{"id":42203,"date":"2023-05-08T20:31:01","date_gmt":"2023-05-08T17:31:01","guid":{"rendered":"https:\/\/financer.ee\/?post_type=company_single&#038;p=42203"},"modified":"2024-06-25T19:22:38","modified_gmt":"2024-06-25T16:22:38","slug":"creditea","status":"publish","type":"company_single","link":"https:\/\/financer.ee\/ettevote\/creditea\/","title":{"rendered":"Creditea"},"content":{"rendered":"\n<p>Mis on \u00fchist Financer.ee tiimil ja Brigitte Susanne Hundil? Just nimelt Creditea Eesti krediidikonto.<\/p>\n\n\n\n<p>See uhiuus krediidikonto on kiirelt Eestis levima hakkanud, seda kindlasti osaliselt seet\u00f5ttu, et \u00fcks tuntumaid Eesti suunamudijaid ja telet\u00e4hti Brigitte Susanne Hunt on ka Crediteaga oma Instagrami lehel koost\u00f6\u00f6d teinud.<\/p>\n\n\n\n<p><strong>Creditea on krediidikonto<\/strong>, mida saad hallata otse telefonis \u00e4pi kaudu ning lisaks saad taotleda ka spetsiaalse maksekaardi, millega poes maksta v\u00f5i internetis shopata.<\/p>\n\n\n\n<p><strong>Siin on kiire \u00fclevaade Creditea krediidikonto p\u00f5hitingimustest<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th><\/th><th class=\"has-text-align-center\" data-align=\"center\">Creditea krediidikonto<\/th><\/tr><\/thead><tbody><tr><td><strong>Intress<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">alates 24% aastas<\/td><\/tr><tr><td><strong>Krediidisumma<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">50-5000\u20ac<\/td><\/tr><tr><td><strong>Laenuperiood<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1-60 kuud (vaikimisi ongi 60 kuud)<\/td><\/tr><tr><td><strong>Konto avamine<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tasuta<\/td><\/tr><tr><td><strong>Igakuine haldustasu<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pole<\/td><\/tr><tr><td><strong>Intressivaba periood<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">30 p\u00e4eva<\/td><\/tr><tr><td><strong>Peamised eelised<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Creditea Mastercard maksekaart<br>2% cashbacki igalt ostult<br>Konto avatud 15 minutiga<br>Mugav Creditea \u00e4pp (iOS + Android)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ee\/ettevote\/creditea\/redirect\/\" class=\"button  is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Ava krediidikonto<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Mida_Creditea_pakub\">Mida Creditea pakub?<\/h2>\n\n\n\n<p>Creditea on IPF Digitali uus krediidikonto, mille p\u00f5him\u00f5te on lihtne:\u00a0<strong>sa saad 15 minutiga avada krediidilimiidi, millelt endale iga hetk raha v\u00e4lja maksta<\/strong>. <\/p>\n\n\n\n<p>Sisuliselt on tegemist moodsa krediitkaardiga: sul on konto teatud limiidiga ning selle limiidi ulatuses saad alati raha kasutusele v\u00f5tta.<\/p>\n\n\n\n<p>Kasutusele v\u00f5etud rahasummalt pead tasuma intressi:\u00a0<strong>alates 24% aastas<\/strong>. Seni, kuni raha limiidilt v\u00e4lja ei maksa, ei teki sulle ka \u00fchtegi kulu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Creditea_krediidikonto\">Creditea krediidikonto<\/h3>\n\n\n\n<p>Creditea p\u00f5hiline toode on <strong>krediidikonto ehk laenulimiit<\/strong>. Sisult on Creditea justkui sinu isiklik krediit, mida saad kasutada igal ajal sulle avatud krediidilimiidi ulatuses.<\/p>\n\n\n\n<p><strong>Siin on Creditea krediidikonto p\u00f5hiomadused:<\/strong><\/p>\n\n\n\n<ul>\n<li>Krediidilimiit: kuni 5000\u20ac<\/li>\n\n\n\n<li>Tagasimakseperiood: kuni 60 kuud (vaikimisi seadistatud 60 kuu peale)<\/li>\n\n\n\n<li>Lisatasud: lepingutasu pole, haldustasu pole<\/li>\n\n\n\n<li>Laenuintress aastas: maks. 41,88%<\/li>\n\n\n\n<li>Kes saab taotleda: v\u00e4hemalt 18-aastane, taotleda saab iga p\u00e4ev<\/li>\n\n\n\n<li>Millal krediidikonto raha laekub: iga p\u00e4ev vahemikus 8 kuni 22<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><strong>Creditea krediidikonto krediidi kulukuse n\u00e4ide<\/strong>: <em>n\u00e4iteks 1600\u20ac laenamisel 12 kuuks, fikseeritud intressim\u00e4\u00e4raga 42,46% aastas on KKM 51,78% (maksimum KKM\/max. APR 51,78%) aastas, tagasimaksete summa 1991\u20ac ning kogusumma 1991\u20ac.\u00a0<\/em><\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Maksekonto_ja_Creditea_kaart\">Maksekonto ja Creditea kaart<\/h3>\n\n\n\n<p>Creditea pole aga lihtsalt krediidikonto: see on palju enamat. Nimelt, Creditea krediidilimiidiga koos saad endale <strong>f\u00fc\u00fcsilise maksekaardi ja maksekonto<\/strong>, mille vahendusel saad oma igap\u00e4evaseid rahaasju hallata, just nagu pangakonto puhul.<\/p>\n\n\n\n<p>Creditea \u00e4pi vahendusel <strong>saad lisada ka ise raha maksekontole<\/strong> ja kasutada maksekaarti nagu tavalist deebetkaarti, makstes kasv\u00f5i poes toidu eest.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><ul>\n<li>Creditea kaardi kuutasu: 4.95\u20ac<\/li>\n<li>Sularaha v\u00e4ljav\u00f5tmine pangaautomaadist: 0%<\/li>\n<li>Kaardi limiidid: 1000\u20ac p\u00e4evas v\u00f5i 5000\u20ac kuus<\/li>\n<\/ul><\/div>\n\n\n<p>T\u00e4nu sellisele lahendusele v\u00f5id oma igap\u00e4evased toimetused t\u00f5sta Creditea \u00e4ppi. Sa ei pea isegi kasutama laenulimiiti &#8211; v\u00f5id kasutada lihtsalt maksekontot ja -kaarti!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Creditea_peamised_eelised\">Creditea peamised eelised<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Teenid igalt ostult 2% cashbacki<\/strong> &#8211; Kui kasutad maksmiseks Creditea kaarti, hakkad teenima boonusena igalt ostult 2% cashbacki.<\/p>\n<\/li><li><p><strong>Kasutajas\u00f5bralik Creditea \u00e4pp<\/strong> &#8211; Kogu oma rahavoogu ja krediidikontot saad hallata mugavas \u00e4pis. Absoluutselt k\u00f5ik funktsioonid ongi saadaval \u00e4pi vahendusel \u2013 alates raha taotlemisest kuni v\u00e4ljav\u00f5tte j\u00e4lgimiseni.<\/p>\n<\/li><li><p><strong>Deebetkaart t\u00f6\u00f6tab k\u00f5ikjal \u00fcle kogu maailma<\/strong> &#8211; Creditea kaart t\u00f6\u00f6tab absoluutselt igal pool, kus Mastercard on aktsepteeritud. Muuhulgas saad kaardilt v\u00f5tta ka sularaha v\u00e4lja (\u00fcle Baltikumi on sularaha v\u00e4lja v\u00f5tmine teenustasudeta).<\/p>\n<\/li><li><p><strong>Tasuta maksepuhkus<\/strong> &#8211; Juhul, kui sul tekib rahalisi probleeme ja ei saa oma krediidilimiidi tagasimakseid teha, on Crediteal 3-kuune tasuta maksepuhkus.<\/p>\n<\/li><\/ul><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>V\u00f5rdle 36 laenupakkuja laene<\/h3><p>Leia soodsaim laen \u00fche klikiga<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"4000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.ee\/tulemused?query=1&non_affiliate=true&param_amount=4000&param_period=720&\" data-slider-url=\"https:\/\/financer.ee\/tulemused?query=1&non_affiliate=true&param_amount=4000&param_period=720&\" data-required=\"tulemused?query=1non_affiliate=true&param_amount=4000&param_period=720&\" class=\"get_results compare button is-primary is-medium is-rounded\">Vaata laenupakkumisi<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Creditea_suurimad_miinused\">Creditea suurimad miinused<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Kallim kui v\u00e4ikelaen<\/strong> &#8211; Creditea krediidikonto pole kindlasti odavamate killast, sarnanedes krediidi kulukuse poolest t\u00fc\u00fcpilisele krediitkaardile. Tavaline tagatiseta <a href=\"https:\/\/financer.ee\/laenud\/vaikelaen\/\">v\u00e4ikelaen<\/a> kipub olema soodsam.<\/p>\n<\/li><li><p><strong>Piiratud laenusumma<\/strong> &#8211; Creditea maksimaalne laenusumma on 5000\u20ac, kuid tegelik summa s\u00f5ltub sinu maksev\u00f5imest. 5000-eurose krediidikonto saab siiski vaid siis, kui sul on ka pirakas sissetulek. V\u00e4iksema sissetuleku korral ei pruugi sa saada krediidikontot rohkema ulatuses kui 1000-1500\u20ac.<\/p>\n<\/li><li><p><strong>V\u00f5ib tekitada riskantset laenuk\u00e4itumist<\/strong> &#8211; Krediitkaardid ja laenulimiidid ei sobi kindlasti iga\u00fchele, eriti, kui sa kipud tegema muidu ka riskantseid laenuotsuseid. Crediteaga on sul n\u00f6 rahatagavara alati olemas ja saad kiirelt juurde taotleda, isegi, kui sa v\u00f5ib-olla ei peaks lisaraha v\u00f5tma.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kuidas_avada_Creditea_krediidikonto\">Kuidas avada Creditea krediidikonto?<\/h2>\n\n\n<div class=\"howto_desc\"><p>Me ei liialda, kui \u00fctleme, et Creditea krediidikonto avamine on \u00fcks k\u00f5ige lihtsamaid ja kiiremaid protsesse \u00fcldse. Kogu krediidikonto avamine ei tohiks v\u00f5tta kauem kui 5 minutit &#8211; pane lihtsalt ID-kaart valmis ja saad v\u00e4rske laenulimiidi avatud.<\/p><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Samm 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ava-Creditea-ja-vali-laenulimiidi-summa\">Ava Creditea ja vali laenulimiidi summa<\/h3><p>Suundu Creditea kodulehele, kl\u00f5psates siin meie arvustuses olevat nupukest &#8211; see suunab sind \u00f5igesse kohta.<\/p>\n<p>Vali Creditea lehel laenusumma, vastavalt oma soovile.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Samm 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Uhenda-end-ID-kaardiga\">\u00dchenda end ID-kaardiga<\/h3><p>Krediidikonto avamiseks pead end \u00fchendama kas ID-kaardi, Mobiil-ID v\u00f5i Smart-ID-ga. Vali sobiv valik ja j\u00e4tka isikutuvastamisega.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Samm 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Sisesta-noutud-andmed\">Sisesta n\u00f5utud andmed<\/h3><p>J\u00e4rgmiseks pead esitama n\u00f5utud andmed, sh oma isikuandmed, kontaktandmed ja sissetulekute\/v\u00e4ljaminekute andmed. Pead esitama ka oma pangakonto v\u00e4ljav\u00f5tte.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Samm 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Vota-pakkumine-vastu-ja-allkirjasta-laenuleping\">V\u00f5ta pakkumine vastu ja allkirjasta laenuleping<\/h3><p>Kui said taotluse esitatud, pead j\u00e4\u00e4ma ootama Creditea poolset pakkumist. Kui t\u00e4idad taotluse t\u00f6\u00f6p\u00e4eva jooksul, peaksid saama vastuse koheselt. Parimal juhul v\u00f5id saada raha oma pangakontole k\u00e4tte vaid 15 minutiga!<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ee\/ettevote\/creditea\/redirect\/\" class=\"button  is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Ava krediidikonto<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Creditea_alternatiivid\">Creditea alternatiivid<\/h2>\n\n\n\n<p>Kas tunned, et Creditea krediidikonto pole ikkagi sulle?<\/p>\n\n\n\n<p>Peame t\u00f5dema, et Creditea laenulimiidil on hulgaliselt eeliseid, mist\u00f5ttu v\u00f5ib see olla hea tagavaralahendus sisuliselt iga\u00fchele.<\/p>\n\n\n\n<p>Tark v\u00f5rdlemine on aga laenuotsuste ema ning Financer.ee julgustab sind v\u00f5rdlema laene p\u00f5hjalikult.<\/p>\n\n\n\n<p><strong>Siin on paar Creditea alternatiivi, mida tasub samuti kaaluda v\u00e4ikelaenu taotlemisel<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th><\/th><th class=\"has-text-align-center\" data-align=\"center\">Fjord Bank<\/th><th class=\"has-text-align-center\" data-align=\"center\">TF Bank<\/th><th class=\"has-text-align-center\" data-align=\"center\">Smsraha<\/th><\/tr><\/thead><tbody><tr><td><strong>Laenusumma<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">600 &#8211; 20 000\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">1000 &#8211; 20 000\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">300 &#8211; 10 000\u20ac<\/td><\/tr><tr><td><strong>Laenuperiood<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 60 kuud<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 &#8211; 120 kuud<\/td><td class=\"has-text-align-center\" data-align=\"center\">Kuni 60 kuud<\/td><\/tr><tr><td><strong>Intress (alates)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4,5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">7,9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">18%<\/td><\/tr><tr><td><strong>Laenu saab k\u00e4tte<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Samal p\u00e4eval<\/td><td class=\"has-text-align-center\" data-align=\"center\">Samal p\u00e4eval<\/td><td class=\"has-text-align-center\" data-align=\"center\">Samal p\u00e4eval<\/td><\/tr><tr><td><strong>Lepingutasu<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%, min. 75\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">0\u20ac<\/td><\/tr><tr><td><strong>Loe l\u00e4hemalt<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ee\/ettevote\/fjord-bank\/\" data-type=\"company_single\" data-id=\"45911\">Arvustus<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ee\/ettevote\/tf-bank\/\" data-type=\"company_single\" data-id=\"1113\">Arvustus<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ee\/ettevote\/smsraha-ee\/\">Arvustus<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Creditea_korduma_kippuvad_ksimused\">Creditea korduma kippuvad k\u00fcsimused<\/h3><h4>Kui suur on Creditea laenulimiit?<\/h4><div class=\"faq_inner\"><p>Creditea maksimaalne krediidilimiit on 5000\u20ac, aga t\u00e4pne summa s\u00f5ltub sinu sissetulekust. V\u00e4iksema sissetuleku korral ei pruugi krediidilimiit nii suur olla.<\/p><\/div><h4>Kust Creditea \u00e4pp alla laadida?<\/h4><div class=\"faq_inner\"><p>Creditea \u00e4pi saad alla laadida otse Google Play poest v\u00f5i iPhone&#8217;i App Store vahendusel. Creditea Eesti kodulehel on \u00e4pi allalaadimiseks olemas ka otselingid m\u00f5lemale \u00e4pipoele.<\/p><\/div><h4>Kas Creditea krediidikontot saab kasutada intressivabalt?<\/h4><div class=\"faq_inner\"><p>Tegelikult saab k\u00fcll Creditea krediidikontot kasutada ka intressita &#8211; saad kasutada lihtsalt maksekontot, kandes ise raha oma kontole ja kasutades lihtsalt deebetkaarti. Seega soovi korral ei pea sa \u00fcldse krediiti kasutama.<\/p><\/div><h4>Mis siis, kui ma ei suuda enam Creditea krediidikonto makseid teha?<\/h4><div class=\"faq_inner\"><p>Makseprobleemide korral v\u00f5ta kindlasti \u00fchendust Creditea Eesti klienditeenindusega! K\u00fcll aga pakub Creditea maksepuhkust mitme kuu jagu ja selle taotlemine on t\u00e4iesti tasuta. V\u00f5ta Crediteaga \u00fchendust, et leida sobiv lahendus.<\/p><\/div><\/div>","protected":false},"author":28,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1],"company_type":[3],"overall_rating":"0.00000000","_links":{"self":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/company_single\/42203"}],"collection":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/comments?post=42203"}],"version-history":[{"count":28,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/company_single\/42203\/revisions"}],"predecessor-version":[{"id":78306,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/company_single\/42203\/revisions\/78306"}],"wp:attachment":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/media?parent=42203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/categories?post=42203"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/company_type?post=42203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}