{"id":129,"date":"2009-12-05T00:34:32","date_gmt":"2009-12-04T22:34:32","guid":{"rendered":"http:\/\/www.rahakool.ee\/pere_eelarve\/?p=129"},"modified":"2009-12-05T00:36:44","modified_gmt":"2009-12-04T22:36:44","slug":"fikseerimata-euriboriga-laenude-intressimaar","status":"publish","type":"post","link":"https:\/\/www.rahakool.ee\/pere_eelarve\/fikseerimata-euriboriga-laenude-intressimaar","title":{"rendered":"Fikseerimata Euriboriga laenude intressim\u00e4\u00e4r"},"content":{"rendered":"<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright\" title=\"laenu protsent\" src=\"http:\/\/www.privatefleet.com.au\/images\/upload\/Image\/Media\/interest_rates1.jpg\" alt=\"\" width=\"264\" height=\"287\" \/><strong>T\u00e4pselt k\u00fcmne p\u00e4eva p\u00e4rast on j\u00e4lle k\u00e4es fikseerimata euribori m\u00e4\u00e4raga laenude intresside \u00fcle vaatamises kuup\u00e4ev, ehk siis 15.detsember.<\/strong><\/p>\n<p style=\"text-align: justify;\">Nagu me k\u00f5ik teame, siis on euribor vahepeal teinud veel l\u00e4bi m\u00f5ningase languse. Kui palju m\u00f5jutab see viimane 1.472% pealt n\u00e4iteks \u00fctleme 1% peale kukkumine kuiseid ja aastast tagasimakset siis, kui laenatud on n\u00e4iteks \u00fcks miljon (1 000 000) krooni?<\/p>\n<h2 style=\"text-align: justify;\">6 kuud tagasi:<\/h2>\n<p style=\"text-align: justify;\">Laenusumma: <strong>1 000 000 krooni<\/strong><br \/>\nLaenuperiood: <strong>25 aastat<\/strong><br \/>\nIntress: <strong>2.072% <\/strong>(panga marginaal 0.6%)<br \/>\nKuine tagasimakse: <strong>4 274 krooni<\/strong><\/p>\n<h2 style=\"text-align: justify;\">ja n\u00fc\u00fcd:<\/h2>\n<p style=\"text-align: justify;\">Laenusumma <strong>1 000 000 krooni<\/strong><br \/>\nLaenuperiood: <strong>25 aastat<\/strong><br \/>\nIntress: <strong>1.600%<\/strong> (see on n\u00e4ide, hetkel on euribor isegi natuke alla 1%)<br \/>\nKuine tagasimakse <strong>4047 krooni<\/strong><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #ff0000;\">S\u00e4\u00e4st kuus: <strong>227 kroon<\/strong><br \/>\nS\u00e4\u00e4st aastas: <strong>2724 krooni<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\">See s\u00e4\u00e4st pole n\u00fc\u00fcd k\u00fcll enam kuigi suur, sest proportsionaalselt avaldab euribori v\u00e4henemine n\u00fc\u00fcd palju v\u00e4hem m\u00f5ju intressim\u00e4\u00e4rale kui aasta tagasi n\u00e4iteks. Siiski on mul j\u00e4tkuvalt hea meel, et ta siiski on v\u00e4henenud. Tegelikult pole k\u00fcll reaalne, et ta sellisele tasemele pidama j\u00e4\u00e4b ja kindlasti hakkab ta t\u00f5usma \u00fclespoole tagasi niipea kui reaalmajanduses ka asjad v\u00e4hegi hoogu hakkavad sisse v\u00f5tma j\u00e4lle.<\/p>\n<p style=\"text-align: justify;\">Seniks nautigemgi siis neid ilusaid v\u00e4ikeseid intresse!<\/p>\n<p style=\"text-align: justify;\"><em>(arvutustes kasutasin Swedbank&#8217;i laenukalkulaatorit, T\u00e4nan Swedbank)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00e4pselt k\u00fcmne p\u00e4eva p\u00e4rast on j\u00e4lle k\u00e4es fikseerimata euribori m\u00e4\u00e4raga laenude intresside \u00fcle vaatamises kuup\u00e4ev, ehk siis 15.detsember. Nagu me k\u00f5ik teame, siis on euribor vahepeal teinud veel l\u00e4bi m\u00f5ningase languse. Kui palju m\u00f5jutab see viimane 1.472% pealt n\u00e4iteks \u00fctleme 1% peale kukkumine kuiseid ja aastast tagasimakset siis, kui laenatud on n\u00e4iteks \u00fcks miljon (1 &hellip; <a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/fikseerimata-euriboriga-laenude-intressimaar\" class=\"more-link\">Loe edasi <span class=\"screen-reader-text\">Fikseerimata Euriboriga laenude intressim\u00e4\u00e4r<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[73,12,28],"class_list":["post-129","post","type-post","status-publish","format-standard","hentry","category-volast_vabaks","tag-eluasemelaen","tag-laen","tag-swedbank"],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/129","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/comments?post=129"}],"version-history":[{"count":2,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/129\/revisions"}],"predecessor-version":[{"id":131,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/129\/revisions\/131"}],"wp:attachment":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/media?parent=129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/categories?post=129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/tags?post=129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}