{"id":2956,"date":"2016-07-19T17:03:30","date_gmt":"2016-07-19T15:03:30","guid":{"rendered":"https:\/\/financer.ee\/?page_id=2956"},"modified":"2024-09-07T15:42:46","modified_gmt":"2024-09-07T12:42:46","slug":"kinnisvara-hindamine","status":"publish","type":"wiki","link":"https:\/\/financer.ee\/laenud\/artiklid\/kinnisvara-hindamine\/","title":{"rendered":"Kinnisvara hindamine"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Kinnisvara_hindamine_milleks\">Kinnisvara hindamine: milleks?<\/h2>\n\n\n\n<p><a href=\"https:\/\/financer.ee\/laenud\/hupoteeklaen\/\">H\u00fcpoteeklaenu taotlemise<\/a> \u00fcks eelduseid on kinnisvara hindamisakti olemasolu, mis on vajalik tagatiseks antava kinnisvara turuv\u00e4\u00e4rtuse ja seega<strong> laenusumma suuruse m\u00e4\u00e4ramiseks<\/strong>.<\/p>\n\n\n\n<p>Pankadel on alati m\u00e4\u00e4ratud nende poolt aktsepteeritavad hindamisteenuse pakkujad, seega tuleks pangast laenates alati t\u00e4hele panna, <strong>millised kinnisvarahindajad on tunnustatud panga poolt<\/strong>. <\/p>\n\n\n\n<p>\u00d5nneks on enamus Eesti suuremaid kinnisvarab\u00fcroosid aktsepteeritud, seega tavaliselt p\u00f6\u00f6rdutaksegi m\u00f5ne suurb\u00fcroo poole. <\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Kiired_ksimused_vastused\">Kiired k\u00fcsimused-vastused<\/h3><h4>Miks on vaja hindamisakti h\u00fcpoteeklaenu saamiseks?<\/h4><div class=\"faq_inner\">H\u00fcpoteeklaenu antakse\u00a0<strong>\u00fcksnes selle hinna baasil, mis on hindamisaktis<\/strong>. Seet\u00f5ttu ei tohiks alahinnata selle olulisust ning samuti saad peale hindamisakti tellimist ka reaalselt aru, milline summa on konkreetselt laenusumma. H\u00fcpoteeklaenu (ja ka\u00a0<a href=\"https:\/\/financer.ee\/laenud\/hupoteeklaen\/kodulaen\/\">tavalisi kodulaene<\/a>) antakse reeglina 60-85% kinnisvara turuv\u00e4\u00e4rtusest.<\/div><h4>Kuidas valida hindajat?<\/h4><div class=\"faq_inner\">Vali hindaja vastavalt sellele, kes on tunnustatud sinu soovitud laenuandja poolt. Pankadel on selgelt v\u00e4lja toodud k\u00f5ik hindajad, keda nad tunnustavad. M\u00f5ned laenuandjad teostavad hindamise ise, mist\u00f5ttu ei pruugi sul eraldi hindamisakti isegi vaja olla.<\/div><h4>Kas ma saan kindel olla, et hindamisaktis tuuakse v\u00e4lja reaalne v\u00e4\u00e4rtus?<\/h4><div class=\"faq_inner\">Eksperthindajad tegutsevad\u00a0<strong>Eesti Kinnisvara Hindajate \u00dchingu Heade Tavade Koodeksi<\/strong>\u00a0ja hindamisstandardi EVS 875 alusel, mist\u00f5ttu ei pea sa kartma, et tegemist on n\u00f6 \u201cpuusalt tulistamisega\u201d.<\/div><h4>Mis m\u00f5jutab kinnisvara turuhinda?<\/h4><div class=\"faq_inner\">Kinnisvara turuhinda m\u00f5jutab mitte \u00fcksnes selle seisukord, vaid ka\u00a0<strong>\u00fcmbruskonnas olev infrastruktuur<\/strong>\u00a0(poodide, kooli, lasteaia jm asutuste olemasolu) ning piirkonnas asuva kinnisvara keskmine m\u00fc\u00fcgihind.<\/div><h4>Kas tellida ka digitaalne hindamisakt?<\/h4><div class=\"faq_inner\">Telli kindlasti\u00a0<strong>digitaalne hindamisakt<\/strong>, kui soovid esitada laenutaotluse internetis. Nii saad taotluse teha mugavalt vaid m\u00f5ne minutiga. \u00dcldiselt pangad n\u00f5uavadki, et kinnisvara hindamisakt oleks digitaalselt allkirjastatud.<\/div><h4>Milliseid dokumente on vaja hindamise jaoks?<\/h4><div class=\"faq_inner\">Hindamise jaoks on kindlasti vaja v\u00e4ljav\u00f5tet kinnisturaamatust, olemasolu korral v\u00e4ljav\u00f5tet detailplaneeringust ning esitada tuleb k\u00f5ik dokumendid, mis v\u00f5iksid hindamist m\u00f5jutada (rendilepingud, kohustused, kitsendused).<\/div><h4>Kellele hindamisakt j\u00e4\u00e4b?<\/h4><div class=\"faq_inner\">Hindamisakt\u00a0<strong>j\u00e4\u00e4b \u00fcksnes tellijale<\/strong>. Kui hindamisakt on vajalik pangast laenu saamiseks, saadetakse hindamisakt ka panka, kuid keegi teine sellele aktile ligip\u00e4\u00e4su ei saa.<\/div><h4>Kui kaua hindamisakt kestab?<\/h4><div class=\"faq_inner\">Hindamisaktil ei ole konkreetset kehtivusaega, ent enamjaolt soovivad pangad ja laenuandjad, et esitatav hindamisakt\u00a0<strong>ei oleks vanem kui 6 kuud<\/strong>.<\/div><h4>Kaua hindamisakti tellimine aega v\u00f5tab?<\/h4><div class=\"faq_inner\">Kui hindaja on k\u00e4inud kinnisvara vaatamas, v\u00f5ib hindamisakt valmida 2-3 p\u00e4eva jooksul, olenevalt b\u00fcroost. Arvestades ka eelnevat suhtlust ja kokkusaamise koosk\u00f5lastamist v\u00f5ib siiski minna n\u00e4dalake (v\u00f5i rohkem, kui kinnisvarab\u00fcrool on ka j\u00e4rjekord).<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Palju_kinnisvara_hindamine_maksab\">Palju kinnisvara hindamine maksab?<\/h2>\n\n\n\n<p>Kinnisvara hindamise teenus s\u00f5ltub kahest peamisest asjaolust: <\/p>\n\n\n\n<ul>\n<li>kinnisvara asukohast<\/li>\n\n\n\n<li>kinnisvara t\u00fc\u00fcbist<\/li>\n<\/ul>\n\n\n\n<p>Erinevate kinnisvarab\u00fcroode hindamisteenus on suhteliselt sama hinnaklassiga.<\/p>\n\n\n\n<p><strong>Siin on n\u00e4iteks 4 suure Eesti kinnisvarab\u00fcroo t\u00fc\u00fcphinnad:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><\/td><td><strong>T\u00fc\u00fcpkorter Tallinnas<\/strong><\/td><td><strong>Eramu Tallinnas<\/strong><\/td><td><strong>Korter Tartus<\/strong><\/td><td><strong>Eramu Tartus<\/strong><\/td><td><strong>Korter P\u00e4rnus<\/strong><\/td><td><strong>Eramu Viljandis<\/strong><\/td><\/tr><tr><td><strong>Uus Maa<\/strong><\/td><td>255\u20ac<\/td><td>420\u20ac<\/td><td>230\u20ac<\/td><td>320\u20ac<\/td><td>200\u20ac<\/td><td>350\u20ac<\/td><\/tr><tr><td><strong>Domus<\/strong><\/td><td>240\u20ac<\/td><td>370\u20ac<\/td><td>220\u20ac<\/td><td>320\u20ac<\/td><td>190\u20ac<\/td><td>350\u20ac<\/td><\/tr><tr><td><strong>Arco Vara<\/strong><\/td><td>260\u20ac<\/td><td>420\u20ac<\/td><td>230\u20ac<\/td><td>330\u20ac<\/td><td>210\u20ac<\/td><td>350\u20ac<\/td><\/tr><tr><td><strong>Pindi<\/strong><\/td><td>255\u20ac<\/td><td>410\u20ac<\/td><td>220\u20ac<\/td><td>320\u20ac<\/td><td>180\u20ac<\/td><td>290\u20ac<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Andmed september 2023 seisuga. Pea meeles, et hinnad v\u00f5ivad varieeruda vastavalt olukorrale. Tabelis on toodud vaid n\u00e4itlikud andmed. Tutvu kinnisvarab\u00fcroode kogu hinnakirjaga nende kodulehtedel.<\/figcaption><\/figure>\n\n\n\n<p>Olenevalt aga sellest, kas hindaja peab s\u00f5itma asulast kaugele (ehk kas lisandub s\u00f5idukulu), millises maakonnas kinnisvara asub ning millise raskusastmega tegemist on &#8211; korteri, suvila, taluga &#8211; s\u00f5ltub ka l\u00f5plik hindamisakti hind. <\/p>\n\n\n\n<p>K\u00f5igest sellest s\u00f5ltuvalt v\u00f5ib kinnisvara hindamisakti hind olla <strong>150 &#8211; 500 euro vahemikus<\/strong>. Suurte talude, \u00e4ripindade jm erijuhtude puhul on hind kokkuleppeline.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>Kui soovid leida k\u00f5ige soodsama hindamisakti, siis vaata, millised hindajad on laenuandja poolt tunnustatud ning v\u00f5rdle hindajate hinnakirju, mis on enamjaolt alati avalikult k\u00e4ttesaadavad.<\/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=Array&\" data-slider-url=\"https:\/\/financer.ee\/tulemused?query=1&non_affiliate=true&param_amount=4000&param_period=Array&\" data-required=\"tulemused?query=1non_affiliate=true&param_amount=4000&param_period=Array&\" class=\"get_results compare button is-primary is-medium is-rounded\">Vaata laenupakkumisi<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Millest_kinnisvara_hindamine_koosneb\">Millest kinnisvara hindamine koosneb?<\/h2>\n\n\n\n<p>Kinnisvara hindamine ei k\u00e4i p\u00e4ris nii, et mingi tore onu v\u00f5i t\u00e4di tuleb sulle k\u00fclla, vaatab nukralt tapeeti ning paneb siis suvalise hinna kirja.<\/p>\n\n\n\n<p>Hindamisakti koostamine on detailit\u00e4pne tegevus, mida <strong>teostavad kutselised hindajad<\/strong>. Hindamisaruanne pannakse kokku <strong>vastavalt standardile EVS 875<\/strong>.<\/p>\n\n\n\n<p>M\u00f5ned t\u00f6\u00f6d, mis kuuluvad kinnisvara hindamise protsessi juurde, on n\u00e4iteks j\u00e4rgnevad:<\/p>\n\n\n\n<ul>\n<li>Objekti \u00fclevaatamine;<\/li>\n\n\n\n<li>Objekti algandmete kogumine;<\/li>\n\n\n\n<li>Turuanal\u00fc\u00fcs;<\/li>\n\n\n\n<li>V\u00f5rdlusandmete hankimine ja konsulteerimine;<\/li>\n\n\n\n<li>Hindamisaruande vormistamine, sh kasutades hindamismeetodeid;<\/li>\n\n\n\n<li>Kvaliteedikontroll;<\/li>\n\n\n\n<li>Muud lisatoimingud nagu n\u00e4iteks hindamisakti l\u00f5plik vormistamine, pangale esitamine, paberkandja puhul akti k\u00f6itmine ja paberformaadis vormistamine.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>P\u00e4rast seda, kui hindaja k\u00e4ib objekti k\u00fclastamas, v\u00f5tab l\u00f5pliku hindamisakti k\u00e4ttesaamine aega ca 2-3 p\u00e4eva, olenevalt olukorrast.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Milliseid_dokumente_on_vaja_hindamisakti_jaoks\">Milliseid dokumente on vaja hindamisakti jaoks?<\/h2>\n\n\n\n<p>Hindamisakti tellimine ja sellega seotud dokumendid s\u00f5ltub eelk\u00f5ige kinnisvara t\u00fc\u00fcbist. Laias laastus on <strong>vaja hindajale aga esitada j\u00e4rgnevad 3 dokumenti<\/strong>:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li>\n<p>V\u00e4ljav\u00f5te kinnistusraamatust<\/p>\n<\/li><li>\n<p>Elamu plaan (korteri plaan, elamu\/majaosa projekt, asendiplaan vms)<\/p>\n<\/li><li>\n<p>Kehtivad \u00fc\u00fcri\/rendilepingud v\u00f5i kohustused, millega objekt seotud on<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Suuremas osas peakski nendest kolmest piisama. Dokumendid tasuks valmis varuda juba kohe enne hindamisakti tellimist: seda sujuvam on suhtlus hindajaga ning seda v\u00e4hem on hiljem segadust v\u00f5i viivitusi.<\/p>\n\n\n<h3 id=\"Kuidas_kinnisvara_hindamisakti_tellimine_kib\">Kuidas kinnisvara hindamisakti tellimine k\u00e4ib?<\/h3><div class=\"howto_desc\">Kinnisvara hindamisakti tellimine on tegelikult sinu kui kliendi jaoks lihtsamast lihtsam protsess: hindaja teeb kogu t\u00f6\u00f6 \u00e4ra ning loodud hindamisakti alusel saad pangast laenu, vastavalt aktis olevale summale.\nSiin on kiire \u00fclevaade sellest, milline hindamisakti protsess olla v\u00f5ib:<\/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=\"Teed-kinnisvaraburoole-paringu-ja-saad-esmase-vastuse\">Teed kinnisvarab\u00fcroole p\u00e4ringu ja saad esmase vastuse<\/h3>K\u00f5igepealt pead \u00fchendust v\u00f5tma sobiva kinnisvarab\u00fcrooga, kes teostaks hindamise.\u00a0\nK\u00f5ik Eesti suuremad kinnisvarab\u00fcrood tegelevad sellega. Lisaks,<strong> igal pangal on nimekiri aktsepteeritud kinnisvarab\u00fcroodest.<\/strong> Kui tahad saada laenu kindlast pangast, kasuta just seda nimekirja ning v\u00f5ta \u00fchendust mainitud b\u00fcroodega.\nB\u00fcroo annab sinu kirja peale sulle oma esmase arvamuse, t\u00e4psustab hindu ning r\u00e4\u00e4gib protsessist l\u00e4hemalt.<\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Samm 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Hindaja-kulastab-objekti\">Hindaja k\u00fclastab objekti<\/h3>Kui oled suhtluse k\u00e4igus k\u00f5ik baasandmed paika pannud, lepib hindaja sinuga kokku aja objekti k\u00fclastamiseks. Seej\u00e4rel tulebki hindaja kohale, et objekti f\u00fc\u00fcsiliselt n\u00e4ha ning panna paika t\u00e4psemad andmed.<\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Samm 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Kinnisvaraburoo-teostab-analuusi\">Kinnisvarab\u00fcroo teostab anal\u00fc\u00fcsi<\/h3>J\u00e4rgmiseks tegutseb hindaja metoodiliselt ning anal\u00fc\u00fcsib nii turuolukorda, objekti ennast kui ka muid faktoreid.\u00a0<\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Samm 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Kinnisvaraburoo-koostab-lopliku-eksperthinnangu\">Kinnisvarab\u00fcroo koostab l\u00f5pliku eksperthinnangu<\/h3>Kui anal\u00fc\u00fcs on teostatud, vormistatakse l\u00f5plik eksperthinnang, mis saadetakse nii sulle kui ka pangale &#8211; sellega ongi protsess valmis. Eksperthinnang pannakse \u00fcldiselt kokku paari p\u00e4eva jooksul p\u00e4rast objekti k\u00fclastust.<\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kust_saada_tasuta_kinnisvara_hindamine\">Kust saada tasuta kinnisvara hindamine?<\/h2>\n\n\n\n<p>Teadup\u00e4rast on olemas<strong> kahte liiki kinnisvaralaene<\/strong>: <a href=\"https:\/\/financer.ee\/laenud\/hupoteeklaen\/kodulaen\/\" data-type=\"page\" data-id=\"5646\">klassikalised kodulaenud<\/a> ehk pangapoolsed eluasemelaenud ja <a href=\"https:\/\/financer.ee\/laenud\/hupoteeklaen\/laen-kinnisvara-tagatisel\/\" data-type=\"page\" data-id=\"5648\">laenud kinnisvara tagatisel<\/a> ehk h\u00fcpoteeklaenud.<\/p>\n\n\n\n<p>Sellega seoses tuleks meeles pidada kahte stsenaariumi:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>Kui tahad saada laenu pangast, siis palub pank sul esitada ametliku hindaja koostatud hindamisakti, mis pole vanem kui 6-12 kuud. See t\u00e4hendab, et pead ise tellima hindamisakti kinnisvarab\u00fcroost.<\/p>\n<\/li><li>\n<p>Kui tahad saada h\u00fcpoteeklaenu m\u00f5nest laenufirmast (v\u00f5ib-olla ei soovi sa nt pangalaenu parasjagu), on v\u00f5imalik, et laenufirma enda spetsialist teeb ise hindamise. See t\u00e4hendab, et kinnisvara hindamine on tasuta sinu jaoks.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Need ei ole m\u00f5istagi kindlad reeglid. On olukordi, kus sobib ikkagi ainult ametliku kutsestandardiga hindaja koostatud hindamisakt ja on j\u00e4llegi olukordi, kus laenupakkuja lubab ise hindamise \u00e4ra korraldada.<\/p>\n\n\n\n<p>Siin on kiire \u00fclevaade sellest, millised on <strong>erinevate Eesti h\u00fcpoteeklaenude tingimused<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>Laenuandja<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img decoding=\"async\" width=\"150\" height=\"36\" class=\"wp-image-26914\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/7\/2022\/01\/clementer-ou-laen-kinnisvara-tagatisel.png\" alt=\"clementer ou\u0308 laen kinnisvara tagatisel\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-28110\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/7\/2015\/09\/bigbank-laenud.png\" alt=\"bigbank laenud\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2015\/09\/bigbank-laenud.png 586w, https:\/\/financer.global\/app\/uploads\/sites\/7\/2015\/09\/bigbank-laenud-300x92.png 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img decoding=\"async\" width=\"150\" height=\"40\" class=\"wp-image-28066\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/7\/2017\/10\/eesti-hoius-logo.png\" alt=\"eesti hoius logo\"><\/td><td><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-43958\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/7\/2016\/07\/omega-laen-kinnisvaralaenud.png\" alt=\"omega laen kinnisvaralaenud\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2016\/07\/omega-laen-kinnisvaralaenud.png 586w, https:\/\/financer.global\/app\/uploads\/sites\/7\/2016\/07\/omega-laen-kinnisvaralaenud-300x92.png 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><td><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-28798\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/7\/2022\/07\/omalaen-laen-kinnisvara-tagatisel.png\" alt=\"omalaen laen kinnisvara tagatisel\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2022\/07\/omalaen-laen-kinnisvara-tagatisel.png 586w, https:\/\/financer.global\/app\/uploads\/sites\/7\/2022\/07\/omalaen-laen-kinnisvara-tagatisel-300x92.png 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><\/tr><tr><td><strong>Hindamisakti n\u00f5ue<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">V\u00f5ib teostada nende spetsialist<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ametliku hindaja koostatud akt (mitte vanem kui 12 kuud)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pindi, Arco Vara, Uus Maa v\u00f5i Ober-Hausi hindamisakt<\/td><td>Tuleb ise tellida kinnisvara hindamisakt<\/td><td>V\u00f5ib teostada nende spetsialist tasuta<\/td><\/tr><tr><td><strong>Laenuintress<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Al 10% aastas<\/td><td class=\"has-text-align-center\" data-align=\"center\">Al 3,5% + Euribor<\/td><td class=\"has-text-align-center\" data-align=\"center\">Al 12% aastas<\/td><td>Al 9,9% + 6 kuu Euribor<\/td><td>Al 16% aastas<\/td><\/tr><tr><td><strong>Laenusumma<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">5000 &#8211; 100\u202f000\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">15 000 &#8211; 250 000\u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">Alates 5000\u20ac<\/td><td>2000 &#8211; 1 500 000\u20ac<\/td><td>2000 &#8211; 300 000\u20ac<\/td><\/tr><tr><td><strong>Laenusumma ulatus<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Kuni 70% tagatise turuv\u00e4\u00e4rtusest<\/td><td class=\"has-text-align-center\" data-align=\"center\">Kuni 85% tagatise turuv\u00e4\u00e4rtusest<\/td><td class=\"has-text-align-center\" data-align=\"center\">Kuni 70% tagatise turuv\u00e4\u00e4rtusest<\/td><td>Kuni 75% tagatise turuv\u00e4\u00e4rtusest<\/td><td>Kuni 70% tagatise turuv\u00e4\u00e4rtusest<\/td><\/tr><tr><td><strong>Lisainfo<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ee\/ettevote\/clementer\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Clementeri koduleht<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ee\/ettevote\/bigbank\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Bigbanki koduleht<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/financer.ee\/ettevote\/pohja-eesti-hoiu-laenuuhistu\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Eesti Hoiuse koduleht<\/a><\/td><td><a href=\"https:\/\/financer.ee\/ettevote\/omega-laen\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Omega Laenu koduleht<\/a><\/td><td><a href=\"https:\/\/financer.ee\/ettevote\/omalaen\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Omalaenu koduleht<\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pea silmas, et andmed v\u00f5ivad muutuda. Tegemist on \u00fcksnes h\u00fcpoteeklaenude \u00fclevaatega. T\u00e4psema info jaoks uuri kindlasti vastava laenupakkuja kodulehel olevaid tingimusi.<\/figcaption><\/figure>\n\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_mida_kinnisvara_hindamisel_meeles_pidada\">Kokkuv\u00f5tteks: mida kinnisvara hindamisel meeles pidada?<\/h2>\n\n\n\n<p>Nagu n\u00e4ed ka \u00fclaltoodud tabelist, v\u00f5ib kinnisvara hindamine olla k\u00fcll sinu kui kinnisvara omaniku jaoks lihtne, ent samas on see n\u00fcansirikas protsess.<\/p>\n\n\n\n<p>Kui korteri hindamine v\u00f5ib maksta olenevalt piirkonnast ja korteri t\u00fc\u00fcbist 250\u20ac, siis eramu hindamine v\u00f5ib juba maksta 400\u20ac. Ka piirkonniti on erinevused suured.<\/p>\n\n\n\n<p>Samuti <strong>tasub hoolikalt v\u00f5rrelda kinnisvarab\u00fcroosid<\/strong>: lisaks erinevatele t\u00f6\u00f6v\u00f5tetele v\u00f5ib ka hind olla m\u00f5nev\u00f5rra erinev.<\/p>\n\n\n\n<p><strong>Hoida kindlasti meeles j\u00e4rgnevaid m\u00f5tteterasid:<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><ul>\n<li>V\u00f5ta \u00fchendust mitme kinnisvarab\u00fcrooga. Suhtle nendega ja v\u00f5rdle tingimusi &#8211; niimoodi leiad endale sobiva hindaja. \u00c4ra karda v\u00f5tta paar p\u00e4eva aega, et hindajaid ja hindamisteenust natuke v\u00f5rrelda.<\/li>\n<li>Pane omalt poolt valmis k\u00f5ik vajalikud dokumendid, niimoodi muudad protsessi sujuvamaks.<\/li>\n<li>Kui sul on kavas kinnisvara m\u00fc\u00fca, tasub kinnisvara hindamisakt igal juhul ise juba tellida. See v\u00f5ib olla hea kasv\u00f5i ise selguse saamiseks: saad teada, kui v\u00e4\u00e4rtuslik su kinnisvara on. Pealegi, siis on sul juba hindamisakt olemas, et see esitada erinevatele laenuandjatele.<\/li>\n<\/ul><\/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\/hupoteeklaen\/\" class=\"button  is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Otsid kinnisvaralaenu? Leia siit sobiv h\u00fcpoteeklaen<\/a><\/div>","protected":false},"author":28,"featured_media":78841,"comment_status":"open","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,"footnotes":""},"categories":[1],"_links":{"self":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/wiki\/2956"}],"collection":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/types\/wiki"}],"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=2956"}],"version-history":[{"count":46,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/wiki\/2956\/revisions"}],"predecessor-version":[{"id":46173,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/wiki\/2956\/revisions\/46173"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/media\/78841"}],"wp:attachment":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/media?parent=2956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/categories?post=2956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}