{"id":13504,"date":"2019-05-17T17:00:13","date_gmt":"2019-05-17T14:00:13","guid":{"rendered":"http:\/\/www.kinnisvaraweb.ee\/blog\/?p=13504"},"modified":"2020-12-22T13:07:51","modified_gmt":"2020-12-22T10:07:51","slug":"uuriari-saladused-kas-uuriinvesteering-teha-omavahendite-voi-pangalaenu-arvelt","status":"publish","type":"post","link":"https:\/\/www.kinnisvaraweb.ee\/blog\/uuriari-saladused-kas-uuriinvesteering-teha-omavahendite-voi-pangalaenu-arvelt\/","title":{"rendered":"\u00dc\u00fcri\u00e4ri saladused: Kas \u00fc\u00fcriinvesteering teha omavahendite v\u00f5i pangalaenu arvelt?"},"content":{"rendered":"

\""Korter<\/a>K\u00e4siraamatu “Korter \u00fc\u00fcrile – n\u00e4rves\u00f6\u00f6v hobi v\u00f5i rikkuse allikas?<\/a>” autor ja Kinnisvarakool O\u00dc\u00a0\u00fc\u00fcrikoolituse<\/a> lektor T\u00f5nu Toompark annab n\u00f5u \u00fc\u00fcri\u00e4ri teemadel.<\/strong><\/p>\n

Kinnisvaraostu finantseerimise otsus s\u00f5ltub paljus otseselt investori sisemisest taotlusest ja tema n\u00e4gemusest \u00fc\u00fcri\u00e4rist. Loomulikult m\u00e4ngib suurt rolli, kas \u00fc\u00fcriinvestoril on investeeringu tegemiseks olemas omakapital v\u00f5i mitte.<\/p>\n

Ainult omavahendite arvelt tehtava \u00fc\u00fcriinvesteeringu tootlus ei ole v\u00e4ga k\u00f5rge. Kui investori eesm\u00e4rk on s\u00e4\u00e4stmine ehk omakapitali v\u00e4\u00e4rtuse s\u00e4ilitamine, siis ei pruugi laenuraha leidmisega j\u00e4ndamine sugugi vajalik olla. Siis ehk piisabki vaba raha kinnisvarasse paigutamisest, et jooksvalt v\u00e4ikest \u00fc\u00fcriraha voogu nautida pelgamata, et ajutine vakantsuseperiood tekitab olukorra, kus pangalaenu tasumisega raskused tekkivad.<\/p>\n

Kui investori eesm\u00e4rk on maksimeerida kasumit ehk v\u00f5tta riske ja teenida v\u00f5imalikult palju tulu, on \u00fcsna t\u00f5en\u00e4oliselt m\u00f5istlik kasutada\u00a0finantsv\u00f5imendust\u00a0ehk kaasata\u00a0laenukapitali. Kaasatav v\u00f5\u00f5rkapital annab v\u00f5imaluse v\u00f5imendada omakapitali tootlust. Teisis\u00f5nu aitab laenuraha teenida omanikule t\u00e4iendavat tulu, mis ainult omakapitali kasutades saamata j\u00e4\u00e4ks.<\/p>\n

Piltlikult kirjeldades saab 50 000 euro omanik osta omavahenditest ainult \u00fche korteri. Kaasates koguinvesteeringust 50% ulatuses v\u00f5\u00f5rkapitali ehk laenu saab juba osta kaks samav\u00e4\u00e4rset korterit, mis m\u00f5lemad jooksvat \u00fc\u00fcritulu teenivad.<\/p>\n

Lihtsustatuna: kui laenuraha eest tuleb aastas tasuda n\u00e4iteks intressim\u00e4\u00e4ra 5% ehk 50 000-eurose laenu pealt 2500 eurot, on\u00a0seda \u00fcletav \u00fc\u00fcritulu\u00a0juba \u00fc\u00fcriinvestori kasum.<\/p>\n

Loe rohkem praktilisi n\u00f5uandeid, kuidas eluruumide \u00fc\u00fcri\u00e4ris edukas olla k\u00e4siraamatust “Korter \u00fc\u00fcrile – n\u00e4rves\u00f6\u00f6v hobi v\u00f5i rikkuse allikas?<\/a>“, mille autorid on kinnisvaraanal\u00fc\u00fctik T\u00f5nu Toompark ja jurist Evi Hindpere v\u00f5i tule Kinnisvarakool O\u00dc koolitusele<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

K\u00e4siraamatu “Korter \u00fc\u00fcrile – n\u00e4rves\u00f6\u00f6v hobi v\u00f5i rikkuse allikas?” autor ja Kinnisvarakool O\u00dc\u00a0\u00fc\u00fcrikoolituse lektor T\u00f5nu Toompark annab n\u00f5u \u00fc\u00fcri\u00e4ri teemadel.<\/p>\n","protected":false},"author":2,"featured_media":9492,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[463,66,68,459,529,481,506,202,171,44,364,70,547,485,173,483],"class_list":["post-13504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-est","tag-eluruum","tag-euro","tag-intress","tag-investeering","tag-investor","tag-jurist","tag-kasiraamat","tag-kinnisvara","tag-kinnisvarakool","tag-koolitus","tag-korter","tag-laen","tag-ost","tag-pangalaen","tag-tonu-toompark","tag-uur"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t