Hypotéka a záloha: co musíte vědět před podepsáním
When you're buying a home, hypotéka, půjčka na pořízení nemovitosti, kterou splácíte měsíčně na dlouhou dobu. Also known as stavební úvěr, it is the most common way Czech families finance their homes. But a záloha, částka, kterou zaplatíte před dokončením kupní smlouvy, aby se zaručilo, že se transakce uskuteční isn't just a deposit—it's your first real step into homeownership. Many people think the bank gives you all the money upfront, but in reality, you need to have your own savings ready, and the záloha is often the first big chunk you pay out of pocket.
The size of the záloha usually ranges from 10% to 20% of the property's value, depending on the bank and your financial situation. If you're buying a new build, the developer might ask for smaller installments along the way, but for a used apartment, you’ll typically pay the full záloha before the notary signs the deed. Banks don’t just look at your salary—they check your credit history, how much debt you already have, and whether you’ve saved consistently over time. That’s why some people get approved for a hypotéka even with a lower income, if they’ve shown discipline by saving for years.
Don’t forget about pojištění nemovitosti, povinné pojištění, které chrání banku před ztrátou peněz, pokud byste nemohli splácet hypotéku. Most lenders require it, and it’s not just red tape—it protects you too. If a fire or flood damages your home, insurance helps you rebuild without losing your investment. And while you’re at it, think about financování stavby domu, kompletní plán, jak získat peníze na stavbu, včetně hypotéky, dotací a stavebního spoření. Many families mix multiple sources: a state subsidy for energy efficiency, personal savings, and a hypotéka. It’s not magic—it’s planning.
You’ll find posts here that explain exactly how to calculate your záloha based on your income, what documents banks ask for, how to negotiate with sellers, and why skipping a home inspection before paying the deposit can cost you thousands. We’ve gathered real-life stories from people who bought homes in Brno, Ostrava, and smaller towns—what went right, what went wrong, and what they’d do differently. Whether you’re looking at a renovated apartment or planning to build from scratch, the information below will help you avoid the traps most first-time buyers fall into.
Tomáš Ulrich, říj, 27 2025
Záloha při koupi nemovitosti může být vaší ochranou nebo vaší ztrátou. Zjistěte, jak ji chránit, co musí obsahovat rezervační smlouva, proč notářská úschova je klíčová a jak se vyhnout nejčastějším chybám, které stojí tisíce korun.
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