{"id":186,"date":"2022-08-08T10:51:13","date_gmt":"2022-08-08T08:51:13","guid":{"rendered":"https:\/\/finorabank.eu\/?page_id=186"},"modified":"2026-04-17T14:54:34","modified_gmt":"2026-04-17T12:54:34","slug":"hupoteeklaen","status":"publish","type":"page","link":"https:\/\/finorabank.eu\/et\/hupoteeklaen\/","title":{"rendered":"H\u00fcpoteeklaen"},"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>H\u00fcpoteeklaen ehk kinnisvaraga tagatud laen<\/h1>\t\t\t\t\t\t\t<div class=\"hero__content-txt\"><ul>\n<li>Kiire otsustusprotsess<\/li>\n<li>Lai kasutusv\u00f5imalus<\/li>\n<li>Paindlik maksegraafik<\/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>T\u00e4ida laenu taotlus<\/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\/2023\/03\/mortage-hero.jpg\" 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>\u00dcldine informatsioon<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#process\"><span>02.<\/span>Protsess<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#price\"><span>03.<\/span>Hinnakiri ja tingimused<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#faq\"><span>04.<\/span>KKK<\/a><\/li>\n\t\t\t\t\t\t\t<li><a class=\"smooth-scroll\" href=\"#form\"><span>05.<\/span>Taotle h\u00fcpoteeklaenu<\/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\">\u00dcldine informatsioon<\/h2>\n\t\t<\/div>\n\t\t<div class=\"service-block__content\">\n\t\t\t\n\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<p><strong>H\u00fcpoteeklaen ehk kinnisvaraga tagatud laen<\/strong>&nbsp;on ettev\u00f5tluseks m\u00f5eldud laen, mille puhul pole laenusumma kasutamine rangelt reglementeeritud ja mille t\u00e4htaeg v\u00f5ib olla kuni 10 aastat.<\/p>\n\n\n\n<p>Kinnisvara tagatisel antav laen on k\u00f5ige mitmek\u00fclgsema kasutusotstarbega laenutoode, mis sobib h\u00e4sti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kinnisvara soetamiseks, ehitamiseks v\u00f5i renoveerimiseks ( sh lao-ja tootmishooned)<\/li>\n\n\n\n<li>p\u00f5hivara ja\/ v\u00f5i seadmete soetamiseks<\/li>\n\n\n\n<li>k\u00e4ibevahendite finantseerimine<\/li>\n\n\n\n<li>kohustuste refinantseerimiseks<\/li>\n\n\n\n<li>\u00e4ri alustamiseks<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">H\u00fcpoteeklaenu eelised:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kiire otsustusprotsess<\/li>\n\n\n\n<li>Laenusumma ning t\u00e4htaeg on pikemad kui mikrolaenude puhul<\/li>\n\n\n\n<li>Paindlik maksegraafik<\/li>\n\n\n\n<li>Personaalne l\u00e4henemine<\/li>\n\n\n\n<li>Omafinantseering ei ole n\u00f5utud<\/li>\n\n\n\n<li>Lai kasutusv\u00f5imalus:<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\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-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\">Hinnakiri ja tingimused<\/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\">LAENUSUMMA:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">alates 25 000\u20ac, maksimaalselt 75% tagatise turuv\u00e4\u00e4rtusest<\/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\">TAGASTAMISPERIOOD:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">kuni 10 aastat<\/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\">INTRESS:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">alates 6%<\/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\">LEPINGUTASU:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">alates 1,5 % laenusummast, min 500\u20ac<\/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\">TAGATIS:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">h\u00fcpoteek kinnisasjale <\/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\">HINDAMISAKT:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">Kohustuslik<\/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\">MAKSEPUHKUS:<\/div>\n\t\t\t\t\t\t<div class=\"service-block__price\">kuni 6 kuud<\/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* Tagatiseks sobib kinnisvara, mis asub Eestis, olgu see korter, eramu, majaosa, \u00e4ripind v\u00f5i erineva sihtotstarbega maa. <br>* Maksekuup\u00e4eva muutmine \u2013 esimene kord tasuta, j\u00e4rgmisel korral rakendub lepingu muutmise tasu.\u2028\u2028 <br>\t\t\t<\/div>\n\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>Kui pikaks ajaks saab h\u00fcpoteeklaenu v\u00f5tta?<\/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 maksimaalne periood on 10 aastat.\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 omaniku 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<div class=\"lazyblock-reports-Z1xqyuN wp-block-lazyblock-reports\">\n<section class=\"service-block service-block--contained\">\n    <div class=\"service-block__container\">\n        <div class=\"service-block__title-row\">\n            <div class=\"service-block__icon\"><img decoding=\"async\" src=\"https:\/\/finorabank.eu\/wp-content\/themes\/finora\/img\/icon-1.svg\"><\/div>\n            <h2 class=\"service-block__title\">\u00dcldine teave<\/h2>\n        <\/div>\n        <div class=\"service-block__content\">\n            <div class=\"service-block__reports\">\n                                    <a href=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2026\/04\/LAENULEPING_2026-04-17.pdf\"><span>Laenulepingu \u00fcldosa<\/span><svg fill=\"none\" height=\"32\" viewBox=\"0 0 32 32\" width=\"32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m10.5938 4.1875c-4.44692 2.06074-7.5938 6.6097-7.5938 11.8125 0 7.1455 5.85455 13 13 13 7.1455 0 13-5.8545 13-13 0-5.2028-3.1469-9.75176-7.5938-11.8125l-.8124 1.8125c3.7531 1.73926 6.4062 5.6028 6.4062 10 0 6.0545-4.9455 11-11 11-6.05455 0-11-4.9455-11-11 0-4.3972 2.65312-8.26074 6.4062-10zm4.4062 3.8125v10.0625l-3.2812-3.2813-1.4376 1.4376 5 5 .7188.6874.7188-.6874 5-5-1.4376-1.4376-3.2812 3.2813v-10.0625z\" fill=\"#0000fd\"\/><\/svg><\/a>\n                                    <a href=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2026\/03\/1.-TEENUSTE-OSUTAMISE-ULDTINGIMUSED-General-Conditions.pdf\"><span>\u00dcldtingimused<\/span><svg fill=\"none\" height=\"32\" viewBox=\"0 0 32 32\" width=\"32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m10.5938 4.1875c-4.44692 2.06074-7.5938 6.6097-7.5938 11.8125 0 7.1455 5.85455 13 13 13 7.1455 0 13-5.8545 13-13 0-5.2028-3.1469-9.75176-7.5938-11.8125l-.8124 1.8125c3.7531 1.73926 6.4062 5.6028 6.4062 10 0 6.0545-4.9455 11-11 11-6.05455 0-11-4.9455-11-11 0-4.3972 2.65312-8.26074 6.4062-10zm4.4062 3.8125v10.0625l-3.2812-3.2813-1.4376 1.4376 5 5 .7188.6874.7188-.6874 5-5-1.4376-1.4376-3.2812 3.2813v-10.0625z\" fill=\"#0000fd\"\/><\/svg><\/a>\n                                    <a href=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2026\/03\/3.-PANGA-KONTO-LEPING-Bank-Account-Agreement-General-Part-1.pdf\"><span> Pangakonto lepingu \u00fcldtingimused<\/span><svg fill=\"none\" height=\"32\" viewBox=\"0 0 32 32\" width=\"32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m10.5938 4.1875c-4.44692 2.06074-7.5938 6.6097-7.5938 11.8125 0 7.1455 5.85455 13 13 13 7.1455 0 13-5.8545 13-13 0-5.2028-3.1469-9.75176-7.5938-11.8125l-.8124 1.8125c3.7531 1.73926 6.4062 5.6028 6.4062 10 0 6.0545-4.9455 11-11 11-6.05455 0-11-4.9455-11-11 0-4.3972 2.65312-8.26074 6.4062-10zm4.4062 3.8125v10.0625l-3.2812-3.2813-1.4376 1.4376 5 5 .7188.6874.7188-.6874 5-5-1.4376-1.4376-3.2812 3.2813v-10.0625z\" fill=\"#0000fd\"\/><\/svg><\/a>\n                                    <a href=\"https:\/\/finorabank.eu\/wp-content\/uploads\/2026\/03\/2.-MAKSETEENUSTE-OSUTAMISE-EESKIRJAD-1.pdf\"><span> Makseteenuste \u00fcldtingimused<\/span><svg fill=\"none\" height=\"32\" viewBox=\"0 0 32 32\" width=\"32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m10.5938 4.1875c-4.44692 2.06074-7.5938 6.6097-7.5938 11.8125 0 7.1455 5.85455 13 13 13 7.1455 0 13-5.8545 13-13 0-5.2028-3.1469-9.75176-7.5938-11.8125l-.8124 1.8125c3.7531 1.73926 6.4062 5.6028 6.4062 10 0 6.0545-4.9455 11-11 11-6.05455 0-11-4.9455-11-11 0-4.3972 2.65312-8.26074 6.4062-10zm4.4062 3.8125v10.0625l-3.2812-3.2813-1.4376 1.4376 5 5 .7188.6874.7188-.6874 5-5-1.4376-1.4376-3.2812 3.2813v-10.0625z\" fill=\"#0000fd\"\/><\/svg><\/a>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\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\">Taotle h\u00fcpoteeklaenu<\/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 asukoht\",\"fields\":[{\"type\":\"select\",\"name\":\"realestate\",\"options\":[{\"key\":\"korter\",\"value\":\"Korter\"},{\"key\":\"eramu\",\"value\":\"Eramu\"},{\"key\":\"maa\",\"value\":\"Maa\"}],\"label\":\"Kinnisvara\",\"required\":true},{\"type\":\"select\",\"name\":\"county\",\"options\":[{\"key\":\"1\",\"value\":\"Harju maakond\"},{\"key\":\"2\",\"value\":\"Hiiu maakond\"},{\"key\":\"3\",\"value\":\"Ida-Viru maakond\"},{\"key\":\"5\",\"value\":\"J\\u00f5geva maakond\"},{\"key\":\"4\",\"value\":\"J\\u00e4rva maakond\"},{\"key\":\"6\",\"value\":\"L\\u00e4\\u00e4ne maakond\"},{\"key\":\"7\",\"value\":\"L\\u00e4\\u00e4ne-Viru maakond\"},{\"key\":\"9\",\"value\":\"P\\u00f5lva maakond\"},{\"key\":\"8\",\"value\":\"P\\u00e4rnu maakond\"},{\"key\":\"10\",\"value\":\"Rapla maakond\"},{\"key\":\"11\",\"value\":\"Saare maakond\"},{\"key\":\"12\",\"value\":\"Tartu maakond\"},{\"key\":\"13\",\"value\":\"Valga maakond\"},{\"key\":\"14\",\"value\":\"Viljandi 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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\n\t<\/div>\n<\/div>\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 meie t\u00f6\u00f6tajatega \u00fchendust personaalseks teeninduseks<\/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":3208,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-186","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/pages\/186","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=186"}],"version-history":[{"count":59,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/pages\/186\/revisions"}],"predecessor-version":[{"id":12316,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/pages\/186\/revisions\/12316"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/media\/3208"}],"wp:attachment":[{"href":"https:\/\/finorabank.eu\/et\/wp-json\/wp\/v2\/media?parent=186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}