767
Õppetoetuste ja õppelaenu seaduse ning krediidiasutuste seaduse muutmise seadus
Introduced
1 December 2025
Last action
3 June 2026 · Accepted
Status
AVALDATUD_RIIGITEATAJAS
Sponsors
Margit Sutrop, Vabariigi Valitsus
Subjects
Discovery layer
Source updated
3 June 2026
Summary
Eelnõu valmistab ette õppelaenureformi, mis muudab õppelaenu tudengitele senisest kättesaadavamaks. Reformi keskmes on õppelaenu tingimuste leevendamine ning süsteemi ajakohastamine praegustele vajadustele vastavaks. Olulisim muudatus on käendaja või kinnisvaratagatise nõude kaotamine alates 2026. aasta septembrist. Senise tagatise asemel hakkavad pangad hindama taotlejate maksekohustusi ja maksekäitumist, mis teeb õppelaenu võtmise võimalikuks ka neil noortel, kellel seni polnud võimalik sobivat käendajat leida. Eelnõu kohaselt muutuvad soodsamaks laenutingimused: intressimäär langeb ning riik tagab pankadele edaspidi kommertsintressi kuni 1,5% + 6 kuu euribor aastas. Praegu kehtib piir 3% + 6 kuu euribor. Riik tagab jätkuvalt nii õppelaenu maksimaalmäära, 2025/2026. õppeaastal kuni 6000 eurot, kui ka tasumisele kuuluva intressi. Oluline muudatus on ka tagasimakseperioodi pikendamine. Kui seni tuli õppelaen tagastada kahekordse nominaalse õppeaja jooksul, siis tulevikus pikeneb tähtaeg neljakordseks ning maksimaalne tagasimakseaeg kasvab 20 aastalt 25 aastale. Pikem periood tähendab väiksemaid igakuiseid makseid ja leevendab lõpetajate majanduslikku koormust. Reformi ettevalmistamisel on arvesse võetud, et praegu kasutab õppelaenu keskmiselt ligikaudu 1800 üliõpilast aastas ehk ainult 4% potentsiaalsetest laenusaajatest. Neist omakorda ligi 8% võtab laenu välismaal õppimiseks. Õppelaene väljastavad Swedbank ja LHV intressimääradega vastavalt 1,99% + 6 kuu euribor ja 1,95% + 6 kuu euribor.
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Timeline
1 December 2025
AVALDATUD_RIIGITEATAJAS
Source: SE
3 June 2026
Accepted
Votes
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Documents
28 official files
Lõpptekst
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Lõpptekst
docx · ET · 15 June 2026
Lõpptekst asice
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Vabariigi Presidendi otsus
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Vabariigi Presidendi otsus asice
asice · ET · 15 June 2026
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Vastuvõetud seadus asice
asice · ET · 3 June 2026
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Kaaskiri Vabariigi Presidendile
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Vastuvõetud seadus
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Eelnõu
docx · ET · 1 June 2026
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Seletuskiri
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Muudatusettepanekute loetelu
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Eelnõu
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Taotlus Riigikogu juhatusele
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Seletuskirja lisa 2 (kooskõlastustabel)
docx · ET · 9 December 2025
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Seletuskirja lisa 1 (rakendusakti kavand)
docx · ET · 9 December 2025
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Eelnõu
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EIS teade
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Seletuskirja lisa 2 (kooskõlastustabel) pdf
pdf · ET · 1 December 2025
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Seletuskirja lisa 1 (rakendusakti kavand) pdf
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Eelnõu pdf
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Kaaskiri
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Algtekstid asice
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Sponsors
- Margit Sutrop · 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 · Õppetoetuste ja õppelaenu seaduse ning krediidiasutuste seaduse muutmise seadus · 767 · EE
- Identifier matchPROJECTS_FROM
Same estonia record bca9d49f-2bee-4f1b-8dd3-e74fb9298ea1 projected from PoliticalRepo EE row.
Õppetoetuste ja õppelaenu seaduse ning krediidiasutuste seaduse muutmise seadus
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.riigikogu.ee/tegevus/eelnoud/bca9d49f-2bee-4f1b-8dd3-e74fb9298ea1/
- Open data entity: https://api.riigikogu.ee/api/volumes/bca9d49f-2bee-4f1b-8dd3-e74fb9298ea1
- estonia · bca9d49f-2bee-4f1b-8dd3-e74fb9298ea1 · source updated 3 June 2026