{"id":1704,"date":"2023-01-19T09:49:18","date_gmt":"2023-01-19T09:49:18","guid":{"rendered":"https:\/\/usemb.ee\/?page_id=1704"},"modified":"2023-01-19T12:24:11","modified_gmt":"2023-01-19T12:24:11","slug":"laen-eraisikult","status":"publish","type":"page","link":"https:\/\/usemb.ee\/ru\/laen-eraisikult\/","title":{"rendered":"\u0427\u0430\u0441\u0442\u043d\u044b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438"},"content":{"rendered":"\n<p>Kas kaalute laenu v\u00f5tmist eraisikult? Kui jah, siis v\u00f5ib tekkida k\u00fcsimus, mille poolest see valik erineb traditsioonilisest pangast laenu taotlemisest. \u00dcksikisikult laenu v\u00f5tmine v\u00f5ib pakkuda teatud eeliseid, kuid enne l\u00f5pliku otsuse tegemist on oluline kaaluda k\u00f5iki plusse ja miinuseid. 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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\">    <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=\"5000\" data-period=\"1800\" onclick=\"window.open('https:\/\/go.doaffiliate.net\/credit24.ee\/tj2q1\/48454');event.stopPropagation();  return false\">     <div class=\"da-cell doaffi-logo-wrap\">        <img decoding=\"async\" src=\"\/\/alfa.doaffiliate.net\/receivers\/imgServer.php?c=1270&amp;f=credit24.ee_21b7fe_140x36_lv.png&amp;t=logo\" style=\"max-width:100px; max-height:80px;\">    <\/div>            <div class=\"da-cell da-rating-description\">            <p>credit24.ee<\/p>            <div class=\"da-rating\" data-rating=\"8.00\"><\/div>        <\/div>        <div class=\"da-cell da-period\">        <p>Ajavahemikuks<\/p>        <span>1800<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\/credit24.ee\/tj2q1\/48454\" link=\"https:\/\/go.doaffiliate.net\/credit24.ee\/tj2q1\/48454\" target=\"_blank\" rel=\"nofollow noopener\" class=\"da-get-loan\" onclick=\"event.stopPropagation();\">Laenu saamine<\/a>    <\/div><\/div><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Designer-_Flatline.png\" alt=\"Laen Eraisikult\" class=\"wp-image-508\" width=\"549\" height=\"549\" srcset=\"https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Designer-_Flatline.png 500w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Designer-_Flatline-300x300.png 300w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Designer-_Flatline-150x150.png 150w\" sizes=\"(max-width: 549px) 100vw, 549px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\">Kas eralaenu on v\u00f5imalik saada?<\/h2>\n\n\n\n<p>Laenu v\u00f5tmisel on laenuv\u00f5tjate jaoks saadaval m\u00f5ned erinevad v\u00f5imalused. \u00dcks v\u00f5imalus on v\u00f5tta laenu eraisikult. Kuid kas see on t\u00f5esti v\u00f5imalik?<\/p>\n\n\n\n<p>Jah, finantsasutuselt, n\u00e4iteks pangalt v\u00f5i krediidi\u00fchistult laenamise asemel on v\u00f5imalik saada eralaenu teiselt eraisikult. Selleks on mitu v\u00f5imalust, n\u00e4iteks vastastikuste laenuplatvormide kaudu v\u00f5i perekonna ja s\u00f5prade abi palumine.<\/p>\n\n\n\n<p>Muidugi on tuttavalt laenu v\u00f5ttes oluline olla t\u00e4iesti kindel, et suudad v\u00f5la tagasi maksta. Vastasel juhul v\u00f5ite kahjustada oma suhteid selle inimesega. Ja kui te ei suuda v\u00f5lga tagasi maksta, peate v\u00f5ib-olla loovutama osa oma omandist tagatisena. Seega m\u00f5elge enne eralaenu v\u00f5tmist alati hoolikalt l\u00e4bi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mis on eralaen?<\/h2>\n\n\n\n<p>Kui v\u00f5tate laenu eraisikult, laenate raha eraisikult, mitte finantsasutuselt. Eralaenud v\u00f5ivad tulla pereliikmetelt, s\u00f5pradelt v\u00f5i isegi v\u00f5\u00f5rastelt inimestelt ning neid saab kasutada erinevatel eesm\u00e4rkidel.<\/p>\n\n\n\n<p>Eralaenu tingimused varieeruvad s\u00f5ltuvalt laenuv\u00f5tja ja laenuandja vahelisest kokkuleppest. Siiski on m\u00f5ned eralaenu \u00fchised omadused:<\/p>\n\n\n\n<ul>\n<li> Ilma tagatiseta: eralaenud on tavaliselt tagatiseta, mis t\u00e4hendab, et need ei ole tagatud \u00fchegi varaga, nagu maja v\u00f5i auto. See muudab need laenuandja jaoks riskantsemaks, kuid t\u00e4hendab ka seda, et laenuv\u00f5tja ei pea laenu saamiseks tagatist esitama.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>K\u00f5rgemad intressim\u00e4\u00e4rad: kuna eralaenud on laenuandjate jaoks riskantsemad, n\u00f5uavad nad sageli k\u00f5rgemat intressim\u00e4\u00e4ra kui pangad v\u00f5i muud finantsasutused.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Paindlikud tagasimaksetingimused: eralaenuandjad v\u00f5ivad olla valmis laenuv\u00f5tjatega koost\u00f6\u00f6d tegema, et kohandada tagasimaksetingimusi vastavalt nende eelarvele ja vajadustele.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Kuidas saada laenu eralaenuandjatelt?<\/h2>\n\n\n\n<p>Laenu saamine eralaenuandjatelt pole keeruline, kuid enne laenu v\u00f5tmist peaksite teadma m\u00f5nda asja. Esiteks on oluline m\u00f5ista, et eralaenuandjad ei ole pangad. Neil ei ole samu regulatsioone, mis pankadel, seega saavad nad oma laenukriteeriumide osas paindlikumad olla. See t\u00e4hendab, et eralaenuandjalt on v\u00f5imalik laenu saada ka siis, kui sul on halb krediit. Siiski peate t\u00f5en\u00e4oliselt andma laenu tagatise.<\/p>\n\n\n\n<p>Veel \u00fcks asi, mida meeles pidada, on see, et eralaenuandjad n\u00f5uavad tavaliselt k\u00f5rgemaid intressim\u00e4\u00e4rasid kui pangad. Seda seet\u00f5ttu, et nad v\u00f5tavad rohkem riske, laenates raha halva krediidiv\u00f5imega inimesele. Seet\u00f5ttu peaksite eralaenuandjalt laenu v\u00f5tmisel maksma k\u00f5rgemat intressi.<\/p>\n\n\n\n<p>Kui olete huvitatud eralaenuandjalt laenu v\u00f5tmisest, on m\u00f5ned asjad, mida saate teha, et suurendada oma heakskiidu saamise v\u00f5imalusi. Esiteks veenduge, et teil on kindel plaan laenuvahendite kasutamiseks. Eralaenuandjad tahavad n\u00e4ha, et sul on laenul konkreetne eesm\u00e4rk ja et oled m\u00f5elnud, kuidas selle tagasi maksad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas eraisik v\u00f5ib raha laenata koos intressiga?<\/h2>\n\n\n\n<p>Eraisikul on seaduslik intressiga raha laenata k\u00f5igis 50 riigis. Maksimaalne intressim\u00e4\u00e4r, mida eraisiku laenult k\u00fcsida saab, on iga osariigi enda reguleeritud. M\u00f5nes osariigis on maksimaalne v\u00f5etav intressim\u00e4\u00e4r 10%, teistes aga 24%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Millised on eralaenu riskid?<\/h2>\n\n\n\n<p>Laenu v\u00f5tmisega eraisikult, mitte finantsasutuselt kaasnevad mitmed riskid. V\u00f5ib-olla on k\u00f5ige olulisem risk maksej\u00f5uetuse oht. Kui te ei maksa laenumakseid, v\u00f5ib laenuandja teie vastu v\u00f5tta kohtulikke meetmeid, mille tulemuseks v\u00f5ib olla palga arestimine, varade arestimine ja isegi vanglakaristus.<\/p>\n\n\n\n<p>Teine oht, mida tuleb arvestada, on pettus. On olnud juhtumeid, kus eraisikud on esinenud eralaenuandjatena, et laenuv\u00f5tjaid \u00e4ra kasutada. Enne eraisikult laenu v\u00f5tmisega n\u00f5ustumist kontrollige kindlasti tema volitusi ja ajalugu, et veenduda nende seaduslikkuses.<\/p>\n\n\n\n<p>L\u00f5puks pidage meeles, et eralaenud on sageli k\u00f5rgete intressim\u00e4\u00e4radega. See t\u00e4hendab, et v\u00f5ite maksta tagasi oluliselt rohkem, kui laenu v\u00f5tsite, seega arvestage seda kindlasti oma otsuse tegemisel enne laenu v\u00f5tmist.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kas kaalute laenu v\u00f5tmist eraisikult? Kui jah, siis v\u00f5ib tekkida k\u00fcsimus, mille poolest see valik erineb traditsioonilisest pangast laenu taotlemisest. \u00dcksikisikult laenu v\u00f5tmine [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_themeisle_gutenberg_block_has_review":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laen Eraisikult | Vali sobiv laen - MoBey<\/title>\n<meta name=\"description\" content=\"Eraisiku laen meie veebisaidil. Vali sobivaim laen ning esita taotlus. 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