{"id":20338,"date":"2015-12-10T07:14:43","date_gmt":"2015-12-10T07:14:43","guid":{"rendered":"https:\/\/triniti.eu\/?post_type=insights&#038;p=20338"},"modified":"2026-04-15T13:39:41","modified_gmt":"2026-04-15T13:39:41","slug":"uued-nouded-jarelmaksuga-muujatele","status":"publish","type":"insights","link":"https:\/\/triniti.1kdigital.com\/et\/insights\/uued-nouded-jarelmaksuga-muujatele\/","title":{"rendered":"Uued n\u00f5uded j\u00e4relmaksuga m\u00fc\u00fcjatele"},"content":{"rendered":"\nK\u00e4esolevast aastast kehtiva uue seaduse kohaselt k\u00e4sitletakse krediidiandjatena ka j\u00e4relmaksuga autosid, kodutehnikat vm m\u00fc\u00fcvaid ettev\u00f5tjaid, kes pakuvad seda teenust tarbijale oma majandus- v\u00f5i kutsetegevuses. Senise tegevuse seaduslikuks j\u00e4tkamiseks tuleb neil hiljemalt k\u00e4esoleva aasta l\u00f5puks esitada Finantsinspektsioonile taotlus krediidiandja tegevusloa v\u00e4ljastamiseks. Samuti laienevad neile k\u00f5ik tarbijakrediidilepingute s\u00f5lmimisele ja t\u00e4itmisele etten\u00e4htud n\u00f5uded, mida kontrollib Tarbijakaitseamet.\r\n\r\n<strong>Kas peab taotlema krediidiandja tegevusluba?<\/strong>\r\n\r\nEesti \u00f5iguskorras olulisi muudatusi kaasa toonud krediidiandjate ja -vahendajate seadus (KAVS) k\u00e4sitleb krediidi andmisena igasugust tarbija krediteerimist \u2013 krediidi andmine, tasuline makset\u00e4htp\u00e4eva edasil\u00fckkamine, liising v\u00f5i muu abi finantseerimisel, sealhulgas krediidilepingute s\u00f5lmimine ja selleks vajalike toimingute tegemine.\r\n\r\nFinantsinspektsiooni j\u00e4relevalve h\u00f5lmab uue korra j\u00e4rgi k\u00f5iki krediidiandjaid ja -vahendajaid, kes annavad v\u00f5i vahendavad tarbijakrediiti mistahes kujul. Seega tuleb krediidiandja tegevusluba taotleda lisaks laenukontoritele ka liisinguandjatel, samuti neil tarbijale j\u00e4relmaksuandjatel, kes soovivad j\u00e4tkata teenuse pakkumist oma senise tegevusmudeli j\u00e4rgi.\r\n\r\nSeejuures tuleb arvestada, et n\u00f5uded Finantsinspektsioonilt tegevusloa saamiseks on p\u00f5hjalikud ning pole v\u00e4listatud, et nende t\u00e4itmine osutub nii m\u00f5nelegi ettev\u00f5tjale \u00fclej\u00f5u k\u00e4ivaks. N\u00e4iteks peab ettev\u00f5tjal olema t\u00e4ies ulatuses sissemakstud osakapital 50\u00a0000 eurot, samuti tuleb oma tegevuses rakendada rahapesu ja terrorismi rahastamise t\u00f5kestamise meetmeid jne.\r\n\r\nAlternatiiviks tegevusloa taotlemisele v\u00f5imaldab seadus siiski ka muud l\u00e4henemist, n\u00e4iteks tegutsemist m\u00f5ne tegevusloaga krediidiandja agendina v\u00f5i enda v\u00e4listamist Finantsinspektsiooni j\u00e4relevalve alt faktooringu struktuuri kasutades. Sellisel juhul j\u00e4relmaksu pakkumiseks krediidiandja tegevusluba tarvis ei ole.\r\n\r\n<strong>Mida j\u00e4relmaksuga m\u00fc\u00fcja veel teadma peab?<\/strong>\r\n\r\nTarbijaga j\u00e4relmaksuga m\u00fc\u00fcgilepingut s\u00f5lmides ei ole enam tegemist pelgalt m\u00fc\u00fcgitehinguga, vaid silmas tuleb pidada ka krediidilepingute s\u00f5lmimisel kehtivaid n\u00f5udeid. M\u00fc\u00fcja on kohustatud j\u00e4relmaksuga m\u00fc\u00fcgilepingu puhul j\u00e4rgima ka v\u00f5la\u00f5igusseaduses (V\u00d5S) etten\u00e4htud tarbijakrediidilepingu s\u00e4tteid ning esitama Tarbijakaitseametile j\u00e4relevalve menetluse k\u00e4igus viimase poolt kauplejalt n\u00f5utavaid dokumente, materjale, seletusi ning muud asjakohast teavet selle kohta, et ta on kinni pidanud vastutustundliku laenaja kohustustest.\r\n\r\nEnne tarbijakrediidilepingu s\u00f5lmimist peab m\u00fc\u00fcja omandama teabe, mis v\u00f5imaldab hinnata tarbija krediidiv\u00f5imelisust. Vajaduse korral peab ta k\u00fcsima tarbijalt teavet ja kasutama asjakohaseid andmekogusid. Selle p\u00f5hjal peab ta hindama tarbija krediidiv\u00f5imelisust ning lisaks andma tarbijale piisavaid selgitusi, et tarbija saaks hinnata, kas pakutav leping vastab tema vajadustele ja finantsolukorrale.\r\n\r\nTarbijale tuleb selgitada talle esitatud lepingueelset teavet, j\u00e4relmaksu p\u00f5hiomadusi ja m\u00f5ju, sealhulgas j\u00e4relmaksu osade tasumata j\u00e4tmisest tulenevaid tagaj\u00e4rgi. Tarbijale tuleb anda ka v\u00f5imalus v\u00f5rrelda teisi j\u00e4relmaksu pakkumisi. Selleks tuleb tarbijale enne lepingu s\u00f5lmimist esitada Euroopa tarbijakrediidi standardinfo teabeleht koos sellel kajastuva lepingueelse teabega.\r\n\r\nKokkuv\u00f5ttes on kohustuslikke n\u00f5udeid, milles j\u00e4relmaksuandjal tuleb orienteerida, ohtralt. Uute n\u00f5uete valguses tuleb nii kodutehnika- kui autom\u00fc\u00fcjatel oma tegevusmudelid \u00fcle vaadata ning otsustada, kas ollakse valmis panustama ka krediidisuhete haldamisse v\u00f5i soovitakse keskenduda m\u00fc\u00fcgitegevusele, loovutades osa oma kasumist nt faktooringu pakkujale.\n","protected":false},"featured_media":2808,"template":"","person_countries":[296],"people_industries":[],"experience_practice_area":[318],"insight_category":[430],"class_list":["post-20338","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","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>Uued n\u00f5uded j\u00e4relmaksuga m\u00fc\u00fcjatele - 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=\"Uued n\u00f5uded j\u00e4relmaksuga m\u00fc\u00fcjatele - TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"og:description\" content=\"K\u00e4esolevast aastast kehtiva uue seaduse kohaselt k\u00e4sitletakse krediidiandjatena ka j\u00e4relmaksuga autosid, kodutehnikat vm m\u00fc\u00fcvaid ettev\u00f5tjaid, kes pakuvad seda teenust tarbijale oma majandus- v\u00f5i kutsetegevuses. Senise tegevuse seaduslikuks j\u00e4tkamiseks tuleb neil hiljemalt k\u00e4esoleva aasta l\u00f5puks esitada Finantsinspektsioonile taotlus krediidiandja tegevusloa v\u00e4ljastamiseks. Samuti laienevad neile k\u00f5ik tarbijakrediidilepingute s\u00f5lmimisele ja t\u00e4itmisele etten\u00e4htud n\u00f5uded, mida kontrollib Tarbijakaitseamet. Kas peab [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/triniti.1kdigital.com\/et\/insights\/uued-nouded-jarelmaksuga-muujatele\/\" \/>\n<meta property=\"og:site_name\" content=\"TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-15T13:39:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2021\/11\/Katri-Tomson-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2476\" \/>\n\t<meta property=\"og:image:height\" content=\"2477\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uued-nouded-jarelmaksuga-muujatele\\\/\",\"url\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uued-nouded-jarelmaksuga-muujatele\\\/\",\"name\":\"Uued n\u00f5uded j\u00e4relmaksuga m\u00fc\u00fcjatele - 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Senise tegevuse seaduslikuks j\u00e4tkamiseks tuleb neil hiljemalt k\u00e4esoleva aasta l\u00f5puks esitada Finantsinspektsioonile taotlus krediidiandja tegevusloa v\u00e4ljastamiseks. Samuti laienevad neile k\u00f5ik tarbijakrediidilepingute s\u00f5lmimisele ja t\u00e4itmisele etten\u00e4htud n\u00f5uded, mida kontrollib Tarbijakaitseamet. 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