{"id":374,"date":"2015-01-26T04:16:55","date_gmt":"2015-01-26T04:16:55","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=374"},"modified":"2015-01-26T04:21:22","modified_gmt":"2015-01-26T04:21:22","slug":"kas-notiek-un-notiks-ar-majoklu-kreditesanu-financenet-tvnet-lv-24-01-2015","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=374","title":{"rendered":"Kas notiek un notiks ar m\u0101jok\u013cu kredit\u0113\u0161anu? \/ Financenet.tvnet.lv (24.01.2015.)"},"content":{"rendered":"

Kas patlaban notiek m\u0101jok\u013cu kredit\u0113\u0161anas jom\u0101? Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes loceklis Aivars Rudi intervij\u0101 port\u0101lam TVNET neprognoz\u0113ja strauju kredit\u0113\u0161anas apjomu pieaugumu, \u0146emot v\u0113r\u0101 ekonomisk\u0101s kr\u012bzes laik\u0101 ieg\u016bto smago par\u0101du nastu un pieredzi.<\/strong><\/p>\n

\"Latvijas<\/a>
Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes loceklis Aivars Rudi. Foto: Ieva L\u016bka \/ LETA<\/figcaption><\/figure>\n

<\/p>\n

\u0160obr\u012bd neatmaks\u0101tais naudas daudzums Latvij\u0101 ir 18 miljardi eiro, bet 2008.gad\u0101 tas bija 26 miljardi eiro. \u013boti labi redzam, ka kritums ir 8 miljardi. T\u0101d\u0113j\u0101di run\u0101\u0161anu par to, ka atkal s\u0101kas kredit\u0113\u0161ana, var uzskat\u012bt par tuk\u0161u run\u0101\u0161anu,\u00bb Rudi teica, nor\u0101dot, ka patlaban bankas p\u0101rsvar\u0101 str\u0101d\u0101 pie agr\u0101k izsniegto kred\u012btu atg\u016b\u0161anas. Realit\u0101t\u0113 kredit\u0113\u0161ana ir \u013coti niec\u012bg\u0101 l\u012bmen\u012b.<\/p>\n

Bankas ar\u012b atrun\u0101joties, ka v\u0113rien\u012bg\u0101kas kredit\u0113\u0161anas s\u0101kumu kav\u0113 nelabv\u0113l\u012bgu likumu pie\u0146em\u0161ana. \u00abBanku strat\u0113\u0123ija nav \u0161obr\u012bd str\u0101d\u0101t pie akt\u012bvas Latvijas tautsaimniec\u012bbas kredit\u0113\u0161anas.\u00bb<\/p>\n

Bie\u017e\u0101k v\u0113las tikt va\u013c\u0101 no par\u0101diem<\/strong><\/p>\n

Situ\u0101ciju ar hipotek\u0101rajiem kred\u012btiem labi raksturojot ar\u012b asoci\u0101cijas sniegto konsult\u0101ciju sadal\u012bjums. M\u0113ne\u0161a laik\u0101 pie vi\u0146iem v\u0113r\u0161as 1-2 cilv\u0113ki, kas v\u0113las nok\u0101rtot jaunu hipotek\u0101ro kred\u012btu, bet aptuveni 120 \u013caudis l\u016bdz pal\u012bdz\u012bbu, k\u0101 tikt va\u013c\u0101 vai restrukturiz\u0113t eso\u0161\u0101s saist\u012bbas. \u00abCilv\u0113ku interese un iesp\u0113jas ieg\u016bt kred\u012btu ir \u013coti nelielas.\u00bb<\/p>\n

\u00abJa run\u0101jam par Latvijas ekonomiku kopum\u0101 un jaunajiem kred\u012btiem, m\u016bsu liel\u0101k\u0101 probl\u0113ma ir \u013coti lielais iek\u0161\u0113jais cilv\u0113ku par\u0101ds. Mums nav probl\u0113mas ar valsts \u0101r\u0113jo par\u0101du, kas, sal\u012bdzinot ar Eiropas Savien\u012bbu, ir zems. \u0160aj\u0101 jom\u0101 bankas liel\u0101s, ka viss ir labi.<\/p>\n

Bet 18 miljardi eiro, kas ir komercbank\u0101m neatdot\u0101 nauda, diem\u017e\u0113l ir milz\u012bgs skaitlis. Ja m\u0113s run\u0101jam par iesp\u0113j\u0101m to atdot, t\u0101 b\u016bs \u013coti liela probl\u0113ma v\u0113l ilgi. K\u0101p\u0113c? T\u0101p\u0113c, ka \u0161obr\u012bd saist\u012bbas p\u0113c Latvijas banku re\u0123istra ir aptuveni 960 t\u016bksto\u0161iem personu.<\/p>\n

Rodas jaut\u0101jums, cik person\u0101m kred\u012btu v\u0113l nav un kuras visp\u0101r var uz\u0146emties jaunas saist\u012bbas?\u00bb<\/p>\n

\u0136\u012blas p\u0101rdo\u0161ana neatrisina situ\u0101ciju<\/strong><\/p>\n

Jaut\u0101ts, k\u0101du da\u013cu no aizdot\u0101s summas bankas var\u0113tu atg\u016bt, Rudi sac\u012bja: \u00abMilz\u012bgs jaut\u0101jums ir \u0137\u012blas nodro\u0161in\u0101jums. Redzam, ka lab\u0101kaj\u0101 gad\u012bjum\u0101 banka atg\u016bst maksimums 50% no kred\u012bta, realiz\u0113jot \u0137\u012blu. Atg\u016bt atlikumu nav nek\u0101das cer\u012bbas, jo cilv\u0113ki m\u016bk uz \u0101rzem\u0113m vai ieiet piln\u012bg\u0101 \u0113nu ekonomik\u0101, lai no vi\u0146iem nevar piedz\u012bt atliku\u0161o summu. Tre\u0161\u0101 iesp\u0113ja ir iziet maks\u0101tnesp\u0113jas procesu, lai likum\u012bg\u0101 veid\u0101 var\u0113tu norakst\u012bt savus par\u0101dus.<\/p>\n

Piem\u0113ram, cilv\u0113ks aiz\u0146\u0113m\u0101s 100 t\u016bksto\u0161us eiro, kas nemaks\u0101\u0161anas d\u0113\u013c soda naud\u0101s uzauga l\u012bdz 140 t\u016bksto\u0161iem. T\u0101 k\u0101 \u012bpa\u0161umu var\u0113ja p\u0101rdot par 30 t\u016bksto\u0161iem, cilv\u0113ks bankai ir par\u0101d\u0101 110 t\u016bksto\u0161us, kaut ar\u012b vi\u0146am vairs nepieder \u012bpa\u0161ums.\u00bb<\/p>\n

Vi\u0146\u0161 turpin\u0101ja: \u00abBank\u0101m atg\u016bt \u0161o naudu nav iesp\u0113jams, jo Latvij\u0101 \u0137\u012blas nodro\u0161in\u0101jums ir zem katras kritikas, cilv\u0113ku ien\u0101kumi nav tik augsti, k\u0101 vi\u0146i grib\u0113tu. L\u012bdz ar to situ\u0101cija kredit\u0113\u0161anas jom\u0101 n\u0101kotn\u0113 neizskat\u0101s laba.<\/p>\n

K\u0101das likmes b\u016bs n\u0101kotn\u0113?<\/strong><\/p>\n

Ir v\u0113l viens aspekts \u2013 \u0161obr\u012bd maks\u0101jumu discipl\u012bna ir nedaudz nostabiliz\u0113jusies, bet tas saist\u012bts ar \u013coti zem\u0101m EURIBOR likm\u0113m. \u0160obr\u012bd EURIBOR ir viszem\u0101kaj\u0101 punkt\u0101, bet ilgi t\u0101 vairs neb\u016bs. ”<\/p>\n

Rudi ar\u012b atg\u0101din\u0101ja, ka daudziem kred\u012bt\u0146\u0113m\u0113jiem, kas kr\u012bzes laik\u0101 un p\u0113c t\u0101s v\u0113rs\u0101s bank\u0101, lai izmain\u012btu naudas atdo\u0161anas nosac\u012bjumus, bankas palielin\u0101ja pievienoto likmi.<\/p>\n

\u00abTad, kad EURIBOR likmes uzk\u0101ps l\u012bdz l\u012bmenim, kur\u0101 t\u0101s bija, maks\u0101jumi k\u013c\u016bs \u013coti smagi, jo starpbanku likme ir sal\u012bdzino\u0161i augsta. Diez vai Latvijas ekonomika skries tik \u0101tri l\u012bdzi EURIBOR likm\u0113m. T\u0101p\u0113c n\u0101kotnes ro\u017eain\u0101 perspekt\u012bva aiz\u0146emties ir migl\u0101 t\u012bta.\u00bb<\/p>\n

Ta\u010du viss iepriek\u0161 sac\u012btais nenoz\u012bm\u0113, ka n\u0101kotn\u0113 b\u016btu j\u0101iztiek bez kred\u012btiem. \u00abJa cilv\u0113kam ir nepiecie\u0161am\u012bba un iesp\u0113jas, \u0146emot v\u0113r\u0101 zem\u0101s EURIBOR likmes, bankas var pied\u0101v\u0101t konkur\u0113tsp\u0113j\u012bgu pied\u0101v\u0101jumu. T\u0101 k\u0101 ar\u012b \u012bpa\u0161umu cenas ir sal\u012bdzino\u0161i zemas, cilv\u0113ki var \u0146emt kred\u012btus, ja vi\u0146iem ir t\u0101da vajadz\u012bba un var to at\u013cauties.\u00bb<\/p>\n

Avots:\u00a0TVNET<\/a><\/p>\n

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

Kas patlaban notiek m\u0101jok\u013cu kredit\u0113\u0161anas jom\u0101? Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes loceklis Aivars Rudi intervij\u0101 port\u0101lam TVNET neprognoz\u0113ja strauju kredit\u0113\u0161anas apjomu<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,4,3],"tags":[],"class_list":["post-374","post","type-post","status-publish","format-standard","hentry","category-jaunumi","category-maksatnespeja","category-pubikacija"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=374"}],"version-history":[{"count":7,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/374\/revisions"}],"predecessor-version":[{"id":382,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/374\/revisions\/382"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}