{"id":85986,"date":"2026-01-15T12:41:32","date_gmt":"2026-01-15T12:41:32","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/85986\/"},"modified":"2026-01-15T12:41:32","modified_gmt":"2026-01-15T12:41:32","slug":"nailiselt-vaikesed-jarelmaksud-voivad-vahendada-kodulaenu-saamise-voimalusi","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/85986\/","title":{"rendered":"N\u00e4iliselt v\u00e4ikesed j\u00e4relmaksud v\u00f5ivad v\u00e4hendada kodulaenu saamise v\u00f5imalusi"},"content":{"rendered":"<p>J\u00e4relmaksu v\u00f5ib esmapilgul pidada v\u00e4ikseks kohustuseks, kuid pank vaatab seda sarnaselt tarbimislaenu, liisingu v\u00f5i krediitkaardiga. <a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.delfi.ee\/teema\/64120147\/seb\" tag-id=\"64120147\">SEB<\/a> eraklientide panganduse divisjoni juht Sille Hallang selgitab, et paljude j\u00e4relmaksude olemasolu viidata v\u00e4hesele finantsteadlikkusele ja s\u00e4\u00e4stmisharjumuse puudumisele, mis suurendab kliendi riskitaset ja v\u00f5ib raskendada n\u00e4iteks kodulaenu saamist.<\/p>\n<p class=\"x_MsoNormal\">Kui kliendi netosissetulek on 1500 eurot kuus ning tal on mitmeid j\u00e4relmaksudega seotud kohustusi \u2013 n\u00e4iteks auto j\u00e4relmaks 250 eurot, kodutehnika j\u00e4relmaks 120 eurot ja telefoni j\u00e4relmaks 40 eurot kuus \u2013 moodustavad igakuised kohustused kokku 410 eurot. Sellise koormuse juures ulatub kliendi laenuv\u00f5imekus kodulaenu v\u00f5tmiseks vaid ligikaudu 55 000 euroni 30-aastase perioodi puhul, mis j\u00e4\u00e4b oluliselt alla <a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.delfi.ee\/teema\/31122441\/eesti\" tag-id=\"31122441\">Eesti<\/a> keskmise kodulaenu summa. M\u00f6\u00f6dunud aastal oli SEB keskmine kodulaen ligi 140 000 eurot.<\/p>\n<p class=\"x_MsoNormal\">Kui samal kliendil puuduksid eelpool mainitud j\u00e4relmaksud, oleks tema laenuv\u00f5imekus oluliselt suurem. Netosissetuleku 1500 eurot kuus juures v\u00f5iks klient sellisel juhul saada kodulaenu ligikaudu 120 000 euro ulatuses 30-aastaseks perioodiks. See t\u00e4hendab, et pelgalt j\u00e4relmaksude olemasolu v\u00f5ib v\u00e4hendada kodulaenu suurust enam kui poole v\u00f5rra, mist\u00f5ttu on kohustuste m\u00f5ju laenuv\u00f5imekusele m\u00e4rkimisv\u00e4\u00e4rne.<\/p>\n<p class=\"x_MsoNormal\">\u201eUue kodulaenu- ja ka teiste finantseerimistoodete taotlemise puhul  on m\u00e4\u00e4rav just see, kui suured on juba v\u00f5etud laenukohustused.  J\u00e4relmaksud ei takista kodulaenu saamist juhul kui k\u00f5ikide kohustuste kogumaksed ei \u00fcleta kuus kokku 40-50% laenuv\u00f5tja netosissetulekust,\u201c nendib Hallang.<\/p>\n<p>Kuidas see lugu Sind end tundma pani? Saada <a href=\"https:\/\/arileht.delfi.ee\/artikkel\/120429349\/nailiselt-vaikesed-jarelmaksud-voivad-vahendada-kodulaenu-saamise-voimalusi\/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\/120429349\/nailiselt-vaikesed-jarelmaksud-voivad-vahendada-kodulaenu-saamise-voimalusi\/kommentaarid\" class=\"article-body-bottom__comment article-body-bottom__comment--read button button--size-auto\" rel=\"nofollow noopener\" target=\"_blank\"> Loe kommentaare (4)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"J\u00e4relmaksu v\u00f5ib esmapilgul pidada v\u00e4ikseks kohustuseks, kuid pank vaatab seda sarnaselt tarbimislaenu, liisingu v\u00f5i krediitkaardiga. SEB eraklientide panganduse&hellip;\n","protected":false},"author":2,"featured_media":85987,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[131,130,37,33,35,34,36,3723,32694,1431,2709],"class_list":{"0":"post-85986","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-intressimaar","16":"tag-jarelmaks","17":"tag-kodulaen","18":"tag-seb"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115899169662828039","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/85986","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=85986"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/85986\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/85987"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=85986"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=85986"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=85986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}