{"id":10842,"date":"2023-09-25T16:01:24","date_gmt":"2023-09-25T14:01:24","guid":{"rendered":"https:\/\/tv.a11.cz\/?post_type=video&#038;p=10842"},"modified":"2023-09-26T13:18:39","modified_gmt":"2023-09-26T11:18:39","slug":"nova-kalkulacka-vam-pomuze-vyhnout-se-podpojisteni","status":"publish","type":"video","link":"https:\/\/tv.a11.cz\/video\/nova-kalkulacka-vam-pomuze-vyhnout-se-podpojisteni\/","title":{"rendered":"Nov\u00e1 kalkula\u010dka v\u00e1m pom\u016f\u017ee vyhnout se podpoji\u0161t\u011bn\u00ed"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>V\u011bt\u0161ina \u010cech\u016f m\u00e1 sv\u00e9 domy podpoji\u0161t\u011bn\u00e9 a vlastn\u011b o tom ani nev\u00ed. Proto se \u010cesk\u00e1 asociace poji\u0161\u0165oven rozhodla pomoci a nov\u011b nab\u00edz\u00ed kalkula\u010dku.<\/p>\n","protected":false},"author":8,"featured_media":10885,"template":"","categories":[17,23,157],"porad":[],"region":[218],"kategorie":[],"class_list":["post-10842","video","type-video","status-publish","has-post-thumbnail","hentry","category-domaci","category-ekonomika","category-zpravy","region-cela-cr"],"acf":[],"meta_box":{"nbla_idec":"N2300106","nbla_title":"Nov\u00e1 kalkula\u010dka v\u00e1m pom\u016f\u017ee vyhnout se podpoji\u0161t\u011bn\u00ed","nbla_subtitle":"","nbla_summary":"","nbla_description":"","nbla_transcription":"V\u011bt\u0161ina \u010cech\u016f m\u00e1 sv\u00e9 domy podpoji\u0161t\u011bn\u00e9 a vlastn\u011b o tom ani nev\u00ed. Proto se \u010cesk\u00e1 asociace poji\u0161\u0165oven rozhodla pomoci a nov\u011b nab\u00edz\u00ed kalkula\u010dku, d\u00edky kter\u00e9 z\u00e1jemci zjist\u00ed, jakou cenu jejich rodinn\u00fd d\u016fm doopravdy m\u00e1. D\u00edky t\u00e9to informaci si posl\u00e9ze mohou upravit poji\u0161t\u011bn\u00ed nemovitosti, aby z n\u011bj nedostali jen zlomek ceny. Za tou kalkula\u010dkou je asi rok pr\u00e1ce odborn\u00edk\u016f z poji\u0161\u0165oven a koleg\u016f z akademik\u016f z stavebn\u00ed fakulty \u010cVUT. Sna\u017eili jsme se, aby ta metodika ur\u010dov\u00e1n\u00ed t\u00e9 hodnoty nemovitosti byla skute\u010dn\u011b kvalitn\u00ed, p\u0159esn\u00e1, podlo\u017een\u00e1 v\u017edycky aktu\u00e1ln\u00edmi daty, ta kalkula\u010dka se bude ka\u017ed\u00e9ho p\u016fl roku v\u017edycky aktualizovat, proto\u017ee samoz\u0159ejm\u011b ceny stavebn\u00edch prac\u00ed a stavebn\u00edch materi\u00e1l\u016f st\u00e1le rostou. Nemovitost m\u00e1 poji\u0161t\u011bnou zhruba 60% obyvatel \u010cesk\u00e9 republiky, ale jen jedna t\u0159etina m\u00e1 spr\u00e1vn\u011b nastavenou smlouvu, tedy v\u00fd\u0161e pojistn\u00e9 \u010d\u00e1stky u nich neodpov\u00edd\u00e1 skute\u010dn\u00e9 hodnot\u011b nemovitosti. S t\u00edm by ale d\u00edky nov\u00e9 kalkula\u010dce mohl b\u00fdt konec. V podstat\u011b je to velmi jednoduch\u00e1 z\u00e1le\u017eitost, na na\u0161ich webov\u00fdch str\u00e1nk\u00e1ch si najdou v sekci kalkula\u010dky tady tu p\u0159\u00edslu\u0161nou kalkula\u010dku, zadaj\u00ed tam z\u00e1kladn\u00ed hodnoty sv\u00e9ho domu, tyho typu, typ jeho st\u0159echy, po\u010det podla\u017e\u00ed, velikost v metrech \u010dtvere\u010dn\u00edch, pak taky n\u00e1m vzd\u011bl\u00ed, jestli maj\u00ed sklep \u010di nikoli a nakonec vlastn\u011b uvedou, zdali to proveden\u00ed, ve kter\u00e9m je jejich nemovitost je standardn\u00ed nebo nadstandardn\u00ed, pokud by si nebyly jist\u00ed, m\u00e1me tam velmi jednoduch\u00fd n\u00e1vod, jak\u00fdm zp\u016fsobem se to ur\u010d\u00ed. Pokud klient zjist\u00ed, \u017ee m\u00e1 svou nemovitost pod poji\u0161t\u011bnou, m\u011bl by si i hned aktualizovat svou pojistnou smlouvu a rozhodn\u011b by nem\u011bl zapomenout na p\u00e1r d\u016fle\u017eit\u00fdch v\u011bc\u00ed s t\u00edm spojen\u00fdch. Ur\u010dit\u011b si zvolte indexaci pojistn\u00e9 \u010d\u00e1stky, proto\u017ee potom vlastn\u011b ta t\u00edha toho sledov\u00e1n\u00ed cen stavebn\u00edch prac\u00ed a materi\u00e1lu se p\u0159enese na poji\u0161\u0165ovnu. To bude v\u00e1s za klienta sledovat a v podstat\u011b ka\u017ed\u00fd rok v\u00e1m p\u0159i obnov\u011b nab\u00eddne novou pojistnou hodnotu, kter\u00e1 bude zodpov\u011bdat tomu st\u00e1vaj\u00edc\u00edmu stavu. Moment\u00e1ln\u011b je kalkula\u010dka dostupn\u00e1 pouze pro orienta\u010dn\u00ed v\u00fdpo\u010det hodnoty b\u011b\u017en\u00fdch rodinn\u00fdch dom\u016f, to se ale brzy zm\u011bn\u00ed. Zdali va\u0161e nemovitost nen\u00ed podpoji\u0161t\u011bn\u00e1, to si m\u016f\u017eete ov\u011b\u0159it ji\u017e te\u010f v kalkula\u010dce na str\u00e1nk\u00e1ch www.cab.cz. Pro televizi A11 Aneta Mitu\u0161inov\u00e1","nbla_serie":"","nbla_season":"","nbla_episode":"","nbla_duration":"148.68","nbla_genre":"","nbla_editorial_format":"","nbla_mtime":"1695649970","nbla_url":"https:\/\/origin.a11.cz\/vod\/dxhc0dq67j5zgfu9kb711n9pz.mp4","nbla_version":"1695649970","nbla_odvysilano":"Ne","bunny_id":"2e698e88-07f4-4388-a8db-5ea2ebbaa931","youtube_id":"","datum_vydani":"20230925","stopaz":"148.68","dokument":[],"video_to":["10886"]},"_links":{"self":[{"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/video\/10842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/video"}],"about":[{"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/types\/video"}],"author":[{"embeddable":true,"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/users\/8"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/media\/10885"}],"wp:attachment":[{"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/media?parent=10842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/categories?post=10842"},{"taxonomy":"porad","embeddable":true,"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/porad?post=10842"},{"taxonomy":"region","embeddable":true,"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/region?post=10842"},{"taxonomy":"kategorie","embeddable":true,"href":"https:\/\/tv.a11.cz\/api\/wp\/v2\/kategorie?post=10842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}