{"id":1368320,"date":"2016-09-12T14:44:55","date_gmt":"2016-09-12T12:44:55","guid":{"rendered":"http:\/\/www2.realat.lv\/lv\/?p=1368320"},"modified":"2016-09-12T14:44:55","modified_gmt":"2016-09-12T12:44:55","slug":"majokla-kredita-pirmajai-iemaksai-jakraj-236-menesus","status":"publish","type":"post","link":"https:\/\/www2.realat.lv\/lv\/zina\/majokla-kredita-pirmajai-iemaksai-jakraj-236-menesus\/","title":{"rendered":"M\u0101jok\u013ca kred\u012bta pirmajai iemaksai j\u0101kr\u0101j 23,6 m\u0113ne\u0161us"},"content":{"rendered":"

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\u0160\u0101 gada 2. ceturksn\u012b m\u0101jok\u013cu pieejam\u012bba R\u012bg\u0101 turpin\u0101jusi strauji uzlaboties, saglab\u0101jot l\u012bdera poz\u012bciju starp Baltijas valstu galvaspils\u0113t\u0101m, liecina Swedbank Baltijas M\u0101jok\u013cu pieejam\u012bbas indekss.<\/strong><\/p>\n<\/div>\n

Uzlabojumu veicin\u0101ja vid\u0113j\u0101s dz\u012bvok\u013cu cenas kritums, vid\u0113j\u0101s algas k\u0101pums un aizdevuma procentu likmju samazin\u0101jums. Ar\u012b Tallin\u0101 m\u0101jok\u013cu pieejam\u012bba uzlabojusies. To veicin\u0101ja \u0101tra algu izaugsme. Savuk\u0101rt Vi\u013c\u0146\u0101 pieejam\u012bba sarukusi, jo dz\u012bvok\u013cu cenas k\u0101pums p\u0101rsniedza algu izaugsmi.<\/p>\n

2016. gada 2. ceturksn\u012b m\u0101jok\u013cu pieejam\u012bbas indekss (MPI) R\u012bg\u0101 turpin\u0101jis uzlaboties, k\u0101rt\u0113jo reizi sasniedzot augst\u0101ko v\u0113rt\u012bbu kop\u0161 2005. gada, t.i., 171,3. Tas ir par 12,5 punktiem vair\u0101k nek\u0101 p\u0113rn. Indeksa v\u0113rt\u012bba 171,3 noz\u012bm\u0113 to, ka standartiz\u0113tas m\u0101jsaimniec\u012bbas (t\u0101das, kuras ien\u0101kumi atbilst 1,5 vid\u0113jai neto algai R\u012bg\u0101 un kura v\u0113las ieg\u0101d\u0101ties 55 m2 lielu dz\u012bvokli) ien\u0101kumi bija par 71,3% augst\u0101ki, nek\u0101 tas b\u016btu nepiecie\u0161ams, lai hipotek\u0101r\u0101 kred\u012bta apkalpo\u0161anai novirz\u012btu ne vair\u0101k k\u0101 30% no \u0123imenes ien\u0101kumiem. Pieejam\u012bbu veicin\u0101ja vid\u0113j\u0101s dz\u012bvok\u013cu cenas kritums par krietniem 6.9%. Proti, kam\u0113r vid\u0113j\u0101 dar\u012bjuma cena kvadr\u0101tmetr\u0101 jaunajos projektos samazin\u0101j\u0101s par 21%, cena s\u0113rijveida dz\u012bvok\u013cos mikrorajonos, lai gan l\u0113n\u0101k, ta\u010du turpin\u0101ja augt (5.5% pret \u0161o ceturksni p\u0113rn). Vid\u0113j\u0101s neto algas pieauguma temps \u0161aj\u0101 ceturksn\u012b saruka l\u012bdz 3.4%, ta\u010du ar\u012b deva savu artavu pieejam\u012bbas uzlabojum\u0101. M\u0101jok\u013cu kred\u012btu procentu likmes ir samazin\u0101ju\u0161\u0101s par 10 b\u0101zes punktiem.<\/p>\n

\u00abIepriecino\u0161a ir zi\u0146a, ka iedz\u012bvot\u0101ju aktivit\u0101te 2. ceturksn\u012b ir pieaugusi, sasniedzot augst\u0101ko l\u012bmeni p\u0113d\u0113jo divarpus gadu laik\u0101. Par iedz\u012bvot\u0101ju interesi m\u0101jok\u013cu ieg\u0101d\u0113 var\u0113j\u0101m jau nojaust, p\u0113tot jaun\u0101s kredit\u0113\u0161anas statistiku \u2013 \u0161aj\u0101 ceturksn\u012b m\u0101jok\u013ca ieg\u0101dei izsniegto kred\u012btu summa bijusi krietni augst\u0101ka nek\u0101 vid\u0113ji p\u0113d\u0113jos p\u0101ris gados. Da\u013ca no t\u0101 attiecin\u0101ma uz valsts atbalsta programmu, kurai tika pie\u0161\u0137irti papildus l\u012bdzek\u013ci. T\u0101pat, iesp\u0113jams, ka da\u013ca no l\u012bdz \u0161im veidotajiem m\u0101jsaimniec\u012bbu uzkr\u0101jumiem balsta aktivit\u0101tes pieaugumu, jo dom\u0101ti pirm\u0101s iemaksas veik\u0161anai. Cenu tendenc\u0113s di\u017eas p\u0101rmai\u0146as nav \u2013 ekonomiskaj\u0101 segment\u0101 cenas aug, bet d\u0101rg\u0101kaj\u0101 t\u0101s mazin\u0101s. Ekskluz\u012bvaj\u0101 kategorij\u0101 nov\u0113rojams pamat\u012bgs vid\u0113j\u0101s dar\u012bjuma cenas kvadr\u0101tmetr\u0101 kritums 21% apm\u0113r\u0101. Tas var\u0113tu liecin\u0101t par to, ka main\u0101s dar\u012bjumu strukt\u016bra par labu relat\u012bvi l\u0113t\u0101kiem m\u0101jok\u013ciem ar\u012b \u0161aj\u0101 segment\u0101,\u00bb saka Swedbank jaun\u0101k\u0101 ekonomiste Linda Vildava.<\/p>\n

Tallin\u0101 \u0161aj\u0101 ceturksn\u012b MPI uzlabojies l\u012bdz 159,6, kas atbilst 5,5 punktu pieaugumam. Indeksa uzlabojums saist\u0101ms ar joproj\u0101m sp\u0113c\u012bgo algu izaugsmi 7,2% apm\u0113r\u0101, k\u0101 ar\u012b v\u0101j\u0101ku dz\u012bvok\u013cu cenas izaugsmi ap 2%, sal\u012bdzinot ar attiec\u012bgo periodu p\u0113rn. Kred\u012btu procentu likmes samazin\u0101ju\u0161\u0101s par 3 b\u0101zes punktiem.<\/p>\n

\u00a0Vi\u013c\u0146\u0101 \u0161\u012b gada 2. ceturksn\u012b MPI samazin\u0101jies par 3.9 punktiem \u2013 l\u012bdz 128,1. Samazin\u0101jums nov\u0113rojams t\u0101d\u0113\u013c, ka dz\u012bvok\u013cu cenas k\u0101pums 11% apm\u0113r\u0101 apsteidzis ar\u012b straujo algu izaugsmi (7,4%). M\u0101jok\u013cu kred\u012btu procentu likmes palielin\u0101ju\u0161\u0101s par 3 b\u0101zes punktiem.<\/p>\n

Laika posms, kas nepiecie\u0161ams m\u0101jsaimniec\u012bbai R\u012bg\u0101, lai sakr\u0101tu l\u012bdzek\u013cus pirmajai iemaksai pilnas atbild\u012bbas m\u0101jok\u013ca kred\u012btam, gad\u0101 samazin\u0101jies par 2,6 m\u0113ne\u0161iem, sasniedzot 23,6 m\u0113ne\u0161us. M\u0101jok\u013ca kred\u012bta ar ierobe\u017eotu klienta atbild\u012bbu (ar t\u0101 saukto nolikto atsl\u0113gu principu) pirm\u0101s iemaksas uzkr\u0101\u0161anai nepiecie\u0161amais laiks ir b\u016btiski liel\u0101ks, jo ir nepiecie\u0161ama liel\u0101ka pirm\u0101 iemaksa. Uzkr\u0101\u0161anas laiks ir ilg\u0101ks, ja m\u0101jsaimniec\u012bbai vienlaikus j\u0101maks\u0101 ar\u012b par \u012bri. Savuk\u0101rt m\u0101jok\u013ca kred\u012bta ar valsts galvojumu \u0123imen\u0113m uzkr\u0101\u0161anai nepiecie\u0161amais laiks ir iev\u0113rojami \u012bs\u0101ks \u2013 tam nepiecie\u0161ama maz\u0101ka pirm\u0101 iemaksa, un t\u0101s atvieglojums ir atkar\u012bgs no apg\u0101d\u0101jamo skaita. Uzkr\u0101\u0161anas laiks Tallin\u0101 samazin\u0101jies par 1,4 m\u0113ne\u0161iem (27,6 m\u0113ne\u0161i), kam\u0113r Vi\u013c\u0146\u0101 tas pieaudzis par 1,3 m\u0113ne\u0161iem (37 m\u0113ne\u0161i).\u00a0<\/p>\n

www.db.lv<\/p>\n

<\/p>","protected":false},"excerpt":{"rendered":"

\u0160\u0101 gada 2. ceturksn\u012b m\u0101jok\u013cu pieejam\u012bba R\u012bg\u0101 turpin\u0101jusi strauji uzlaboties, saglab\u0101jot l\u012bdera poz\u012bciju starp Baltijas valstu galvaspils\u0113t\u0101m, liecina Swedbank Baltijas M\u0101jok\u013cu pieejam\u012bbas indekss. Uzlabojumu veicin\u0101ja vid\u0113j\u0101s dz\u012bvok\u013cu cenas kritums, vid\u0113j\u0101s… <\/p>\n","protected":false},"author":2,"featured_media":1368321,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1368320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"\nM\u0101jok\u013ca kred\u012bta pirmajai iemaksai j\u0101kr\u0101j 23,6 m\u0113ne\u0161us - REALAT.lv<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"M\u0101jok\u013ca kred\u012bta pirmajai iemaksai j\u0101kr\u0101j 23,6 m\u0113ne\u0161us - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"\u0160\u0101 gada 2. ceturksn\u012b m\u0101jok\u013cu pieejam\u012bba R\u012bg\u0101 turpin\u0101jusi strauji uzlaboties, saglab\u0101jot l\u012bdera poz\u012bciju starp Baltijas valstu galvaspils\u0113t\u0101m, liecina Swedbank Baltijas M\u0101jok\u013cu pieejam\u012bbas indekss. 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