Eluasemelaenu andmise piirmäärad ja maksimaalne laenutähtaeg Art. 3Eluasemelaenu tagatuse piirmäär

(1) Eluasemelaenu tagatuse piirmäära täitmist hinnatakse laenu tagatuse suhtarvu alusel. 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(2) Laenu tagatuse suhtarv võib olla kuni 85%.

(3) Riiklikult tagatud eluasemelaenude puhul võib laenu tagatuse suhtarv olla kuni 90%.

(4) Eluasemelaenu tagatis peab olema selle laenu arvelt ostetavale, püstitatavale, laiendatavale, rekonstrueeritavale või renoveeritavale eluasemele või laenusaajale ja/või kaastaotlejale kuuluvale muule kinnisasjale laenu andva krediidiasutuse kasuks seatud hüpoteek. Eluasemelaenu võib tagada ka kolmandale isikule kuuluvale kinnisasjale seatud hüpoteek.

(5) Tagatisena võib arvestada ainult esimese järjekoha hüpoteeke. Järgnevatele järjekohtadele seatud hüpoteeke võib krediidiasutus tagatisena arvestada, kui kõik eelnevad hüpoteegid on seatud selle sama krediidiasutuse või riigi kasuks.

(6) Laenu tagatuse suhtarvu määramisel loetakse laenu tagava kinnisasja väärtuseks kinnisasja eluasemelaenulepingu sõlmimise eelselt hinnatud turuväärtus või eluaseme tegelik ostu-müügi hind, sõltuvalt sellest, kumb on väiksem.

(7) Kui eluasemelaenu tagatis tagab ühtlasi mõnda muud laenusaaja või kolmanda isiku laenukohustust, siis võetakse laenu tagatuse suhtarvu leidmisel arvesse kõik selle tagatisega tagatud laenude summad.

(8) Eluasemelaenu tagatuse piirmäära ei kohaldata eluasemelaenudele, mida antakse varasema laenu restruktureerimiseks või refinantseerimiseks ja mille summa ei ületa restruktureeritavast või refinantseeritavast laenust tulenevat nõuet.