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Property approval

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hyponamiru.cz / Glossaries / Property approval

Those who are thinking of buying a property or renovating it extensively must take into account that they will have to deal with unpleasant administration and bureaucracy. If you want to build, you need a building permit (for houses with one underground floor up to a depth of three metres and a maximum height of two storeys plus an attic, you only need a building notification), before you can start using the property, you need an approval or inspection.

What is property approval?

Approval is an official permit that entitles you to use the building. The approval procedure is initiated by a decision of the building authority to initiate the approval procedure, the parties are the builder (or the owner of the building) and the owner of the land on which the building is constructed.

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Approval of apartment and house

Since January 2018, however, many buildings no longer have to be approved, including family houses (buildings for housing) where more than half of the floor area meets the requirements for permanent family housing and is intended for that purpose. Approval is also not required for gazebos, garages, swimming pools and water tanks.

On the contrary, an application for approval is required for houses whose characteristics cannot be influenced by the future owners, e.g. development projects and rental houses.

In the case of houses with a building notice, it is sufficient to submit an “intention to use the building” at least one month in advance and to provide the necessary documents. If the building authority does not prohibit the use of the building within this period, you can move in.

What about the use of the building without approval?

If you move into a house or apartment that is not exempted from approval by law before the 30-day period from the notification of the use of the building or before the approval decision comes into force, you run the risk of a heavy fine.

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Frequently asked questions

How long does it take to arrange a mortgage?

A mortgage can be arranged within a month or three. The whole process usually takes around two months. The reason behind it is mostly the approval process on the side of the banks. However, there’re plenty of possibilities to speed up the mortgage application and we know them. Check it out for yourself.

With which Czech banks do you have the best experience?

The most client-oriented bank is certainly Hypoteční banka with their speed of request processing, the service quality, the range of checking accounts they offer, and the interface called “Mortgage Zone”. Other such banks include Komerční banka, Moneta and Raiffeisenbank.

Do you deal with new mortgages as well as refinancing?

Yes, we deal with both new mortgages as well as refinancing of the existing home mortgage loans. Our specialists will find a solution for you in either case – a solution you can afford.

Can a mortgage be really arranged online?

Yes, it can. Thanks to the latest technology we’re using, you really don’t need to go to the bank to arrange a mortgage. Check it out for yourself.

We facilitate consumer credit as a tied agent registered by CNB under company ID number 05736501. We are also registered as an independent consumer credit broker of commercial company Broker Trust, a.s., company ID number: 26439719.

@ 2023 The company Hypo na míru s.r.o. is registered at the Municipal Court in Prague, file number C 269834, company ID number: 05736501.