{"id":16893,"date":"2020-04-27T12:35:18","date_gmt":"2020-04-27T12:35:18","guid":{"rendered":"http:\/\/triniti.eu\/insights\/ka-kriisis-antav-laen-peab-olema-kooskolas-turutingimustega-triniti-konkurentsioiguse-nupuke\/"},"modified":"2026-04-15T13:39:33","modified_gmt":"2026-04-15T13:39:33","slug":"ka-kriisis-antav-laen-peab-olema-kooskolas-turutingimustega-triniti-konkurentsioiguse-nupuke","status":"publish","type":"insights","link":"https:\/\/triniti.1kdigital.com\/et\/insights\/ka-kriisis-antav-laen-peab-olema-kooskolas-turutingimustega-triniti-konkurentsioiguse-nupuke\/","title":{"rendered":"Ka kriisis antav laen peab olema koosk\u00f5las turutingimustega (TRINITI konkurentsi\u00f5iguse nupuke)"},"content":{"rendered":"\n<span data-contrast=\"auto\">Viimastel n\u00e4dalatel on palju k\u00f5neainet pakkunud <\/span><span data-contrast=\"auto\">riigilaenud ettev\u00f5tjatele<\/span><span data-contrast=\"auto\">.<\/span> <span data-contrast=\"auto\">M<\/span><span data-contrast=\"auto\">uuhulgas kihab meedia erinevatest seisukohtadest eelk\u00f5ige seoses <\/span><span data-contrast=\"auto\">Bolti<\/span><span data-contrast=\"auto\"> ja Tallinkiga \u2013 kes v\u00e4\u00e4rib laenu, kes mitte, millistel tingimustel tuleks laenu anda jne. Eriti p\u00f5nev on teema ka seet\u00f5ttu, et paralleelselt riigiga tegi oma laenupakkumise ka \u00fcks erakapitalil p\u00f5hinev pank \u2013 LHV. <\/span><span data-contrast=\"auto\">J\u00e4ttes poliitilised p\u00f5hjused k\u00f5rvale, on hea m\u00f5te meelde tuletada, millistel tingimustel saab riik anda laenu l\u00e4htuvalt riigiabi reeglitest.<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span><!--more-->\n\n<a href=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2020\/04\/laenriigiabitriniti.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-11236\" src=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2020\/04\/laenriigiabitriniti.jpg\" alt=\" width=\"960\" height=\"639\"><\/a>\n\n<span data-contrast=\"auto\">L\u00fchikese kokkuv\u00f5tte<\/span><span data-contrast=\"auto\">na<\/span><span data-contrast=\"auto\"> tuleb v\u00e4lja tuua, et \u00fcldiselt on Euroopa Liidu reeglite kohaselt igasugune riigiabi keelatud. Riigiabiks loetakse <\/span><span data-contrast=\"auto\">mistahes <\/span><span data-contrast=\"auto\">riigipoolne v\u00f5i riigi vahenditest antud<\/span><span data-contrast=\"auto\"> meede, mis annab ettev\u00f5tjale valikulise majandusliku eelise ning h\u00e4irib konkurentsi ja liikmesriikide<\/span> <span data-contrast=\"auto\">vahelist kaubandust turul.<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n\n<span data-contrast=\"auto\">Kui juba \u00fcks nimetatud tingimustest pole t\u00e4idetud, siis pole tegemist riigiabiga. Seet\u00f5ttu ongi v\u00f5imalik anda riigi poolt laenu n\u00e4iteks ilma majanduslikku eelist andmata \u2013 ehk turutingimustel.<\/span><span data-contrast=\"auto\"> Kui laen peegeldab t\u00e4pselt turutingimusi, siis ei saa seda lugeda ka riigiabiks.<\/span><span data-contrast=\"auto\"> Turutingimustel antava laenuga v\u00f5ib tegemist olla n\u00e4iteks siis, kui riik ja suurpangad annaksid laenu samadel tingimustel. Tallinki n\u00e4ite puhul oli \u00fcheks selliseks erakapitalil p\u00f5hinevad laenupakkujaks LHV.&nbsp;<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n\n<span data-contrast=\"auto\">Teatud juhtudel <\/span><span data-contrast=\"auto\">v\u00f5i<\/span><span data-contrast=\"auto\">b Euroopa Komisjon<\/span><span data-contrast=\"auto\"> lugeda<\/span><span data-contrast=\"auto\"> riigiabi ka siseturuga kokkusobivaks<\/span><span data-contrast=\"auto\">, isegi kui sellega antakse majanduslik eelis<\/span><span data-contrast=\"auto\">. \u00dcheks selliseks olukorraks ongi ajutine riigiabi raamistik, millest on l\u00e4hemalt kirjutatud ka <\/span><span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/koroonaviirus-ja-riigiabi-euroopa-komisjon-vottis-vastu-riigiabi-meetmete-ajutise-raamistiku-triniti-konkurentsioiguse-nupuke\/\">siin<\/a><\/span> <span data-contrast=\"auto\">ja<\/span> <span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/kriisiga-seotud-riigiabi-voimalused-on-veelgi-laienenud-triniti-konkurentsioiguse-nupuke\/\">siin<\/a><\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> Riigiabi loataotlusest see siiski ei p\u00e4\u00e4sta. <\/span><span data-contrast=\"auto\">P\u00e4rast loataotluse esitamist, j<\/span><span data-contrast=\"auto\">uhul kui meede vastab ajutise raamistiku n\u00f5uetele, annab Euroopa Komisjon meetme osas ka rohelise tule ehk riigiabi loa.&nbsp;<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n\n<span data-contrast=\"auto\">Riigiabi ajutine raamistik lubab <\/span><span data-contrast=\"auto\">riigil <\/span><span data-contrast=\"auto\">anda laenu ka subsideeritud intressim\u00e4\u00e4rade kaudu ehk turutingimustest soodsamalt<\/span><span data-contrast=\"auto\"> (kuiv\u00f5rd tavaolukorras vastab intress turutingimustele, t\u00e4hendab selle subsideerimine majanduslikku eelist ettev\u00f5tjale)<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> Majanduslikus m\u00f5ttes on vaba kapitali olemasolul <\/span><span data-contrast=\"auto\">erakapitalil p\u00f5hineva <\/span><span data-contrast=\"auto\">laenu andmine alati v\u00f5imalik<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> L<\/span><span data-contrast=\"auto\">ihtsalt nimetatud laenuga seonduv kulu v\u00f5ib suureneda seoses intressim\u00e4\u00e4radega, mis peegeldavad laenusaaja riske ja v\u00f5tavad arvesse muid turutingimusi<\/span><span data-contrast=\"auto\"> ja kaudselt ka seda, mida toob tulevik<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\"> Seet\u00f5ttu v\u00f5ivad teatud olukordades erakapitalil p\u00f5hinevad laenud kujuneda v\u00e4ga kulukaks.&nbsp;<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n\n<span data-contrast=\"auto\">Juhul, kui riigi antav laen peab peegeldama neid s<\/span><span data-contrast=\"auto\">amu erakapitalil p\u00f5hineva laenu turutingimusi, v\u00f5ib ka riigi laen osutuda <\/span><span data-contrast=\"auto\">\u00e4\u00e4retult kalliks. Ajutine raamistik v\u00f5imaldabki <\/span><span data-contrast=\"auto\">anda laenu parematel tingimustel kui kehtiv turuolukord.<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n\n<span data-contrast=\"auto\">Selleks peavad \u00fcksikabi puhul (mida oleks ka n\u00e4iteks Tallinkile antav laen, kui see puudutaks vaid konkreetselt <\/span><span data-contrast=\"auto\">Tallinkit<\/span><span data-contrast=\"auto\">) olema t\u00e4idetud <\/span><b><span data-contrast=\"auto\">k\u00f5ik j\u00e4rgmised kriteeriumid<\/span><\/b><span data-contrast=\"auto\">:<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n<ul class=\"type4\">\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">laen v\u00f5ib anda v\u00e4hendatud intressim\u00e4\u00e4raga, mis on v\u00e4hemalt v\u00f5rdne 1. jaanuaril 2020 kohaldatud <\/span><span data-contrast=\"auto\">ja Komisjoni poolt avaldatud <\/span><span data-contrast=\"auto\">baasm\u00e4\u00e4raga<\/span><span data-contrast=\"auto\"> (Eesti puhul <\/span><span data-contrast=\"auto\">-0,31%)<\/span><span data-contrast=\"auto\">, millele on lisatud raamistikus toodud krediidiriski marginaal<\/span><span data-contrast=\"auto\">:<\/span> <span data-contrast=\"auto\">suurettev\u00f5tjate puhul 1. aastal 50 baaspunkti<\/span><span data-contrast=\"auto\"> (st <\/span><span data-contrast=\"auto\">0,5%)<\/span><span data-contrast=\"auto\">, 2.-3. aastal 100 baaspunkti<\/span><span data-contrast=\"auto\"> (st 1%)<\/span><span data-contrast=\"auto\"> ja 4<\/span><span data-contrast=\"auto\">6. aastal 200 baaspunkti<\/span><span data-contrast=\"auto\"> (st 2%<\/span><span data-contrast=\"auto\">);<\/span><span data-contrast=\"auto\"> v\u00e4ikeste ja keskmise suurusega ettev\u00f5tjate puhul 1. aastal 50 baaspunkti, 2.-3. aastal 50 baaspunkti ja 4.-6. aasta 100 baaspunkti.&nbsp;<\/span><span data-wac-het=\"1\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">&nbsp;<\/span><\/li>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">laenuleping s\u00f5lmitakse hiljemalt 31. detsembriks 2020 ja selle maksimaalne kehtivus on 6 aastat;<\/span><span data-wac-het=\"1\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">&nbsp;<\/span><\/li>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">laenude puhul, mille t\u00e4htaeg on p\u00e4rast 31. detsembrit 2020, ei \u00fcletata abisaaja kohta kogusummat, mis <\/span><span data-contrast=\"auto\">vastab abisaaja kahekordsele palgakulule<\/span><span data-contrast=\"auto\"> aastal 2019 v\u00f5i viimasel aastal, mille kohta andmed on k\u00e4ttesaadavad. 1. jaanuaril 2019 v\u00f5i p\u00e4rast seda loodud ettev\u00f5tjate puhul ei v\u00f5i maksimaalne laenusumma \u00fcletada kahe esimese tegutsemisaasta hinnangulisi aastaseid palgakulusid; v\u00f5i 25% abisaaja 2019. aasta koguk\u00e4ibest v\u00f5i; <\/span><span data-contrast=\"auto\">asjakohase p\u00f5hjendusega ja tuginedes abisaaja enda kinnitusele likviidsusvajaduste kohta, v\u00f5ib laenusummat suurendada, et katta v\u00e4ikeste ja keskmiste ettev\u00f5tjate likviidsusvajadused laenu andmise j\u00e4rgseks 18 kuuks ja suurettev\u00f5tjate likviidsusvajadused laenu andmise j\u00e4rgseks 12 kuuks;<\/span><span data-wac-het=\"1\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">&nbsp;<\/span><\/li>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">laen on seotud investeeringu- ja\/v\u00f5i k\u00e4ibekapitalivajadusega;<\/span><span data-wac-het=\"1\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">&nbsp;<\/span><\/li>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">laenu ei v\u00f5i anda ettev\u00f5tjale, kes oli raskustes juba 31. detsembril 2019 (\u00fcldise grupierandi m\u00e4\u00e4ruse t\u00e4henduses).&nbsp;<\/span><span data-wac-het=\"1\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">&nbsp;<\/span><\/li>\n<\/ul>\n<span data-contrast=\"auto\">Seega lubab l<\/span><span data-contrast=\"auto\">\u00fchidalt kokku v\u00f5ttes Euroopa Komisjon anda subsideeritud intressim\u00e4\u00e4raga laenu<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\"> j\u00e4ttes v\u00e4lja praegustest turuolukorrast tulenevad t\u00e4iendavad riskid<\/span><span data-contrast=\"auto\"> (mis v\u00f5iksid intressid oluliselt k\u00f5rgemaks ajada)<\/span><span data-contrast=\"auto\">.<\/span><span data-wac-het=\"1\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:200,&quot;335559740&quot;:276,&quot;335559991&quot;:360}\">&nbsp;<\/span>\n\n<span data-contrast=\"auto\">Kokkuv\u00f5ttes saab <\/span><span data-contrast=\"auto\">seega <\/span><span data-contrast=\"auto\">nentida, et ka kriisiajal antav riigipoolne <\/span><span data-contrast=\"auto\">laen<\/span><span data-contrast=\"auto\"> peab vastama \u00fcldistele Euroopa Liidu riigiabi reeglitele<\/span><span data-contrast=\"auto\">. Eelk\u00f5ige <\/span><span data-contrast=\"auto\">Euroopa Komisjoni ajuti<\/span><span data-contrast=\"auto\">ses raamistikus toodud intressim\u00e4\u00e4radega seonduvale.<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n\n<span data-contrast=\"auto\">Tekkis k\u00fcsimusi? V\u00f5tke <span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/kontakt\/\" target=\"_blank\" rel=\"noopener noreferrer\">meiega<\/a><\/span> \u00fchendust!<\/span><span data-wac-het=\"1\" 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]}\">&nbsp;<\/span>\n\nTRINITI advokaatide pidevalt t\u00e4ienevaid ning eriolukorras soovitusi andvad postitused leiate siit: <span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"https:\/\/triniti.ee\/covid-19-koroonaviirus\/\">https:\/\/triniti.ee\/covid-19-koroonaviirus\/<\/a><\/span>\n","protected":false},"featured_media":2153,"template":"","person_countries":[296],"people_industries":[320],"experience_practice_area":[397,298],"insight_category":[430],"class_list":["post-16893","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","people_industries-laevandus-lennundus","experience_practice_area-konkurentsioigus-riigiabi","experience_practice_area-transport-taristu","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>Ka kriisis antav laen peab olema koosk\u00f5las turutingimustega (TRINITI konkurentsi\u00f5iguse nupuke) - 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=\"Ka kriisis antav laen peab olema koosk\u00f5las turutingimustega (TRINITI konkurentsi\u00f5iguse nupuke) - TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"og:description\" content=\"Viimastel n\u00e4dalatel on palju k\u00f5neainet pakkunud riigilaenud ettev\u00f5tjatele. 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