{"id":14131,"date":"2026-06-19T09:07:05","date_gmt":"2026-06-19T07:07:05","guid":{"rendered":"https:\/\/gradido.net\/?p=14131"},"modified":"2026-06-19T10:00:25","modified_gmt":"2026-06-19T08:00:25","slug":"was-wenn-schulden-niemanden-mehr-erdruecken-muessten","status":"publish","type":"post","link":"https:\/\/gradido.net\/et\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/","title":{"rendered":"Mis oleks, kui v\u00f5lad ei peaks enam kedagi alla suruma?"},"content":{"rendered":"
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V\u00f5lad v\u00f5ivad kogu elu alla suruda. Ja sageli ei ole selle p\u00f5hjuseks kergemeelsus, vaid elu ise: haigus, t\u00f6\u00f6koha kaotus, lahkuminek. Siis lasevad intressid ja sissen\u00f5udmistasud v\u00f5lal \u00fcha kasvada \u2013 kuni keegi seda enam kanda ei suuda. Kas see peab ka tulevikus nii olema?<\/p>

Gradido abil lakkab v\u00f5lg kasvamast<\/h2>

T\u00e4na saame sulle kinkida meie kolmest osast koosneva uuringu teise osa: lahenduse Erav\u00f5lad<\/strong> \u2014 suurema osa k\u00f5igist v\u00f5lgadest \u00fcldse. Meie vastus on \u00fcllatavalt lihtne: v\u00f5lga ei kustutata, vaid muudetud<\/strong>. \u00dchest euro suurusest laenust saab intressivaba Gradido-laen, \u00fcks \u00fchele. Ilma intressita laenusumma enam ei kasva.<\/p>

Ka pank on muutumas<\/h2>

Seda m\u00f5jutab intressim\u00e4\u00e4raga seotud \u00e4ritegevus Vahendaja<\/strong>, mis \u00fchendab s\u00e4\u00e4stud ja laenusoovid delikaatselt. Suurem osa v\u00f5lgadest lahendub sellega t\u00e4iesti lihtsalt \u2014 ja see v\u00e4ike, keeruline \u00fclej\u00e4\u00e4nud osa on samal ajal inimlikult k\u00f5ige olulisem.<\/p>

See, mis t\u00e4nap\u00e4eval inimesi murrab, muutub talutavaks \u2014 ja hajub<\/h2>

Sest \u00fclem\u00e4\u00e4rase v\u00f5lakoormuse taga on alati inimene, mitte number: sageli vaid paar tuhat eurot v\u00f5lga sissetuleku juures, mis j\u00e4\u00e4b vaesuspiiri l\u00e4hedale \u2014 ja ometi piisavalt, et elu purustada. Gradido s\u00fcsteemis kaotab v\u00f5la intressivabadus oma h\u00e4vitava j\u00f5u ning aktiivne p\u00f5hisissetulek loob aluse, mille kaudu keegi enam p\u00f5hjatusse ei kukuks. See, mis t\u00e4na elusid h\u00e4vitab, muutub talutavaks \u2013 ja kaob aja jooksul.<\/p>

Nagu 1. osa, on ka see uuring vabalt k\u00e4ttesaadav nii saksa kui ka inglise keeles. Sa ei pea majandusest midagi teadma \u2013 juba l\u00fchikokkuv\u00f5te on lugemist v\u00e4\u00e4rt.<\/p>

\ud83d\udc49 Akadeemia artiklite puhul saad lugeda 1. ja 2. osa<\/strong><\/a><\/p>

Ja kui see sind puudutab, siis r\u00e4\u00e4gi sellest edasi. Nii saab Gradido reaalsuseks \u2013 kui inimesed nagu sina seda teavad ja edasi levitavad.<\/p>

M\u00f5ni p\u00e4ev tagasi ilmus esimene osa (riigiv\u00f5lg); varsti j\u00e4rgneb kolmas osa (Gradido kui \u00fclemaailmne reserv). Koos edastavad need \u00fcheainsa ilusa s\u00f5numi: tee maailma, kus k\u00f5igil v\u00f5ib h\u00e4sti minna, on avatud \u2013 meile, meie lastele ja j\u00e4rgnevatele p\u00f5lvkondadele.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Soojade tervitustega<\/p>

Teie<\/span><\/p><\/div>

\"\"<\/p>

Margret Baier ja Bernd H\u00fcckst\u00e4dt
Gradido asutaja ja arendaja<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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PS: Suur t\u00e4nu k\u00f5igile neile, kes toetavad Gradido projekti rahaliselt!<\/strong> T\u00e4nut\u00e4heks teie Subsiidiumid<\/a><\/strong> me anname teile krediiti GradidoTransform (GDT) - ja 26. juunil 2026 suurendame k\u00f5iki GDT-kontode saldosid t\u00e4iendavalt 26 % v\u00f5rra. Kas soovite meiega \u00fchineda?<\/a><\/strong> Oleme t\u00e4nulikud igasuguse toetuse eest - ja anname teile s\u00fcdamest GDT suurendamist.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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V\u00f5lad v\u00f5ivad muuta elu p\u00f5rguks \u2014 sageli haiguse, t\u00f6\u00f6koha kaotuse v\u00f5i lahkumineku j\u00e4rel. Meie uuringu 2. osa n\u00e4itab, kuidas muutuvad r\u00f5huvad v\u00f5lad talutavaks ja intressivabaks lahenduseks.<\/p>","protected":false},"author":2,"featured_media":14132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,11],"tags":[57,60,61],"class_list":["post-14131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysen","category-blog","tag-konzeptstudie","tag-privatschulden","tag-ueberschuldung"],"yoast_head":"\nWas, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten? - Gradido<\/title>\n<meta name=\"description\" content=\"Mit Gradido werden private Schulden umgewandelt statt erlassen \u2014 zinsfrei. Was heute Existenzen vernichtet, wird tragbar. 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