{"id":10140,"date":"2025-04-14T10:07:53","date_gmt":"2025-04-14T08:07:53","guid":{"rendered":"https:\/\/finorabank.eu\/?page_id=10140"},"modified":"2025-09-08T12:12:45","modified_gmt":"2025-09-08T10:12:45","slug":"arilaen-eisi-kaendusel","status":"publish","type":"page","link":"https:\/\/finorabank.eu\/et\/arilaen-eisi-kaendusel\/","title":{"rendered":"\u00c4rilaen EISi k\u00e4endusel"},"content":{"rendered":"<div class=\"lazyblock-hero-Z2wGirI wp-block-lazyblock-hero\">\n<section class=\"hero\">\n\t<div class=\"l-container\">\n\t\t<div class=\"hero__content\">\n\t\t\t<h1>\u00c4rilaen EISi k\u00e4endusel \u2014 sinu \u00e4ri edendamine ka v\u00e4ikese tagatisega<\/h1>\t\t\t\t\t\t\t<div class=\"hero__content-txt\"><ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laena kuni 250 000 eurot oma <\/span><span style=\"font-weight: 400;\">\u00e4ritegevuse<\/span><span style=\"font-weight: 400;\"> kasvatamiseks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Piisab ka v\u00e4iksemast tagatisest \u2014 EISi k\u00e4endus katab kuni 80% laenusummast.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Kiire ja lihtne laenuprotsess.<\/li>\n<\/ul><\/div>\n\t\t\t\t\t\t\t\t\t\t<a href=\"#form\" class=\"btn hero__cta smooth-scroll\"><span>Taotlen laenu<\/span><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"hero__image\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2025\/04\/Arilaen-EISi-kaendusel.png\" alt=\"\">\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section><\/div>\n\n\n<div class=\"sticky\">\n\n\t<div class=\"sticky__menu\">\n\t\t<ul>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#general\"><span>01.<\/span>\u00dcldinfo<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#price\"><span>02.<\/span>Hinnakiri ja tingimused<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#form\"><span>03.<\/span>Taotlen laenu<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#process\"><span>04.<\/span>Protsess<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"# faq\"><span>05.<\/span> KKK <\/a><\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\t<div class=\"sticky__content\">\n\t\t\n\t\t\n<div class=\"lazyblock-service-general-info-16m9Bl wp-block-lazyblock-service-general-info\" id=\"general\">\n<section class=\"service-block\">\n\t<div class=\"service-block__container\">\n\t\t<div class=\"service-block__title-row\">\n\t\t\t<div class=\"service-block__icon\"><img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/img\/icon-1.svg\"><\/div>\n\t\t\t<h2 class=\"service-block__title\">\u00dcldinfo<\/h2>\n\t\t<\/div>\n\t\t<div class=\"service-block__content\">\n\t\t\t\n\n<p>Finora Pank ning Ettev\u00f5tluse ja Innovatsiooni Sihtasutus (EIS) pakuvad koost\u00f6\u00f6s v\u00f5imalust saada laenu ettev\u00f5tte kasvatamiseks ja \u00e4ri laiendamiseks ka siis, kui ettev\u00f5tte olemasolevad tagatised ei kata kogu laenusummat. See v\u00f5imalus t\u00e4hendab, et ettev\u00f5tted saavad laenata rohkem ja kiiremini kui varem.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>See on sinu \u00e4ri jaoks oluline, sest:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Parem ligip\u00e4\u00e4s rahastusele \u2014 isegi samas mahus tagatise puudumisel.<\/li>\n\n\n\n<li>Lihtsam protsess \u2014 EISi eraldi avaldust esitama ei pea, k\u00e4endus tuleb koos laenulepinguga.<\/li>\n\n\n\n<li>EIS-i k\u00e4endus katab kuni 200 000 eurot laenatavast summast \u2014 see t\u00e4hendab, et kui taotlete suuremat summat ning k\u00e4endus pole piisav, siis EIS-iga on v\u00f5imalus see vahe katta.<\/li>\n\n\n\n<li>Sobib kasvu rahastamiseks \u2014 k\u00e4ibekapitaliks, investeeringuteks v\u00f5i laienemiseks.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kes saavad EISi portfellik\u00e4endusel laenu?<\/strong><\/h3>\n\n\n\n<p>Eestis registreeritud ettev\u00f5tted, <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kes on v\u00e4ikesed v\u00f5i keskmise suurusega:\n<ul class=\"wp-block-list\">\n<li>alla 250 t\u00f6\u00f6taja ning<\/li>\n\n\n\n<li>aastak\u00e4ive kuni 50 miljonit eurot ja\/v\u00f5i bilansimaht ei \u00fcleta 43 miljonit eurot;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>kes on krediidiv\u00f5imelised ja kelle omakapital vastab n\u00f5uetele;<\/li>\n\n\n\n<li>kel puuduvad t\u00e4htaega \u00fcletanud ja ajatamata v\u00f5lad;<\/li>\n\n\n\n<li>kes on \u00c4riregistrile esitanud k\u00f5ik n\u00f5utud andmed.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kuidas laenu saada?<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Taotle Finora Pangas EIS-i k\u00e4endusega \u00e4rilaenu.<\/li>\n\n\n\n<li>Hindame vastavust ja sobivuse korral rakendame EIS-i k\u00e4endust.<\/li>\n\n\n\n<li>K\u00e4endus katab kuni 80% laenust, eraldi EISi p\u00f6\u00f6rduma ega muid lepinguid s\u00f5lmima ei pea.<\/li>\n\n\n\n<li>Raha laekub kiiresti, et saaksid oma \u00e4riplaanid ellu viia.<\/li>\n<\/ol>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n<div class=\"lazyblock-service-price-24M8fn wp-block-lazyblock-service-price\" id=\"price\">\n\n\n<section class=\"service-block\">\n\t<div class=\"service-block__container\">\n\t\t<div class=\"service-block__title-row\">\n\t\t\t<div class=\"service-block__icon\"><img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/img\/price.svg\"><\/div>\n\t\t\t<h2 class=\"service-block__title\">Laenutingimused<\/h2>\n\t\t<\/div>\n\t\t<div class=\"service-block__content\">\n\t\t\t<div class=\"service-block__price-table\">\n\t\t\t\t\t\t\t\t\t<div class=\"service-block__priceitem\">\n\t\t\t\t\t\t<div class=\"service-block__fee\">Maksimaalne laenusumma:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">250 000 eurot<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"service-block__priceitem\">\n\t\t\t\t\t\t<div class=\"service-block__fee\">Maksimaalne k\u00e4endatav summa: <\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">200 000 eurot (80% laenust)<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"service-block__priceitem\">\n\t\t\t\t\t\t<div class=\"service-block__fee\">Laenu otstarve:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">k\u00e4ibekapital, kasvuinvesteeringud, \u00e4ri laiendamine<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"service-block__priceitem\">\n\t\t\t\t\t\t<div class=\"service-block__fee\">Intressim\u00e4\u00e4r:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">alates 5% + 6 kuu euribor<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"service-block__priceitem\">\n\t\t\t\t\t\t<div class=\"service-block__fee\">K\u00e4endustasu:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">1% k\u00e4endussumma j\u00e4\u00e4gilt<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"service-block__price-disclaimer\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n<div class=\"lazyblock-service-form-Z1VDFuB wp-block-lazyblock-service-form\" id=\"form\">\n<section class=\"service-block service-block--form\">\n\t<div class=\"service-block__container\">\n\t\t<div class=\"service-block__title-row\">\n\t\t\t<div class=\"service-block__icon\"><img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/img\/apply.svg\"><\/div>\n\t\t\t<h2 class=\"service-block__title\">Taotlen laenu<\/h2>\n\t\t<\/div>\n\t\t<div class=\"service-block__content\">\n\n\t\t\t<script type=\"text\/javascript\">\n\t\t\t\tvar applyForm = {\n\t\t\t\t\tapiURL: 'https:\/\/finorabank.eu\/wp-admin\/admin-ajax.php',\n\t\t\t\t\tnotifyEmail: 'laen@finorabank.eu',\n\t\t\t\t\tform: {\"id\":\"hypo\",\"tracking_id\":\"mortage_loan\",\"lang\":\"et\",\"bid\":1001,\"name\":\"\\u00c4riklient > H\\u00fcpoteeklaen\",\"action\":\"finora_form\",\"groups\":[{\"title\":\"Isikuandmed\",\"fields\":[{\"type\":\"text\",\"name\":\"name\",\"label\":\"Ettev\\u00f5tte nimi\",\"required\":true},{\"type\":\"number\",\"name\":\"reg-nr\",\"label\":\"Registrikood\",\"required\":true},{\"type\":\"address-select\",\"name\":\"address-select\",\"label\":\"Riik\",\"required\":true,\"options\":{\"label2\":\"Maakond\",\"label3\":\"Linn\"}},{\"type\":\"text\",\"name\":\"address\",\"label\":\"Aadress\",\"required\":true},{\"type\":\"text\",\"name\":\"postalcode\",\"label\":\"Postikood\",\"required\":true},{\"type\":\"phone\",\"name\":\"phone\",\"label\":\"Telefon\",\"required\":true,\"options\":{\"defaultCountryCode\":\"EE\"}},{\"type\":\"email\",\"name\":\"email\",\"label\":\"E-post\",\"required\":true}]},{\"title\":\"Tagatise t\\u00fc\\u00fcp ja 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maakond\"},{\"key\":\"15\",\"value\":\"V\\u00f5ru maakond\"},{\"key\":\"35\",\"value\":\"Muu\"},{\"key\":\"36\",\"value\":\"V\\u00e4lismaa\"}],\"label\":\"Maakond\",\"required\":true},{\"type\":\"text\",\"name\":\"city\",\"label\":\"Linn\",\"required\":true},{\"type\":\"text\",\"name\":\"street\",\"label\":\"T\\u00e4nav\",\"required\":true},{\"type\":\"text\",\"name\":\"house-nr\",\"label\":\"Maja nr\",\"required\":false},{\"type\":\"text\",\"name\":\"apt-nr\",\"label\":\"Korteri nr\",\"required\":false}]},{\"title\":\"Laenu summa ja periood\",\"fields\":[{\"type\":\"number\",\"name\":\"loan-amount\",\"label\":\"Laenusumma (\\u20ac)\",\"required\":true,\"min\":2000,\"max\":1000000,\"minMaxField\":\"amount\"},{\"type\":\"select\",\"name\":\"loan-period\",\"options\":[{\"key\":\"1\",\"value\":\"1 aasta\"},{\"key\":\"2\",\"value\":\"2 aastat\"},{\"key\":\"3\",\"value\":\"3 aastat\"},{\"key\":\"4\",\"value\":\"4 aastat\"},{\"key\":\"5\",\"value\":\"5 aastat\"},{\"key\":\"6\",\"value\":\"6 aastat\"},{\"key\":\"7\",\"value\":\"7 aastat\"},{\"key\":\"8\",\"value\":\"8 aastat\"},{\"key\":\"9\",\"value\":\"9 aastat\"},{\"key\":\"10\",\"value\":\"10 aastat\"}],\"label\":\"Laenuperiood\",\"required\":true},{\"type\":\"text\",\"name\":\"extra\",\"label\":\"Lisainfo\",\"required\":false},{\"type\":\"how-found-us\",\"name\":\"how\",\"label\":\"Kuidas sa meist teada said?\",\"required\":true,\"options\":{\"label2\":\"Palun t\\u00e4psustage\"}}]}],\"footerFields\":[{\"type\":\"checkbox\",\"name\":\"privacy\",\"label\":\"Annan AS Finora Bank n\\u00f5usoleku oma andmete t\\u00f6\\u00f6tlemiseks ja andmete edastamiseks kolmandatele osapooltele vastavalt <a href=\\\"https:\\\/\\\/finorabank.eu\\\/et\\\/privaatsuspoliitika\\\/\\\" target=\\\"_blank\\\">Isikuandmete t\\u00f6\\u00f6tlemise tingimustele<\\\/a>. Olen teadlik, et AS Finora Bank v\\u00f5ib teha mulle laenu v\\u00e4ljastamiseks otsuse minu poolt taotluses esitatud ja muudes asjakohastes andmekogudes olevate andmete p\\u00f5hjal ning et mul on tehtava otsuse kohta v\\u00f5imalik esitada vastuv\\u00e4ide oma \\u00f5igustatud huvi kaitseks.\",\"required\":true},{\"type\":\"checkbox\",\"name\":\"newsletter\",\"label\":\"Olen n\\u00f5us saama Finora Bank\\u2019i uudiskirju, soovitusi ja kasulikke n\\u00f5uandeid ning pakkumisi.\",\"required\":false}],\"submit\":\"K\\u00fcsi pakkumist\"}\t\t\t\t}\n\t\t\t<\/script>\n\t\t\t<div id=\"app\"><\/div>\n\t\t\t<script type=\"module\" crossorigin src=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/apply-form\/dist\/assets\/index.js?v=16\"><\/script>\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/apply-form\/dist\/assets\/index.css?v=16\">\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n<\/div>\n\n<div class=\"lazyblock-service-process-Im2b5 wp-block-lazyblock-service-process\" id=\"process\">\n\n\n<section class=\"service-block\">\n\t<div class=\"service-block__container\">\n\t\t<div class=\"service-block__title-row\">\n\t\t\t<div class=\"service-block__icon\"><img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/img\/process.svg\"><\/div>\n\t\t\t<h2 class=\"service-block__title\">Protsess<\/h2>\n\t\t<\/div>\n\t\t<div class=\"service-block__content\">\n\t\t\t\t\t\t\t<div class=\"service-block__process-step\">\n\t\t\t\t\t<h3>SAMM 1<\/h3>\n\t\t\t\t\t<div class=\"service-block__process-subtitle\">T\u00e4itke taotlus<\/div>\n\t\t\t\t\t<div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"service-block__process-step\">\n\t\t\t\t\t<h3>SAMM 2<\/h3>\n\t\t\t\t\t<div class=\"service-block__process-subtitle\">Esitage dokumendid<\/div>\n\t\t\t\t\t<div>Eelmise majandusaasta aruanne, bilanss ja kasumiaruanne (mitte vanemad kui 6 kuud), tagatisvara hindamisakt v\u00f5i fotod, t\u00e4pne aadress ning viimase 6 kuu konto v\u00e4ljav\u00f5tted.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"service-block__process-step\">\n\t\t\t\t\t<h3>SAMM 3<\/h3>\n\t\t\t\t\t<div class=\"service-block__process-subtitle\">Laenuotsus<\/div>\n\t\t\t\t\t<div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"service-block__process-step\">\n\t\t\t\t\t<h3>SAMM 4<\/h3>\n\t\t\t\t\t<div class=\"service-block__process-subtitle\">Lepingu s\u00f5lmimine<\/div>\n\t\t\t\t\t<div>Edastame laenu- ja k\u00e4enduslepingu digitaalseks allkirjastamiseks. Esmase lepingu puhul teeme videotuvastuse veebi kaudu ning peale h\u00fcpoteegi seadmist notaris makstakse laen kohe v\u00e4lja.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n<div class=\"lazyblock-service-faq-Z2poGmO wp-block-lazyblock-service-faq\" id=\"faq\">\n\n\n<section class=\"service-block\">\n\t<div class=\"service-block__container\">\n\t\t<div class=\"service-block__title-row\">\n\t\t\t<div class=\"service-block__icon\"><img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/img\/faq.svg\"><\/div>\n\t\t\t<h2 class=\"service-block__title\">Korduma kippuvad k\u00fcsimused<\/h2>\n\t\t<\/div>\n\t\t<div class=\"service-block__content\">\n\t\t\t<div class=\"service-block__faq accordion-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Millised dokumendid tuleb laenu taotlejal esitada?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tLaenu taotlemiseks tuleb esitada allj\u00e4rgnevad dokumendid:<br>\u2022 Laenutaotlus,<br>\u2022 Tagatisvara hindamisakt v\u00f5i t\u00e4pne aadress ja fotod,<br>\u2022 Viimase 6 kuu konto v\u00e4ljav\u00f5tted (panga kinnitusega),<br>\u2022 Kohustuste lahtikirjutused (kuumakse, krediidiandja, l\u00f5ppt\u00e4htaeg, laenuj\u00e4\u00e4k).\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Millised kulutused kaasnevad lepingu s\u00f5lmimisega peale lepingutasu?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tLepingu s\u00f5lmimisel tuleb lisaks arvestada ka notaritasu ja riigil\u00f5ivuga (mille suurus s\u00f5ltub vastava teenusepakkuja hinnakirjast ja riigi poolt s\u00e4testatud l\u00f5ivudest). Veel lisanduvad kinnistu (eramu, korteriomand, \u00e4ripind) kindlustuskulud.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Kas laenusummat on v\u00f5imalik ennet\u00e4htaegselt tagastada?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tJah, vastavalt laenulepingu tingimustele on laenusummat v\u00f5imalik tagastada igal ajahetkel, kas osaliselt v\u00f5i t\u00e4ies mahus. \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Mida saab laenu tagatiseks kasutada?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tH\u00fcpoteeklaenu tagatiseks sobib kinnisvara, ehk korter, eramu v\u00f5i maa. Laenu v\u00e4ljastame tavap\u00e4raselt 50-75% ulatuses tagatisvara v\u00e4\u00e4rtusest.Samuti aktsepteerime lisatagtisena ka juhatuse liikme k\u00e4endust.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Kas laenuperioodi saab pikendada?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tJah, h\u00fcpoteeklaenu perioodi on v\u00f5imalik pikendada. Soovi korral tuleb edastada vabas vormis avaldus.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Kas laenu saab taotleda ka makseh\u00e4iretega ettev\u00f5te?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\t\u00dcldjuhul see kahjuks v\u00f5imalik ei ole. Samas on iga juhtum eriline, nii et kuulame alati \u00e4ra ning anal\u00fc\u00fcsime iga projekti eraldi.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Mis juhtub siis, kui ettev\u00f5ttel ei ole v\u00f5imalik laenu \u00f5igel ajal tagastada?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tSellisel juhul tuleks v\u00f5tta \u00fchendust oma laenuhalduriga. Kindlasti tuleb seda teha enne laenu tagasimakse kuup\u00e4eva, et saaksime vajadusel lepingutingimused uuesti \u00fcle vaadata ja laenuperioodi pikendada v\u00f5i maksepuhkuse vormistada.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Kuidas saab laenulepingut allkirjastada?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tMeie edastame eelt\u00e4idetud laenulepingu, mille palume esindus\u00f5igust omaval isikul digitaalselt allkirjastada ja tagasi saata.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"ac\">\n\t\t\t\t\t\t<h3 class=\"ac-header ac-trigger\">\n\t\t\t\t\t\t\t<span>Kui palju kulub aega laenu saamiseks?<\/span><span class=\"chevron\"><svg enable-background=\"new 0 0 30 30\" viewBox=\"0 0 30 30\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g stroke=\"#0101fd\"><circle cx=\"15\" cy=\"15\" fill=\"none\" r=\"14.5\"\/><path d=\"m20.4 13.9-5 5c-.1.1-.3.1-.4.1s-.3-.1-.4-.2l-5-5c-.2-.2-.2-.6 0-.8s.6-.2.8 0l4.6 4.6 4.6-4.6c.2-.2.6-.2.8 0 .2.3.2.7 0 .9z\" fill=\"#0101fd\" stroke-width=\".1\"\/><\/g><\/svg><\/span>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<div class=\"ac-panel\">\n\t\t\t\t\t\t\t<div class=\"ac-content\">\n\t\t\t\t\t\t\t\tEsmase tagasiside saame anda peale dokumentide esitamist 1-2 p\u00e4eva jooksul. Peale notaritehingut saame laenu v\u00e4ljastada 1\u20133 t\u00f6\u00f6p\u00e4eva jooksul, \u00fcldjuhul teeme seda notaris k\u00e4iguga samal p\u00e4eval.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n<div class=\"lazyblock-experts-p2n55 wp-block-lazyblock-experts\">\n\n\n<section class=\"experts\">\n\t<div class=\"l-container\">\n\t\t<h2 class=\"experts__title\">V\u00f5ta \u00fchendust:<\/h2>\n\n\t\t<div class=\"experts__list\">\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"expert\">\n\t\t\t\t\t<div class=\"expert__thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2025\/03\/Raigo-Piil.png\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"expert__content\">\n\t\t\t\t\t\t<h3>Raigo Piil<\/h3>\n\t\t\t\t\t\t<div class=\"expert__job-title\">\u00c4rikliendihaldur<\/div>\n\t\t\t\t\t\t<div class=\"expert__phone\"><a href=\"tel:+372 5 393 7496\">+372 5 393 7496<\/a><\/div>\n\t\t\t\t\t\t<div class=\"expert__email\"><a href=\"mailto:raigo.piil@finorabank.eu\">raigo.piil@finorabank.eu<\/a><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"expert\">\n\t\t\t\t\t<div class=\"expert__thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2025\/03\/Julia-Aiste.png\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"expert__content\">\n\t\t\t\t\t\t<h3>Julia Aiste<\/h3>\n\t\t\t\t\t\t<div class=\"expert__job-title\">\u00c4rikliendihaldur<\/div>\n\t\t\t\t\t\t<div class=\"expert__phone\"><a href=\"tel:+372 5 194 0603\">+372 5 194 0603<\/a><\/div>\n\t\t\t\t\t\t<div class=\"expert__email\"><a href=\"mailto:julia.aiste@finorabank.eu\">julia.aiste@finorabank.eu<\/a><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"expert\">\n\t\t\t\t\t<div class=\"expert__thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2025\/03\/Gert-Lehtme.png\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"expert__content\">\n\t\t\t\t\t\t<h3>Gert Lehtme<\/h3>\n\t\t\t\t\t\t<div class=\"expert__job-title\">\u00c4rikliendihaldur<\/div>\n\t\t\t\t\t\t<div class=\"expert__phone\"><a href=\"tel:+372 5 348 4864\">+372 5 348 4864<\/a><\/div>\n\t\t\t\t\t\t<div class=\"expert__email\"><a href=\"mailto:gert.lehtme@finorabank.eu\">gert.lehtme@finorabank.eu<\/a><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":10142,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-10140","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/pages\/10140","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/comments?post=10140"}],"version-history":[{"count":15,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/pages\/10140\/revisions"}],"predecessor-version":[{"id":10941,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/pages\/10140\/revisions\/10941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/media\/10142"}],"wp:attachment":[{"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/media?parent=10140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}