![\"\"](\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/06\/Pirmaja-ceturksni-izsniegto-hipotekaro-kreditu-apjoms-pieaudzis1-300x300.png\")
<\/a><\/p>\n“SEB” bankas Priv\u0101tpersonu finans\u0113\u0161anas p\u0101rvaldes vad\u012bt\u0101js M\u0101ris Opinc\u0101ns st\u0101st\u012bja: “Nekustam\u0101 \u012bpa\u0161uma tirgus ir diezgan akt\u012bvs, un klienti drosm\u012bg\u0101k, var teikt, uz\u0146emas kred\u012btsaist\u012bbas, jo t\u0101 procentu likme, kas bija klientu ikdienu visvair\u0101k ietekm\u0113jo\u0161ais faktors, k\u0101 ar\u012b neskaidr\u012bba, cik augstu “Euribor” var k\u0101pt, tad Eiropas Centr\u0101l\u0101s bankas pazi\u0146ojums, ka \u0161\u012b likme tiks samazin\u0101ta, un t\u0101 ar\u012b mazin\u0101s, b\u016btiski ietekm\u0113 ar\u012b saist\u012bbu uz\u0146em\u0161anos un nekustam\u0101 \u012bpa\u0161uma ieg\u0101di.”<\/p>\n
Opinc\u0101ns atg\u0101din\u0101ja, ka v\u0113l pirms desmit gadiem main\u012bg\u0101 “Euribor” likme bija negat\u012bva, kas kred\u012btus neietekm\u0113ja nemaz, savuk\u0101rt pirms pusotra gada \u0161\u012b likme tika k\u0101pin\u0101ta l\u012bdz \u010detriem procentiem. Tagad, kad t\u0101 divas reizes nokritusies, uz vid\u0113jiem 50 000 eiro 20 gadu kred\u012btiem ikm\u0113ne\u0161a ietekme ir ap 40 eiro. Daudzi klienti gan v\u0113r\u0161as bank\u0101 ar\u012b ar aicin\u0101jumu samazin\u0101t bankas pievienoto likmi, kuras ietekmi “SEB” bankas eksperts Opinc\u0101ns d\u0113v\u0113ja par neb\u016btisku.<\/p>\n
“Ar\u012b Latvijas Banka proakt\u012bvi reklam\u0113ja par likmes vid\u0113jo temperat\u016bru un refinans\u0113\u0161anas atviegloto k\u0101rt\u012bbu. Bet es teiktu, ka birokr\u0101tiski \u0161\u012b k\u0101rt\u012bba atvieglota nav. Tas, ka klientam ir iesp\u0113ja bez maksas refinans\u0113ties, rad\u012bja klientos interesi p\u0101rskat\u012bt \u0161\u012bs likmes. Bet Latvijas Bankas aktivit\u0101te tika rad\u012bta m\u0101ksl\u012bga,” atz\u012bm\u0113ja Opinc\u0101ns.<\/p>\n
Straujais klientu piepl\u016bdums paraliz\u0113jis “SEB” bankas darbu, iesniegumu izskat\u012b\u0161anas termi\u0146am izaugot l\u012bdz div\u0101m ned\u0113\u013c\u0101m. Ta\u010du maz\u0101ku maks\u0101jumu grib\u0113t\u0101ji nereti esot v\u012blu\u0161ies.<\/p>\n
Opinc\u0101ns sac\u012bja: “Mums atn\u0101k klients ar 2000 eiro kred\u012bta atlikumu, vi\u0146am paliku\u0161i divi gadi kred\u012btmaks\u0101jums, un vi\u0146\u0161 saka: es v\u0113l\u0113tos samazin\u0101t likmi. Bet tas absol\u016btais ieguvums ir p\u0101ris centi \u0161aj\u0101 br\u012bd\u012b. Vienk\u0101r\u0161i rakstot iesniegumus, vi\u0146i rad\u012bja \u0161o slodzi, kuru m\u0113s var\u0113j\u0101m izmantot produkt\u012bv\u0101k\u0101 jaunas naudas finans\u0113jum\u0101.”<\/p>\n
“Luminor” bankas m\u0101jok\u013cu kredit\u0113\u0161anas vad\u012bt\u0101js Kaspars Sausais st\u0101st\u012bja, ka gada s\u0101kum\u0101 klientu interese par kred\u012btiem jauniem m\u0101jok\u013ciem un ar\u012b izsniegto kred\u012btu apjoms ir teju dubultojies. Maij\u0101 dar\u012bjumu bijis par 60 procentiem vair\u0101k nek\u0101 maij\u0101 pirms gada.<\/p>\n
“Redzam, ka tas apjoms no pieteikumiem, ko m\u0113s sa\u0146emam, un parakst\u012btajiem l\u012bgumiem, saglab\u0101jas l\u012bdzv\u0113rt\u012bg\u0101 apjom\u0101 visa gada garum\u0101. Ja m\u0113s sa\u0146emam liel\u0101ku klientu interesi, pieteikumus uz jaunajiem hipotek\u0101rajiem kred\u012btiem, tad princip\u0101 ar\u012b parakst\u012bto l\u012bgumu skaits pieaug, proti, m\u0113s, palielinoties klientu interesei par jauniem m\u0101jok\u013cu kred\u012btiem, ar\u012b vair\u0101k vi\u0146us izsniedzam\u00a0un pal\u012bdzam klientiem realiz\u0113t savas ieceres,” pauda Sausais.\u00a0<\/p>\n
Vai kredit\u0113\u0161anas straujo k\u0101pumu nav ietekm\u0113jis Saeimas l\u0113mums par jauno t\u0101 saukto solidarit\u0101tes nodokli, kas ieviests no \u0161\u0101 gada un ar ko valsts bud\u017eetu cer papildin\u0101t par gandr\u012bz 100 miljoniem eiro? Iemaksas bank\u0101m noteica, lai t\u0101s dal\u012btos ar gigantisko pe\u013c\u0146u, ko t\u0101m atnesis nevis pa\u0161u darbs, bet Eiropas bankas strauji audz\u0113t\u0101s procentlikmes. Tom\u0113r visas bankas atbild l\u012bdz\u012bgi noraido\u0161i.<\/p>\n
“N\u0113, m\u0113s \u0161eit redzam tie\u0161\u0101 veid\u0101 ietekmi no pieaugo\u0161u klientu intereses,” sac\u012bja “Luminor” p\u0101rst\u0101vis.<\/p>\n
Ar\u012b “Swedbank” Hipotek\u0101r\u0101s kredit\u0113\u0161anas jomas vad\u012bt\u0101js Normunds D\u016bcis klientu skaita pieaugumu skaidroja ar procentlikmju samazin\u0101\u0161anu. Savuk\u0101rt rindas ar servisu esot radu\u0161\u0101s, jo daudzi, kas kred\u012btus jau ieguvu\u0161i,\u00a0esot p\u0101rpratu\u0161i medijos v\u0113st\u012bto un nereti pras\u012bju\u0161i p\u0101rskat\u012bt likmes, lai gan beig\u0101s sa\u0146\u0113mu\u0161i atteikumus. Jaunais nodoklis bankas d\u0101snumu neesot ietekm\u0113jis.<\/p>\n
“Bankas interese vienm\u0113r ir bijusi augsta izsniegt arvien vair\u0101k hipotek\u0101ros kred\u012btos. V\u0113l jo vair\u0101k \u0146emot v\u0113r\u0101, ka sal\u012bdzin\u0101jum\u0101 ar Baltijas valst\u012bm Latvij\u0101 m\u0101jok\u013cu tirgus vienm\u0113r ir bijis visgaus\u0101kais. L\u012bdz ar to vis\u0101m bank\u0101m apet\u012bte izsniegt aizdevumus m\u0101jok\u013cu ieg\u0101dei un b\u016bvniec\u012bbai vienm\u0113r ir bijusi \u013coti, \u013coti augsta. Es neteiktu, ka kaut k\u0101d\u0101 veid\u0101 b\u016btu main\u012bju\u0161ies kred\u012btu pie\u0161\u0137ir\u0161anas standarti no banku puses,” sac\u012bja D\u016bcis.\u00a0<\/p>\n
Eksperti iepriek\u0161 l\u0113sa, ka bankas no solidarit\u0101tes iemaks\u0101m var\u0113tu atbr\u012bvot, ja t\u0101s savus kred\u012btportfe\u013cus audz\u0113s par 13%. Prognozes r\u0101da, ka Eiropas banka likmes mazin\u0101s v\u0113lreiz, t\u0101d\u0113j\u0101di var pie\u013caut, ka kredit\u0113\u0161ana turpin\u0101s augt.<\/p>\n
www.lsm.lv<\/p>\n
P\u0101rdod nekustamo \u012bpa\u0161umu<\/a><\/p>\n<\/p>","protected":false},"excerpt":{"rendered":"
Tre\u0161dien st\u0101jas sp\u0113k\u0101 jaun\u0101s procentu likmes, ko Eiropas Centr\u0101l\u0101 banka (ECB) p\u0113d\u0113j\u0101 s\u0113d\u0113 k\u0101rt\u0113jo reizi samazin\u0101ja par 0,25 procentpunktiem. L\u012bdz ar ECB l\u0113mumu l\u012bdz 2% samazin\u0101jusies ar\u012b “Euribor” likme, kas… <\/p>\n","protected":false},"author":223337,"featured_media":2048190,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2048189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"\n
M\u0101jok\u013cu kredit\u0113\u0161an\u0101 rekordi - REALAT.lv<\/title>\n<meta name=\"description\" content=\"Tre\u0161dien st\u0101jas sp\u0113k\u0101 jaun\u0101s procentu likmes, ko Eiropas Centr\u0101l\u0101 banka (ECB) p\u0113d\u0113j\u0101 s\u0113d\u0113 k\u0101rt\u0113jo reizi samazin\u0101ja par 0,25 procentpunktiem. L\u012bdz ar ECB l\u0113mumu l\u012bdz 2% samazin\u0101jusies ar\u012b "Euribor" likme, kas tie\u0161\u0101 veid\u0101 ietekm\u0113 kred\u012bt\u0146\u0113m\u0113jus. Un piepras\u012bjums p\u0113c m\u0101jok\u013cu kred\u012btiem turpina strauji palielin\u0101ties, sasniedzot rekordus. Banku speci\u0101listi apgalvoja, ka hipotek\u0101r\u0101 kredit\u0113\u0161ana atdz\u012bvojusies tie\u0161i zemo procentlikmju d\u0113\u013c, nevis t\u0101p\u0113c, ka no \u0161\u0101 gada bank\u0101m uzlikts jauns nodoklis, no k\u0101 var izvair\u012bties, b\u016btiski k\u0101pinot kredit\u0113\u0161anas tempus.\" \/>\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\u013cu kredit\u0113\u0161an\u0101 rekordi - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"{:lv}Tre\u0161dien st\u0101jas sp\u0113k\u0101 jaun\u0101s procentu likmes, ko Eiropas Centr\u0101l\u0101 banka (ECB) p\u0113d\u0113j\u0101 s\u0113d\u0113 k\u0101rt\u0113jo reizi samazin\u0101ja par 0,25 procentpunktiem. L\u012bdz ar ECB l\u0113mumu l\u012bdz 2% samazin\u0101jusies ar\u012b "Euribor" likme, kas tie\u0161\u0101 veid\u0101 ietekm\u0113 kred\u012bt\u0146\u0113m\u0113jus. Un piepras\u012bjums p\u0113c m\u0101jok\u013cu kred\u012btiem turpina strauji palielin\u0101ties, sasniedzot rekordus. Banku speci\u0101listi apgalvoja, ka hipotek\u0101r\u0101 kredit\u0113\u0161ana atdz\u012bvojusies tie\u0161i zemo procentlikmju d\u0113\u013c, nevis t\u0101p\u0113c, ka no \u0161\u0101 gada bank\u0101m uzlikts jauns nodoklis, no k\u0101 var izvair\u012bties, b\u016btiski k\u0101pinot kredit\u0113\u0161anas tempus.{:}\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/06\/Realat-majoklu-kreditesana-rekordi.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c\"},\"headline\":\"M\u0101jok\u013cu kredit\u0113\u0161an\u0101 rekordi\",\"datePublished\":\"2025-06-11T13:04:15+00:00\",\"dateModified\":\"2025-07-24T06:41:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/\"},\"wordCount\":958,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/06\/Realat-majoklu-kreditesana-rekordi.jpg\",\"articleSection\":[\"ZI\u0145AS\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/\",\"url\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/\",\"name\":\"M\u0101jok\u013cu kredit\u0113\u0161an\u0101 rekordi - REALAT.lv\",\"isPartOf\":{\"@id\":\"https:\/\/www2.realat.lv\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/zina\/majoklu-kreditesana-rekordi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/06\/Realat-majoklu-kreditesana-rekordi.jpg\",\"datePublished\":\"2025-06-11T13:04:15+00:00\",\"dateModified\":\"2025-07-24T06:41:42+00:00\",\"author\":{\"@id\":\"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c\"},\"description\":\"{:lv}Tre\u0161dien st\u0101jas sp\u0113k\u0101 jaun\u0101s procentu likmes, ko Eiropas Centr\u0101l\u0101 banka (ECB) p\u0113d\u0113j\u0101 s\u0113d\u0113 k\u0101rt\u0113jo reizi samazin\u0101ja par 0,25 procentpunktiem. L\u012bdz ar ECB l\u0113mumu l\u012bdz 2% samazin\u0101jusies ar\u012b \\\"Euribor\\\" likme, kas tie\u0161\u0101 veid\u0101 ietekm\u0113 kred\u012bt\u0146\u0113m\u0113jus. Un piepras\u012bjums p\u0113c m\u0101jok\u013cu kred\u012btiem turpina strauji palielin\u0101ties, sasniedzot rekordus. 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L\u012bdz ar ECB l\u0113mumu l\u012bdz 2% samazin\u0101jusies ar\u012b \"Euribor\" likme, kas tie\u0161\u0101 veid\u0101 ietekm\u0113 kred\u012bt\u0146\u0113m\u0113jus. Un piepras\u012bjums p\u0113c m\u0101jok\u013cu kred\u012btiem turpina strauji palielin\u0101ties, sasniedzot rekordus. Banku speci\u0101listi apgalvoja, ka hipotek\u0101r\u0101 kredit\u0113\u0161ana atdz\u012bvojusies tie\u0161i zemo procentlikmju d\u0113\u013c, nevis t\u0101p\u0113c, ka no \u0161\u0101 gada bank\u0101m uzlikts jauns nodoklis, no k\u0101 var izvair\u012bties, b\u016btiski k\u0101pinot kredit\u0113\u0161anas tempus.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"twitter_card":"summary_large_image","twitter_title":"M\u0101jok\u013cu kredit\u0113\u0161an\u0101 rekordi - REALAT.lv","twitter_description":"{:lv}Tre\u0161dien st\u0101jas sp\u0113k\u0101 jaun\u0101s procentu likmes, ko Eiropas Centr\u0101l\u0101 banka (ECB) p\u0113d\u0113j\u0101 s\u0113d\u0113 k\u0101rt\u0113jo reizi samazin\u0101ja par 0,25 procentpunktiem. L\u012bdz ar ECB l\u0113mumu l\u012bdz 2% samazin\u0101jusies ar\u012b \"Euribor\" likme, kas tie\u0161\u0101 veid\u0101 ietekm\u0113 kred\u012bt\u0146\u0113m\u0113jus. Un piepras\u012bjums p\u0113c m\u0101jok\u013cu kred\u012btiem turpina strauji palielin\u0101ties, sasniedzot rekordus. 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