Luminori kodulaenude valdkonnajuhi Helina Kikase s\u00f5nul v\u00f5ib juba 80-eurose lapsetoetuse arvestamine suurendada taotleja maksimaalset laenuv\u00f5imet m\u00e4rkimisv\u00e4\u00e4rselt. \u00abKuigi igakuine lapsetoetus v\u00f5ib suure kodulaenu kontekstis tunduda v\u00e4ike summa, m\u00e4ngib iga regulaarne sissetulek laenuv\u00f5imekuse arvutamisel olulist rolli ning see tuleks taotluses kindlasti \u00e4ra m\u00e4rkida. V\u00f5imalik, et just see saab m\u00e4\u00e4ravaks, kas j\u00f5utakse unistuste koju v\u00f5i tuleb leppida tagasihoidlikuma valikuga,\u00bb \u00fctles Kikas.<\/p>\n
Ta t\u00f5i n\u00e4iteks, et 2000-eurose netosissetulekuga laenuv\u00f5tjal on ilma lapsetoetuseta v\u00f5imalik saada kodulaenu maksimaalselt umbes 166 000 eurot. \u00dche lapse 80-eurone toetus t\u00f5stab selle summa 173 000 euroni, mis t\u00e4hendab 7000-eurost vahet. Kahe lapse puhul ulatub v\u00f5imalik laenusumma juba 180 000 euroni ja vahe on lausa 14 000 eurot.<\/p>\n
Peretoetused on osa pere igakuisest eelarvest<\/p>\n
Uue kodu otsingud algavad sageli siis, kui perre on s\u00fcndimas v\u00f5i \u00e4sja s\u00fcndinud laps ning tekib vajadus ruumikama elukoha j\u00e4rele. Kikase s\u00f5nul tahetakse eriti just vanemapuhkusel olles teada, milliseid toetusi ja h\u00fcvitisi pank p\u00fcsituluna arvesse v\u00f5tab.<\/p>\n
\u00abVanemah\u00fcvitis on arvestatav tulu, kui lapsevanemal on kehtiv t\u00f6\u00f6suhe. K\u00e4sitame lapsetoetusi pere igap\u00e4evase eelarve osana \u2013 need on riiklikult tagatud regulaarne sissetulek, mist\u00f5ttu v\u00f5tame neid laenuv\u00f5imekuse hindamisel arvesse,\u00bb selgitas Luminori kodulaenude valdkonnajuht.<\/p>\n
Laenuotsus p\u00f5hineb tervikpildil<\/p>\n
Lisaks sissetulekutele vaatab pank ka pere igakuiseid kulusid \u2013 liisinguid, p\u00fcsitellimusi, kehtivaid laene ja muid regulaarselt korduvaid makseid. Samuti hinnatakse, kui palju j\u00e4\u00e4b p\u00e4rast igakuiste kohustuste tasumist raha \u00fcle toidu, vaba aja veetmise, aga ka muude kulude jaoks. P\u00e4rast tervikpildi anal\u00fc\u00fcsimist kujunebki eeldatav maksimaalne laenusumma, mida saab koduotsingul suuniseks v\u00f5tta.<\/p>\n
\u00abLaenukalkulaator on igati hea esmane abimees, kuid t\u00e4pse pildi annab konsultatsioon laenuhalduriga. Sageli selguvad pere v\u00f5imalused just arutelu k\u00e4igus.\u00bb<\/p>\n","protected":false},"excerpt":{"rendered":"Luminori kodulaenude valdkonnajuhi Helina Kikase s\u00f5nul v\u00f5ib juba 80-eurose lapsetoetuse arvestamine suurendada taotleja maksimaalset laenuv\u00f5imet m\u00e4rkimisv\u00e4\u00e4rselt. \u00abKuigi igakuine…\n","protected":false},"author":2,"featured_media":46385,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80],"tags":[26,27,37,33,35,34,36,31,32,21,23138,1431,23136,23139,28,29,438,95,23137,19,11298,25,23,24,22,20,30,92,93,94],"class_list":{"0":"post-46384","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-maailm","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-helina-kikas","19":"tag-kodulaen","20":"tag-laenuvoime","21":"tag-lapsetoetus","22":"tag-latest-news","23":"tag-latestnews","24":"tag-luminor","25":"tag-maailm","26":"tag-netosissetulek","27":"tag-news","28":"tag-peretoetused","29":"tag-populaarseimad-lood","30":"tag-top-stories","31":"tag-topstories","32":"tag-uldised-uudised","33":"tag-uudised","34":"tag-viimased-uudised","35":"tag-world","36":"tag-world-news","37":"tag-worldnews"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115578167823694981","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/46384","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=46384"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/46384\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/46385"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=46384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=46384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=46384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}