{"id":2237,"date":"2022-03-16T12:59:18","date_gmt":"2022-03-16T11:59:18","guid":{"rendered":"https:\/\/www.ez.cz\/?p=2237"},"modified":"2022-06-14T12:13:17","modified_gmt":"2022-06-14T10:13:17","slug":"zvysila-se-cena-vasi-nemovitosti-nezapomente-na-kontrolu-pojisteni","status":"publish","type":"post","link":"https:\/\/www.ez.cz\/?p=2237","title":{"rendered":"Zv\u00fd\u0161ila se cena va\u0161\u00ed nemovitosti? Nezapome\u0148te na kontrolu poji\u0161t\u011bn\u00ed"},"content":{"rendered":"\n

P\u0159esto\u017ee to nen\u00ed zcela samoz\u0159ejm\u00e9, s r\u016fstem cen nemovitost\u00ed je spojeno i majetkov\u00e9 poji\u0161t\u011bn\u00ed. Pokud se hodnota Va\u0161eho domu \u010di bytu lety skokov\u011b zv\u00fd\u0161ila, nem\u011bli byste zapomenout na kontrolu poji\u0161t\u011bn\u00ed. P\u0159esn\u011bji, k nastaven\u00ed pojistn\u00e9 \u010d\u00e1stky tak, aby odpov\u00eddala aktu\u00e1ln\u00ed cen\u011b Va\u0161\u00ed nemovitosti.<\/p>\n\n\n\n

Pro\u010d je pojistn\u00e1 \u010d\u00e1stka d\u016fle\u017eit\u00e1?<\/p>\n\n\n\n

Pojistn\u00e1 \u010d\u00e1stka je d\u016fle\u017eit\u00e1, proto\u017ee pr\u00e1v\u011b ta V\u00e1m bude vyplacena p\u0159i tot\u00e1ln\u00ed \u0161kodn\u00ed ud\u00e1losti. Odbornice na majetkov\u00e9 poji\u0161t\u011bn\u00ed proto doporu\u010duje, aby si klient zvolil automatickou indexaci. \u201ePoji\u0161\u0165ovna sama sleduje v\u00fdvoj cen nemovitost\u00ed na trhu a na z\u00e1klad\u011b \u00fadaj\u016f ze Statistick\u00e9ho \u00fa\u0159adu SR ka\u017edoro\u010dn\u011b upravuje pojistn\u00e9 \u010d\u00e1stky pro klienty, kte\u0159\u00ed si automatickou indexaci zvolili. Poji\u0161\u0165ovna takto klientovi chr\u00e1n\u00ed majetek pro p\u0159\u00edpad tot\u00e1ln\u00ed \u0161kody,\u201c vysv\u011btluje produktov\u00e1 mana\u017eerka poji\u0161\u0165ovny Groupama, Denisa Ba\u010dov\u00e1.<\/p>\n\n\n\n

Co kdy\u017e nechci automatickou indexaci?<\/p>\n\n\n\n

Vysv\u011btlen\u00ed nab\u00edz\u00ed jednoduch\u00fd p\u0159\u00edklad z praxe:<\/p>\n\n\n\n

Peter si v roce 2010 koupil byt za 50,000 EUR a na stejnou \u010d\u00e1stku si ho i pojistil. Dnes m\u00e1 tento byt hodnotu 100,000 EUR, ale Peter nem\u00e1 zvolenou automatickou indexaci pojistn\u00e9 \u010d\u00e1stky a jaksi na tu kontrolu poji\u0161t\u011bn\u00ed pozapomn\u011bl. Kdyby se mu nyn\u00ed stala tot\u00e1ln\u00ed \u0161koda, nap\u0159\u00edklad by mu byt vyho\u0159el, a\u010dkoli m\u00e1 Petr\u016fv byt n\u00e1sobn\u011b vy\u0161\u0161\u00ed hodnotu, poji\u0161\u0165ovna mu vyplat\u00ed jen p\u016fvodn\u00ed pojistnou \u010d\u00e1stku. Peter tak dostane 50,000 EUR, ale podobn\u00fd byt ve stejn\u00e9 kvalit\u011b, rozloze \u010di lokalit\u011b si p\u0159i takov\u00e9m r\u016fstu cen asi dnes koup\u00ed jen st\u011b\u017e\u00ed.<\/p>\n\n\n\n

Myslete proto na to, abyste nemovitost nem\u011bli podpoji\u0161t\u011bnou. Pokud i automatickou indexaci nechcete, m\u011bli byste sv\u00e9 poji\u0161t\u011bn\u00ed a rovn\u011b\u017e i pojistn\u00e9 \u010d\u00e1stky kontrolovat alespo\u0148 jednou za dva roky. Vy\u0161\u0161\u00ed pojistn\u00e9 odr\u00e1\u017e\u00ed vy\u0161\u0161\u00ed cenu nemovitosti<\/p>\n\n\n\n

\n\n\n\n

Sjednejte si majetkov\u00e9 poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n\n\n\n

\n\n\n\n

Z \u00fadaj\u016f realitn\u00ed kancel\u00e1\u0159e Neoreal je z\u0159ejm\u00e9, \u017ee meziro\u010dn\u00ed r\u016fst nemovitost\u00ed se v posledn\u00edch p\u011bti letech pohybuje na \u00farovni 5-12 % v z\u00e1vislosti na typu nemovitosti a lokalit\u011b. \u201eJeliko\u017e se zv\u00fd\u0161ila cena nemovitosti, v p\u0159\u00edpad\u011b automatick\u00e9 indexace se rovn\u011b\u017e zvy\u0161uje i v\u00fd\u0161e pojistn\u00e9ho. Nejde v\u0161ak o zvy\u0161ov\u00e1n\u00ed ceny pojistn\u00e9ho ze strany poji\u0161\u0165ovny. Vy\u0161\u0161\u00ed spl\u00e1tka pojistn\u00e9ho odr\u00e1\u017e\u00ed vy\u0161\u0161\u00ed pojistnou \u010d\u00e1stku, tedy dra\u017e\u0161\u00ed nemovitost,\u201c \u0159\u00edk\u00e1 PR konzultant poji\u0161\u0165ovny Groupama, Ivan Bobo\u0161\u00edk.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

Jak\u00e1 je realita?<\/p>\n\n\n\n

Praxe \u0159\u00edk\u00e1, \u017ee n\u00e1sledky \u0161patn\u011b nastaven\u00e9 pojistn\u00e9 \u010d\u00e1stky zp\u016fsobuj\u00ed klient\u016fm obrovsk\u00e9 \u0161kody. \u201eSetkali jsme se s p\u0159\u00edpadem, kdy bohu\u017eel klientovi po\u017e\u00e1r tot\u00e1ln\u011b zni\u010dil d\u016fm. Ne\u0161t\u011bst\u00edm pro n\u011bj bylo, \u017ee nem\u011bl automatickou indexaci as poji\u0161t\u011bn\u00edm t\u00e9m\u011b\u0159 10 let nic ned\u011blal. Pojistnou \u010d\u00e1stku m\u011bl nastavenou na p\u016fvodn\u00ed hodnotu, za kterou si d\u016fm postavil. Jeliko\u017e v\u0161ak stouply ceny nejen nemovitost\u00ed ale i materi\u00e1l\u016f, dnes si za stejnou \u010d\u00e1stku takovou nemovitost nekoup\u00ed, nemluv\u011b o za\u0159\u00edzen\u00ed, elektronice a v\u00fdbav\u011b domu,\u201c popisuje sv\u00e9 zku\u0161enosti vedouc\u00ed likvidace v poji\u0161\u0165ovn\u011b Groupama, Evel\u00edna Beke Gajdosch\u00edkov\u00e1.<\/p>\n\n\n\n

Klienti tak v podobn\u00fdch p\u0159\u00edpadech p\u0159ich\u00e1zej\u00ed o tis\u00edce eur, a p\u0159itom naprosto zbyte\u010dn\u011b. Nezapome\u0148te p\u0159i ochran\u011b sv\u00e9ho majetku na kontrolu poji\u0161t\u011bn\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

P\u0159esto\u017ee to nen\u00ed zcela samoz\u0159ejm\u00e9, s r\u016fstem cen nemovitost\u00ed je spojeno i majetkov\u00e9 poji\u0161t\u011bn\u00ed. Pokud se hodnota Va\u0161eho domu \u010di bytu lety skokov\u011b zv\u00fd\u0161ila, nem\u011bli byste zapomenout na kontrolu poji\u0161t\u011bn\u00ed. P\u0159esn\u011bji, k nastaven\u00ed pojistn\u00e9 \u010d\u00e1stky tak, aby odpov\u00eddala aktu\u00e1ln\u00ed cen\u011b Va\u0161\u00ed nemovitosti. Pro\u010d je pojistn\u00e1 \u010d\u00e1stka d\u016fle\u017eit\u00e1? Pojistn\u00e1 \u010d\u00e1stka je d\u016fle\u017eit\u00e1, proto\u017ee pr\u00e1v\u011b ta V\u00e1m […]<\/p>\n","protected":false},"author":4,"featured_media":2238,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[156],"tags":[],"class_list":["post-2237","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2237","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2237"}],"version-history":[{"count":0,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2237\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/media\/2238"}],"wp:attachment":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}