{"id":792,"date":"2023-05-14T18:27:15","date_gmt":"2023-05-14T16:27:15","guid":{"rendered":"https:\/\/regbu.com\/?p=792"},"modified":"2025-09-05T07:42:36","modified_gmt":"2025-09-05T05:42:36","slug":"hypotecni-uver-vs-uver-ze-stavebniho-sporeni","status":"publish","type":"post","link":"https:\/\/regbu.com\/et\/hupoteek-krediit-vs-krediit-ehituslahendused\/","title":{"rendered":"H\u00fcpoteeklaen vs. ehituslaen"},"content":{"rendered":"<p>H\u00fcpoteeklaen ja h\u00fcpoteeklaen on kinnisvara soetamisega seotud finantstooted. Korterid, majad ja krundid on huvitavad <a href=\"https:\/\/regbu.com\/et\/investeerimisvoimalused-on-usna-rikkalikud\/\"><strong>investeerimisv\u00f5imalused<\/strong><\/a>. Kui te unistate oma kodu omamisest ja teil ei ole piisavalt raha, siis on p\u00f5him\u00f5tteliselt kolm v\u00f5imalust, mida me j\u00e4rgnevatel ridadel \u00fcksikasjalikumalt arutame.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00fcpoteeklaen<\/li>\n\n\n\n<li>Sildlaenu v\u00f5tmine<\/li>\n\n\n\n<li>Korralik ehitusfondide laen<\/li>\n<\/ul>\n\n\n\n<p>Nende laenutoodete abil saate rahastada rohkem kui ainult kinnisvara ostu. Saadaval on ka palju muid lahendusi, n\u00e4iteks <strong>rekonstrueerimine ja moderniseerimine<\/strong>. Perekonna kodu t\u00e4ielik ehitamine ja abikaasade varaliste suhete lahendamine on omaette peat\u00fckk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">H\u00fcpoteekide k\u00e4ttesaadavus halveneb<\/h2>\n\n\n\n<p>K\u00f5igepealt vaatleme kinnisvara rahastamist veidi \u00fcldisemalt. H\u00fcpoteeklaenude buum on ilmselgelt seotud ajaga. Vaadake lihtsalt eelnevaid aastaid ja kinnisvarahindade arengut, mis on seotud ka intressim\u00e4\u00e4rade ja potentsiaalsete klientide huvi arenguga. N\u00e4iteks v\u00f5ime vaadata T\u0161ehhi Vabariigi varasemate aastatega seotud ajaloolisi andmeid.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aasta<\/strong><\/td><td><strong>Intressim\u00e4\u00e4r<\/strong><\/td><\/tr><tr><td>2005<\/td><td>4,25 %<\/td><\/tr><tr><td>2009<\/td><td>5,56 %<\/td><\/tr><tr><td>2016<\/td><td>2,13 %<\/td><\/tr><tr><td>2022<\/td><td>4,88 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Kuidas on h\u00fcpoteeklaenude intressim\u00e4\u00e4rad T\u0161ehhi Vabariigis viimastel aastatel arenenud?<\/figcaption><\/figure>\n\n\n\n<p>Laenu ehitusfondist tavaliselt <em>konkureerib h\u00fcpoteeklaenuga intressim\u00e4\u00e4ra osas<\/em>. Kindlasti ei saa oodata suuri erinevusi. Need on rohkem seotud toodete endaga. Igal neist on teatud eelised ja puudused.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pangast v\u00f5etud h\u00fcpoteeklaen<\/h3>\n\n\n\n<p>K\u00e4esolevas artiklis keskendume pangandusasutuse antud h\u00fcpoteeklaenule. Loomulikult on turul ka pangav\u00e4liseid ettev\u00f5tteid, mis pakuvad suuremaid summasid. Need on aga tavaliselt seotud k\u00f5rgete intressim\u00e4\u00e4rade ja ebasoodsate tagasimaksetingimustega.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Hoiupankade poolt pakutav hoiulaen on \u00fcks nende portfelli domineerivatest toodetest. <\/p>\n<cite>Barbara S., pangat\u00f6\u00f6taja.<\/cite><\/blockquote>\n\n\n\n<p>K\u00e4esoleva artikli sissejuhatuses mainitud ajutine laen on tihedalt seotud tavalise ehituslaenuga. <strong>Seega kuulub see hoiupankade tootevalikusse.<\/strong>. Aga sellest l\u00e4hemalt j\u00e4rgmistes ridades.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg\" alt=\"\" class=\"wp-image-794\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">H\u00fcpoteeklaenust saadavat raha saab kasutada eelk\u00f5ige perekonna kinnisvara rahastamiseks.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">H\u00fcpoteeklaen ja k\u00f5ik selle kohta<\/h2>\n\n\n\n<p>H\u00fcpoteeklaenu ei ole t\u00f5en\u00e4oliselt vaja \u00fcksikasjalikult tutvustada. Kuid neile, kes on v\u00e4hem tuttavad, on meil l\u00fchike definitsioon. Tegemist on pikaajalise laenuliigiga, mis h\u00f5lmab kinnisvarale seatud h\u00fcpoteeki. Tavaliselt on see kinnisvara, mida rahastatakse, kuid erandiks ei ole ka kolmandate isikute kinnisvara.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kinnisvara v\u00e4\u00e4rtus peab vastama h\u00fcpoteegi summale.<\/li>\n\n\n\n<li>Tagada saab mitut liiki vara<\/li>\n\n\n\n<li>Kolmandate isikute puhul on vaja nende n\u00f5usolekut.<\/li>\n<\/ul>\n\n\n\n<p>Kui keegi teine garanteerib ostetava kinnisvara, <em>teie maksej\u00f5uetusega seotud kohustused l\u00e4hevad \u00fcle talle<\/em>. See t\u00e4hendab, et kui te ei maksa oma h\u00fcpoteeklaenu \u00f5igeaegselt, siis on kolmas isik see, kes v\u00f5ib sattuda raskustesse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">H\u00fcpoteeklaenu eelised<\/h3>\n\n\n\n<p>Keskendume k\u00f5igepealt sellele, millised plussid teid h\u00fcpoteeklaenuga \u00fcllatavad. Selle laenutoote positiivseid omadusi on rohkem kui piisavalt. Kui alustada kohe algusest, siis on see sisuliselt \u00fcks lihtsamaid ja soodsamaid laene, mis sobib igasuguse kinnisvara soetamiseks.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Teema<\/strong><\/td><td><strong>V\u00e4\u00e4rtus<\/strong><\/td><\/tr><tr><td>Investeerimiskinnisvara<\/td><td>Jah<\/td><\/tr><tr><td>\u00c4rikinnisvara<\/td><td>Jah<\/td><\/tr><tr><td>Teie omandis olev vara<\/td><td>Jah<\/td><\/tr><tr><td>Fikseerimise aeg<\/td><td>\u00dcks kuni mitu aastat<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Kas te teate, milleks te saate kasutada h\u00fcpoteeklaenust saadud raha?<\/figcaption><\/figure>\n\n\n\n<p>Seega on h\u00fcpoteeklaen eelk\u00f5ige m\u00f5eldud pere- ja vabaajakinnisvara ostmiseks. \u00c4rikinnisvara soetamiseks tuleks valida veidi muudetud h\u00fcpoteeklaen. Mis puutub fikseerimisperioodi, siis kujutab see endast tagatist fikseeritud intressim\u00e4\u00e4ra n\u00e4ol selle kehtivusaja jooksul. See v\u00f5ib kesta \u00fcks aasta, kolm aastat, viis aastat v\u00f5i kauem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">H\u00fcpoteegi puudused<\/h3>\n\n\n\n<p>See, mis on kasulik \u00fchele, ei pruugi olla kasulik teisele. Seet\u00f5ttu peaksite teadma ka h\u00fcpoteeklaenuga kaasnevaid negatiivseid k\u00fclgi. <strong>N\u00e4iteks tuleb arvestada laenukohustust suhteliselt pikaks ajaks.<\/strong>. Viimane on k\u00f5ige sagedamini kahek\u00fcmne ja kolmek\u00fcmne aasta vanune. Olge valmis, et haldusmenetlus v\u00f5ib olla veidi pikk.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>H\u00fcpoteeklaenu saamiseks peate olema s\u00e4\u00e4stnud vastava summa. See on tavaliselt umbes 20 % kinnisvara v\u00e4\u00e4rtusest.<\/p>\n<cite>Olivia S., pangat\u00f6\u00f6taja.<\/cite><\/blockquote>\n\n\n\n<p>S\u00f5ltuvalt valitud h\u00fcpoteeklaenust peate arvestama ka selle tootega seotud tasusid. Samas tuleb arvestada, et mitte iga kinnisvara ei sobi h\u00fcpoteeklaenu v\u00f5tmiseks.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg\" alt=\"\" class=\"wp-image-795\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-768x432.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Kui olete huvitatud h\u00fcpoteeklaenust, peate minema panka.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Ehitus Hoiulaen<\/h2>\n\n\n\n<p>Ja mis on h\u00fcpoteeklaenu suurim konkurent? See on ehituslaen. Nagu nimigi \u00fctleb, on tegemist ehituslaenuga, millest saate hiljem v\u00f5tta soovitud laenu. Selleks peate aga olema s\u00e4\u00e4stnud sobiva summa raha. Samas peate olema juba m\u00f5nda aega s\u00e4\u00e4stnud.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u00e4\u00e4stuperiood v\u00e4hemalt 2 aastat<\/li>\n\n\n\n<li>S\u00e4\u00e4stetud summa 30-60 %<\/li>\n\n\n\n<li>Sildlaenu v\u00f5tmine<\/li>\n<\/ul>\n\n\n\n<p>See on \u00fcleminekulaen, mida saab saada, kui <em>te ei kvalifitseeru tavalise ehituslaenu saamiseks tingimuste alusel<\/em>. Siiski on sellega seotud ka m\u00f5ned puudused, mida k\u00e4sitletakse j\u00e4rgmistes peat\u00fckkides.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hoonestuslaenu eelised<\/h2>\n\n\n\n<p>Alustame j\u00e4lle positiivsest, mida ehituslaen pakub. M\u00f5nes valdkonnas \u00fcletab see isegi h\u00fcpoteeklaenu. N\u00e4iteks saate v\u00e4iksemate summade puhul v\u00e4ltida kinnisvara tagamist v\u00f5i k\u00e4endaja leidmist. Suuremate summade puhul peate muidugi andma sama tagatise nagu h\u00fcpoteegi puhul.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Teema<\/strong><\/td><td><strong>V\u00e4\u00e4rtus<\/strong><\/td><\/tr><tr><td>Intressim\u00e4\u00e4r<\/td><td>Sama kogu t\u00e4htaja jooksul<\/td><\/tr><tr><td>L\u00f5ppt\u00e4htaeg<\/td><td>Kuni 30 aastat<\/td><\/tr><tr><td>S\u00e4\u00e4stud<\/td><td>Riigiabi ja intressim\u00e4\u00e4rad<\/td><\/tr><tr><td>Alternatiiv<\/td><td>Sildlaenu v\u00f5tmine<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Hoonestuslaenuga kaasneb palju huvitavaid eeliseid ja soodustusi.<\/figcaption><\/figure>\n\n\n\n<p>Samuti tuleks mainida, et h\u00fcpoteeklaenu taotlemisel arvestatakse k\u00f5rvale pandud ja s\u00e4\u00e4stude kaudu v\u00e4\u00e4rtustatud vahendeid. Seega on need kaks toodet m\u00f5nes valdkonnas omavahel seotud.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Miks valida hoopis h\u00fcpoteeklaen?<\/h3>\n\n\n\n<p>Ja n\u00fc\u00fcd negatiivne see pakub <strong>ehituslaenu<\/strong>. \u00dcldiselt on see seotud k\u00f5rgema intressim\u00e4\u00e4raga, mis kehtib kahekordselt ajutise laenu puhul. Selle puhul maksate sisuliselt intressi, kuni t\u00e4idate tavalise laenu tingimused.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Boonuss\u00e4\u00e4stulaenu puhul antakse klientidele v\u00e4iksemaid summasid kui h\u00fcpoteeklaenu puhul. <\/p>\n<cite>Madison L., pangat\u00f6\u00f6taja.<\/cite><\/blockquote>\n\n\n\n<p>Lisaks sellele sunnivad m\u00f5ned hoiupangad teid v\u00f5tma korralikku laenu ehitusfondist, s\u00f5lmides lepingu m\u00f5ne teise fondi toote kohta. Samuti peate arvestama, et tegemist on sihtotstarbelise laenuga, mille puhul peate t\u00f5endama, kuidas olete rahastanud raha.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg\" alt=\"\" class=\"wp-image-796\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-768x435.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Ehituslaenul ja h\u00fcpoteeklaenul on \u00fcks ja sama eesm\u00e4rk, milleks on kodu omamine.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">H\u00fcpoteeklaen v\u00f5i ehituslaen?<\/h2>\n\n\n\n<p>K\u00fcsimus, millele ei saa ilmselt \u00fcheselt vastata. Iga\u00fchel meist on veidi erinevad vajadused kinnisvarainvesteeringute osas. Lisaks on paljudel meist erinev elu- ja finantsolukord. <em>M\u00f5nele sobib h\u00fcpoteeklaen, teistele aga korralik laen ehitusfondist.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">K\u00fcsimused ja vastused<\/h3>\n\n\n\n<p>Kui te ei ole veel kindel, milline laenutoode on teie jaoks sobiv oma kinnisvara rahastamiseks, lugege j\u00e4rgmisi ridu. Korduma kippuvad k\u00fcsimused v\u00f5ivad teile \u00f6elda, mida peate teadma, ja teha teie otsuse lihtsamaks.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684254062915\"><strong class=\"schema-faq-question\">Milleks ma saan kasutada ehituslaenu?<\/strong> <p class=\"schema-faq-answer\">Seda saab kasutada maa ostu, maja ehitamise, kinnisvara ostmise, aga ka rekonstrueerimise v\u00f5i p\u00e4rimismenetluse lahendamiseks.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">Kuidas on ehituslaenu sihtsumma?<\/strong> <p class=\"schema-faq-answer\">Lepingu s\u00f5lmimisel m\u00e4\u00e4rate sihtm\u00e4\u00e4ra. Seej\u00e4rel peate s\u00e4\u00e4stma v\u00e4hemalt 30-50 %. \u00dclej\u00e4\u00e4nud summa laenab teile hoiupank tavalise laenu vormis.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">Kas h\u00fcpoteeklaenuga kaasnevad lisatasud?<\/strong> <p class=\"schema-faq-answer\">Jah, h\u00fcpoteegikorralduse tasu v\u00f5ib olla. Kinnisvara hindamine ei ole erandiks. Samuti n\u00f5uavad pangad, et te v\u00f5taksite maksej\u00f5uetuskindlustuse.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">Kas h\u00fcpoteeklaenu v\u00f5i laenu on v\u00f5imalik varem tagasi maksta?<\/strong> <p class=\"schema-faq-answer\">Jah, teil on see v\u00f5imalus. Kuid h\u00fcpoteeklaenu puhul tasub see tavaliselt fikseerimisperioodi l\u00f5pus \u00e4ra. Vastasel juhul v\u00f5ite maksta lisatrahvi.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Kas neid tooteid saab kasutada ka vanade laenude refinantseerimiseks?<\/strong> <p class=\"schema-faq-answer\">Jah, h\u00fcpoteeklaen ja ehituslaen v\u00f5ivad neid eesm\u00e4rke t\u00e4ita. Kuid algsed laenud peavad olema m\u00f5eldud eluaseme rahastamiseks.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">H\u00fcpoteeklaen ja koduomand<\/h3>\n\n\n\n<p>Olenemata sellest, kas valite h\u00fcpoteeklaenu v\u00f5i ehituslaenu, p\u00fc\u00fcdke mitte noogutada esimese pakkumise peale. Nende teenuste pakkujaid on rohkem kui piisavalt. Seet\u00f5ttu tasub <strong>v\u00f5rrelda \u00fcksikuid tooteid<\/strong> ja valige oma vajadustele k\u00f5ige sobivam ja soodsam. H\u00fcpoteeklaenude maksumus v\u00f5ib varieeruda \u00fcsna palju.<\/p>","protected":false},"excerpt":{"rendered":"<p>H\u00fcpoteeklaen ja h\u00fcpoteeklaen on kinnisvara soetamisega seotud finantstooted. Korterid, majad ja ehitusmaa on huvitavad investeerimisv\u00f5imalused. Kui te unistate oma kodu omamisest ja teil ei ole piisavalt raha, siis on p\u00f5him\u00f5tteliselt kolm v\u00f5imalust, mida k\u00e4sitleme j\u00e4rgmistes ridades l\u00e4hemalt. Nende laenude abil ... <\/p>","protected":false},"author":2,"featured_media":793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[624,625,626,596,633,631,630,627,629,628],"class_list":["post-792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypotecni-uver","tag-hypoteka","tag-hypoteky","tag-nemovitost","tag-pozemek","tag-preklenovaci-uver","tag-stavebni-sporeni","tag-uver","tag-uver-ze-stavebniho-sporeni","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. 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Zn\u00e1te rozd\u00edly mezi nimi?","og_url":"https:\/\/regbu.com\/et\/hupoteek-krediit-vs-krediit-ehituslahendused\/","og_site_name":"REGBU.COM","article_published_time":"2023-05-14T16:27:15+00:00","article_modified_time":"2025-09-05T05:42:36+00:00","og_image":[{"width":1200,"height":679,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"George Martin","Est. reading time":"9 minutit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed","datePublished":"2023-05-14T16:27:15+00:00","dateModified":"2025-09-05T05:42:36+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"},"wordCount":1917,"image":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","keywords":["hypot\u00e9\u010dn\u00ed \u00fav\u011br","hypot\u00e9ka","hypot\u00e9ky","nemovitost","pozemek","p\u0159eklenovac\u00ed \u00fav\u011br","stavebn\u00ed spo\u0159en\u00ed","\u00fav\u011br","\u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"et"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/","url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/","name":"H\u00fcpoteeklaen vs. laen ehituss\u00e4\u00e4studest - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","datePublished":"2023-05-14T16:27:15+00:00","dateModified":"2025-09-05T05:42:36+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"H\u00fcpoteeklaen on \u00fcks v\u00f5imalus oma kodu rahastamiseks. Alternatiiviks on laenu v\u00f5tmine ehitusfondist. Kas te teate nende kahe laenu erinevusi?","breadcrumb":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486"}],"inLanguage":"et","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"]}]},{"@type":"ImageObject","inLanguage":"et","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","width":1200,"height":679,"caption":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"et"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/et\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","position":1,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","name":"Milleks ma saan kasutada ehituslaenu?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financovat s n\u00edm m\u016f\u017eete n\u00e1kup pozemku, v\u00fdstavbu domu, n\u00e1kup nemovitosti, ale tak\u00e9 rekonstrukci, pop\u0159\u00edpad\u011b vy\u0159e\u0161\u00edte d\u011bdick\u00e9 \u0159\u00edzen\u00ed.","inLanguage":"et"},"inLanguage":"et"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","position":2,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","name":"Kuidas on ehituslaenu sihtsumma?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"P\u0159i uzav\u00edr\u00e1n\u00ed smlouvy si stanov\u00edte c\u00edlovou \u010d\u00e1stku. Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.","inLanguage":"et"},"inLanguage":"et"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","position":3,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","name":"Kas h\u00fcpoteeklaenuga kaasnevad lisatasud?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.","inLanguage":"et"},"inLanguage":"et"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","position":4,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","name":"Kas h\u00fcpoteeklaenu v\u00f5i laenu on v\u00f5imalik varem tagasi maksta?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete platit sank\u010dn\u00ed poplatky nav\u00edc.","inLanguage":"et"},"inLanguage":"et"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","position":5,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","name":"Kas neid tooteid saab kasutada ka vanade laenude refinantseerimiseks?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed mohou poslou\u017eit k t\u011bmto \u00fa\u010del\u016fm. P\u016fvodn\u00ed p\u016fj\u010dky se ale mus\u00ed t\u00fdkat financov\u00e1n\u00ed bydlen\u00ed.","inLanguage":"et"},"inLanguage":"et"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/posts\/792","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/comments?post=792"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/posts\/792\/revisions"}],"predecessor-version":[{"id":797,"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/posts\/792\/revisions\/797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/media\/793"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/media?parent=792"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/categories?post=792"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/et\/wp-json\/wp\/v2\/tags?post=792"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}