Valitsus kiitis neljap\u00e4eval heaks seadusemuudatuse, millega kodulaenu viimine teise panka muutub inimeste jaoks lihtsamaks, kiiremaks ja odavamaks ning loob seel\u00e4bi eelduse soodsamate eluasemelaenude saamiseks, teatas justiits- ja digiministeerium.<\/p>\n
Justiits- ja digiminister Liisa Pakosta \u00fctles, et edaspidi ei pea paremate laenutingimuste s\u00f5lmimiseks enam notarisse minema ega notaritasu maksma \u2013 vajalikud kokkulepped saab vormistada digitaalselt.<\/p>\n
“Muudatusega soodustame konkurentsi laenuturul ja see motiveerib pankasid pakkuma klientidele soodsamaid laenuv\u00f5imalusi. Kui kodulaenu teise panka viimine on lihtne ja kiire, saavad inimesed oma laenutingimusi senisest sagedamini \u00fcle vaadata. Just nii tekib olukord, kus inimesed saavad senise kodulaenu lihtsalt paremaid tingimusi pakkuvasse panka \u00fcle viia,” \u00fctles Pakosta.<\/p>\n
Pakosta lisas, et inimese jaoks t\u00e4hendab see rahalist kokkuhoidu: n\u00e4iteks 150\u202f000 euro suuruse kodulaenu puhul j\u00e4\u00e4b \u00e4ra 275 euro suurune notaritasu, kui aga laen on 350\u00a0000 eurot, on kokkuhoid 653 eurot.<\/p>\n
Muudatus puudutab olukordi, kus laenusaaja ja tagatisvara j\u00e4\u00e4vad samaks \u2013 muutub vaid pank.<\/p>\n
Kodulaenu refinantseerimise protsess j\u00e4\u00e4b sisuliselt samaks: inimene v\u00f5rdleb erinevate pankade laenutingimusi, pank teeb uue laenuotsuse, kinnistusraamatu kanne muudetakse digitaalselt, riigil\u00f5iv muudatuse eest tuleb endiselt tasuda. Samas kaob ebavajalik aeg ja kulu notariteenusele.<\/p>\n
Muudatuste elluviimiseks muudetakse asja\u00f5igusseadust ja asja\u00f5igusseaduse rakendamise seadust, et v\u00f5imaldada eluasemelaenu refinantseerimisel loobuda notariaalse t\u00f5estamise kohustusest ning kasutada senisest laiemalt digitaalseid lahendusi. Valitsuses heaks kiidetud seadusemuudatused saadetakse edasi riigikogu menetlusse.<\/p>\n","protected":false},"excerpt":{"rendered":"Valitsus kiitis neljap\u00e4eval heaks seadusemuudatuse, millega kodulaenu viimine teise panka muutub inimeste jaoks lihtsamaks, kiiremaks ja odavamaks ning…\n","protected":false},"author":2,"featured_media":145847,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[26,27,37,33,35,34,36,31,32,21,1431,28,29,2860,19,14271,17911,25,23,24,22,20,30],"class_list":["post-145846","post","type-post","status-publish","format-standard","has-post-thumbnail","category-eesti","tag-breaking-news","tag-breakingnews","tag-ee","tag-eesti","tag-eesti-keel","tag-estonia","tag-estonian","tag-featured-news","tag-featurednews","tag-headlines","tag-kodulaen","tag-latest-news","tag-latestnews","tag-liisa-pakosta","tag-news","tag-pangad","tag-pangavahetus","tag-populaarseimad-lood","tag-top-stories","tag-topstories","tag-uldised-uudised","tag-uudised","tag-viimased-uudised"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/116346834516255136","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/145846","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=145846"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/145846\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/145847"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=145846"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=145846"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=145846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}