{"id":37227,"date":"2026-02-05T09:01:38","date_gmt":"2026-02-05T07:01:38","guid":{"rendered":"https:\/\/www.kinnisvaraweb.ee\/blog\/?p=37227"},"modified":"2026-02-05T09:01:38","modified_gmt":"2026-02-05T07:01:38","slug":"kv-ee-kinnisvara-podcast-eluasemelaenude-turg-2025-ja-2026-aastal","status":"publish","type":"post","link":"https:\/\/www.kinnisvaraweb.ee\/blog\/kv-ee-kinnisvara-podcast-eluasemelaenude-turg-2025-ja-2026-aastal\/","title":{"rendered":"KV.EE kinnisvara-podcast: eluasemelaenude turg 2025. ja 2026. aastal"},"content":{"rendered":"<p><strong><a href=\"https:\/\/www.kinnisvaraweb.ee\/blog\/wp-content\/uploads\/2023\/02\/KV-Kinnisvarapodcast-RUUT.png\"><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=\"KV.EE Kinnisvarapodcast\" 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;\" \/><\/a>KV.EE kinnisvara-podcast<\/strong><strong>\u2019i 131. osa k\u00fclaline on Helina Kikas, kes on <\/strong><a href=\"https:\/\/luminor.ee\/\"><strong>Luminor Panga<\/strong><\/a><strong> eluasemelaenude valdkonnajuht. Saates r\u00e4\u00e4gime p\u00f5hjalikult kodulaenude turust, hetkeolukorrast ja tulevikuvaatest. Saadet juhib ning k\u00fcsimusi esitab kinnisvarakonsultant ja -koolitaja T\u00f5nu Toompark.<\/strong><\/p>\n<p>Helina Kikas anal\u00fc\u00fcsib 2025. aasta majanduskeskkonda ja selle m\u00f5ju laenuturule. V\u00f5tame luubi alla uute laenude v\u00e4ljastamise mahud ning selgitame, millist rolli on m\u00e4nginud laenude refinantseerimine ja kinnisvara \u00fcldine hinnat\u00f5us. Arutleme, miks on laenuk\u00e4ive p\u00fcsinud aktiivsena ka heitlikel aegadel.<\/p>\n<p>Vaatame l\u00e4hemalt, kes on t\u00e4nane t\u00fc\u00fcpiline laenuv\u00f5tja ja millised on tema ootused. Helina Kikas selgitab, kas ja kuidas erinevad laenutingimused Tallinnas, Tartus, P\u00e4rnus v\u00f5i v\u00e4iksemates piirkondades nagu n\u00e4iteks Abja-Paluoja. Toome v\u00e4lja peamised kriteeriumid, mille alusel pank otsuseid teeb, ning p\u00f5hjused, miks vahel tuleb \u00f6elda &#8220;ei&#8221;.<\/p>\n<p>K\u00e4sitleme Euribori liikumisi ja riskimarginaalide d\u00fcnaamikat ning nende otsest m\u00f5ju igakuistele laenumaksetele. Juttu tuleb laenuportfelli tervisest ehk sellest, kui korrektselt Eesti inimesed oma kohustusi t\u00e4idavad ning milliseid lahendusi pakub pank v\u00f5imalike makseraskuste tekkimise korral.<\/p>\n<p>Saate l\u00f5pus teeme ettevaate 2026. aastasse ja prognoosime edasisi trende laenuturul. Helina Kikas jagab praktilisi soovitusi nii koduostjatele kui ka kinnisvarapartneritele, r\u00f5hutades finantsteadlikkuse ja p\u00f5hjaliku ettevalmistuse olulisust.<\/p>\n<p>Kuula l\u00e4hemalt <a href=\"https:\/\/podcasters.spotify.com\/pod\/show\/kv-ee\">KV.EE kinnisvara-podcastist<\/a>.<\/p>\n<h3>Vaata saadet videona<\/h3>\n<p><iframe title=\"#131 KV.EE Kinnisvarapodcast- eluasemelaenude turg 2025. ja 2026. aastal\" width=\"840\" height=\"473\" data-src=\"https:\/\/www.youtube.com\/embed\/DxSjUsXuXqE?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:\/\/creators.spotify.com\/pod\/profile\/kv-ee\/embed\/episodes\/131-KV-EE-kinnisvara-podcast--Tnu-Toompark-ja-Helina-Kikas-2026-02-05-e3ecv8m\" width=\"800px\" 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><strong>Kutsume h\u00e4id kuulajaid \u00fcles: andke teada, milliste teemade k\u00e4sitlemisest olete huvitatud? Keda soovite saate k\u00fclalisena kuulda? Kas soovid ise tulla saatesse m\u00f5nest olulisest teemast r\u00e4\u00e4kima?<\/strong><\/p>\n<p>Sellekohased m\u00f5tted ja ettepanekud on teretulnud meiliaadressile <a href=\"mailto:klienditugi@kv.ee\">klienditugi@kv.ee<\/a>.<\/p>\n<p>Telli podcast enda podcasti \u00e4ppis v\u00f5i pane laik ja j\u00e4lgi lehte <a href=\"https:\/\/www.facebook.com\/kinnisvaraportaalKVEE\">KV.EE Facebook<\/a>.<\/p>\n<p>Vaata podcasti videona <a href=\"https:\/\/www.youtube.com\/user\/KVEEvideo\">KV.EE Youtube kanalil<\/a>. V\u00e4rske podcasti leiad KV.EE maaklerikeskkonnast RBO v\u00f5i <a href=\"https:\/\/creators.spotify.com\/pod\/profile\/kv-ee\/\">Spotify<\/a> lehelt.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>KV.EE kinnisvara-podcast\u2019i 131. osa k\u00fclaline on Helina Kikas, kes on Luminor Panga eluasemelaenude valdkonnajuht. Saates r\u00e4\u00e4gime p\u00f5hjalikult kodulaenude turust, hetkeolukorrast<\/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":[388,226,555,166,102,680,202,524,691,480,326,70,26,42,369,310,547,646,487,47,41,46,173,614,625,40],"class_list":["post-37227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-est","tag-analuus","tag-eesti","tag-eluase","tag-eluasemelaen","tag-euribor","tag-hinnatous","tag-kinnisvara","tag-kodu","tag-koduostja","tag-kohus","tag-kv-ee","tag-laen","tag-maa","tag-maakler","tag-maja","tag-majandus","tag-ost","tag-ostja","tag-pank","tag-parnu","tag-tallinn","tag-tartu","tag-tonu-toompark","tag-trend","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 131. osa k\u00fclaline on Helina Kikas, kes on Luminor Panga eluasemelaenude valdkonnajuht. 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