{"id":2493,"date":"2025-10-28T16:05:03","date_gmt":"2025-10-28T16:05:03","guid":{"rendered":"https:\/\/fundguidr.ee\/?p=2493"},"modified":"2026-01-03T12:55:43","modified_gmt":"2026-01-03T12:55:43","slug":"what-is-the-euribor-how-does-it-increase","status":"publish","type":"post","link":"https:\/\/fundguidr.ee\/en\/investment-wisdom\/what-is-the-euribor-how-does-it-increase\/","title":{"rendered":"What is Euribor and 3 ways it affects you and the whole European economy"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6f8ff&#8221; background_image=&#8221;https:\/\/fundguidr.ee\/wp-content\/uploads\/2022\/11\/BG-28.png&#8221; background_size=&#8221;initial&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; custom_css_main_element=&#8221;position: unset;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;position: unset;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; theme_builder_area=&#8221;post_content&#8221; specialty=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;1_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_code _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<div id=\"fundguidr-toc-wrapper\" style=\"width: 100%; clear: both;\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<style><!-- [et_pb_line_break_holder] -->        \/* --- 1. 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TOGGLE BUTTON CLICK<!-- [et_pb_line_break_holder] -->        $toggleBtn.on('click', function() {<!-- [et_pb_line_break_holder] -->            $tocList.slideToggle(300, function() {<!-- [et_pb_line_break_holder] -->                \/\/ Update Icon based on visibility<!-- [et_pb_line_break_holder] -->                if ($tocList.is(':visible')) {<!-- [et_pb_line_break_holder] -->                    $toggleIcon.html('\u2212'); \/\/ Minus<!-- [et_pb_line_break_holder] -->                } else {<!-- [et_pb_line_break_holder] -->                    $toggleIcon.html('+');   \/\/ Plus<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->            });<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->    <\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; specialty_columns=&#8221;2&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><b>Euribor (European Interbank Offered Rate)<\/b><span style=\"font-weight: 400;\"> on finantsmaailmas keskne n\u00e4itaja, mis m\u00f5jutab otseselt miljonite eurooplaste igap\u00e4evast finantselu. See ei ole pelgalt pankade omavaheline intressim\u00e4\u00e4r, vaid alus, millele ehitatakse \u00fcles suur osa euroala muutuvate intressidega laenudest, sealhulgas kodulaenud, ettev\u00f5tete laenud ja liisingud. Kuigi Euribor v\u00f5ib tunduda abstraktse finantsterminina, on selle liikumine otseselt seotud sinu igakuiste laenumaksetega ning m\u00f5jutab sinu raha v\u00e4\u00e4rtust ja ostuj\u00f5udu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selle artikli eesm\u00e4rk on selgitada, mis Euribor on, kuidas see toimib ja miks sellel on nii oluline roll sinu isiklikus rahanduses. Anname \u00fclevaate selle m\u00f5just ja pakume praktilisi teadmisi, mis aitavad sul langetada teadlikumaid finantsotsuseid.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/fundguidr.ee\/wp-content\/uploads\/2025\/09\/euribor.png&#8221; alt=&#8221;euribor&#8221; title_text=&#8221;euribor&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb title=&#8221;Mis on Euribor ja kuidas see t\u00f6\u00f6tab?&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3><\/h3>\n<p><span style=\"font-weight: 400;\">Euribor ehk <\/span><b>Euro Interbank Offered Rate<\/b><span style=\"font-weight: 400;\"> on Euroopa pankade omavaheline laenuintress. Kujuta ette, et pangad on suured poed, kes m\u00fc\u00fcvad raha. Euribor on see hind, millega nad raha \u00fcksteiselt hulgihinnaga ostavad ja m\u00fc\u00fcvad. Kui see hulgihind muutub, m\u00f5jutab see ka \u201cjaehinda\u201d, ehk sinu kodulaenu v\u00f5i muu laenu intressi. Mida kallimalt pangad raha \u00fcksteiselt laenavad, seda kallimalt nad laenavad seda ka sulle.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Euribore on tegelikult mitu, t\u00e4histades erinevaid ajaperioode: 1 n\u00e4dala, 1 kuu, 3 kuu, 6 kuu ja 12 kuu Euribor. K\u00f5ige levinumad kodulaenud on seotud kas 6 kuu v\u00f5i 12 kuu Euriboriga. See t\u00e4hendab, et sinu laenu intress vaadatakse \u00fcle vastavalt kas poole aasta v\u00f5i aasta tagant.<\/span><\/p>\n<p><b>EKP ja Euribor: Kes juhib keda?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Euribori n\u00e4itaja ei teki iseenesest. See on otseselt seotud Euroopa majanduspoliitika ja eelk\u00f5ige Euroopa Keskpanga (EKP) otsustega. EKP peamine \u00fclesanne on hoida euroala <\/span><b>inflatsioon<\/b><span style=\"font-weight: 400;\"> stabiilsel ja pikaajaliselt <\/span><b>2% tasemel<\/b><span style=\"font-weight: 400;\">. Selle eesm\u00e4rgi t\u00e4itmiseks kasutab EKP mitmeid t\u00f6\u00f6riistu, millest olulisim on <\/span><b>baasintressim\u00e4\u00e4rade<\/b><span style=\"font-weight: 400;\"> reguleerimine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">EKP N\u00f5ukogu koguneb regulaarselt (umbes iga kuue n\u00e4dala tagant) ja teeb otsuseid baasintressim\u00e4\u00e4rade kohta, tuginedes p\u00f5hjalikele majandusanal\u00fc\u00fcsidele. Kui inflatsioon on liiga kiire, nagu juhtus 2022. aastal, t\u00f5stab EKP baasintresse. See muudab pankadele EKP-lt raha laenamise kallimaks, mis sunnib neid omakorda ka omavahelisi laene k\u00f5rgema intressiga vahendama. Tulemuseks on Euribori t\u00f5us. Vastupidiselt, kui inflatsioon aeglustub ja majandus vajab elavdamist, v\u00f5ib EKP baasintresse langetada, mis toob kaasa ka Euribori languse.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Seega ei ole Euribor pelgalt juhuslik number, vaid see on otsene peegeldus EKP rahapoliitikast ja laiematest majandustingimustest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><b>Kuidas Euribori tegelikult arvutatakse?<\/b> <\/span><\/p>\n<p><span style=\"font-weight: 400;\">See ei ole pelgalt lihtne aritmeetiline keskmine. Tegelikult annavad 19 Euroopa panka igap\u00e4evaselt oma hinnapakkumised <a href=\"https:\/\/www.ecb.europa.eu\/ecb-and-you\/explainers\/tell-me-more\/html\/benchmark_rates_qa.et.html\" target=\"_blank\" rel=\"noopener\">Euroopa Rahaturgude Instituudile<\/a> (EMMI). Arvutamisel j\u00e4etakse v\u00e4lja 15% k\u00f5ige k\u00f5rgematest ja 15% madalaimatest pakkumistest, et v\u00e4ltida \u00e4\u00e4rmuslikke andmeid ja tagada ausam tulemus. L\u00f5plik <a href=\"https:\/\/www.euribor-rates.eu\/en\/current-euribor-rates\/\" target=\"_blank\" rel=\"noopener\">Euribor<\/a> avaldatakse igal t\u00f6\u00f6p\u00e4eval kell 11.00 Kesk-Euroopa aja j\u00e4rgi.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3><b>Negatiivne Euribor<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Aastatel 2015\u20132022 oli Euribor negatiivne. Euroopa Keskpank (EKP) rakendas negatiivseid intressim\u00e4\u00e4rasid, et stimuleerida euroala majandust p\u00e4rast 2008. aasta finantskriisi ja sellele j\u00e4rgnenud v\u00f5lakriisi. Eesm\u00e4rk oli julgustada panku laenu andma, selle asemel et hoida \u00fcleliigseid reserve, ning seel\u00e4bi elavdada kulutusi, investeeringuid ja inflatsiooni. Sellel ebatavalisel poliitikal olid m\u00e4rkimisv\u00e4\u00e4rsed tagaj\u00e4rjed: kuigi see v\u00e4hendas laenukulusid nii ettev\u00f5tete kui ka ujuva intressim\u00e4\u00e4raga laenude, n\u00e4iteks kodulaenude, v\u00f5tjatele, alandas see samal ajal ka s\u00e4\u00e4stude tootlust ja kahjustas pankade kasumlikkust. Negatiivse Euribori ajastu l\u00f5ppes, kui keskpangad hakkasid t\u00f5usva inflatsiooni vastu v\u00f5itlemiseks intressim\u00e4\u00e4rasid t\u00f5stma, naastes seel\u00e4bi tavap\u00e4rasema rahapoliitika juurde.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb title=&#8221;Ajalugu ja \u00f5ppetunnid: miks me sellest praegu nii palju r\u00e4\u00e4gime?&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3><\/h3>\n<p><span style=\"font-weight: 400;\">Euroopa majandus on viimase k\u00fcmnendi jooksul l\u00e4bi elanud m\u00e4rkimisv\u00e4\u00e4rse ts\u00fckli, mis on Euribori liikumist eriti ilmekalt esile toonud.<\/span><\/p>\n<p><b>Euribori j\u00e4rsk t\u00f5us ja reaalsuse tagasitulek<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">aasta t\u00f5i aga kaasa kardinaalse muutuse. J\u00e4rsult kasvanud inflatsioon sundis EKP-d v\u00f5tma ette agressiivse intresside t\u00f5stmise kampaania. See otsus pani Euribori kiirelt t\u00f5usma, liikudes negatiivselt territooriumilt paari aastaga mitme protsendi v\u00f5rra plussipoolele. Selle m\u00f5ju oli paljudele valus.<\/span><\/li>\n<\/ol>\n<p><b><i>Reaalne n\u00e4ide:<\/i><\/b> <i><span style=\"font-weight: 400;\">V\u00f5tame n\u00e4iteks M\u00e4rtini, kes ostis 2021. aastal perega korteri. Tal oli 150 000 euro suurune kodulaen, mille intress oli 6 kuu Euribor + 1,5% panga marginaal. Sel hetkel oli Euribor negatiivne, mis t\u00e4hendas, et tema intressim\u00e4\u00e4r oli umbes 1,5% ja kuumakse oli v\u00e4ga madal. Kui Euribor t\u00f5usis \u00fcle 4% taseme, suurenes M\u00e4rtini laenu intressim\u00e4\u00e4r \u00fcle 5,5% ja tema igakuine makse kasvas sadade eurode v\u00f5rra. See ootamatu lisakulu sundis peret oma eelarvet oluliselt \u00fcmber vaatama ja pani nad m\u00e4rksa ebakindlamasse finantsolukorda.<\/span><\/i><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb title=&#8221;Laenaja dilemma: muutuv vs. fikseeritud intress&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3><\/h3>\n<p><span style=\"font-weight: 400;\">Euribori liikumine on tekitanud paljudes laenajates k\u00fcsimuse, kas on m\u00f5istlik valida muutuv v\u00f5i fikseeritud intressim\u00e4\u00e4r. See valik on \u00fcks olulisemaid finantsotsuseid, mida laenu v\u00f5tmisel teha tuleb.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Muutuv intress (Euribor + panga marginaal):<\/b><\/li>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Plussid:<\/b><span style=\"font-weight: 400;\"> Ajalooliselt on muutuv intressim\u00e4\u00e4r sageli soodsam kui fikseeritud. Kui Euribor on madal, on ka sinu igakuine makse v\u00e4iksem, j\u00e4ttes rohkem vaba raha. Intresside languse korral v\u00e4heneb sinu makse automaatselt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Miinused:<\/b><span style=\"font-weight: 400;\"> Peamine risk on ebakindlus ja volatiilsus. Kui Euribor j\u00e4rsult t\u00f5useb, nagu juhtus hiljuti, v\u00f5ib ka sinu kuumakse oluliselt suureneda. See eeldab, et su sissetulekud suudavad k\u00f5rgema maksega toime tulla ja et sinu riskitaluvus on piisavalt k\u00f5rge.<\/span><\/li>\n<\/ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fikseeritud intress:<\/b><\/li>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Plussid:<\/b><span style=\"font-weight: 400;\"> Stabiilsus ja ennustatavus. Sinu igakuine makse ei muutu kogu fikseeritud perioodi jooksul, olenemata Euribori k\u00f5ikumisest. See pakub kindlustunnet ja lihtsustab pere-eelarve planeerimist.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>Miinused:<\/b><span style=\"font-weight: 400;\"> Algne intressim\u00e4\u00e4r on tavaliselt k\u00f5rgem kui muutuval intressil. Sa ei saa kasu intresside langusest ja maksad kallimat hinda stabiilsuse eest. Pika fikseerimisperioodi l\u00f5pus v\u00f5id seista silmitsi suurema intressiga, kui turul valitseb madalam tase.<\/span><\/li>\n<\/ul>\n<\/ul>\n<p><b>Praktiline n\u00f5uanne:<\/b><span style=\"font-weight: 400;\"> Valik s\u00f5ltub sinu riskitaluvusest ja finantsolukorrast. Alati tasub konsulteerida pangaga ja paluda m\u00f5lema variandi simulatsioonid, et n\u00e4ha, milline oleks sinu igakuine makse erinevate Euribori tasemete juures.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/images.pexels.com\/photos\/5625119\/pexels-photo-5625119.jpeg?_gl=1*b3557k*_ga*ODExMzU4OTQ0LjE3NTkwNjYyNTA.*_ga_8JE65Q40S6*czE3NTkwNjk3NDMkbzIkZzEkdDE3NTkwNzAzNjkkajM5JGwwJGgw&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb title=&#8221;Kuidas Euribor investoreid m\u00f5jutab?&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Kuigi Euriborist r\u00e4\u00e4gitakse eelk\u00f5ige laenude kontekstis, on sellel m\u00e4rkimisv\u00e4\u00e4rne, ent sageli alahinnatud m\u00f5ju ka investoritele ja laiemale finantss\u00fcsteemile. Tegelikult on Euribor justkui n\u00e4htamatu niit, mis seob kokku erinevaid varaklasse alates hoiustest kuni aktsiateni.<\/span><\/p>\n<ol>\n<li><b><a href=\"https:\/\/fundguidr.ee\/hoius\/\"> Hoiused<\/a> ja v\u00f5lakirjad<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">P\u00e4rast aastaid kestnud negatiivseid intressim\u00e4\u00e4rasid, mil pangahoiused praktiliselt tulu ei toonud, on olukord kardinaalselt muutunud. Kui EKP t\u00f5stab intresse ja Euribor kerkib, peavad pangad maksma k\u00f5rgemat hinda raha kaasamise eest, mis toob kaasa paremad <\/span><b>hoiuseintressid<\/b><span style=\"font-weight: 400;\">. See on otsene kasu s\u00e4\u00e4stjatele ja konservatiivsetele investoritele. Sinu raha, mis varem pangakontol lihtsalt seisis, hakkab n\u00fc\u00fcd taas tulu teenima.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sama kehtib ka <\/span><a href=\"https:\/\/fundguidr.ee\/volakirjad\/\"><b>v\u00f5lakirjade<\/b><\/a><span style=\"font-weight: 400;\"> kohta. V\u00f5lakirjad on sisuliselt laenud, mida sa annad valitsustele v\u00f5i ettev\u00f5tetele. V\u00f5lakirja intressim\u00e4\u00e4r (ehk tulusus) on tihedalt seotud turul valitsevate intressim\u00e4\u00e4radega. Kui Euribor t\u00f5useb, annavad uued v\u00f5lakirjaemissioonid investoritele k\u00f5rgemat tulu, mis teeb need atraktiivsemaks. Samal ajal v\u00f5ib juba varem emiteeritud, madalama intressiga v\u00f5lakirjade hind langeda, kuna nende tulusus on turu uutest v\u00f5imalustest v\u00e4iksem.<\/span><\/p>\n<ol start=\"2\">\n<li><b><a href=\"https:\/\/fundguidr.ee\/varaklassid\/aktsiad\/\"> Aktsiad<\/a>\u00a0<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Euribori m\u00f5ju aktsiaturule ei ole nii otsene, kuid see on siiski m\u00e4rkimisv\u00e4\u00e4rne. K\u00f5rgemad intressim\u00e4\u00e4rad ja kallim laenuraha m\u00f5jutavad otseselt ettev\u00f5tete tegevust.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Laenukulude t\u00f5us:<\/b><span style=\"font-weight: 400;\"> Paljud ettev\u00f5tted, eriti need, mis tegutsevad kiirelt kasvavates ja kapitalimahukates sektorites, s\u00f5ltuvad oma \u00e4ritegevuse finantseerimisel laenudest. Kui intressikulud suurenevad, v\u00e4heneb nende <\/span><b>kasumlikkus<\/b><span style=\"font-weight: 400;\">, mis v\u00f5ib omakorda v\u00e4hendada nende aktsiate atraktiivsust. See on eriti kriitiline kiiresti kasvavate, kuid veel mitte kasumlike tehnoloogiaettev\u00f5tete puhul.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investorite k\u00e4itumise muutus:<\/b><span style=\"font-weight: 400;\"> Kui panga deposiidid ja v\u00f5lakirjad pakuvad ootamatult head ja riskivaba tulu, v\u00f5ivad konservatiivsemad investorid suunata oma raha aktsiatest stabiilsematesse finantsinstrumentidesse. See v\u00f5ib v\u00e4hendada n\u00f5udlust aktsiate j\u00e4rele ja suruda nende hindu allapoole. See on nn <\/span><b>varaklasside rotatsioon<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b> Kinnisvaraturg<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Kinnisvarainvestoritele on Euribori liikumine eluliselt t\u00e4htis. Kinnisvara ostetakse sageli suure laenuv\u00f5imendusega \u2013 see t\u00e4hendab, et suur osa ostuhinnast kaetakse laenuga.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Negatiivne m\u00f5ju:<\/b><span style=\"font-weight: 400;\"> Kui Euribor t\u00f5useb, muutub laen kallimaks ja igakuised laenumaksed suurenevad. See v\u00e4hendab laenuv\u00f5tjate ostuj\u00f5udu ja muudab kinnisvara ostmise keerulisemaks, mis omakorda v\u00e4hendab n\u00f5udlust ja v\u00f5ib kaasa tuua kinnisvarahindade languse. Investorid, kellel on juba laenud, seisavad silmitsi suuremate kuludega, mis s\u00f6\u00f6b \u00e4ra nende renditulu v\u00f5i n\u00f5uab suuremaid makseid omast taskust.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Positiivne m\u00f5ju:<\/b><span style=\"font-weight: 400;\"> Samal ajal v\u00f5ib k\u00f5rgem intressim\u00e4\u00e4r soodustada \u00fc\u00fcriturgu. Kui laenamine muutub kalliks, on paljud inimesed sunnitud elama \u00fc\u00fcrikorteris, mis t\u00f5stab \u00fc\u00fcrin\u00f5udlust ja v\u00f5imaldab investoritel k\u00fcsida k\u00f5rgemat \u00fc\u00fcri. Pikaajaliselt on see aga siiski tasakaalustatud ja investor peab hoolikalt hindama, kas potentsiaalne \u00fc\u00fcritulu suudab katta laenuintresside kasvu.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kokkuv\u00f5ttes on Euribor oluline n\u00e4itaja, mida iga investor peaks j\u00e4lgima, sest see annab v\u00e4\u00e4rtuslikku infot makromajanduslikest trendidest ja pakub vihjeid, millised varaklassid v\u00f5iksid olla parasjagu atraktiivsemad.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb title=&#8221;Tulevikuvaade ja riskide maandamine&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3><\/h3>\n<p><span style=\"font-weight: 400;\">Euroopa Keskpanga eesm\u00e4rk on tuua inflatsioon 2% tasemele, mis on ka Euribori edasise liikumise p\u00f5hin\u00e4itaja. Prognoosid on pidevas muutumises, kuid oluline on m\u00f5ista, et Euribor t\u00f5en\u00e4oliselt ei naase enam pikaajalisele negatiivsele tasemele. See ajastu oli erand, mitte reegel. Tulevikus on oodata stabiilsemaid, kuid siiski positiivseid intressim\u00e4\u00e4rasid.<\/span><\/p>\n<p><b>Mida iga\u00fcks ise teha saab?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loo puhver:<\/b><span style=\"font-weight: 400;\"> Kui sul on muutuv intressim\u00e4\u00e4r, m\u00f5tle l\u00e4bi, kas sinu pere eelarve peab vastu, kui laenumakse kasvab 20-30%. Loo s\u00e4\u00e4stupuhver, mis aitab ootamatutest intressit\u00f5usudest tekkinud lisakuludega toime tulla.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>K\u00fcsi n\u00f5u:<\/b><span style=\"font-weight: 400;\"> J\u00e4lgi EKP pressikonverentse ja Eesti Panga anal\u00fc\u00fcse. \u00c4ra tee olulisi finantsotsuseid emotsioonide baasil, vaid tugine anal\u00fc\u00fcsile ja ekspertide soovitustele.<\/span><\/li>\n<\/ul>\n<p><b>Suhtle pangaga:<\/b><span style=\"font-weight: 400;\"> Kui tunned, et laenumaksed k\u00e4ivad \u00fcle j\u00f5u, r\u00e4\u00e4gi oma pangaga. Tihti on v\u00f5imalik leida paindlikke lahendusi, nagu n\u00e4iteks laenuperioodi pikendamine.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/images.pexels.com\/photos\/7828324\/pexels-photo-7828324.jpeg?_gl=1*1lu5wvu*_ga*ODExMzU4OTQ0LjE3NTkwNjYyNTA.*_ga_8JE65Q40S6*czE3NTkwNjk3NDMkbzIkZzEkdDE3NTkwNzA0ODkkajYwJGwwJGgw&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner module_id=&#8221;aktsia5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;23px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_blurb title=&#8221;Kokkuv\u00f5te&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Passiivne sissetulek ei ole m\u00fc\u00fct, aga see ei ole ka tasuta. See n\u00f5uab alguses aega, raha ja distsipliini. K\u00f5ige olulisem on m\u00f5ista, et see on pikaajaline strateegia. Alustades varakult, kasvab sinu &#8220;rahapuu&#8221; aja jooksul suureks ja viljakaks, andes sulle tulevikus finantsilist vabadust ja valikuv\u00f5imalusi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">J\u00e4rgmises artiklis s\u00fcveneme aktiivse sissetuleku maailma ja uurime, kuidas oma peamist tuluallikat maksimaalselt \u00e4ra kasutada, et luua tugev vundament nii passiivse kui aktiivse sissetuleku kasvatamiseks.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Euribor (European Interbank Offered Rate) on finantsmaailmas keskne n\u00e4itaja, mis m\u00f5jutab otseselt miljonite eurooplaste igap\u00e4evast finantselu. See ei ole pelgalt pankade omavaheline intressim\u00e4\u00e4r, vaid alus, millele ehitatakse \u00fcles suur osa euroala muutuvate intressidega laenudest, sealhulgas kodulaenud, ettev\u00f5tete laenud ja liisingud. Kuigi Euribor v\u00f5ib tunduda abstraktse finantsterminina, on selle liikumine otseselt seotud sinu igakuiste laenumaksetega ning [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2496,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"2880","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investeerimistarkus"],"rank_math_title":"Euribor: number, mis m\u00f5jutab kogu majandust - FundGuidr","rank_math_focus_keyword":"euribor,euroopa,majandus","rank_math_description":"Selle artikli eesm\u00e4rk on selgitada, mis Euribor on, kuidas see toimib ja miks sellel on nii oluline roll sinu isiklikus rahanduses. 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