{"id":97,"date":"2025-02-28T22:57:03","date_gmt":"2025-02-28T20:57:03","guid":{"rendered":"https:\/\/sisu.ut.ee\/consumercredit\/?page_id=97"},"modified":"2025-04-30T11:09:31","modified_gmt":"2025-04-30T08:09:31","slug":"projektist","status":"publish","type":"page","link":"https:\/\/sisu.ut.ee\/consumercredit\/et\/","title":{"rendered":"Projektist"},"content":{"rendered":"<p class=\"has-large-font-size\">Uuringus anal\u00fc\u00fcsitakse, kuidas kaitsevad Euroopa Liidu ja riigisisesed regulatsioonid tarbimis- ja eluasemelaenu v\u00f5tnud tarbijate \u00f5igusi finantskriisi tingimustes, kus paljud tarbijad j\u00e4\u00e4vad laenude tagasimaksmisega v\u00f5lgnevusse ning nende vastu alustatakse t\u00e4itemenetlusi. Uuritakse, kuidas aitab \u00fclelaenamisest tingitud probleeme v\u00e4ltida vastutustundliku laenamise p\u00f5him\u00f5te, milliseid samme astutakse praktikas v\u00f5lgnevusse sattunud tarbijate kaitseks ning kuidas on kaitstud tarbijate \u00f5igused laenude refinantseerimisel. Samuti hinnatakse, kas ja kuiv\u00f5rd on p\u00f5hjendatud laiendada tarbijakrediidi regulatsioone mikrolaenudele, makset\u00e4htp\u00e4eva edasil\u00fckkamisele ning platvormide vahendusel antavatele laenudele. Viimaks k\u00e4sitletakse ka v\u00f5lgnevuste sissen\u00f5udmisel kasutatavaid tarbijaid kahjustavaid v\u00f5tteid. Uuringus keskendutakse P\u00f5hja-ja Baltimaade kogemustele ja antakse hinnang Euroopa vastavale seadusandlusele.<\/p>\n\n\n\n<p>Projekti rahastab Eesti Teadusagentuur (projekti nr PRG2640), projekti tegevused viiakse l\u00e4bi 01.01.2025-31.12.2028.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"94\" src=\"https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/Eesti-Teadusagentuur-logo-color_RGB-300x94.webp\" alt=\"\" class=\"wp-image-195\" srcset=\"https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/Eesti-Teadusagentuur-logo-color_RGB-300x94.webp 300w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/Eesti-Teadusagentuur-logo-color_RGB-1024x321.webp 1024w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/Eesti-Teadusagentuur-logo-color_RGB-768x240.webp 768w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/Eesti-Teadusagentuur-logo-color_RGB-1536x481.webp 1536w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/Eesti-Teadusagentuur-logo-color_RGB.webp 1920w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"101\" src=\"https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/TY_oigusteaduskond_est_sinine-txt-300x101.png\" alt=\"\" class=\"wp-image-193\" srcset=\"https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/TY_oigusteaduskond_est_sinine-txt-300x101.png 300w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/TY_oigusteaduskond_est_sinine-txt-1024x346.png 1024w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/TY_oigusteaduskond_est_sinine-txt-768x260.png 768w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/TY_oigusteaduskond_est_sinine-txt-1536x519.png 1536w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/TY_oigusteaduskond_est_sinine-txt-2048x692.png 2048w, https:\/\/sisu.ut.ee\/wp-content\/uploads\/sites\/892\/TY_oigusteaduskond_est_sinine-txt-1920x649.png 1920w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/figure>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Uuringus anal\u00fc\u00fcsitakse, kuidas kaitsevad Euroopa Liidu ja riigisisesed regulatsioonid tarbimis- ja eluasemelaenu v\u00f5tnud tarbijate \u00f5igusi finantskriisi tingimustes, kus paljud tarbijad j\u00e4\u00e4vad laenude tagasimaksmisega v\u00f5lgnevusse ning nende vastu alustatakse t\u00e4itemenetlusi. Uuritakse, kuidas aitab \u00fclelaenamisest tingitud probleeme v\u00e4ltida vastutustundliku laenamise p\u00f5him\u00f5te, milliseid &#8230;<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-97","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/pages\/97","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/comments?post=97"}],"version-history":[{"count":4,"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/pages\/97\/revisions"}],"predecessor-version":[{"id":231,"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/pages\/97\/revisions\/231"}],"wp:attachment":[{"href":"https:\/\/sisu.ut.ee\/consumercredit\/et\/wp-json\/wp\/v2\/media?parent=97"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}