152
Võlaõigusseaduse muutmise ja sellega seonduvalt teiste seaduste muutmise seadus
Introduced
7 December 2015
Last action
23 February 2016 · Accepted
Status
AVALDATUD_RIIGITEATAJAS
Sponsors
Heljo Pikhof, Vabariigi Valitsus
Subjects
Discovery layer
Source updated
23 February 2016
Summary
Eelnõuga võetakse üle EL-i hüpoteekkrediidi direktiiv, millega ühtlustatakse eluasemelaenude regulatsioon. Muudatused puudutavad kõiki nii hüpoteegiga tagatud kui ka ilma tagatiseta laenulepinguid tarbijatele, mille eesmärk on kinnistu ostmine. Lisaks pankade antavatele eluasemelaenudele puudutavad eelnõuga seotud muudatused ka väiksemate laenukontorite antavaid tarbijakrediite. Eelnõu näeb ette anda tarbijale eluasemelaenu lepingu kohta senisest rohkem teavet. Krediidiandja peab tulevikus oma kodulehel üldteabena teavitama eluaseme laenulepingu põhisisust ja sellega seonduvatest võimalustest. Näiteks: kui pikaks ajaks maksimaalselt krediiti antakse, missuguseid tagatisi on selleks vaja, milline on tüüpiline krediidi kulukuse määr jne. Lisaks peavad pangad tarbijale isikupärastatud lepingueelse teabe esitamiseks kasutusele võtma ühtse infovormi, et hõlbustada laenu taotlejal lepingutingimustest ülevaate saamist ja erinevate pankade eluasemelaenu pakkumiste võrdlemist. Samuti laieneb laenuvõtjale õigus taganeda hüpoteegiga tagatud tarbijakrediidilepingust seitsme päeva jooksul. Teiste tarbijakrediidilepingute korral on taganemistähtajaks 14 päeva. Eelnõu täpsustab kehtivat vastutustundliku laenamise regulatsiooni. Eelnõu sätestab, et laenulepingu võib sõlmida üksnes juhul, kui tarbija on krediidivõimeline. Kui pank rikub hoolsuskohustust tarbija krediidivõimekuse hindamisel, alaneb lepingujärgne intressimäär automaatselt seadusjärgsele intressimäärale, mis on praegu 0,05 protsenti. Lisaks on tarbijal võimalik kasutada krediidiandja vastu muid asjakohaseid õiguskaitsevahendeid, näiteks nõuda kahju hüvitamist.
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Timeline
7 December 2015
AVALDATUD_RIIGITEATAJAS
Source: SE
23 February 2016
Accepted
Votes
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Versions
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Documents
29 official files
Keskerakonna ME
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Keskerakonna ME
pdf · ET · 28 January 2019
Seletuskirja lisa 3 pdf
pdf · ET · 21 February 2018
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Seletuskirja lisa 2 pdf
pdf · ET · 21 February 2018
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Seletuskirja lisa 2 doc
doc · ET · 21 February 2018
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Seletuskirja lisa 1 pdf
pdf · ET · 21 February 2018
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Seletuskirja lisa 1 doc
doc · ET · 21 February 2018
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Seletuskiri pdf
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Seletuskiri doc
doc · ET · 21 February 2018
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Kaaskiri
pdf · ET · 21 February 2018
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Eelnõu pdf
pdf · ET · 21 February 2018
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Eelnõu doc
doc · ET · 21 February 2018
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Algtekstid bdoc
bdoc · ET · 21 February 2018
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EIS teade
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Seletuskirja lisa 3
pdf · ET · 21 February 2018
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Seletuskirja lisa 2
doc · ET · 21 February 2018
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Seletuskirja lisa 1
doc · ET · 21 February 2018
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Seletuskiri
doc · ET · 21 February 2018
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Eelnõu
doc · ET · 21 February 2018
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Lõpptekst ddoc
ddoc · ET · 2 March 2016
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Lõpptekst
doc · ET · 2 March 2016
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Vabariigi Presidendi otsus bdoc
bdoc · ET · 1 March 2016
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Vabariigi Presidendi otsus
rtf · ET · 1 March 2016
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Vastuvõetud seadus bdoc
bdoc · ET · 23 February 2016
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Kaaskiri Vabariigi Presidendile
pdf · ET · 23 February 2016
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Vastuvõetud seadus
pdf · ET · 23 February 2016
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Eelnõu
doc · ET · 22 February 2016
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Eelnõu
doc · ET · 12 February 2016
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Muudatusettepanekute loetelu
doc · ET · 12 February 2016
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Seletuskiri
doc · ET · 12 February 2016
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Sponsors
- Heljo Pikhof · plenary-member
- Vabariigi Valitsus · Vabariigi Valitsus · Initiator
Related records
No cross-record relationships stored yet.
Related across the Repo ecosystem
Direct relationships are identifier-backed. Topic context means shared TopicMembership — not a citation and not causation.
Direct relationships
- Legal framework · Võlaõigusseaduse muutmise ja sellega seonduvalt teiste seaduste muutmise seadus · 152 · EE
- Identifier matchPROJECTS_FROM
Same estonia record 3c646e4b-594e-4de8-99a5-4c6caebb3299 projected from PoliticalRepo EE row.
Võlaõigusseaduse muutmise ja sellega seonduvalt teiste seaduste muutmise seadus
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.riigikogu.ee/tegevus/eelnoud/3c646e4b-594e-4de8-99a5-4c6caebb3299/
- Open data entity: https://api.riigikogu.ee/api/volumes/3c646e4b-594e-4de8-99a5-4c6caebb3299
- estonia · 3c646e4b-594e-4de8-99a5-4c6caebb3299 · source updated 23 February 2016