{"id":1113,"date":"2016-01-19T10:41:14","date_gmt":"2016-01-19T10:41:14","guid":{"rendered":"https:\/\/financer.com\/ee\/?post_type=company_single&#038;p=1113"},"modified":"2024-04-19T20:34:04","modified_gmt":"2024-04-19T17:34:04","slug":"tf-bank","status":"publish","type":"company_single","link":"https:\/\/financer.com\/ee\/ettevote\/tf-bank\/","title":{"rendered":"TF Bank"},"content":{"rendered":"\n<p>TF Bank on Rootsis registreeritud pank, tegutsedes Eestis nime all TF Bank AB (publ.) Eesti filiaal. Ilmselt pole TF Bank laenud kellegi jaoks v\u00f5\u00f5rad: oleme k\u00f5ik n\u00e4inud reklaame, kus \u00f6eldakse, et tegemist on <strong>m\u00f5istlike laenudega m\u00f5istlikele inimestele.<\/strong><\/p>\n\n\n\n<p>TF Bank on n\u00f6 ni\u0161ipank, mis <strong>pakub ainult laenuteenuseid<\/strong>. Hetkeseisuga on TF Banki laenutoodete hulgas j\u00e4rgnevad v\u00f5imalused:<\/p>\n\n\n<h3><\/h3>\n<p><\/p>\n<ul>\n<li>v\u00e4ikelaen (kuni 20 000\u20ac)<\/li>\n<li>autolaen (kuni 20 000\u20ac)<\/li>\n<li>laenu refinantseerimine (kuni 20 000\u20ac)<\/li>\n<li>remondi-, tervise- ja reisilaen (kuni 20 000\u20ac)<\/li>\n<\/ul>\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/ee\/ettevote\/tf-bank\/redirect\/\" class=\"button is-light is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\" rel=\"sponsored nofollow\">Taotle TF Bank laenu<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3>TF Bank laenude korduma kippuvad k\u00fcsimused<\/h3><h4>Millised on TF Banki j\u00e4relmaksu tingimused?<\/h4><div class=\"faq_inner\">TF Bank j\u00e4relmaksu p\u00f5hitingimused on j\u00e4rgnevad:\n<ul>\n<li>kauba maksumus on kuni 7500\u20ac;<\/li>\n<li>intress ostusummalt alates 10%;<\/li>\n<li>j\u00e4relmaksuperiood kuni 60 kuud;<\/li>\n<li>makseh\u00e4ired puuduvad;<\/li>\n<li>iga kuu laekub p\u00fcsiv sissetulek isiklikule arvelduskontole.<\/li>\n<\/ul><\/div><h4>Kas TF Bank autolaen on tagatiseta?<\/h4><div class=\"faq_inner\">Jah, TF Bank autolaen on t\u00fc\u00fcpiline tagatiseta autolaen. S\u00f5iduk kuulub sulle, mitte TF Bankile ning masina vanus ei ole oluline. TF Banki autolaenuga v\u00f5id osta s\u00f5na otseses m\u00f5ttes mistahes s\u00f5iduki!<\/div><h4>Kui suur on TF Bank v\u00e4ikelaenu intress?<\/h4><div class=\"faq_inner\">TF Banki v\u00e4ikelaenu intress on aastas alates 7,9%, ent pea silmas, et pank teeb sulle personaalse pakkumise, vastavalt sinu rahalisele seisule (seega pakutav intress v\u00f5ib olla ka k\u00f5rgem).<\/div><h4>Kas TF Bank on usaldusv\u00e4\u00e4rne?<\/h4><div class=\"faq_inner\">TF Bank on tegelikult \u00fcks olulisel m\u00e4\u00e4ral tunnustatud laenuandjaid. Tegemist on suisa suuremasse kontserni kuuluva ettev\u00f5ttega, mis tegutseb \u00fcle kogu Euroopa. Samuti on TF Bank Eestis Finantsinspektsiooni poolt litsentseeritud ja registreeritud krediidiandja.<\/div><h4>Kuidas TF Bankiga kontakteeruda?<\/h4><div class=\"faq_inner\">TF Bankiga saad \u00fchendust otse nende kodulehel: seal on olemas isegi v\u00e4ike vestlusaken. Samuti v\u00f5id saata TF Bankile kirja aadressile info@tfbank.ee, samuti v\u00f5id pangale helistada numbril 6075775.<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"TF_Bank_vikelaen\">TF Bank v\u00e4ikelaen<\/h2>\n\n\n\n<p>TF Bank v\u00e4ikelaen on t\u00fc\u00fcpiline tagatiseta v\u00e4ikelaen, mille summa v\u00f5ib aga ulatuda <strong>20 000 euroni<\/strong>. <\/p>\n\n\n\n<p>\u00dchtlasi on pank tuntud selle poolest, et nende v\u00e4ikelaenu intress on m\u00e4rksa m\u00f5istlikum kui t\u00fc\u00fcpilisel v\u00e4ikelaenupakkujal.<\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"echarts\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_echarts = echarts.init(document.getElementById('echarts'));\n\t\t\tvar data_arr = [];\n\t\t\tvar val_arr = [];\n\t\t\tvar data_value = [\"17.92\",\"22.29\",\"27.24\",\"27.26\"];\n\t\t\tvar data_name = [\"Bigbank\",\"TF Bank\",\"Credit24\",\"Raha24\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; 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Reaalne kulukus s\u00f5ltub sinu isiklikust rahalisest olukorrast, seega ei pruugi sa saada k\u00f5ige madalama KKM-iga laenu ja samuti ei pruugi reaalsuses olla laenuandjate v\u00f5rdlus analoogne \u00fclaltooduga.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"TF_Bank_vikelaenu_phitingimused\">TF Bank v\u00e4ikelaenu p\u00f5hitingimused<\/h3><li>\n<p>Laenusumma: 1 000 &#8211; 20 000\u20ac<\/p>\n<\/li><li>\n<p>Laenuperiood: 12 &#8211; 84 kuud<\/p>\n<\/li><li>\n<p>Intress: alates 7,90%<\/p>\n<\/li><li>\n<p>Igakuine haldustasu (sisaldub kuumakses): 5,90\u20ac<\/p>\n<\/li><li>\n<p>Taotleja peab olema v\u00e4hemalt 21-aastane ja omama ametlikku sissetulekut (palk v\u00f5i pension)<\/p>\n<\/li><\/ul><\/div>\n\n<h3 id=\"Kuidas_TF_Bank_vikelaenu_taotleda\">Kuidas TF Bank v\u00e4ikelaenu taotleda<\/h3><div class=\"single-article__steps\"><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=\"Taida-laenutaotlus\">T\u00e4ida laenutaotlus<\/h3>Suundu TF Bank kodulehele ning t\u00e4ida laenutaotlus. Taotlusesse pead kirja panema oma isikuandmed, kontaktandmed, kohustuste summad ning laadima \u00fcles ka viimase 6 kuu pangakontode v\u00e4ljav\u00f5tted (bdoc-formaadis).<\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Samm 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Saad-kohe-eelotsuse-teada\">Saad kohe eelotsuse teada<\/h3>Kohe, kui oled taotluse t\u00e4itnud ja esitanud, saad juba teada eelotsuse. Kui eelotsus on negatiivne, siis pole paraku rohkem midagi teha. Kui otsus on aga positiivne, j\u00e4tkub laenuprotsess.<\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Samm 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"TF-Bank-edastab-sulle-laenulepingu\">TF Bank edastab sulle laenulepingu<\/h3>Kui said positiivse vastuse, saadab TF Bank sulle laenulepingu. Loe see korralikult l\u00e4bi enne allkirjastamist ja veendu, et oled t\u00f5esti 100% k\u00f5igega n\u00f5us. Arvesta sellega, et see leping on kogu laenusuhte (ja v\u00f5imalike vaidluste) alus.<\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag\" id=\"step_4\">Viimane samm<\/div>\n <div class=\"single-article__conclusion-item\">\n <div class=\"single-article__conclusion-content\">\n <\/p>Kui oled allkirjastanud lepingu, pead viimase sammuna ka tuvastama end Veriffi vahendusel (veebikaamera kaudu). Kui see on tehtud, makstaksegi v\u00e4ikelaen sulle v\u00e4lja.<\/p> <\/div>\n <\/div>\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.com\/ee\/ettevote\/tf-bank\/redirect\/\" class=\"button is-light is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\" rel=\"sponsored nofollow\">Taotle TF Bank laenu<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"TF_Bank_autolaen\">TF Bank autolaen<\/h2>\n\n\n\n<p>V\u00e4ikelaenule lisaks pakub TF Bank eraldi autolaenu, mille <strong>intress on v\u00e4ikelaenust soodsam &#8211; alates 5,9%. <\/strong>Ettev\u00f5te ise \u00fctleb suisa, et see on parem kui liising.<\/p>\n\n\n\n<p>Tegemist on <strong>tagatiseta autolaenuga<\/strong>, seega sinu auto ei l\u00e4he laenu tagatiseks. Sissemakse pole samuti vajalik.<\/p>\n\n\n\n<p>\u00d5igupooles on tegemist s\u00f5idukilaenuga: sa v\u00f5id osta mistahes s\u00f5iduki, olgu selleks auto, roller v\u00f5i ATV.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"TF_Bank_autolaenu_phitingimused\">TF Bank autolaenu p\u00f5hitingimused<\/h3><li>\n<p>Laenusumma: 1000 &#8211; 20 000\u20ac<\/p>\n<\/li><li>\n<p>Laenuperiood: 12 &#8211; 84 kuud<\/p>\n<\/li><li>\n<p>Intress: alates 5,9%<\/p>\n<\/li><li>\n<p>Lepingutasu: 5% laenusummast<\/p>\n<\/li><li>\n<p>Sissemakse 0\u20ac<\/p>\n<\/li><li>\n<p>Kuuhaldustasu: 5.90\u20ac<\/p>\n<\/li><li>\n<p>Auto kuulub sulle t\u00e4ielikult, kaskokindlustus pole kohustuslik<\/p>\n<\/li><li>\n<p>V\u00f5ib osta mistahes s\u00f5iduki &#8211; TF Bank ei hooli s\u00f5iduki t\u00fc\u00fcbist ega vanusest<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Autolaenu taotlusprotsess on t\u00e4pselt sama, mis v\u00e4ikelaenul &#8211; seega t\u00e4ida lihtsalt taotlus ja saadki kohe vastuse. Laen makstakse sulle pangakontole v\u00e4lja ja seej\u00e4rel v\u00f5id suunduda autot ostma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Laenude_refinantseerimine_TF_Bank_abil\">Laenude refinantseerimine TF Bank abil<\/h2>\n\n\n\n<p>TF Bank pakub erilist <strong>koondlaenu kuni 20 000 euro ulatuses<\/strong>, tavap\u00e4rase intressiga alates 7,9%. <\/p>\n\n\n\n<p>Selline laen on m\u00f5eldud \u00fcheks eesm\u00e4rgiks: kallite olemasolevate laenude \u00e4ramaksmiseks, et edaspidi maksta tagasi ainult \u00fchte laenu &#8211; soodsamat TF Banki refinantseerimislaenu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>TF Banki refinantseerimislaen on loodud selleks, et saaksid mugavalt tasuda vaid \u00fchte laenu ning ennetaksid v\u00f5lgnevuste tekkimist. Kuna TF Banki laenu intress v\u00f5ib olla ka soodsam, v\u00f5idad l\u00f5puks kuumaksetelt \u00fcsna kopsakalt, kui koondad v\u00e4iksed laenud kokku.<\/div>\n\n\n<p>Refinantseerimislaenu tingimused on muidu samad mis v\u00e4ikelaenul, aga positiivse eelotsuse korral <strong>pead saatma TF Bankile info laenude kohta, mida soovid refinantseerida<\/strong>.<\/p>\n\n\n\n<p>Pangale pead edastama n\u00e4iteks laenuandja nime, oma maksete viitenumbri ja isegi laenuandja IBAN-numbri.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div>Pane t\u00e4hele, et kuna tegemist on tagatiseta laenuga, ei saa sellist refinantseerimislaenu taotleda makseh\u00e4iretega inimesed. Samuti tasub kriitiliselt vaadata oma laenude tingimusi ja TF Banki pakkumist &#8211; kui intressivahe ei ole suur, ei pruugi refinantseerimine olla v\u00e4ga m\u00f5ttekas.\nKonsulteeri v\u00f5lan\u00f5ustajaga, et v\u00e4lja selgitada, kas koondlaen oleks sinu olukorras hea m\u00f5te.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"TF_Bank_remondi__reisi__ja_terviselaen\">TF Bank remondi-, reisi- ja terviselaen<\/h2>\n\n\n\n<p>TF Bank on eelk\u00f5ige tuntud <strong>tagatiseta v\u00e4ikelaenu<\/strong> poolest ning just seda kujutavad endast ka panga pakutavad remondilaen, terviselaen ja reisilaen.<\/p>\n\n\n\n<p>Ehkki TF Bank on k\u00f5ik need kolm laenu toonud v\u00e4lja eraldi kategoorias, on tegemist <strong>\u00fche ja sama v\u00e4ikelaenuga<\/strong>. Nende eesm\u00e4rk on lihtsalt erinev, st p\u00f5hjus, miks \u00fcldse laenu taotletakse.<\/p>\n\n\n\n<p>Sellise huvitava liigitusega n\u00e4itab aga TF Bank seda, et v\u00f5id taotleda v\u00e4ikelaenu mistahes eesm\u00e4rgil. Tahad minna reisile, vajad raha tervise jaoks v\u00f5i tahad teha kodus remonti? <\/p>\n\n\n\n<p>TF Banki v\u00e4ikelaenuga saab seda teha.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"TF_Bank_plussid_ja_miinused\">TF Bank plussid ja miinused<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p><strong>Saad vastuse kohe teada<\/strong>\u00a0\u2013 Kohe p\u00e4rast oma andmete esitamist n\u00e4idatakse sulle ekraanil n\u00f6 eelvastust, mis \u00fctleb kohe, kui sulle pole v\u00f5imalik laenu anda.\u00a0<\/p>\n<\/li><li>\n<p><strong>Pikk laenuperiood<\/strong> &#8211; TF Banki kuni 84-kuune laenuperiood on \u00fcks pikimaid v\u00e4ikelaenude hulgas.<\/p>\n<\/li><li>\n<p><strong>V\u00f5rdlemisi madal intress<\/strong> &#8211; V\u00e4ikelaenu intress on alates 7,9%, muutes selle \u00fcheks k\u00f5ige soodsamaks v\u00e4ikelaenuks Eestis.<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p><strong>Haldustasu \u2013\u00a0<\/strong>Erinevalt m\u00f5nest laenuandjast on TF Banki laenudel igakuine haldustasu 5.9\u20ac, mis lisatakse kuumaksele juurde.<\/p>\n<\/li><li>\n<p><strong>K\u00f5rge vanusepiir<\/strong> &#8211; Laenu ei saa alla 21-aastaselt.<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Millal_tasub_TF_Bank_vikelaen_end_ra\">Millal tasub TF Bank v\u00e4ikelaen end \u00e4ra?<\/h2>\n\n\n\n<p>TF Bank sobib pigem neile, kes soovivad v\u00f5tta suuremat v\u00e4ikelaenu, aga ilma tagatiseta. TF Banki laenud on <strong>tagatiseta v\u00e4ikelaenude hulgas \u00fched k\u00f5ige soodsamad<\/strong>, eriti t\u00e4nu pikale makseperioodile.<\/p>\n\n\n\n<p>Kuna laenutaotluse eelotsuse saad teada kohe, on kogu protsess ka \u00fclimalt kiire. Tagatiseta v\u00e4ikelaenuna on TF Bank Eesti laenupakkumised t\u00f5esti \u00fcpris m\u00f5istlikud. <\/p>\n\n\n\n<p>Siiski aga \u00e4ra unusta v\u00f5rrelda laenupakkumisi ning m\u00f5elda otsuse \u00fcle p\u00f5hjalikult &#8211; <strong>iga laenukohustus on t\u00f5sine kohustus, mis tuleb t\u00e4ita<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><em>Kas sul on kokkupuuteid TF Bankist laenamisega? Kui nii, <strong>anna oma kogemusest teada<\/strong> allpool oleva kommentaarifunktsiooni kaudu. Nii saavad ka teised huvilised teada, milline on reaalne kogemus TF Bankist laenates ning niiviisi saavad k\u00f5ik teha paremaid, informeeritumaid laenuotsuseid!\u00a0<\/em><\/div>","protected":false},"author":28,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","company_type":[3],"overall_rating":"4.21250000","_links":{"self":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/1113"}],"collection":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/comments?post=1113"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/1113\/revisions"}],"predecessor-version":[{"id":46207,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/1113\/revisions\/46207"}],"wp:attachment":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/media?parent=1113"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_type?post=1113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}