{"id":38401,"date":"2025-11-09T12:03:21","date_gmt":"2025-11-09T12:03:21","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/38401\/"},"modified":"2025-11-09T12:03:21","modified_gmt":"2025-11-09T12:03:21","slug":"kui-juhtub-poordumatu-%e2%9f%a9-mis-saab-lahkunu-kontodest-ja-kohustustest","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/38401\/","title":{"rendered":"KUI JUHTUB P\u00d6\u00d6RDUMATU \u27e9 Mis saab lahkunu kontodest ja kohustustest?"},"content":{"rendered":"<p>On oluline teada, et matusetoetus makstakse v\u00e4lja tagantj\u00e4rele. Selleks tuleb pangale esitada surmat\u00f5end ja dokumendid, mis t\u00f5endavad tehtud kulutusi. Avaldus tuleb esitada 30 p\u00e4eva jooksul p\u00e4rast surma. Kui see aeg on m\u00f6\u00f6dunud, saab matusekulude katmiseks raha kontolt vaid p\u00e4rija v\u00f5i p\u00e4rijate n\u00f5usolekul.<\/p>\n<ul>\n<li>Kuidas k\u00e4ib surnud inimese raha ja kohustuste p\u00e4rimine?<\/li>\n<\/ul>\n<p>P\u00e4rimistoimingute tegemiseks tuleb alati p\u00f6\u00f6rduda notari poole.<\/p>\n<p>\u00abKui oled notarilt saanud p\u00e4rimis\u00f5igust t\u00f5endavad dokumendid, tuleb need j\u00e4rgmise sammuna edastada panka, vajaduse korral v\u00f5ib seda teha ka notar ise. Kuna pangal on oluline tuvastada k\u00f5ik p\u00e4rijad, siis juhul, kui p\u00e4rimine toimub digitaalselt, peavad k\u00f5ik p\u00e4rijad samas pangas oma isikusamasuse kinnitama v\u00f5i f\u00fc\u00fcsiliselt tulema koos pangakontorisse,\u00bb s\u00f5nas Goro\u0161ko. Kui see ei ole v\u00f5imalik, tuleb p\u00e4rijatel esitada pangale notariaalselt t\u00f5estatud volikiri, mis m\u00e4\u00e4rab esindaja p\u00e4rimistoimingutes.<\/p>\n<p>Kui lahkunul oli panga ees kohustusi, m\u00f5ni kodulaen v\u00f5i liising, ja p\u00e4rijad soovivad need \u00fcle v\u00f5tta, tuleb selles pangaga kokku leppida. \u00abP\u00e4rijatel on v\u00f5imalus otsustada, kas nad v\u00f5tavad lahkunu kohustused \u00fcle sellisena nagu need on, v\u00f5i tasuvad kohustused enne t\u00e4htaega tagasi,\u00bb lausus Goro\u0161ko.<\/p>\n<p>P\u00e4rijatel on \u00f5igus peale lahkunu pangakontol oleva raha ka tema vabatahtlikesse pensionisammastesse kogutud rahale. Selle saab k\u00e4tte kas rahasummana (sel juhul tuleb arvestada tulumaksu tasumisega) v\u00f5i pensionifondi osakutena, mis kantakse p\u00e4rija enda kontole samas fondis. \u00abNii II kui ka III samba kogumisi k\u00e4sitatakse inimese isikliku varana ning nende p\u00e4rimine toimub samade reeglite j\u00e4rgi nagu teistegi investeeringute puhul,\u00bb selgitas Goro\u0161ko.<\/p>\n<p>L\u00e4hedase kaotus on alati emotsionaalselt ja vaimselt raske. Leina k\u00f5rvale tekib paratamatult hulk praktilisi k\u00fcsimusi, mis on vaja lahendada. \u00abKui vajalikud sammud on teada, on ka l\u00e4hedasel lihtsam sellises keerulises olukorras hakkama saada,\u00bb s\u00f5nas Goro\u0161ko.<\/p>\n<p>Kuidas toimida, kui l\u00e4hedane on lahkunud:<\/p>\n<ol>\n<li>Teavita panka inimese surmast esimesel v\u00f5imalusel (v\u00f5id saata e-kirja v\u00f5i helistada).<\/li>\n<li>Seej\u00e4rel kogu vajalikud dokumendid: surmat\u00f5end, vajaduse korral ka matusekulude t\u00f5endid. Notarilt saadud p\u00e4rimistunnistus tuleb esitada panka.<\/li>\n<li>Kui on vajadus matusetoetuse j\u00e4rele, saab selle esitada 30 p\u00e4eva jooksul p\u00e4rast surma.<\/li>\n<li>P\u00e4rimisasjade korraldamiseks p\u00f6\u00f6rdu notari poole.<\/li>\n<li>Aruta pangaga l\u00e4bi, kuidas lahendada olemasolevad kohustused ja laenud.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"On oluline teada, et matusetoetus makstakse v\u00e4lja tagantj\u00e4rele. Selleks tuleb pangale esitada surmat\u00f5end ja dokumendid, mis t\u00f5endavad tehtud&hellip;\n","protected":false},"author":2,"featured_media":38402,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[26,27,37,33,35,34,36,31,32,21,19490,19492,28,29,19,19491,25,5499,23,24,22,20,30],"class_list":{"0":"post-38401","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-lahedased","19":"tag-lahkunu-vara","20":"tag-latest-news","21":"tag-latestnews","22":"tag-news","23":"tag-pangakontod","24":"tag-populaarseimad-lood","25":"tag-surm","26":"tag-top-stories","27":"tag-topstories","28":"tag-uldised-uudised","29":"tag-uudised","30":"tag-viimased-uudised"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115519645485769924","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/38401","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=38401"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/38401\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/38402"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=38401"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=38401"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=38401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}