{"id":2048491,"date":"2025-11-03T15:42:16","date_gmt":"2025-11-03T13:42:16","guid":{"rendered":"https:\/\/www2.realat.lv\/lv\/?p=2048491"},"modified":"2025-11-03T17:05:45","modified_gmt":"2025-11-03T15:05:45","slug":"jauna-hipotekaras-kreditesanas-programma-majoklu-iegadei-regionos","status":"publish","type":"post","link":"https:\/\/www2.realat.lv\/lv\/zina\/jauna-hipotekaras-kreditesanas-programma-majoklu-iegadei-regionos\/","title":{"rendered":"Jauna hipotek\u0101r\u0101s kredit\u0113\u0161anas programma m\u0101jok\u013cu ieg\u0101dei re\u0123ionos"},"content":{"rendered":"

<\/p>\n

Hipotek\u0101rie kred\u012bti m\u0101jok\u013cu ieg\u0101dei re\u0123ionos k\u013c\u016bs pieejam\u0101ki \u2013 17. oktobr\u012b st\u0101jas sp\u0113k\u0101 jauna hipotek\u0101r\u0101s kredit\u0113\u0161anas programma, kas nodro\u0161in\u0101s hipotek\u0101ro aizdevumu pieejam\u012bbu fiziskaj\u0101m person\u0101m m\u0101jok\u013cu ieg\u0101dei re\u0123ionos. Pl\u0101nots, ka pieteik\u0161an\u0101s aizdevumiem jaunaj\u0101 programm\u0101 tiks atv\u0113rta jau \u0161\u012b gada oktobra beig\u0101s.
\nIzmai\u0146as paredz izstr\u0101d\u0101tie Ministru kabineta (MK) noteikumi Nr. 609\u00a0\u201cNoteikumi par aizdevumiem m\u0101jok\u013ca ieg\u0101dei re\u0123ionos\u201d.<\/p>\n

\"\"<\/a>Noteikumu anot\u0101cij\u0101 apkopot\u0101 inform\u0101cija liecina, ka jau vair\u0101kus gadus hipotek\u0101r\u0101s kredit\u0113\u0161anas aktivit\u0101te Latvij\u0101 ir zem\u0101k\u0101 eirozon\u0101. 2023.\u00a0gada beig\u0101s hipotek\u0101ro kred\u012btu kop\u0113jais apjoms bija tikai 12%\u00a0no Latvijas\u00a0IKP, kas ir tr\u012bs reizes maz\u0101k, nek\u0101 eirozonas vid\u0113jais r\u0101d\u012bt\u0101js \u2013\u00a036%.<\/p>\n

Secin\u0101ts, ka liel\u0101k\u0101 da\u013ca hipotek\u0101ro aizdevumu (~\u00a080%) tiek izsniegti R\u012bg\u0101 vai Pier\u012bg\u0101 un re\u0123ionos situ\u0101cija ir iev\u0113rojami slikt\u0101ka.<\/p>\n

Vienlaikus dati neapstiprina, ka hipotek\u0101ros kred\u012btus neizsniedz viet\u0101s ar zem\u0101ku ekonomisko aktivit\u0101ti. Piem\u0113ram, Valmier\u0101, Liep\u0101j\u0101 un Smilten\u0113, kur ir visai augsti ien\u0101kumi un zems bezdarbs, izsniegto hipotek\u0101ro aizdevumu apm\u0113rs ir \u013coti zems. L\u012bdz\u012bga situ\u0101cija v\u0113rojama ar\u012b cit\u0101s ekonomiski att\u012bst\u012btaj\u0101s pa\u0161vald\u012bb\u0101s.<\/p>\n

K\u0101 viens no iemesliem nepietiekamai m\u0101jok\u013cu kredit\u0113\u0161anai re\u0123ionos tiek min\u0113ta zem\u0101ka nekustamo \u012bpa\u0161umu v\u0113rt\u012bba, kas aizdev\u0113jiem nav izdev\u012bgi. T\u0101 viet\u0101 re\u0123ionos ir pieejami alternat\u012bvi aizdevumu veidi m\u0101jok\u013ca ieg\u0101dei ar \u012bs\u0101ku aizdevuma atmaksas termi\u0146u un divas vai tr\u012bs reizes augst\u0101k\u0101m aizdevumu procentu likm\u0113m.<\/p>\n

Lai mazin\u0101tu nepiln\u012bbas tirg\u016b un uzlabotu aizdevumu pieejam\u012bbu m\u0101jok\u013cu ieg\u0101dei re\u0123ionos, st\u0101jas sp\u0113k\u0101 jauna hipotek\u0101r\u0101s kredit\u0113\u0161anas programma, ko \u012bsteno akciju sabiedr\u012bba \u201cAtt\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d \u201d (turpm\u0101k \u2013 \u201cAltum\u201d).<\/p>\n

Aizdevuma apm\u0113rs m\u0101jok\u013ca ieg\u0101dei sasniegs 74 000 eiro<\/p>\n

MK noteikumi \u201cNoteikumi par aizdevumiem m\u0101jok\u013ca ieg\u0101dei re\u0123ionos\u201d paredz, ka jaunaj\u0101 hipotek\u0101raj\u0101 programm\u0101 aizdevumu m\u0101jok\u013ca ieg\u0101dei var\u0113s sa\u0146emt fizisk\u0101 persona, ja vi\u0146a:<\/p>\n

sasniegusi vismaz 18 gadu vecumu un uz aizdevuma gala atmaksas br\u012bdi nep\u0101rsniegs 65 gadu vecumu;
\nir Latvijas pilsonis, nepilsonis, Eiropas Savien\u012bbas dal\u012bbvalsts, Eiropas Ekonomikas zonas valsts vai \u0160veices Konfeder\u0101cijas pilsonis vai persona, kurai Latvij\u0101 pie\u0161\u0137irts bezvalstnieka statuss.<\/p>\n

Pie\u0161\u0137irot aizdevumu, tiks izv\u0113rt\u0113tas ar\u012b t\u0101 atmaks\u0101\u0161anas iesp\u0113jas, kas atbilst \u201cAltum\u201d\u00a0izstr\u0101d\u0101tajai kred\u012btpolitikai un citiem finans\u0113juma izsnieg\u0161anas nosac\u012bjumiem, tostarp \u0146emot v\u0113r\u0101 citu \u201cAltum\u201d\u00a0saisto\u0161u regul\u0113jumu un pras\u012bbas.<\/p>\n

Aizdevuma apm\u0113rs b\u016bs l\u012bdz 100 minim\u0101laj\u0101m m\u0113ne\u0161alg\u0101m jeb 74\u00a0000\u00a0eiro, savuk\u0101rt termi\u0146\u0161 \u2013 l\u012bdz 30\u00a0gadiem.<\/p>\n

Noteikumos nor\u0101d\u012bts, ka pretend\u0113t uz aizdevumu var\u0113s, ja m\u0101joklis atrodas k\u0101d\u0101 no min\u0113taj\u0101m administrat\u012bvaj\u0101m teritorij\u0101m: Aizkraukles\u00a0novad\u0101, Al\u016bksnes\u00a0novad\u0101, Aug\u0161daugavas\u00a0novad\u0101, Balvu\u00a0novad\u0101, Bauskas\u00a0novad\u0101, C\u0113su\u00a0novad\u0101, Daugavpils\u00a0valstspils\u0113tas pa\u0161vald\u012bb\u0101, Dobeles\u00a0novad\u0101, Dienvidkurzemes\u00a0novad\u0101, Gulbenes\u00a0novad\u0101, Jelgavas\u00a0novad\u0101, Jelgavas\u00a0valstspils\u0113tas pa\u0161vald\u012bb\u0101, J\u0113kabpils\u00a0novad\u0101, Kr\u0101slavas\u00a0novad\u0101, Kuld\u012bgas\u00a0novad\u0101, Liep\u0101jas\u00a0valstspils\u0113tas pa\u0161vald\u012bb\u0101, Limba\u017eu\u00a0novad\u0101, L\u012bv\u0101nu\u00a0novad\u0101, Ludzas\u00a0novad\u0101, Madonas\u00a0novad\u0101, Ogres\u00a0novad\u0101, Prei\u013cu\u00a0novad\u0101, R\u0113zeknes\u00a0novad\u0101, R\u0113zeknes\u00a0valstspils\u0113tas pa\u0161vald\u012bb\u0101, Saldus\u00a0novad\u0101, Saulkrastu\u00a0novad\u0101, Siguldas\u00a0novad\u0101, Smiltenes\u00a0novad\u0101, Talsu\u00a0novad\u0101, Tukuma\u00a0novad\u0101, Valkas\u00a0novad\u0101, Valmieras\u00a0novad\u0101, Ventspils\u00a0novad\u0101, Ventspils\u00a0valstspils\u0113tas pa\u0161vald\u012bb\u0101.<\/p>\n

 <\/p>\n

lvportals.lv<\/p>\n

 <\/p>\n

 <\/p>\n

Atsauksmes no m\u016bsu klientiem<\/h2>
<\/div>
  1. <\/li>
  2. <\/li>
  3. <\/li><\/ol>
    \"El\u012bna\"<\/div>
    Labs a\u0123ents, rekomend\u0113ju - izpal\u012bdz\u012bgs, laipns, \u0101tri un efekt\u012bvi atbild\u0113ja uz visiem jaut\u0101jumiem un tika gal\u0101 ar vis\u0101m neskaidr\u012bb\u0101m. Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    El\u012bna<\/div><\/div><\/div>
    \"Ina<\/div>
    M\u0113s izsak\u0101m lielu pateic\u012bbu Art\u016bram no REALAT real estate un augsti nov\u0113rt\u0113jam vi\u0146a profesion\u0101lo pal\u012bdz\u012bbu dz\u012bvok\u013ca ieg\u0101des procesos. Ar\u012b \u00a0v\u0113lamies atz\u012bm\u0113t Art\u016bra a\u0123enta profesion\u0101lismu, kompetenci un atsauc\u012bbu pie dar\u012bjuma mened\u017eamenta. Ar cie\u0146u Ina Spiridonova Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Ina Spiridonova<\/div><\/div><\/div>
    \"Sergey<\/div>
    \u0418\u043b\u0432\u0430\u0440\u0441, \u0441\u043f\u0430\u0441\u0438\u0431\u043e \u0431\u043e\u043b\u044c\u0448\u043e\u0435 \u0437\u0430 \u0432\u0430\u0448\u0443 \u043f\u043e\u043c\u043e\u0449\u044c \u0432 \u043f\u043e\u0438\u0441\u043a\u0435 \u043f\u043e\u043c\u0435\u0449\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u043d\u0430\u0448\u0435\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430! \u0411\u043b\u0430\u0433\u043e\u0434\u0430\u0440\u044f \u0432\u0430\u0448\u0435\u0439 \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438, \u0433\u043e\u0442\u043e\u0432\u043d\u043e\u0441\u0442\u0438 \u0432\u0441\u0435\u0433\u0434\u0430 \u043f\u043e\u043c\u043e\u0447\u044c \u0438 \u043f\u043e\u043d\u0438\u043c\u0430\u044e \u043d\u0443\u0436\u0434 \u043a\u043b\u0438\u0435\u043d\u0442\u0430, \u043c\u044b \u0441\u043c\u043e\u0433\u043b\u0438 \u043f\u043e\u0434\u043e\u0431\u0440\u0430\u0442\u044c \u0438\u043c\u0435\u043d\u043d\u043e \u0442\u043e \u043f\u043e\u043c\u0435\u0449\u0435\u043d\u0438\u0435, \u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u043d\u0430\u043c \u0431\u044b\u043b\u043e \u043d\u0443\u0436\u043d\u043e! \u0411\u0435\u0437 \u0432\u0430\u0448\u0435\u0439 \u043f\u043e\u043c\u043e\u0449\u0438… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Sergey Kamenskiy<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n

    <\/p>","protected":false},"excerpt":{"rendered":"

    Hipotek\u0101rie kred\u012bti m\u0101jok\u013cu ieg\u0101dei re\u0123ionos k\u013c\u016bs pieejam\u0101ki \u2013 17. oktobr\u012b st\u0101jas sp\u0113k\u0101 jauna hipotek\u0101r\u0101s kredit\u0113\u0161anas programma, kas nodro\u0161in\u0101s hipotek\u0101ro aizdevumu pieejam\u012bbu fiziskaj\u0101m person\u0101m m\u0101jok\u013cu ieg\u0101dei re\u0123ionos. Pl\u0101nots, ka pieteik\u0161an\u0101s aizdevumiem… <\/p>\n","protected":false},"author":2,"featured_media":2048477,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2048491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"\nJauna hipotek\u0101r\u0101s kredit\u0113\u0161anas programma m\u0101jok\u013cu ieg\u0101dei re\u0123ionos - 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=\"Jauna hipotek\u0101r\u0101s kredit\u0113\u0161anas programma m\u0101jok\u013cu ieg\u0101dei re\u0123ionos - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"Hipotek\u0101rie kred\u012bti m\u0101jok\u013cu ieg\u0101dei re\u0123ionos k\u013c\u016bs pieejam\u0101ki \u2013 17. oktobr\u012b st\u0101jas sp\u0113k\u0101 jauna hipotek\u0101r\u0101s kredit\u0113\u0161anas programma, kas nodro\u0161in\u0101s hipotek\u0101ro aizdevumu pieejam\u012bbu fiziskaj\u0101m person\u0101m m\u0101jok\u013cu ieg\u0101dei re\u0123ionos. 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