{"id":737,"date":"2025-10-27T18:40:01","date_gmt":"2025-10-27T16:40:01","guid":{"rendered":"https:\/\/kinnisvaralaen.ee\/?p=737"},"modified":"2025-11-06T11:46:28","modified_gmt":"2025-11-06T09:46:28","slug":"kuidas-saavutada-100-tootlus-korterite-flippimisel-voti-peitub-oigesti-valitud-finantseerimises","status":"publish","type":"post","link":"https:\/\/kinnisvaralaen.ee\/en\/kuidas-saavutada-100-tootlus-korterite-flippimisel-voti-peitub-oigesti-valitud-finantseerimises\/","title":{"rendered":"Kuidas saavutada 100% tootlus korterite flippimisel? V\u00f5ti peitub \u00f5igesti valitud finantseerimises"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Kui \u00fc\u00fcriturult on t\u00e4na kinnisvarainvestorid valdavalt lahkunud, siis aktiivne ja heade kauplemisv\u00f5imalustega j\u00e4relturg v\u00f5imaldab korterite flippimisega j\u00e4tkuvalt raha teenida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mis on korterite korterite flippimine? Ostad soodsa hinnaga, renoveerid ja m\u00fc\u00fcd kallimalt. M\u00f5nel juhul on investorid saavutanud isegi 100% tootluse omakapitalile, nagu kirjutas <a href=\"https:\/\/www.kinnisvarauudised.ee\/uudised\/2025\/07\/14\/korterite-flippimine-voib-tuua-ka-100-tootlust\">\u00c4rip\u00e4eva Kinnisvarauudised.ee oma hiljutises artiklis.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kinnisvaralaen.ee jagab oma kogemusi, et kuidas see tegelikult v\u00f5imalik on?<\/strong> <strong>K\u00f5ik algab h\u00e4sti l\u00e4bim\u00f5eldud finantsplaanist<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Flippimise edu ei seisne ainult \u00f5igel ajal \u00f5ige hinnaga ostmises v\u00f5i heas sisekujunduses \u2013 edu alus on tugev finantsplaan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enne ostu tuleks realistlikult hinnata:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ostuhind ja renoveerimiskulud,<\/li>\n\n\n\n<li>k\u00f5ik kaasnevad kulud (maksud, notar, hindamine, m\u00f6\u00f6bel jne),<\/li>\n\n\n\n<li>oodatav m\u00fc\u00fcgihind ja v\u00f5imalikud riskid.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kui need numbrid on paigas ja projekt on p\u00f5hjalikult l\u00e4bi arvutatud, on v\u00f5imalik hinnata ka tootluse suurust ning otsustada, kui suur osa rahast tasub katta omakapitaliga ja kui palju laenuga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Laenuraha suurendab tootlust, kui seda kasutatakse targalt<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Omakapitali tootlus s\u00f5ltub otseselt sellest, kui palju oma raha projekti panustad ja kui targalt oskad kasutada laenuraha.<br><br>Kui h\u00e4sti l\u00e4bi m\u00f5eldud flippimisprojekti finantseeritakse osaliselt kinnisvaralaenuga, v\u00f5ib omakapitali tootlus mitmekordistuda \u2013 ka 100%ni v\u00f5i enamgi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">See on klassikaline finantsv\u00f5imenduse (leverage) m\u00f5ju: kui projekt on kasumlik ja kulud h\u00e4sti l\u00e4bi m\u00f5eldud ning kontrolli all, siis v\u00f5imendab laen kasumit omakapitali suhtes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u00fchiajalise projekti puhul pole intress k\u00f5ige olulisem<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sageli kardetakse, et laenuraha on \u201eliiga kallis\u201c. Tegelikult pole intressim\u00e4\u00e4r l\u00fchiajalise flippimisprojekti puhul k\u00f5ige m\u00e4\u00e4ravam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kui projekt kestab n\u00e4iteks 6 kuud ja kogu ts\u00fckkel on h\u00e4sti planeeritud, siis n\u00e4iteks ka l\u00fchiajalise kinnisvaralaenu intress 11% ei v\u00e4henda oluliselt l\u00f5pptulemust. Pigem vastupidi \u2013 see v\u00f5imaldab sul oma kapitali paremini kasutada, projekti kiiremini realiseerida ning ette v\u00f5tta ka paralleelselt rohkem projekte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>N\u00e4ide flippimisprojekti tootlusest<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Projekti maksumus: <strong>130 000 \u20ac<\/strong><br><\/li>\n\n\n\n<li>Rahastuse jaotus:\n<ul class=\"wp-block-list\">\n<li>Omakapital: <strong>50 000 \u20ac<\/strong><\/li>\n\n\n\n<li>Laenuraha: <strong>80 000 \u20ac<\/strong>\n<ul class=\"wp-block-list\">\n<li>Intressim\u00e4\u00e4r: <strong>11% aastas<\/strong><\/li>\n\n\n\n<li>Projekti kestus: <strong>6 kuud<\/strong><\/li>\n\n\n\n<li>Intressikulu: <strong>ca 4 400 \u20ac<\/strong><br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>M\u00fc\u00fcgihind: <strong>185 000 \u20ac<\/strong><\/li>\n\n\n\n<li>Kokku teenitud kasum: <strong>~50 000 \u20ac<\/strong><\/li>\n\n\n\n<li>Tootlus omakapitalile: <strong>\u00fcle 100%<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nagu n\u00e4ha, ei ole l\u00fchiajaliste projektide puhul intressim\u00e4\u00e4r k\u00f5ige olulisem \u2013 oluline on hoopis see, kui h\u00e4sti on finantsplaan l\u00e4bi m\u00f5eldud ja kui t\u00e4pselt kulud ning m\u00fc\u00fcgihind on planeeritud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kinnisvaralaen.ee \u2013 paindlik rahastus flippijatele ja arendajatele<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Flippimine ja l\u00fchiajaline arendus n\u00f5uab kiiret otsustamist ja paindlikku finantspartnerit.<br>Kinnisvaralaen.ee pakub just selliseid lahendusi \u2013 kinnisvara tagatisel l\u00fchiajalisi h\u00fcpoteeklaene intressiga alates 11% (EURIBORI ei lisandu), mis sobivad ideaalselt projektip\u00f5hiseks rahastamiseks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meie kliendid on edukalt kasutanud sellist h\u00fcpoteeklaenu, et:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>finantseerida korterite ostu ja renoveerimist,<\/li>\n\n\n\n<li>katta ajutiselt lisainvesteeringuid v\u00f5i ootamatuid kulusid,<\/li>\n\n\n\n<li>vabastada kapitali uute projektide alustamiseks.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kui sul on plaanis j\u00e4rgmine flippimisprojekt, anal\u00fc\u00fcsi numbrid, tee tugev finantsplaan ja vali \u00f5iglane finantseerimislahendus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d5igesti struktureeritud projekt v\u00f5ib tuua 100% tootluse \u2013 mitte juhuse, vaid l\u00e4bim\u00f5eldud planeerimise tulemusena.<\/p>","protected":false},"excerpt":{"rendered":"<p>Kui \u00fc\u00fcriturult on t\u00e4na kinnisvarainvestorid valdavalt lahkunud, siis aktiivne ja heade kauplemisv\u00f5imalustega j\u00e4relturg v\u00f5imaldab korterite flippimisega j\u00e4tkuvalt raha teenida. Mis on korterite korterite flippimine? Ostad soodsa hinnaga, renoveerid ja m\u00fc\u00fcd kallimalt. M\u00f5nel juhul on investorid saavutanud isegi 100% tootluse omakapitalile, nagu kirjutas \u00c4rip\u00e4eva Kinnisvarauudised.ee oma hiljutises artiklis. Kinnisvaralaen.ee jagab oma kogemusi, et kuidas see tegelikult [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":759,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kategoriseerimata"],"_links":{"self":[{"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/posts\/737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/comments?post=737"}],"version-history":[{"count":6,"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/posts\/737\/revisions"}],"predecessor-version":[{"id":757,"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/posts\/737\/revisions\/757"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/media\/759"}],"wp:attachment":[{"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/media?parent=737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/categories?post=737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kinnisvaralaen.ee\/en\/wp-json\/wp\/v2\/tags?post=737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}