Viens no bie\u017e\u0101kajiem m\u0101jok\u013ca ieg\u0101des kav\u0113k\u013ciem ir nepietiekami iekr\u0101jumi pirmajai iemaksai, kad cilv\u0113ki ir iekr\u0101ju\u0161i p\u0101ris t\u016bksto\u0161us eiro un v\u0113las izmantot valsts atbalsta programmas. Minim\u0101l\u0101 pirm\u0101 iemaksa m\u0101jok\u013ca ieg\u0101dei ar Altum atbalstu ir 5-10% no \u012bpa\u0161uma kop\u0113j\u0101s summas vai 10-15%, ja veic personisko ieguld\u012bjumu bez valsts atbalsta. Veicot individu\u0101lus finans\u0113juma apr\u0113\u0137inus, var izr\u0101d\u012bties, ka iekr\u0101t\u0101s naudas daudzums tom\u0113r nav pietieko\u0161s pirmajai iemaksai. Bankas nov\u0113rojumi liecina, ka vid\u0113ji \u0123imenes pirmajai iemaksai ir iekr\u0101ju\u0161as l\u012bdz 5000 eiro un v\u0113las ieg\u0101d\u0101ties dz\u012bvokli jaunaj\u0101 projekt\u0101, kur \u012bpa\u0161uma cena ir ap 100 t\u016bksto\u0161iem eiro. Pat ar valsts sniegto garantiju \u0161aj\u0101 gad\u012bjum\u0101 5000 eiro ir minimums, kas klientam ir j\u0101iegulda pa\u0161am, turkl\u0101t j\u0101\u0146em v\u0113r\u0101, ka ieg\u0101des proces\u0101 ir ar\u012b citas saist\u012btas izmaksas.<\/p>\n<\/div>\n
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Ner\u0113\u0137in\u0101s ar vis\u0101m saist\u012btaj\u0101m izmaks\u0101m<\/strong><\/p>\n<\/div>\n\n
Pirms m\u0101jok\u013ca ieg\u0101des ieteicams konsult\u0113ties ar bankas speci\u0101listu, kur\u0161 pal\u012bdz\u0113s apr\u0113\u0137in\u0101t citas nepiecie\u0161am\u0101s izmaksas, piem\u0113ram, par \u012bpa\u0161umties\u012bbu nostiprin\u0101\u0161anu zemesgr\u0101mat\u0101 un not\u0101ra pakalpojumiem. T\u0101pat, iesp\u0113jams, b\u016bs nepiecie\u0161ami remonta vai m\u0101jok\u013ca labiek\u0101rto\u0161anas izdevumi. Ieteicams noskaidrot ar\u012b paredzamo komun\u0101lo maks\u0101jumu un \u012bpa\u0161uma nodok\u013cu apm\u0113rus, lai laikus zin\u0101tu, ar k\u0101diem ikm\u0113ne\u0161a izdevumiem b\u016bs j\u0101r\u0113\u0137in\u0101s.<\/p>\n<\/div>\n
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Neveic cenu izp\u0113ti<\/strong><\/p>\n<\/div>\n\n
Lai nep\u0101rmaks\u0101tu par noskat\u012bto m\u0101jokli, ieteicams veikt cenu izp\u0113ti, kas pal\u012bdz\u0113s noteikt, vai cena atbilst tirgus situ\u0101cijai un patiesajai \u012bpa\u0161uma v\u0113rt\u012bbai. To var izdar\u012bt, sal\u012bdzinot izv\u0113l\u0113t\u0101 m\u0101jok\u013ca cenu ar citu l\u012bdzv\u0113rt\u012bgu \u012bpa\u0161umu cen\u0101m, piem\u0113ram, m\u0101jaslap\u0101s cenubanka.lv, city24.lv vai ss.lv, k\u0101 ar\u012b p\u0101rbaudot pieejamos ofici\u0101los datus par v\u0113sturiskajiem dar\u012bjumiem ar konkr\u0113to \u012bpa\u0161umu un iepriek\u0161\u0113jiem \u012bpa\u0161niekiem vietn\u0113 zemesgramata.lv.<\/p>\n<\/div>\n
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Neizp\u0113ta m\u0101jok\u013ca juridisko statusu<\/strong><\/p>\n<\/div>\n\n
Izv\u0113loties savu pirmo m\u0101jokli, viens no svar\u012bg\u0101kajiem aspektiem ir \u012bpa\u0161uma juridiskais statuss. K\u0101 nor\u0101da Sausais, banka \u013coti r\u016bp\u012bgi v\u0113rt\u0113 \u012bpa\u0161uma juridisko statusu, un tikai tad, ja dokument\u0101cija ir k\u0101rt\u012bb\u0101, banka var pie\u0161\u0137irt klientam finans\u0113jumu. Piem\u0113ram, ja cilv\u0113ks ir izv\u0113l\u0113jies ieg\u0101d\u0101ties priv\u0101tm\u0101ju, ir svar\u012bgi p\u0101rliecin\u0101ties, vai m\u0101ja ir nodota ekspluat\u0101cij\u0101. Iesp\u0113jams, b\u016bvniec\u012bba nav veikta atbilsto\u0161i projektam, kas noz\u012bm\u0113, ka slikt\u0101kaj\u0101 scen\u0101rij\u0101 pa\u0161vald\u012bba var neakcept\u0113t nob\u012bdes no pl\u0101na un da\u013cu m\u0101jas var n\u0101kties p\u0101rb\u016bv\u0113t. Ar\u012b izv\u0113loties dz\u012bvokli, ir j\u0101noskaidro, vai taj\u0101 iepriek\u0161 nav veiktas p\u0101rb\u016bves un vai t\u0101s ir atbilsto\u0161i saska\u0146otas.<\/p>\n<\/div>\n
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Neapzin\u0101s savu sp\u0113ju atmaks\u0101t kred\u012btu<\/strong><\/p>\n<\/div>\n\n
Izv\u0113rt\u0113jot klienta kred\u012btsp\u0113ju, banka \u0146em v\u0113r\u0101 gan ien\u0101kumus, gan eso\u0161\u0101s kred\u012btsaist\u012bbas un kop\u0113jo m\u0101jsaimniec\u012bbas finan\u0161u slogu. Praks\u0113 nov\u0113rots, ka klienti ne vienm\u0113r apzin\u0101s visas savas saist\u012bbas. Piem\u0113ram, da\u017ek\u0101rt klienti nezina, ka kred\u012btkartes limits ar\u012b ir kred\u012btsaist\u012bbas, vai tas, ka klients jau ir galvot\u0101js k\u0101dam citam kred\u012btam, ar\u012b ietekm\u0113 maksim\u0101lo pieejamo kred\u012bta apm\u0113ru.<\/p>\n<\/div>\n
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Izv\u0113las \u012bpa\u0161umu ar zemu piepras\u012bjumu tirg\u016b.<\/strong><\/p>\n<\/div>\n\n
Nereti ieg\u0101d\u0101tais \u012bpa\u0161ums nav vien\u012bg\u0101 klienta dz\u012bvesvieta, t\u0101pat dz\u012bves laik\u0101 var main\u012bties ar\u012b pras\u012bbas un vajadz\u012bbas p\u0113c dz\u012bvojam\u0101s telpas. T\u0101d\u0113\u013c ieteicams uz \u012bpa\u0161umu paraudz\u012bties perspekt\u012bv\u0101 – vai p\u0113c 7-10 gadiem tam b\u016bs piepras\u012bjums tirg\u016b; k\u0101da izskat\u012bsies tuv\u0101k\u0101 apk\u0101rtne un apk\u0101rt\u0113j\u0101s teritorijas att\u012bst\u012bbas pl\u0101ni; k\u0101ds ir \u012bres tirgus l\u012bdz\u012bgiem m\u0101jok\u013ciem; vai nepiecie\u0161am\u012bbas gad\u012bjum\u0101 nekustamo \u012bpa\u0161umu var\u0113s iz\u012br\u0113t par summu, kas nosedz, piem\u0113ram, ikm\u0113ne\u0161a m\u0101jok\u013ca kred\u012bta maks\u0101jumu? \u012apa\u0161uma izv\u0113le viet\u0101, kur ir akt\u012bvs nekustam\u0101 \u012bpa\u0161uma tirgus, var kalpot par atbalstu sare\u017e\u0123\u012bjumu laik\u0101 vai ce\u013c\u0101 uz jaunu m\u0101jokli.<\/p>\n
vair\u0101k par rakstu lasi \u0161eit >>><\/a><\/p>\n<\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"
Cilv\u0113kiem, pirmo reizi ieg\u0101d\u0101joties savu \u012bpa\u0161umu, nereti pietr\u016bkst nepiecie\u0161amo zin\u0101\u0161anu un inform\u0101cijas, lai pie\u0146emtu p\u0101rdom\u0101tu un finansi\u0101li izdev\u012bgu l\u0113mumu par m\u0101jok\u013ca ieg\u0101di. Kas ir b\u016btisk\u0101kais, ko \u0146emt v\u0113r\u0101, lai dar\u012bjums… <\/p>\n","protected":false},"author":2,"featured_media":2033177,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58,35],"tags":[],"class_list":["post-2033176","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ieteikumi-rekomendacijas","category-zina"],"yoast_head":"\n
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