Spousta Nápadů

Dokladování vlastních prostředků: Jak dokázat, že máte peníze na rekonstrukci

When you need to prove you have enough money for a renovation or home purchase, dokladování vlastních prostředků, proces ověření, že máte dostatek vlastních financí k pokrytí nákladů na rekonstrukci nebo nákup nemovitosti. Also known as dokladování finančních zdrojů, it is a mandatory step when applying for a mortgage or claiming state subsidies like Nová zelená úsporám. This isn’t just bureaucracy—it’s your ticket to getting the money you need without delays.

Most people think they just need a bank statement, but that’s not enough. Banks and authorities want to see vlastní prostředky, peníze, které vlastníte a nemusíte půjčit, jako úspory, dědictví nebo prodej staré nemovitosti. If you’re using savings, you need a recent bank statement showing the balance for at least the last three months. If you sold a property, you need the sales contract and proof the money hit your account. If it’s a gift from parents, they need to sign a formal declaration and provide their own proof of funds. No guesswork. No screenshots. Only official documents.

And don’t forget about hypotéka, půjčka na nákup nebo rekonstrukci nemovitosti, která vyžaduje důkaz vlastních prostředků jako podmínku pro schválení. Lenders want to see you’re not borrowing 100%—they expect you to put in at least 10–20% of your own money. If you can’t prove it, your application gets rejected, even if your salary looks good. Same goes for rozpočet na rekonstrukci, plán výdajů na opravy a výstavbu, který musí být podložený skutečnými finančními zdroji. You can’t claim a subsidy for new windows if you can’t show you already paid for the deposit.

People make the same mistakes over and over. They think a letter from their employer saying they’re earning money is enough. It’s not. They use temporary transfers from friends to inflate their balance. Banks catch that. They submit outdated documents—statements from six months ago. Those don’t count. And they forget to translate foreign documents. If your parents sent money from Slovakia, you need a certified translation and proof it’s a gift, not a loan.

What you’ll find in the articles below are real examples from people who’ve been through this. You’ll learn how one family used proceeds from selling their old house to fund a full renovation and still qualify for a state grant. You’ll see how someone proved their savings weren’t borrowed by showing a three-year transaction history. You’ll find out which documents banks actually check—and which ones they ignore. No fluff. No theory. Just what works in Czech offices and banks right now.