{"id":1428,"date":"2023-08-07T13:00:04","date_gmt":"2023-08-07T11:00:04","guid":{"rendered":"https:\/\/regbu.com\/?p=1428"},"modified":"2025-09-05T07:40:17","modified_gmt":"2025-09-05T05:40:17","slug":"urokove-sazby-ktere-musite-znat","status":"publish","type":"post","link":"https:\/\/regbu.com\/et\/intressimaarad-mida-sa-pead-teadma\/","title":{"rendered":"Intressim\u00e4\u00e4rad, mida peate teadma"},"content":{"rendered":"<p>Intressim\u00e4\u00e4rad on m\u00f5iste, mis on tihedalt seotud\u00a0<strong><a href=\"https:\/\/regbu.com\/et\/refinantseerimine-vs-konsolideerimislaenud\/\">refinantseerimisega<\/a><\/strong>, laenud ja igasugused laenud. Numbriline v\u00e4\u00e4rtus, mis \u00fctleb, kui palju raha te l\u00f5puks \u00fcle maksate. Kui te laenate raha, siis maksate lisaks p\u00f5hisummale ka intressi. See on laenuandjale makstav tasu. Intress on seotud paljude finantstoodetega.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Laenud<\/li>\n\n\n\n<li>H\u00fcpoteegid<\/li>\n\n\n\n<li>S\u00e4\u00e4stud<\/li>\n<\/ul>\n\n\n\n<p>\u00dcksikud intressim\u00e4\u00e4rad on esitatud protsentides. Need on tavaliselt <strong>protsent p\u00f5hisummast<\/strong>. Paljudel juhtudel puutute siis kokku huvipakkuvate l\u00fchenditega. Sellised terminid v\u00f5ivad v\u00f5tta erinevaid vorme ja t\u00e4hendada l\u00f5puks alati midagi muud.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Intressim\u00e4\u00e4ra m\u00e4\u00e4ramine<\/h2>\n\n\n\n<p>Kui loete mis tahes laenu tingimusi, \u00e4rge vaadake ainult numbrit ennast. Oluline on ka teave protsendi taga. Kui soovid teada iga intressim\u00e4\u00e4ra l\u00fchendeid, loe allolevat tabelit.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Otsetee<\/strong><\/td><td><strong>Teave<\/strong><\/td><\/tr><tr><td>p.a.<\/td><td>Aastane intress<\/td><\/tr><tr><td>p.s.<\/td><td>Poolaastane intressim\u00e4\u00e4r<\/td><\/tr><tr><td>p.q.<\/td><td>Kvartaalne intress<\/td><\/tr><tr><td>p.m.<\/td><td>Igakuine intressim\u00e4\u00e4r<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Intressim\u00e4\u00e4ra m\u00e4rgised ja nende t\u00e4hendus.<\/figcaption><\/figure>\n\n\n\n<p>Loomulikult ei ole erandiks ka l\u00fchend p.d., mis kujutab endast fraasi per diem. Nagu ilmselt k\u00f5ik selle artikli lugejad \u00f5igesti arvavad, <em>see on p\u00e4evane intressim\u00e4\u00e4r<\/em>. Enne laenulepingu s\u00f5lmimist veenduge, et arvutate intressim\u00e4\u00e4ra \u00f5igesti, sest erinevused v\u00f5ivad olla m\u00e4rkimisv\u00e4\u00e4rsed.<\/p>\n\n\n\n<p>Intressim\u00e4\u00e4ra 3 % aastas juures maksate tegelikult ainult 3 % aastas \u00fcle. Kui aga lepingus on m\u00e4rgitud intressim\u00e4\u00e4raks 3 % aastas, t\u00e4hendab see, et tegemist on poolaasta intressim\u00e4\u00e4raga. Seega maksate te aastas 6 % \u00fcle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Milline intressim\u00e4\u00e4r on k\u00f5ige olulisem?<\/h3>\n\n\n\n<p>Et see ei oleks liiga lihtne, v\u00f5ite kohata mitut liiki intressim\u00e4\u00e4rasid. Siiski ei tohiks klassikaline intressim\u00e4\u00e4r olla teie l\u00e4htepunktiks. Pange p\u00f5hir\u00f5hk intressile, mis peidab endas k\u00f5iki sellega seotud makseid, ja te n\u00e4ete kohe, kus te seisate. Aastane tegelik intressim\u00e4\u00e4r on just see. <strong>l\u00fchendatult APR<\/strong>. V\u00e4\u00e4rtus ise kujutab endast intresside, aga ka muude tasude kombinatsiooni aastas. Need on tavaliselt kontohooldustasud jne. \u00d5ppige intressim\u00e4\u00e4rasid lugema ja v\u00e4ltige tulevikus ebameeldivusi.<\/p>","protected":false},"excerpt":{"rendered":"<p>Intressim\u00e4\u00e4rad on m\u00f5iste, mis on tihedalt seotud refinantseerimise, laenude ja mis tahes liiki krediidiga. Numbriline v\u00e4\u00e4rtus, mis \u00fctleb teile, kui palju raha te l\u00f5puks \u00fcle maksate. Kui te laenate raha, siis maksate lisaks p\u00f5hisummale ka intressi. See on laenuandjale makstav tasu. Intress on seotud paljude finantstoodetega. Individuaalsed intressim\u00e4\u00e4rad on antud ... <\/p>","protected":false},"author":2,"featured_media":1429,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[626,1750,1752,1751,618,1728,1747,1748,613,1727,1749,1746],"class_list":["post-1428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypoteky","tag-p-a","tag-p-d","tag-p-m","tag-pujcky","tag-rpsn","tag-sazba","tag-sazby","tag-sporeni","tag-urok","tag-urokova-sazba","tag-urokove-sazby"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Poznejte \u00farokov\u00e9 sazby do detailu. 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