Kinnisvara hinna probleemi lahendus

-
Kõik me oleme nõus, et Tallinnas on kinnisvara hind liiga kõrge. Kui keskmiselt võiks ühe korteri ruutmeetri hind võrduda keskmise kuupalgaga, siis Tallinnas on ta kaks või kolm korda kallim. Mul on lahendus välja pakkuda!

Riiklikult tuleks seada piir kodulaenu maksimaalsele perioodile! Kui praegu annavad pangad laenu isegi kuni 40-ks aastaks, siis see maksimaalne periood tuleks seadusega tuua alla näiteks 15-ks aastaks.

Meetod: Alates aastast 2010 vähendada iga aasta lubatud maksimaalset kodulaenu perioodi pikkust 1a. võrra. Seda alustades 30-st aastast kuni 15 aastani.

Tulemus: "Õhu komponent" mis on kinnisvara virtuaalses osas - maa hinnas ja asukoha väärtuses - väheneks. Säiliks ostjate võime maksta kinnisvara ehitamiseks vajalik hind ja kõik saaksid endale kodu siiski soetada. Väheneks periood, milleks noor pere peab ennast võlaorjusesse määrama tahtes endale kodu soetada.

Miks praegu: Praegu võiks hakata sellist eelnõu ettevalmistama, et saada ta järgmise majandustõusu alguseks valmis ja käiku lasta.

Pööraks ümber: Me oleme näinud kuidas sama protsess toimib teistpidi. Kui pangad on aastate 2000-2006 joksul maksimaalset kodulaenu perioodi pikendanud, siis see on endaga kaasa toonud proportsionaalse kinnisvarahindade tõusu. Kasvanud on "õhu komponent" ehk maa ja asukoha väärtus. Üldises plaanis on maksimaalse laenuperioodi pikendamine toonud palgatöölistest kodu soetajatele kaasa ainult õnnetust - võlaorjus pikenes aga võimalused asukoha ja ruutmeetrite osas jäid samaks.

Comments

Post a Comment

Popular posts from this blog

Misconceptions regarding electric cars

-
Image
EU's Fit for 55 plan includes quite ambitious emissions reduction targets for the car industry and this has initiated a big discussion in the industry and among thought-leaders. I would like to point out two topics where our thinking tends to go wrong and where looking at the wider picture makes sense Let's think wider than just switching the power source from internal combustion to battery-electric. Here is a photo of one of the first cars made. It is a 1896 Arnold Benz, whose driver Walter Arnold received the worlds first speeding ticket for driving 13km/h with it. As you can see the car looks like a horse carriage minus the horse. It was only a few decades later that cars were considered to be cars and not horse carriages with engines and could therefore be designed differently. At present day we have a similar problem and are stuck in the thinking that an electric vehicle must be a car where everything must be otherwise the same only the engine to be a battery powered elect
Loe edasi...

How to move to Estonia Guide (for ICT consultants, specialists....but for others also)

-
The information in this post and the links were updated on 18th of July 2014. In my opinion Estonia is a good place for IT specialists to find a job and work in! Especially in the situation when the (youth) unemployment is rising and in many European countries there is no sign of it easing.  I promoted the idea to the Estonian IT companies in one of my recent posts . With this post I want to give my contribution to the exchange of talent inside EU. I hope this helps at least a few people.  This post is definitely not an official guide, but more of a friendly advice. If you have any questions regarding moving or any important information that could help others then please comment this post!  This post focuses on moving to Tallinn. Tartu, as the second biggest town in Estonia, is also an alternative with Playtech and Webmedia as the biggest IT sector employers there. The first thing you need is a job .  If you are an IT specialist with a university degree there is a good chance
Loe edasi...

2022 - The year of breakthrough of hybrid and remote work. The massive impact this will bring

-
Image
(Neither ChatGPT, nor any other AI was used to write this article. Photos by me. But the illustrations were created by Midjourney AI. You can find the Midjourney command in Italic at the footer of each illustration.)  In this post I will cover two topics. Firstly, the hybrid and remote work practices and its challenges. Secondly, some thoughts on the huge impact the hybrid/remote work will bring about small-townization. Part 1 - Where we are with hybrid and remote work? A few weeks ago there was a fire drill in the office building of Solita Tallinn. The alarm went on and everybody in the building (the one on the photo) had to evacuate to the street. While waiting on the street for the drill to end we did a small calculation. We calculated that there should be about 800-1000 workplaces in the whole building. However, the "evacuated" crowd was only 150-200 persons strong. So roughly 10-30% of the workplaces in our office building are used. This matches the numbers we are seein
Loe edasi...