{"id":2644,"date":"2019-01-30T17:53:04","date_gmt":"2019-01-30T15:53:04","guid":{"rendered":"https:\/\/financer.com\/ee\/?post_type=company_single&#038;p=2644"},"modified":"2024-01-18T01:17:38","modified_gmt":"2024-01-17T23:17:38","slug":"hupoteeklaen","status":"publish","type":"company_single","link":"https:\/\/financer.com\/ee\/ettevote\/hupoteeklaen\/","title":{"rendered":"H\u00fcpoteeklaen"},"content":{"rendered":"\n<p>H\u00fcpoteeklaen AS on vaieldamatult \u00fcks k\u00f5ige tuntumaid Eesti h\u00fcpoteeklaenu v\u00e4ljastajaid, kes on paljudele tuntud \u00fcle Eesti asuvate laenukontorite poolest: ettev\u00f5te on esindatud Eesti neljas suurimas linnas ehk Tallinnas, Tartus, P\u00e4rnus ja Narvas. <\/p>\n\n\n\n<p><strong>H\u00fcpoteeklaen AS<\/strong> <strong>v\u00e4ljastab laene ainult kinnisvara tagatisel<\/strong>. Mistahes laenu saamiseks Hypoteeklaen.ee portaalis on vaja omada kinnisvara, <strong>mille v\u00e4\u00e4rtus on v\u00e4hemalt 10 000 eurot<\/strong>.<\/p>\n\n\n<h3>H\u00fcpoteeklaen AS laenud:<\/h3><br><ul><li>Laen kinnisvara tagatisel eraisikule<\/li><li><\/li><li>Koduvahetuslaen<\/li><li>Laenu refinantseerimine<\/li><li>\u00c4rilaen<\/li><li>Projektilaen<\/li><li>Remondilaen<\/li><li>Kasvulaen<\/li><li>Arenduslaen<\/li><\/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\/hupoteeklaen\/redirect\/\" class=\"button is-light is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\" rel=\"sponsored nofollow\">Taotle h\u00fcpoteeklaenu<\/a><\/div>\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tH\u00fcpoteeklaenust l\u00e4hemalt\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Hpoteeklaen_AS_laen_kinnisvara_tagatisel\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ee\/ettevote\/hupoteeklaen\/#Hpoteeklaen_AS_laen_kinnisvara_tagatisel\">\n\t\t\t\t\t\t\tH\u00fcpoteeklaen AS laen kinnisvara tagatisel\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Milline_kinnisvara_sobib_tagatiseks\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ee\/ettevote\/hupoteeklaen\/#Milline_kinnisvara_sobib_tagatiseks\">\n\t\t\t\t\t\t\tMilline kinnisvara sobib tagatiseks?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Mille_jaoks_vib_hpoteeklaenu_kasutada\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ee\/ettevote\/hupoteeklaen\/#Mille_jaoks_vib_hpoteeklaenu_kasutada\">\n\t\t\t\t\t\t\tMille jaoks v\u00f5ib h\u00fcpoteeklaenu kasutada?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Laenu_refinantseerimine_Hpoteeklaenuga\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">4.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ee\/ettevote\/hupoteeklaen\/#Laenu_refinantseerimine_Hpoteeklaenuga\">\n\t\t\t\t\t\t\tLaenu refinantseerimine H\u00fcpoteeklaenuga\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Hpoteeklaen_AS_rilaen\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">5.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ee\/ettevote\/hupoteeklaen\/#Hpoteeklaen_AS_rilaen\">\n\t\t\t\t\t\t\tH\u00fcpoteeklaen AS \u00e4rilaen\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hpoteeklaen_AS_laen_kinnisvara_tagatisel\">H\u00fcpoteeklaen AS laen kinnisvara tagatisel<\/h2>\n\n\n\n<p>H\u00fcpoteeklaen AS tegeleb eelk\u00f5ige eraisikutele m\u00f5eldud laenudega, andes laenu kinnisvara tagatisel. <strong>Ainus viis, kuidas H\u00fcpoteeklaen AS-ist laenu saada, on kinnisvara tagatis.<\/strong> Kui sul kinnisvara tagatist pole, ei ole laenu v\u00f5imalik saada.<\/p>\n\n\n\n<p><meta charset=\"utf-8\">See t\u00e4hendab, et laenu saamiseks peab olema laenusoovijal kinnisvara, mida oleks v\u00f5imalik tagatiseks seada ehk oleks v\u00f5imalik seada h\u00fcpoteek. <\/p>\n\n\n\n<p><strong>Siin on m\u00f5ned olulised tingimused, mis on seotud H\u00fcpoteeklaen AS-i kinnisvaralaenuga:<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>Laenu intress:<\/strong> alates 9%<\/p>\n<\/li><li>\n<p><strong>Laenusumma: <\/strong>alates 2000 eurot, kuni 75% kinnisvara turuv\u00e4\u00e4rtusest<\/p>\n<\/li><li>\n<p><strong>Laenuperiood:<\/strong> kuni 20 aastat<\/p>\n<\/li><li>\n<p><strong>Sobiv kinnisvara:<\/strong> mistahes krunt Eestis, sealhulgas ka metsamaa. Tagatise v\u00e4\u00e4rtus peab olema v\u00e4hemalt 10 000 eurot<\/p>\n<\/li><li>\n<p><strong>Maksepuhkus: <\/strong>kuni 12-kuune t\u00e4ismaksepuhkus<\/p>\n<\/li><li>\n<p>Laenu v\u00f5ib saada ka <strong>makseh\u00e4irete<\/strong> korral<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Hpoteeklaenu_intress\">H\u00fcpoteeklaenu intress<\/h3>\n\n\n\n<p>Intressim\u00e4\u00e4r ei pruugi olla kindlapeale 9%. See on <strong>madalaim intressim\u00e4\u00e4r.<\/strong><\/p>\n\n\n\n<p>Intress s\u00f5ltub kahest faktorist: sinu <strong>tagatisvara<\/strong> asukoht, v\u00e4\u00e4rtus ja \u00fcldine seisukord ning sinu <strong>sissetuleku<\/strong> suurus ja \u00fcldine krediidiajalugu. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>Sestap n\u00e4iteks v\u00f5ib saada soodsama intressi inimene, kellel on sinu koduga samav\u00e4\u00e4rne tagatisvara, kuid t\u00e4iesti puhas krediidiajalugu, samas kui sa v\u00f5id saada k\u00f5rgema intressi, kui sul on m\u00f5ned makseh\u00e4ired olnud viimaste aastate jooksul v\u00f5i kui sinu tagatisvara pole nii v\u00e4\u00e4rtuslik.<\/div>\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 = 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{\n\t\t\t\t\tmyChart_echarts.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n\n<p>\u00dclaloleva tabeli j\u00e4rgi on k\u00fcll H\u00fcpoteeklaen AS pakkumine m\u00f5nev\u00f5rra k\u00f5rgema intressiga n\u00e4iteks suurpankadest, ent on olukordi, kus <a href=\"https:\/\/financer.com\/ee\/laenud\/pangalaen\/\" data-type=\"page\" data-id=\"9922\">pangalaenud<\/a> ei pruugi h\u00e4sti sobida.<\/p>\n\n\n\n<p>H\u00fcpoteeklaen AS l\u00f6\u00f6b eelk\u00f5ige oma <strong>kiiruse, mugavuse ja paindlikkuse poolest<\/strong>. Laenu saab sisuliselt igale kinnisvarale, mis Eestis on. <\/p>\n\n\n\n<p>Pea meeles, et pangad v\u00f5ivad olla v\u00e4ga karmid ning iga kinnisvara ei sobi tagatiseks. Vahel ei sobi tagatiseks isegi v\u00e4ikelinnades asuv kinnisvara.<\/p>\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.com\/ee\/ettevote\/hupoteeklaen\/redirect\/\" class=\"button is-light is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\" rel=\"sponsored nofollow\">Taotle h\u00fcpoteeklaenu<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Milline_kinnisvara_sobib_tagatiseks\">Milline kinnisvara sobib tagatiseks?<\/h2>\n\n\n\n<p>Sisuliselt sobib tagatiseks igasugune kinnisvara, mis on kantud kinnisturaamatusse.<strong> Selleks v\u00f5ib olla korter, maja, suvila v\u00f5i kas v\u00f5i t\u00e4iesti t\u00fchi maalapp.<\/strong><\/p>\n\n\n\n<p>Iseenesest on valmis H\u00fcpoteeklaen tagama laenu ka nende kinnisvarade puhul, mis asuvad v\u00e4ljaspool suuremaid linnu, kuid ettev\u00f5te on maininud, et nende peamine fookus on siiski <strong>Tallinn, Tartu, Narva ja P\u00e4rnu<\/strong> ning nad suhtuvad pisut konservatiivsemalt teistesse rajoonidesse.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><strong>Hea teada:<\/strong>\nKui sul on juba kodulaen, siis see ei takista h\u00fcpoteeklaenu saamist. Tegelikult oleneb k\u00f5ik sellest, kui palju on sinu kinnisvara v\u00e4\u00e4rt ning kui palju oled juba kodulaenu tasunud. H\u00fcpoteeklaenu v\u00f5id saada vaba summa ulatuses.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Mille_jaoks_vib_hpoteeklaenu_kasutada\">Mille jaoks v\u00f5ib h\u00fcpoteeklaenu kasutada?<\/h2>\n\n\n\n<p>M\u00f6\u00f6das on ajad, mil pidid aru andma selle osas, mida laenurahaga teed. H\u00fcpoteeklaenu puhul ei ole absoluutselt mitte mingit vahet, mida sa laenusummaga ette v\u00f5tad. <\/p>\n\n\n\n<p>K\u00f5ige levinumalt kasutatakse h\u00fcpoteeklaenu n\u00e4iteks selleks, et:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>tasuda ravikulusid;<\/p>\n<\/li><li>\n<p>tasuda \u00e4ra teised laenukohustused (ehk refinantseerida);<\/p>\n<\/li><li>\n<p>teha kodus remonti;<\/p>\n<\/li><li>\n<p>osta uus auto, sisustus v\u00f5i midagi muud vajalikku;<\/p>\n<\/li><li>\n<p>osta uut kinnisvara;<\/p>\n<\/li><li>\n<p>minna reisile, panustada haridusse v\u00f5i alustada ettev\u00f5tet.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>See, mida sa t\u00e4pselt ette v\u00f5tad, on t\u00e4iesti sinu otsustada! K\u00f5ige olulisem on see, et tasud laenu \u00f5igeaegselt ja vastavalt maksegraafikule.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Laenu_refinantseerimine_Hpoteeklaenuga\">Laenu refinantseerimine H\u00fcpoteeklaenuga<\/h2>\n\n\n\n<p>Lisaks tavap\u00e4rastele tagatislaenudele pakub H\u00fcpoteeklaen ka v\u00f5imalust lahendada olemasolevad kohustused <a href=\"https:\/\/financer.com\/ee\/laenud\/laenu-refinantseerimine\/\">refinantseerimislaenu<\/a> n\u00e4ol.<\/p>\n\n\n\n<p>Refinantseerimislaenuga saad uue laenu, mille eest pead \u00e4ra maksma olemasolevad laenud. <strong>Just refinantseerimise eesm\u00e4rgil saavad taotleda laenu ka makseh\u00e4irega inimesed.<\/strong><\/p>\n\n\n\n<p>Laenu refinantseerimine on saadaval nii eraisikutele kui ka ettev\u00f5tetele ning \u00fcldised tingimused on k\u00f5ik samad, mis tavalisel kinnisvaralaenul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hpoteeklaen_AS_rilaen\">H\u00fcpoteeklaen AS \u00e4rilaen<\/h2>\n\n\n\n<p>Lisaks eraisikutele aitab H\u00fcpoteeklaen AS finantseerida ka ettev\u00f5tteid, andes \u00e4rilaenu kinnisvara tagatisel. <\/p>\n\n\n\n<p><strong>Eestis registreeritud AS, O\u00dc, FIE v\u00f5i MT\u00dc v\u00f5ib taotleda laenu kuni 2 000 000 euro ulatuses kuni 15-aastase perioodiga<\/strong>. Tingimused tagatisele on t\u00e4pselt samad, mis tavalisel kinnisvaralaenul.<\/p>\n\n\n\n<p>Lisaks peab ettev\u00f5te olema esitanud viimase majandusaasta aruande ning ettev\u00f5tte omakapital peab vastama seadusele.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Hpoteeklaenu_kasvulaen\">H\u00fcpoteeklaenu kasvulaen<\/h3>Lisaks tavalisele \u00e4rilaenule pakub H\u00fcpoteeklaen ka erilist kasvulaenu mikroettev\u00f5tetele, kuni 25 000 euro ulatuses. Kasvulaenu saavad mikroettev\u00f5tted: need, kellel on kuni 9 t\u00f6\u00f6tajat ja k\u00e4ive kuni 2 miljonit eurot.<\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Hpoteeklaen_AS_korduma_kippuvad_ksimused\">H\u00fcpoteeklaen AS korduma kippuvad k\u00fcsimused<\/h3><h4>Kui pikk on laenuperiood?<\/h4><div class=\"faq_inner\">Maksimaalselt 240 kuud ehk 20 aastat.<\/div><h4>Kas laenu saab ka k\u00e4endusel?<\/h4><div class=\"faq_inner\">Ei, H\u00fcpoteeklaen AS annab laenu ainult kinnisvara tagatisel.<\/div><h4>Kas pension\u00e4r v\u00f5ib ka saada h\u00fcpoteeklaenu?<\/h4><div class=\"faq_inner\">Jah, v\u00f5ib k\u00fcll! H\u00fcpoteeklaen AS ei ole seadnud laenuv\u00f5tja vanusele piire.<\/div><h4>Milline sissetulek sobib H\u00fcpoteeklaenu taotlemiseks?<\/h4><div class=\"faq_inner\">H\u00fcpoteeklaen AS aktsepteerib j\u00e4rgnevaid sissetulekuliike: t\u00f6\u00f6tasu; pension; renditulu; lastetoetused ja muud riiklikud toetused; elatis; stipendium; intressitulu; dividendid; ettev\u00f5tlustulu.<\/div><h4>Kas makseh\u00e4irega saab h\u00fcpoteeklaenu?<\/h4><div class=\"faq_inner\">Jah, H\u00fcpoteeklaen AS annab laenu ka makseh\u00e4iretega inimestele, kuid tingimusel, et laenusumma eest tasutakse v\u00f5lgnevused.<\/div><h4>Milline tagatis sobib laenu saamiseks?<\/h4><div class=\"faq_inner\">Tagatiseks v\u00f5ib olla mistahes kinnisvara \u00fcle kogu Eesti, sealhulgas isegi lihtsalt maalapp. Tagatise minimaalne v\u00e4\u00e4rtus peab olema 10 000 eurot.<\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><strong data-rich-text-format-boundary=\"true\">Kas sul on kokkupuuteid olnud H\u00fcpoteeklaen AS-i teenustega? Kui nii, j\u00e4ta ka allpool oleva kommentaarifunktsiooni kaudu oma arvustus!<\/strong><\/div>","protected":false},"author":28,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","company_type":[4,3],"overall_rating":"4.05208333","_links":{"self":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/2644"}],"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=2644"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/2644\/revisions"}],"predecessor-version":[{"id":45581,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_single\/2644\/revisions\/45581"}],"wp:attachment":[{"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/media?parent=2644"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/ee\/wp-json\/wp\/v2\/company_type?post=2644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}