{"id":2048406,"date":"2025-09-25T11:17:27","date_gmt":"2025-09-25T08:17:27","guid":{"rendered":"https:\/\/www2.realat.lv\/lv\/?p=2048406"},"modified":"2025-11-04T17:01:38","modified_gmt":"2025-11-04T15:01:38","slug":"hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli","status":"publish","type":"post","link":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/","title":{"rendered":"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli?"},"content":{"rendered":"<p><\/p>\n<p><span style=\"font-weight: 400;\">Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija <\/span>\u201cAltum\u201d<span style=\"font-weight: 400;\"> sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0<\/span><\/p>\n<h2><b>K\u0101 darbojas hipotek\u0101rais kred\u012bts Latvij\u0101?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Hipotek\u0101rais kred\u012bts ir bankas aizdevums, ko izmanto m\u0101jok\u013ca ieg\u0101dei, b\u016bvniec\u012bbai vai remontam. Kred\u012bts tiek nodro\u0161in\u0101ts ar ieg\u0101d\u0101to \u012bpa\u0161umu k\u0101 \u0137\u012blu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At\u0161\u0137ir\u012bb\u0101 no klasisk\u0101 mode\u013ca, kur j\u0101iemaks\u0101 vismaz 20% no m\u0101jok\u013ca cenas, ar <\/span>Altum garantiju<span style=\"font-weight: 400;\"> jaun\u0101m \u0123imen\u0113m ar b\u0113rniem un jaunajiem speci\u0101listiem pirm\u0101 iemaksa var b\u016bt tikai 5%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Piem\u0113rs: ja dz\u012bvoklis maks\u0101 100 000 \u20ac, tad parastaj\u0101 gad\u012bjum\u0101 b\u016btu j\u0101iemaks\u0101 20 000 \u20ac. Ar valsts garantiju pirm\u0101 iemaksa var b\u016bt vien 5 000 \u20ac, kas daudziem padara m\u0101jok\u013ca ieg\u0101di re\u0101l\u0101ku.<\/span><\/p>\n<h2><b>Kas var sa\u0146emt valsts garantiju?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Garantijas pieejamas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0123imen\u0113m ar b\u0113rniem (par katru b\u0113rnu garantijas apm\u0113rs palielin\u0101s),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jaunajiem speci\u0101listiem l\u012bdz 35 gadu vecumam,<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li aria-level=\"1\">m\u0101jok\u013cu garantija \u0123imen\u0113m ar b\u0113rniem,<\/li>\n<li aria-level=\"1\">m\u0101jok\u013cu garantija NBS karav\u012briem,<\/li>\n<li aria-level=\"1\">balsts subs\u012bdija daudzb\u0113rnu \u0123imen\u0113m,<\/li>\n<li aria-level=\"1\">balsts subs\u012bdija \u0123imen\u0113m ar b\u0113rniem ar invalidit\u0101ti.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bankas, izv\u0113rt\u0113jot kred\u012bta pie\u0161\u0137ir\u0161anu, skat\u0101s uz taviem ien\u0101kumiem, kred\u012btv\u0113sturi un <\/span>par\u0101dsaist\u012bbu \u012bpatsvaru pret ien\u0101kumiem<span style=\"font-weight: 400;\">. Par labv\u0113l\u012bgu tiek uzskat\u012bts, ja ikm\u0113ne\u0161a maks\u0101jumi nep\u0101rsniedz 40% no ien\u0101kumiem.<\/span><\/p>\n<h2><b>K\u0101di ir nosac\u012bjumi m\u0101joklim?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u012apa\u0161umam, kas ieg\u0101d\u0101ts ar kred\u012btu, ir j\u0101atbilst dro\u0161uma un kvalit\u0101tes pras\u012bb\u0101m. Bankas piev\u0113rs\u012bs uzman\u012bbu:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vai \u012bpa\u0161ums ir lab\u0101 tehnisk\u0101 st\u0101vokl\u012b,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vai tam ir juridiski sak\u0101rtots \u012bpa\u0161uma statuss,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vai nav b\u016btisku tehnisku vai tiesisku risku (piem\u0113ram, nelikum\u012bgas p\u0101rb\u016bves).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2><b>Papildu izmaksas<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Bez pirm\u0101s iemaksas j\u0101r\u0113\u0137in\u0101s ar:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">bankas komisijas maksu par kred\u012bta izsnieg\u0161anu,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u012bpa\u0161uma v\u0113rt\u0113juma izmaks\u0101m,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">not\u0101ra un Zemesgr\u0101matas nodev\u0101m.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kopum\u0101 papildu izmaksas var sasniegt 2\u20136% no \u012bpa\u0161uma cenas.<\/span><\/p>\n<h2><b>K\u0101 sagatavoties pieteikumam?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Lai pa\u0101trin\u0101tu kred\u012bta noform\u0113\u0161anu, sagatavo:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ien\u0101kumus apliecino\u0161us dokumentus (algas izzi\u0146as, konta p\u0101rskatus),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">inform\u0101ciju par eso\u0161\u0101m kred\u012btsaist\u012bb\u0101m,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u012bpa\u0161uma v\u0113rt\u0113jumu.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Parasti kred\u012bta pie\u0161\u0137ir\u0161anas process ilgst no 2 l\u012bdz 6 ned\u0113\u013c\u0101m, atkar\u012bb\u0101 no bankas un dokumentu gatav\u012bbas.<\/span><\/p>\n<p>Ja v\u0113lies sa\u0146emt lab\u0101kus nosac\u012bjumus hipotek\u0101r\u0101 kred\u012bta pie\u0161\u0137ir\u0161an\u0101 un profesion\u0101lu konsult\u0101ciju, sazinies ar <a href=\"https:\/\/www2.realat.lv\/lv\/komanda\/\">Realat komandu<\/a>.\u00a0<\/p>\n<div class=\"center-block\"><h2 class=\"center osLight pt20\" style=\"color:#9D9FA2;font-size:30px;\">Atsauksmes no  m\u016bsu klientiem<\/h2><div class=\"underline\"><img decoding=\"async\" src=\"https:\/\/www.www2.realat.lv\/wp-content\/themes\/realeswp\/images\/line.png\"\/><\/div><div class=\"row pb40\"><div id=\"home-testimonials\" class=\"carousel slide carousel-wb mb20\" data-ride=\"carousel\"><ol class=\"carousel-indicators\"><li data-target=\"#home-testimonials\" data-slide-to=\"0\"class=\"active\" ><\/li><li data-target=\"#home-testimonials\" data-slide-to=\"1\" ><\/li><li data-target=\"#home-testimonials\" data-slide-to=\"2\" ><\/li><\/ol><div class=\"carousel-inner\" style=\"padding-left:20px;padding-right:20px;height:100px\"><div class=\"item active\"><div style=\"background-size:100px;position:absolute;background-image:url(https:\/\/www2.realat.lv\/wp-content\/themes\/realeswp\/images\/avatar.png);background-position:center;background-repeat:no-repeat;\"><img decoding=\"async\" src=\"https:\/\/www2.realat.lv\/wp-content\/themes\/realeswp\/images\/big_agent_frame.png\" alt=\"Yevhen Duma\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">M\u0113s v\u0113lamies izteikt lielu pateic\u012bbu REALAT nekustamo \u012bpa\u0161umu dar\u012bjumu ekspertam Rolandam Up\u012btim par lieliski paveikto darbu. M\u0113s bij\u0101m \u013coti apmierin\u0101ti ar j\u016bsu sniegto profesion\u0101lo un komp\u0101nijas atbalstu. K\u0101 rezult\u0101t\u0101 darbs kop\u0101 ar jums, m\u016bsu jaun\u0101&hellip; <strong><a class=\"read-more\" href=\"https:\/\/www2.realat.lv\/lv\/atsauksmes\/yevhen-duma\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">Yevhen Duma<\/div><\/div><\/div><div class=\"item\"><div style=\"background-size:100px;position:absolute;background-image:url(https:\/\/www2.realat.lv\/wp-content\/themes\/realeswp\/images\/avatar.png);background-position:center;background-repeat:no-repeat;\"><img decoding=\"async\" src=\"https:\/\/www2.realat.lv\/wp-content\/themes\/realeswp\/images\/big_agent_frame.png\" alt=\"Izolde Franka\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">Milz\u012bgs paldies L\u012aGAI UP\u012aTEI par profesion\u0101li padar\u012btu darbu un pretimn\u0101k\u0161anu vis\u0101 dar\u012bjuma nosl\u0113g\u0161anas gait\u0101. Nopirk\u0101m dz\u012bvokli, kas tika vair\u0101kas reizes izr\u0101d\u012bts \u0113rtaj\u0101 mums laik\u0101 (ar\u012b br\u012bvdien\u0101s), L\u012bga paciet\u012bgi atbild\u0113ja uz visiem m\u016bsu jaut\u0101jumiem (to bija&hellip; <strong><a class=\"read-more\" href=\"https:\/\/www2.realat.lv\/lv\/atsauksmes\/izolde-franka\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">Izolde Franka<\/div><\/div><\/div><div class=\"item\"><div style=\"background-size:auto 100%;position:absolute;background-image:url(https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/unnamed.png);background-position:center;background-repeat:no-repeat;\"><img decoding=\"async\" src=\"https:\/\/www2.realat.lv\/wp-content\/themes\/realeswp\/images\/big_agent_frame.png\" alt=\"D\u0101vis Ozols\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">Paldies Zandai Kupcei par nenov\u0113rt\u0113jamu ieguld\u012bjumu par dz\u012bvok\u013ca ieg\u0101di Siguld\u0101.Mana pieredze sadarb\u012bb\u0101 ar nekustam\u0101 \u012bpa\u0161uma m\u0101kleri Zandu Kupci ir bijusi \u013coti pozit\u012bva. Ar vi\u0146as pal\u012bdz\u012bbu esmu veiksm\u012bgi ieg\u0101d\u0101jies vienu nekustamo \u012bpa\u0161umu, un vis\u0101 proces\u0101 jutos&hellip; <strong><a class=\"read-more\" href=\"https:\/\/www2.realat.lv\/lv\/atsauksmes\/davis-ozols\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">D\u0101vis Ozols<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m&#8230;. <\/p>\n","protected":false},"author":223337,"featured_media":2048407,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2048406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategorijas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv<\/title>\n<meta name=\"description\" content=\"Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0\" \/>\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=\"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"{:lv}Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0{:}\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png\" \/>\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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c\"},\"headline\":\"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli?\",\"datePublished\":\"2025-09-25T08:17:27+00:00\",\"dateModified\":\"2025-11-04T15:01:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\"},\"wordCount\":562,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png\",\"articleSection\":[\"Bez kategorijas\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\",\"url\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\",\"name\":\"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv\",\"isPartOf\":{\"@id\":\"https:\/\/www2.realat.lv\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png\",\"datePublished\":\"2025-09-25T08:17:27+00:00\",\"dateModified\":\"2025-11-04T15:01:38+00:00\",\"author\":{\"@id\":\"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c\"},\"description\":\"{:lv}Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0{:}\",\"breadcrumb\":{\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#breadcrumb\"},\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage\",\"url\":\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png\",\"contentUrl\":\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png\",\"width\":1023,\"height\":658},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www2.realat.lv\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www2.realat.lv\/en\/#website\",\"url\":\"https:\/\/www2.realat.lv\/en\/\",\"name\":\"REALAT.lv\",\"description\":\"Nekustamie \u012bpa\u0161umi, iz\u012br\u0113, iznom\u0101 un p\u0101rdod, dz\u012bvok\u013ci, m\u0101jas, zemes, komerc\u012bpa\u0161umi, invest\u012bciju projekti, starpniec\u012bbas pakalpojumi.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www2.realat.lv\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lv-LV\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c\",\"name\":\"administrator\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b311fea3ac2036b28e911a2e73019a77cc1a42bafb0157d5596f3b22749bba0e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b311fea3ac2036b28e911a2e73019a77cc1a42bafb0157d5596f3b22749bba0e?s=96&d=mm&r=g\",\"caption\":\"administrator\"},\"url\":\"https:\/\/www2.realat.lv\/lv\/author\/administrator\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv","description":"Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0","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":"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv","twitter_description":"{:lv}Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0{:}","twitter_image":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png","twitter_misc":{"Written by":"administrator","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#article","isPartOf":{"@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/"},"author":{"name":"administrator","@id":"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c"},"headline":"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli?","datePublished":"2025-09-25T08:17:27+00:00","dateModified":"2025-11-04T15:01:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/"},"wordCount":562,"commentCount":0,"image":{"@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage"},"thumbnailUrl":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png","articleSection":["Bez kategorijas"],"inLanguage":"lv-LV","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/","url":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/","name":"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv","isPartOf":{"@id":"https:\/\/www2.realat.lv\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage"},"image":{"@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage"},"thumbnailUrl":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png","datePublished":"2025-09-25T08:17:27+00:00","dateModified":"2025-11-04T15:01:38+00:00","author":{"@id":"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c"},"description":"{:lv}Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0{:}","breadcrumb":{"@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#breadcrumb"},"inLanguage":"lv-LV","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/"]}]},{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage","url":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png","contentUrl":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png","width":1023,"height":658},{"@type":"BreadcrumbList","@id":"https:\/\/www2.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www2.realat.lv\/en\/"},{"@type":"ListItem","position":2,"name":"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli?"}]},{"@type":"WebSite","@id":"https:\/\/www2.realat.lv\/en\/#website","url":"https:\/\/www2.realat.lv\/en\/","name":"REALAT.lv","description":"Nekustamie \u012bpa\u0161umi, iz\u012br\u0113, iznom\u0101 un p\u0101rdod, dz\u012bvok\u013ci, m\u0101jas, zemes, komerc\u012bpa\u0161umi, invest\u012bciju projekti, starpniec\u012bbas pakalpojumi.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www2.realat.lv\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lv-LV"},{"@type":"Person","@id":"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/a834d6d95c96bcfe33e33592e37dcf5c","name":"administrator","image":{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b311fea3ac2036b28e911a2e73019a77cc1a42bafb0157d5596f3b22749bba0e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b311fea3ac2036b28e911a2e73019a77cc1a42bafb0157d5596f3b22749bba0e?s=96&d=mm&r=g","caption":"administrator"},"url":"https:\/\/www2.realat.lv\/lv\/author\/administrator\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/posts\/2048406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/users\/223337"}],"replies":[{"embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/comments?post=2048406"}],"version-history":[{"count":0,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/posts\/2048406\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/media\/2048407"}],"wp:attachment":[{"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/media?parent=2048406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/categories?post=2048406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/tags?post=2048406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}