Laenud | Kogu info laenudest

Laenu võtmine peab olema kaalutletud

Laenu võttes, ei peaks vaatama vaid, kes annab kõige suurema summa, vaid pigem mis tingimustel laenu üldse pakutakse. Sealhulgas peaks silmas pidama intressimäära, lepingutingimusi, laenu andva laenupakkuja tausta ning kogemust selles valdkonnas ning muid väiksemaid faktoreid.

Kui enamus laenuportaalid on ehitatud selliselt, et tuua omanikule maksimaalne tulu reklaamilt, või vahendatud klientidelt, oleme me proovinud teha lehekülje, mida julgekisme soovitada ka lähedastele ning tahaksime lugeda ka ise.

Sellepärast on kodulehel olev info kontrollitud ning ühtegi laenupakkujat me oma lehele ainult sellepärst ei pane, et nad meile selle eest maksavad või pakuvad vahendustulu.

Laenu võtmine on aastate jooksul muutunud üha tavalisemaks ning informatsiooni laenude kohta leiab internetist mitmetest kohtadest. Sellepärast oleme proovinud teha natukene teistmoodi kui teised ning anda teile detailsed ülevaated erinevatest teemadest, mida iga laenuvõtja peaks teadma.

Võttes laenu, peaksite arvestama, et tegu on pikemaajalise finantskohustusega ning seetõttu ei tohiks laenu puudutavaid otsuseid teha kiiruga, või vajutades esimesele teenusepakkuja reklaamile.


Laenuvõtmisele eelnev analüüs

Kuna tihtipeale, ületavad laenatavad summad laenuvõtja mitmekordset kuupalka on see väärt tegemaks korraliku kodutöö ning lugemaks, milline laen teile täpselt sobib, kui seda üldse vaja on.


Kontrolli laenuandja tausta!

Kuigi, võib olla erandlikke juhuseid, kus laenu antakse tavalisest soodsamatel tingimustel. Näiteks raha laenamine eraisikult, mõnelt tuttavalt või MTÜ'lt. Laenudega tegelevad ettevõtted laenavad raha siiski, et teenida kasumit. Sellest tulenevalt tuleb laenupakkumised, nende lepingutingimused ja muud ümbritsevat tähelepanelikult lugeda.

Õnneks on meil erinevaid võimalusi, kuidas vaadata klientide tagasisidet laenuandjate kohta ning kontrollida, kas tegemist on legitiimse laenupakkujaga.

Parimad laenupakkumised

Kui enamus laenude kohta informatsiooni pakkuvad kodulehed on ehitatud selliselt, et teenida maksimaalne tulu, ehk promoda just neid laenupakkumisi, millelt nad saavad suurima (vahendus)tasu on meie poolt laene võrreldud 100% objektiivselt ning eelkõige lähtudes numbritest.

Laenude valdkond üldiselt, on oma reklaamide poolest eriti Eestis hästi tuntud. Sellest lähtudes oleme andnud endast parima, et tuua teile objektiivselt ning struktureeritult parimad laenupakkumised teie soovitud valdkonnas. Valikutes on nii väiksemaid laenupakkujaid, kui ka laenusektori suurimad ettevõtted.

Mis tähendab "parim laenupakkumine"?

Parima laenupakkumise määrab:

  • Intressimäärad
  • Lepingu pikkuse valik
  • Lepingutingimuste paindlikkus
  • Individuaalsed pakkumised

Mida silmas pidada laenu võttes?

Laenu võtmisel peaks kindlasti silmas pidama eelkõige, kas laenuvõtjana olete suuteline ka nt. mitme aasta plaanis laenu tagasi maksma.

Samuti peaks kindlasti mõtlema, mis peaks juhtuma, kui mingil põhjusel te ei suuda laenu tagasi maksta ning mis on selles lepingu järgi sätestatud tagajärjed mis võivad kaasneda.

Kindlasti ei tohiks joosta esimese laenupakkuja juurde vaid küsida samasorti pakkumist mitmelt laenuandjalt. Tänu tihedale konkurentsile, võib juhtuda, et laenupakkujad hakkavad üksteist üle pakkuma, mis on teile ainult hea.

Millal vältida laenu võtmist?

  • Kui teil puudub pikaajaline sissetulek
  • Kui te teate, et teil võib laenu tagasimaksmisel tekkida raskusi
  • Kui teile pakutakse ebamääraselt kõrge intressiga laenu

Laenates hädaolukorras, tasub siiski jääda realistlikuks, isegi kui teil on praegu võimalus saada laen ning näiteks teate, et varsti ootab ees koondamine, või teil võib tekkida terviserike. Kui, aga muud üle ei jää tasub siiski külma peaga vaadata läbi võimalikult palju erinevaid pakkumisi ning võtta laenu võimalikult väikese riskiga teie tulevikule.

Hädaolukorras raha laenamine

Kiirlaenu tasub võtta vaid viimases hädas

  1. Kui perekond/sõbrad/ tuttavad ei saa aidata
  2. Kui on tõesti hädaolukord
  3. Kui te olete valmis maksma kõrgemat intressimäära

Istutamine saab toimuda nii kevadel kui sügisel

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Kiirlaenupakkumised võrdluses:

Kui te olete kõik variandid läbi kaalunud ning siiski soovite võtta kiirlaenu, oleme teinud teile põhjaliku ülevaate parimatest kiirlaenupakkujatest ning nende poolt pakutavatest teenustest. Võrdle Kiirlaenupakkumisi.

Laenulepingud

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Puutaime ümber kasvav hein on võimalik ära kitkuda, niita või maha tallata. Väikstel puudel konkureerib valgus- ja toitetingimustega lopsakas rohttaimestik. Hooldamisel tasub konkureerivaid rohttaimi niita vikati või rohulõikuriga, kuid tuleb olla ettevaatlik, et puutaimed kahjustada ei saaks

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Erinevate laenutüüpide tingimused

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Laenude liigid:Kiirlaen, kodulaen, autolaen

Laenude tingimused ja laenu võtmine

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Laenude Refinantseerimine

Laenude refinantseerimine on tihti kasulik, kuna saate ühendada kõik oma maksed üheks ja ainsaks laenutooteks.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Laenude refinantseerimise kohta loe lähemalt SIIT.

Millist laenu tasub refinantseerida?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Millised on teised laenutüübid?

Mõned olulisemad laenutüübid:

SMSlaen, kiirlaen, kodulaen, õppelaen

  1. Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
  2. Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Õppelaen

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Kiirlaen

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

SMSlaen (sama)

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Kujundusraie - looduskaitsest lähtuvate eesmärkidega

Kujundusraie lähtub looduskaitse huvist ning pole majandusliku eesmärgiga. Kujundusraiega soovitakse säilitada loodusväärtuseid või nende seisundit parandada. Kujundusraie on üksikute puude raie, lagealade tekitamine, puistu harvendamine või rühmiti raiumine jm.

Kiirlaen või SMSlaen

SMSlaen

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Kiirlaen:

  1. Lorem Ipsum is simply dummy text of the printing and typesetting industry
  2. Lorem Ipsum is simply dummy text of the printing and typesetting industry
  3. Lorem Ipsum is simply dummy text of the printing and typesetting industry

SMSlaen:

  1. Lorem Ipsum is simply dummy text of the printing and typesetting industry
  2. Lorem Ipsum is simply dummy text of the printing and typesetting industry
  3. Lorem Ipsum is simply dummy text of the printing and typesetting industry

Kodulaen:

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  2. Lorem Ipsum is simply dummy text of the printing and typesetting industry
  3. Lorem Ipsum is simply dummy text of the printing and typesetting industry

Kodulaen ehk Eluasemelaen

Lorem Ipsum is simply dummy text of the printing and typesetting industry

Lorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industry

Lorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industry

Lorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industryLorem Ipsum is simply dummy text of the printing and typesetting industry

Laenukindlustus

Kuidas toimib laenukindlustus?

Lorem Ipsum is simply dummy text of the printing and typesetting industry

Lorem Ipsum is simply dummy text of the printing and typesetting industry