{"id":208,"date":"2022-11-22T10:07:56","date_gmt":"2022-11-22T10:07:56","guid":{"rendered":"https:\/\/usemb.ee\/?p=208"},"modified":"2023-03-07T11:30:06","modified_gmt":"2023-03-07T11:30:06","slug":"kinnisvaralaen","status":"publish","type":"post","link":"https:\/\/usemb.ee\/ru\/kinnisvaralaen\/","title":{"rendered":"\u041a\u0440\u0435\u0434\u0438\u0442\u044b \u043d\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c"},"content":{"rendered":"\n<p>Kodu ostmine on \u00fcks suurimaid investeerimisotsuseid, mida keegi v\u00f5ib teha. Ostu rahastamiseks laenu saamine v\u00f5ib tunduda hirmutav, kuid \u00f5igete teadmiste ja vahendite abil ei pea see olema seda. Selles blogipostituses vaatleme k\u00f5iki erinevaid kinnisvaralaenude liike, mis on potentsiaalsetele koduostjatele k\u00e4ttesaadavad, ja seda, mida peaksite enne laenu taotlemist teadma. Samuti k\u00e4sitleme m\u00f5ningaid n\u00f5uandeid, kuidas saada heakskiit ja kuidas maksimeerida oma v\u00f5imalusi saada suurep\u00e4rane intressim\u00e4\u00e4r. 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background-image:url('data:image\/png;base64,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'); 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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<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\/Attached-File-color-800px.png\" alt=\"kinnisvaralaen\" class=\"wp-image-530\" srcset=\"https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Attached-File-color-800px.png 800w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Attached-File-color-800px-300x300.png 300w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Attached-File-color-800px-150x150.png 150w, https:\/\/usemb.ee\/wp-content\/uploads\/2022\/11\/Attached-File-color-800px-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Mis on kinnisvaralaen?<\/h2>\n\n\n\n<p>Kinnisvaralaen on laen, mille tagatiseks on kinnisvara h\u00fcpoteegi v\u00f5i v\u00f5lakirja abil. Laenutulu saab kasutada mis tahes eesm\u00e4rgil, sealhulgas kinnisvara ostmiseks v\u00f5i refinantseerimiseks, arendamiseks, ehitamiseks ja kodu parendamiseks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Millist t\u00fc\u00fcpi laenu kasutatakse kinnisvara puhul?<\/h2>\n\n\n\n<p>Kinnisvaralaenu saab kasutada mitut liiki, kuid k\u00f5ige levinum on h\u00fcpoteeklaen. H\u00fcpoteek on laen, mille tagatiseks on kinnisvara ise, mis t\u00e4hendab, et kui te j\u00e4tate laenu maksmata, v\u00f5ib laenuandja kinnisvara arestida ja m\u00fc\u00fca selle, et oma kahjumit tagasi saada. H\u00fcpoteegid v\u00f5ivad olla kas fikseeritud v\u00f5i reguleeritava intressim\u00e4\u00e4raga ning neil v\u00f5ivad olla erinevad tingimused (aeg, mille jooksul peate laenu tagasi maksma), s\u00f5ltuvalt laenuv\u00f5tja vajadustest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas kinnisvaralaen on sama mis h\u00fcpoteeklaen?<\/h2>\n\n\n\n<p>Kinnisvaralaen ja h\u00fcpoteek ei ole \u00fcks ja sama asi. Kinnisvaralaen on laen, mida kasutatakse kinnisvara ostmiseks, samas kui h\u00fcpoteek on laenuliik, mida kasutatakse kinnisvara ostu rahastamiseks.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kodu ostmine on \u00fcks suurimaid investeerimisotsuseid, mida keegi v\u00f5ib teha. Ostu rahastamiseks laenu saamine v\u00f5ib tunduda hirmutav, kuid \u00f5igete teadmiste ja vahendite abil [&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>Kinnisvaralaen | Valige sobiv laen meie kodulehel - Mobey<\/title>\n<meta name=\"description\" content=\"Laen kinnisvara ostuks meie veebisaidil. Vali sobivaim laen ning esita taotlus. 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