{"id":28001,"date":"2023-03-23T09:45:01","date_gmt":"2023-03-23T07:45:01","guid":{"rendered":"https:\/\/www.kinnisvaraweb.ee\/blog\/?p=28001"},"modified":"2024-09-08T18:37:29","modified_gmt":"2024-09-08T15:37:29","slug":"kv-ee-kinnisvara-podcast-raagime-pohjalikult-eluasemelaenu-intressimaarast","status":"publish","type":"post","link":"https:\/\/www.kinnisvaraweb.ee\/blog\/kv-ee-kinnisvara-podcast-raagime-pohjalikult-eluasemelaenu-intressimaarast\/","title":{"rendered":"KV.EE kinnisvara-podcast: r\u00e4\u00e4gime p\u00f5hjalikult eluasemelaenu intressim\u00e4\u00e4rast"},"content":{"rendered":"<p><a href=\"https:\/\/anchor.fm\/kv-ee\"><strong><img decoding=\"async\" class=\"alignright size-medium wp-image-27572 lazyload\" data-src=\"https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-300x300.png\" alt=\"\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-300x300.png 300w, https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-600x600.png 600w, https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-150x150.png 150w, https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-768x768.png 768w, https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-1536x1536.png 1536w, https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-2048x2048.png 2048w, https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT-120x120.png 120w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/>KV.EE kinnisvara-podcast<\/strong><\/a><strong>\u2019i 56. saates teeme <\/strong><a href=\"https:\/\/www.lhv.ee\/\"><strong>LHV Pank AS<\/strong><\/a><strong> eraisikute finantseerimise osakonna juhi Catlin Vatsel\u2019iga juttu eluasemelaenu intressim\u00e4\u00e4rast. Uurime, millised tegurid intressim\u00e4\u00e4ra ja mil moel m\u00f5jutavad? Millal ja mis tingimustel on m\u00f5istlik eluasemelaenu intressim\u00e4\u00e4r fikseerida? P\u00f5gusalt puudutame, kas on ohtu, et k\u00e4imasolevad kriisid Eesti finantseerimismaastiku uppi l\u00fckkaksid? Saadet juhib ja k\u00fcsimusi esitab kinnisvarakonsultant ning -koolitaja T\u00f5nu Toompark.<\/strong><\/p>\n<p>Alustuseks r\u00e4\u00e4gib Catlin Vatsel, millistest teguritest eluasemelaenu intressim\u00e4\u00e4r koosneb. Puudutame euribori teemat ja euribori suurenemise m\u00f5ju laenumaksetele.<\/p>\n<p>Seej\u00e4rel liigume riskimarginaali juurde. Catlin Vatsel avab, millised on tegurid, mis m\u00f5jutavad riskimarginaali suurust. Juttu tuleb, millised on olulisemad riskimarginaali m\u00f5jutavad faktorid.<\/p>\n<p>Seej\u00e4rel j\u00f5uame eluasemelaenu intressim\u00e4\u00e4ra fikseerimise teema juurde. Arutame, millistel puhkudel on eluasemelaenu intressim\u00e4\u00e4ra fikseerimine m\u00f5istlik ja mis saab siis, kui intressim\u00e4\u00e4ra fikseerimise periood l\u00e4bi saab. Catlin Vatsel juhib t\u00e4helepanu, millisel puhul ei ole intressim\u00e4\u00e4ra m\u00f5istlik fikseerida.<\/p>\n<p>Saate viimases osas toome m\u00e4ngu Eesti t\u00e4nase finantsmaastiku p\u00f5gusa v\u00f5rdluse 2008.-2009. aastaga. Catlin Vatsel toob v\u00e4lja pangandusturu erinevused ja tegurid, miks oleme toonasega v\u00f5rreldes sootuks teistsuguses olukorras, kus laenukraanide kinnikeeramist ja seel\u00e4bi kinnisvaraturu likviidsuse kadu ootama ei peaks.<\/p>\n<p>L\u00f5petuseks annab Catlin Vatsel omalt poolt soovitused ja n\u00f5uanded kinnisvaraturu osalistele, mis l\u00e4htuvad eelk\u00f5ige finantseerimise vaatest.<\/p>\n<h3>Vaata saadet videona<\/h3>\n<p><iframe title=\"#056 KV.EE kinnisvarapodcast: r\u00e4\u00e4gime p\u00f5hjalikult eluasemelaenu intressim\u00e4\u00e4rast\" width=\"840\" height=\"473\" data-src=\"https:\/\/www.youtube.com\/embed\/fJYzkA9dNVk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\n<h3>Kuula saadet<\/h3>\n<p><iframe data-src=\"https:\/\/podcasters.spotify.com\/pod\/show\/kv-ee\/embed\/episodes\/056-KV-EE-kinnisvara-podcast--Tnu-Toompark-ja-Catlin-Vatsel-2023-03-23-e20orho\" width=\"600px\" height=\"120px\" frameborder=\"0\" scrolling=\"no\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"0\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start lazyload\">\ufeff<\/span><\/iframe><\/p>\n<p>Kuula <a href=\"https:\/\/anchor.fm\/kv-ee\">KV.EE kinnisvara podcast<\/a>\u2019i. Saate 56. osas r\u00e4\u00e4gib <a href=\"https:\/\/www.lhv.ee\/\">LHV Panga<\/a> eraisikute finantseerimise osakonna juhataja <strong>Catlin Vatsel<\/strong> eluasemelaenu intressim\u00e4\u00e4ra hingeelust. Saadet juhib kinnisvarakonsultant ning -koolitaja <strong>T\u00f5nu Toompark<\/strong>.<\/p>\n<p>Kutsume h\u00e4id kuulajaid \u00fcles: andke teada, milliste teemade k\u00e4sitlemisest olete huvitatud? Keda sooviksite kuulda saate k\u00fclalisena? Kas soovite koguni ise tulla m\u00f5nest p\u00e4evakajalisest teemast r\u00e4\u00e4kima? Sellekohased m\u00f5tted ja ettepanekud on teretulnud meiliaadressile klienditugi@kv.ee.<\/p>\n<ul>\n<li>Telli podcast enda podcast&#8217;i \u00e4ppis v\u00f5i <a href=\"https:\/\/anchor.fm\/kv-ee\">Anchor.fm lehelt<\/a><\/li>\n<li>Pane laik ja j\u00e4lgi KV.EE Facebook&#8217;i lehte <a href=\"https:\/\/www.facebook.com\/kinnisvaraportaalKVEE\">https:\/\/www.facebook.com\/kinnisvaraportaalKVEE<\/a><\/li>\n<li>Vaata podcast&#8217;i videona KV.EE Youtube&#8217;i kanalil <a href=\"https:\/\/www.youtube.com\/user\/KVEEvideo\">https:\/\/www.youtube.com\/user\/KVEEvideo<\/a><\/li>\n<li>V\u00e4rske podcast&#8217;i leiad KV.EE maaklerikeskkonnast RBO <a href=\"https:\/\/www.kv.ee\/login\/rbo\">https:\/\/www.kv.ee\/rbo<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>KV.EE kinnisvara-podcast\u2019i 56. saates teeme LHV Pank AS eraisikute finantseerimise osakonna juhi Catlin Vatsel\u2019iga juttu eluasemelaenu intressim\u00e4\u00e4rast. Uurime, millised tegurid<\/p>\n","protected":false},"author":3,"featured_media":27574,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[226,555,166,102,68,202,306,721,326,70,194,26,42,487,173,625,40],"class_list":["post-28001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-est","tag-eesti","tag-eluase","tag-eluasemelaen","tag-euribor","tag-intress","tag-kinnisvara","tag-kinnisvaraportaal","tag-kriis","tag-kv-ee","tag-laen","tag-lhv-pank","tag-maa","tag-maakler","tag-pank","tag-tonu-toompark","tag-vara","tag-video"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"KV.EE kinnisvara-podcast\u2019i 56. saates teeme LHV Pank AS eraisikute finantseerimise osakonna juhi Catlin Vatsel\u2019iga juttu eluasemelaenu intressim\u00e4\u00e4rast. Uurime, millised tegurid intressim\u00e4\u00e4ra ja mil moel m\u00f5jutavad? Millal ja mis tingimustel on m\u00f5istlik eluasemelaenu intressim\u00e4\u00e4r fikseerida? P\u00f5gusalt puudutame, kas on ohtu, et k\u00e4imasolevad kriisid Eesti finantseerimismaastiku uppi l\u00fckkaksid? 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