{"id":676,"date":"2022-06-22T14:19:19","date_gmt":"2022-06-22T14:19:19","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=676"},"modified":"2023-06-23T14:42:10","modified_gmt":"2023-06-23T13:42:10","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"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Jakmile najdete svoji vysn\u011bnou nemovitost, za\u010dne z\u00e1vod o \u010das. Nab\u00eddka dom\u016f a byt\u016f v \u010cesku st\u00e1le zaost\u00e1v\u00e1 za popt\u00e1vkou a prod\u00e1vaj\u00edc\u00ed \u010dasto up\u0159ednostn\u00ed uchaze\u010de, kte\u0159\u00ed m\u016f\u017eou <strong>zaplatit rychle<\/strong>. Tak\u00e9 rezerva\u010dn\u00ed smlouvy obvykle nenech\u00e1vaj\u00ed z\u00e1jemci p\u0159im\u011b\u0159enou \u010dasovou rezervu pro slo\u017eit\u011bj\u0161\u00ed vyjedn\u00e1v\u00e1n\u00ed o financ\u00edch. Jak rychle si tedy zvl\u00e1dnete hypot\u00e9ku vy\u0159\u00eddit?<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc is-style-rounded htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co v \u010dl\u00e1nku najdete<\/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-doba-vy-zen-hypot-ky-se-li-o-t-dny-i-roky\">Doba vy\u0159\u00edzen\u00ed hypot\u00e9ky<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-doba-vy-zen-v-ru-podle-druhu-hypot-ky\">Podle druhu \u00fav\u011bru<\/a><\/li><li class=\"\"><a href=\"#htoc-doba-pot-ebn-pro-vy-zen-podklad-pro-hypot-ku\">Vy\u0159\u00edzen\u00ed podklad\u016f<\/a><\/li><li class=\"\"><a href=\"#htoc-doba-schv-len-hypot-ky-podle-v-ruj-c-banky\">Podle zvolen\u00e9 banky<\/a><\/li><li class=\"\"><a href=\"#htoc-doba-pot-ebn-pro-zpracov-n-odhadu-nemovitosti\">Zpracov\u00e1n\u00ed odhadu nemovitosti<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-jak-vy-zen-a-schv-len-hypot-ky-urychlit\">Jak vy\u0159\u00edzen\u00ed a schv\u00e1len\u00ed hypot\u00e9ky urychlit<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-doba-vy-zen-hypot-ky-se-li-o-t-dny-i-roky\">Doba vy\u0159\u00edzen\u00ed hypot\u00e9ky se li\u0161\u00ed o t\u00fddny i roky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rychlost, se kterou se v\u00e1m poda\u0159\u00ed hypot\u00e9ku zafinancovat, se bude z\u00e1sadn\u011b li\u0161it podle hned n\u011bkolika parametr\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>typu hypot\u00e9ky<\/strong><\/li>\n\n\n\n<li>va\u0161\u00ed schopnosti zajistit <strong>pot\u0159ebn\u00e9 podklady<\/strong><\/li>\n\n\n\n<li><strong>banky<\/strong>, kter\u00e1 hypot\u00e9ku poskytuje<\/li>\n\n\n\n<li><strong>odhadce<\/strong>, kter\u00fd vytv\u00e1\u0159\u00ed odhad tr\u017en\u00ed ceny nemovitosti<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-doba-vy-zen-v-ru-podle-druhu-hypot-ky\">Doba vy\u0159\u00edzen\u00ed \u00fav\u011bru podle druhu hypot\u00e9ky<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hypot\u00e9ka nen\u00ed jenom jedna a o tom, jak se m\u016f\u017ee m\u011bnit, se dozv\u00edte v\u00edce v na\u0161em \u010dl\u00e1nku <a href=\"https:\/\/www.fingo.cz\/blog\/druhy-hypotek\/\" target=\"_blank\" rel=\"noreferrer noopener\">27 druh\u016f hypot\u00e9k a 12 situac\u00ed, kter\u00e9 s nimi zam\u00e1vaj\u00ed<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010casov\u011b nejn\u00e1ro\u010dn\u011bj\u0161\u00ed bude v pr\u016fm\u011bru vy\u0159\u00edzen\u00ed a schv\u00e1len\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-na-stavbu\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>hypot\u00e9ky na stavbu domu<\/strong><\/a>, kter\u00e9 se i p\u0159i bezprobl\u00e9mov\u00e9m jedn\u00e1n\u00ed m\u016f\u017ee t\u00e1hnout <strong>5\u20136 t\u00fddn\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oproti tomu <strong>hypot\u00e9ku na n\u00e1kup nemovitosti<\/strong> dok\u00e1\u017eete vyb\u011bhat <strong>do jednoho m\u011bs\u00edce<\/strong>, zvl\u00e1\u0161\u0165 pak s podporou <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">hypote\u010dn\u00edho specialisty<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ibli\u017en\u011b stejn\u011b dlouhou dobu zabere i vy\u0159\u00edzen\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-na-rekonstrukci\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>hypot\u00e9ky na rekonstrukci<\/strong><\/a>, pr\u016fm\u011brn\u011b ji vy\u0159\u00edd\u00edte za <strong>4\u20135 t\u00fddn\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/refinancovani\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Hypot\u00e9ku na refinancov\u00e1n\u00ed \u00fav\u011bru<\/strong><\/a> m\u016f\u017eete stihnout u\u017e za <strong>dva t\u00fddny<\/strong>, ale n\u011bkdy bude v\u00fdhodn\u011bj\u0161\u00ed vydat se slo\u017eit\u011bj\u0161\u00ed a \u010dasov\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed cestou a dolo\u017eit nap\u0159\u00edklad nov\u00fd odhad nemovitosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ibli\u017en\u011b<strong> dva t\u00fddny<\/strong> zabere i vy\u0159\u00edzen\u00ed <strong>hypot\u00e9ky na vyrovn\u00e1n\u00ed pod\u00edlu<\/strong> nap\u0159\u00edklad p\u0159i rozvodu, pokud \u017e\u00e1dost nebude zam\u00edtnuta z d\u016fvodu n\u00edzk\u00e9 bonity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-po-insolvenci\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>hypot\u00e9ku po insolvenci<\/strong><\/a><strong> <\/strong>si m\u016f\u017eete po\u010dkat i <strong>n\u011bkolik let<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud chcete vy\u0159\u00edzen\u00ed hypot\u00e9ky maxim\u00e1ln\u011b urychlit, vydejte se cestou tzv. <a href=\"https:\/\/www.fingo.cz\/blog\/predschvalena-hypoteka\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>p\u0159edschv\u00e1len\u00e9 hypot\u00e9ky<\/strong><\/a>. V r\u00e1mci t\u00e9 u\u017e m\u00e1te schv\u00e1len\u00fd \u00fav\u011brov\u00fd r\u00e1mec hypot\u00e9ky, zkontrolovanou <a href=\"https:\/\/www.fingo.cz\/blog\/bonita\/\" target=\"_blank\" rel=\"noreferrer noopener\">bonitu<\/a> a dolo\u017e\u00edte pouze dokumenty k nemovitosti a <a href=\"https:\/\/www.fingo.cz\/blog\/odhad-ceny-nemovitosti\/\" target=\"_blank\" rel=\"noreferrer noopener\">odhad tr\u017en\u00ed ceny<\/a>. Hypot\u00e9ku dok\u00e1\u017eete vy\u0159\u00eddit za <strong>t\u00fdden a\u017e dva<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ne\u017e se rozhodnete, kde o hypot\u00e9ku po\u017e\u00e1d\u00e1te, vyzkou\u0161ejte na\u0161i hypote\u010dn\u00ed kalkula\u010dku:<\/strong><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version5\" frameborder=\"0\" allowfullscreen=\"\" width=\"90%\" height=\"728\" scrolling=\"1\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" name=\"banner2\" id=\"banner2\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-doba-pot-ebn-pro-vy-zen-podklad-pro-hypot-ku\">Doba pot\u0159ebn\u00e1 pro vy\u0159\u00edzen\u00ed podklad\u016f pro hypot\u00e9ku<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Celkov\u00e1 doba pot\u0159ebn\u00e1 pro vy\u0159\u00edzen\u00ed hypot\u00e9ky bude hodn\u011b z\u00e1le\u017eet i na v\u00e1s a na tom, jak rychle dok\u00e1\u017eete sehnat dokumenty pot\u0159ebn\u00e9 pro pod\u00e1n\u00ed \u017e\u00e1dosti. Ty se li\u0161\u00ed v z\u00e1vislosti na <a href=\"https:\/\/www.fingo.cz\/blog\/druhy-hypotek\/\" target=\"_blank\" rel=\"noreferrer noopener\">typu hypot\u00e9ky<\/a> i na dal\u0161\u00edch okolnostech, obvykle se jedn\u00e1 p\u0159edev\u0161\u00edm o:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>potvrzen\u00ed o p\u0159\u00edjmech<\/strong> (od zam\u011bstnavatele, p\u0159\u00edpadn\u011b DAP pro OSV\u010c)<\/li>\n\n\n\n<li>on-line <strong>v\u00fdpisy z b\u011b\u017en\u00e9ho \u00fa\u010dtu<\/strong><\/li>\n\n\n\n<li>dal\u0161\u00ed dokumenty podle \u00fa\u010delu hypot\u00e9ky, obvykle <strong>n\u00e1vrh kupn\u00ed smlouvy<\/strong> (p\u0159i refinancov\u00e1n\u00ed <strong>vy\u010d\u00edslen\u00ed z\u016fstatku dluhu<\/strong>)<\/li>\n\n\n\n<li><strong>nab\u00fdvac\u00ed titul a list vlastnictv\u00ed<\/strong> (pro odhad ceny nemovitosti)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bli\u017e\u0161\u00ed informace se m\u016f\u017eete dozv\u011bd\u011bt v \u010dl\u00e1nku o <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-postup\/\" target=\"_blank\" rel=\"noreferrer noopener\">podm\u00ednk\u00e1ch hypot\u00e9ky v roce 2022<\/a> nebo p\u0159\u00edmo v \u010dl\u00e1nc\u00edch o <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-pro-osvc-zamirte-do-spravne-banky\/\" target=\"_blank\" rel=\"noreferrer noopener\">hypot\u00e9ce pro OSV\u010c<\/a>, <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-na-stavbu\/\" target=\"_blank\" rel=\"noreferrer noopener\">hypot\u00e9ce na stavbu domu<\/a> a <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-na-rekonstrukci\/\" target=\"_blank\" rel=\"noreferrer noopener\">hypot\u00e9ce na rekonstrukci<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TIP:<\/strong> Pokud se rozhodnete \u0159e\u0161it svoji hypot\u00e9ku s <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">hypote\u010dn\u00edm specialistou<\/a>, poskytne v\u00e1m seznam pot\u0159ebn\u00fdch dokument\u016f hned na \u00favodn\u00ed sch\u016fzce, a d\u00edky tomu u\u0161et\u0159\u00edte \u010das a mo\u017en\u00e1 se i vyhnete n\u011bkter\u00e9mu z <a href=\"https:\/\/www.fingo.cz\/blog\/pruzkum-preslapy-lidi-kteri-si-hypoteku-resi-sami\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u0159e\u0161lap\u016f lid\u00ed, kte\u0159\u00ed si hypot\u00e9ku \u0159e\u0161\u00ed sami<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-doba-schv-len-hypot-ky-podle-v-ruj-c-banky\">Doba schv\u00e1len\u00ed hypot\u00e9ky podle \u00fav\u011bruj\u00edc\u00ed banky<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Schvalovac\u00ed proces v bance je jednou ze z\u00e1sadn\u00edch polo\u017eek ovliv\u0148uj\u00edc\u00ed celkovou dobu pot\u0159ebnou pro vy\u0159\u00edzen\u00ed hypot\u00e9ky. M\u016f\u017ee se li\u0161it v z\u00e1vislosti na <strong>ro\u010dn\u00edm obdob\u00ed<\/strong> (v l\u00e9t\u011b se prodlu\u017euje kv\u016fli dovolen\u00fdm zam\u011bstnanc\u016f), na <strong>cen\u011b hypot\u00e9ky<\/strong> (v dob\u00e1ch levn\u00fdch \u00farokov\u00fdch sazeb se prodlou\u017eila doba schvalov\u00e1n\u00ed kv\u016fli vysok\u00e9 popt\u00e1vce po hypote\u010dn\u00edch \u00fav\u011brech) a samoz\u0159ejm\u011b na tom, kterou <strong>banku <\/strong>se rozhodnete vyu\u017e\u00edt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nejrychleji <\/strong>obvykle projdete schvalovac\u00edm procesem u<strong> <\/strong><a href=\"https:\/\/www.fingo.cz\/hypoteky\/hypotecni-banka\/hypoteka-od-hb\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Hypote\u010dn\u00ed banky<\/strong><\/a><strong> <\/strong>(poradci FinGo mohou zad\u00e1vat \u017e\u00e1dosti do HB p\u0159es API propojen\u00ed, schv\u00e1len\u00ed \u017e\u00e1dosti tak m\u016f\u017ee b\u00fdt opravdu obratem)<strong>, <\/strong>u <a href=\"https:\/\/www.fingo.cz\/hypoteky\/moneta-money-bank\/all-inclusive-hypoteka\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>MONETA MB<\/strong><\/a><strong>, <\/strong><a href=\"https:\/\/www.fingo.cz\/hypoteky\/raiffeisenbank\/hypoteka-od-rb\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Raiffeisenbank<\/strong><\/a><strong> <\/strong>a <a href=\"https:\/\/www.fingo.cz\/hypoteky\/ceska-sporitelna\/hypoteka-od-cs\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u010cesk\u00e9 spo\u0159itelny<\/strong><\/a>, kde jsou nastaveny <strong>automatick\u00e9 procesy schvalov\u00e1n\u00ed<\/strong> (ihned se prov\u00e1d\u00ed prescoring klienta, tak\u017ee poradce okam\u017eit\u011b dost\u00e1v\u00e1 zp\u011btnou informaci, zda je mo\u017en\u00e9 \u017e\u00e1dost p\u0159edat k dal\u0161\u00edmu schv\u00e1len\u00ed na centr\u00e1le banky). <strong>Del\u0161\u00ed dobu <\/strong>m\u016f\u017eete \u010dekat nap\u0159\u00edklad u <a href=\"https:\/\/www.fingo.cz\/hypoteky\/oberbank\/hypoteka-od-ob\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Oberbank<\/strong><\/a>, kde se nastavuj\u00ed pro ka\u017ed\u00e9ho klienta parametry \u201ena m\u00edru\u201d. Proces zpracov\u00e1n\u00ed se m\u016f\u017ee prot\u00e1hnout i u <a href=\"https:\/\/www.fingo.cz\/hypoteky\/mbank\/hypoteka-od-mbank\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>mBank<\/strong><\/a> nebo <a href=\"https:\/\/www.fingo.cz\/hypoteky\/unicredit-bank\/hypoteka-od-ucb\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>UniCredit Bank<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Samoz\u0159ejm\u011b i tady z\u00e1le\u017e\u00ed na rychlosti klienta, jak rychle p\u0159\u00edpadn\u011b dolo\u017e\u00ed po\u017eadovan\u00e9 <strong>dopl\u0148uj\u00edc\u00ed podklady<\/strong>.&nbsp; Bank\u00e9\u0159 schvaluje hypot\u00e9ku, jakmile to jen trochu jde, a m\u00e1 k tomu dostatek dokument\u016f. M\u00e1 pr\u00e1vo si vy\u017e\u00e1dat dolo\u017een\u00ed n\u011bkter\u00fdch (m\u00e9n\u011b d\u016fle\u017eit\u00fdch) podklad\u016f, kter\u00fdmi m\u016f\u017ee ve \u201especifick\u00fdch podm\u00ednk\u00e1ch smlouvy\u201d podm\u00ednit nap\u0159\u00edklad \u010derp\u00e1n\u00ed hypot\u00e9ky. Klient v takov\u00e9m p\u0159\u00edpad\u011b nem\u016f\u017ee vy\u010derpat ani \u010d\u00e1st hypot\u00e9ky, dokud po\u017eadavky nespln\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-doba-pot-ebn-pro-zpracov-n-odhadu-nemovitosti\">Doba pot\u0159ebn\u00e1 pro zpracov\u00e1n\u00ed odhadu nemovitosti<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Odhad nemovitosti je <strong>povinnou p\u0159\u00edlohou<\/strong> \u017e\u00e1dosti o hypot\u00e9ku, p\u0159\u00edpadn\u011b jej <strong>m\u016f\u017ee zpracovat i banka<\/strong> sama. O v\u00fdhod\u00e1ch a nev\u00fdhod\u00e1ch jednotliv\u00fdch \u0159e\u0161en\u00ed se m\u016f\u017eete do\u010d\u00edst v\u00edce v na\u0161em \u010dl\u00e1nku <a href=\"https:\/\/www.fingo.cz\/blog\/odhad-ceny-nemovitosti\/\" target=\"_blank\" rel=\"noreferrer noopener\">Odhad ceny nemovitosti a jak s n\u00edm u\u0161et\u0159it na hypot\u00e9ce<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud se rozhodnete zadat vypracov\u00e1n\u00ed odhadu vlastn\u00ed cestou, st\u00e1le byste se m\u011bli dr\u017eet <strong>seznamu odhadc\u016f<\/strong>, kter\u00fd v\u00e1m p\u0159ed\u00e1 banka. Proto\u017ee vyt\u00ed\u017eenost a rychlost jednotliv\u00fdch odhadc\u016f se m\u016f\u017ee z\u00e1sadn\u011b li\u0161it, doporu\u010dujeme obr\u00e1tit se na <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">hypote\u010dn\u00edho poradce z va\u0161eho okol\u00ed<\/a>, kter\u00fd m\u00e1 o odhadc\u00edch p\u0159ehled a pom\u016f\u017ee v\u00e1m naj\u00edt toho prav\u00e9ho.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zpracov\u00e1n\u00ed tr\u017en\u00edho odhadu ceny nemovitosti m\u016f\u017ee trvat <strong>n\u011bkolik m\u00e1lo dn\u00ed i p\u00e1r t\u00fddn\u016f<\/strong>. Odhady na stavbu domu obvykle trvaj\u00ed d\u00e9le a maj\u00ed hlavn\u00ed pod\u00edl na del\u0161\u00edch lh\u016ft\u00e1ch pro vy\u0159\u00edzen\u00ed takov\u00fdch hypot\u00e9k.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-vy-zen-a-schv-len-hypot-ky-urychlit\">Jak vy\u0159\u00edzen\u00ed a schv\u00e1len\u00ed hypot\u00e9ky urychlit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud na vy\u0159\u00edzen\u00ed hypot\u00e9ky sp\u011bch\u00e1te, m\u011bli byste se v ka\u017ed\u00e9m p\u0159\u00edpad\u011b obr\u00e1tit na <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">hypote\u010dn\u00edho poradce<\/a>, kter\u00fd v\u00e1s cel\u00fdm procesem provede. Jeho slu\u017eba je pro v\u00e1s <strong>zdarma<\/strong>, z\u00e1sadn\u011b v\u00e1m ale pom\u016f\u017ee s <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>porovn\u00e1n\u00edm nab\u00eddek bank<\/strong><\/a>, s administrativou kolem pod\u00e1n\u00ed \u017e\u00e1dosti i s optimalizac\u00ed n\u011bkter\u00fdch krit\u00e9ri\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdb\u011br banky, zpracov\u00e1n\u00ed odhadu nemovitosti on-line \u00fav\u011bruj\u00edc\u00ed instituc\u00ed, rychl\u00e9 shrom\u00e1\u017ed\u011bn\u00ed pot\u0159ebn\u00fdch podklad\u016f, to v\u0161echno p\u0159isp\u00edv\u00e1 k rychl\u00e9mu vy\u0159\u00edzen\u00ed hypot\u00e9ky. Nem\u011bli byste ov\u0161em zapomenout, \u017ee <strong>rychlost je jen jedn\u00edm z parametr\u016f<\/strong> a \u017ee v p\u0159\u00edpad\u011b velk\u00e9ho sp\u011bchu od v\u00e1s bude vy\u017eadovat ur\u010dit\u00e9 <strong>kompromisy<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>banka, kter\u00e1 nejrychleji schv\u00e1l\u00ed hypot\u00e9ku, nemus\u00ed b\u00fdt pro v\u00e1s nejvhodn\u011bj\u0161\u00ed z hlediska <strong>\u00farokov\u00fdch sazeb<\/strong> a dal\u0161\u00edch podm\u00ednek<\/li>\n\n\n\n<li>on-line odhad nemovitosti pravd\u011bpodobn\u011b vyjde <strong>n\u00ed\u017ee<\/strong>, ne\u017e odhad zpracovan\u00fd extern\u00edm odhadcem<\/li>\n\n\n\n<li>p\u0159i odevzd\u00e1v\u00e1n\u00ed v\u00fdpis\u016f z \u00fa\u010dtu m\u016f\u017ee b\u00fdt <strong>lep\u0161\u00ed po\u010dkat na obdob\u00ed<\/strong>, kter\u00e9 v\u00e1m vych\u00e1z\u00ed l\u00e9pe<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vyplat\u00ed se tedy na hypot\u00e9ku p\u0159ipravit a pracovat s poradcem dlouhodob\u011b na vylep\u0161en\u00ed va\u0161ich parametr\u016f. Pro inspiraci se m\u016f\u017eete kouknout t\u0159eba na n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.fingo.cz\/blog\/zlepsete-parametry-hypoteka\/\" target=\"_blank\" rel=\"noreferrer noopener\">Nevych\u00e1z\u00ed v\u00e1m hypot\u00e9ka? Zlep\u0161ete si DTI, DSTI a LTV<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jakmile najdete svoji vysn\u011bnou nemovitost, za\u010dne z\u00e1vod o \u010das. Nab\u00eddka dom\u016f a byt\u016f v \u010cesku st\u00e1le zaost\u00e1v\u00e1 za popt\u00e1vkou a prod\u00e1vaj\u00edc\u00ed \u010dasto up\u0159ednostn\u00ed uchaze\u010de, kte\u0159\u00ed m\u016f\u017eou zaplatit rychle. Tak\u00e9 rezerva\u010dn\u00ed smlouvy obvykle nenech\u00e1vaj\u00ed z\u00e1jemci p\u0159im\u011b\u0159enou \u010dasovou rezervu pro slo\u017eit\u011bj\u0161\u00ed vyjedn\u00e1v\u00e1n\u00ed o financ\u00edch. Jak rychle si tedy zvl\u00e1dnete hypot\u00e9ku vy\u0159\u00eddit? Doba vy\u0159\u00edzen\u00ed hypot\u00e9ky se li\u0161\u00ed o t\u00fddny i roky Rychlost, se kterou se v\u00e1m poda\u0159\u00ed hypot\u00e9ku zafinancovat, se bude z\u00e1sadn\u011b li\u0161it podle hned n\u011bkolika parametr\u016f: Doba vy\u0159\u00edzen\u00ed \u00fav\u011bru podle druhu hypot\u00e9ky Hypot\u00e9ka nen\u00ed jenom jedna a o tom, jak se m\u016f\u017ee m\u011bnit, se dozv\u00edte v\u00edce v na\u0161em \u010dl\u00e1nku 27 druh\u016f hypot\u00e9k a 12 situac\u00ed, kter\u00e9 s nimi zam\u00e1vaj\u00ed. \u010casov\u011b nejn\u00e1ro\u010dn\u011bj\u0161\u00ed bude v pr\u016fm\u011bru vy\u0159\u00edzen\u00ed a schv\u00e1len\u00ed hypot\u00e9ky na stavbu domu, kter\u00e9 se i p\u0159i bezprobl\u00e9mov\u00e9m jedn\u00e1n\u00ed m\u016f\u017ee t\u00e1hnout 5\u20136 t\u00fddn\u016f. Oproti tomu hypot\u00e9ku na n\u00e1kup nemovitosti dok\u00e1\u017eete vyb\u011bhat do jednoho m\u011bs\u00edce, zvl\u00e1\u0161\u0165 pak s podporou hypote\u010dn\u00edho specialisty. P\u0159ibli\u017en\u011b stejn\u011b dlouhou dobu zabere i vy\u0159\u00edzen\u00ed hypot\u00e9ky na rekonstrukci, pr\u016fm\u011brn\u011b ji vy\u0159\u00edd\u00edte za 4\u20135 t\u00fddn\u016f. Hypot\u00e9ku na refinancov\u00e1n\u00ed \u00fav\u011bru m\u016f\u017eete stihnout u\u017e za dva t\u00fddny, ale n\u011bkdy bude v\u00fdhodn\u011bj\u0161\u00ed vydat se slo\u017eit\u011bj\u0161\u00ed a \u010dasov\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed cestou a dolo\u017eit nap\u0159\u00edklad nov\u00fd odhad nemovitosti. P\u0159ibli\u017en\u011b dva t\u00fddny zabere i vy\u0159\u00edzen\u00ed hypot\u00e9ky na vyrovn\u00e1n\u00ed pod\u00edlu nap\u0159\u00edklad [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":677,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - 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\" \/>\n<meta property=\"og: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 property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/jak-dlouho-trva-vyrizeni-hypoteky\/\" \/>\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=\"2022-06-22T14:19:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-23T13:42:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/06\/Doba-vyrizeni-hypoteky.png\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\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=\"6 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-dlouho-trva-vyrizeni-hypoteky\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-dlouho-trva-vyrizeni-hypoteky\\\/\"},\"author\":{\"name\":\"Jana Vaisov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/efd0cb45244498b47386dbd21c9b0a3c\"},\"headline\":\"Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed hypot\u00e9ky\",\"datePublished\":\"2022-06-22T14:19:19+00:00\",\"dateModified\":\"2023-06-23T13:42:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-dlouho-trva-vyrizeni-hypoteky\\\/\"},\"wordCount\":1414,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-dlouho-trva-vyrizeni-hypoteky\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Doba-vyrizeni-hypoteky.png\",\"articleSection\":[\"Hypot\u00e9ky\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-dlouho-trva-vyrizeni-hypoteky\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-dlouho-trva-vyrizeni-hypoteky\\\/\",\"name\":\"Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed hypot\u00e9ky - 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