{"id":228,"date":"2022-11-22T10:21:08","date_gmt":"2022-11-22T10:21:08","guid":{"rendered":"https:\/\/usemb.ee\/?p=228"},"modified":"2023-03-07T11:30:04","modified_gmt":"2023-03-07T11:30:04","slug":"oppelaen","status":"publish","type":"post","link":"https:\/\/usemb.ee\/en\/oppelaen\/","title":{"rendered":"Study Loan"},"content":{"rendered":"\n<p>\u00d5ppelaenu v\u00f5tmine on \u00fcli\u00f5pilaste jaoks \u00fcks k\u00f5ige levinumaid v\u00f5imalusi oma hariduse rahastamiseks. Kuna \u00f5ppemaksud t\u00f5usevad, on paljudel peredel \u00fcha raskem endale kolled\u017ei v\u00f5i \u00fclikooli kulusid lubada. Kuid \u00f5ppelaenu v\u00f5tmisega on seotud m\u00f5ned riskid, mida tuleks enne otsuse tegemist arvesse v\u00f5tta. Selles blogipostituses vaatleme \u00f5ppelaenude eeliseid ja puudusi ning anname olulist teavet selle kohta, kuidas neid vastutustundlikult hallata.<\/p>\n\n\n\n<style>\/* exo-300 - latin-ext_latin *\/@font-face {  font-family: 'Exo';  font-style: normal;  font-weight: 300;  src: url('https:\/\/www.doaff.net\/fonts\/exo\/exo-v6-latin-ext_latin-300.eot'); \/* IE9 Compat Modes *\/  src: local('Exo Light'), local('Exo-Light'),       url('https:\/\/www.doaff.net\/fonts\/exo\/exo-v6-latin-ext_latin-300.eot?#iefix') format('embedded-opentype'), \/* IE6-IE8 *\/       url('https:\/\/www.doaff.net\/fonts\/exo\/exo-v6-latin-ext_latin-300.woff2') format('woff2'), \/* Super Modern Browsers *\/       url('https:\/\/www.doaff.net\/fonts\/exo\/exo-v6-latin-ext_latin-300.woff') format('woff'), \/* Modern Browsers *\/       url('https:\/\/www.doaff.net\/fonts\/exo\/exo-v6-latin-ext_latin-300.ttf') format('truetype'), \/* Safari, Android, iOS *\/       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background-image:url('data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAABsAAAAKCAYAAABFXiVrAAAAGXRFWHRTb2Z0d2FyZQBBZG9iZSBJbWFnZVJlYWR5ccllPAAAAyhpVFh0WE1MOmNvbS5hZG9iZS54bXAAAAAAADw\/eHBhY2tldCBiZWdpbj0i77u\/IiBpZD0iVzVNME1wQ2VoaUh6cmVTek5UY3prYzlkIj8+IDx4OnhtcG1ldGEgeG1sbnM6eD0iYWRvYmU6bnM6bWV0YS8iIHg6eG1wdGs9IkFkb2JlIFhNUCBDb3JlIDUuNi1jMTM4IDc5LjE1OTgyNCwgMjAxNi8wOS8xNC0wMTowOTowMSAgICAgICAgIj4gPHJkZjpSREYgeG1sbnM6cmRmPSJodHRwOi8vd3d3LnczLm9yZy8xOTk5LzAyLzIyLXJkZi1zeW50YXgtbnMjIj4gPHJkZjpEZXNjcmlwdGlvbiByZGY6YWJvdXQ9IiIgeG1sbnM6eG1wPSJodHRwOi8vbnMuYWRvYmUuY29tL3hhcC8xLjAvIiB4bWxuczp4bXBNTT0iaHR0cDovL25zLmFkb2JlLmNvbS94YXAvMS4wL21tLyIgeG1sbnM6c3RSZWY9Imh0dHA6Ly9ucy5hZG9iZS5jb20veGFwLzEuMC9zVHlwZS9SZXNvdXJjZVJlZiMiIHhtcDpDcmVhdG9yVG9vbD0iQWRvYmUgUGhvdG9zaG9wIENDIDIwMTcgKE1hY2ludG9zaCkiIHhtcE1NOkluc3RhbmNlSUQ9InhtcC5paWQ6RjlFN0RGNDhBMjQyMTFFN0IyQTdBRDBGQUM2ODgzNEUiIHhtcE1NOkRvY3VtZW50SUQ9InhtcC5kaWQ6RjlFN0RGNDlBMjQyMTFFN0IyQTdBRDBGQUM2ODgzNEUiPiA8eG1wTU06RGVyaXZlZEZyb20gc3RSZWY6aW5zdGFuY2VJRD0ieG1wLmlpZDo4MDNGRUY3RkExRDExMUU3QjJBN0FEMEZBQzY4ODM0RSIgc3RSZWY6ZG9jdW1lbnRJRD0ieG1wLmRpZDo4MDNGRUY4MEExRDExMUU3QjJBN0FEMEZBQzY4ODM0RSIvPiA8L3JkZjpEZXNjcmlwdGlvbj4gPC9yZGY6UkRGPiA8L3g6eG1wbWV0YT4gPD94cGFja2V0IGVuZD0iciI\/PgijnvQAAACkSURBVHjaYmBAB6pO84G4n4FI8P\/\/fxQM1KsAxPeB2ABdjgnDIgaGACBeyEA++ADF+xnVnA2QJZiwWOTIcHvfBXJt+n9r7wewGQwMD9AtZKKmRYQsZKTUInA84QBASwRAlgGxAsh8WDCCBA0YaAyYgL5JBNILgBiUChOoZTC6r4BBewHiMypbiM0i1NRIJQtxWYRqGaqF+hR4TACKUSwCAYAAAwCgpV\/xjnEOtwAAAABJRU5ErkJggg=='); 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box-shadow: 0px 0px 0px rgba(0, 0, 0, 0), 0px 0px 0px rgba(13, 13, 13, 0);    border: 5px solid #db6600;    height: 28px;    width: 28px;    border-radius: 16px;    background: #ffffff;    cursor: pointer;  }  .doaffi-table input[type=range]::-ms-thumb {    box-shadow: 0px 0px 0px rgba(0, 0, 0, 0), 0px 0px 0px rgba(13, 13, 13, 0);    border: 5px solid #db6600;    height: 28px;    width: 28px;    border-radius: 16px;    background: #ffffff;    cursor: pointer;  }}<\/style>\n\n<div class=\"doaffi-table\"><div class=\"da-slider-bg\" style=\"display: none\"><\/div>    <script>    if(document.getElementsByClassName(\"da-slider-bg\")[0].style.display == \"none\" && document.getElementsByClassName(\"row hero-icons text-center\"))    {        document.getElementsByClassName(\"row hero-icons text-center\")[0].children[0].remove();        document.getElementsByClassName(\"row hero-icons text-center\")[0].children[0].remove();    }<\/script><div class=\"da-row\" data-maxloan=\"15000\" data-period=\"72\" onclick=\"window.open('https:\/\/go.doaffiliate.net\/cooppank.ee\/tj2q1\/54137');event.stopPropagation();  return false\">     <div class=\"da-cell doaffi-logo-wrap\">        <img decoding=\"async\" src=\"\/\/alfa.doaffiliate.net\/receivers\/imgServer.php?c=1781&amp;f=logo.png&amp;t=logo\" style=\"max-width:100px; max-height:80px;\">    <\/div>            <div class=\"da-cell da-rating-description\">            <p>cooppank.ee<\/p>            <div class=\"da-rating\" data-rating=\"8.00\"><\/div>        <\/div>        <div class=\"da-cell da-period\">        <p>Ajavahemikuks<\/p>        <span>72<span class=\"da-small-desc\"> kuud<\/span><\/span>    <\/div>    <div class=\"da-cell da-period da-maxloan\">        <p>Laenusumma<\/p>        <span>15000 \u20ac<\/span>    <\/div>    <div class=\"da-cell da-period\">        <p>Heakskiitmine<\/p>        <span>2<span class=\"da-small-desc\"> minutit<\/span><\/span>    <\/div>    <div class=\"da-cell da-last-cell\">        <a href=\"https:\/\/go.doaffiliate.net\/cooppank.ee\/tj2q1\/54137\" link=\"https:\/\/go.doaffiliate.net\/cooppank.ee\/tj2q1\/54137\" target=\"_blank\" rel=\"nofollow noopener\" class=\"da-get-loan\" onclick=\"event.stopPropagation();\">Laenu saamine<\/a>    <\/div><\/div><div class=\"da-row\" data-maxloan=\"5000\" data-period=\"72\" onclick=\"window.open('https:\/\/go.doaffiliate.net\/kreditex.ee\/tj2q1\/41966');event.stopPropagation();  return false\">     <div class=\"da-cell doaffi-logo-wrap\">        <img decoding=\"async\" src=\"\/\/alfa.doaffiliate.net\/receivers\/imgServer.php?c=1666&amp;f=logo.png&amp;t=logo\" style=\"max-width:100px; max-height:80px;\">    <\/div>            <div class=\"da-cell da-rating-description\">            <p>kreditex.ee<\/p>            <div class=\"da-rating\" data-rating=\"8.00\"><\/div>        <\/div>        <div class=\"da-cell da-period\">        <p>Ajavahemikuks<\/p>        <span>72<span class=\"da-small-desc\"> kuud<\/span><\/span>    <\/div>    <div class=\"da-cell da-period da-maxloan\">        <p>Laenusumma<\/p>        <span>5000 \u20ac<\/span>    <\/div>    <div class=\"da-cell da-period\">        <p>Heakskiitmine<\/p>        <span>15<span class=\"da-small-desc\"> minutit<\/span><\/span>    <\/div>    <div class=\"da-cell da-last-cell\">        <a href=\"https:\/\/go.doaffiliate.net\/kreditex.ee\/tj2q1\/41966\" link=\"https:\/\/go.doaffiliate.net\/kreditex.ee\/tj2q1\/41966\" target=\"_blank\" rel=\"nofollow noopener\" class=\"da-get-loan\" onclick=\"event.stopPropagation();\">Laenu saamine<\/a>    <\/div><\/div><div class=\"da-row\" data-maxloan=\"10000\" data-period=\"84\" onclick=\"window.open('https:\/\/go.doaffiliate.net\/tfbank.ee\/tj2q1\/47180');event.stopPropagation();  return false\">     <div class=\"da-cell doaffi-logo-wrap\">        <img decoding=\"async\" src=\"\/\/alfa.doaffiliate.net\/receivers\/imgServer.php?c=627&amp;f=TFBank_logo_varviline_-01.jpg&amp;t=logo\" style=\"max-width:100px; max-height:80px;\">    <\/div>            <div class=\"da-cell da-rating-description\">            <p>tfbank.ee<\/p>            <div class=\"da-rating\" data-rating=\"6.00\"><\/div>        <\/div>        <div class=\"da-cell da-period\">        <p>Ajavahemikuks<\/p>        <span>84<span class=\"da-small-desc\"> kuud<\/span><\/span>    <\/div>    <div class=\"da-cell da-period da-maxloan\">        <p>Laenusumma<\/p>        <span>10000 \u20ac<\/span>    <\/div>    <div class=\"da-cell da-period\">        <p>Heakskiitmine<\/p>        <span>60<span class=\"da-small-desc\"> minutit<\/span><\/span>    <\/div>    <div class=\"da-cell da-last-cell\">        <a href=\"https:\/\/go.doaffiliate.net\/tfbank.ee\/tj2q1\/47180\" link=\"https:\/\/go.doaffiliate.net\/tfbank.ee\/tj2q1\/47180\" target=\"_blank\" rel=\"nofollow noopener\" class=\"da-get-loan\" onclick=\"event.stopPropagation();\">Laenu saamine<\/a>    <\/div><\/div><\/div>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Bookworm.png\" alt=\"\u00f5ppelaen\" class=\"wp-image-541\" srcset=\"https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Bookworm.png 800w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Bookworm-300x300.png 300w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Bookworm-150x150.png 150w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Bookworm-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Kuidas saada \u00f5ppelaenu?<\/h2>\n\n\n\n<p>Kui soovid rahastada oma \u00f5pinguid, v\u00f5id kaaluda \u00f5ppelaenu v\u00f5tmist. Aga kuidas seda saada?<\/p>\n\n\n\n<p>\u00d5ppelaenu taotlemiseks on mitu erinevat v\u00f5imalust. Sa v\u00f5id taotleda laenu kas otse panga v\u00f5i muu finantsasutuse kaudu v\u00f5i valitsuse \u00fcli\u00f5pilaste rahastamise programmi kaudu.<\/p>\n\n\n\n<p>Kui taotled laenu panga kaudu, on taotlemise protsess t\u00f5en\u00e4oliselt sarnane mis tahes muu laenut\u00fc\u00fcbi puhul. Peate t\u00e4itma taotlusvormi ja esitama m\u00f5ned t\u00f5endavad dokumendid, n\u00e4iteks t\u00f5endid sissetulekute ja kulude kohta. Seej\u00e4rel hindab pank teie taotlust ja otsustab, kas pakkuda teile laenu v\u00f5i mitte.<\/p>\n\n\n\n<p>Kui taotlete laenu valitsuse \u00f5pperahastusprogrammi kaudu, on protsess veidi teistsugune. Peate t\u00e4itma vormi nimega FAFSA (Free Application for Federal Student Aid). Selles vormis hinnatakse teie finantsvajadusi ja m\u00e4\u00e4ratakse kindlaks, kas teil on \u00f5igus saada riiklikku rahastamist v\u00f5i mitte. Kui teil on \u00f5igus, saate seej\u00e4rel taotleda programmi kaudu \u00f5ppelaenu.<\/p>\n\n\n\n<p>S\u00f5ltumata sellest, millise tee te valite, on oluline v\u00f5rrelda erinevaid laene, enne kui otsustate, milline neist on teie jaoks \u00f5ige. Kaaluge selliseid asju nagu intressim\u00e4\u00e4rad, tagasimaksetingimused ning v\u00f5imalikud tasud ja l\u00f5ivud. Uurimusi tehes ja erinevaid v\u00f5imalusi v\u00f5rreldes saad veenduda, et leiad parima v\u00f5imaliku \u00f5ppelaenu pakkumise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Millised on \u00f5ppelaenu puudused?<\/h2>\n\n\n\n<p>\u00d5ppelaenude puhul on m\u00f5ned puudused, millest potentsiaalsed laenuv\u00f5tjad peaksid enne laenu v\u00f5tmist teadlikud olema. Esiteks on \u00f5ppelaenude intressim\u00e4\u00e4rad tavaliselt k\u00f5rgemad kui muud liiki laenude puhul. See t\u00e4hendab, et laenuv\u00f5tja maksab l\u00f5puks laenuperioodi jooksul rohkem raha intressi. Lisaks v\u00f5ivad \u00f5ppelaenude tagasimaksetingimused olla rangemad kui muud liiki laenude puhul, mis v\u00f5ib muuta laenuv\u00f5tjate jaoks maksete tasumise raskeks. Kui laenuv\u00f5tja ei suuda oma \u00f5ppelaenu tagasi maksta, v\u00f5ib ta kahjustada oma krediidiskoori, mis muudab raha laenamise tulevikus keeruliseks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Millist t\u00fc\u00fcpi laen on \u00fcli\u00f5pilastele parim?<\/h2>\n\n\n\n<p>On olemas palju erinevaid \u00f5ppelaenut\u00fc\u00fcpe ja teie jaoks parim laenut\u00fc\u00fcp s\u00f5ltub teie individuaalsest olukorrast. Kui teil on hea krediit, v\u00f5ite saada madala intressim\u00e4\u00e4raga eralaenu. Kui teil on halb krediit v\u00f5i puudub krediit, peate v\u00f5ib-olla saama f\u00f6deraalse \u00f5ppelaenu. F\u00f6deraalsetel \u00f5ppelaenudel on fikseeritud intressim\u00e4\u00e4rad ja nad pakuvad erinevaid tagasimaksev\u00f5imalusi, seega v\u00f5ivad need olla hea valik \u00fcli\u00f5pilastele, kes on h\u00e4das toimetulekuga.<\/p>\n\n\n\n<div id=\"wp-block-themeisle-blocks-accordion-c4d4ceab\" class=\"wp-block-themeisle-blocks-accordion exclusive\"><\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-accordion-809da35c\" class=\"wp-block-themeisle-blocks-accordion exclusive\"><\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-accordion-772b6700\" class=\"wp-block-themeisle-blocks-accordion exclusive\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00d5ppelaenu v\u00f5tmine on \u00fcli\u00f5pilaste jaoks \u00fcks k\u00f5ige levinumaid v\u00f5imalusi oma hariduse rahastamiseks. Kuna \u00f5ppemaksud t\u00f5usevad, on paljudel peredel \u00fcha raskem endale kolled\u017ei v\u00f5i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00d5ppelaen | Vali sobiv laen - Mobey<\/title>\n<meta name=\"description\" content=\"\u00d5ppelaen, mis sobib sulle, on leitud ja ootab. Vaata \u00fcle ja v\u00f5ta \u00f5ige laen. 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