{"id":3370,"date":"2025-10-17T09:42:18","date_gmt":"2025-10-17T09:42:18","guid":{"rendered":"https:\/\/bigshh.ee\/uncategorized\/mida-esimese-kodu-ostmisel-silmas-pidada\/"},"modified":"2025-10-17T09:42:18","modified_gmt":"2025-10-17T09:42:18","slug":"mida-esimese-kodu-ostmisel-silmas-pidada","status":"publish","type":"post","link":"https:\/\/bigshh.ee\/en\/news\/mida-esimese-kodu-ostmisel-silmas-pidada\/","title":{"rendered":"8 asja, mida esimese kodu ostmisel silmas pidada"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Esimese kodu ostmine on \u00fcks neist eluhetkedest, mis v\u00f5ib panna veidi k\u00f5hus keerama nagu enne esimest suudlust. Eks ikka heas m\u00f5ttes. See on p\u00f5nev, veidi hirmutav ja tohutult vastutusrikas otsus. Siin on lihtne juhend, mis aitab sul selle suure sammu targalt ette v\u00f5tta nii, et sind ei tabaks ootamatud \u00fcllatused.<\/span><\/p>\n<ol>\n<li>\n<h2><b> Alusta reaalsest finantsplaanist<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Enne kui hakkad kodu valima, selgita v\u00e4lja <\/span><b>oma tegelik ostuj\u00f5ud<\/b><span style=\"font-weight: 400;\">. Pankade reklaamid v\u00f5ivad j\u00e4tta mulje, et k\u00f5ik on lihtne \u2013 vali korter, t\u00e4ida taotlus ja v\u00f5tmed on peos. Tegelikult tasub esimese sammuna kohtuda laenuhalduriga ning uurida, kui suurt summat saad p\u00e4riselt laenata ja millised on lisakulud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pea meeles, et <\/span><b>kodu hind ei v\u00f5rdu tehingu kogumaksumusega<\/b><span style=\"font-weight: 400;\">. Lisanduvad:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>notari- ja riigil\u00f5ivud<\/b><span style=\"font-weight: 400;\">, mis 99% juhtudel j\u00e4\u00e4vad ostja kanda,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>h\u00fcpoteegi seadmise kulu<\/b><span style=\"font-weight: 400;\">, kui ostu finantseerib pank,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>hindamisakt<\/b><span style=\"font-weight: 400;\"> (keskmiselt 350\u2013450 \u20ac),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>kommunaalarvetele lisanduv reservkapitali kogumine K\u00dc:le<\/b><span style=\"font-weight: 400;\"> uusarenduses (umbes 2\u20133,5 \u20ac\/m\u00b2, lisatakse esimestele kommunaalarvetele 6-12 kuud).<\/span><\/li>\n<\/ul>\n<p><b>Nipp:<\/b><span style=\"font-weight: 400;\"> j\u00e4ta eelarvesse 5\u201310% varu ootamatusteks \u2013 viivitusintressid, kolimiskulud, uued m\u00f6\u00f6blit\u00fckid (k\u00f6\u00f6k, kardinad) v\u00f5i lihtsalt selle tunde jaoks, kui tahaksid terrassile m\u00f5nusamat lauda.<\/span><\/p>\n<ol start=\"2\">\n<li>\n<h2><b> Asukoht<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Jah, see vana kinnisvarat\u00f5de peab endiselt paika. Hea asukoht ei t\u00e4henda ainult ilusat vaadet \u2013 see t\u00e4hendab <\/span><b>igap\u00e4evast mugavust aja-ja kulude v\u00f5itu<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-medium wp-image-3312 aligncenter\" src=\"https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-240x300.png\" alt=\"Uusarenduse Aedlinna Kodud asukoht\" width=\"240\" height=\"300\" srcset=\"https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-200x250.png 200w, https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-240x300.png 240w, https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-400x500.png 400w, https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-600x750.png 600w, https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-768x960.png 768w, https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-800x1000.png 800w, https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht-819x1024.png 819w, https:\/\/bigshh.ee\/wp-content\/uploads\/2025\/10\/Kodu-asukoht.png 1080w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Kui kodu asub linna teises otsas, v\u00f5ib odavam ruutmeeter muutuda kulukaks, kui iga p\u00e4ev lisandub tund hommikul ja tund \u00f5htul ummikutes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00f5tle sellele nii:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Kas ma eelistaksin maksta veidi rohkem iga kuu, aga s\u00e4\u00e4sta 40 tundi aastas oma elust?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Vaata \u00fcle \u00fchistranspordi \u00fchendused, l\u00e4heduses olevad poed, koolid, lasteaiad ja rohealad. Kui sul on auto, siis uuri, kas arendusel on <\/span><b>parkimiskoht hinnas<\/b><span style=\"font-weight: 400;\"> v\u00f5i tuleb see eraldi osta (ja mis see maksab).<\/span><\/p>\n<ol start=\"3\">\n<li>\n<h2><b> Energiat\u00f5husus<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Uusarenduste puhul tasub alati uurida hoone <\/span><b>energiam\u00e4rgist<\/b><span style=\"font-weight: 400;\">. See v\u00e4ike t\u00e4ht \u2013 A, B v\u00f5i C \u2013 v\u00f5ib tulevikus m\u00e4\u00e4rata, kas maksad iga kuu 80 v\u00f5i 180 eurot kommunaale.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A-energiaklassiga hoone t\u00e4hendab:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">paremat soojapidavust,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ventilatsioonis\u00fcsteemi soojustagastusega,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">nutikamaid lahendusi (nt kaugloetavad arvestid, ventilatsiooni juhtimine).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Lisaks tasub uurida, kas majal on kaugk\u00fcte v\u00f5i m\u00f5ni alternatiivne s\u00fcsteem. Pikaajaliselt on energiat\u00f5husus \u00fcks olulisemaid investeeringu kvaliteedi n\u00e4itajaid.<\/span><\/p>\n<ol start=\"4\">\n<li>\n<h2><b> Planeering<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ka k\u00f5ige ilusam korter kaotab oma v\u00f5lu, kui diivan ei mahu elutuppa v\u00f5i s\u00f6\u00f6gilaud varjab r\u00f5duust. Esimese kodu puhul uuri hoolikalt, <\/span><b>kuidas ruum tegelikult toimib<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00f5tle l\u00e4bi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kas magamistuba on piisavalt privaatne,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kas aknad on hommiku- v\u00f5i \u00f5htup\u00e4ikese poole,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kas korteris on panipaik ja piisavalt pistikupesi,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kas vannituba mahutab pesumasina, mitte ainult lootuse.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Planeering peab sobima sinu elustiiliga, mitte ainult arhitekti joonlauaga.<\/span><\/p>\n<ol start=\"5\">\n<li>\n<h2><b> Lepingu peen kiri<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Uusarenduse puhul s\u00f5lmid esmalt <\/span><b>broneerimislepingu<\/b><span style=\"font-weight: 400;\"> ja hiljem <\/span><b>notariaalse m\u00fc\u00fcgilepingu<\/b><span style=\"font-weight: 400;\">. Loe k\u00f5ik punktid rahulikult l\u00e4bi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kontrolli:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kes maksab tehingukulud (tavaliselt ostja),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mis on taganemistingimused, kui arendus hilineb,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mis juhtub, kui ehituse kvaliteet ei vasta lubatule,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kas hinnas on parkimiskoht ja panipaik v\u00f5i lisandub eraldi,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kui pikk on ehitusgarantii (tavaliselt 2\u20135 aastat).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ja kui midagi tundub liiga keeruline, v\u00f5ta appi jurist v\u00f5i kinnisvaran\u00f5ustaja. V\u00e4ike kulu praegu v\u00f5ib p\u00e4\u00e4sta suure peavalu hiljem.<\/span><\/p>\n<ol start=\"6\">\n<li>\n<h2><b> Arendaja maine<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">K\u00f5lab ilmselgelt, aga paljud j\u00e4tavad selle sammu vahele. Vaata, <\/span><b>mida arendaja on varem ehitanud<\/b><span style=\"font-weight: 400;\"> \u2013 kas hooned on valminud \u00f5igeks ajaks, kas korterite kvaliteediga oldakse rahul. <\/span><span style=\"font-weight: 400;\">Google\u2019i arvustused, foorumid ja isegi kinnisvaraportaalide tagasiside v\u00f5ivad anda aimu, kas tegemist on kindla partneriga.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kui v\u00f5imalik, mine vaatama m\u00f5nda arendaja varasemat objekti. Tunnetad kohe, kas detailid on viimistletud v\u00f5i \u201ckiirelt \u00fcle k\u00e4idud\u201d.<\/span><\/p>\n<ol start=\"7\">\n<li>\n<h2><b> Tuleviku v\u00e4\u00e4rtus<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Esimene kodu on k\u00fcll s\u00fcdamest tehtud otsus, aga m\u00f5tle korraks ka k\u00fclmalt \u2013 <\/span><b>kas see on hea investeering<\/b><span style=\"font-weight: 400;\">? Kas piirkonnas on kasvav n\u00f5udlus? Mis juhtub minu ostetud kinnisvara hinnaga j\u00e4rgmise 5 aasta jooksul? Kas \u00fcmber on kavandatud uusi \u00fchendusteid, kooli v\u00f5i kaubanduskeskust?<\/span><\/p>\n<p><b>Hea arendus h\u00e4sti planeeritud piirkonnas hoiab v\u00e4\u00e4rtust, isegi kui turg jahtub<\/b><span style=\"font-weight: 400;\">. Kui elu sind kunagi teise linna viib, on sellist kodu lihtsam m\u00fc\u00fca v\u00f5i hiljem v\u00e4lja \u00fc\u00fcrida.<\/span><\/p>\n<ol start=\"8\">\n<li>\n<h2><b> Kontrollnimekiri uue kodu ostjale<\/b><\/h2>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u2714 Kontrolli laenuv\u00f5imekust ja lisareservi.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2714 Arvuta tehingu kogukulu (notar, h\u00fcpoteek, reservkapital, hindamine).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2714 Vaata asukoha ja transpordi\u00fchendusi.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2714 Uuri hoone energiam\u00e4rgist ja tulevasi kulusid.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2714 Anal\u00fc\u00fcsi planeeringut \u2013 kas see p\u00e4riselt toimib.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2714 Loe lepingud punkt-punktilt l\u00e4bi.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2714 Uuri arendaja tausta.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2714 M\u00f5tle tulevikule: kas see kodu kasvab koos sinuga.<\/span><\/p>\n<h2><b>Kokkuv\u00f5tteks<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Esimene kodu ei pea olema t\u00e4iuslik, aga see peaks olema <\/span>m\u00f5istlik ja sinu jaoks \u00f5ige<span style=\"font-weight: 400;\">. Kui teed otsused l\u00e4bim\u00f5eldult ja tead, mis sind ees ootab, on ka korteriv\u00f5tmete \u00fcleandmine rohkem r\u00f5\u00f5m kui n\u00e4rvipinge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ja mis k\u00f5ige t\u00e4htsam \u2013 kodu ei ole lihtsalt ruutmeetrid, vaid koht, kus algavad uued lood. Tee oma esimene samm targalt.<\/span><\/p>\n<p>Ehk leiad oma uue kodu m\u00f5ne meie arenduse hulgast? Tutvu <a href=\"https:\/\/aedlinna-kodud.bigshh.ee\">Aedlinna Kodude<\/a> ja <a href=\"https:\/\/kiviresidentsid.bigshh.ee\">Kivi Residentsidega<\/a>.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Esimese kodu ostmine on \u00fcks neist eluhetkedest, mis v\u00f5ib panna <a href=\"https:\/\/bigshh.ee\/en\/news\/mida-esimese-kodu-ostmisel-silmas-pidada\/\"> [&#8230;]<\/a><\/p>\n","protected":false},"author":2,"featured_media":3371,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-3370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/posts\/3370","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/comments?post=3370"}],"version-history":[{"count":0,"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/posts\/3370\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/media\/3371"}],"wp:attachment":[{"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/media?parent=3370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/categories?post=3370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bigshh.ee\/en\/wp-json\/wp\/v2\/tags?post=3370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}