{"id":479,"date":"2015-08-19T12:50:54","date_gmt":"2015-08-19T12:50:54","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=479"},"modified":"2015-08-19T12:54:19","modified_gmt":"2015-08-19T12:54:19","slug":"izvertejot-kredita-pieskirsanu-banka-nem-vera-ne-tikai-ienakumus-bet-ari-izdevumus","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=479","title":{"rendered":"Izv\u0113rt\u0113jot kred\u012bta pie\u0161\u0137ir\u0161anu, banka \u0146em v\u0113r\u0101 ne tikai ien\u0101kumus, bet ar\u012b izdevumus"},"content":{"rendered":"<p><strong>Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas konsultants Aivars Rudi, v\u0113rt\u0113jot kred\u012bta izsnieg\u0161anas nosac\u012bjumus, \u0161aub\u0101s, vai iesp\u0113jams prognoz\u0113t, kas ar \u0123imenes ien\u0101kumiem notiks 30 gadu perspekt\u012bv\u0101.<\/strong><\/p>\n<div id=\"knc_lv\">\n<p>Latvij\u0101 hipotek\u0101r\u0101s kredit\u0113\u0161anas tirgus sakust\u0113jies un \u0161\u0101 gada pirmaj\u0101 pusgad\u0101 izsniegto hipotek\u0101ro kred\u012btu skaits sal\u012bdzin\u0101jum\u0101 ar 2014. gada pirmo pusgadu pieaudzis par 3%, bet izsniegto kred\u012btu apjoms naudas izteiksm\u0113 pieaudzis par 8%, st\u0101sta Latvijas Komercbanku asoci\u0101cijas ekonomiste \u017danete Glaudi\u0146a.<\/p>\n<\/div>\n<p><!--more--><\/p>\n<p>&nbsp;<\/p>\n<p>Ar\u012b <em>Dienas<\/em> aptauj\u0101t\u0101s komercbankas nor\u0101da, ka izsniegto hipotek\u0101ro kred\u012btu skaitam ir tendence pieaugt. \u012apa\u0161i liela interese kred\u012bt\u0146\u0113m\u0113jiem ir par valsts galvojuma programmu m\u0101jok\u013cu ieg\u0101dei, kuras ietvaros tiek galvota da\u013ca no pirm\u0101s iemaksas, t\u0101d\u0113j\u0101di b\u016btiski samazinot t\u0101s apjomu. Aptauj\u0101t\u0101s komercbankas nor\u0101da, ka vid\u0113ji pirm\u0101 iemaksa hipotek\u0101rajiem kred\u012btiem, kas tiek \u0146emti bez valsts galvojuma, ir 20% apm\u0113r\u0101 no pirkuma ieg\u0101des summas, savuk\u0101rt ar valsts galvojumu &#8211; vid\u0113ji t\u0101 ir 6% apm\u0113r\u0101 no pirkuma ieg\u0101des summas. Te gan j\u0101bilst, ka pirm\u0101 iemaksa atkar\u012bga gan no dz\u012bvok\u013ca atra\u0161an\u0101s vietas, gan laika, kad tas celts, gan t\u0101 tehnisk\u0101 st\u0101vok\u013ca un citiem parametriem.<\/p>\n<p>Analiz\u0113jot hipotek\u0101r\u0101s kredit\u0113\u0161anas nosac\u012bjumus, <em>Diena<\/em> aptauj\u0101ja \u010detras liel\u0101k\u0101s komercbankas &#8211; <em>SEB banku, Swedbank, Nordea<\/em> un <em>Banku Citadele<\/em>. \u0160\u012bm bank\u0101m tika l\u016bgts izskaidrot, k\u0101di b\u016btu hipotek\u0101r\u0101 kred\u012bta pie\u0161\u0137ir\u0161anas nosac\u012bjumi \u0123imenei ar \u010detriem cilv\u0113kiem (divi pieaugu\u0161ie un divi b\u0113rni), kur ir viens peln\u012bt\u0101js ar neto algu 1000 eiro, bet nepiecie\u0161am\u0101 kred\u012bta summa m\u0101jok\u013ca ieg\u0101dei ir 40 000 eiro. <em>SEB banka, Citadele<\/em> un <em>Swedbank<\/em> nor\u0101d\u012bja, ka \u0161\u0101dam kred\u012btam pirm\u0101 iemaksa bez valsts galvojuma b\u016btu 8000 eiro (20% no ieg\u0101des summas), savuk\u0101rt ar valsts galvojumu &#8211; 2350 eiro (5,8% no ieg\u0101des summas). <em>Nordea<\/em> bank\u0101 s\u0113rijveida dz\u012bvok\u013ca ieg\u0101des gad\u012bjum\u0101 pirm\u0101 iemaksa ar valsts galvojumu b\u016btu 10% apm\u0113r\u0101 no ieg\u0101des summas, bet bez valsts galvojuma &#8211; 25% apm\u0113r\u0101. <em>SEB banka<\/em> un\u00a0<em>Swedbank<\/em> hipotek\u0101ro kred\u012btu izsniedz uz 30 gadiem, savuk\u0101rt <em>Nordea<\/em> banka un <em>Citadele<\/em> &#8211; uz 25 gadiem.<\/p>\n<p>Visu aptauj\u0101to banku p\u0101rst\u0101vji uzsv\u0113ra, ka tas ir tikai teor\u0113tisks piem\u0113rs. Praks\u0113 situ\u0101cija b\u016btu at\u0161\u0137ir\u012bga, jo katr\u0101 gad\u012bjum\u0101 l\u0113mums par kred\u012bta pie\u0161\u0137ir\u0161anu b\u016bs individu\u0101ls pat ar vien\u0101diem potenci\u0101lo kred\u012bt\u0146\u0113m\u0113ju ien\u0101kumiem. J\u0101piebilst, ka ar\u012b, analiz\u0113jot \u0161o teor\u0113tisko piem\u0113ru, divas bankas &#8211; <em>Swedbank<\/em> un <em>Nordea<\/em> &#8211; nor\u0101d\u012bja, ka praks\u0113 \u0123imenei ar \u0161\u0101diem ien\u0101kumiem 40 000 eiro kred\u012btu neizsniegtu. <em>Nordea<\/em> Kred\u012btu departamenta vad\u012bt\u0101js Rasmuss P\u0113tersons skaidro: &#8220;Min\u0113taj\u0101 piem\u0113r\u0101 \u0123imenes r\u012bc\u012bb\u0101 ir 250 eiro uz vienu cilv\u0113ku. Ar \u0161o summu j\u0101sedz ikm\u0113ne\u0161a komun\u0101lie maks\u0101jumi, j\u0101ieg\u0101d\u0101jas p\u0101rtika un sadz\u012bvei nepiecie\u0161am\u0101s lietas, j\u0101sedz medic\u012bnas, transporta un citi pakalpojumi. Ikm\u0113ne\u0161a kred\u012bta maks\u0101jums b\u016bs papildu maks\u0101jums, t\u0101p\u0113c uzskat\u0101m, ka \u0161\u012b \u0123imene nevar uz\u0146emties kred\u012btsaist\u012bbas 40 000 eiro v\u0113rta dz\u012bvok\u013ca ieg\u0101dei. Ja ien\u0101kumi b\u016btu pietiekami, \u0123imene ar diviem b\u0113rniem, izmantojot valsts sniegto galvojumu, s\u0113rijveida dz\u012bvok\u013ca ieg\u0101dei var\u0113tu sa\u0146emt l\u012bdz 36 000 eiro lielu aizdevumu. \u0122imenei pa\u0161ai pirkumam b\u016btu j\u0101nodro\u0161ina 4 000 eiro, kas ir 10% no pirkuma dar\u012bjuma. Savuk\u0101rt, ja netiktu izmantota valsts sniegt\u0101 galvojuma iesp\u0113ja, s\u0113rijveida dz\u012bvok\u013ca ieg\u0101dei var\u0113tu sa\u0146emt kred\u012btu l\u012bdz 30 000 eiro un \u0123imenei pa\u0161ai pirkumam b\u016btu j\u0101nodro\u0161ina 10 000 eiro, kas ir 25% no pirkuma dar\u012bjuma.&#8221;<\/p>\n<p>Visi banku speci\u0101listi uzsver, ka, pie\u0161\u0137irot hipotek\u0101ro kred\u012btu, tiek analiz\u0113ti ne tikai kred\u012bt\u0146\u0113m\u0113ja ien\u0101kumi, bet ar\u012b izdevumi un var izr\u0101d\u012bties, ka cilv\u0113ki ar nelieliem ien\u0101kumiem un nelieliem izdevumiem, var sa\u0146emt kred\u012btu, bet cilv\u0113kiem ar liel\u0101kiem ien\u0101kumiem, ja ir ar\u012b lieli izdevumi, kred\u012bts var tikt atteikts. Izdevumi, kas tiek v\u0113rt\u0113ti, ir komun\u0101lie maks\u0101jumi, transporta izdevumi, k\u0101 ar\u012b maksa par telefonu un internetu.<\/p>\n<p><strong>Visu \u017eurn\u0101listes R\u016btas Kesneres rakstu <em>Hipotek\u0101rais tirgus piedz\u012bvo izaugsmi <\/em>lasiet otrdienas, 18.augusta, laikrakst\u0101 <em>Diena!<\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas konsultants Aivars Rudi, v\u0113rt\u0113jot kred\u012bta izsnieg\u0161anas nosac\u012bjumus, \u0161aub\u0101s, vai iesp\u0113jams prognoz\u0113t, kas ar \u0123imenes ien\u0101kumiem notiks 30<\/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-479","post","type-post","status-publish","format-standard","hentry","category-aktuali"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/479","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=479"}],"version-history":[{"count":4,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/479\/revisions"}],"predecessor-version":[{"id":483,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/479\/revisions\/483"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}