{"id":276,"date":"2020-11-02T17:32:23","date_gmt":"2020-11-02T15:32:23","guid":{"rendered":"https:\/\/avanss.ee\/blogi\/?p=276"},"modified":"2022-09-20T11:24:58","modified_gmt":"2022-09-20T08:24:58","slug":"krediidi-kulukuse-maar-ehk-kkm","status":"publish","type":"post","link":"https:\/\/avanss.ee\/blogi\/krediidi-kulukuse-maar-ehk-kkm\/","title":{"rendered":"Krediidi kulukuse m\u00e4\u00e4r ehk KKM &#8211; Sinu olulisim laenun\u00e4itaja"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Laenu v\u00f5ttes tuleb \u00f5ige otsuse ja parima valiku tegemiseks aru saada pakkumises toodud numbritest. \u00dcks, tihti isegi k\u00f5ige informatiivsem number, mida vaadata, on krediidi kulukuse m\u00e4\u00e4r &#8211;\u00a0 teatud ka kui krediidi kogukulu, tarbijakrediidi kulukuse m\u00e4\u00e4r v\u00f5i lihtsalt KKM.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">KKM reguleerib t\u00e4na nii pettustevaba laenuturgu kui aitab Sul odavaimaks pakkumiseks laene omavahel v\u00f5rrelda. <\/span><b>Loe l\u00e4hemalt, mida KKM n\u00e4itab ja miks see on \u00fcks olulisim number, mida oma laenupakkumises vaadata?<\/b><\/p>\n<h2><strong>Mis on ja mida n\u00e4itab krediidi kulukuse m\u00e4\u00e4r ehk krediidi kogukulu?<\/strong><\/h2>\n<p><b>Krediidi kulukuse m\u00e4\u00e4r ehk KKM on n\u00e4itaja, mis iseloomustab laenu kallidust \u00fche aasta kohta.<\/b><span style=\"font-weight: 400;\"> KKM taga on valem, mis arvestab <\/span><b>k\u00f5iki laenuga kaasnevaid kulusid<\/b><span style=\"font-weight: 400;\"> &#8211; nii selgelt n\u00e4htavat intressim\u00e4\u00e4ra kuid tihti ka esmapilgul varju j\u00e4\u00e4vaid kulusid nagu lepingutasud.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">KKM valemisse on arvestatud:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">laenatav summa,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">tagasimakse perioodi,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">intressim\u00e4\u00e4rad,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">lepinguga kaasnevad kulud,<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">k\u00f5ik muud kulud.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Huvi korral vaata t\u00e4pset KKM valemit Riigiteataja <\/span><a href=\"https:\/\/www.riigiteataja.ee\/akt\/13363716\"><span style=\"font-weight: 400;\">Tarbijakrediidi kulukuse m\u00e4\u00e4ra arvutamise korrast<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">T\u00e4na peab krediidi kogukulu <\/span><a href=\"https:\/\/fi.ee\/et\"><span style=\"font-weight: 400;\">Finantsinspektsiooni<\/span><\/a><span style=\"font-weight: 400;\"> korraldusel olema v\u00e4lja toodud iga laenupakkumise juures. Oma laenupakkumiste KKM-e v\u00f5rreldes tasub meeles pidada, et maksimaalse lubatud KKM on <\/span><b>48.90%<\/b><span style=\"font-weight: 400;\"> (20.09.2022 seisuga) ehk kolmekordne <\/span><a href=\"https:\/\/www.eestipank.ee\"><span style=\"font-weight: 400;\">Eesti Panga<\/span><\/a><span style=\"font-weight: 400;\"> keskmine KKM.\u00a0<\/span><\/p>\n<h2><strong>Miks on KKM Sulle kasulik n\u00e4itaja?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">KKM Sul hinnata aastast laenu hinda protsentuaalselt. Tihti ei t\u00e4henda ainu\u00fcksi v\u00e4iksem intress automaatselt odavamat laenu &#8211; teinekord teevad just lisanduvad k\u00f5rval- ja lepingukulud laenu kulukaks. KKM olemus annab Sulle lihtsa v\u00f5imaluse erinevate tingimustega pakkumisi omavahel h\u00f5lpsalt v\u00f5rrelda.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/laenukompass.ee\/\">Laenude v\u00f5rdlemine<\/a> on lihtne: mida suurem on pakkumise KKM, seda kallim laen Sulle \u00fche aasta kohta on. Kindlasti veendu pakkumisi v\u00f5rreldes, et neil olevad laenusumma ja periood oleks sarnased &#8211; nii aitab KKM Sul just \u201cn\u00e4htamatutest\u201d kuludest aimu saada ja v\u00e4iksema KKM alusel odavaima laenu valiku teha.\u00a0<\/span><\/p>\n<h2><strong>Intress ja KKM &#8211; kaks t\u00e4itsa erinevat n\u00e4itajat<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Intress on laenu kalliduse kohta ainult pool t\u00f5de ja \u00fcks kaasnev kulu. Krediidi kulukuse m\u00e4\u00e4r aga h\u00f5lmab endas nii intressim\u00e4\u00e4ra kui k\u00f5iki muid laenulepingute ja &#8211; tingimustega kaasnevaid kuluartikleid.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sel p\u00f5hjusel tasub skepsisega suhtuda k\u00f5ikidesse kampaaniatesse, mis reklaamivad laenule olematut intressim\u00e4\u00e4ra. Kindlasti vaata ise ka KKM-i ning k\u00fcsi nii suurema kui v\u00e4iksema intressiga erinevatelt laenuandjatelt ka alternatiivseid pakkumisi. Nii saad sama laenu kallidusest tegeliku pildi ja p\u00e4\u00e4sed ehk ka reklaamil\u00f5ksu langemisest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Intressi suurus aga m\u00e4ngib olulisemat rolli just suuremate laenusummade juures, nt kui v\u00f5tad kodulaenu.<\/span><\/p>\n<h2><strong>Pane t\u00e4hele! KKM erip\u00e4ra l\u00fchiajalise laenu korral\u00a0<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Krediidi kulukuse m\u00e4\u00e4ra valem on loodud v\u00f5rdlemaks laenu aastast kulu. Tihti v\u00f5etakse m\u00f5ned tarbimis- v\u00f5i kiirlaenud aga vaid m\u00f5neks kuuks. KKM numbrile pilku heites, pea meeles, et:\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><b>\u00dcle aastase tagasimakseperioodiga laenude KKM ei tohiks kindlasti olla suurim maksimaalsest lubatust.<\/b><span style=\"font-weight: 400;\"> Omalt poolt soovitame leida laenu, mille KKM on kuskil 20% l\u00e4histel, ideaalis isegi alla selle. Siis saad \u00fcsna hea pakkumise!<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Kui vaatad alla aastase tagasimakseperioodiga laenusid, siis arvesta, et KKM n\u00e4itab Sulle laenu kallidust aasta kohta, isegi kui tagasimakseperiood on l\u00fchem.<\/b><span style=\"font-weight: 400;\"> Nii v\u00f5ib m\u00f5nekuuse laenuperioodi ja lepingutasude korral KKM tunduda lubamatult k\u00f5rge ning ei ole seega\u00a0 l\u00fchilaenude puhul alati ka k\u00f5ige objektiivsem laenun\u00e4itaja.\u00a0<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><b>N\u00e4iteks: <\/b><span style=\"font-weight: 400;\">V\u00f5ttes 100 eurot 10% intressi ja 10\u20ac lepingutasuga \u00fcheks kuuks teeb tagasimakse 120\u20ac. KKM n\u00e4itab siin aga \u00fc\u00fcratut protsenti, kordades \u00fcle lubatu, kuna h\u00f5lmab mitte \u00fchte kuud vaid tervet aastat.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Seega pole KKM l\u00fchilaenude korral adekvaatne n\u00e4itaja. Siin tasub laenude v\u00f5rdlusel s\u00e4ilitada kaine m\u00f5istus ning kulud enda jaoks l\u00e4bi m\u00f5elda. Vajadusel saad ka laenupakkujalt konkreetsete summadega tagasimakse graafiku paluda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kuna Avanss.ee pakub laene vaid loetud kuudeks, tasub ka meie laenude korral KKM numbrit tavap\u00e4rasest pisut teise pilguga vaadata ning konkreetseid kuuplaane laenuhalduritelt k\u00fcsida. K\u00fcll aga v\u00f5ta KKM \u00fcheks olulisemaks n\u00e4itajaks aastast pikemate <\/span><a href=\"https:\/\/raha24.ee\/et\/laenud\/vaikelaen\/\"><span style=\"font-weight: 400;\">tarbimislaenude<\/span><\/a><span style=\"font-weight: 400;\"> puhul.\u00a0<\/span><\/p>\n<p>Loe samal teemal ka Rahablogist aadressil:<\/p>\n<p><a href=\"https:\/\/raha24.ee\/et\/rahablogi\/mis-on-krediidi-kulukuse-maar\/\">https:\/\/www.raha24.ee\/et\/rahablogi\/mis-on-krediidi-kulukuse-maar\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Laenu v\u00f5ttes tuleb \u00f5ige otsuse ja parima valiku tegemiseks aru saada pakkumises toodud numbritest. \u00dcks, tihti isegi k\u00f5ige informatiivsem number, mida vaadata, on krediidi kulukuse m\u00e4\u00e4r &#8211;\u00a0 teatud ka kui krediidi kogukulu, tarbijakrediidi kulukuse m\u00e4\u00e4r v\u00f5i lihtsalt KKM.\u00a0 KKM reguleerib t\u00e4na nii pettustevaba laenuturgu kui aitab Sul odavaimaks pakkumiseks laene omavahel v\u00f5rrelda. Loe l\u00e4hemalt, mida [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":279,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.14 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Krediidi kulukuse m\u00e4\u00e4r ehk KKM - Sinu olulisim laenun\u00e4itaja - Avanss.ee blogi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avanss.ee\/blogi\/krediidi-kulukuse-maar-ehk-kkm\/\" \/>\n<meta property=\"og:locale\" content=\"et_EE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Krediidi kulukuse m\u00e4\u00e4r ehk KKM - Sinu olulisim laenun\u00e4itaja - Avanss.ee blogi\" \/>\n<meta property=\"og:description\" content=\"Laenu v\u00f5ttes tuleb \u00f5ige otsuse ja parima valiku tegemiseks aru saada pakkumises toodud numbritest. \u00dcks, tihti isegi k\u00f5ige informatiivsem number, mida vaadata, on krediidi kulukuse m\u00e4\u00e4r &#8211;\u00a0 teatud ka kui krediidi kogukulu, tarbijakrediidi kulukuse m\u00e4\u00e4r v\u00f5i lihtsalt KKM.\u00a0 KKM reguleerib t\u00e4na nii pettustevaba laenuturgu kui aitab Sul odavaimaks pakkumiseks laene omavahel v\u00f5rrelda. 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