{"id":83352,"date":"2026-01-12T11:33:07","date_gmt":"2026-01-12T11:33:07","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/83352\/"},"modified":"2026-01-12T11:33:07","modified_gmt":"2026-01-12T11:33:07","slug":"talvised-kuttearved-panevad-eesti-inimeste-rahakoti-tosiselt-proovile-enim-on-raskustes-noored","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/83352\/","title":{"rendered":"Talvised k\u00fcttearved panevad Eesti inimeste rahakoti t\u00f5siselt proovile. Enim on raskustes noored"},"content":{"rendered":"<p>Luminori tellitud ja Norstati l\u00e4biviidud uuringu j\u00e4rgi p\u00f5hjustab k\u00fcttearvete \u00f5igeaegne tasumine rahalisi raskusi 37% eestlastele, kusjuures <a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.delfi.ee\/teema\/38727953\/ida-virumaa\" tag-id=\"38727953\">Ida-Virumaal<\/a> tunnetab arvete tasumisel rahalisi raskuseid ligi kaks kolmandikku inimestest.<\/p>\n<p>Uuringust selgus, et igakuiste kommunaal- ja k\u00fcttearvete tasumine p\u00f5hjustab pidevalt rahalisi raskusi 18% vastanute jaoks. Samas m\u00e4rkis 19% inimestest, et probleeme esineb eelk\u00f5ige talveperioodil, mil k\u00fcttekulud on suuremad. Samas 62% vastanutest s\u00f5nas, et neile mistahes aastaajal \u00f5igeaegne arvete tasumine muret ei tekita.<\/p>\n<p>Raskesti prognoositav v\u00e4ljaminek<\/p>\n<p>\u201eTalvised k\u00fcttearved on paljude leibkondade jaoks suur ja ka raskesti prognoositav v\u00e4ljaminek. Kui sissetulekud on piiratud ja kodu energiat\u00f5husus madal, v\u00f5ibki just talveperiood finantsseisu proovile panna,\u201c s\u00f5nas Luminori jaepanganduse valdkonnajuht Marek-Meelis Puust.<\/p>\n<p>Eksperdi s\u00f5nul ei ole arvete \u00f5igeaegne tasumine oluline \u00fcksnes igap\u00e4evaseks toimetulekuks, vaid ka laiema finantsdistsipliini m\u00f5ttes. \u201ePankade jaoks on regulaarsete arvete maksmine \u00fcks selgemaid m\u00e4rke inimese maksek\u00e4itumisest. Kui n\u00e4eme, et kohustused on j\u00e4rjepidevalt ja \u00f5igeaegselt t\u00e4idetud, parandab see m\u00e4rkimisv\u00e4\u00e4rselt ka v\u00f5imalusi saada tulevikus laenu parematel tingimustel,\u201c \u00fctles Puust.<\/p>\n<p>Vanuseliselt tunnistavad enim raskust noored. Uuringu kohaselt m\u00e4rkis koguni 45% noortest, et talvisel ajal esineb neil probleeme arvete \u00f5igeaegse tasumisega. \u201eNooremas eas on sissetulekud sageli ebastabiilsemad ja s\u00e4\u00e4stupuhver v\u00e4iksem, mist\u00f5ttu reageeritakse hinnat\u00f5usule ja hooajalistele kuludele valusamalt,\u201c m\u00e4rkis ta.<\/p>\n<p>Maakondlikus vaates on erinevused aga eriti teravad. Kui Tartumaal tunnistas vaid 23% vastanutest, et talveperioodil tekitab \u00f5igeaegne arvete tasumine neile rahalisi raskusi, siis Ida-Virumaal on sama osakaal koguni 67%. \u201eIda-Virumaa olukord on mitmes m\u00f5ttes keeruline. Sealne kinnisvara on \u00fcleriiklikust keskmisest vanem ja energiat\u00f5husus madalam, mis t\u00e4hendab k\u00f5rgemaid k\u00fcttearveid. Samal ajal j\u00e4\u00e4b piirkonna mediaanpalk ligi viiendiku v\u00f5rra alla <a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.delfi.ee\/teema\/31122441\/eesti\" tag-id=\"31122441\">Eesti<\/a> keskmisele,\u201c selgitas Puust.<\/p>\n<p>Mida rohkem lapsi, seda keerulisem<\/p>\n<p>Uuring kinnitas ka, et mida rohkem lapsi on peres, seda suurema t\u00f5en\u00e4osusega tekitab arvete tasumine rahalisi raskusi.<\/p>\n<p>\u00dchtlasi on arvete \u00f5igeaegsel tasumisel ka selge seos sissetulekuga: kui kuni 1000-eurose netosissetulekuga inimestest m\u00e4rkis pool vastanutest, et neile p\u00f5hjustab k\u00fctteperioodil \u00f5igeaegne arvete tasumine probleeme, siis 2000 eurot kuus teenivatest tunnistas seda vaid viiendik. \u00dcle 3000-eurose netosissetulekuga vastanute s\u00f5nul neile \u00f5igeaegne arvete tasumine rahalist keerukust ei tekita.<\/p>\n<p>\u201eK\u00fcttekulude suurus v\u00f5ib olla ettearvamatu, mist\u00f5ttu tasub v\u00f5imaluse korral koguda talveperioodiks nende maksmiseks eraldi puhver. Juba kodu ostes tasub l\u00e4bi m\u00f5elda, millises suurusj\u00e4rgus v\u00f5ivad olla kommunaalkulud, ning hinnata, kas nendega tullakse igakuiselt toime. Energiat\u00f5husamad kodud n\u00f5uavad k\u00fcll \u00fcldjuhul suuremat alginvesteeringut, kuid tasuvad pikemas perspektiivis \u00e4ra,\u201c lisas Puust.<\/p>\n<p>Kuidas see lugu Sind end tundma pani? Saada <a href=\"https:\/\/arileht.delfi.ee\/artikkel\/120428777\/talvised-kuttearved-panevad-eesti-inimeste-rahakoti-tosiselt-proovile-enim-on-raskustes-noored\/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\/120428777\/talvised-kuttearved-panevad-eesti-inimeste-rahakoti-tosiselt-proovile-enim-on-raskustes-noored\/kommentaarid\" class=\"article-body-bottom__comment article-body-bottom__comment--read button button--size-auto\" rel=\"nofollow noopener\" target=\"_blank\"> Loe kommentaare (10)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Luminori tellitud ja Norstati l\u00e4biviidud uuringu j\u00e4rgi p\u00f5hjustab k\u00fcttearvete \u00f5igeaegne tasumine rahalisi raskusi 37% eestlastele, kusjuures Ida-Virumaal tunnetab&hellip;\n","protected":false},"author":2,"featured_media":83353,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[26,27,37,33,35,34,36,31,32,21,2522,41441,28,29,19,25,23,24,22,20,30],"class_list":{"0":"post-83352","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-ida-virumaa","19":"tag-kuttearved","20":"tag-latest-news","21":"tag-latestnews","22":"tag-news","23":"tag-populaarseimad-lood","24":"tag-top-stories","25":"tag-topstories","26":"tag-uldised-uudised","27":"tag-uudised","28":"tag-viimased-uudised"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115881915446081013","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/83352","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=83352"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/83352\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/83353"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=83352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=83352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=83352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}