{"id":4718,"date":"2024-06-07T09:29:39","date_gmt":"2024-06-07T09:29:39","guid":{"rendered":"https:\/\/accres.eu\/accres_html\/?p=4718"},"modified":"2024-06-07T10:10:51","modified_gmt":"2024-06-07T10:10:51","slug":"zaim-ot-sobstvennika-firme","status":"publish","type":"post","link":"https:\/\/accres.eu\/et\/zaim-ot-sobstvennika-firme\/","title":{"rendered":"Laen omanikult ettev\u00f5ttele: saladused, l\u00f5ksud ja keelud"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4718\" class=\"elementor elementor-4718\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a01dda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a01dda\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-341a3f6\" data-id=\"341a3f6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a2baf47 elementor-widget elementor-widget-heading\" data-id=\"a2baf47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sissejuhatus<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51aee40 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51aee40\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6856587\" data-id=\"6856587\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e128443 elementor-widget elementor-widget-text-editor\" data-id=\"e128443\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Eestis ettev\u00f5tlusega tegelemine avab ettev\u00f5tte omanikele palju v\u00f5imalusi oma ettev\u00f5tte rahastamiseks. \u00dcks neist v\u00f5imalustest on anda oma ettev\u00f5ttele laenu. Siiski on oluline meeles pidada, et laenuprotsess on \u00f5igusaktidega reguleeritud ja sellel on oma erip\u00e4rad. K\u00e4esolevas artiklis vaatleme, kuidas omanik saab oma ettev\u00f5ttele laenu anda ja miks vastupidine protsess - laenu v\u00f5tmine oma ettev\u00f5ttelt - ei ole Eesti seaduste kohaselt v\u00f5imalik.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-63b664f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63b664f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41df102\" data-id=\"41df102\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e88817f elementor-widget elementor-widget-heading\" data-id=\"e88817f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Laenu andmine oma ettev\u00f5tte omanikult<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d7017df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7017df\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca97f57\" data-id=\"ca97f57\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-181480d elementor-widget elementor-widget-text-editor\" data-id=\"181480d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Selleks, et omanik saaks oma ettev\u00f5ttele laenu anda, tuleb j\u00e4rgida teatavaid eeskirju ja soovitusi. Oluline on arvestada, et k\u00f5ik tehingud tuleb vormistada korrektselt ja koosk\u00f5las juriidiliste n\u00f5uetega, et v\u00e4ltida tulevikus \u00f5iguslikke ja maksuprobleeme.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-155848b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"155848b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e06f75\" data-id=\"1e06f75\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-260c33c elementor-widget elementor-widget-heading\" data-id=\"260c33c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Laenulepingu koostamine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-89b1da3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"89b1da3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc57266\" data-id=\"fc57266\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b18a081 elementor-widget elementor-widget-text-editor\" data-id=\"b18a081\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Omaniku ja tema ettev\u00f5tte vaheline laenuleping peab olema kirjalik ja sisaldama k\u00f5iki vajalikke tingimusi, sealhulgas laenusummat, t\u00e4htaega (kui see on kohaldatav), intressim\u00e4\u00e4ra (kui see on kohaldatav) ja tagasimaksegraafikut (kui see on kohaldatav). Teisis\u00f5nu v\u00f5ib omaniku poolt \u00e4ri\u00fchingule antud laen olla t\u00e4htajatu ja intressivaba.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kui te otsustate ettev\u00f5ttele laenu anda teatud intressiga ja teatud ajaks, on oluline, et laenutingimused oleksid turup\u00f5hised, st intressim\u00e4\u00e4r ja muud tingimused ei tohiks erineda v\u00e4ga palju turul sarnaste tehingute puhul kehtivatest tingimustest.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lepingu v\u00f5ib koostada vabas vormis v\u00f5i kasutada n\u00e4idisvormi dokumendis <a href=\"https:\/\/help.amsgroup.ee\/ru\/nola-accounting\/shablony-dokumientov\" target=\"_blank\" rel=\"noopener\">Nola Accounting<\/a>.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4017def elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4017def\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-362a094\" data-id=\"362a094\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f9fe90 elementor-widget elementor-widget-heading\" data-id=\"1f9fe90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kuidas hinnata turutingimusi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e7e42c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e7e42c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3895f7c\" data-id=\"3895f7c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c03796 elementor-widget elementor-widget-text-editor\" data-id=\"8c03796\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paluge kommertspankadelt pakkumisi summale, mida soovite ettev\u00f5ttele laenata. Arvutage k\u00f5igi pakkumiste keskmine intressim\u00e4\u00e4r. Salvestage pakkumised oma isiklikku arhiivi.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sisestage \"\u00c4rilaenude v\u00f5rdlemine\" \u00fcksk\u00f5ik millisesse otsingumootorisse. Vaadake veebilehti, mis pakuvad ettev\u00f5tetele laenutingimuste v\u00f5rdlusi ja arvutavad v\u00e4lja keskmise intressim\u00e4\u00e4ra. Kindlasti salvestage teave, mille alusel olete keskmise intressim\u00e4\u00e4ra arvutanud, v\u00e4hemalt ekraanipiltide kujul.<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bcf13c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bcf13c4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8c0305b\" data-id=\"8c0305b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e33b1d elementor-widget elementor-widget-heading\" data-id=\"1e33b1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maksualased tagaj\u00e4rjed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b13a94 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b13a94\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ed09586\" data-id=\"ed09586\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ead2674 elementor-widget elementor-widget-text-editor\" data-id=\"ead2674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Omanikule antud laenult makstud intressi v\u00f5ib kajastada ettev\u00f5tte kuluna, mis v\u00e4hendab ettev\u00f5tte maksustatavat kasumit. Siiski on oluline tagada, et intressim\u00e4\u00e4r vastab turum\u00e4\u00e4rale, vastasel juhul v\u00f5ib maksuhaldur sellised kulud vaidlustada.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kui omanik ei ole Eesti maksuresident, peab ta saadud intressi kajastama oma isiklikus maksuaruandes tuluna ja maksma sellelt tulumaksu. Mitte-Eesti resident peaks ise v\u00e4lja selgitama, kuidas selline tulu deklareeritakse tema maksuresidentsuse riigis.<\/span><\/li><li aria-level=\"1\">Kui omanik on Eesti maksuresident, on ettev\u00f5te kohustatud intressidelt tulumaksu kinni pidama ja seda iga kord intressi maksmisel TSD-deklaratsioonis deklareerima. <strong>NB! Kui teil on Nola Start v\u00f5i Nola 1.0 tariif, siis intressi maksmine toob kaasa automaatse \u00fclemineku Nola 2.0 tariifile, kuna teie ettev\u00f5te on kohustatud esitama TSD-deklaratsiooni.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04e7893 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04e7893\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6444525\" data-id=\"6444525\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3204417 elementor-widget elementor-widget-heading\" data-id=\"3204417\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Miks ettev\u00f5te ei saa anda laenu omanikuomanikule<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac810f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac810f1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f48dde\" data-id=\"4f48dde\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91922bf elementor-widget elementor-widget-text-editor\" data-id=\"91922bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00c4riseadustiku \u00a7 159 kohaselt on \u00e4ri\u00fchingul keelatud anda laenu oma juhatuse liikmetele ja omanikele. Selle keelu eesm\u00e4rk on v\u00e4ltida huvide konflikti ning kaitsta \u00e4ri\u00fchingu ja selle v\u00f5lausaldajate huve.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ettev\u00f5te ei tohi anda laenu oma juhatuse liikmetele, juhtidele ja omanikele, sest selline tegevus v\u00f5ib viia positsiooni kuritarvitamiseni ning kahjustada ettev\u00f5tet ja selle v\u00f5lausaldajaid.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Selle reegli rikkumine v\u00f5ib tuua kaasa juhatuse liikmete \u00f5igusliku vastutuse ja ettev\u00f5tte v\u00f5imalikud trahvid.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><b>Seadusandlik viide: <a href=\"https:\/\/www.riigiteataja.ee\/akt\/123122022033?leiaKehtiv\" target=\"_blank\" rel=\"noopener\">Eesti \u00e4riseadustik \u00a7 159<\/a><\/b><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65661c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65661c2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d690b0\" data-id=\"2d690b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91586e8 elementor-widget elementor-widget-heading\" data-id=\"91586e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Juhtumiuuringud<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e07e256 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e07e256\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-91cc085\" data-id=\"91cc085\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a7c0fc elementor-widget elementor-widget-heading\" data-id=\"8a7c0fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Laenu v\u00e4ljamaksmine:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0aedb95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0aedb95\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7389d92\" data-id=\"7389d92\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9980e24 elementor-widget elementor-widget-text-editor\" data-id=\"9980e24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">N\u00e4iteks v\u00f5ib ettev\u00f5tte omanik laenata oma ettev\u00f5ttele 50 000 eurot 5% aastas 3 aastaks. Selline laenuleping peab olema kirjalik ja sisalduma ettev\u00f5tte raamatupidamisdokumentides. Laenuintressid peavad kogunema ja neid tuleb maksta vastavalt lepingule.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a37fa38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a37fa38\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-98878e8\" data-id=\"98878e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5016a1 elementor-widget elementor-widget-heading\" data-id=\"f5016a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Omanikule laenu andmise keelu rikkumine:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b9a4d3f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b9a4d3f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cde42c6\" data-id=\"cde42c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e24e81f elementor-widget elementor-widget-text-editor\" data-id=\"e24e81f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Juhul kui omanik otsustab v\u00f5tta laenu oma ettev\u00f5ttelt, on tegemist \u00e4riseadustiku \u00a7 159 rikkumisega. N\u00e4iteks kui omanik s\u00f5lmib laenulepingu 20 000 euro ulatuses isiklikeks vajadusteks, on selline leping ebaseaduslik ja maksuhaldur v\u00f5ib m\u00e4\u00e4rata \u00e4ri\u00fchingule trahvi ning n\u00f5uda raha tagastamist \u00e4ri\u00fchingule.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a67a01f elementor-widget elementor-widget-heading\" data-id=\"a67a01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meie soovitused<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a225551 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a225551\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94c9b11\" data-id=\"94c9b11\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-793e3e9 elementor-widget elementor-widget-text-editor\" data-id=\"793e3e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Kui soovite teha laenu omanikult ettev\u00f5ttele ja v\u00e4ltida t\u00e4iendavate maksukohustustega seotud peavalu, soovitame tungivalt teha laenu omanikult ettev\u00f5ttele intressivabalt.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49ab47f elementor-widget elementor-widget-heading\" data-id=\"49ab47f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kokkuv\u00f5te<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-93e456a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"93e456a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9cda845\" data-id=\"9cda845\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a3cefe elementor-widget elementor-widget-text-editor\" data-id=\"8a3cefe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Laenu v\u00f5tmine oma ettev\u00f5ttele v\u00f5ib olla kasulik vahend selle tegevuse rahastamiseks. Omanik peab siiski rangelt j\u00e4rgima \u00f5iguslikke eeskirju, et v\u00e4ltida \u00f5iguslikke ja maksuprobleeme.<\/span><\/p><p><span style=\"font-weight: 400;\">Oluline on meeles pidada, et laenu saamine oma ettev\u00f5ttelt ei ole v\u00f5imalik Eesti \u00f5iguse alusel, mis teenib ettev\u00f5tte ja selle v\u00f5lausaldajate huvide kaitset. K\u00f5igi eeskirjade ja soovituste j\u00e4rgimine v\u00f5imaldab teil tegutseda seaduslikult ja t\u00f5husalt, minimeerides riske ja tagades ettev\u00f5tte stabiilse arengu.<\/span><\/p><p><span style=\"font-weight: 400;\">Selline l\u00e4henemine laenuv\u00f5tmisele ja n\u00f5uetele vastavusele aitab teil oma ettev\u00f5tte rahaasju t\u00f5husalt hallata ja v\u00e4ltida v\u00f5imalikke probleeme tulevikus.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u0412\u0432\u0435\u0434\u0435\u043d\u0438\u0435 \u0412\u0435\u0434\u0435\u043d\u0438\u0435 \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0432 \u042d\u0441\u0442\u043e\u043d\u0438\u0438 \u043e\u0442\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u043c\u043d\u043e\u0436\u0435\u0441\u0442\u0432\u043e \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439 \u0434\u043b\u044f \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u0438\u043a\u043e\u0432 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439 \u043f\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438. \u041e\u0434\u043d\u043e\u0439 \u0438\u0437 \u0442\u0430\u043a\u0438\u0445 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0432\u044b\u0434\u0430\u0447\u0430 \u0437\u0430\u0439\u043c\u0430 \u0441\u0432\u043e\u0435\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438. \u041e\u0434\u043d\u0430\u043a\u043e \u0432\u0430\u0436\u043d\u043e \u043f\u043e\u043c\u043d\u0438\u0442\u044c, \u0447\u0442\u043e \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u0437\u0430\u0439\u043c\u0430 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u0443\u0435\u0442\u0441\u044f \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e\u043c \u0438 \u0438\u043c\u0435\u0435\u0442 \u0441\u0432\u043e\u0438 \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438. \u0412 \u0434\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u043c\u044b \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0438\u043c, \u043a\u0430\u043a \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u0438\u043a\u0443 \u043c\u043e\u0436\u043d\u043e \u0432\u044b\u0434\u0430\u0442\u044c \u0437\u0430\u0439\u043c \u0441\u0432\u043e\u0435\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0438 \u043f\u043e\u0447\u0435\u043c\u0443 \u043e\u0431\u0440\u0430\u0442\u043d\u044b\u0439 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 &#8212; \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u0437\u0430\u0439\u043c\u0430 \u043e\u0442 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