{"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\/fi\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/","title":{"rendered":"Ent\u00e4 jos velat eiv\u00e4t en\u00e4\u00e4 painaisi ket\u00e4\u00e4n?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"14131\" class=\"elementor elementor-14131\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-496e1d53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"496e1d53\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-461d7be0\" data-id=\"461d7be0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd9ebe2 elementor-widget elementor-widget-text-editor\" data-id=\"cd9ebe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Velat voivat painaa koko el\u00e4m\u00e4n alas. Usein syyn\u00e4 ei ole huolimattomuus, vaan el\u00e4m\u00e4 itsess\u00e4\u00e4n: sairaus, ty\u00f6paikan menetys, ero. Sitten korot ja perint\u00e4kulut saavat velan kasvamaan yh\u00e4 enemm\u00e4n \u2013 kunnes kukaan ei en\u00e4\u00e4 kykene kantamaan sit\u00e4. T\u00e4ytyyk\u00f6 sen olla n\u00e4in my\u00f6s tulevaisuudessa?<\/p><h2>Gradidon avulla velka lakkaa kasvamasta<\/h2><p>T\u00e4n\u00e4\u00e4n saamme lahjoittaa sinulle kolmiosaisen tutkimuksemme toisen osan: ratkaisun <strong>Yksityiset velat<\/strong> \u2014 suurimmasta osasta kaikkia velkoja. Vastauksemme on yll\u00e4tt\u00e4v\u00e4n yksinkertainen: velkaa ei anteeksi anneta, vaan <strong>muunnettu<\/strong>. Yhden euron laina muuttuu korottomaksi Gradido-lainaksi, suhteessa yksi yhteen. Ilman korkoa velka lakkaa kasvamasta.<\/p><h2>My\u00f6s pankki on muuttumassa<\/h2><p>Se muodostuu korkoliiketoiminnasta <strong>v\u00e4litt\u00e4j\u00e4<\/strong>, joka yhdist\u00e4\u00e4 s\u00e4\u00e4st\u00f6t ja luottotoiveet hienovaraisesti. Suurin osa veloista hoituu t\u00e4ss\u00e4 yhteydess\u00e4 aivan mutkattomasti \u2014 ja se pieni, hankala loppuosa on samalla inhimillisesti t\u00e4rkein.<\/p><h2>Se, mik\u00e4 nyky\u00e4\u00e4n murtuu ihmisiss\u00e4, muuttuu siedett\u00e4v\u00e4ksi \u2014 ja h\u00e4lvenee<\/h2><p>Sill\u00e4 ylivelkaantumisen takana on aina ihminen, ei luku: usein vain muutaman tuhannen euron velka, kun tulot ovat k\u00f6yhyysrajan tasolla \u2014 ja silti se riitt\u00e4\u00e4 tuhoamaan el\u00e4m\u00e4n. Gradido-j\u00e4rjestelm\u00e4ss\u00e4 velan korottomuus vie silt\u00e4 tuhoisan voimansa, ja aktiivinen perustulo luo pohjan, jonka ansiosta kukaan ei en\u00e4\u00e4 putoa pohjattomaan kuiluun. Se, mik\u00e4 t\u00e4n\u00e4\u00e4n tuhoaa ihmisten toimeentulon, muuttuu siedett\u00e4v\u00e4ksi \u2014 ja katoaa ajan my\u00f6t\u00e4.<\/p><p>Kuten osa 1, my\u00f6s t\u00e4m\u00e4 tutkimus on vapaasti saatavilla saksaksi ja englanniksi. Sinun ei tarvitse olla perehtynyt talouteen \u2014 jo lyhyt yhteenveto on lukemisen arvoinen.<\/p><p>\ud83d\udc49 <a href=\"https:\/\/gradido.net\/fi\/academy-papers\/\"><strong>Akatemian julkaisuista voit lukea osat 1 ja 2<\/strong><\/a><\/p><p>Ja jos se koskettaa sinua: kerro siit\u00e4 muillekin. N\u00e4in Gradido toteutuu \u2013 kun sinun kaltaisesi ihmiset oppivat tuntemaan sen ja levitt\u00e4v\u00e4t sanaa.<\/p><p>Alku tehtiin muutama p\u00e4iv\u00e4 sitten osalla 1 (valtionvelka); pian seuraa osa 3 (Gradido maailmanlaajuisena varantona). Yhdess\u00e4 ne kertovat yhden ainoan, kauniin viestin: Tie maailmaan, jossa kaikilla voi menn\u00e4 hyvin, on avoinna \u2014 meille, lapsillemme ja tuleville sukupolville.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d74dfa0 elementor-widget elementor-widget-text-editor\" data-id=\"d74dfa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div data-pm-slice=\"1 1 []\" data-en-clipboard=\"true\"><p>L\u00e4mpim\u00e4sti tervehtiv\u00e4t sinua<\/p><p><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\">Teid\u00e4n<\/span><\/p><\/div><p><img decoding=\"async\" class=\"alignnone wp-image-4614 size-medium\" src=\"https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022-300x74.png\" alt=\"\" width=\"300\" height=\"74\" srcset=\"https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022-300x74.png 300w, https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022-18x4.png 18w, https:\/\/gradido.net\/wp-content\/uploads\/2022\/06\/MargretBernd_2022.png 431w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p>Margret Baier ja Bernd H\u00fcckst\u00e4dt<br \/>Gradidon perustaja ja kehitt\u00e4j\u00e4<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14532fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14532fe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65d2298\" data-id=\"65d2298\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bea124f elementor-widget elementor-widget-global elementor-global-9341 elementor-widget-text-editor\" data-id=\"bea124f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>PS: Suuri kiitos kaikille niille yhteis\u00f6n j\u00e4senille, jotka tukevat Gradido-projektia taloudellisesti!<\/strong> Kiitokseksi teid\u00e4n <strong><a href=\"https:\/\/gradido.net\/fi\/donations\/\" data-cke-saved-href=\"https:\/\/gradido.net\/de\/donations\/\">Tuen osuus<\/a><\/strong> me hyvit\u00e4mme sinulle GradidoTransform (GDT) - ja <strong>Kes\u00e4kuun 26. p\u00e4iv\u00e4n\u00e4 2026 lis\u00e4\u00e4mme kaikkien GDT-tilien saldoja viel\u00e4 26 %:ll\u00e4. <a href=\"https:\/\/gradido.net\/fi\/donations\/\" data-cke-saved-href=\"https:\/\/gradido.net\/de\/donations\/\">Haluaisitko liitty\u00e4 seuraamme?<\/a><\/strong> Olemme kiitollisia kaikesta tuesta - ja annamme teille GDT-lis\u00e4yksen syd\u00e4memme pohjasta.<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29dfc07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29dfc07\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d37ec5a\" data-id=\"d37ec5a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3bbb9b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3bbb9b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a7e88ad\" data-id=\"a7e88ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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<\/div>","protected":false},"excerpt":{"rendered":"<p>Velat voivat tehd\u00e4 el\u00e4m\u00e4st\u00e4 helvetin \u2014 usein sairauden, ty\u00f6paikan menett\u00e4misen tai eron j\u00e4lkeen. Tutkimuksemme 2. osa osoittaa, kuinka musertavista veloista voi tulla siedett\u00e4v\u00e4, koroton ratkaisu.<\/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":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Was, 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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Frei zug\u00e4nglich, zweisprachig.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gradido.net\/fi\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/\" \/>\n<meta property=\"og:site_name\" content=\"Gradido\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-19T07:07:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-19T08:00:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gradido.net\/wp-content\/uploads\/2026\/06\/Trilogie2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bernd H\u00fcckst\u00e4dt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Kirjoittanut\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bernd H\u00fcckst\u00e4dt\" \/>\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:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\"},\"author\":{\"name\":\"Bernd H\u00fcckst\u00e4dt\",\"@id\":\"https:\\\/\\\/gradido.net\\\/de\\\/#\\\/schema\\\/person\\\/9c503a004ad15a1ddecadce2218db5d1\"},\"headline\":\"Was, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten?\",\"datePublished\":\"2026-06-19T07:07:05+00:00\",\"dateModified\":\"2026-06-19T08:00:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\"},\"wordCount\":433,\"publisher\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/de\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/gradido.net\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Trilogie2.jpg\",\"keywords\":[\"Konzeptstudie\",\"Privatschulden\",\"\u00dcberschuldung\"],\"articleSection\":[\"Analysen\",\"Blog\"],\"inLanguage\":\"fi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\",\"url\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/\",\"name\":\"Was, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten? - Gradido\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/de\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/gradido.net\\\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/gradido.net\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Trilogie2.jpg\",\"datePublished\":\"2026-06-19T07:07:05+00:00\",\"dateModified\":\"2026-06-19T08:00:25+00:00\",\"description\":\"Mit Gradido werden private Schulden umgewandelt statt erlassen \u2014 zinsfrei. 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