\u00abHiljutisest Luminori tellimusel l\u00e4bi viidud k\u00fcsitlusest selgus, et just lapsevanemad peavad v\u00e4ga oluliseks \u00fc\u00fcripinna asemel oma kodus elamist \u2013 92% alaealiste lastega vanematest pidas kodu endale kuulumist v\u00e4ga oluliseks v\u00f5i oluliseks,\u00ab r\u00e4\u00e4kis Helina Kikas. \u00abSee on ka m\u00f5istetav, kuna oma kodu annab vanematele kindlustunde \u2013 muretsema ei pea \u00fc\u00fcrilepingu l\u00f5ppemise v\u00f5i uuendamise p\u00e4rast ja selline stabiilsus on perele hindamatu v\u00e4\u00e4rtusega.\u00bb<\/p>\n
Luminori kodulaenude valdkonnajuhi s\u00f5nul ongi sageli uue kodu soetamise taga puhtpraktiline vajadus \u2013 perre on s\u00fcndimas v\u00f5i \u00e4sja s\u00fcndinud uus laps, argivajadused on varasemaga seoses muutunud ning hakatakse otsima uut ja ruumikamat eluaset, taotledes selleks ka uut kodulaenu.<\/p>\n
\u00abJuba oma laenuv\u00f5imekuse esmasel hindamisel panga laenukalkulaatoris saab sissetulekute juures arvestada ka erinevate p\u00fcsivate riiklike toetuste ja h\u00fcvitistega. N\u00e4iteks vanemapuhkusel oleva v\u00e4ikelapse vanema \u2013 valdavalt emad, aga \u00fcha enam ka isad \u2013 puhul on vanemah\u00fcvitis p\u00fcsiva sissetulekuna arvestatav,\u00bb lausus Kikas. \u00abSh ei erista me \u00fcksikvanemaid ning hindame nende maksev\u00f5imet samamoodi nagu kahe lapsevanemaga pere puhul.\u00bb<\/p>\n
Igakuine toetus on tulu, ranitsa- v\u00f5i sporditoetus mitte<\/p>\n
\u00abLaenu maksimumsumma hindamisel arvestab pank \u00fcheltpoolt \u00fclalpeetavate arvu ehk lastega seotud kulutustega. Samas on lapsetoetused m\u00f5eldud just nende kulutuste katmiseks ja pere igakuise eelarve osa, mist\u00f5ttu toetusi osana sissetulekust ka k\u00e4sitleme,\u00bb r\u00e4\u00e4kis Luminori kodulaenude valdkonnajuht.<\/p>\n
Peretoetuste puhul arvestatakse tuluna Kikase s\u00f5nul riiklikult kehtestatud lapsetoetuste m\u00e4\u00e4ra, mida makstakse lapse 19-aastaseks saamiseni. Vanemah\u00fcvitist arvestatakse laenutaotluse hindamisel eeldusel, et lapsevanemal on t\u00f6\u00f6andjaga endiselt kehtiv t\u00f6\u00f6leping. Samuti arvestab Luminor tuluna alimente ja ettev\u00f5tlustulu puhul regulaarseid dividende.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00abHiljutisest Luminori tellimusel l\u00e4bi viidud k\u00fcsitlusest selgus, et just lapsevanemad peavad v\u00e4ga oluliseks \u00fc\u00fcripinna asemel oma kodus elamist…\n","protected":false},"author":2,"featured_media":20570,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[26,27,37,33,35,34,36,31,32,21,1431,11937,28,29,19,25,11938,23,24,22,20,30],"class_list":{"0":"post-20569","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-laenutaotleja","20":"tag-latest-news","21":"tag-latestnews","22":"tag-news","23":"tag-populaarseimad-lood","24":"tag-pusitulud","25":"tag-top-stories","26":"tag-topstories","27":"tag-uldised-uudised","28":"tag-uudised","29":"tag-viimased-uudised"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/20569","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=20569"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/20569\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/20570"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=20569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=20569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=20569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}