{"id":2593,"date":"2011-07-13T07:30:16","date_gmt":"2011-07-13T03:30:16","guid":{"rendered":"http:\/\/www.kv.ee\/blog\/?p=2593"},"modified":"2023-05-06T12:20:32","modified_gmt":"2023-05-06T09:20:32","slug":"nouanne-kuidas-muua-kinnisvara-muugitehingu-vormistamine-3-4","status":"publish","type":"post","link":"https:\/\/www.kinnisvaraweb.ee\/blog\/nouanne-kuidas-muua-kinnisvara-muugitehingu-vormistamine-3-4\/","title":{"rendered":"N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgitehingu vormistamine (3\/4)"},"content":{"rendered":"<p><strong>J\u00e4tkame <a title=\"KV.EE\" href=\"https:\/\/www.kv.ee\/\" target=\"_blank\" rel=\"noopener noreferrer\">KV.EE<\/a> rubriigiga, kus anname n\u00f5u, <a title=\"Kuidas m\u00fc\u00fca kinnisvara\" href=\"https:\/\/www.kinnisvaraweb.ee\/blog\/uudised\/kuidas-muua-kinnisvara\/\" target=\"_blank\" rel=\"noopener noreferrer\">kuidas m\u00fc\u00fca kinnisvara<\/a>. Eelmisel korral kirjutasime m\u00fc\u00fcgitehingu vormistamisest olukorras, kus <\/strong><strong>m\u00fc\u00fcja ei ole laenuga seotud, kuid ostja soovib ostu finantseerida laenuga.<\/strong><\/p>\n<p><strong>T\u00e4na kirjutame olukorrast, kus nii ostja kui m\u00fc\u00fcja on m\u00f5lemad h\u00fcpoteegi ja laenuga seotud.<\/strong><\/p>\n<p>Olukorrast, kus m\u00fc\u00fcja ja ostja m\u00f5lemad on h\u00fcpoteegi ja laenuga seotud, toimub m\u00fc\u00fcgitehingu vormistamine ostja poolt analoogselt eelmisel korral kirjeldatule. M\u00fc\u00fcja poole peal siiski on m\u00f5ned erisused, mida tasub t\u00e4hele panna.<\/p>\n<h3>Laenuga seotud m\u00fc\u00fcja<\/h3>\n<p>Olukorras, kus m\u00fc\u00fcdavat vara koormab h\u00fcpoteek ehk vara tagab m\u00fc\u00fcja v\u00f5etud laenu tuleb see asi m\u00fc\u00fcgitehingu puhul selgelt \u00fcmber vormistada. T\u00f5en\u00e4oliselt toimub \u00fcmbervormistamine nii, et vara hakkab m\u00fc\u00fcja asemel tagama ostja v\u00f5etavat laenu.<\/p>\n<h3>H\u00fcpoteegi \u00fcleandmine<\/h3>\n<p>M\u00fc\u00fcja poolt vaadatuna ei ole m\u00f5tet hakata vara koormavat h\u00fcpoteeki kustutama, sest ka ostjal on h\u00fcpoteeki vaja. Seet\u00f5ttu on m\u00f5istlik m\u00fc\u00fcja laenuandjal anda h\u00fcpoteek \u00fcle ostja laenuandjale.<\/p>\n<p>Eriti lihtsaks muudab selle asjaolu, kui m\u00fc\u00fcjal ja ostjal on sama laenuandja, kuid protsess ei ole olemuslikult keeruline ka juhul, kui laenuandjad on erinevad.<\/p>\n<h3>Rahade liikumine<\/h3>\n<p>Ostjalt m\u00fc\u00fcjale liikuvate rahade puhul ei ole taas midagi erinevat eelmisel korral kirjeldatud skeemist. K\u00fcll on erinev see, kuhu need rahad edasi liiguvad.<\/p>\n<p>Kui m\u00fc\u00fcja m\u00fc\u00fcb maha vara, mis on tema laenu taganud, siis enam kui t\u00f5en\u00e4oliselt soovib laenuandja, et m\u00fc\u00fcja tagastaks laenu. Seda saab m\u00fc\u00fcja teha rahasumma arvelt, mis talle kinnisvara m\u00fc\u00fcgist laekub.<\/p>\n<p>Nagu tavaliselt, siis ei j\u00e4ta pankurid \u00fchtki liigset riski \u00fcles. Lepingu s\u00f5lmimisel kirjutatakse kinnisvara ostu-m\u00fc\u00fcgilepingusse koheselt sisse, et m\u00fc\u00fcja tagastamata laenu summas tuleb ostjalt laekuv raha koheselt \u00fcle kanda m\u00fc\u00fcjale laenu andnud pangale.<\/p>\n<p>Seega ei pruugi ostjalt raha m\u00fc\u00fcjale j\u00f5udagi \u2013 see liigub koheselt pankurite k\u00e4tte, et kustutada m\u00fc\u00fcja v\u00f5etud laen.<\/p>\n<h3>T\u00e4iendav laenuleping<\/h3>\n<p>Olukord on lihtsam siis, kui m\u00fc\u00fcgist saadav summa katab kogu m\u00fc\u00fcja laenu ja ehk j\u00e4\u00e4b midagi \u00fclegi. Keerulisem on olukord siis, kui kinnisvara m\u00fc\u00fcgist laekub laenusummast v\u00e4hem raha.<\/p>\n<p>Sellisel juhul soovivad laenuandjad \u00fclesj\u00e4\u00e4nud laenusumma vormistada \u00fcmber eluasemelaenust tarbimislaenuks. Viimaseid kahte eristab intressim\u00e4\u00e4r, mis eluasemelaenul on suurusj\u00e4rgus viis korda madalam.<\/p>\n<h3>Soovitused<\/h3>\n<ul>\n<li>H\u00fcpoteegi kustutamise asemel uuri ostjalt h\u00fcpoteegi \u00fcleandmise v\u00f5imalust \u2013 see on odavam.<\/li>\n<li>Ostja omavahenditest laekuvad summad k\u00fcsi ettemaksuna v\u00f5i l\u00e4bi notari deposiitkonto.<\/li>\n<li>Kui m\u00fc\u00fcgisumma on v\u00e4iksem, kui Su senine laen, siis arvesta, et vahesumma tuleb \u00fcmbervormistada k\u00f5rge intressim\u00e4\u00e4raga tarbimislaenuks.<\/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 on seotud h\u00fcpoteegi ja laenuga, kuid ostja soovib osta omavahendite arvelt ehk ilma pangalaenuta.<\/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<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgitehingu vormistamine (1\/4)<\/li>\n<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgitehingu vormistamine (2\/4)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>J\u00e4tkame KV.EE rubriigiga, kus anname n\u00f5u, kuidas m\u00fc\u00fca kinnisvara. Eelmisel korral kirjutasime m\u00fc\u00fcgitehingu vormistamisest olukorras, kus m\u00fc\u00fcja ei ole laenuga<\/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-2593","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\u00f5u, kuidas m\u00fc\u00fca kinnisvara. 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