{"id":4297,"date":"2020-07-30T12:07:50","date_gmt":"2020-07-30T09:07:50","guid":{"rendered":"https:\/\/www.top5credits.com\/fi\/?p=4297"},"modified":"2022-12-19T13:11:52","modified_gmt":"2022-12-19T11:11:52","slug":"pantti","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/fi\/lainasanasto\/pantti\/","title":{"rendered":"Pantti"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Mit\u00e4 pantti tarkoittaa?<\/h2>\n\n\n\n<p>Pantti voi olla esimerkiksi kultaa tai joku muu arvoesine. <\/p>\n\n\n\n<p>Lainaaja voi muuttaa saadun esineen rahaksi eli realisoida sen jos tarve vaatii, esim. jos lainaaja ei pysty suoriutumaan velastaan tai ei jostain syyst\u00e4 suorita tarvittavia lainamaksuja. Tarpeen vaatiessa lainaaja saa myyd\u00e4 vakuudeksi annetun omaisuuden ja k\u00e4ytt\u00e4\u00e4 siit\u00e4 saadut tuotot lainasta johtuvien tappioiden kattamiseen. Pantatun tuotteen voi realisoida esimerkiksi julkisella huutokaupalla.<\/p>\n\n\n\n<p>Mik\u00e4li lainaaja on joutunut realisoimaan pantatun esineen, saa lainaaja vain puuttuvan lainam\u00e4\u00e4r\u00e4n, koko pantatun esineen arvo ei kuulu lainaajalle.<\/p>\n\n\n\n<p><strong>Mik\u00e4li ottaa lainaa ja antaa jotain lainan pantiksi, kannattaa selvitt\u00e4\u00e4 ainakin seuraavat asiat:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Oman talouden tila: kannattaako lainaa ylip\u00e4\u00e4t\u00e4\u00e4n ottaa.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Panttisopimus: selvit\u00e4 tarkasti panttisopimuksen laajuus ja mit\u00e4 se tarkalleen ottaen pit\u00e4\u00e4 sis\u00e4ll\u00e4\u00e4n.<\/li>\n<\/ul>\n\n\n\n<p>Ole varma kaikista panttaukseen liittyvist\u00e4 ehdoista ennen sopimuksen allekirjoitusta. Sopimusta ei ikin\u00e4 kannata allekirjoittaa, mik\u00e4li siin\u00e4 on jotain ep\u00e4selv\u00e4\u00e4. T\u00e4m\u00e4 kannattaa pit\u00e4\u00e4 mieless\u00e4 mit\u00e4 tahansa sopimusta allekirjoitettaessa.<\/p>\n\n\n\n<div class=\"tarjousnappi\"><a href=\"https:\/\/www.top5credits.com\/fi\/lainavertailu\/\" title=\"Siirry lainavertailuun\">Vertaile lainat t\u00e4st\u00e4<\/a><\/div>\n\n\n\n<p><strong>Jos asetat jotain pantiksi, pyyd\u00e4 siit\u00e4 kirjallinen sopimus. Kirjallinen sopimus helpottaa mahdollisten ongelmatilanteiden selvittelyss\u00e4.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u00e4hteet<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.finanssivalvonta.fi\/kuluttajansuoja\/kysymyksia-ja-vastauksia\/pankkipalvelut\/takaus-ja-panttaus\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener nofollow\">https:\/\/www.finanssivalvonta.fi\/kuluttajansuoja\/kysymyksia-ja-vastauksia\/pankkipalvelut\/takaus-ja-panttaus\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pantilla tarkoitetaan velallisen ja velkojan sopimusta, miss\u00e4 tavara tai varallisuusarvoinen etuus annetaan pantiksi lainasta. Pantin tarkoituksena on, ett\u00e4 lainaaja saa tietyn vakuuden lainalleen. <\/p>\n","protected":false},"author":21,"featured_media":4301,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[115],"tags":[],"class_list":["post-4297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lainasanasto","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pantti - Kattava tietopaketti<\/title>\n<meta name=\"description\" content=\"Pantilla tarkoitetaan velallisen ja velkojan sopimusta, miss\u00e4 tavara tai varallisuusarvoinen etuus annetaan pantiksi lainasta.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/fi\/lainasanasto\/pantti\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pantti - 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