{"id":29765,"date":"2025-10-28T19:38:48","date_gmt":"2025-10-28T19:38:48","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/29765\/"},"modified":"2025-10-28T19:38:48","modified_gmt":"2025-10-28T19:38:48","slug":"tervishoiuteenuste-hinnasurve-sunnib-eestlasi-laenu-votma","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/29765\/","title":{"rendered":"Tervishoiuteenuste hinnasurve sunnib eestlasi laenu v\u00f5tma"},"content":{"rendered":"<p>Luminor Eesti jaepanganduse valdkonnajuhi Marek-Meelis Puusti s\u00f5nul on v\u00e4ikelaen suurema osa eestlaste jaoks praktiline, mitte impulsiivne otsus. \u201e65% uuringule vastanutest pole kunagi v\u00e4ikelaenu kasutanud ja need kes seda on teinud, suunavad <a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.delfi.ee\/teema\/96858904\/laen-1\" tag-id=\"96858904\">laenuraha<\/a> peamiselt koduga seotud <a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.delfi.ee\/teema\/32638967\/kulud\" tag-id=\"32638967\">kulude<\/a> katteks. See on m\u00e4rk l\u00e4bim\u00f5eldud rahakasutusest, sest tavaliselt laenatakse konkreetse vajaduse rahuldamiseks, mitte tarbimise suurendamiseks,\u201c selgitas ta.<\/p>\n<p>Norstati uuringu andmetel on viiendik vastanutest viimase kolme aasta jooksul v\u00e4hemalt korra v\u00e4ikelaenu abi kasutanud. Nendest 47% on laenu kasutanud kodu remondiks v\u00f5i renoveerimiseks, 34% s\u00f5iduki ostmiseks v\u00f5i parandamiseks ja 30% elektroonikaseadmete v\u00f5i kodumasinate ostuks. Samuti selgus, et kolmandik vastanutest on v\u00e4ikelaenu kasutanud tervishoiukulude v\u00f5i hambaarsti visiidi katteks.<\/p>\n<p>Eriti paistis k\u00fcsitlusest silma t\u00f5siasi, et nooremates vanuser\u00fchmades on tarbimislaenu kasutamine tervisega seotud kulude katmiseks m\u00e4rgatavalt k\u00f5rgem kui teistes vanusegruppides. Kui 18-29-aastaste noorte seas on v\u00e4ikelaenu tervisehoiukulude katmiseks kasutanud 40% vastanutest, siis vanemates vanusegruppides j\u00e4\u00e4b sama n\u00e4itaja alla selle.<\/p>\n<p>\u201eSee viitab tervishoiuteenuste kasvavale hinnasurvele ja tasuta arstiabi piiratud k\u00e4ttesaadavusele. Noored on tasuliste teenuste osas veidi avatumad ning ka terviseteadlikkus on suurenenud, mis t\u00e4hendab, et aina rohkem uuritakse oma tervist erapraksistes,\u201c s\u00f5nas Puust.<\/p>\n<p>Pakkumisi k\u00fcsitakse eri pankadelt<\/p>\n<p>Uuring t\u00f5i esile ka eestlaste k\u00e4itumismustrid laenupakkumiste v\u00f5rdlemisel: ligi pool laenuv\u00f5tjatest v\u00f5rdleb enne otsuse tegemist erinevate pankade pakkumisi, hinnates nii intresse kui ka kogukulu. Viiendik laenuv\u00f5tjatest v\u00f5tab v\u00e4ikelaenu otse oma kodupangast, teisi v\u00f5imalusi kaalumata.<\/p>\n<p>\u201eOn hea t\u00f5deda, et \u00fcha rohkem kliente vaatab pakkumisi laiemalt ning ei j\u00e4\u00e4 kinni kodupanga v\u00f5imaluste juurde,\u201c \u00fctles Luminor Eesti jaepanganduse valdkonnajuht. \u201eLaenutaotlust tehes on alati m\u00f5istlik v\u00f5rrelda krediidi kulukuse m\u00e4\u00e4ra, lepingutasusid, v\u00f5imalikke lisakulusid ja samuti enneaegse tagastamise paindlikkust, et leida endale k\u00f5ige sobivam lahendus.\u201c<\/p>\n","protected":false},"excerpt":{"rendered":"Luminor Eesti jaepanganduse valdkonnajuhi Marek-Meelis Puusti s\u00f5nul on v\u00e4ikelaen suurema osa eestlaste jaoks praktiline, mitte impulsiivne otsus. \u201e65%&hellip;\n","protected":false},"author":2,"featured_media":29766,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[131,130,37,33,35,34,36,15226,2699,438],"class_list":{"0":"post-29765","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ari","8":"tag-ari","9":"tag-business","10":"tag-ee","11":"tag-eesti","12":"tag-eesti-keel","13":"tag-estonia","14":"tag-estonian","15":"tag-kulud","16":"tag-laen","17":"tag-luminor"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115453490844151228","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/29765","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=29765"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/29765\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/29766"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=29765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=29765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=29765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}