{"id":2584,"date":"2011-06-15T07:30:55","date_gmt":"2011-06-15T03:30:55","guid":{"rendered":"http:\/\/www.kv.ee\/blog\/?p=2584"},"modified":"2020-05-27T17:03:28","modified_gmt":"2020-05-27T14:03:28","slug":"nouanne-kuidas-muua-kinnisvara-muugitehingu-vormistamine-1-4","status":"publish","type":"post","link":"https:\/\/www.kinnisvaraweb.ee\/blog\/nouanne-kuidas-muua-kinnisvara-muugitehingu-vormistamine-1-4\/","title":{"rendered":"N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgitehingu vormistamine (1\/4)"},"content":{"rendered":"<p><strong>J\u00e4tkame KV.EE rubriigiga, kus anname n\u00f5ua, kuidas m\u00fc\u00fca kinnisvara. Eelmisel korral kirjutasime l\u00e4bir\u00e4\u00e4kimiste protsessist. T\u00e4na alustame m\u00fc\u00fcgitehingu vomistamise kirjeldamist l\u00e4htuvalt erinevatest finantseerimisskeemidest.<\/strong><\/p>\n<h3>Laenuta m\u00fc\u00fcja ja laenuta ostja<\/h3>\n<p>Sageli on kinnisvaratehingu kolmandaks osapooleks pank. Kui seda siiski ei ole ja kinnisvaram\u00fc\u00fcja m\u00fc\u00fcb h\u00fcpoteegita (st laenutagatiseks mitteoleva) vara m\u00fc\u00fcjale, kes finantseerib ostu omavahenditest (st ilma pangalaenuta), siis on asi lihtne.<\/p>\n<p>Laenuta m\u00fc\u00fcja ja laenuta ostja p\u00f6\u00f6rduvad notarib\u00fcroo poole, esitavad andmed tehingu kohta ning s\u00f5lmivad lepingu. Kolmandaid osapooli sellesse tehingusse kaasata ei ole vaja.<\/p>\n<p>Pisut keerulisemaks l\u00e4heb olukord siis, kui ostja soovib ostu finantseerida laenuga.<\/p>\n<h3>Notari deposiitkonto<\/h3>\n<p>Vaadates siin m\u00fc\u00fcgiprotsessi eelk\u00f5ige l\u00e4bi m\u00fc\u00fcja pilgu peab mainima, et m\u00fc\u00fcja huvides on, et too m\u00fc\u00fcgisumma laekuks m\u00fc\u00fcjale enne tehingute. Siis saab ta kindel olla, et raha on \u201ekodus\u201c ja sellest ilma ei j\u00e4\u00e4.<\/p>\n<p>Arusaavavalt ei pruugi seesugune olukord ostjale meeldida. Tema k\u00fcsimus on, et mis siis saab, kui tema kogu raha \u00e4ra maksab ja tehing notarib\u00fcroos siiski kinnitamata j\u00e4\u00e4b?<\/p>\n<p>Kumbagi osapoole huvides ei tohiks olla raha kohvriga notarib\u00fcroos \u00fche tooli juurest jalaga teise juurde l\u00fckata. See ei ole turvaline.<\/p>\n<p>Et raha enne tehingut \u00fclekandmise riski mitte v\u00f5tta on m\u00f5istlik ostjal ostusumma kanda enne tehingu tegemist notari deposiitkontole.<\/p>\n<p>Enne tehingu vormistamist kontrollib notar, kas raha on deposiitiarvele laekunud. Kui seda juhtunud ei ole, siis j\u00e4\u00e4b tehingu vormistamine katki. Kui raha on laekunud ja leping siiski s\u00f5lmimata j\u00e4\u00e4b, siis tagastab notar raha ostjale.<\/p>\n<p>Kui tehing ilusti s\u00f5lmitud ja leping allkirjad saab, siis kannab notar deposiiti laekunud ja lepingus etten\u00e4htud summa paari p\u00e4eva jooksul m\u00fc\u00fcjale \u00fcle.<\/p>\n<p>Seega on v\u00e4listatud risk, et \u00fcks v\u00f5i teine pool petta saab. T\u00f5si \u2013 notari deposiidi kasutamine on tasuline teenus, kuid selle tasu suurus ei ole selline, mis kaaluks \u00fcle riskid, mis seostuvad kinnisvaratehingutes liikuvate suurte rahasummadega.<\/p>\n<h3>Soovitused<\/h3>\n<ul>\n<li>Kui m\u00f5lemad tehingupooled ei ole ei laenu ega h\u00fcpoteegiga seotud, siis tuleb lepingu s\u00f5lmimise aja saamiseks p\u00f6\u00f6rduda otse notarib\u00fcroo poole.<\/li>\n<li>Rahade liigutamiseks on m\u00f5istlik kasutada notari deposiiti, mis garanteerib m\u00f5lemale poolele turvalisuse.<\/li>\n<li>\u00c4ra n\u00f5ustu lepingu s\u00f5lmimisel ettepanekutega stiilis: \u201eKirjutame lepingusse nii, ega tegelikult teeme hoopis&#8230;\u201c<\/li>\n<\/ul>\n<p><strong>N\u00f5uanderubriigi j\u00e4rgmises peat\u00fckis kirjutame m\u00fc\u00fcgitehingu protsessist olukorras, kus m\u00fc\u00fcja ei ole laenuga seotud, kuid ostja soovib ostu finantseerida laenuga.<\/strong><\/p>\n<p><strong>Vaata lisaks, mida soovitavad  <a title=\"KV.EE n\u00f5uanded\" href=\"https:\/\/www.kinnisvaraweb.ee\/blog\/uudised\/nouanne\/\">KV.EE n\u00f5uanded<\/a> v\u00f5i konkreetsemalt postituste sarja &#8220;<a title=\"Kuidas m\u00fc\u00fca kinnisvara\" href=\"https:\/\/www.kinnisvaraweb.ee\/blog\/uudised\/kuidas-muua-kinnisvara\/\">Kuidas m\u00fc\u00fca kinnisvara<\/a>&#8220;.<br \/>\n<\/strong><\/p>\n<h3>Eelmised n\u00f5uanded sarjast &#8220;<a title=\"Kuidas m\u00fc\u00fca kinnisvara\" href=\"https:\/\/www.kinnisvaraweb.ee\/blog\/uudised\/kuidas-muua-kinnisvara\/\">Kuidas m\u00fc\u00fca kinnisvara<\/a>&#8220;<\/h3>\n<ul>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 \u00fclesandep\u00fcstitus<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgihinna m\u00e4\u00e4ramine (1. osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgihinna m\u00e4\u00e4ramine (2. osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 valdus ja kahe korteri l\u00f5ks<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgi asemel v\u00e4lja\u00fc\u00fcrimine (1\/3 osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgi asemel v\u00e4lja\u00fc\u00fcrimine (2\/3 osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgi asemel v\u00e4lja\u00fc\u00fcrimine (3\/3 osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fca ise v\u00f5i maakleri kaudu<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 kuidas leida maakler<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 maaklerteenuse lepingud (1\/3 osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 maaklerteenuse lepingud (2\/3 osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 maaklerteenuse lepingud (3\/3 osa)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 kuidas vormistada kuulutus (1\/2)<\/li>\n<li><a title=\"N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 kuidas vormistada kuulutus (2\/2)\" href=\"https:\/\/www.kinnisvaraweb.ee\/blog\/nouanne-kuidas-muua-kinnisvara-kuidas-vormistada-kuulutus-2-2\/\">N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 kuidas vormistada kuulutus (2\/2)<\/a><\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 kuidas leida ostja (1\/2)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 kuidas leida ostja (2\/2)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 ruumide ettevalmistamine<\/li>\n<li><a title=\"N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 l\u00e4bir\u00e4\u00e4kimised ostjaga\" href=\"https:\/\/www.kinnisvaraweb.ee\/blog\/nouanne-kuidas-muua-kinnisvara-labiraakimised-ostjaga\/\">N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 l\u00e4bir\u00e4\u00e4kimised ostjaga<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>J\u00e4tkame KV.EE rubriigiga, kus anname n\u00f5ua, kuidas m\u00fc\u00fca kinnisvara. Eelmisel korral kirjutasime l\u00e4bir\u00e4\u00e4kimiste protsessist. T\u00e4na alustame m\u00fc\u00fcgitehingu vomistamise kirjeldamist l\u00e4htuvalt<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[141,309,202,20,65,26,42,24,64,53,12,126,7],"class_list":["post-2584","post","type-post","status-publish","format-standard","hentry","category-est","tag-hoone","tag-hupoteek","tag-kinnisvara","tag-korterid","tag-kuidas-muua-kinnisvara","tag-maa","tag-maakler","tag-majad","tag-nouanne","tag-pangad","tag-reklaam","tag-turuvaartus","tag-uudised"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"J\u00e4tkame KV.EE rubriigiga, kus anname n\u00f5ua, kuidas m\u00fc\u00fca kinnisvara. Eelmisel korral kirjutasime l\u00e4bir\u00e4\u00e4kimiste protsessist. 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