[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stomi.cz\/hypotecni-uvery-s-pojistenim-schopnosti-splacet\/#Article","mainEntityOfPage":"https:\/\/www.stomi.cz\/hypotecni-uvery-s-pojistenim-schopnosti-splacet\/","headline":"Hypote\u010dn\u00ed \u00fav\u011bry s poji\u0161t\u011bn\u00edm schopnosti spl\u00e1cet","name":"Hypote\u010dn\u00ed \u00fav\u011bry s poji\u0161t\u011bn\u00edm schopnosti spl\u00e1cet","description":"Uva\u017eujete o hypot\u00e9ce s jistinou na bydlen\u00ed a chcete bydlet rad\u011bji ve vlastn\u00edm dom\u011b nebo byt\u011b? To v\u00e1m schvaluji, proto\u017ee","datePublished":"2026-08-09","dateModified":"2026-08-09","author":{"@type":"Person","@id":"https:\/\/www.stomi.cz\/author\/#Person","name":"","url":"https:\/\/www.stomi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stomi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stomi.cz\/wp-content\/uploads\/pexels-jakubzerdzicki-31424880_3.jpg","url":"https:\/\/www.stomi.cz\/wp-content\/uploads\/pexels-jakubzerdzicki-31424880_3.jpg","height":0,"width":0},"url":"https:\/\/www.stomi.cz\/hypotecni-uvery-s-pojistenim-schopnosti-splacet\/","about":["V\u00fdrobky"],"wordCount":441,"articleBody":"      Uva\u017eujete o hypot\u00e9ce s jistinou na bydlen\u00ed a chcete bydlet rad\u011bji ve vlastn\u00edm dom\u011b nebo byt\u011b? To v\u00e1m schvaluji, proto\u017ee m\u00e1m vyzkou\u0161en\u00e9 bydlen\u00ed ve vlastn\u00ed nemovitosti i v pronajat\u00e9m byt\u011b a mohu snadno porovnat rozd\u00edly mezi ob\u011bma typy bydlen\u00ed. Vlastn\u00ed byt \u010di d\u016fm je v mnoha sm\u011brech v\u00fdhodn\u011bj\u0161\u00ed ne\u017e pron\u00e1jem a j\u00e1 bych u\u017e v n\u00e1jmu bydlet necht\u011bl ani za nic. Dokonce ani tehdy, kdyby ten n\u00e1jem platil n\u011bkdo za m\u011b.Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je d\u016fle\u017eit\u00e9. P\u0159edstavte si, \u017ee onemocn\u00edte v\u00e1\u017en\u011bj\u0161\u00ed chorobou \u010di dojde k t\u011b\u017ek\u00e9mu \u00farazu a vy se r\u00e1zem ocitnete na l\u016f\u017eku t\u0159eba na cel\u00fd rok. Jestli\u017ee m\u00e1te zaji\u0161t\u011bn\u00e9 poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet \u00fav\u011br, poji\u0161\u0165ovna jej bude hradit za v\u00e1s a vy m\u016f\u017eete bez obav zvl\u00e1dat pr\u016fb\u011bh nemoci a d\u00e1vat se do po\u0159\u00e1dku.Kdy\u017e onemocn\u00edte v n\u00e1jemn\u00edm vztahu. Bydlel jsem jist\u00fd \u010das v pronajat\u00e9m byt\u011b a onemocn\u011bl jsem tu v\u00e1\u017enou chorobou, tak\u017ee jsem p\u0159i\u0161el o \u010d\u00e1st sv\u00fdch p\u0159\u00edjm\u016f. Dalo se z nich na\u0161t\u011bst\u00ed n\u00e1jem hradit, ale ten \u0161ok p\u0159i\u0161el ve chv\u00edli, kdy se pronaj\u00edmatel rozhodl byt prodat. Zrovna v dob\u011b, kdy jsem pot\u0159eboval klid na l\u016f\u017eku. Dok\u00e1\u017eete si p\u0159edstavit tu situaci, kdy nam\u00edsto klidu mus\u00edte balit v\u011bci a za\u0159izovat st\u011bhov\u00e1n\u00ed? A je\u0161t\u011b p\u0159ed t\u00edm pracn\u011b sh\u00e1n\u011bt jin\u00e9 bydlen\u00ed? Za\u017eil jsem v \u017eivot\u011b leccos jako outdoorov\u00fd dobrodruh, horolezec, extr\u00e9mn\u00ed cyklista a milovn\u00edk divok\u00e9 vody s mnoha nebezpe\u010d\u00edmi, ale to nebylo nic proti st\u011bhov\u00e1n\u00ed v t\u011b\u017ek\u00e9 nemoci z bytu do bytu.M\u016f\u017ee se to zd\u00e1t jako v\u00fdjime\u010dn\u00e1 ud\u00e1lost, co nepostihne ka\u017ed\u00e9ho, ale co kdy\u017e se n\u011bco takov\u00e9ho stane zrovna v\u00e1m? Myslete na zadn\u00ed kole\u010dka a sna\u017ete se zajistit bydlen\u00ed tak, abyste se do podobn\u00fdch \u0161ok\u016f nedostali. Mo\u017en\u00e1 v\u00e1s tak\u00e9 inspiruje va\u0161e okol\u00ed, proto\u017ee v \u010cesk\u00e9 republice bydl\u00ed v n\u00e1jmu pouze dvacet procent obyvatel, ostatn\u00ed si zajistili vlastn\u00ed st\u0159echu nad hlavou a z\u0159ejm\u011b dob\u0159e v\u00ed, pro\u010d. Ve \u0160v\u00fdcarsku sice bydl\u00ed v n\u00e1jmu 68 procent lid\u00ed, ale my se nem\u016f\u017eeme srovn\u00e1vat ani se \u0160v\u00fdcarskem a ani s N\u011bmeckem, kde je n\u00e1jemn\u00ed bydlen\u00ed tak\u00e9 velmi popul\u00e1rn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypote\u010dn\u00ed \u00fav\u011bry s poji\u0161t\u011bn\u00edm schopnosti spl\u00e1cet","item":"https:\/\/www.stomi.cz\/hypotecni-uvery-s-pojistenim-schopnosti-splacet\/#breadcrumbitem"}]}]