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Olen hariduse omandanud ",{"text":598,"type":77,"marks":599},"Lõuna-Taani Ülikoolist",[600],{"type":198,"attrs":601},{"href":602},"https://www.sdu.dk/",{"text":604,"type":77}," ning olnud firma ",{"text":606,"type":77,"marks":607},"Intelligent Banker",[608],{"type":198,"attrs":609},{"href":610},"https://intelligentbanker.com/team/",{"text":612,"type":77}," juhataja alates 2013. aastast, mille jooksul olen aidanud rohkem kui 500 000 kasutajal üle kogu maailma leida lahendus nende rahalistele vajadustele.",{"type":102,"attrs":614,"content":615},{"level":104},[616],{"text":617,"type":77},"Mida 10+ aastat kogemusi on mulle õpetanud:",{"type":619,"attrs":620,"content":622},"orderedList",{"type":621,"start":150},null,[623,641,652,663,674,685,696,707],{"type":624,"content":625},"listItem",[626],{"type":73,"content":627},[628,633,635,639],{"text":629,"type":77,"marks":630},"Hinda oma rahalist seisu põhjalikult",[631,632],{"type":80},{"type":203},{"text":634,"type":77},": enne laenu taotlemist peaksid ",{"text":636,"type":77,"marks":637},"ALATI",[638],{"type":80},{"text":640,"type":77}," hindama oma finantsolukorda, et olla kindel, kas tõepoolest vajad laenu. Kaalu, kas saad oma kulud või investeeringud katta hoopis olemasolevate säästudega või oma eelarvet kohandades.",{"type":624,"content":642},[643],{"type":73,"content":644},[645,650],{"text":646,"type":77,"marks":647},"Võrdle laenupakkujaid",[648,649],{"type":80},{"type":203},{"text":651,"type":77},": uuri erinevate laenuandjate kohta, võrdle nende intressimäärasid, tasusid ja tingimusi. Loe ka teiste inimeste hinnanguid ja arvustusi, kuid pea silmas, et inimesed kipuvad andma negatiivseid hinnanguid just siis, kui nad pole ise laenu saanud. See ei tähenda tingimata, et laenufirma oleks kehv.",{"type":624,"content":653},[654],{"type":73,"content":655},[656,661],{"text":657,"type":77,"marks":658},"Loe peenikest kirja",[659,660],{"type":80},{"type":203},{"text":662,"type":77},". Uuri laenulepingut põhjalikult, sealhulgal tagasimaksetingimusi, intressimäärasid ja muid kaasnevaid tasusid. Ole kindel, et saad tingimustest täielikult aru enne kui lepingule alla kirjutad.",{"type":624,"content":664},[665],{"type":73,"content":666},[667,672],{"text":668,"type":77,"marks":669},"Laena ainult nii palju kui vajad",[670,671],{"type":80},{"type":203},{"text":673,"type":77},". Sel moel saad laenu kiiremini tagasi maksta, seega kaasnevaid kulusid vähendades.",{"type":624,"content":675},[676],{"type":73,"content":677},[678,683],{"text":679,"type":77,"marks":680},"Tee endale tagasimaksete jaoks plaan.",[681,682],{"type":80},{"type":203},{"text":684,"type":77}," Enne kui laenu võtad, peaksid endale tegema realistliku plaani laenu tagasi maksmiseks, mis kattub sinu eelarvega. Ole kindel, et saad vajalikud maksed teostatud õigeaegselt, sel moel väldid trahve ja intressimäära tõusu.",{"type":624,"content":686},[687],{"type":73,"content":688},[689,694],{"text":690,"type":77,"marks":691},"Kaalu alternatiive",[692,693],{"type":80},{"type":203},{"text":695,"type":77},". Erinevatel laenutüüpidel on erinevad intressid ja laenugraafikud. Näiteks, kui vajad raha auto jaoks, on mõistlik võtta selleks eesmärgiks loodud autoliising või autolaen.",{"type":624,"content":697},[698],{"type":73,"content":699},[700,705],{"text":701,"type":77,"marks":702},"Laena vastutustundlikult",[703,704],{"type":80},{"type":203},{"text":706,"type":77}," – kasuta lühiajaliseks kasutamiseks mõeldud laenusid ainult lühikeseks ajaks ning hädaolukordadeks. Väldi selliste laenude kasutamist igapäevasteks jooksvateks kuludeks või pikaajalise finantseerimise eesmärgil, kuna sel moel kipuvad laenukohustused lumepallina kasvama.",{"type":624,"content":708},[709],{"type":73,"content":710},[711,716],{"text":712,"type":77,"marks":713},"Otsi finantsnõustamist",[714,715],{"type":80},{"type":203},{"text":717,"type":77}," kui laenukoormus on muutunud liiga suureks või sa pole kindel, mis on järgmine parim samm, mida teha. Sel juhul kaalu finants-/ või laenunõustaja teenuse kasutamist, et saada professionaalset nõu.",{"type":73,"content":719},[720],{"text":721,"type":77},"Intelligent Banker, firma Moneezy-i taga, on üks juhtivaid tegijaid antud vallas ning on pälvinud oma eduloo eest mitmeid auhindu, sealhulgas „Børsen Gazelle” nimelise auhinna aastatel 2014-2018, Væksthus Syddanmark poolt välja antud „ Vækstpris” kasvuauhinna aastal 2018 ning EY „Enterpreneur of the Year” auhinna 2016. aastal.","Emil Kjær",{"alt":722,"url":724,"width":138,"height":138},"https://ib-websites-media.s3.eu-central-1.amazonaws.com/content/authors/emil-kjaer.png","General Manager",{"email":727,"linkedin":730},{"url":728,"show":504,"label":729},"es@moneezy.com","Email",{"url":731,"show":504,"label":732},"https://www.linkedin.com/in/emilkjaersternberg/","LinkedIn",{"type":70,"content":734},[735],{"type":73,"content":736},[737],{"text":738,"type":77},"Emil kasutab oma kogemusi, et esile tuua muutusi finantssektoris. Ta on õppinud Lõuna-Taani Ülikoolis ning on olnud firma Intelligent Banker juhataja alates 2013. aastast, kus ta on aidanud rohkem kui 500 000 kasutajal üle kogu maailma leida lahendus nende rahalistele vajadustele.",[740,743,746,749,752,755,758,761,764,767,770,773,776,779,782,785,788,791,794,797,800,803,806,809,812,816,820,824,828],{"description":741,"slug":360,"title":742},"Kasuta EezyRepayd, et arvutada, millal laenust vabaned ja leida parim tagasimaksemeetod. Sisesta oma laen ja vaata, kui palju aega ja intressimakseid säästad.","EezyRepay – lihtne meetod laenude tagasimaksmiseks",{"description":744,"slug":414,"title":745},"Veebilehe kasutamist jätkates nõustud küpsiste kasutamisega. Loe lisa meie küpsiste kasutamise poliitika kohta, et saada teada kuidas me sinu informatsiooni kogume ja kasutame.","Küpsiste Kasutamise Poliitika - Moneezy",{"description":747,"slug":450,"title":748},"Parimad pakkumised uuele laenukliendile: intressita laenud ja muud kampaaniad. Parimad laenuandjad - taotle kohe 24/7! Siin on laenu taotlemine lihtne!","Uus Laenuklient ⇒ Avasta 0% Intressiga Laenuvõimalused!",{"description":750,"slug":404,"title":751},"Moneezys pingutame, et toota lihtsasti mõistetavat ja kasulikku sisu. Võime uhkusega öelda, et teeme faktikontrolli ja parandame vead esimesel võimalusel.","Moneezy keskkonna tektide toimetamise juhised ja põhimõtted",{"description":753,"slug":435,"title":754},"Võrdle tarbimislaene ja intresse tasuta. Ei mingeid lisatasusid ja varjatud kulusid. Erinevad tarbimislaenud mis tahes vajadusteks! 100% online laenuvõrdlus!","Tarbimislaenud {date, date, ::yyyy} ⇒ Võrdle Tasuta ja Taotle Kohe!",{"description":756,"slug":430,"title":757},"Eesti parimad kiirlaenud ühest kohast! Kiire ja lihtne laenuvõrdlus 100% interneti teel. Taotle ja saa kiire vastus - lihtsalt ja mugavalt! Alusta kohe!","Kiirlaen 1 minutiga | Eesti parimad kiirlaenud interneti teel!",{"description":759,"slug":390,"title":760},"Hoia end kursis uusimate teemadega finantsmaailmast. Loe laenude, personaalpanganduse, investeerimise ja muu kohta ning saavuta oma rahalised eesmärgid!","Moneezy Blogi ⇒ Sinu Abikäsi Laenude Ja Rahanduse Alal",{"description":762,"slug":380,"title":763},"Kohtuge meie osavate finantsasjatundjatega, kes juhendavad teid kõiges alates investeeringutest ja säästmisest kuni isikliku rahanduseni. Saage oma rahandus kohe kontrolli alla!","Moneezy finantseksperdid - haara kontroll oma rahaasjade üle",{"description":765,"slug":370,"title":766},"Kas oled huvitatud koostööst Moneezyga, soovid lisateavet tööpakkumiste või juriidiliste küsimuste kohta, või lihtsalt meiega ühendust võtta - tee seda siin.","Võta Moneezyga ühendust - leia meie kontaktandmed siit",{"description":768,"slug":445,"title":769},"SMS-laenud | Sinu parim teejuht laenude maailmas! Võrdle Eesti SMS-laene tasuta 5 minutiga. Taotle 100% interneti teel - lihtne, arusaadav ja digitaalne!","SMS-laen | Eesti Parimad SMS-Laenud {date, date, ::yyyy} - Taotle Veebis!",{"description":771,"slug":365,"title":772},"Moneezy on midagi enamat kui laenude võrdlusplatvorm. Tagame sulle laenude kohta kogu vajaliku teabe, et saaksid laene võrrelda ja saada parimaid laenupakkumisi","Meist – Siit leiad kõik Moneezy meeskonna põhimõtete kohta",{"description":774,"slug":409,"title":775},"Saa läbipaistvat selgust meie ärimudeli ja rolli osas laenuprotsessis. Loe rohkem, kuidas reklaamid mõjutavad meie sisu ja mida see sinu jaoks tähendab.","Reklaamipõhimõtted - informatsioon meie ärimudeli kohta",{"description":777,"slug":385,"title":778},"Õpi tundma vastutustundliku laenamise põhimõtteid, et neid oma laenuprotsessis rakendada. Laena vastutustundlikult, et laenu parimal viisil ära kasutada.","Vastutustundlik laenamine: ekspertide soovitused laenamisel",{"description":780,"slug":347,"title":781},"100% free online loan comparison of different loans in Estonia. Find the best Estonian lenders with one click. Choose the best one for you and apply online!","Loans In Estonia {date, date, ::yyyy} ⇒ Consumer Loans, Small Loans And More",{"description":783,"slug":455,"title":784},"Kogu info autolaenude kohta - loe rohkem, võrdle laene ja leia endale sobiv. Toome sinuni erinevad laenupakkujad. Tutvu tingimustega ja saada avaldus.","Autolaen ⇒ Eesti Laenupakkujad - Tutvu Tingimustega!",{"description":786,"slug":418,"title":787},"Arvuta kõik oma laenu komponendid meie laenukalkulaatori abiga, täielikult nutitelefonis. Kiiresti, lihtsalt ja tasuta! Leia endale sobiv laen ja esita taotlus!","Laenukalkulaator - arvuta intress, kuumakse ja kogukulu",{"description":789,"slug":352,"title":790},"Kõik laenud - saada avaldus 2 minutiga, lihtsalt ja kiirelt! Oleme kogunud erinevad laenuandjad kokku ühte võrdlusesse. Võrdle ja saada taotlus juba täna!","Kõik Eesti laenuandjad - ülevaade erinevatest laenudest",{"description":792,"slug":460,"title":793},"Krediidikonto on personaalne ja paindlik alternatiiv tarbimislaenule! Erinevad laenuandjad ühest kohast. Vali laenusumma, võrdle laene ja täida taotlus veebis!","Krediidikonto | Parimad krediidikonto pakkujad Eestis!",{"description":795,"slug":440,"title":796},"Leia parim väikelaen, mis sobib sulle. Väikelaenude võrdlemisega leiad kergesti oma vajadustele kohandatud laenu! Parimad Eesti laenuandjad. Alusta kohe!","Väikelaen ⇒ Ülevaade Eesti Online Väikelaenudest {date, date, ::yyyy}!",{"description":798,"slug":465,"title":799},"Refinantseerimine koondab sinu erinevad laenud üheks! Üks laenumakse ja sobivam maksegraafik. Soodsate tingimuste korral säästad intressidelt! Rohkem infot","Refinantseerimislaen ⇒ Kiire Vastus, Personaalne Pakkumine",{"description":801,"slug":375,"title":802},"Moneezy korduma kippuvate küsimuste leht annab vastused sinu laenualastele küsimustele. Kui sa ei leidnud oma küsimusele vastust, võta meiega julgelt ühendust.","Vastused sinu korduma kippuvatele küsimustele ⇒ Moneezy KKK",{"description":804,"slug":425,"title":805},"Erinevad Eesti laenupakkujad - võrdle laenusid tasuta ja esita taotlus veebis. Ei mingeid varjatud tasusid. Kiire ja turvaline viis parima laenu leidmiseks‎!","Online laenud Eestis | Võrdle laene interneti teel ({date, date, ::yyyy})",{"description":807,"slug":478,"title":808},"Taotle 2000 eurot milleks vaja! Võrdle Eesti laenuandjaid ning saada taotlus interneti teel. Vali endale parim laen soodsatel tingimustel. Suur laenuülevaade!","Laenud 2000 eurot - kiirlaenud, tarbimislaenud, väikelaenud!",{"description":810,"slug":473,"title":811},"Taotle laenu summas 1000 eurot interneti teel mugavalt ja kiirelt. Vali parim laenupakkuja meie nimekirjast ja pane oma avaldus teele. See on nii lihtne!","Laenud 1000 eurot – väikelaenude nimekiri uuendatud {date, date, ::yyyy}!",{"description":813,"slug":814,"title":815},"Tehnikaguru Apple on loonud krediitkaardi, millega on mugav maksta. Loe rohkem Apple Pay ja Apple krediitkaardi kohta ning taotle oma kaarti juba täna.","/blogi/apple-krediitkaart-vota-oma-tulevikust-maksimum/","Apple krediitkaart - loe rohkem ja taotle juba täna!",{"description":817,"slug":818,"title":819},"Ärilaen aitab finantseerida äritegevust. Selgitame, millised on ärilaenude liigid, tingimused ja kes saab laenu taotleda. Uuri, kuidas leida parim ärilaen!","/blogi/mis-on-arilaen/","Kõik ärilaenude kohta - mis on ärilaen ja kuidas valida õige",{"description":821,"slug":822,"title":823},"Mitteasendatav vara, ehk NFT, on üks uusimaid digitaalseid trende ning nendesse investeerimine võib olla väga tulus. Selgitame sulle, kuidas kuidas osta NFT-d.","/blogi/mitteasendatav-vara-ehk-nft-uusim-investeerimistrend/","Investeerimine NFTsse ehk mitteasendatavasse varasse",{"description":825,"slug":826,"title":827},"Need leiutised on mõjutanud kõigi igapäevaelu ühel või teisel moel ning on leiutajatele toonud suure tulu. Loe edasi, et leida maailma tulusaimad leiutised.","/blogi/9-vaikest-leiutist-mis-teenisid-suure-varanduse/","Leiutised mis teenisid nende loojatele suure varanduse",{"description":829,"slug":830,"title":831},"Alles valid sektorit, kuhu tööle minna? Toome sinuni ärisektorid, kus teenitakse kõige rohkem. Loe meie ülevaadet kõige tulusamatest karjääriteedest siit.","/blogi/millist-arisektorit-peaksid-kaaluma-kui-soovid-raha-teenida/","Need on ärisektorid, mis toovad kõige rohkem raha sisse",[833,838,842,847,851],{"category":834,"createdAt":835,"slug":836,"teaser":813,"title":837},"guide","2024-01-29T11:00:00.000Z","apple-krediitkaart-vota-oma-tulevikust-maksimum","Apple krediitkaart – võta oma tulevikust maksimum",{"category":834,"createdAt":839,"slug":840,"teaser":817,"title":841},"2024-01-22T11:00:00.000Z","mis-on-arilaen","Mis on ärilaen ja millise kasuks otsustada? ",{"category":843,"createdAt":844,"slug":845,"teaser":821,"title":846},"moneezyExplains","2024-01-15T11:00:00.000Z","mitteasendatav-vara-ehk-nft-uusim-investeerimistrend","Mitteasendatav vara ehk NFT – uusim investeerimistrend",{"category":843,"createdAt":848,"slug":849,"teaser":825,"title":850},"2024-01-08T11:00:00.000Z","9-vaikest-leiutist-mis-teenisid-suure-varanduse","9 väikest leiutist, mis teenisid suure varanduse",{"category":852,"createdAt":853,"slug":854,"teaser":829,"title":855},"moneezyInvestigates","2024-01-01T11:00:00.000Z","millist-arisektorit-peaksid-kaaluma-kui-soovid-raha-teenida","Millist ärisektorit peaksid kaaluma kui soovid raha teenida?",1791459986491]