{"id":19136,"date":"2025-10-14T08:35:07","date_gmt":"2025-10-14T08:35:07","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/19136\/"},"modified":"2025-10-14T08:35:07","modified_gmt":"2025-10-14T08:35:07","slug":"swedbank-ei-arvesta-enam-peretoetusi-kodulaenuvotja-sissetulekute-hulka-majandus","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/19136\/","title":{"rendered":"Swedbank ei arvesta enam peretoetusi kodulaenuv\u00f5tja sissetulekute hulka | Majandus"},"content":{"rendered":"<p>Swedbank l\u00f5petas alates septembist peretoetuste arvestamise kodulaenutaotleja sissetulekute hulka, samas kui teised Eestis tegutsevad pangad seda j\u00e4tkuvalt teevad.<\/p>\n<p>Swedbanki eluasemelaenude valdkonnajuht Anne P\u00e4rgma kinnitusel arvestavad nad kodulaenu v\u00e4ljastamisel peamise sissetulekuna t\u00f6\u00f6tasu, aga toetusi, sealhulgas lastetoetusi alates septembrist enam mitte, kirjutas <a href=\"https:\/\/www.ohtuleht.ee\/1141936\/puhi-suu-puhtaks-pere-tahtis-kodulaenu-aga-swedbank-enam-lapsetoetusi-sissetulekuna-ei-arvesta\" target=\"_blank\" rel=\"noopener nofollow\">\u00d5htuleht.<\/a><\/p>\n<p>Teised pangad arvestavad aga peretoetusi j\u00e4tkuvalt laenutaotleja sissetulekute hulka. Seda kinnitasid nii SEB, Coop pank, KHV, Luminor, Citadele kui ka Bigbank.<\/p>\n<p>Samas m\u00f6\u00f6nis LHV eraisikute finantseerimise osakonna juht\u00a0Catlin Vatsel, et laste hulk m\u00f5jutab pere laenuv\u00f5imekust, sest mida rohkem on \u00fclalpeetavaid, seda suuremad on igakuised kulud ja seda v\u00e4iksem osa sissetulekust j\u00e4\u00e4b laenu teenindamiseks.<\/p>\n<p>Coop Panga kodulaenude \u00e4riliini juht Karin Ossipova t\u00f5i teisalt v\u00e4lja, et kui lapsi on v\u00e4hemalt kolm, saab pere kasutada kodulaenu v\u00f5ttes ettev\u00f5tluse ja innovatsiooni sihtasutuse paljulapselise pere k\u00e4endust, mille puhul on omafinantseeringuks vaja k\u00f5igest viis, mitte tavap\u00e4rane 15 protsenti.<\/p>\n<p>Eesti Panga finantsstabiilsuse osakonna juhataja Jaak T\u00f5rs \u00fctles, et laenuandmise otsus ja tingimused p\u00f5hinevad panga riskihindamisel, kas isik on v\u00f5imeline laenu tagasi maksma.<\/p>\n<p>Eesti Pank on eluasemelaenu v\u00e4ljastamise n\u00f5uetes s\u00e4testanud, et arvestada tuleb eelk\u00f5ige sissetuleku regulaarsust. Sissetuleku t\u00fc\u00fcbi arvestamine on panga enda riskide hindamise p\u00e4devus, kuid oluline on hinnata laenuteenindamise v\u00f5imet, teisis\u00f5nu ei keela Eesti Pank lastetoetusi pere sissetuleku hulka lugeda.<\/p>\n<p>Loe pikemalt <a href=\"https:\/\/www.ohtuleht.ee\/1141936\/puhi-suu-puhtaks-pere-tahtis-kodulaenu-aga-swedbank-enam-lapsetoetusi-sissetulekuna-ei-arvesta\" target=\"_blank\" rel=\"noopener nofollow\">\u00d5htulehest.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Swedbank l\u00f5petas alates septembist peretoetuste arvestamise kodulaenutaotleja sissetulekute hulka, samas kui teised Eestis tegutsevad pangad seda j\u00e4tkuvalt teevad.&hellip;\n","protected":false},"author":2,"featured_media":19137,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[26,27,37,33,35,34,36,31,32,21,1431,11300,11299,28,29,19,11298,25,2275,23,24,22,20,30],"class_list":{"0":"post-19136","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-eesti","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-ee","11":"tag-eesti","12":"tag-eesti-keel","13":"tag-estonia","14":"tag-estonian","15":"tag-featured-news","16":"tag-featurednews","17":"tag-headlines","18":"tag-kodulaen","19":"tag-laenuvoimekus","20":"tag-lastetoetused","21":"tag-latest-news","22":"tag-latestnews","23":"tag-news","24":"tag-peretoetused","25":"tag-populaarseimad-lood","26":"tag-swedbank","27":"tag-top-stories","28":"tag-topstories","29":"tag-uldised-uudised","30":"tag-uudised","31":"tag-viimased-uudised"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/19136","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=19136"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/19136\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/19137"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=19136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=19136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=19136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}