{"id":383,"date":"2015-01-30T19:55:15","date_gmt":"2015-01-30T19:55:15","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=383"},"modified":"2015-01-30T19:57:30","modified_gmt":"2015-01-30T19:57:30","slug":"grabekli-uz-kuriem-neuzkapt-nemot-kreditu-financenet-tvnet-lv-30-01-2015","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=383","title":{"rendered":"Gr\u0101bek\u013ci, uz kuriem neuzk\u0101pt, \u0146emot kred\u012btu \/ Financenet.tvnet.lv (30.01.2015.)"},"content":{"rendered":"
\"Latvijas<\/a>
Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161. Foto: Ieva L\u016bka \/ LETA<\/figcaption><\/figure>\n

Ir daudzi un da\u017e\u0101di aspekti, kas cilv\u0113kiem j\u0101p\u0101rdom\u0101, \u0146emot kred\u012btus. Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161 un valdes loceklis Aivars Rudi intervij\u0101 port\u0101lam TVNET akcent\u0113ja galvenos punktus, kam j\u0101piev\u0113r\u0161 uzman\u012bba, aiz\u0146emoties naudu bank\u0101s.<\/span><\/p>\n

Vai l\u012bdz m\u016b\u017ea galam pasp\u0113si atmaks\u0101t kred\u012btu?<\/span><\/p>\n

Vi\u0146i ieteica ne\u0146emt kred\u012btus uz \u013coti ilgu laiku,<\/strong> jo\u00a0ilg\u0101k\u0101 laika posm\u0101 ir gr\u016bt\u0101k prognoz\u0113t cilv\u0113ka ien\u0101kumu izmai\u0146as.\u00a0<\/span><\/p>\n

\u00abL\u012bdz \u0161im cilv\u0113ki bie\u017ei vien \u0146\u0113ma kred\u012btus uz maksim\u0101li iesp\u0113jamo aiz\u0146\u0113muma laiku. K\u0101p\u0113c? Lai t\u0101d\u0113j\u0101di ikm\u0113ne\u0161a maks\u0101jumu pievilktu daudzmaz sapr\u0101t\u012bg\u0101s robe\u017e\u0101s, sal\u012bdzinot ar cilv\u0113ka ien\u0101kumiem.<\/span><\/p>\n

Jo \u012bs\u0101ks termi\u0146\u0161, jo maks\u0101jums ir liel\u0101ks un jo maz\u0101k cilv\u0113ki p\u0101rmaks\u0101 bankai. Diem\u017e\u0113l daudz cilv\u0113ku nevar\u0113ja at\u013cauties t\u0101 r\u012bkoties, jo vi\u0146u ien\u0101kumi nebija tik lieli.\u00bb<\/span><\/p>\n

T\u0101p\u0113c daudzu hipotek\u0101ro kred\u012btu termi\u0146i ir 30, 40 un pat 45 gadi.<\/span><\/p>\n

<\/p>\n

K\u0101di b\u016bs tavi n\u0101kotnes ien\u0101kumi?<\/span><\/p>\n

\u00abIzv\u0113rt\u0113t cilv\u0113ka ien\u0101kumus vair\u0101ku gadu desmitu period\u0101 ir diezgan nere\u0101li. Var pat \u012bpa\u0161i nem\u0113\u0123in\u0101t to dar\u012bt. Zinot Latvijas ekonomiku,\u00a0nav pr\u0101t\u012bgi prognoz\u0113t cilv\u0113ku ien\u0101kumus p\u0113c 30 gadiem.\u00a0T\u0101p\u0113c liel\u0101kais risks, \u0146emot kred\u012btus, ir cilv\u0113ka n\u0101kotnes ien\u0101kumu lielums.\u00bb<\/span><\/p>\n

Rudi nor\u0101d\u012bja, ka cilv\u0113ku ien\u0101kumi var radik\u0101li samazin\u0101ties pat tuv\u0101k\u0101 pusgada laik\u0101, kur nu v\u0113l 30 gadu laik\u0101. \u00abLatvij\u0101 nav daudzi desmitgad\u0113s veidoju\u0161ies \u0123imenes uz\u0146\u0113mumi ar garantiju, ka tie str\u0101d\u0101s v\u0113l turpm\u0101kos simts gadus.<\/span><\/p>\n

Pat ja \u0161obr\u012bd cilv\u0113ks str\u0101d\u0101 uz\u0146\u0113mum\u0101, kas vi\u0146am maks\u0101 labu algu, p\u0113c pusgada vi\u0146\u0161 var non\u0101kt situ\u0101cij\u0101, kad Krievijas-Ukrainas konflikta d\u0113\u013c tas beidz past\u0101v\u0113t.\u00bb<\/span><\/p>\n

Labi gan, ka \u0161obr\u012bd bankas klientus v\u0113rt\u0113 \u013coti detaliz\u0113ti un ar\u012b \u012bpa\u0161umu v\u0113rt\u0113jumi ir diezgan zemi.\u00a0Turkl\u0101t kred\u012bti netiek izsniegti par visu pirkuma summu, k\u0101 tas bija k\u0101dreiz.<\/span><\/p>\n

Milz\u012bg\u0101 atbild\u012bba, ie\u0137\u012bl\u0101jot dzimtas \u012bpa\u0161umu<\/span><\/p>\n

\"Latvijas
<\/span><\/a><\/span> Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161 (no kreis\u0101s) un Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes loceklis Aivars Rudi. Foto: Ieva L\u016bka\/LETA<\/span><\/figcaption><\/figure>\n

Rudi atg\u0101din\u0101ja, ka saska\u0146\u0101 ar gandr\u012bz visu Latvijas komercbanku pied\u0101v\u0101jumiem kred\u012bt\u0146\u0113m\u0113js atbild par par\u0101da summu nevis \u012bpa\u0161umu.\u00a0Neviens hipotek\u0101rais kred\u012bts Latvij\u0101 neatbild tikai ar \u0137\u012blu.<\/span><\/p>\n

\u00abM\u0113s atbildam par par\u0101du summu, un nav svar\u012bgi, cik taj\u0101 br\u012bd\u012b maks\u0101 m\u016bsu \u0137\u012bla.\u00bb Tie\u0161i \u0161is aspekts rad\u012bja probl\u0113mas daudziem Latvijas iedz\u012bvot\u0101jiem, kuri bija \u0146\u0113mu\u0161i kred\u012btus pirms kr\u012bzes.<\/span><\/p>\n

\u0136\u012blas parasti v\u0113rt\u0113, balsoties uz tirgus situ\u0101ciju. \u0145emot v\u0113r\u0101 starptautisko un viet\u0113jo notikumu straujo att\u012bst\u012bbu, ir diezgan gr\u016bti pateikt, k\u0101da b\u016bs \u0137\u012blas v\u0113rt\u012bba n\u0101kotn\u0113.<\/span><\/p>\n

Turkl\u0101t j\u0101\u0146em v\u0113r\u0101, ka Latvijas iedz\u012bvot\u0101ju skaits sar\u016bk, bet nekustamo \u012bpa\u0161umu daudzums pieaug.<\/span><\/p>\n

\u00abM\u016bsu cilv\u0113ku vair\u0101k nepaliks, jo valstij nav programmas, k\u0101 atgriezt atpaka\u013c cilv\u0113kus, kas ir izbrauku\u0161i \u0101rpus valsts. T\u0101p\u0113c tuv\u0101kaj\u0101 n\u0101kotn\u0113 neredzu \u013coti straujus r\u0101vienus nekustam\u0101 \u012bpa\u0161uma tirdzniec\u012bb\u0101.\u00bb<\/span><\/p>\n

K\u0101di b\u016bs \u012bstie procenti?<\/span><\/p>\n

Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes loceklis akcent\u0113ja, ka cilv\u0113kiem vajadz\u0113tu ar\u012b apzin\u0101ties \u012bstos aiz\u0146\u0113muma procentus. T\u0101 k\u0101 EURIBOR likme patlaban ir \u013coti zema,\u00a0ir j\u0101saprot, ka n\u0101kotn\u0113 EURIBOR likme k\u0101ps un var sasniegt pat k\u0101dreiz piedz\u012bvotos 2,8%.\u00a0T\u0101p\u0113c bankas noteiktajai likmei v\u0113l j\u0101skaita kl\u0101t EURIBOR likme.<\/span><\/p>\n

\u012apa\u0161uma st\u0101voklis<\/span><\/p>\n

Rudi nor\u0101d\u012bja, ka cilv\u0113kiem pirms \u012bpa\u0161uma ieg\u0101des vajadz\u0113tu r\u016bp\u012bgi iepaz\u012bties ar t\u0101 tehnisko st\u0101vokli. \u012apa\u0161i tas attiecas uz padomju laikos b\u016bv\u0113taj\u0101m bloku m\u0101j\u0101m. \u00abNeticu, ka daudzi Eiropas Savien\u012bbas iedz\u012bvot\u0101ji tagad strauji brauks pirkt \u012bpa\u0161umus pie mums, it \u012bpa\u0161i bloku m\u0101j\u0101s.<\/span><\/p>\n

\u012apa\u0161umi blokm\u0101j\u0101s var\u0113tu interes\u0113t m\u016bsu pa\u0161u iedz\u012bvot\u0101jus un biju\u0161o PSRS republiku iedz\u012bvot\u0101jus, ta\u010du veco Eiropas Savien\u012bbas valstu pilso\u0146i taj\u0101s, visticam\u0101k, neinvest\u0113s. Vi\u0146us vair\u0101k interes\u0113 Vecr\u012bgas projekti, kvalitat\u012bvi restaur\u0113tie projekti vai jaun\u0101s b\u016bves. Rodas jaut\u0101jums – kur\u0161 n\u0101kotn\u0113 pirks \u012bpa\u0161umus blokm\u0101j\u0101s? Ir j\u0101saprot, kas to \u012bpa\u0161umu var\u0113tu pirkt n\u0101kotn\u0113.\u00a0Ja nevarat iedom\u0101ties, kas \u0161o \u012bpa\u0161umu pirks, var gad\u012bties, ka ar\u012b \u0161aj\u0101 br\u012bd\u012b nov\u0113rt\u0113t\u0101 cena ir par augstu.\u00bb<\/span><\/p>\n

Asoci\u0101cijas p\u0101rst\u0101vis nor\u0101d\u012bja, ka nekvalitat\u012bvu nekustamo \u012bpa\u0161umu projektu Latvij\u0101 ir \u013coti daudz. Tas attiecas ne tikai uz padomju laik\u0101 celtajiem \u012bpa\u0161umiem, bet ar\u012b jau jaunaj\u0101m \u0113k\u0101m.<\/span><\/p>\n

Kas notiks, ja nevar\u0113si samaks\u0101t?<\/span><\/p>\n

Speci\u0101listi ar\u012b ieteica cilv\u0113kiem pap\u0113t\u012bt, k\u0101das saist\u012bbas vi\u0146i uz\u0146emas gad\u012bjumos, ja nesp\u0113s samaks\u0101t l\u012bgum\u0101 paredz\u0113to ikm\u0113ne\u0161a summu.<\/span><\/p>\n

Labi, ka likumdo\u0161ana ierobe\u017eo sodu apjomu, ta\u010du vienlaikus ar\u012b pa\u0161iem cilv\u0113kiem vajadz\u0113tu apzin\u0101ties, ko noz\u012bm\u0113 banku standartl\u012bgumos rakst\u012btais, ka soda nauda b\u016bs nepilni 0,2% dien\u0101.<\/span><\/p>\n

No t\u0101 izriet, ka tie ir vair\u0101k nek\u0101 50% gad\u0101.<\/span><\/p>\n

Turkl\u0101t \u0161\u0101du summu var noteikt gan nokav\u0113juma procenti, gan nokav\u0113juma l\u012bgumsods.<\/span><\/p>\n

\u0160\u0101da sh\u0113ma paredz, ka\u00a0cilv\u0113ks, kur\u0161 gadu nemaks\u0101 ikm\u0113ne\u0161a maks\u0101jumu, var uzaudz\u0113t dubultu kred\u012bta apjomu.\u00a0Nehipotek\u0101ro kred\u012btu jom\u0101 soda procenti parasti ir v\u0113l liel\u0101ki.\u00a0<\/span><\/p>\n

Vienu kred\u012btu galvo septi\u0146i cilv\u0113ki…<\/span><\/p>\n

Cilv\u0113kam vajadz\u0113tu attur\u0113ties no kred\u012bta \u0146em\u0161anas, ja banka vi\u0146a aizdevumam pieprasa vair\u0101k par vienu galvot\u0101ju.<\/span><\/p>\n

Tas var liecin\u0101t, ka aiz\u0146\u0113m\u0113ja maks\u0101tsp\u0113ja nav p\u0101r\u0101k laba.<\/span><\/p>\n

Rudi zin\u0101ja st\u0101st\u012bt, ka \u00abtrekno gadu\u00bb laik\u0101 aizdevumus galvoju\u0161i pat septi\u0146i cilv\u0113ki vienlaikus, piem\u0113ram, vec\u0101ki, vecvec\u0101ki un citi radi. T\u0101dos gad\u012bjumos ir skaidrs, ka cilv\u0113ka maks\u0101tsp\u0113ja ir problem\u0101tiska.<\/span><\/p>\n

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

 <\/p>\n

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

Ir daudzi un da\u017e\u0101di aspekti, kas cilv\u0113kiem j\u0101p\u0101rdom\u0101, \u0146emot kred\u012btus. Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161 un valdes loceklis<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-383","post","type-post","status-publish","format-standard","hentry","category-aktuali"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/383","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=383"}],"version-history":[{"count":3,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/383\/revisions"}],"predecessor-version":[{"id":388,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/383\/revisions\/388"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}