\u00abHeadel aegadel ei taha me tihti m\u00f5elda selle peale, mis saab siis, kui olukord muutub. \u00dcksinda kodulaenu v\u00f5ttes on v\u00e4hemalt see kindlustunne olemas, et oma kodu j\u00e4\u00e4b enda k\u00e4tte ja ei pea hakkama tegelema sellega seotud t\u00fclide lahendamisega,\u00bb lisab ta.<\/p>\n
Samuti on praktikas ka olukordi, kus kaaslaenusaaja lisamine ei ole m\u00f5istlik. N\u00e4iteks ei pruugi elukaaslase sissetulek vastata panga n\u00f5uetele v\u00f5i v\u00f5ib varasem maksek\u00e4itumine olla problemaatiline.<\/p>\n
\u00abLisaks v\u00f5ib probleeme tekkida kui kodulaenu soovitakse v\u00f5tta koos inimesega, kellel on l\u00fchiajaline elamisluba, mis ei anna pangale kindlustunnet, et m\u00f5lemad osapooled saaksid pikaajaliselt tagasimaksetesse panustada,\u00bb s\u00f5nab ta.<\/p>\n
Nendes olukordades on laenuv\u00f5tjal targem juba varakult arvestada sellega, et kodu ostetakse ja kodulaenu v\u00f5etakse \u00fchele inimesele vastavalt tema v\u00f5imalustele.<\/p>\n
Pangad annavad julgemalt laenu ka \u00fcksinda taotlejatele<\/p>\n
Kui vaadata ajas tagasi, siis ei ole \u00fcksi kodulaenu v\u00f5tmine alati olnud nii tavap\u00e4rane ega k\u00e4ttesaadav kui t\u00e4na. Varasemalt on pangad olnud ettevaatlikumad ning \u00fcksikisiku v\u00f5imalused kodulaenu saada s\u00f5ltusid rohkem perekonnaseisust ja laiemast tugiv\u00f5rgustikust, eriti kui taotlejal on olnud ka lapsi. \u00abNegatiivsemate n\u00e4idetena v\u00f5is tulla ette olukordi, kus lastega laenutaotlejal soovitati leida partner, kellega koos kodulaenu v\u00f5tta. \u00d5nneks on need ajad juba m\u00f6\u00f6danik,\u00bb s\u00f5nab Ossipova.<\/p>\n
T\u00e4naseks on pangad tunduvalt varmamad ka \u00fcksinda kodulaenu taotleva inimesega koost\u00f6\u00f6d tegema ja leidma lahendusi, mis arvestaks konkreetse inimese sissetulekute, kohustuste ja soovidega. \u00abSee on avanud ukse neile, kes soovivad ja suudavad kodu soetada iseseisvalt s\u00f5ltumata sellest, kas nad on vallalised, elavad koos partneriga v\u00f5i kasvatavad lapsi \u00fcksi.\u00bb<\/p>\n","protected":false},"excerpt":{"rendered":"\u00abHeadel aegadel ei taha me tihti m\u00f5elda selle peale, mis saab siis, kui olukord muutub. \u00dcksinda kodulaenu v\u00f5ttes…\n","protected":false},"author":2,"featured_media":104930,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[50231,131,130,37,33,35,2936,34,36,1431,47660,50233,50232,50234,50230],"class_list":{"0":"post-104929","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ari","8":"tag-ainuomand","9":"tag-ari","10":"tag-business","11":"tag-ee","12":"tag-eesti","13":"tag-eesti-keel","14":"tag-eluasemelaen","15":"tag-estonia","16":"tag-estonian","17":"tag-kodulaen","18":"tag-omafinantseering","19":"tag-panga-laenutingimused","20":"tag-perekonnaseis-ja-laen","21":"tag-uksiklaenaja","22":"tag-uksinda-kodu-ostmine"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/116046020098808307","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/104929","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=104929"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/104929\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/104930"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=104929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=104929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=104929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}