Uue s\u00fcsteemi j\u00e4rgi kehtib \u00fchtne 700-eurone maksuvaba tulu kuus ehk 8400 eurot aastas. Isegi kui brutopalk ei muutu, saavad inimesed igakuiselt rohkem raha k\u00e4tte. \u00abKui netosissetulek kasvab, kajastub see ka laenuv\u00f5imekuses. Kodulaenu puhul paneb just netopalk paika p\u00f5hilised piirid,\u00bb \u00fctles P\u00e4rgma. Tema s\u00f5nul annab suurem netopalk v\u00f5imaluse julgemalt kinnisvaraturul ringi vaadata.<\/p>\n
Kodulaenu suurus s\u00f5ltub mitmest tegurist<\/p>\n
See, kui palju on v\u00f5imalik kodu ostuks laenu saada, s\u00f5ltub kliendi sissetulekust, senisest finantsk\u00e4itumisest ja olemasolevatest kohustustest. Pank hindab neid tegureid koosm\u00f5jus, et anda realistlik hinnang inimese v\u00f5imele laenu kogu perioodi v\u00e4ltel vastavalt kokkulepitule tagasi maksta.<\/p>\n
Lisaks sissetulekule m\u00f5jutavad laenusummat taotlejate arv, \u00fclalpeetavad ning muud rahalised kohustused. \u00abIgakuised laenukohustused v\u00f5ivad moodustada maksimaalselt poole inimese sissetulekust, kuid paljude jaoks on turvalisem hoida laenukoormus pigem madalamal tasemel. Praktikas n\u00e4eme oma klientide p\u00f5hjal, et pea kolmveerand laenuv\u00f5tjatest hoiab laenumakse vahemikus 20\u201340 protsenti oma sissetulekust,\u00bb \u00fctles P\u00e4rgma.<\/p>\n
Keskmise palgaga kuni 10 000 eurot rohkem kodulaenu<\/p>\n
\u00abEesti keskmise palga ehk ligikaudu 2100-eurose brutotulu juures on maksuk\u00fc\u00fcru kadumisest tulenev netosissetuleku kasv juba selgelt tuntav. Keskmist palka ja sellest enam teeniv inimene saab n\u00fc\u00fcd palgap\u00e4eval k\u00e4tte \u00fcmmarguselt 150 eurot rohkem kui varem. Kui eelmisel aastal laekus pangakontole ligi 1580 eurot, siis t\u00e4navu on see summa umbes 1730 eurot,\u00bb selgitas ta.<\/p>\n
Suurem netosissetulek suurendab ka maksimaalset laenusummat. N\u00e4iteks kui keskmise palgaga ja ilma \u00fclalpeetavateta taotleja maksimaalne kodulaenusumma oli mullu ligikaudu 104 000 eurot, siis t\u00e4navu on see t\u00f5usnud umbes 114 000 euroni.<\/p>\n","protected":false},"excerpt":{"rendered":"Uue s\u00fcsteemi j\u00e4rgi kehtib \u00fchtne 700-eurone maksuvaba tulu kuus ehk 8400 eurot aastas. Isegi kui brutopalk ei muutu,…\n","protected":false},"author":2,"featured_media":98706,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[26,27,37,33,35,34,36,31,32,21,30774,1431,47657,47658,11300,28,29,47654,47656,47659,47655,19,47660,25,23,24,22,20,30],"class_list":{"0":"post-98705","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-kodu-ostmine","19":"tag-kodulaen","20":"tag-kodulaenu-tingimused","21":"tag-laenu-igakuine-makse","22":"tag-laenuvoimekus","23":"tag-latest-news","24":"tag-latestnews","25":"tag-maksukuuru-kadumine","26":"tag-maksuvaba-tulu-700-eurot","27":"tag-netopalk-ja-laenusumma","28":"tag-netosissetuleku-kasv","29":"tag-news","30":"tag-omafinantseering","31":"tag-populaarseimad-lood","32":"tag-top-stories","33":"tag-topstories","34":"tag-uldised-uudised","35":"tag-uudised","36":"tag-viimased-uudised"},"share_on_mastodon":{"url":"","error":"Validation failed: Text character limit of 500 exceeded"},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/98705","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=98705"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/98705\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/98706"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=98705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=98705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=98705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}