{"id":2598,"date":"2011-07-27T07:30:40","date_gmt":"2011-07-27T03:30:40","guid":{"rendered":"http:\/\/www.kv.ee\/blog\/?p=2598"},"modified":"2023-05-06T12:21:20","modified_gmt":"2023-05-06T09:21:20","slug":"nouanne-kuidas-muua-kinnisvara-muugitehingu-vormistamine-4-4","status":"publish","type":"post","link":"https:\/\/www.kinnisvaraweb.ee\/blog\/nouanne-kuidas-muua-kinnisvara-muugitehingu-vormistamine-4-4\/","title":{"rendered":"N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgitehingu vormistamine (4\/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 <\/strong><strong>m\u00fc\u00fcja on seotud h\u00fcpoteegi ja laenuga, kuid ostja soovib osta omavahendite arvelt ehk ilma pangalaenuta.<\/strong><\/p>\n<p>Viimane v\u00f5imalus meie laenude- ja h\u00fcpoteekider\u00e4gastikus on olukord, kus m\u00fc\u00fcja on laenudega seotud, kuid ostja soovib ostu teha omavahendite arvelt ehk ilma pangalaenuta.<strong><\/strong><\/p>\n<h3>Mis saab h\u00fcpoteegist<\/h3>\n<p>Esimene k\u00fcsimus sellises olukorras m\u00fc\u00fcja jaoks on, mis saab h\u00fcpoteegist? Kui ostja ei kavatse laenu v\u00f5tta, siis ei pruugi tal h\u00fcpoteeki vaja olla. Sellisel puhul tuleb m\u00fc\u00fcjal t\u00f5en\u00e4oliselt h\u00fcpoteek kustutada.<\/p>\n<p>Ostjal on m\u00f5istlik eeldada, et h\u00fcpoteegi kustutamise kulud ehk notaritasu ja riigil\u00f5ivu kannab m\u00fc\u00fcja.<\/p>\n<p>H\u00fcpoteegi kustamine toimub ikka ja j\u00e4lle ostu-m\u00fc\u00fcgitehingu s\u00f5lmimisel, kus lepingu kolmandaks osapooleks on h\u00fcpoteeki omav pank.<\/p>\n<p>Pank n\u00f5ustub h\u00fcpoteegi kustutama siis ja ainult siis, kui m\u00fc\u00fcja selle tagatisel antud laenu kustutab. V\u00f5i siis erandjuhul selle kallima intressim\u00e4\u00e4raga tarbimislaenuks \u00fcmbervormistab.<\/p>\n<p>K\u00f5ne alla v\u00f5ib muidugi tulla ka olukord, kus m\u00fc\u00fcja asendab laenu tagatiseks oleva vara teisega. Selline h\u00fcpoteegi vahetus aga vormistatakse juba pigem eraldiseisva lepinguga.<\/p>\n<h3>\u00c4kki siiski ostja tahab h\u00fcpoteeki?<\/h3>\n<p>V\u00f5ib siiski juhtuda, et ostja soovib h\u00fcpoteegi alles j\u00e4tta. Loogiline seletus sellisele soovile on n\u00e4iteks olukord, kus ostja teab juba ette, et mingi aja p\u00e4rast on tal konkreetse laenuandja k\u00e4est soov laenu v\u00f5tta. Sellisel juhul on m\u00f5istlik \u00fche notarib\u00fcroos k\u00e4iguga h\u00fcpoteek seada. Selline etten\u00e4gelikkus on aga pigem erand.<\/p>\n<h3>Rahade liikumine<\/h3>\n<p>Kuiv\u00f5rd ostja pangalaenu abi ei kasuta, siis tuleb kogu ostusumma tema omavahenditest. Kui ostjal v\u00e4hegi oidu peas on, siis ei ole ta valmis raha m\u00fc\u00fcjale ettemaksuna kandma. Sellisel puhul on m\u00f5istlik kasutada taas notari deposiitkonto v\u00f5imalusi.<\/p>\n<p>M\u00fc\u00fcja peab j\u00e4lle arvestama, et laenu kustutamiseks soovib pank laenuvast m\u00fc\u00fcgihinnast osa endale saada. Selle summa otse panka suunamine vormistatakse notariaallepingu raames, kuhu kirjutatakse milline summa otse panka liigub.<\/p>\n<h3>Soovitused<\/h3>\n<ul>\n<li>M\u00fc\u00fcjal on odavam h\u00fcpoteek edasi anda, kuid laenuta ostja puhul tuleb see t\u00f5en\u00e4oliselt siiski kustutada.<\/li>\n<li>Ostja omavahenditest laekuvad summad k\u00fcsi ettemaksuna v\u00f5i l\u00e4bi notari deposiitkonto.<\/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 artiklis kirjutame veel pisut pikemalt valduse \u00fcleandmisest.<\/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<li>N\u00f5uanne: Kuidas m\u00fc\u00fca kinnisvara \u2013 m\u00fc\u00fcgitehingu vormistamine (3\/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-2598","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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