{"id":78060,"date":"2026-01-05T03:41:17","date_gmt":"2026-01-05T03:41:17","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/78060\/"},"modified":"2026-01-05T03:41:17","modified_gmt":"2026-01-05T03:41:17","slug":"puhade-rahaline-pohmell-kumned-tuhanded-votsid-kingitusteks-ja-soomiseks-volgu-voi-poletasid-saaste","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/78060\/","title":{"rendered":"P\u00fchade rahaline pohmell: k\u00fcmned tuhanded v\u00f5tsid kingitusteks ja s\u00f6\u00f6miseks v\u00f5lgu v\u00f5i p\u00f5letasid s\u00e4\u00e4ste"},"content":{"rendered":"<p>Kui 70% eestlastest sai p\u00fchadekulutustega hakkama oma tavap\u00e4rase kuupalga piires, siis \u00fclej\u00e4\u00e4nud pidid leidma lisaraha. Luminori ja Norstati uuringust selgub, et ligi veerand elanikkonnast pidi p\u00fchadelaua ja kingituste nimel minema oma s\u00e4\u00e4stude kallale v\u00f5i kasutama laenuraha.<\/p>\n<p>Eriti murettekitav on see nende 15% inimeste jaoks, kes kasutasid kulutuste katmiseks <a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.delfi.ee\/teema\/56857546\/krediitkaart\" tag-id=\"56857546\">krediitkaarti<\/a>, tarbimislaenu v\u00f5i oma mustadeks p\u00e4evadeks m\u00f5eldud meelerahufondi. Luminori jaepanganduse juhi Marek-Meelis Puusti s\u00f5nul t\u00e4hendab see neile inimestele n\u00fc\u00fcd keerulist aasta algust. \u201eTegelik planeerimine algab nende jaoks alles n\u00fc\u00fcd \u2013 l\u00e4bi tuleb m\u00f5elda, kuidas laenatud summa tagasi maksta v\u00f5i s\u00e4\u00e4stupuhver uuesti 3\u20136 kuu kulude ulatuses \u00fcles ehitada,\u201c nentis Puust.<\/p>\n<p>V\u00e4iksem palk sunnib s\u00e4\u00e4ste s\u00f6\u00f6ma<\/p>\n<p>Uuring toob esile sissetulekute ebav\u00f5rdsuse m\u00f5ju p\u00fchade t\u00e4histamisele. Kui \u00fcle 2000-eurost netopalka teenivatest inimestest pidi lisaraha otsima vaid 11%, siis madalama sissetulekuga inimeste olukord on m\u00e4rksa nutusem. Kuni 1000 eurot k\u00e4tte teenivatest inimestest tunnistas lausa 44%, et p\u00fchadekulud ei mahtunud nende igakuisesse eelarvesse.<\/p>\n<p>Noored laenavad vanematelt<\/p>\n<p>Uuringust joonistus v\u00e4lja ka p\u00f5lvkondade vaheline erinevus. Kui \u00fcldiselt laenasid perelt v\u00f5i s\u00f5pradelt raha vaid v\u00e4hesed (umbes 2%), siis noorte (18\u201329-aastaste) seas oli see number kolm korda suurem &#8211; 6%.<\/p>\n<p>Samas leidub ka neid, kes kulutuste p\u00e4rast muretsema ei pea, sest nad lihtsalt ei t\u00e4hista p\u00fchi. Uuringus osalenutest 11% m\u00e4rkis, et p\u00fchadeperiood j\u00e4tab neid k\u00fclmaks. Eristus joonistus v\u00e4lja ka sugude l\u00f5ikes: kui naistest ei t\u00e4hista p\u00fchi 9%, siis meeste seas on p\u00fchade eirajaid tunduvalt rohkem &#8211; 14%.<\/p>\n<p>Kuidas see lugu Sind end tundma pani? Saada <a href=\"https:\/\/arileht.delfi.ee\/artikkel\/120427276\/puhade-rahaline-pohmell-kumned-tuhanded-votsid-kingitusteks-ja-soomiseks-volgu-voi-poletasid-saaste\/kommentaarid\" class=\"article-body-bottom__comment article-body-bottom__comment--write button button--primary button--size-auto\" rel=\"nofollow noopener\" target=\"_blank\"> Kommenteeri <\/a><a href=\"https:\/\/arileht.delfi.ee\/artikkel\/120427276\/puhade-rahaline-pohmell-kumned-tuhanded-votsid-kingitusteks-ja-soomiseks-volgu-voi-poletasid-saaste\/kommentaarid\" class=\"article-body-bottom__comment article-body-bottom__comment--read button button--size-auto\" rel=\"nofollow noopener\" target=\"_blank\"> Loe kommentaare (114)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Kui 70% eestlastest sai p\u00fchadekulutustega hakkama oma tavap\u00e4rase kuupalga piires, siis \u00fclej\u00e4\u00e4nud pidid leidma lisaraha. Luminori ja Norstati&hellip;\n","protected":false},"author":2,"featured_media":78061,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[26,27,37,33,35,34,36,31,32,21,24332,28,29,672,19,25,3754,23,24,22,20,30],"class_list":{"0":"post-78060","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uldised-uudised","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-krediitkaart","19":"tag-latest-news","20":"tag-latestnews","21":"tag-majandus","22":"tag-news","23":"tag-populaarseimad-lood","24":"tag-sissetulek","25":"tag-top-stories","26":"tag-topstories","27":"tag-uldised-uudised","28":"tag-uudised","29":"tag-viimased-uudised"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115840423199677532","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/78060","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=78060"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/78060\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/78061"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=78060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=78060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=78060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}