![\"intro\"](\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2018\/06\/intro.jpg\")
<\/a>Ja reiz pie\u0146emts tik nopietns l\u0113mums k\u0101 savas m\u0101jas vai dz\u012bvok\u013ca ieg\u0101de, katram no mums grib\u0113tos ieguld\u012bt laiku un naudu tikai t\u0101d\u0101 mitekl\u012b, ko dro\u0161i varam saukt par savu sap\u0146u pili. Kad p\u0113c ilgiem mekl\u0113jumiem tas izdodas, nereti n\u0101kas risin\u0101t da\u017e\u0101dus iepriek\u0161 neparedz\u0113tus jaut\u0101jumus.<\/strong><\/p>\nLai \u0161is posms b\u016btu viegl\u0101ks, pied\u0101v\u0101jam se\u0161us ieteikumus par to, k\u0101das juridisk\u0101s, finan\u0161u, vides un politisk\u0101s lietas \u0146emt v\u0113r\u0101 pirms un p\u0113c jaun\u0101 m\u0101jok\u013ca ieg\u0101des. \u00a0<\/p>\n
1) Ne\u0113rtie apgr\u016btin\u0101jumi<\/h4>\n
Ieg\u0101d\u0101joties m\u0101ju, vispirms j\u0101noskaidro, vai zemes gabalam, uz kura t\u0101 atrodas, nav k\u0101di apgr\u016btin\u0101jumi. Uzziniet, vai zeme visp\u0101r tiek p\u0101rdota. Iesp\u0113jams, t\u0101 tiek tikai iznom\u0101ta uz 99 gadiem. Ja t\u0101, zemes \u012bpa\u0161nieks jau p\u0113c da\u017eiem gadiem var iev\u0113rojami palielin\u0101t nomas maksu par zemi, un tas var b\u016btiski ietekm\u0113t kop\u0113j\u0101s m\u0101jok\u013ca uztur\u0113\u0161anas izmaksas.<\/p>\n
P\u0113rkot zemi, svar\u012bgi noskaidrot, vai uz \u0161\u012bs zemes at\u013cauts veikt b\u016bvniec\u012bbu un tie\u0161i k\u0101du \u2013 tas, ka tur ir uzcelta dz\u012bvojam\u0101 m\u0101ja, v\u0113l nenoz\u012bm\u0113, ka jums b\u016bs iesp\u0113ja blakus uzb\u016bv\u0113t pirti, saimniec\u012bbas \u0113ku vai viesu nami\u0146u. M\u0113dz b\u016bt, ka aizliegumi var b\u016bt noteikti ar\u012b pa\u0161ai m\u0101jai, piem\u0113ram, to nedr\u012bkst p\u0101rb\u016bv\u0113t vai pat remont\u0113t. \u0160\u0101du inform\u0101ciju jums sniegs viet\u0113j\u0101 pa\u0161vald\u012bb\u0101, zemesgr\u0101matu\u00a0 noda\u013c\u0101 vai Valsts zemes dienest\u0101.<\/p>\n<\/div>\n
Ne maz\u0101k b\u016btiski – vai \u012bpa\u0161um\u0101 nav veikta nesaska\u0146ota p\u0101rb\u016bve. Saska\u0146o\u0161ana p\u0113c tam var aiz\u0146emt daudz j\u016bsu laika, un tas var b\u016bt ar\u012b gana d\u0101rgi vai pat neiesp\u0113jami, ja ir nepiecie\u0161ama daudzdz\u012bvok\u013cu m\u0101jas iedz\u012bvot\u0101ju kopsapulce. Piem\u0113ram, nesaska\u0146oti apvienota dz\u012bvok\u013ca viesistaba ar lod\u017eiju var tikt trakt\u0113ta k\u0101 patva\u013c\u012bgi veiktas izmai\u0146as neso\u0161aj\u0101s konstrukcij\u0101s, kas var rad\u012bt probl\u0113mas ar b\u016bvvaldi, apdro\u0161in\u0101t\u0101jiem u. c.<\/p>\n
\u013boti r\u016bp\u012bga anal\u012bze j\u0101veic ar\u012b tad, ja tiek pirkta jaunb\u016bve. Svar\u012bgi noskaidrot, vai \u0113kas b\u016bvniec\u012bba veikta kvalitat\u012bvi, vai tai nav k\u0101du sl\u0113ptu defektu, vai b\u016bvniec\u012bba veikta p\u0113c projekta, vai ir sp\u0113k\u0101 eso\u0161a b\u016bvat\u013cauja, cik lielas b\u016bs re\u0101l\u0101s b\u016bvniec\u012bbas izmaksas, lai \u0113ku var\u0113tu pabeigt un nodot ekspluat\u0101cij\u0101 u. tml.<\/p>\n
2) Pien\u0101c\u012bgs nov\u0113rt\u0113jums<\/h4>\n
Lai cik \u013coti jums patiktu tikko apskat\u012btais nams, paturiet pr\u0101t\u0101, ka p\u0101rdev\u0113ja nor\u0101d\u012bt\u0101 m\u0101jok\u013ca cena var at\u0161\u0137irties no t\u0101 paties\u0101s tirgus v\u0113rt\u012bbas. T\u0101p\u0113c neaizmirstiet oblig\u0101ti nov\u0113rt\u0113t \u012bpa\u0161umu, kuru pl\u0101nojat ieg\u0101d\u0101ties. Tas pal\u012bdz\u0113s g\u016bt p\u0101rliec\u012bbu, ka samaks\u0101t\u0101 cena ir atbilsto\u0161a, turkl\u0101t v\u0113rt\u0113jums b\u016bs nepiecie\u0161ams ar\u012b bankai, pie\u0146emot l\u0113mumu par j\u016bsu hipotek\u0101ro aizdevumu. Nekustam\u0101 \u012bpa\u0161uma v\u0113rt\u0113\u0161anu veic sertific\u0113ti nekustam\u0101 \u012bpa\u0161uma v\u0113rt\u0113t\u0101ji. \u0160o servisu pied\u0101v\u0101 nekustamo \u012bpa\u0161umu dar\u012bjumu komp\u0101nijas, lab\u0101kos pakalpojuma sniedz\u0113jus zin\u0101s ieteikt ar\u012b j\u016bsu bank\u0101.<\/p>\n
3) Juridisk\u0101 un form\u0101l\u0101 k\u0101rt\u012bba<\/h4>\n
P\u0113c tam, kad ar banku parakst\u012bts hipotek\u0101r\u0101 kred\u012bta l\u012bgums, jums b\u016bs j\u0101paraksta l\u012bgums pie not\u0101ra. Ja j\u016bs nep\u0113rkat m\u0101ju viens pats, tas j\u0101paraksta ar\u012b j\u016bsu galvot\u0101jam. Not\u0101ru, pie kura k\u0101rtot \u012bpa\u0161uma ieg\u0101des dar\u012bjumu, varat br\u012bvi izv\u0113l\u0113ties kop\u0101 ar p\u0101rdev\u0113ju. Turkl\u0101t p\u0101rdev\u0113jam j\u0101b\u016bt inform\u0113tam par naudas p\u0101rskait\u012bjumu no bankas, un pirms not\u0101ra apmekl\u0113juma ieteicams vienoties, k\u0101da da\u013ca no not\u0101ra nodevas b\u016bs j\u0101maks\u0101 jums, k\u0101da \u2013 p\u0101rdev\u0113jam. Neaizmirstiet \u012bpa\u0161umu re\u0123istr\u0113t Zemesgr\u0101mat\u0101!<\/p>\n
Papildu dro\u0161\u012bbas garants gan pirc\u0113jam, gan p\u0101rdev\u0113jam ir bankas dar\u012bjuma konts, kur\u0101 pirc\u0113js veic savu iemaksu un banka iemaks\u0101 pie\u0161\u0137irt\u0101 kred\u012bta summu, kas p\u0101rdev\u0113jam tiek p\u0101rskait\u012bta tikai p\u0113c tam, kad m\u0101joklis ir p\u0101rre\u0123istr\u0113ts uz pirc\u0113ja v\u0101rda un dar\u012bjuma konta l\u012bgum\u0101 atrun\u0101tie nosac\u012bjumi ir izpild\u012bti.<\/p>\n<\/div>\n
Noteikti \u0146emiet v\u0113r\u0101, ka visas formalit\u0101tes pras\u012bs ar\u012b citus izdevumus \u2013 juridiskie dokumenti, to noform\u0113\u0161ana, valsts nodevas u. tml. Ja m\u0101jokli jums pal\u012bdz\u0113ja atrast starpnieks, b\u016bs j\u0101nor\u0113\u0137in\u0101s ar\u012b ar vi\u0146u. Iesp\u0113jams, ka izraudz\u012btajam m\u0101joklim ir iepriek\u0161 uzkr\u0101ju\u0161ies par\u0101di par komun\u0101lajiem maks\u0101jumiem, ar\u012b tie tagad b\u016bs j\u016bsu zi\u0146\u0101.<\/p>\n
4) Dro\u0161\u012bbas spilvens \u2013 apdro\u0161in\u0101\u0161ana<\/h4>\n
Pl\u0101nojot ikm\u0113ne\u0161a izdevumus, neaizmirstiet, ka kred\u012bta atmaksas period\u0101 jums vajadz\u0113s ieg\u0101d\u0101ties nekustam\u0101 \u012bpa\u0161uma apdro\u0161in\u0101\u0161anu. B\u016btiski zin\u0101t, ka ir re\u0123ioni, kas m\u0113dz regul\u0101ri appl\u016bst un kur apdro\u0161in\u0101\u0161anas komp\u0101nijas nereti \u012bpa\u0161umu apdro\u0161in\u0101\u0161anu atsaka. T\u0101p\u0113c, pirms ieg\u0101d\u0101ties m\u0101ju, svar\u012bgi savlaic\u012bgi noskaidrot \u2013 vai t\u0101 atrodas dro\u0161\u0101 teritorij\u0101 un vai to visp\u0101r ir iesp\u0113jams apdro\u0161in\u0101t. Bez apdro\u0161in\u0101\u0161anas neb\u016bs iesp\u0113jams sa\u0146emt ar\u012b kred\u012btu. Inform\u0101ciju par apdro\u0161in\u0101\u0161anas iesp\u0113j\u0101m sniegs jebkura apdro\u0161in\u0101\u0161anas komp\u0101nija, k\u0101 ar\u012b speci\u0101listi j\u016bsu bank\u0101.<\/p>\n
Iesak\u0101m izv\u0113l\u0113ties ar\u012b dro\u0161u\u00a0m\u0101jok\u013ca kred\u012bta apdro\u0161in\u0101\u0161anu<\/a> \u2013 tas pasarg\u0101s j\u016bs un j\u016bsu \u0123imeni, ja rad\u012bsies neparedz\u0113ts gad\u012bjums, piem\u0113ram, ilgsto\u0161a slim\u012bba, darba zaud\u0113\u0161ana vai pat kred\u012bta \u0146\u0113m\u0113ja n\u0101ve.<\/p>\n<\/div>\n Regul\u0101ra komun\u0101lo, elektr\u012bbas, interneta un mobil\u0101 t\u0101lru\u0146a r\u0113\u0137inu samaksa nodro\u0161in\u0101s jums labu kred\u012btv\u0113sturi un pal\u012bdz\u0113s m\u0101jok\u013ca ieg\u0101dei sa\u0146emt lab\u0101ku m\u0101jok\u013ca kred\u012bta<\/a> likmi un maks\u0101jumu nosac\u012bjumus. T\u0101p\u0113c svar\u012bgi, ka jebk\u0101das savas finansi\u0101l\u0101s saist\u012bbas l\u012bdz l\u0113mumam par kred\u012bta \u0146em\u0161anu m\u0101jok\u013ca ieg\u0101dei esat pild\u012bjis priek\u0161z\u012bm\u012bgi.<\/p>\n Ta\u010du ne maz\u0101k svar\u012bgi ir ar\u012b apr\u0113\u0137in\u0101t, k\u0101 izmain\u012bsies j\u016bsu ikm\u0113ne\u0161a r\u0113\u0137ini un maks\u0101jumi, dz\u012bvojot jaunaj\u0101 m\u0101j\u0101, \u2013 cik liels b\u016bs nekustam\u0101 \u012bpa\u0161uma nodoklis, k\u0101da b\u016bs apsaimnieko\u0161anas maksa, vai un cik b\u016bs j\u0101maks\u0101 par \u016bdens apg\u0101di un kanaliz\u0101ciju, k\u0101di b\u016bs citi komun\u0101lie maks\u0101jumi u.tml. K\u0101 main\u012bsies nor\u0113\u0137ini par internetu, ja b\u016bs j\u0101izv\u0113las cits pieg\u0101d\u0101t\u0101js? P\u0101rce\u013coties no daudzdz\u012bvok\u013cu nama uz priv\u0101tm\u0101ju, pa\u0161iem b\u016bs j\u0101organiz\u0113 ar\u012b atkritumu izve\u0161ana.<\/p>\n5) Finan\u0161u kontrole un n\u0101kotnes r\u0113\u0137ini<\/h4>\n