{"id":10046,"date":"2018-04-30T23:26:16","date_gmt":"2018-04-30T21:26:16","guid":{"rendered":"https:\/\/financer.ee\/?page_id=10046"},"modified":"2024-06-30T17:19:19","modified_gmt":"2024-06-30T14:19:19","slug":"eraisikult","status":"publish","type":"page","link":"https:\/\/financer.ee\/laenud\/eraisikult\/","title":{"rendered":"Laenud eraisikutelt"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Mida_kujutab_endast_laen_eraisikult\">Mida kujutab endast laen eraisikult?<\/h2>\n\n\n\n<p>Laen eraisikult t\u00e4hendab olukorda, kus laenusoovija ei v\u00f5ta laenu mitte laenuettev\u00f5ttest ega pangast, vaid\u00a0<strong>raha laenajaks on teine eraisik, just nagu sina<\/strong>.<\/p>\n\n\n\n<p>Sellised laenud eraisikutelt eraisikule v\u00f5ivad olla vahel suus\u00f5nalise kokkuleppega: vahel laenatakse niimoodi raha s\u00f5prade-tuttavate vahel, vahel kasutatakse selle jaoks suisa Facebooki gruppe.<\/p>\n\n\n\n<p>K\u00f5ige turvalisem laen eraisikult on seotud aga\u00a0<strong>\u00fchisrahastusplatvormidega<\/strong>. <\/p>\n\n\n\n<p>Sellistel platvormidel rahastavad laenu teised eraisikud (kes tegutsevad platvormil investorina), mitte pank v\u00f5i laenufirma, kuid platvormi vahendusel s\u00f5lmitakse konkreetsed laenulepingud ning kogu tehing on m\u00f5lema poole jaoks m\u00e4rksa turvalisem.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"3_parimat_eraisikult_eraisikule_laenuplatvormi\">3 parimat eraisikult-eraisikule laenuplatvormi<\/h3><ul>\n<li><a href=\"https:\/\/financer.ee\/ettevote\/bondora\/\">Bondora<\/a> &#8211; kuni 10 000\u20ac laenu k\u00e4tte samal p\u00e4eval, intress alates 8,99% aastas<\/li>\n<li><a href=\"https:\/\/financer.ee\/ettevote\/omaraha\/\">Omaraha<\/a> &#8211; v\u00e4iksemad tagatiseta laenud kuni 3000\u20ac ulatuses<\/li>\n<li><a href=\"https:\/\/financer.ee\/ettevote\/moneyzen\/\">MoneyZen<\/a> &#8211; mitmek\u00fclgsed tarbimislaenud kuni 10 000\u20ac ulatuses<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"hisrahastus_kige_turvalisem_laen_eraisikult\">\u00dchisrahastus: k\u00f5ige turvalisem laen eraisikult<\/h2>\n\n\n\n<p><strong>\u00dchisrahastusplatvormid on veebiportaalid, millega saavad liituda nii inimesed, kes soovivad laenu, kui ka inimesed, kes soovivad investeerida teiste inimeste laenudesse, teenides tulu intressimaksetelt.<\/strong>\u00a0<\/p>\n\n\n\n<p>Niiviisi v\u00f5idavad m\u00f5lemad pooled: laenusoovija saab oma laenu ning laenuandja saab teenida lisaraha.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>\u00dchisrahastusplatvormi kaudu laenamine on pisut teistsugune kui p\u00e4ris niisama tavalised laenud eraisikult, kuna k\u00f5ik <strong>laenutehingud k\u00e4ivad l\u00e4bi vahendaja ehk platvormi, kes viib kokku pooled omavahel<\/strong>.<\/p><\/div>\n\n\n<p>Platvormi kaudu laenamine on m\u00e4rksa turvalisem, kuna laenuvahendajad on sarnaselt pankadele Finantsinspektsiooni valvsa silma all. <\/p>\n\n\n\n<p>Enamjaolt on \u00fchisrahastusplatvormidel ka laenutingimused sarnased <a href=\"https:\/\/financer.ee\/laenud\/vaikelaen\/\">v\u00e4ikelaenudele<\/a>.<\/p>\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=365&\" data-slider-url=\"https:\/\/financer.ee\/tulemused?query=1&non_affiliate=true&param_amount=4000&param_period=365&\" data-required=\"tulemused?query=1non_affiliate=true&param_amount=4000&param_period=365&\" class=\"get_results compare button is-primary is-medium is-rounded\">Vaata laenupakkumisi<\/a><\/div>\t\t<\/div><h2 class=\"comparison-table__title-main\">Laenud eraisikutelt eraisikule: 3 Eesti parimat<\/h2>\n                                                <div class=\"comparison-table__description\">K\u00f5ige turvalisem viis laenata raha eraisikutelt on kasutada reguleeritud \u00fchisrahastusplatvormi (mitte suvalist Facebooki grupi!). Siin on Eesti 3 k\u00f5ige usaldusv\u00e4\u00e4rsemat \u00fchisrahastusplatvormi, mille vahendusel saad laenata raha eraisikutelt:<\/div>\n                        <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative \">\n                    <div class=\"comparison-table__scroll \">\n                        <table class=\"comparison-table \" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Ettev\u00f5te                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Laenusumma\">Laenusumma<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Periood\">Periood<\/span><\/th><th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Intress aastas\">Intress aastas<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                                    <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\" data-rep-example=\"Bondora laen: 2870 \u20ac laenamisel 5 aastaks on kuumakse 85,41 \u20ac. Krediidi kulukuse m\u00e4\u00e4r on 32,94%. 5 aasta jooksul maksad kokku 5295,52 \u20ac, mis h\u00f5lmab 1680,76 \u20ac intressi fikseeritud intressim\u00e4\u00e4raga 19,88%, ning 574 \u20ac haldustasu. 170 \u20ac suurune lepingutasu tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb 5 aasta jooksul maksma 2425,52 \u20ac. Laenusumma 2870 \u20ac. Pakutavad tingimused olenevad Sinu individuaalsest olukorrast.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Bondora\"\n                data-product-id=\"3986\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"66e564f35cd31\"  data-url_param_pid=\"3986\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ee\/ettevote\/bondora\/redirect\/?unq=66e564f35cd31\">\n                    <img decoding=\"async\" title=\"Bondora\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2017\/01\/bondora-laenud-logo.png\" alt=\"Bondora\">\n                <\/a><\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"100.00\">100 \u20ac &#8211; 15&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 k &#8211; 5 a<\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"8.99\">8,99% &#8211; 48,83%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ee\/ettevote\/bondora\/redirect\/?unq=66e564f363587\" data-url_param_unq=\"66e564f363587\"  data-url_param_pid=\"3986\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Alusta<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Bondora laen: 2870 \u20ac laenamisel 5 aastaks on kuumakse 85,41 \u20ac. Krediidi kulukuse m\u00e4\u00e4r on 32,94%. 5 aasta jooksul maksad kokku 5295,52 \u20ac, mis h\u00f5lmab 1680,76 \u20ac intressi fikseeritud intressim\u00e4\u00e4raga 19,88%, ning 574 \u20ac haldustasu. 170 \u20ac suurune lepingutasu tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb 5 aasta jooksul maksma 2425,52 \u20ac. Laenusumma 2870 \u20ac. Pakutavad tingimused olenevad Sinu individuaalsest olukorrast.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"MoneyZen v\u00e4ikelaen: Laenates 6 000 eurot viieks aastaks fikseeritud aastase intressim\u00e4\u00e4raga 13% ja kuumaksega 148,52 eurot on krediidi kulukuse m\u00e4\u00e4r 20,07%. Kogu laenuperioodi jooksul tagasi makstav summa on 9 116,11 eurot, millest 2 191,11 eurot moodustavad intressimaksed ja 720 eurot laenu haldustasu. 180 euro suurune laenu lepingutasu ning 25 euro suurune ZenFundi makse tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb viie aasta jooksul maksma 3 116,11 eurot.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"MoneyZen\"\n                data-product-id=\"1107\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"66e564f378ce2\"  data-url_param_pid=\"1107\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ee\/ettevote\/moneyzen\/redirect\/?unq=66e564f378ce2\">\n                    <img decoding=\"async\" title=\"MoneyZen\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2016\/01\/moneyzen-laen.png\" alt=\"MoneyZen\">\n                <\/a><\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"400.00\">400 \u20ac &#8211; 10&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 k &#8211; 3 a<\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"21.52\">21,52% &#8211; 50,00%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ee\/ettevote\/moneyzen\/redirect\/?unq=66e564f37e4ca\" data-url_param_unq=\"66e564f37e4ca\"  data-url_param_pid=\"1107\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Alusta<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>MoneyZen v\u00e4ikelaen: Laenates 6 000 eurot viieks aastaks fikseeritud aastase intressim\u00e4\u00e4raga 13% ja kuumaksega 148,52 eurot on krediidi kulukuse m\u00e4\u00e4r 20,07%. Kogu laenuperioodi jooksul tagasi makstav summa on 9 116,11 eurot, millest 2 191,11 eurot moodustavad intressimaksed ja 720 eurot laenu haldustasu. 180 euro suurune laenu lepingutasu ning 25 euro suurune ZenFundi makse tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb viie aasta jooksul maksma 3 116,11 eurot.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Omaraha v\u00e4ikelaen: 1000\u20ac laenamisel 3 aastaks on kuumakse 37,16\u20ac. Krediidi kulukuse m\u00e4\u00e4r 23,70%. 3 aasta jooksul maksad kokku 1357,89\u20ac, mis koosneb intressist 337,89\u20ac (m\u00e4\u00e4raga 20%) ja 20\u20ac suurusest lepingutasust. Laen l\u00e4heb 3 aasta jooksul maksma 357,89\u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Omaraha\"\n                data-product-id=\"1105\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"66e564f394e16\"  data-url_param_pid=\"1105\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ee\/ettevote\/omaraha\/redirect\/?unq=66e564f394e16\">\n                    <img decoding=\"async\" title=\"Omaraha\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2016\/07\/omaraha.png\" alt=\"Omaraha\">\n                <\/a><\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"50.00\">50 \u20ac &#8211; 10&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 k &#8211; 5 a<\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"8.00\">8,00% &#8211; 50,00%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ee\/ettevote\/omaraha\/redirect\/?unq=66e564f39c93f\" data-url_param_unq=\"66e564f39c93f\"  data-url_param_pid=\"1105\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Alusta<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Omaraha v\u00e4ikelaen: 1000\u20ac laenamisel 3 aastaks on kuumakse 37,16\u20ac. Krediidi kulukuse m\u00e4\u00e4r 23,70%. 3 aasta jooksul maksad kokku 1357,89\u20ac, mis koosneb intressist 337,89\u20ac (m\u00e4\u00e4raga 20%) ja 20\u20ac suurusest lepingutasust. Laen l\u00e4heb 3 aasta jooksul maksma 357,89\u20ac.<\/span><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                        <table class=\"comparison-table comparison-table--mobile  is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Ettev\u00f5te                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Lugejahinnang                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Laenusumma\">Laenusumma<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Periood\">Periood<\/span><\/th><th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Intress aastas\">Intress aastas<\/span><\/th>                                <th>Alusta                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\" data-rep-example=\"Bondora laen: 2870 \u20ac laenamisel 5 aastaks on kuumakse 85,41 \u20ac. Krediidi kulukuse m\u00e4\u00e4r on 32,94%. 5 aasta jooksul maksad kokku 5295,52 \u20ac, mis h\u00f5lmab 1680,76 \u20ac intressi fikseeritud intressim\u00e4\u00e4raga 19,88%, ning 574 \u20ac haldustasu. 170 \u20ac suurune lepingutasu tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb 5 aasta jooksul maksma 2425,52 \u20ac. Laenusumma 2870 \u20ac. Pakutavad tingimused olenevad Sinu individuaalsest olukorrast.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Bondora\"\n                data-product-id=\"3986\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"66e564f35cd31\"  data-url_param_pid=\"3986\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ee\/ettevote\/bondora\/redirect\/?unq=66e564f35cd31\">\n                    <img decoding=\"async\" title=\"Bondora\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2017\/01\/bondora-laenud-logo.png\" alt=\"Bondora\">\n                <\/a><\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"100.00\">100 \u20ac &#8211; 15&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 k &#8211; 5 a<\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"8.99\">8,99% &#8211; 48,83%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ee\/ettevote\/bondora\/redirect\/?unq=66e564f363587\" data-url_param_unq=\"66e564f363587\"  data-url_param_pid=\"3986\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Alusta<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Bondora laen: 2870 \u20ac laenamisel 5 aastaks on kuumakse 85,41 \u20ac. Krediidi kulukuse m\u00e4\u00e4r on 32,94%. 5 aasta jooksul maksad kokku 5295,52 \u20ac, mis h\u00f5lmab 1680,76 \u20ac intressi fikseeritud intressim\u00e4\u00e4raga 19,88%, ning 574 \u20ac haldustasu. 170 \u20ac suurune lepingutasu tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb 5 aasta jooksul maksma 2425,52 \u20ac. Laenusumma 2870 \u20ac. Pakutavad tingimused olenevad Sinu individuaalsest olukorrast.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"MoneyZen v\u00e4ikelaen: Laenates 6 000 eurot viieks aastaks fikseeritud aastase intressim\u00e4\u00e4raga 13% ja kuumaksega 148,52 eurot on krediidi kulukuse m\u00e4\u00e4r 20,07%. Kogu laenuperioodi jooksul tagasi makstav summa on 9 116,11 eurot, millest 2 191,11 eurot moodustavad intressimaksed ja 720 eurot laenu haldustasu. 180 euro suurune laenu lepingutasu ning 25 euro suurune ZenFundi makse tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb viie aasta jooksul maksma 3 116,11 eurot.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"MoneyZen\"\n                data-product-id=\"1107\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"66e564f378ce2\"  data-url_param_pid=\"1107\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ee\/ettevote\/moneyzen\/redirect\/?unq=66e564f378ce2\">\n                    <img decoding=\"async\" title=\"MoneyZen\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2016\/01\/moneyzen-laen.png\" alt=\"MoneyZen\">\n                <\/a><\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"400.00\">400 \u20ac &#8211; 10&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 k &#8211; 3 a<\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"21.52\">21,52% &#8211; 50,00%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ee\/ettevote\/moneyzen\/redirect\/?unq=66e564f37e4ca\" data-url_param_unq=\"66e564f37e4ca\"  data-url_param_pid=\"1107\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Alusta<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>MoneyZen v\u00e4ikelaen: Laenates 6 000 eurot viieks aastaks fikseeritud aastase intressim\u00e4\u00e4raga 13% ja kuumaksega 148,52 eurot on krediidi kulukuse m\u00e4\u00e4r 20,07%. Kogu laenuperioodi jooksul tagasi makstav summa on 9 116,11 eurot, millest 2 191,11 eurot moodustavad intressimaksed ja 720 eurot laenu haldustasu. 180 euro suurune laenu lepingutasu ning 25 euro suurune ZenFundi makse tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb viie aasta jooksul maksma 3 116,11 eurot.<\/span><\/td><\/tr><tr class=\"comparison-table__row\" data-rep-example=\"Omaraha v\u00e4ikelaen: 1000\u20ac laenamisel 3 aastaks on kuumakse 37,16\u20ac. Krediidi kulukuse m\u00e4\u00e4r 23,70%. 3 aasta jooksul maksad kokku 1357,89\u20ac, mis koosneb intressist 337,89\u20ac (m\u00e4\u00e4raga 20%) ja 20\u20ac suurusest lepingutasust. Laen l\u00e4heb 3 aasta jooksul maksma 357,89\u20ac.\" data-columns=\"6\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Omaraha\"\n                data-product-id=\"1105\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"66e564f394e16\"  data-url_param_pid=\"1105\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ee\/ettevote\/omaraha\/redirect\/?unq=66e564f394e16\">\n                    <img decoding=\"async\" title=\"Omaraha\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2016\/07\/omaraha.png\" alt=\"Omaraha\">\n                <\/a><\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"50.00\">50 \u20ac &#8211; 10&nbsp;000 \u20ac<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 k &#8211; 5 a<\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"8.00\">8,00% &#8211; 50,00%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ee\/ettevote\/omaraha\/redirect\/?unq=66e564f39c93f\" data-url_param_unq=\"66e564f39c93f\"  data-url_param_pid=\"1105\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            Alusta<\/a><\/td><\/tr><tr class=\"comparison-table__row--comparison\"><td data-representative-col=\"true\"  colspan=\"6\"><span>Omaraha v\u00e4ikelaen: 1000\u20ac laenamisel 3 aastaks on kuumakse 37,16\u20ac. Krediidi kulukuse m\u00e4\u00e4r 23,70%. 3 aasta jooksul maksad kokku 1357,89\u20ac, mis koosneb intressist 337,89\u20ac (m\u00e4\u00e4raga 20%) ja 20\u20ac suurusest lepingutasust. Laen l\u00e4heb 3 aasta jooksul maksma 357,89\u20ac.<\/span><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        \n\n\n<h2 class=\"wp-block-heading\" id=\"Kuidas_saada_laen_eraisikutelt\">Kuidas saada laen eraisikutelt?<\/h2>\n\n\n<div class=\"howto_desc\"><p>Esimese hooga v\u00f5ib tunduda veider laenata eraisikult raha vahendusplatvormi kaudu, kuid tegelikult on kogu laenuprotsess imelihtne. J\u00e4rgida tuleb vaid allolevaid lihtsaid samme.<\/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=\"Leia-sobiv-uhisrahastusplatvorm\">Leia sobiv \u00fchisrahastusplatvorm<\/h3><p>Financer.ee on k\u00e4esolevale lehele koondanud parimad Eesti \u00fchisrahastusplatvormid, mille vahendusel saad taotleda soovitud laenu. Vali nende platvormide hulgast endale sobiv.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Samm 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Esita-laenutaotlus\">Esita laenutaotlus<\/h3><p>T\u00e4ida valitud platvormi kodulehel laenutaotlus. Selle jaoks pead esitama oma kontaktandmed, info oma rahalise seisu kohta ning esitama oma pangakontode v\u00e4ljav\u00f5tted. \u00dchisrahastusplatvormil on laenutaotlus t\u00e4pselt samasugune nagu v\u00e4ikelaenuandja v\u00f5i panga kodulehel.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Samm 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Platvorm-maarab-sulle-krediidihinnangu\">Platvorm m\u00e4\u00e4rab sulle krediidihinnangu<\/h3><p>Sinu krediiditaust vaadatakse l\u00e4bi \u00fchisrahastusplatvormi poolt ning sulle m\u00e4\u00e4ratakse teatud krediidireiting (enamikel platvormidel on oma viis hinnata krediidireitinguid ning selle krediidireitingu alusel saavad investorid teha paremaid investeerimisotsuseid).<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Samm 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Sinu-laenusoov-saadetakse-investoritele\">Sinu laenusoov saadetakse investoritele<\/h3><p>\u00c4ra muretse, investorid ei n\u00e4e sinu nime ega muid andmeid \u2013 platvorm n\u00e4itab investoritele ainult sinu soovitud laenusummat, soovitud intressi ja laenuperioodi ning investorite abistamiseks n\u00e4idatakse krediidihinnangut.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Samm 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Saa-oma-laenusumma-investoritelt-kokku-ja-solmi-leping\">Saa oma laenusumma investoritelt kokku ja s\u00f5lmi leping<\/h3><p>Investorid saavad panna oma raha sinu laenu rahastamisesse. Kui piisavalt paljud investorid on huvitatud sinu laenu investeerimisest, saadki oma laenu k\u00e4tte ning saad s\u00f5lmida platvormiga laenulepingu ja maksegraafiku.<\/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\/tulemused\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Uuri ka teisi laenupakkumisi<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kas_eraisikutelt_tasub_laenu_vtta\">Kas eraisikutelt tasub laenu v\u00f5tta?<\/h2>\n\n\n\n<p>Kui sa ei taha mingil p\u00f5hjusel laenu v\u00f5tta tavalisest laenufirmast v\u00f5i pangast (v\u00f5i sa ei saa laenu), siis ilmselgelt v\u00f5id arvata, et laenud eraisikutelt on parim lahendus.<\/p>\n\n\n\n<p>See ei ole aga sugugi alati nii, sest k\u00f5ik oleneb sellest, kuidas ja kust sa laenu v\u00f5tad.<\/p>\n\n\n\n<p>Kui sa v\u00f5tad laenu eraisikutelt Facebooki grupi v\u00f5i m\u00f5ne kuulutuseportaali kaudu, v\u00f5id sattuda <strong>tunduvalt halvemasse olukorda<\/strong>. <\/p>\n\n\n\n<p>Pole sugugi imelik n\u00e4ha, kuidas sellistes laenugruppides k\u00fcsitakse 200\u20ac laenu kohta tagasi 300\u20ac (mis on ilmselgelt jaburalt k\u00f5rge krediidi kulukus &#8211; \u00fckski laenufirma ei k\u00fcsi selliseid summasid).<\/p>\n\n\n\n<p><strong>Kui taotled laenu eraisikult aga \u00fchisrahastusportaali kaudu, on kogu laenusuhe turvaline ja seadusega reguleeritud<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Eraisikult_eraisikule_laenamise_plussid\">Eraisikult eraisikule laenamise plussid<\/h3><li><p>\u00dchisrahastusplatvormi kaudu laenamine on\u00a0<strong>turvalisem<\/strong>, kuna tehinguga tegeleb platvorm (ja kogu tehing on seotud lepinguga).<\/p>\n<\/li><li><p>Teine eraisik ei saa mitte kunagi teada, kellele ta laenu andis, seega j\u00e4\u00e4vad k\u00f5rvale eelarvamused v\u00f5i k\u00f5ikv\u00f5imalikud muud probleemid \u2013\u00a0<strong>laenamine on anon\u00fc\u00fcmne<\/strong>.<\/p>\n<\/li><li><p>Sa saad ise valida,\u00a0<strong>millist intressi ja tingimusi sa soovid<\/strong>\u00a0\u2013 sa ei pea lihtsalt rahulduma olemasolevaga, vaid saad ise m\u00e4\u00e4rata, milline laenuperiood ja summa sulle sobib.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Eraisikult_eraisikule_laenamise_miinused\">Eraisikult eraisikule laenamise miinused<\/h3><li><p>Laenu saamisega<strong>\u00a0v\u00f5ib aega minna<\/strong>, sest sa ei pruugi nii kiiresti leida investoreid, kes sooviksid finantseerida sinu soovi. V\u00f5ib ka juhtuda, et soov ei saagi t\u00e4idetud ning pead tegema uue taotluse.<\/p>\n<\/li><li><p><strong>Intress v\u00f5ib olla \u00fcsna k\u00f5rge<\/strong>\u00a0\u2013 tavaliselt ei n\u00e4e \u00fchisrahastuses alla 14-15% suuruseid intresse, mis on aga selgelt k\u00f5rgem, kui n\u00e4iteks pankades. (Aga see on siiski madalam v\u00f5rreldes Facebooki laenugruppidega).<\/p>\n<\/li><li><p><strong>Kui sul on krediidiprobleeme, siis \u00fchisrahastuse kaudu laenu ei saa<\/strong>. Platvormid kontrollivad krediiditausta ning on selle osas sarnased tavalistele v\u00e4ikelaenudele, seega ei pruugi laenu saada m\u00f5ningate probleemide korral.<\/p>\n<\/li><\/ul><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>Kuidas hoida kokku <span class=\"compare-amount\">523,00 \u20ac <\/span> laenukulukuselt<\/h3>\n\t\t\t\t<p>4&nbsp;000,00 \u20ac laenu kulukuse erinevus 90 p\u00e4eva kohta on 523,00 \u20ac.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.ee\/tulemused\/?query=1&filter_non_affiliate=1&param_amount=4000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Leia soodsaim laen siit<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Kokkuvtteks_1_platvorm_eraisikutelt_laenamiseks\">Kokkuv\u00f5tteks: #1 platvorm eraisikutelt laenamiseks<\/h2>\n\n\n\n<p>Seega, tahad saada laenu eraisikutelt, su rahaline seis on korralik ning sa m\u00f5istad, et parim variant on kasutada reguleeritud, tegevusloaga platvormi?<\/p>\n\n\n\n<p>Tubli, oled j\u00f5udnud \u00f5igesse kohta &#8211; nagu mainisime, siis eraisikutelt laenates pead ikkagi kasutama kohta, mis j\u00e4rgib Eesti seadusandlust. <strong>Laenusuhet ei tohiks kunagi s\u00f5lmida suvaliselt Facebooki s\u00f5numites<\/strong>.<\/p>\n\n\n\n<p>Eestis tegutseb mitu \u00fchisrahastusplatvormi, kuid Financer.ee hinnangul on hetkel parim platvorm eraisikutelt laenamiseks <strong>Bondora<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ee\/ettevote\/bondora\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"260\" height=\"80\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2017\/01\/bondora-laenud-logo.png\" class=\"attachment-full size-full\" alt=\"bondora laenud logo\" \/><\/a><span class=\"items-content__card-chosen\">Valitud <strong>5&nbsp;228<\/strong> korda<\/span><ul class=\"items-content__card-list\"><li >Paindlikud intressim\u00e4\u00e4rad<\/li><li >Kiire taotlus, vastus kohe k\u00e4es<\/li><li >Saad potentsiaalselt raha k\u00e4tte samal p\u00e4eval<\/li><li >\u00dchisrahastuse stiilis laenamine<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. laenusumma<\/span><span class=\"items-content__card-datapoint-value\">100<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Maks. summa<\/span><span class=\"items-content__card-datapoint-value\">15000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Madalaim krediidi kulukuse m\u00e4\u00e4r<\/span><span class=\"items-content__card-datapoint-value\">8.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">K\u00f5rgeim krediidi kulukuse m\u00e4\u00e4r<\/span><span class=\"items-content__card-datapoint-value\">48.83<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periood<\/span><span class=\"items-content__card-datapoint-value\">3 k<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Maks. periood<\/span><span class=\"items-content__card-datapoint-value\">5 a<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Makseh\u00e4ired lubatud<\/span><span class=\"items-content__card-datapoint-value\">Ei. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimaalne vanus<\/span><span class=\"items-content__card-datapoint-value\">21<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ee\/ettevote\/bondora\/redirect\/?unq=66e564f3c3e5e\" data-url_param_unq=\"66e564f3c3e5e\"  data-url_param_pid=\"3986\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Alusta<\/a><a href=\"https:\/\/financer.ee\/ettevote\/bondora\/\"  class=\"button is-rounded items-content__card-more-info\">Lisainfo<\/a><span class=\"items-content__card-credit-title \"><\/span><\/div><\/div><div class=\"items-content__card-description\" >Bondora laen: 2870 \u20ac laenamisel 5 aastaks on kuumakse 85,41 \u20ac. Krediidi kulukuse m\u00e4\u00e4r on 32,94%. 5 aasta jooksul maksad kokku 5295,52 \u20ac, mis h\u00f5lmab 1680,76 \u20ac intressi fikseeritud intressim\u00e4\u00e4raga 19,88%, ning 574 \u20ac haldustasu. 170 \u20ac suurune lepingutasu tuleb tasuda kohe p\u00e4rast laenu v\u00e4ljamaksmist. Laen l\u00e4heb 5 aasta jooksul maksma 2425,52 \u20ac. Laenusumma 2870 \u20ac. Pakutavad tingimused olenevad Sinu individuaalsest olukorrast.<\/div><\/div><\/div><\/div>\n\n\n<p>Bondora on paljudele tuntud, kuid mida enamus ei tea, on see, et Bondora ise pole laenuandja &#8211; Bondora on platvorm, kus kohtuvad laenusoovijad ja investorid. <\/p>\n\n\n\n<p>Sa v\u00f5id Bondora platvormil hoopis ise investoriks hakata ja teistele eraisikutele laenu anda!<\/p>\n\n\n\n<p>Bondora AS-il on Eestis krediidiandja tegevusluba, seega on tegemist turvalise ja usaldusv\u00e4\u00e4rse platvormiga. <strong>Lisaks on Bondora laenusummad paindlikud ning laenuprotsess \u00fclikiire<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><em>Pole laenuotsuses veel kindel? Kl\u00f5psa allolevale nupule, et tutvuda Eesti parimate laenupakkumistega!<\/em><\/p><\/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\/laenud\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Vaata siit k\u00f5iki laenupakkumisi<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Laen_eraisikult_korduma_kippuvad_ksimused\">Laen eraisikult: korduma kippuvad k\u00fcsimused<\/h3><h4>Kuskohast leida laen eraisikult eraisikule?<\/h4><div class=\"faq_inner\"><p>Eraisikulaenude jaoks on sisuliselt kaks varianti: sa v\u00f5id otsida laenuandjat kuulutusteportaalide ja sotsiaalmeedia kaudu v\u00f5i p\u00f6\u00f6rduda\u00a0<a href=\"https:\/\/financer.ee\/saastmine\/uhisrahastus\/\">\u00fchisrahastusplatvormi<\/a>\u00a0poole.<\/p>\n<p>Esimene variant on aga \u00fcks k\u00f5ige ohtlikumaid variante ning soovitame seda v\u00e4ltida. On v\u00e4ga tavaline n\u00e4ha kas v\u00f5i Facebookis v\u00f5i <a href=\"https:\/\/financer.ee\/laenud\/artiklid\/kuldne-bors-laenud\/\">Kuldses B\u00f6rsis<\/a>\u00a0laenupakkumisi, mis tunduvad lausa liialt head, et t\u00f5si olla, kuid nagu vana t\u00f5degi lausub: kui miski k\u00f5lab nii h\u00e4sti, on see suure t\u00f5en\u00e4osusega vale. Kui keegi kuulutab Kuldse B\u00f6rsi kaudu suurelt: &#8220;annan laenu eraisikutele&#8221;, on see ilmselt pettus.<\/p>\n<p>Teine variant on k\u00f5ige turvalisem ning sarnaneb tavalisele v\u00e4ikelaenule. \u00dchisrahastusplatvormil on laenu rahastajaks teised eraisikud, mitte laenufirmad, kuid kogu tehingut kaitseb leping ja \u00fchisrahastusplatvormi tehtud seadistused.<\/p><\/div><h4>Kas ilma lepinguta saab v\u00f5tta laenu eraisikult?<\/h4><div class=\"faq_inner\"><p>Kui soovid v\u00f5tta laenu eraisikult, on muidugi tehniliselt v\u00f5ttes v\u00f5imalik asju ajada lepinguta, aga\u00a0<strong>Financer.ee ei soovita mitte kunagi teha \u00fchtegi tehingut ilma lepinguta<\/strong>. See on kiireim viis suurte probleemide otsa sattumiseks.<\/p>\n<p>Laenates raha teiselt eraisikult tuleks alati s\u00f5lmida notariaalne leping. Lepingu s\u00f5lmimises pole midagi imelikku \u2013 just vastupidi, see aitab v\u00e4ltida hilisemaid probleeme ning niiviisi on kogu tehingu k\u00f5ik asjaolud kenasti kirjalikult paigas, mist\u00f5ttu pole hiljem vaidlusruumi. Notariaalne leping on h\u00e4davajalik m\u00f5lema poole kaitsmiseks.<\/p>\n<p><strong>\u00c4ra aga kanna mitte kunagi raha v\u00f5\u00f5rale inimesele, kes v\u00e4idab, et saab sulle laenata suuri summasid siis, kui kannad talle \u201claenutasu\u201d vms.<\/strong><\/p><\/div><h4>Kas eraisikult on m\u00f5istlik laenu v\u00f5tta?<\/h4><div class=\"faq_inner\"><p>Kui r\u00e4\u00e4kida raha laenamisest eraisikult \u00fchisrahastuse kaudu, on see igati normaalne ning turvaline viis, kuidas saada potentsiaalselt paindlikumate tingimustega laenusumma.<\/p>\n<p>Kui sinu eesm\u00e4rk on leida lihtsalt laen, mille intress ja muud tingimused on sulle sobivad, on\u00a0<strong>\u00fchisrahastus hea viis, kuidas selline laenusoov t\u00e4ita<\/strong>.<\/p>\n<p>Kui r\u00e4\u00e4gime eraisikult laenamisest kui laenust, mis v\u00f5etakse otse teiselt eraisikult, siis selliste laenudega tuleks olla \u00e4\u00e4rmiselt ettevaatlik.\u00a0<strong>Financer.ee ei soovita laenata raha eraisikutelt, kui seda tehakse v\u00e4ljaspool \u00fchisrahastusplatvorme.<\/strong><\/p><\/div><h4>Ma ei saanud pangast laenu. Kas eraisikult saaks laenu?<\/h4><div class=\"faq_inner\"><p>Kui sa ei saa laenufirmast laenu, peaksid unustama laenu v\u00f5tmise m\u00f5tte ning otsima viise,\u00a0<a href=\"https:\/\/financer.ee\/investeerimine\/artiklid\/kuidas-teenida-rohkem-raha\/\">kuidas teenida rohkem raha<\/a>. Seda on raske kuulata, kuid laenamine ei ole alati parim viis rahamure lahendamiseks ning kui sul on laenamisega probleeme ja laenuandjad l\u00fckkavad ukse nina ees kinni, ei tasuks selle asemel laenata raha eraisikult.\u00a0<\/p>\n<p>Pealegi, \u00fchisrahastusplatvormid kasutavad pankade ja teiste laenufirmadega samu tingimusi, seega kui sa ei saanud pangast laenu, ei pruugi saada laenu ka \u00fchisrahastusplatvormilt.<\/p><\/div><h4>Kas eraisikult eraisikule laenu jaoks on vaja tagatist v\u00f5i k\u00e4endust?<\/h4><div class=\"faq_inner\"><p>Enamasti on \u00fchisrahastusplatvormidel v\u00f5imalik \u00fcksnes tagatiseta laen eraisikult, seega ei ole k\u00e4endust ega tagatist vaja. N\u00e4iteks\u00a0<a href=\"https:\/\/financer.ee\/ettevote\/bondora\/\">Bondora<\/a>\u00a0pakub \u00fcksnes tagatiseta laene.<\/p>\n<p>Tagatiseta laenu puhul tuleb aga silmas pidada, et laenusumma s\u00f5ltub suuresti sinu personaalsest maksev\u00f5imest &#8211; mida parem on sinu maksev\u00f5imekus, seda t\u00f5en\u00e4olisemalt saad k\u00f5rgema laenusumma.<\/p><\/div><h4>Kui kiiresti eraisikult eraisikule laenu k\u00e4tte saab?<\/h4><div class=\"faq_inner\"><p>Kuna laen eraisikult eraisikule k\u00e4ib \u00fchisrahastusplatvormi kaudu ning investorid peavad oma raha suunama sinu laenusoovi alla, v\u00f5ib laenu k\u00e4ttesaamine v\u00f5tta aega kauem kui t\u00fc\u00fcpilise v\u00e4ikelaenu puhul. K\u00f5ik s\u00f5ltub sellest, kui kiiresti sinu laenusoov rahastatud saab &#8211; mida aktiivsem \u00fchisrahastusleht, seda kiiremini ka laenusoov t\u00e4idetakse. V\u00f5id aga arvestada, et laenuga v\u00f5ib minna isegi n\u00e4dal, olenevalt platvormist.<\/p><\/div><h4>Kui palju eraisikult laenata saab?<\/h4><div class=\"faq_inner\"><p>Laen eraisikult on t\u00fc\u00fcpiliselt maksimaalselt 10 000 eurot, olenevalt laenuandjast. Arvesta aga sellega, et t\u00e4pne laenusumma s\u00f5ltub sinu maksev\u00f5imekusest, st sinu sissetulekust ja v\u00e4ljaminekutest. Kui su sissetulek on madal, ei pruugi sa saada rohkem laenu kui m\u00f5ne tuhande euro ulatuses. Laenutaotlusi hinnatakse aga personaalselt igal platvormil.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Mida kujutab endast laen eraisikult? Laen eraisikult t\u00e4hendab olukorda, kus laenusoovija ei v\u00f5ta laenu mitte laenuettev\u00f5ttest ega pangast, vaid\u00a0raha laenajaks\u2026 <\/p>\n","protected":false},"author":28,"featured_media":78350,"parent":44697,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1],"tags":[11],"_links":{"self":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/10046"}],"collection":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/types\/page"}],"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=10046"}],"version-history":[{"count":49,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/10046\/revisions"}],"predecessor-version":[{"id":78359,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/10046\/revisions\/78359"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/44697"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/media\/78350"}],"wp:attachment":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/media?parent=10046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/categories?post=10046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/tags?post=10046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}