{"id":978,"date":"2010-11-05T14:41:25","date_gmt":"2010-11-05T12:41:25","guid":{"rendered":"http:\/\/www.kv.ee\/blog\/?p=978"},"modified":"2011-01-27T12:10:41","modified_gmt":"2011-01-27T10:10:41","slug":"seb-soovitab-kodulaenuvotjatele-suuremat-puhverraha","status":"publish","type":"post","link":"https:\/\/www.kinnisvaraweb.ee\/blog\/seb-soovitab-kodulaenuvotjatele-suuremat-puhverraha\/","title":{"rendered":"SEB soovitab kodulaenuv\u00f5tjatele suuremat puhverraha"},"content":{"rendered":"<p><strong>Kui varem soovitas SEB, et kodulaenu v\u00f5tjal oleks varuks kahe kuu s\u00e4\u00e4stud, siis n\u00fc\u00fcd peab pank \u00f5igeks taotleja arvel kuue kuu suurust puhverraha.<\/strong><\/p>\n<p>&#8220;Kui varem peeti kahe kuu s\u00e4\u00e4ste piisavaks, selgus kriisi ajal, et likviidsetes varades oleks olnud vajalik v\u00e4hemalt kuue kuu kulutuste puhver,&#8221; r\u00e4\u00e4kis SEB juhatuse liige ning jaepanganduse ja tehnoloogia valdkonna juht Eerika Vaikm\u00e4e-Koit.<\/p>\n<p>Koit lisas aga, et vaatamata sellele, on praegu \u00fcsnagi hea aeg kinnisvara muretsemiseks. Nii on pankade intressitase kriisiaastatel kasvanud riskimarginaalidest hoolimata rekordmadal ja ka pangad on viimastel kuudel langetanud marginaale, mis on m\u00e4rk taastunud kindlustundest.<\/p>\n<p>&#8220;V\u00f5imalused uue eluaseme soetamiseks on avaramad ka t\u00e4nu soodsatele kinnisvarahindadele. Keskmine korteri ruutmeetri hind on v\u00f5rdsustunud keskmise brutopalgaga, mis n\u00e4itab inimeste suuremat ostuv\u00f5imet. N\u00e4iteks 2007. aasta alguses oli sama Tallinna kesklinna korteri keskmine ruutmeetri hind 2,8 ning kogu Tallinna piires 2 korda k\u00f5rgem keskmisest brutopalgast,&#8221; r\u00e4\u00e4kis ta<\/p>\n<p>Allikas:\u00a0\u00a0 Sander Silm\/\u00d5htuleht<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kui varem soovitas SEB, et kodulaenu v\u00f5tjal oleks varuks kahe kuu s\u00e4\u00e4stud, siis n\u00fc\u00fcd peab pank \u00f5igeks taotleja arvel kuue<\/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":[166,16,20,53,199,41],"class_list":["post-978","post","type-post","status-publish","format-standard","hentry","category-est","tag-eluasemelaen","tag-kinnisvaraturg","tag-korterid","tag-pangad","tag-seb-pank","tag-tallinn"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" 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