{"id":2048749,"date":"2026-01-09T10:41:41","date_gmt":"2026-01-09T08:41:41","guid":{"rendered":"https:\/\/www2.realat.lv\/lv\/?p=2048749"},"modified":"2026-01-09T10:44:49","modified_gmt":"2026-01-09T08:44:49","slug":"hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas","status":"publish","type":"post","link":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/","title":{"rendered":"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas"},"content":{"rendered":"<p><\/p>\n<p data-start=\"332\" data-end=\"572\">Hipotek\u0101rais kred\u012bts liel\u0101kajai da\u013cai pirc\u0113ju ir vien\u012bgais ce\u013c\u0161 uz savu \u012bpa\u0161umu. Ta\u010du aiz procentu likm\u0113m un banku pied\u0101v\u0101jumiem sl\u0113pjas virkne juridisku un procesu\u0101lu nosac\u012bjumu, kas tie\u0161i ietekm\u0113 gan dar\u012bjuma \u0101trumu, gan kop\u0113j\u0101s izmaksas.<\/p>\n<p data-start=\"574\" data-end=\"724\">P\u0113d\u0113jo gadu laik\u0101 \u012bpa\u0161i b\u016btiski ir main\u012bjusies <strong data-start=\"621\" data-end=\"667\">hipotek\u0101r\u0101 kred\u012bta p\u0101rkredit\u0113\u0161anas k\u0101rt\u012bba<\/strong>, padarot to vienk\u0101r\u0161\u0101ku, l\u0113t\u0101ku un klientam draudz\u012bg\u0101ku.<\/p>\n<h2 data-start=\"731\" data-end=\"766\"><strong>Kas ir hipot\u0113ka bankas izpratn\u0113?<\/strong><\/h2>\n<p data-start=\"768\" data-end=\"941\"><a  href=\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04.jpg\" data-rel=\"lightbox-gallery-0\" data-rl_title=\"\" data-rl_caption=\"\" title=\"\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-2048751 alignright\" src=\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04-300x300.jpg\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04-300x300.jpg 300w, https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04-1024x1024.jpg 1024w, https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04-150x150.jpg 150w, https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04-768x768.jpg 768w, https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04-1536x1536.jpg 1536w, https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/Wavy_Bus-23_Single-04.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>Hipot\u0113ka ir <strong data-start=\"780\" data-end=\"828\">nekustam\u0101 \u012bpa\u0161uma ie\u0137\u012bl\u0101jums par labu bankai<\/strong>, kas tiek re\u0123istr\u0113ts Zemesgr\u0101mat\u0101. T\u0101 nodro\u0161ina bankas pras\u012bjumu gad\u012bjum\u0101, ja aiz\u0146\u0113m\u0113js nepilda savas saist\u012bbas.<\/p>\n<p data-start=\"943\" data-end=\"961\">Praks\u0113 tas noz\u012bm\u0113:<\/p>\n<ul data-start=\"962\" data-end=\"1161\">\n<li data-start=\"962\" data-end=\"1030\">\n<p data-start=\"964\" data-end=\"1030\">\u012bpa\u0161umu nevar p\u0101rdot vai atk\u0101rtoti ie\u0137\u012bl\u0101t bez bankas piekri\u0161anas;<\/p>\n<\/li>\n<li data-start=\"1031\" data-end=\"1100\">\n<p data-start=\"1033\" data-end=\"1100\">uz \u012bpa\u0161umu tiek re\u0123istr\u0113ta ar\u012b <strong data-start=\"1064\" data-end=\"1099\">atsavin\u0101\u0161anas aizlieguma atz\u012bme<\/strong>;<\/p>\n<\/li>\n<li data-start=\"1101\" data-end=\"1161\">\n<p data-start=\"1103\" data-end=\"1161\">banka kontrol\u0113 \u012bpa\u0161uma apdro\u0161in\u0101\u0161anu vis\u0101 kred\u012bta period\u0101.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1168\" data-end=\"1213\"><strong>Banku pamatpras\u012bbas hipotek\u0101rajam kred\u012btam<\/strong><\/h2>\n<p data-start=\"1215\" data-end=\"1282\">Lai sa\u0146emtu hipotek\u0101ro kred\u012btu, banka izv\u0113rt\u0113 tr\u012bs galvenos blokus:<\/p>\n<h3 data-start=\"1284\" data-end=\"1302\"><strong>1. Maks\u0101tsp\u0113ja<\/strong><\/h3>\n<ul data-start=\"1303\" data-end=\"1406\">\n<li data-start=\"1303\" data-end=\"1336\">\n<p data-start=\"1305\" data-end=\"1336\">regul\u0101ri un pier\u0101d\u0101mi ien\u0101kumi;<\/p>\n<\/li>\n<li data-start=\"1337\" data-end=\"1380\">\n<p data-start=\"1339\" data-end=\"1380\">stabila nodarbin\u0101t\u012bba vai uz\u0146\u0113m\u0113jdarb\u012bba;<\/p>\n<\/li>\n<li data-start=\"1381\" data-end=\"1406\">\n<p data-start=\"1383\" data-end=\"1406\">eso\u0161\u0101s kred\u012btsaist\u012bbas.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1408\" data-end=\"1517\">Ja kred\u012bts tiek \u0146emts kop\u0101 ar dz\u012bvesbiedru vai partneri, tiek v\u0113rt\u0113ta <strong data-start=\"1478\" data-end=\"1516\">kop\u0113j\u0101 m\u0101jsaimniec\u012bbas maks\u0101tsp\u0113ja<\/strong>.<\/p>\n<h3 data-start=\"1519\" data-end=\"1539\"><strong>2. Pirm\u0101 iemaksa<\/strong><\/h3>\n<ul data-start=\"1540\" data-end=\"1687\">\n<li data-start=\"1540\" data-end=\"1578\">\n<p data-start=\"1542\" data-end=\"1578\">parasti 15\u201320 % no \u012bpa\u0161uma v\u0113rt\u012bbas;<\/p>\n<\/li>\n<li data-start=\"1579\" data-end=\"1624\">\n<p data-start=\"1581\" data-end=\"1624\">iesp\u0113jams samazin\u0101t ar <strong data-start=\"1604\" data-end=\"1623\">ALTUM garantiju<\/strong>;<\/p>\n<\/li>\n<li data-start=\"1625\" data-end=\"1687\">\n<p data-start=\"1627\" data-end=\"1687\">atsevi\u0161\u0137os gad\u012bjumos pieejamas valsts subs\u012bdijas (\u201cBalsts\u201d).<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1689\" data-end=\"1715\"><strong>3. Nekustamais \u012bpa\u0161ums<\/strong><\/h3>\n<ul data-start=\"1716\" data-end=\"1858\">\n<li data-start=\"1716\" data-end=\"1752\">\n<p data-start=\"1718\" data-end=\"1752\">sertific\u0113ta v\u0113rt\u0113t\u0101ja nov\u0113rt\u0113jums;<\/p>\n<\/li>\n<li data-start=\"1753\" data-end=\"1799\">\n<p data-start=\"1755\" data-end=\"1799\">\u012bpa\u0161uma tehniskais un juridiskais st\u0101voklis;<\/p>\n<\/li>\n<li data-start=\"1800\" data-end=\"1858\">\n<p data-start=\"1802\" data-end=\"1858\">apgr\u016btin\u0101jumu neesam\u012bba vai skaidra to dz\u0113\u0161anas k\u0101rt\u012bba.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1865\" data-end=\"1920\"><strong>Hipotek\u0101r\u0101 kred\u012bta p\u0101rkredit\u0113\u0161ana: kas ir main\u012bjies?<\/strong><\/h2>\n<p data-start=\"1922\" data-end=\"2050\">V\u0113l nesen bankas mai\u0146a aiz\u0146\u0113m\u0113jam izmaks\u0101ja <strong data-start=\"1966\" data-end=\"1981\">400\u2013600 EUR<\/strong> un pras\u012bja akt\u012bvu iesaisti. \u0160odien situ\u0101cija ir b\u016btiski main\u012bjusies.<\/p>\n<h3 data-start=\"2052\" data-end=\"2074\"><strong>Galven\u0101s izmai\u0146as:<\/strong><\/h3>\n<ul data-start=\"2075\" data-end=\"2292\">\n<li data-start=\"2075\" data-end=\"2124\">\n<p data-start=\"2077\" data-end=\"2124\">p\u0101rkredit\u0113\u0161anu <strong data-start=\"2092\" data-end=\"2123\">organiz\u0113 bankas sav\u0101 starp\u0101<\/strong>;<\/p>\n<\/li>\n<li data-start=\"2125\" data-end=\"2169\">\n<p data-start=\"2127\" data-end=\"2169\">process liel\u0101koties notiek <strong data-start=\"2154\" data-end=\"2168\">att\u0101lin\u0101ti<\/strong>;<\/p>\n<\/li>\n<li data-start=\"2170\" data-end=\"2228\">\n<p data-start=\"2172\" data-end=\"2228\">p\u0101rkredit\u0113\u0161ana j\u0101nosl\u0113dz <strong data-start=\"2197\" data-end=\"2227\">ne v\u0113l\u0101k k\u0101 2 m\u0113ne\u0161u laik\u0101<\/strong>;<\/p>\n<\/li>\n<li data-start=\"2229\" data-end=\"2292\">\n<p data-start=\"2231\" data-end=\"2292\">regul\u0113jums attiecas gan uz bank\u0101m, gan nebanku kredit\u0113t\u0101jiem.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2294\" data-end=\"2484\">Svar\u012bgi \u2013 <strong data-start=\"2304\" data-end=\"2369\">kred\u012bta summa p\u0101rkredit\u0113\u0161anas ietvaros nevar tikt palielin\u0101ta<\/strong> virs eso\u0161\u0101 saist\u012bbu atlikuma. Ja klients v\u0113las papildu finans\u0113jumu, banka veic atk\u0101rtotu maks\u0101tsp\u0113jas izv\u0113rt\u0113jumu.<\/p>\n<h2 data-start=\"2491\" data-end=\"2527\"><strong>P\u0101rkredit\u0113\u0161ana k\u013cuvusi ar\u012b l\u0113t\u0101ka<\/strong><\/h2>\n<p data-start=\"2529\" data-end=\"2585\">Jaunais regul\u0113jums b\u016btiski samazin\u0101jis klienta izmaksas:<\/p>\n<ul data-start=\"2587\" data-end=\"2987\">\n<li data-start=\"2587\" data-end=\"2671\">\n<p data-start=\"2589\" data-end=\"2671\">\u274c nav maksas par kred\u012bta pirmstermi\u0146a dz\u0113\u0161anu (iz\u0146emot fiks\u0113tas likmes gad\u012bjumus);<\/p>\n<\/li>\n<li data-start=\"2672\" data-end=\"2758\">\n<p data-start=\"2674\" data-end=\"2758\">\u274c netiek piem\u0113rota 0,1 % valsts nodeva par \u0137\u012blas re\u0123istr\u0101ciju (notiek p\u0101rgroz\u012bjums);<\/p>\n<\/li>\n<li data-start=\"2759\" data-end=\"2852\">\n<p data-start=\"2761\" data-end=\"2852\">\u2714 jaun\u0101 kred\u012bta noform\u0113\u0161anas maksa \u2013 <strong data-start=\"2798\" data-end=\"2818\">ne vair\u0101k k\u0101 1 %<\/strong>, ar iesp\u0113ju sadal\u012bt 3 maks\u0101jumos;<\/p>\n<\/li>\n<li data-start=\"2853\" data-end=\"2908\">\n<p data-start=\"2855\" data-end=\"2908\">\u2714 \u201cvec\u0101 banka\u201d nevar pras\u012bt maksu par dar\u012bjuma kontu;<\/p>\n<\/li>\n<li data-start=\"2909\" data-end=\"2987\">\n<p data-start=\"2911\" data-end=\"2987\">\u2714 \u012bpa\u0161uma v\u0113rt\u0113jums \u2013 tikai tad, ja to uzskata par nepiecie\u0161amu jaun\u0101 banka.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2989\" data-end=\"3113\">Rezult\u0101t\u0101 p\u0101rkredit\u0113\u0161ana vairs nav sare\u017e\u0123\u012bts juridisks \u0161\u0137\u0113rslis, bet <strong data-start=\"3058\" data-end=\"3112\">finansi\u0101ls instruments lab\u0101ku nosac\u012bjumu ieg\u016b\u0161anai<\/strong>.<\/p>\n<hr data-start=\"3115\" data-end=\"3118\" \/>\n<h2 data-start=\"3120\" data-end=\"3173\"><strong>8 so\u013ci, k\u0101 praks\u0113 notiek hipotek\u0101r\u0101 p\u0101rkredit\u0113\u0161ana<\/strong><\/h2>\n<ol data-start=\"3175\" data-end=\"3509\">\n<li data-start=\"3175\" data-end=\"3206\">\n<p data-start=\"3178\" data-end=\"3206\">Pieteikums jaunajai bankai<\/p>\n<\/li>\n<li data-start=\"3207\" data-end=\"3237\">\n<p data-start=\"3210\" data-end=\"3237\">Jaun\u0101s bankas pied\u0101v\u0101jums<\/p>\n<\/li>\n<li data-start=\"3238\" data-end=\"3281\">\n<p data-start=\"3241\" data-end=\"3281\">Vec\u0101s bankas \u201cnotur\u0113\u0161anas\u201d pied\u0101v\u0101jums<\/p>\n<\/li>\n<li data-start=\"3282\" data-end=\"3327\">\n<p data-start=\"3285\" data-end=\"3327\">Jauna kred\u012bta un \u0137\u012blas l\u012bguma nosl\u0113g\u0161ana<\/p>\n<\/li>\n<li data-start=\"3328\" data-end=\"3376\">\n<p data-start=\"3331\" data-end=\"3376\">Vec\u0101s bankas piekri\u0161ana \u0137\u012blas p\u0101rgroz\u012b\u0161anai<\/p>\n<\/li>\n<li data-start=\"3377\" data-end=\"3414\">\n<p data-start=\"3380\" data-end=\"3414\">Jaun\u0101s bankas pazi\u0146ojums not\u0101ram<\/p>\n<\/li>\n<li data-start=\"3415\" data-end=\"3447\">\n<p data-start=\"3418\" data-end=\"3447\">Klienta paraksts pie not\u0101ra<\/p>\n<\/li>\n<li data-start=\"3448\" data-end=\"3509\">\n<p data-start=\"3451\" data-end=\"3509\">\u0136\u012blas p\u0101rgroz\u012b\u0161ana Zemesgr\u0101mat\u0101 un nor\u0113\u0137ini starp bank\u0101m<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"3511\" data-end=\"3584\">Klientam faktiski j\u0101piedal\u0101s <strong data-start=\"3540\" data-end=\"3583\">tikai l\u0113mumu pie\u0146em\u0161an\u0101 un parakst\u012b\u0161an\u0101<\/strong>.<\/p>\n<hr data-start=\"3586\" data-end=\"3589\" \/>\n<h2 data-start=\"3591\" data-end=\"3653\"><strong>REALAT skat\u012bjums: Hipot\u0113ka k\u0101 strat\u0113\u0123ija, nevis formalit\u0101te<\/strong><\/h2>\n<p data-start=\"3655\" data-end=\"3791\">Hipotek\u0101rais kred\u012bts nav tikai finans\u0113jums \u012bpa\u0161uma ieg\u0101dei. Tas ir <strong data-start=\"3722\" data-end=\"3751\">ilgtermi\u0146a finan\u0161u l\u0113mums<\/strong>, kuru iesp\u0113jams un vajadz\u012bgs optimiz\u0113t.<\/p>\n<p data-start=\"3793\" data-end=\"3812\"><strong>M\u016bsu pieredze r\u0101da:<\/strong><\/p>\n<ul data-start=\"3813\" data-end=\"4008\">\n<li data-start=\"3813\" data-end=\"3860\">\n<p data-start=\"3815\" data-end=\"3860\">pareizi struktur\u0113ts dar\u012bjums samazina riskus;<\/p>\n<\/li>\n<li data-start=\"3861\" data-end=\"3913\">\n<p data-start=\"3863\" data-end=\"3913\">laikus izv\u0113rt\u0113ta p\u0101rkredit\u0113\u0161ana ietaupa t\u016bksto\u0161us;<\/p>\n<\/li>\n<li data-start=\"3914\" data-end=\"4008\">\n<p data-start=\"3916\" data-end=\"4008\">profesion\u0101la dar\u012bjuma vad\u012bba \u013cauj bankas pras\u012bbas izmantot sav\u0101 lab\u0101, nevis c\u012bn\u012bties ar t\u0101m.<\/p>\n<\/li>\n<\/ul>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Hipotek\u0101rais kred\u012bts liel\u0101kajai da\u013cai pirc\u0113ju ir vien\u012bgais ce\u013c\u0161 uz savu \u012bpa\u0161umu. Ta\u010du aiz procentu likm\u0113m un banku pied\u0101v\u0101jumiem sl\u0113pjas virkne juridisku un procesu\u0101lu nosac\u012bjumu, kas tie\u0161i ietekm\u0113 gan dar\u012bjuma \u0101trumu,&#8230; <\/p>\n","protected":false},"author":2,"featured_media":2048750,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2048749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas - 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=\"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"Hipotek\u0101rais kred\u012bts liel\u0101kajai da\u013cai pirc\u0113ju ir vien\u012bgais ce\u013c\u0161 uz savu \u012bpa\u0161umu. Ta\u010du aiz procentu likm\u0113m un banku pied\u0101v\u0101jumiem sl\u0113pjas virkne juridisku un procesu\u0101lu nosac\u012bjumu, kas tie\u0161i ietekm\u0113 gan dar\u012bjuma \u0101trumu,...\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"realat\" \/>\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\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/\"},\"author\":{\"name\":\"realat\",\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/f3d1c0be9fb8fa7ae311dc2f82734608\"},\"headline\":\"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas\",\"datePublished\":\"2026-01-09T08:41:41+00:00\",\"dateModified\":\"2026-01-09T08:44:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/\"},\"wordCount\":712,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www2.realat.lv\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg\",\"articleSection\":[\"ZI\u0145AS\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/\",\"url\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/\",\"name\":\"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas - REALAT.lv\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www2.realat.lv\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg\",\"datePublished\":\"2026-01-09T08:41:41+00:00\",\"dateModified\":\"2026-01-09T08:44:49+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/f3d1c0be9fb8fa7ae311dc2f82734608\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#breadcrumb\"},\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www2.realat.lv\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg\",\"contentUrl\":\"https:\\\/\\\/www2.realat.lv\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg\",\"width\":1500,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/zina\\\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www2.realat.lv\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas\"}]},{\"@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\\\/f3d1c0be9fb8fa7ae311dc2f82734608\",\"name\":\"realat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2917d759f96effc10e573f7396b1092db50a3fccd762610d79a4d7bc3a666847?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2917d759f96effc10e573f7396b1092db50a3fccd762610d79a4d7bc3a666847?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2917d759f96effc10e573f7396b1092db50a3fccd762610d79a4d7bc3a666847?s=96&d=mm&r=g\",\"caption\":\"realat\"},\"url\":\"https:\\\/\\\/www2.realat.lv\\\/lv\\\/author\\\/realat\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas - REALAT.lv","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":"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas - REALAT.lv","twitter_description":"Hipotek\u0101rais kred\u012bts liel\u0101kajai da\u013cai pirc\u0113ju ir vien\u012bgais ce\u013c\u0161 uz savu \u012bpa\u0161umu. Ta\u010du aiz procentu likm\u0113m un banku pied\u0101v\u0101jumiem sl\u0113pjas virkne juridisku un procesu\u0101lu nosac\u012bjumu, kas tie\u0161i ietekm\u0113 gan dar\u012bjuma \u0101trumu,...","twitter_image":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg","twitter_misc":{"Written by":"realat","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#article","isPartOf":{"@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/"},"author":{"name":"realat","@id":"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/f3d1c0be9fb8fa7ae311dc2f82734608"},"headline":"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas","datePublished":"2026-01-09T08:41:41+00:00","dateModified":"2026-01-09T08:44:49+00:00","mainEntityOfPage":{"@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/"},"wordCount":712,"commentCount":0,"image":{"@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#primaryimage"},"thumbnailUrl":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg","articleSection":["ZI\u0145AS"],"inLanguage":"lv-LV","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/","url":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/","name":"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas - REALAT.lv","isPartOf":{"@id":"https:\/\/www2.realat.lv\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#primaryimage"},"image":{"@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#primaryimage"},"thumbnailUrl":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg","datePublished":"2026-01-09T08:41:41+00:00","dateModified":"2026-01-09T08:44:49+00:00","author":{"@id":"https:\/\/www2.realat.lv\/en\/#\/schema\/person\/f3d1c0be9fb8fa7ae311dc2f82734608"},"breadcrumb":{"@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#breadcrumb"},"inLanguage":"lv-LV","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/"]}]},{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#primaryimage","url":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg","contentUrl":"https:\/\/www2.realat.lv\/wp-content\/uploads\/2026\/01\/young-happy-couple-insurance-agent-talking-while-analyzing-paperwork-consultations.jpg","width":1500,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www2.realat.lv\/lv\/zina\/hipoteka-un-bankas-prasibas-ko-svarigi-zinat-pirms-un-pec-kredita-sanemsanas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www2.realat.lv\/en\/"},{"@type":"ListItem","position":2,"name":"Hipot\u0113ka un bankas pras\u012bbas: Ko svar\u012bgi zin\u0101t pirms un p\u0113c kred\u012bta sa\u0146em\u0161anas"}]},{"@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\/f3d1c0be9fb8fa7ae311dc2f82734608","name":"realat","image":{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/secure.gravatar.com\/avatar\/2917d759f96effc10e573f7396b1092db50a3fccd762610d79a4d7bc3a666847?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2917d759f96effc10e573f7396b1092db50a3fccd762610d79a4d7bc3a666847?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2917d759f96effc10e573f7396b1092db50a3fccd762610d79a4d7bc3a666847?s=96&d=mm&r=g","caption":"realat"},"url":"https:\/\/www2.realat.lv\/lv\/author\/realat\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/posts\/2048749","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/comments?post=2048749"}],"version-history":[{"count":0,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/posts\/2048749\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/media\/2048750"}],"wp:attachment":[{"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/media?parent=2048749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/categories?post=2048749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www2.realat.lv\/lv\/wp-json\/wp\/v2\/tags?post=2048749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}