{"id":2011641,"date":"2019-02-12T11:14:16","date_gmt":"2019-02-12T09:14:16","guid":{"rendered":"https:\/\/www2.realat.lv\/lv\/?p=2011641"},"modified":"2019-02-12T11:46:02","modified_gmt":"2019-02-12T09:46:02","slug":"kas-ir-hipotekarais-kredits","status":"publish","type":"post","link":"https:\/\/www2.realat.lv\/lv\/dzivojamo-platibu-fonds\/kas-ir-hipotekarais-kredits\/","title":{"rendered":"Kas ir hipotek\u0101rais kred\u012bts?"},"content":{"rendered":"

<\/p>\n

Tu noteikti ne reizi vien esi dzird\u0113jis v\u0101rdu salikumu hipotek\u0101rais kred\u012bts. K\u0101dam t\u0101 ir iesp\u0113ja uzb\u016bv\u0113t sap\u0146u pili, bet k\u0101dam citam saremont\u0113t pilo\u0161o jumtu. Par \u0161o t\u0113mu var saklaus\u012bt da\u017e\u0101dus nost\u0101stus, t\u0101p\u0113c m\u0113\u0123in\u0101sim paskaidrot, kas tas \u012bsti ir, un ko tas \u0113d. Un vai visp\u0101r \u0113d?<\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

K\u0101diem m\u0113r\u0137iem var noform\u0113t\u00a0hipotek\u0101ro kred\u012btu?<\/h2>\n

Hipotek\u0101rais kred\u012bts ir ilgtermi\u0146a aizdevums tavam m\u0101joklim, \u0146emot par \u0137\u012blu nekustamo \u012bpa\u0161umu. Ar t\u0101 pal\u012bdz\u012bbu var\u0113si ieg\u0101d\u0101ties nekustamo \u012bpa\u0161umu, uzb\u016bv\u0113t m\u0101ju vai izremont\u0113t un labiek\u0101rtot jau eso\u0161u mitekli. Ja esi noskat\u012bjis ide\u0101lu zemes ple\u0137\u012bti \u0123imenes m\u0101jas, vasarn\u012bcas vai liel\u0101ka izm\u0113ra mazd\u0101rzi\u0146a iekop\u0161anai, bet gadu gait\u0101 t\u0101 ar\u012b nav san\u0101cis atlikt pietiekami daudz naudas, p\u0113c tr\u016bksto\u0161\u0101 finans\u0113juma vari v\u0113rsties pie bankas. Ar\u012b tad, ja esi mantojis pasakainu \u012bpa\u0161umu, bet pilnai idillei pietr\u016bkst vien nelielas gu\u013cb\u016bves m\u0101ji\u0146as, vari sa\u0146emt hipotek\u0101ro kred\u012btu t\u0101s b\u016bvniec\u012bbai. Un pat tad, ja ir gan savs st\u016br\u012btis, gan jumts virs galvas, vari sa\u0146emt finansi\u0101lu pal\u012bdz\u012bbu, lai beidzot saremont\u0113tu t\u0101s saplais\u0101ju\u0161\u0101s sienas un nomain\u012btu novecoju\u0161\u0101s padomju laika m\u0113beles.<\/p>\n

Kas var sa\u0146emt hipotek\u0101ro kred\u012btu?<\/h2>\n

Ja tu esi Latvijas rezidents (lasi: iedz\u012bvot\u0101js vecum\u0101 no 23 gadiem) un sp\u0113j pier\u0101d\u012bt, ka tev ir regul\u0101ri ien\u0101kumi, vari pretend\u0113t uz kred\u012bta sa\u0146em\u0161anu k\u0101dam no iepriek\u0161 min\u0113tajiem m\u0113r\u0137iem. \u0160eit tiek pieskait\u012bta ne tikai darba alga, bet ar\u012b ie\u0146\u0113mumi no iz\u012br\u0113ta \u012bpa\u0161uma, pabalsti un citi leg\u0101li g\u016bti ie\u0146\u0113mumi. Tiesa gan, ja ik m\u0113nesi vecm\u0101mi\u0146a tav\u0101 bankas kont\u0101 ieskaita nelielu izdz\u012bvo\u0161anas pabalstu (j\u0101, m\u0113s patie\u0161\u0101m las\u0101m nor\u0101d\u012bto inform\u0101ciju naudas p\u0101rskait\u012bjuma m\u0113r\u0137a lodzi\u0146\u0101), jo \u0161aj\u0101 dz\u012bves posm\u0101 esi nol\u0113mis dar\u012bt ko j\u0113dz\u012bg\u0101ku par algota darba dar\u012b\u0161anu, kred\u012bta sa\u0146em\u0161ana tev diem\u017e\u0113l ies secen.<\/p>\n

No k\u0101 atkar\u012bga kred\u012bta procentu likme?<\/h2>\n

P\u0113c kred\u012bta noform\u0113\u0161anas tev ik m\u0113nesi bankai b\u016bs j\u0101atmaks\u0101 noteikta naudas summa, t\u0101d\u0113j\u0101di pamaz\u0101m dz\u0113\u0161ot sa\u0146emto aizdevumu. Visiem kred\u012bt\u0146\u0113m\u0113jiem t\u0101 nav vien\u0101da, jo at\u0161\u0137iras gan kred\u012bta kop\u0113j\u0101 summa, gan ar\u012b atmaksas termi\u0146\u0161. Parasti procentu likmi veido divas da\u013cas. Nemain\u012bg\u0101 tiek noteikta katram klientam individu\u0101li, jo ir atkar\u012bga no kred\u012bt\u0146\u0113m\u0113ja ien\u0101kumiem, iepriek\u0161\u0113jo kred\u012btu maks\u0101jumu discipl\u012bnas (vai visu maks\u0101ji laikus?) un citiem individu\u0101liem faktoriem. Main\u012bg\u0101 b\u0101zes likme savuk\u0101rt ir tie\u0161i atkar\u012bga no situ\u0101cijas pasaules finan\u0161u tirgos un parasti main\u0101s reizi trijos vai se\u0161os m\u0113ne\u0161os.<\/p>\n

Kred\u012btmaks\u0101jumu apr\u0113\u0137in\u0101\u0161anai vari izv\u0113l\u0113ties ar\u012b fiks\u0113tu procentu likmi, kas noz\u012bm\u0113, ka ik m\u0113nesi atmaks\u0101si vien\u0101du naudas summu. \u0160\u0101d\u0101 gad\u012bjum\u0101 var\u0113si prec\u012bzi sapl\u0101not savus ikm\u0113ne\u0161a izdevumus, tom\u0113r \u0146em v\u0113r\u0101, ka \u0161\u0137irsies no liel\u0101kas naudas summas nek\u0101 tad, ja izv\u0113l\u0113tos main\u012bgo procentu likmi. Banka \u0161\u0101d\u0101 veid\u0101 nodro\u0161in\u0101s pret iesp\u0113jamiem riskiem, kas var rasties p\u0113k\u0161\u0146u un v\u0113r\u0101 \u0146emamu izmai\u0146u gad\u012bjum\u0101 finan\u0161u tirg\u016b.<\/p>\n

Ja kred\u012bta atmaksas laik\u0101 esi ticis uz za\u013c\u0101ka zara un vari atdot visu aizdevuma summu uzreiz, tu to dro\u0161i vari dar\u012bt. Banka tev nepiem\u0113ros papildus komisijas maksu.<\/p>\n

Vai past\u0101v k\u0101di riski?<\/h2>\n

Diem\u017e\u0113l \u0161aj\u0101 pasaul\u0113 nekas nest\u0101v uz vietas, t\u0101p\u0113c vienm\u0113r j\u0101r\u0113\u0137in\u0101s, ka kaut kas var noiet greizi. K\u0101 jebkur\u0161 cits kred\u012bts, ar\u012b hipotek\u0101rais kred\u012bts ir aizdevums, kas p\u0113c k\u0101da laika b\u016bs j\u0101atmaks\u0101. Ja esi saslimis un ilgsto\u0161i netiec uz k\u0101j\u0101m, vai k\u0101da iemesla d\u0113\u013c esi palicis bez darba, tev, visticam\u0101k, pietr\u016bks naudas, par ko segt ikm\u0113ne\u0161a kred\u012btmaks\u0101jumu. T\u0101pat var gad\u012bties, ka tavu izloloto \u012bpa\u0161umu skar ugunsgr\u0113ks, pl\u016bdi vai k\u0101da cita nelaime, k\u0101 rezult\u0101t\u0101 atkal j\u0101iegulda lieli finan\u0161u l\u012bdzek\u013ci, taj\u0101 pa\u0161\u0101 laik\u0101 turpinot bankai atmaks\u0101t aizdevumu. J\u0101piebilst, ka ar\u012b finan\u0161u tirgus norises nav akmen\u012b kaltas, t\u0101p\u0113c, pieaugot kred\u012bta likm\u0113m, gaid\u0101ms ar\u012b ikm\u0113ne\u0161a kred\u012btmaks\u0101jumu pieaugums.<\/p>\n

Lai sevi pasarg\u0101tu no \u0161\u0101d\u0101m un cita veida dz\u012bves likst\u0101m, noform\u0113jot kred\u012btu, iesp\u0113jams apdro\u0161in\u0101t kred\u012bt\u0146\u0113m\u0113ja un galvot\u0101ja dz\u012bv\u012bbu, kred\u012btmaks\u0101jumus un citus regul\u0101ros izdevumus, k\u0101 ar\u012b pa\u0161u nekustamo \u012bpa\u0161umu.<\/p>\n

Ko dar\u012bt, ja nevaru atdot kred\u012btu?<\/h2>\n

Ja nu tom\u0113r ir san\u0101cis t\u0101, ka p\u0113k\u0161\u0146i saproti \u2013 naudas nav un neb\u016bs \u2013, tev vienm\u0113r ir iesp\u0113ja p\u0101rdot nekustamo \u012bpa\u0161umu, lai dz\u0113stu kred\u012btu. Tev diem\u017e\u0113l n\u0101ksies atteikties no sava r\u016bp\u012bgi kaldin\u0101t\u0101 sap\u0146a, toties b\u016bsi nok\u0101rtojis visas saist\u012bbas ar banku un nakt\u012bs var\u0113si mier\u012bgi gul\u0113t.<\/p>\n

Ja finansi\u0101l\u0101s gr\u016bt\u012bbas ir \u012bslaic\u012bgas un esi piln\u012bgi p\u0101rliecin\u0101ts, ka dr\u012bz atkal viss b\u016bs k\u0101rt\u012bb\u0101, kred\u012bta maks\u0101jumu iesp\u0113jams atlikt uz v\u0113l\u0101ku laiku. Tas gan nenoz\u012bm\u0113, ka vari izmantot kred\u012btbr\u012bvdienas, lai aizbrauktu ce\u013cojum\u0101 vai iepirktu ap\u0123\u0113rbu no dizaineru jaun\u0101kaj\u0101m kolekcij\u0101m. Ikm\u0113ne\u0161a regul\u0101ros maks\u0101jumus iesp\u0113jams atlikt tikai objekt\u012bvu iemeslu d\u0113\u013c, t\u0101p\u0113c pirms tam r\u016bp\u012bgi izv\u0113rt\u0113 savas maks\u0101tsp\u0113jas mazin\u0101\u0161an\u0101s iemeslus.<\/p>\n

 <\/p>\n

dzivenotiek.lv<\/p>\n

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Tu noteikti ne reizi vien esi dzird\u0113jis v\u0101rdu salikumu hipotek\u0101rais kred\u012bts. K\u0101dam t\u0101 ir iesp\u0113ja uzb\u016bv\u0113t sap\u0146u pili, bet k\u0101dam citam saremont\u0113t pilo\u0161o jumtu. Par \u0161o t\u0113mu var saklaus\u012bt da\u017e\u0101dus… <\/p>\n","protected":false},"author":2,"featured_media":2011642,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,35],"tags":[],"class_list":["post-2011641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dzivojamo-platibu-fonds","category-zina"],"yoast_head":"\nKas ir hipotek\u0101rais kred\u012bts? - 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=\"Kas ir hipotek\u0101rais kred\u012bts? - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"Tu noteikti ne reizi vien esi dzird\u0113jis v\u0101rdu salikumu hipotek\u0101rais kred\u012bts. 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K\u0101dam t\u0101 ir iesp\u0113ja uzb\u016bv\u0113t sap\u0146u pili, bet k\u0101dam citam saremont\u0113t pilo\u0161o jumtu. 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