{"id":16766,"date":"2021-06-30T13:43:02","date_gmt":"2021-06-30T13:43:02","guid":{"rendered":"http:\/\/triniti.eu\/insights\/positiivsest-krediidiregistrist-on-voita-nii-tarbijal-kui-krediidiandjal\/"},"modified":"2026-04-15T13:39:31","modified_gmt":"2026-04-15T13:39:31","slug":"positiivsest-krediidiregistrist-on-voita-nii-tarbijal-kui-krediidiandjal","status":"publish","type":"insights","link":"https:\/\/triniti.1kdigital.com\/et\/insights\/positiivsest-krediidiregistrist-on-voita-nii-tarbijal-kui-krediidiandjal\/","title":{"rendered":"Positiivsest krediidiregistrist on v\u00f5ita nii tarbijal kui krediidiandjal"},"content":{"rendered":"\n<strong>Positiivne krediidiregister koondab andmed tarbija finantskohustuste kohta, muutes laenu taotlemise mugavamaks, laenu andmise turvalisemaks ning eelduslikult ka laenud odavamaks.<!--more--><\/strong>\r\n\r\n<a href=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2021\/06\/board-3700116_1920.jpg\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-12645\" src=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2021\/06\/board-3700116_1920.jpg\" alt=\" width=\" height=\"1280\" \/><\/a>\r\n\r\nEestis on olemas ja laialdaselt kasutusel isikute makseh\u00e4ireregister ehk n\u00f6 negatiivne krediidiregister, kust on k\u00e4ttesaadav info isikute v\u00f5lgnevuste kohta. Samas puudub koondatud info n\u00f6 positiivse krediiditeabe ehk isikute finantskohustuste seisu kohta \u00fcldisemalt. Positiivse krediidiregistri idee ei ole liigitada isikuid ega nende krediidiseisu skaalale hea-halb, vaid vastandina v\u00f5lgnevuse infole koguda kokku seesugune teave tarbijate finantskohustuste kohta, mida isik laenu taotlemisel laenuandjale esitama ning viimane omakorda kontrollima peab.\r\n\r\nHetkel on seesuguse registri loomine Eestis alles v\u00e4ljat\u00f6\u00f6tamiskavatsuse faasis, kuid valdavas osas Euroopas on selline register juba olemas. Enne registri loomiseks vajaliku seaduseeln\u00f5u s\u00fcndimist on tarvis langetada otsuseid veel nii m\u00f5neski p\u00f5him\u00f5ttelises k\u00fcsimuses, sh kas register peaks olema avaliku v\u00f5imu hallata v\u00f5i v\u00f5iks registri pidamine kuuluda erasektori k\u00e4tesse, kas register peaks toimima andmebaasina v\u00f5i pigem andmevahetus-platvormina jne.\r\n<h5>Positiivse krediidiregistri positiivne m\u00f5ju tarbijale<\/h5>\r\nEkspertide hinnangul muutuks positiivse registri olemasolul laenu taotlemine lihtsamaks, odavamaks ja turvalisemaks. Hetkel on laenu saamiseks laenuandjale vajaliku info kogumine ja jagamine tarbija jaoks keeruline ning aegan\u00f5udev. Tihtipeale ei ole t\u00f5rgete p\u00f5hjuseks isegi mitte isiku soov oma andmeid varjata, vaid oskamatus neid adekvaatselt koguda ja laenutaotlemise protsessis kasutada. Positiivne krediidiregister koondab vajalikud andmed tarbija jaoks kokku ning tarbija \u00fclesandeks j\u00e4\u00e4b vaid laenuandjale vajalikule infole ligip\u00e4\u00e4setavuse v\u00f5imaldamine. Seega kaasneb registriga eeldatavasti asjakohaste andmete kvaliteedi kasv ning laenu andmisel arvestamisele kuuluv oluline info ei j\u00e4\u00e4 laenuandja eest varjatuks.\r\n\r\nTarbija jaoks muutuks h\u00f5lpsamaks ka laenupakkumiste v\u00f5tmine ja v\u00f5rdlemine, kuna positiivne krediidiregister loob krediidipakkujale v\u00f5imaluse tarbija n\u00f5usolekul tema andmeid vajalikus ulatuses vaadata ning seej\u00e4rel juba \u00fcsna automatiseeritud kujul tarbijale pakkumine teha. Seega ei pea inimene enam igale laenupakkujale eraldi andmeid esitama, mis aitab oluliselt v\u00e4hendada laenutaotlemisega kaasnevat aja- jm kulu. L\u00e4bi pakkumiste kogumise faasi lihtsustumise muutub laenamine tarbijale eelduslikult odavamaks, kuna krediidiandjad on j\u00e4rjest enam sunnitud arvestama ka teiste turuosaliste pakkumistega, mis tarbijatele kergemini k\u00e4ttesaadavaks muutuvad.\r\n\r\nTarbijale on kindlasti oluline ka registriga kaasnev v\u00f5imalus pettuste ennetamiseks. J\u00e4rjest enam levivad petuskeemid, kus inimese nimele v\u00f5etakse suures koguses laenukohustusi ja korraga paljude erinevate krediidiandjate juurest. Sellisel puhul toimib positiivne krediidiregister n\u00f6 h\u00e4irekellana &#8211; kui krediidiandjale saab registri vahendusel teatavaks, et tarbija nimel on esitatud korraga palju erinevaid laenutaotlusi, saab krediidipakkuja sellele vastavalt reageerida ning alusetut laenu andmist v\u00e4ltida. Seega on registril ka n\u00f6 kaitsem\u00fc\u00fcri funktsioon, aidates otseselt maandada pettuse riski.\r\n<h5>Positiivse krediidiregistri positiivne m\u00f5ju krediidiandjale<\/h5>\r\nKrediiditeabe koondamise plussina on v\u00e4lja toodud ka seda, et register v\u00f5imaldab krediidiandjatel senisest efektiivsemalt t\u00e4ita vastutustundliku laenamise p\u00f5him\u00f5tet. Et k\u00e4ituda vastutustundliku laenajana on krediidiandjal kohustus kontrollida laenutaotleja krediidiv\u00f5imelisust. Krediiditeavet koondava registri olemasolul h\u00f5lmaks see \u00fchtlasi krediidiandja kohustust teha enne laenuotsuse tegemist tarbija finantskohustuste seisu kohta p\u00e4ring vastavasse registrisse. Kliendi maksej\u00f5ulisuse kontrollimise suurem eesm\u00e4rk on v\u00e4ltida kliendi poolt \u00fcle enda v\u00f5imete laenu v\u00f5tmist ja laiemalt \u00fchiskonna sattumist n\u00f6 laenuorjusesse.\r\n\r\nKuiv\u00f5rd vajalik teave laenu taotleva isiku finantskohustuste seisu kohta on juba registrisse kokku koondatud ning isikul ei ole enam tarvis igale krediidiandjale samu andmeid eraldi presenteerida, siis t\u00f5staks positiivne krediidiregister \u00fchelt poolt andmete kvaliteeti ning teiselt poolt muudaks teabekontrolli protsessi lihtsamaks ja v\u00e4hendaks ka laenuandjate andmet\u00f6\u00f6tlusmahtu. Kuna register v\u00f5imaldab teha kliendile esmane pakkumine suhteliselt automatiseeritult, v\u00e4heneb krediidipakkujate t\u00f6\u00f6koormus ning kaasneb ka sellega seoses kulude kokkuhoid.\r\n<h5>Registri pidamise erinevad lahendused<\/h5>\r\nPositiivse krediidiregistri olemuse \u00fcle k\u00e4ib elav arutelu ning selle loomiseks on mitu valikut. On v\u00f5imalik luua andmebaas, mis h\u00f5lmaks andmeid isikute kehtivate finantskohustuste kohta, sh tarbijaile v\u00e4lja antud laenude mahtude, j\u00e4\u00e4kide, igakuiste maksete suuruse jne kohta. Andmeid vastavasse andmebaasi oleks kohustus esitada ja uuendada krediidiandjatel igakordsel tarbijaga krediiditehingu tegemisel v\u00f5i olemasoleva krediidilepingu tingimuste olulisel muutmisel.\r\n\r\nTeine alternatiiv on luua andmevahetus-platvorm, mille kaudu krediidiandjad vahetaksid omavahel vajalikku infot konkreetse isiku finantskohustuste kohta. Selline s\u00fcsteem v\u00e4ldiks n\u00f6 superandmebaasi loomist. Samas on leitud, et v\u00f5rreldes andmebaasiga v\u00f5ib andmevahetus-platvormi puhul kannatada saada laenuprotsessi t\u00f6\u00f6kindlus ja kiirus.\r\n\r\nKokkuv\u00f5ttes annab positiivne krediidiregister oluliselt parema arusaama tarbijate finantskohustuste seisust ning lisab tervikvaatena v\u00e4\u00e4rtust laenuprotsessi lihtsustamiseks ja turvalisemaks muutmiseks. L\u00e4bi laenupakkumiste v\u00f5rdlemise ja konkurentsi soodustamise, aga ka t\u00f6\u00f6mahu v\u00e4henemise on registril eelduslikult potentsiaal muuta laenud odavamaks.\r\n\r\n<span class=\"TextRun SCXW103070731 BCX8\" lang=\"ET-EE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW103070731 BCX8\">Heaks <\/span><span class=\"NormalTextRun SCXW103070731 BCX8\">lisakuulamiseks<\/span><span class=\"NormalTextRun SCXW103070731 BCX8\"> soovitame \u00c4rip\u00e4eva <\/span><span class=\"NormalTextRun SCXW103070731 BCX8\">Raadio\u00a0<\/span><span class=\"NormalTextRun SCXW103070731 BCX8\">samateemalist saadet sarjast\u00a0<\/span><\/span><span style=\"color: #008cc8;\"><a class=\"Hyperlink SCXW103070731 BCX8\" style=\"color: #008cc8;\" href=\"https:\/\/www.aripaev.ee\/raadio\/episood\/positiivne-krediidiregister-teeb-laenud-odavamaks\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW103070731 BCX8\" lang=\"ET-EE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW103070731 BCX8\" data-ccp-charstyle=\"Hyperlink\">TRINITI eetris<\/span><\/span><\/a><\/span><span class=\"TextRun Underlined SCXW103070731 BCX8\" lang=\"ET-EE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW103070731 BCX8\" data-ccp-charstyle=\"Hyperlink\">!<\/span><\/span><span class=\"TextRun SCXW103070731 BCX8\" lang=\"ET-EE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW103070731 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW103070731 BCX8\" data-ccp-charstyle=\"Garamond 12\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;fc67135a-41ce-4727-93d1-eca3c929fa31|37&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[134233614,&quot;true&quot;,201340122,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,268442635,&quot;24&quot;,469769226,&quot;Garamond,Calibri&quot;,469775450,&quot;Garamond 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data-contrast=\"auto\"><span class=\"NormalTextRun SCXW103070731 BCX8\" data-ccp-charstyle=\"Garamond 12\">\u00a0<\/span><span class=\"NormalTextRun SCXW103070731 BCX8\" data-ccp-charstyle=\"Garamond 12\">advokaatidega!<\/span><\/span>\r\n\r\n<span class=\"TextRun SCXW261828986 BCX8\" lang=\"ET-EE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261828986 BCX8\" data-ccp-parastyle=\"TORV baas\" data-ccp-parastyle-defn=\"{&quot;ObjectId&quot;:&quot;fc67135a-41ce-4727-93d1-eca3c929fa31|33&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[134233614,&quot;true&quot;,134234082,&quot;true&quot;,201340122,&quot;2&quot;,201341983,&quot;0&quot;,268442635,&quot;24&quot;,335551550,&quot;6&quot;,335551620,&quot;6&quot;,335559738,&quot;120&quot;,335559739,&quot;0&quot;,335559740,&quot;240&quot;,469769226,&quot;Garamond,Times New Roman&quot;,469775450,&quot;TORV baas&quot;,469777462,&quot;1440&quot;,469777841,&quot;Garamond&quot;,469777842,&quot;Times New 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target=\"_blank\" rel=\"noopener\"><span class=\"NormalTextRun SCXW261828986 BCX8\" data-ccp-parastyle=\"TORV baas\">Katri Tomson<\/span><\/a><\/span><span class=\"NormalTextRun SCXW261828986 BCX8\" data-ccp-parastyle=\"TORV baas\">,\u00a0<\/span><span class=\"NormalTextRun SCXW261828986 BCX8\" data-ccp-parastyle=\"TORV baas\">praktikant\u00a0<\/span><span class=\"NormalTextRun SCXW261828986 BCX8\" data-ccp-parastyle=\"TORV baas\">Ann Viirmaa<\/span><\/span><span class=\"EOP SCXW261828986 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;469777462&quot;:[1440],&quot;469777927&quot;:[0],&quot;469777928&quot;:[1]}\">\u00a0<\/span>\n","protected":false},"featured_media":2808,"template":"","person_countries":[296],"people_industries":[],"experience_practice_area":[338,300,392,318],"insight_category":[430],"class_list":["post-16766","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","experience_practice_area-andmekaitse","experience_practice_area-arioigus","experience_practice_area-intellektuaalne-omand-tehnoloogiaoigus","experience_practice_area-pangandus-finantsoigus","insight_category-blogi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Positiivsest krediidiregistrist on v\u00f5ita nii tarbijal kui krediidiandjal - TRINITI - Pan-Baltic Law Firm<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"et_EE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Positiivsest krediidiregistrist on v\u00f5ita nii tarbijal kui krediidiandjal - TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"og:description\" content=\"Positiivne krediidiregister koondab andmed tarbija finantskohustuste kohta, muutes laenu taotlemise mugavamaks, laenu andmise turvalisemaks ning eelduslikult ka laenud odavamaks.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/triniti.1kdigital.com\/et\/insights\/positiivsest-krediidiregistrist-on-voita-nii-tarbijal-kui-krediidiandjal\/\" \/>\n<meta property=\"og:site_name\" content=\"TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-15T13:39:31+00:00\" \/>\n<meta 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