u017eete vyu\u017e\u00edt <strong><a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\">online odhad<\/a><\/strong>, kter\u00fd porovn\u00e1 parametry s cenov\u00fdmi mapami. <strong>Tento odhad je hotov\u00fd za 1 a\u017e 2 dny a b\u00fdv\u00e1 zdarma<\/strong>. Hodnota v\u0161ak m\u016f\u017ee vyj\u00edt o 5 a\u017e 10 % konzervativn\u011bji ne\u017e u fyzick\u00e9ho odhadu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udfe0 U stavby nebo rekonstrukce se fyzick\u00e9mu odhadu nevyhnete. Odhadce hodnot\u00ed sou\u010dasn\u00fd stav i budouc\u00ed hodnotu podle rozpo\u010dtu. Tento proces trv\u00e1 v pr\u016fm\u011bru o t\u00fdden d\u00e9le.<\/p>\n\n\n\n<div style=\"height:38px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-schvalovac-proces-v-bance-jak-se-li-rychlost-u-jednotliv-ch-bankovn-ch-dom\" class=\"wp-block-heading\">Jak se li\u0161\u00ed rychlost u jednotliv\u00fdch bankovn\u00edch dom\u016f?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po odevzd\u00e1n\u00ed v\u0161ech podklad\u016f a odhadu p\u0159eb\u00edr\u00e1 p\u0159\u00edpad schvalovatel banky. Zde se rozhoduje o definitivn\u00edm schv\u00e1len\u00ed a p\u0159\u00edprav\u011b smluv. <strong>Rychlost se u jednotliv\u00fdch bank v\u00fdrazn\u011b li\u0161\u00ed.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 \u010cesk\u00e1 spo\u0159itelna, MONETA Money Bank nebo Raiffeisenbank vyu\u017e\u00edvaj\u00ed automatick\u00fd prescoring. Z\u00e1kladn\u00ed bonitu vyhodnot\u00ed okam\u017eit\u011b. U standardn\u00edch p\u0159\u00edpad\u016f <strong>schv\u00e1l\u00ed \u00fav\u011br za 2 a\u017e 4 dny.<\/strong> Velmi rychl\u00e1 je tak\u00e9 Hypote\u010dn\u00ed banka. Ta \u00fazce spolupracuje s extern\u00edmi makl\u00e9\u0159i p\u0159es p\u0159\u00edm\u00e9 API propojen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd51 U jin\u00fdch bank si po\u010dk\u00e1te d\u00e9le. UniCredit Bank nebo mBank <strong>schvaluj\u00ed standardn\u011b 7 a\u017e 14 dn\u00ed<\/strong>. Oberbank se zam\u011b\u0159uje na individu\u00e1ln\u00ed \u0159e\u0161en\u00ed na m\u00edru. Nab\u00edz\u00ed flexibiln\u00ed p\u0159\u00edstup, ale schvalov\u00e1n\u00ed na centr\u00e1le v Rakousku m\u016f\u017ee trvat 3 t\u00fddny i d\u00e9le.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rychlost ovliv\u0148uje i sez\u00f3na. V \u010dervenci a srpnu se lh\u016fty prodlu\u017euj\u00ed kv\u016fli dovolen\u00fdm. Podobn\u00e1 situace nast\u00e1v\u00e1 na konci roku p\u0159ed v\u00e1no\u010dn\u00edmi sv\u00e1tky.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-asov-osa-krok-za-krokem-od-rezerva-n-smlouvy-po-erp-n-pen-z\" class=\"wp-block-heading\">\u010casov\u00e1 osa krok za krokem: Od rezerva\u010dn\u00ed smlouvy po \u010derp\u00e1n\u00ed pen\u011bz<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste se vyhnuli pokut\u00e1m v rezerva\u010dn\u00ed smlouv\u011b, mus\u00edte zn\u00e1t celou \u010dasovou osu. Schv\u00e1len\u00ed hypot\u00e9ky je teprve polovina cesty k pen\u011bz\u016fm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u23f3 Harmonogram koup\u011b bytu bez pomoci poradce:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-p-prava-a-prescoring-1-3-den-prov-en-registr-v-po-et-maxim-ln-v-e-v-ru-a-v-b-r-banky\"><strong>P\u0159\u00edprava a prescoring (1.\u20133. den):<\/strong> Prov\u011b\u0159en\u00ed registr\u016f, v\u00fdpo\u010det maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru a v\u00fdb\u011br banky.<br><\/li>\n\n\n\n<li id=\"htoc-sb-r-podklad-4-10-den-zaji-t-n-potvrzen-o-p-jmech-v-pis-z-tu-a-n-vrh-kupn-ch-smluv\"><strong>Sb\u011br podklad\u016f (4.\u201310. den):<\/strong> Zaji\u0161t\u011bn\u00ed potvrzen\u00ed o p\u0159\u00edjmech, v\u00fdpis\u016f z \u00fa\u010dtu a n\u00e1vrh\u016f kupn\u00edch smluv.<br><\/li>\n\n\n\n<li id=\"htoc-zpracov-n-odhadu-nemovitosti-11-18-den-objedn-n-odhadce-prohl-dka-bytu-a-vypracov-n-odhadu\"><strong>Zpracov\u00e1n\u00ed odhadu nemovitosti (11.\u201318. den):<\/strong> Objedn\u00e1n\u00ed odhadce, prohl\u00eddka bytu a vypracov\u00e1n\u00ed odhadu.<br><\/li>\n\n\n\n<li id=\"htoc-schv-len-hypot-ky-a-tvorba-smluv-19-24-den-posouzen-dosti-risk-mana-erem-banky-a-vygenerov-n-smluv\"><strong>Schv\u00e1len\u00ed hypot\u00e9ky a tvorba smluv (19.\u201324. den):<\/strong> Posouzen\u00ed \u017e\u00e1dosti risk mana\u017eerem banky a vygenerov\u00e1n\u00ed smluv.<br><\/li>\n\n\n\n<li id=\"htoc-podpis-smluvn-dokumentace-25-28-den-podpis-v-rov-smlouvy-v-bance-a-z-stavn-ch-smluv-s-prod-vaj-c-m\"><strong>Podpis smluvn\u00ed dokumentace (25.\u201328. den):<\/strong> Podpis \u00fav\u011brov\u00e9 smlouvy v bance a z\u00e1stavn\u00edch smluv s prod\u00e1vaj\u00edc\u00edm.<br><\/li>\n\n\n\n<li id=\"htoc-z-stavn-pr-vo-a-ochrann-lh-ta-katastru-29-49-den-pod-n-z-stavn-smlouvy-na-katastr-katastr-ln-ad-dr-z-konnou-ochrannou-lh-tu-20-dn-b-hem-n-nelze-prov-st-dnou-zm-nu-tuto-lh-tu-nelze-zkr-tit-z-pis-z-stavn-ho-pr-va-trv-nejm-n-21-dn\"><strong>Z\u00e1stavn\u00ed pr\u00e1vo a ochrann\u00e1 lh\u016fta katastru (29.\u201349. den):<\/strong> Pod\u00e1n\u00ed z\u00e1stavn\u00ed smlouvy na katastr. Katastr\u00e1ln\u00ed \u00fa\u0159ad dr\u017e\u00ed z\u00e1konnou ochrannou lh\u016ftu 20 dn\u016f. B\u011bhem n\u00ed nelze prov\u00e9st \u017e\u00e1dnou zm\u011bnu. Tuto lh\u016ftu nelze zkr\u00e1tit. Z\u00e1pis z\u00e1stavn\u00edho pr\u00e1va trv\u00e1 nejm\u00e9n\u011b 21 dn\u00ed.<br><\/li>\n\n\n\n<li id=\"htoc-spln-n-podm-nek-a-erp-n-pen-z-50-den-po-z-pisu-z-stavn-ho-pr-va-dolo-te-bance-spln-n-podm-nek-nap-poji-t-n-nemovitosti-s-vinkulac-banka-n-sledn-ode-le-pen-ze\"><strong>Spln\u011bn\u00ed podm\u00ednek a \u010derp\u00e1n\u00ed pen\u011bz (50. den+):<\/strong> Po z\u00e1pisu z\u00e1stavn\u00edho pr\u00e1va dolo\u017e\u00edte bance spln\u011bn\u00ed podm\u00ednek (nap\u0159. poji\u0161t\u011bn\u00ed nemovitosti s vinkulac\u00ed). Banka n\u00e1sledn\u011b ode\u0161le pen\u00edze.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Cel\u00fd proces od prvn\u00ed sch\u016fzky po odesl\u00e1n\u00ed pen\u011bz trv\u00e1 p\u0159ibli\u017en\u011b <strong>50 dn\u00ed.<\/strong> Pokud v\u00e1m n\u011bkdo slibuje vy\u0159\u00edzen\u00ed za 14 dn\u00ed, mluv\u00ed pouze o schv\u00e1len\u00ed, nikoli o \u010derp\u00e1n\u00ed pen\u011bz.<\/p>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-ast-chyby-a-pitfally-co-nej-ast-ji-prodlu-uje-cestu-k-pen-z-m\" class=\"wp-block-heading\">\u010cast\u00e9 chyby: Co nej\u010dast\u011bji prodlu\u017euje cestu k pen\u011bz\u016fm?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i vy\u0159izov\u00e1n\u00ed hypot\u00e9ky na vlastn\u00ed p\u011bst naraz\u00edte na \u0159adu p\u0159ek\u00e1\u017eek. V\u011bt\u0161ina chyb plyne z podcen\u011bn\u00ed detail\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prvn\u00edm velk\u00fdm rizikem je <strong>kr\u00e1tk\u00e1 rezerva\u010dn\u00ed smlouva<\/strong>. Pokud rezerva\u010dn\u00ed lh\u016fta vypr\u0161\u00ed, hroz\u00ed v\u00e1m <strong>propadnut\u00ed z\u00e1lohy ve v\u00fd\u0161i stovek tis\u00edc korun<\/strong>. V\u017edy trvejte na <strong>lh\u016ft\u011b minim\u00e1ln\u011b 60, ide\u00e1ln\u011b 90 dn\u016f.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Smluvn\u00ed pokuty za nedodr\u017een\u00ed term\u00edn\u016f mohou b\u00fdt likvida\u010dn\u00ed. Nepodepisujte rezervaci krat\u0161\u00ed ne\u017e 60 dn\u016f bez stoprocentn\u011b zaji\u0161t\u011bn\u00e9ho financov\u00e1n\u00ed. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cast\u00fdm probl\u00e9mem jsou tak\u00e9 <strong>chyby v katastru<\/strong>. Odhadce m\u016f\u017ee zjistit, \u017ee k domu nevede leg\u00e1ln\u00ed p\u0159\u00edstupov\u00e1 cesta, nebo na pozemku stoj\u00ed nezapsan\u00e1 \u010dern\u00e1 stavba. <strong>To m\u016f\u017ee proces zbrzdit o n\u011bkolik m\u011bs\u00edc\u016f<\/strong>. P\u0159ed podpisem rezervace si nechte list vlastnictv\u00ed prov\u011b\u0159it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proces brzd\u00ed i drobn\u00e9 finan\u010dn\u00ed proh\u0159e\u0161ky<\/strong>. Zapomenut\u00e1 kreditn\u00ed karta se v registrech zobraz\u00ed jako aktivn\u00ed dluh. Banka pak vy\u017eaduje potvrzen\u00ed o zru\u0161en\u00ed, co\u017e znamen\u00e1 dny administrativy nav\u00edc.<\/p>\n\n\n\n<div style=\"height:38px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-jak-urychlit-hypot-ku-praktick-tipy-kter-v-m-u-et-t-dny-ek-n\" class=\"wp-block-heading\">Praktick\u00e9 tipy, kter\u00e9 v\u00e1m u\u0161et\u0159\u00ed t\u00fddny \u010dek\u00e1n\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkter\u00e9 lh\u016fty neovlivn\u00edte. P\u0159esto m\u016f\u017eete proces vy\u0159\u00edzen\u00ed v\u00fdrazn\u011b zkr\u00e1tit. Kl\u00ed\u010dem je perfektn\u00ed p\u0159ipravenost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Chcete-li z\u00edskat pen\u00edze co nejrychleji, dr\u017ete se t\u011bchto rad:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-vyu-vejte-digit-ln-podklady-zapome-te-na-skenov-n-pap-rov-ch-v-pis-banky-vy-aduj-origin-ln-pdf-soubory-z-internetov-ho-bankovnictv-jsou-elektronicky-podepsan-a-syst-my-je-zpracuj-automaticky\"><strong>Vyu\u017e\u00edvejte digit\u00e1ln\u00ed podklady:<\/strong> Zapome\u0148te na skenov\u00e1n\u00ed pap\u00edrov\u00fdch v\u00fdpis\u016f. Banky vy\u017eaduj\u00ed origin\u00e1ln\u00ed PDF soubory z internetov\u00e9ho bankovnictv\u00ed. Jsou elektronicky podepsan\u00e9 a syst\u00e9my je zpracuj\u00ed automaticky.<br><\/li>\n\n\n\n<li id=\"htoc-vy-e-te-sv-z-vazky-p-edem-alespo-3-m-s-ce-p-ed-dost-dopla-te-a-zru-te-v-echny-kontokorenty-kreditn-karty-a-n-kupn-limity-i-nevyu-van-limit-sni-uje-va-i-bonitu\"><strong>Vy\u0159e\u0161te sv\u00e9 z\u00e1vazky p\u0159edem:<\/strong> Alespo\u0148 3 m\u011bs\u00edce p\u0159ed \u017e\u00e1dost\u00ed dopla\u0165te a zru\u0161te v\u0161echny kontokorenty, kreditn\u00ed karty a n\u00e1kupn\u00ed limity. I nevyu\u017e\u00edvan\u00fd limit sni\u017euje va\u0161i bonitu.<br><\/li>\n\n\n\n<li id=\"htoc-zajist-te-sou-innost-prod-vaj-c-ho-rychlost-odhadu-z-vis-na-tom-jak-rychle-majitel-umo-n-odhadci-p-stup-do-nemovitosti-a-dod-podklady\"><strong>Zajist\u011bte sou\u010dinnost prod\u00e1vaj\u00edc\u00edho:<\/strong> Rychlost odhadu z\u00e1vis\u00ed na tom, jak rychle majitel umo\u017en\u00ed odhadci p\u0159\u00edstup do nemovitosti a dod\u00e1 podklady.<br><\/li>\n\n\n\n<li id=\"htoc-po-dejte-o-online-odhad-u-byt-v-krajsk-ch-m-stech-se-zeptejte-na-mo-nost-desktopov-ho-ocen-n-vyhnete-se-ek-n-na-odhadce-a-u-et-te-a-10-dn\"><strong>Po\u017e\u00e1dejte o <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\">online odhad<\/a>:<\/strong> U byt\u016f v krajsk\u00fdch m\u011bstech se zeptejte na mo\u017enost desktopov\u00e9ho ocen\u011bn\u00ed. Vyhnete se \u010dek\u00e1n\u00ed na odhadce a u\u0161et\u0159\u00edte a\u017e 10 dn\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">Nej\u00fa\u010dinn\u011bj\u0161\u00edm zp\u016fsobem, jak cel\u00fd proces urychlit, je v\u0161ak p\u0159enechat starosti <a href=\"https:\/\/www.fingo.cz\/kontakty\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/kontakty\">odborn\u00edk\u016fm<\/a>. Zku\u0161en\u00fd hypote\u010dn\u00ed specialista v\u00ed, kter\u00e9 banky maj\u00ed voln\u00e9 kapacity a kde se netvo\u0159\u00ed fronty.<\/p>\n\n\n\n<div style=\"height:41px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-p-edschv-len-hypot-ka-e-en-pro-ty-kte-cht-j-m-t-jistotu-p-edem\" class=\"wp-block-heading\">P\u0159edschv\u00e1len\u00e1 hypot\u00e9ka<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavte si, \u017ee jdete na prohl\u00eddku bytu a v\u00edte, \u017ee pen\u00edze m\u00e1te schv\u00e1len\u00e9. Tento komfort nab\u00edz\u00ed p\u0159edschv\u00e1len\u00e1 hypot\u00e9ka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banka nejprve kompletn\u011b prov\u011b\u0159\u00ed va\u0161i bonitu, p\u0159\u00edjmy a registry. Pokud projdete, schv\u00e1l\u00ed v\u00e1m \u00fav\u011brov\u00fd r\u00e1mec a zafixuje \u00farokovou sazbu. <strong>Z\u00edsk\u00e1te 12 a\u017e 36 m\u011bs\u00edc\u016f na nalezen\u00ed nemovitosti.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Jakmile byt najdete, dolo\u017e\u00edte pouze dokumenty k nemovitosti a odhad. Definitivn\u00ed schv\u00e1len\u00ed pak trv\u00e1 jen 7 a\u017e 14 dn\u00ed. <strong>Prod\u00e1vaj\u00edc\u00ed d\u00e1vaj\u00ed p\u0159ednost kupuj\u00edc\u00edm, kte\u0159\u00ed maj\u00ed financov\u00e1n\u00ed p\u0159edem garantovan\u00e9 bankou.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Produkt m\u00e1 sv\u00e1 specifika. Pokud se va\u0161e finan\u010dn\u00ed situace b\u011bhem hled\u00e1n\u00ed zm\u011bn\u00ed, banka m\u016f\u017ee r\u00e1mec p\u0159ehodnotit. P\u0159esto se jedn\u00e1 o skv\u011bl\u00fd n\u00e1stroj, jak eliminovat stres z rezerva\u010dn\u00edch smluv.<\/p>\n\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-fingo-jako-v-pr-vodce-jak-na-i-specialist-zkracuj-proces-na-minimum\" class=\"wp-block-heading\">Jak na\u0161i specialist\u00e9 zkracuj\u00ed proces na minimum<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sjedn\u00e1vat si hypot\u00e9ku na vlastn\u00ed p\u011bst je riskantn\u00ed. Str\u00e1v\u00edte t\u00edm spoustu \u010dasu, ob\u011bh\u00e1te des\u00edtky pobo\u010dek a riskujete drahou chybu. Ve FinGO.cz propojujeme rychlost digit\u00e1ln\u00edch n\u00e1stroj\u016f s osobn\u00ed p\u00e9\u010d\u00ed poradc\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fingo.cz\/kontakty\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/kontakty\">Na\u0161i specialist\u00e9 <\/a>maj\u00ed p\u0159\u00edm\u00e9 API napojen\u00ed na schvalovac\u00ed syst\u00e9my nejv\u011bt\u0161\u00edch \u010desk\u00fdch bank. Podklady ode\u0161leme elektronicky b\u011bhem n\u011bkolika minut. V\u00edme, kter\u00e9 banky maj\u00ed voln\u00e9 kapacity a kde se tvo\u0159\u00ed fronty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i sjedn\u00e1v\u00e1n\u00ed hypot\u00e9ky je \u010das va\u0161\u00edm nejv\u011bt\u0161\u00edm nep\u0159\u00edtelem. Na\u0161\u00edm \u00fakolem je zajistit, aby cel\u00fd proces dokonale ladil s term\u00edny ve va\u0161\u00ed rezerva\u010dn\u00ed smlouv\u011b. <strong>Klient\u016fm \u0161et\u0159\u00edme des\u00edtky hodin b\u011bh\u00e1n\u00ed po \u00fa\u0159adech. V\u011bt\u0161inu administrativy vy\u0159\u00edd\u00edme kompletn\u011b za n\u011b a zcela zdarma.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vyu\u017eijte na\u0161i hypote\u010dn\u00ed kalkula\u010dku. B\u011bhem n\u011bkolika vte\u0159in porovn\u00e1te aktu\u00e1ln\u00ed nab\u00eddky na trhu a z\u00edsk\u00e1te p\u0159ehled o spl\u00e1tk\u00e1ch. Na\u0161i specialist\u00e9 jsou p\u0159ipraveni v\u00e1m bezplatn\u011b a nez\u00e1vazn\u011b pomoci s cel\u00fdm procesem vy\u0159\u00edzen\u00ed. <\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cesta za vlastn\u00edm bydlen\u00edm neza\u010d\u00edn\u00e1 podpisem kupn\u00ed smlouvy. Za\u010d\u00edn\u00e1 mnohem d\u0159\u00edve u d\u016fkladn\u00e9 finan\u010dn\u00ed inventury. Pokud se rozhodnete vy\u0159\u00eddit hypot\u00e9ku sami, \u010dek\u00e1 v\u00e1s nejd\u0159\u00edve podrobn\u00e1 anal\u00fdza vlastn\u00edch mo\u017enost\u00ed. Mus\u00edte zjistit, zda na \u00fav\u011br v\u016fbec dos\u00e1hnete a za jak\u00fdch podm\u00ednek. Kter\u00e9 dokumenty mus\u00edte shrom\u00e1\u017edit a jak dlouho to trv\u00e1? Po v\u00fdb\u011bru banky v\u00e1s \u010dek\u00e1 nejv\u011bt\u0161\u00ed administrativn\u00ed z\u00e1t\u011b\u017e. Mus\u00edte shrom\u00e1\u017edit des\u00edtky dokument\u016f. Bez pomoci poradce tento krok obvykle trv\u00e1 7 a\u017e 14 dn\u00ed. Rychlost z\u00e1vis\u00ed pouze na va\u0161\u00ed aktivit\u011b. Banka vy\u017eaduje potvrzen\u00ed o p\u0159\u00edjmech i dokumenty k nemovitosti. \ud83d\udc47 Mezi z\u00e1kladn\u00ed podklady, kter\u00e9 mus\u00edte sami zajistit, pat\u0159\u00ed: \u26a0\ufe0f \u017d\u00e1d\u00e1te-li v p\u00e1ru, mus\u00edte v\u0161e dolo\u017eit pro oba \u017eadatele. Jak\u00e1koli chyba nebo ne\u010diteln\u00fd sken vr\u00e1t\u00ed proces na za\u010d\u00e1tek. To m\u016f\u017ee sb\u011br podklad\u016f prodlou\u017eit o dal\u0161\u00ed t\u00fdden. Doba vy\u0159\u00edzen\u00ed podle druhu hypot\u00e9ky: Koup\u011b, stavba, nebo refinancov\u00e1n\u00ed? \u00da\u010del \u00fav\u011bru z\u00e1sadn\u011b ovliv\u0148uje rychlost vy\u0159\u00edzen\u00ed. N\u011bkter\u00e9 hypot\u00e9ky schv\u00e1l\u00edte za dva t\u00fddny. Jin\u00e9 se mohou prot\u00e1hnout na m\u011bs\u00edce. \ud83d\udca1 Pod\u00edvejme se na pr\u016fm\u011brn\u00e9 \u010dasov\u00e9 r\u00e1mce pro jednotliv\u00e9 typy \u00fav\u011br\u016f: Odhad nemovitosti a jeho d\u00e9lka Nej\u010dast\u011bj\u0161\u00edm m\u00edstem nepl\u00e1novan\u00e9ho zpo\u017ed\u011bn\u00ed je odhad nemovitosti. Banka v\u00e1m nep\u016fj\u010d\u00ed pen\u00edze jen na z\u00e1klad\u011b kupn\u00ed ceny. Pot\u0159ebuje nez\u00e1visl\u00e9 ov\u011b\u0159en\u00ed hodnoty pro p\u0159\u00edpad, \u017ee byste p\u0159estali spl\u00e1cet. Fyzick\u00fd odhad nemovitosti trv\u00e1 7 a\u017e 14 dn\u00ed. Vyt\u00ed\u017een\u00ed [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":3017,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[200,12,42,25],"class_list":["post-676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-bonita","tag-hypoteka","tag-nakup-nemovitosti","tag-odhad-ceny-nemovitosti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed hypot\u00e9ky? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Zjist\u011bte, jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed hypot\u00e9ky v bank\u00e1ch, na jak\u00fdch parametrech doba vy\u0159\u00edzen\u00ed a schv\u00e1len\u00ed hypot\u00e9ky z\u00e1le\u017e\u00ed a jak ji zkr\u00e1tit.\" \/>\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-dlouho-trva-vyrizeni-hypoteky\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed hypot\u00e9ky? 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