{"id":4663,"date":"2020-08-12T11:29:17","date_gmt":"2020-08-12T08:29:17","guid":{"rendered":"https:\/\/www.top5credits.com\/fi\/?p=4663"},"modified":"2022-12-19T11:05:35","modified_gmt":"2022-12-19T09:05:35","slug":"erapaiva","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/fi\/lainasanasto\/erapaiva\/","title":{"rendered":"Er\u00e4p\u00e4iv\u00e4"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Laskun er\u00e4p\u00e4iv\u00e4<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.top5credits.com\/fi\/lainavertailu\/\">Lainoissa<\/a> laskun er\u00e4p\u00e4iv\u00e4 on yleens\u00e4 kerran kuukaudessa.<\/p>\n\n\n\n<p><strong>Kuluttajavirasto on m\u00e4\u00e4r\u00e4nnyt, ett\u00e4 laskun maksamiseen pit\u00e4\u00e4 antaa tarpeeksi aikaa. Kuluttajaviraston mukaan kohtuullinen aika on 14 p\u00e4iv\u00e4\u00e4<\/strong>. Ajanjakson tarkoituksena on varmistaa, ett\u00e4 kuluttajalla on tarpeeksi aikaa tarkastella laskua ja huomauttaa laskun l\u00e4hett\u00e4j\u00e4\u00e4, mik\u00e4li laskussa on jotain ep\u00e4selv\u00e4\u00e4 tai korjattavaa.&nbsp;<\/p>\n\n\n\n<p>Joissain tapauksissa laskun er\u00e4p\u00e4iv\u00e4 voi olla aikaisemmin. Esimerkiksi tilanteessa, jossa lasku olisi pit\u00e4nyt maksaa heti kaupantekohetkell\u00e4, mutta laskuttaja ja laskun maksaja ovat sopineet  kesken\u00e4\u00e4n erityiset maksuehdot. Esimerkiksi \u00e4kkil\u00e4hd\u00f6iss\u00e4 voi olla poikkeuksellisesti lyhyempi maksuaika.<\/p>\n\n\n\n<p><strong>Jos er\u00e4p\u00e4iv\u00e4st\u00e4 ei ole sovittu erikseen, niin velkojan t\u00e4ytyy itse vaatia saatavia. Vaatimuksen j\u00e4lkeen velallisella on 30 p\u00e4iv\u00e4\u00e4 aikaa maksaa velat<\/strong>. Vaatimuksena voi toimia esimerkiksi lasku tai suullinen ilmoitus. Viiv\u00e4styskorko alkaa kertym\u00e4\u00e4n, kun vaatimuksesta on kulunut 30 p\u00e4iv\u00e4\u00e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"627\" height=\"150\" src=\"https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/08\/laskun-er\u00e4p\u00e4iv\u00e4.jpg?cdn=1.1.2\" alt=\"Laskun er\u00e4p\u00e4iv\u00e4\" class=\"wp-image-4664\" srcset=\"https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/08\/laskun-er\u00e4p\u00e4iv\u00e4.jpg?cdn=1.1.2 627w, https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/08\/laskun-er\u00e4p\u00e4iv\u00e4-300x72.jpg?cdn=1.1.2 300w\" sizes=\"auto, (max-width: 627px) 100vw, 627px\" \/><figcaption class=\"wp-element-caption\">Er\u00e4p\u00e4iv\u00e4 l\u00f6ytyy laskun oikeasta alakulmasta<\/figcaption><\/figure>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">Laskun er\u00e4p\u00e4iv\u00e4 viikonloppuna ja pyhin\u00e4<\/h2>\n\n\n\n<p>Mik\u00e4li lasku er\u00e4\u00e4ntyy pyh\u00e4p\u00e4iv\u00e4n\u00e4, niin laskun er\u00e4p\u00e4iv\u00e4 on vasta seuraava arkip\u00e4iv\u00e4. Pyh\u00e4p\u00e4ivi\u00e4 ovat muun muassa arkilauantai, pyh\u00e4p\u00e4iv\u00e4, jouluaatto, itsen\u00e4isyysp\u00e4iv\u00e4,  juhannusaatto ja vappup\u00e4iv\u00e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Viiv\u00e4styskorko<\/h2>\n\n\n\n<p>Velallisen henkil\u00f6n tulee maksaa viiv\u00e4styskorkoa, mik\u00e4li maksu viiv\u00e4styy sovitusta er\u00e4p\u00e4iv\u00e4st\u00e4. <a href=\"https:\/\/www.top5credits.com\/fi\/lainasanasto\/viivastyskorko\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">Viiv\u00e4styskorko<\/a> muodostuu siten, ett\u00e4 voimassa olevaan viitekorkoon lis\u00e4t\u00e4\u00e4n 7 % vuosikorko. Esimerkiksi viitekoron ollessa 1 % viiv\u00e4styskorko on 8 %.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Viiv\u00e4styskorko esimerkki<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lasku <strong>1500 \u20ac<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Er\u00e4p\u00e4iv\u00e4 <strong>20.8.2020<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Viiv\u00e4styskorko <strong>7 %<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lasku maksetaan <strong>20.11.2020<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lasku on my\u00f6h\u00e4ss\u00e4 <strong>92 p\u00e4iv\u00e4\u00e4<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Viiv\u00e4styskorkoa on ehtinyt kerty\u00e4 <strong>26,39 \u20ac<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"698\" height=\"324\" src=\"https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/08\/Viiv\u00e4styskorkolaskuri.jpg?cdn=1.1.2\" alt=\"Viiv\u00e4styskoron laskeminen\" class=\"wp-image-4665\" srcset=\"https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/08\/Viiv\u00e4styskorkolaskuri.jpg?cdn=1.1.2 698w, https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/08\/Viiv\u00e4styskorkolaskuri-300x139.jpg?cdn=1.1.2 300w\" sizes=\"auto, (max-width: 698px) 100vw, 698px\" \/><figcaption class=\"wp-element-caption\">Verkosta l\u00f6ytyy useita erilaisia viiv\u00e4styskorkolaskureita<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Laskun er\u00e4p\u00e4iv\u00e4 mennyt<\/h2>\n\n\n\n<p>Kun laskun er\u00e4p\u00e4iv\u00e4 on mennyt ja lasku on edelleen maksamatta, velkoja l\u00e4hett\u00e4\u00e4 maksumuistutuksen. Maksumuistutus voi tulla oikeastaan milloin vain, mutta maksumuistutuksesta voidaan peri\u00e4 maksua vasta silloin, kun laskun&nbsp;er\u00e4p\u00e4iv\u00e4st\u00e4 on kulunut 14 p\u00e4iv\u00e4\u00e4. <strong>Laissa on m\u00e4\u00e4ritelty, ett\u00e4 maksumuistutuksesta peritt\u00e4v\u00e4 kulu voi olla maksimissaan 5 euroa<\/strong>. Kuluttajalla on 14 p\u00e4iv\u00e4\u00e4 aikaa maksaa lasku maksumuistutuksen j\u00e4lkeen. 14 p\u00e4iv\u00e4n j\u00e4lkeen maksamattomasta velasta tulee seuraavat perint\u00e4toimenpiteet.<\/p>\n\n\n\n<p>Ensimm\u00e4inen perint\u00e4vaihe on toiselta nimelt\u00e4 vapaaehtoinen perint\u00e4. <strong>Vapaaehtoisessa perinn\u00e4ss\u00e4<\/strong> velkoja tai perint\u00e4toimisto yritt\u00e4v\u00e4t saada velallisen hoitamaan velkansa perint\u00e4kirjeiden avulla. Mik\u00e4li perint\u00e4kirjeet eiv\u00e4t tuota tulosta, niin perint\u00e4 siirtyy toiseen vaiheeseen, jota kutsutaan oikeudelliseksi perinn\u00e4ksi. <\/p>\n\n\n\n<p><strong>Oikeudellinen perint\u00e4<\/strong> tarkoittaa, ett\u00e4 asia siirtyy k\u00e4r\u00e4j\u00e4oikeuden hoidettavaksi. Laskut kannattaa kuitenkin maksaa ennen kuin joutuu n\u00e4in ik\u00e4v\u00e4\u00e4n tilanteeseen. Oikeudellisen perinn\u00e4n seurauksena on maksuh\u00e4iri\u00f6merkint\u00e4. <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.top5credits.com\/fi\/lainasanasto\/maksuhairio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Maksuh\u00e4iri\u00f6merkint\u00e4<\/a> vaikuttaa negatiivisesti moneen arkiseen asiaan, sill\u00e4 esimerkiksi vuokra-asunnon, vakuutuksen ja puhelinliittym\u00e4n saaminen vaikeutuu huomattavasti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vaihtoehdot laskun maksuun<\/h2>\n\n\n\n<p>Mik\u00e4li er\u00e4p\u00e4iv\u00e4 on jo l\u00e4hell\u00e4, mutta rahaa ei ole laskujen maksamiseen, niin silloin kannattaa mietti\u00e4 vaihtoehtoisia ratkaisuja velan takaisinmaksuun. Velan maksuun voi k\u00e4ytt\u00e4\u00e4 esimerkiksi luottokorttia tai <a href=\"https:\/\/www.top5credits.com\/fi\/lainavertailu\/\">lainaa<\/a>. Luottokortti voi olla erinomainen vaihtoehto, mik\u00e4li laskun pystyy hoitamaan luottokortin korottoman maksuajan aikana. Luottokorteissa koroton maksuaika on yleens\u00e4 30 p\u00e4iv\u00e4\u00e4.<\/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<h3 class=\"wp-block-heading\">L\u00e4hteet:<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.laskurini.fi\/raha\/viivastyskorkolaskuri\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener nofollow\">https:\/\/www.laskurini.fi\/raha\/viivastyskorkolaskuri<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/yle.fi\/uutiset\/3-7685234\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener nofollow\">https:\/\/yle.fi\/uutiset\/3-7685234<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Er\u00e4p\u00e4iv\u00e4 on laskun viimeinen maksup\u00e4iv\u00e4. Maksu on teht\u00e4v\u00e4 viimeist\u00e4\u00e4n er\u00e4p\u00e4iv\u00e4n\u00e4, mutta rahan ei tarvitse olla velkojan tilill\u00e4 saman p\u00e4iv\u00e4n aikana. T\u00e4m\u00e4 johtuu siit\u00e4, ett\u00e4 pankkien v\u00e4lisiss\u00e4 siirroissa saattaa menn\u00e4 muutama p\u00e4iv\u00e4.<\/p>\n","protected":false},"author":21,"featured_media":4669,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[115],"tags":[],"class_list":["post-4663","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>Er\u00e4p\u00e4iv\u00e4 - Mik\u00e4 on er\u00e4p\u00e4iv\u00e4 ja miten yll\u00e4tt\u00e4vist\u00e4 menoista selvi\u00e4\u00e4? (2021)<\/title>\n<meta name=\"description\" content=\"Er\u00e4p\u00e4iv\u00e4 on laskun viimeinen maksup\u00e4iv\u00e4. Vinkkej\u00e4, miten er\u00e4p\u00e4iv\u00e4t eiv\u00e4t tule yll\u00e4tyksen\u00e4 ja miten yll\u00e4tt\u00e4vist\u00e4 laskuista selvi\u00e4\u00e4.\" \/>\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\/erapaiva\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Er\u00e4p\u00e4iv\u00e4 - Mik\u00e4 on er\u00e4p\u00e4iv\u00e4 ja miten yll\u00e4tt\u00e4vist\u00e4 menoista selvi\u00e4\u00e4? (2021)\" \/>\n<meta property=\"og:description\" content=\"Er\u00e4p\u00e4iv\u00e4 on laskun viimeinen maksup\u00e4iv\u00e4. Vinkkej\u00e4, miten er\u00e4p\u00e4iv\u00e4t eiv\u00e4t tule yll\u00e4tyksen\u00e4 ja miten yll\u00e4tt\u00e4vist\u00e4 laskuista selvi\u00e4\u00e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.top5credits.com\/fi\/lainasanasto\/erapaiva\/\" \/>\n<meta property=\"og:site_name\" content=\"Top5Credits.com Suomi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Top5Creditscom-Suomi-878136912537066\" \/>\n<meta property=\"article:published_time\" content=\"2020-08-12T08:29:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-19T09:05:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/08\/er\u00e4p\u00e4iv\u00e4.jpg?cdn=1.1.2\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"801\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Minna\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Kirjoittanut\" \/>\n\t<meta name=\"twitter:data1\" content=\"Minna\" \/>\n\t<meta name=\"twitter:label2\" content=\"Arvioitu lukuaika\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuuttia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/erapaiva\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/erapaiva\\\/\"},\"author\":{\"name\":\"Minna\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/#\\\/schema\\\/person\\\/37de435a9645ee13a6f6c7847dea8530\"},\"headline\":\"Er\u00e4p\u00e4iv\u00e4\",\"datePublished\":\"2020-08-12T08:29:17+00:00\",\"dateModified\":\"2022-12-19T09:05:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/erapaiva\\\/\"},\"wordCount\":511,\"publisher\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/erapaiva\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2020\\\/08\\\/er\u00e4p\u00e4iv\u00e4.jpg\",\"articleSection\":[\"Lainasanasto\"],\"inLanguage\":\"fi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/erapaiva\\\/\",\"url\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/erapaiva\\\/\",\"name\":\"Er\u00e4p\u00e4iv\u00e4 - Mik\u00e4 on er\u00e4p\u00e4iv\u00e4 ja miten yll\u00e4tt\u00e4vist\u00e4 menoista selvi\u00e4\u00e4? 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