Kred\u012btu jaut\u0101jumi p\u0113c m\u0101jok\u013ca zaud\u0113juma un uz\u0146\u0113mumu perspekt\u012bvas<\/p>\n
2026. gada s\u0101kum\u0101 Latvijas ekonomiskaj\u0101 ainav\u0101 turpina past\u0101v\u0113t da\u017e\u0101das norises, kas ietekm\u0113 gan iedz\u012bvot\u0101jus, gan uz\u0146\u0113mumus. Lai gan nav specifisku jaunu likumu vai noteikumu, kas tie\u0161i regul\u0113tu kred\u012btu atmaksu gad\u012bjumos, kad m\u0101joklis ir izpost\u012bts, banku un kred\u012bt\u0146\u0113m\u0113ju attiec\u012bbas \u0161\u0101d\u0101s situ\u0101cij\u0101s parasti tiek risin\u0101tas individu\u0101li, \u0146emot v\u0113r\u0101 apdro\u0161in\u0101\u0161anas segumu un l\u012bguma nosac\u012bjumus.<\/p>\n
Finan\u0161u instit\u016bcijas un kred\u012bt\u0146\u0113m\u0113ji bie\u017ei mekl\u0113 risin\u0101jumus, lai pal\u012bdz\u0113tu klientiem, kas non\u0101ku\u0161i nelabv\u0113l\u012bg\u0101 situ\u0101cijas, piem\u0113ram, pied\u0101v\u0101jot kred\u012bta atlik\u0161anu vai restrukturiz\u0101ciju. Tom\u0113r katrs gad\u012bjums ir unik\u0101ls un atkar\u012bgs no konkr\u0113t\u0101 l\u012bguma deta\u013c\u0101m un apdro\u0161in\u0101\u0161anas politikas.<\/p>\n
Ra\u017eo\u0161anas nozar\u0113 kopum\u0101 v\u0113rojams piesardz\u012bgs optimisms. “Luminor” bankas aptaujas liecina, ka 33% Latvijas uz\u0146\u0113mumu 2026. gad\u0101 pl\u0101no papla\u0161in\u0101t savu darb\u012bbu, palielinot p\u0101rdo\u0161anas vai ra\u017eo\u0161anas apjomus (48%) un iepaz\u012bstinot ar jauniem produktiem vai pakalpojumiem (40%). Kopum\u0101 Latvijas uz\u0146\u0113m\u0113ji ir visoptimistisk\u0101kie starp Baltijas valst\u012bm. Viens no galvenajiem faktoriem, kas veicina \u0161o optimismu, ir pieaugo\u0161ais pat\u0113r\u0113t\u0101ju optimisms, kredit\u0113\u0161anas piepras\u012bjuma pieaugums un algu k\u0101pums.<\/p>\n
Auto tirgus tendences un prognozes 2026. gad\u0101<\/p>\n
Automa\u0161\u012bnu tirg\u016b 2026. gad\u0101 joproj\u0101m ir v\u0113rojamas vair\u0101kas tendences. Jauno automa\u0161\u012bnu segment\u0101 ir nov\u0113rots iev\u0113rojams pieaugums; 2025. gada pirmaj\u0101 pusgad\u0101 Latvij\u0101 re\u0123istr\u0113ts par 29,7% vair\u0101k jaunu automobi\u013cu nek\u0101 gadu iepriek\u0161. \u0160o izaugsmi veicina l\u012bzinga dar\u012bjumu pieaugums un korporat\u012bvie dar\u012bjumi, \u012bpa\u0161i auto nomas uz\u0146\u0113mumu aktivit\u0101te.<\/p>\n
Lietoto automa\u0161\u012bnu tirg\u016b piepras\u012bt\u0101kie z\u012bmoli joproj\u0101m ir BMW, Volvo un Volkswagen, ta\u010du pieaug interese par jap\u0101\u0146u z\u012bmoliem k\u0101 Toyota un Honda, ko uzskata par uzticamiem un ekonomiskiem. Lai gan infl\u0101cija un augst\u0101s kred\u012btlikmes ir ietekm\u0113ju\u0161as p\u0101rdo\u0161anas apjomus, pat\u0113r\u0113t\u0101ji mekl\u0113 l\u0113t\u0101kas alternat\u012bvas.<\/p>\n
Elektroauto popularit\u0101te turpina pieaugt gan jaunu, gan lietotu transportl\u012bdzek\u013cu segment\u0101. Lai gan Latvij\u0101 elektroauto uzl\u0101des infrastrukt\u016bra v\u0113l nav tik att\u012bst\u012bta k\u0101 Rietumeirop\u0101, pieaug piepras\u012bjums p\u0113c \u0161iem transportl\u012bdzek\u013ciem. Eiropas Savien\u012bb\u0101 no 2024. gada vasaras visiem jaunajiem automobi\u013ciem oblig\u0101ts apr\u012bkojums ir noteiktas akt\u012bv\u0101s dro\u0161\u012bbas tehnolo\u0123ijas, kas noz\u012bm\u0113, ka 2026. gad\u0101 visi jaunie auto b\u016bs apr\u012bkoti ar \u0161\u012bm sist\u0113m\u0101m.<\/p>\n
Ekonomikas prognozes un infl\u0101cija Latvij\u0101<\/p>\n
Latvijas Bankas decembr\u012b sagatavot\u0101s makroekonomisk\u0101s prognozes liecina, ka iek\u0161zemes kopprodukta (IKP) pieaugums 2026. gad\u0101 paredz\u0113ts 1,7% apm\u0113r\u0101. Tom\u0113r citi anal\u012bti\u0137i ir optimistisk\u0101ki, prognoz\u0113jot IKP pieaugumu par 2,8%. Paredzams, ka tautsaimniec\u012bbas atvese\u013co\u0161anos virz\u012bs invest\u012bcijas, priv\u0101tais pat\u0113ri\u0146\u0161 un eksports.<\/p>\n
Infl\u0101cijas zi\u0146\u0101 paredzams, ka t\u0101 saglab\u0101sies m\u0113rena. 2026. gad\u0101 infl\u0101cija Latvij\u0101 prognoz\u0113ta 3,2% apm\u0113r\u0101, kas ir sam\u0113r\u0101 stabils r\u0101d\u012bt\u0101js sal\u012bdzin\u0101jum\u0101 ar iepriek\u0161\u0113jiem gadiem. Lai gan p\u0101rtikas cenu pieaugums ir pierimis, to joproj\u0101m veicina algu pieaugums un notur\u012bgi augstas p\u0101rtikas cenas. Eiropas Centr\u0101l\u0101s bankas (ECB) prognozes liecina, ka infl\u0101cija eirozon\u0101 2026. gad\u0101 sasniegs 1,9%.<\/p>\n
M\u0101jok\u013ca kred\u012btu tirgus un izmai\u0146as<\/p>\n
M\u0101jok\u013ca kred\u012btu tirgus Latvij\u0101 turpina pied\u0101v\u0101t da\u017e\u0101das iesp\u0113jas iedz\u012bvot\u0101jiem. Kred\u012btu nosac\u012bjumi un procentu likmes var at\u0161\u0137irties atkar\u012bb\u0101 no bankas un klienta individu\u0101l\u0101s situ\u0101cijas. Kop\u0113j\u0101 atmaks\u0101jam\u0101 summa var b\u016bt iev\u0113rojami augst\u0101ka nek\u0101 s\u0101kotn\u0113j\u0101 kred\u012bta summa, \u012bpa\u0161i pie main\u012bg\u0101m procentu likm\u0113m un ilgtermi\u0146a atmaksas termi\u0146iem (l\u012bdz 30 gadiem).<\/p>\n
Ir pieejami ar\u012b \u012bpa\u0161i produkti, piem\u0113ram, \u201cza\u013cie m\u0101jok\u013ca kred\u012bti\u201d, kas paredz\u0113ti energoefekt\u012bvu m\u0101jok\u013cu ieg\u0101dei vai b\u016bvniec\u012bbai, pied\u0101v\u0101jot izdev\u012bg\u0101kus nosac\u012bjumus. Maziem m\u0101jok\u013ca kred\u012btiem l\u012bdz 30 000 EUR ar fiks\u0113tu procentu likmi no 6,8% gad\u0101 ir iesp\u0113ja tos atmaks\u0101t pirms termi\u0146a bez papildu komisijas maks\u0101m.<\/p>\n
Uz\u0146\u0113m\u0113jdarb\u012bbas vides un inov\u0101ciju perspekt\u012bvas<\/p>\n
Latvijas uz\u0146\u0113m\u0113jdarb\u012bbas vide 2026. gad\u0101 tiek rakturota k\u0101 stabila, bet ar potenci\u0101lu izaugsmei. Aptaujas liecina, ka vair\u0101k nek\u0101 puse (55%) mazo un vid\u0113jo uz\u0146\u0113mumu pl\u0101no saglab\u0101t stabilu vai palielin\u0101t uz\u0146\u0113m\u0113jdarb\u012bbas izaugsmi. R\u012bgas re\u0123iona uz\u0146\u0113mumi ir visoptimistisk\u0101kie, kam\u0113r Latgales uz\u0146\u0113m\u0113ji izr\u0101da liel\u0101ku piesardz\u012bbu.<\/p>\n
Inov\u0101ciju un tehnolo\u0123iju jom\u0101 R\u012bg\u0101 paredz\u0113ts atbalsts jaunuz\u0146\u0113mumu ekosist\u0113mai 2026. gad\u0101 ar 220 t\u016bksto\u0161iem eiro. Kopum\u0101 abu programmu bud\u017eets jaunuz\u0146\u0113mumu atbalstam pl\u0101nots 420 t\u016bksto\u0161i eiro.<\/p>\n","protected":false},"excerpt":{"rendered":"Kred\u012btu jaut\u0101jumi p\u0113c m\u0101jok\u013ca zaud\u0113juma un uz\u0146\u0113mumu perspekt\u012bvas 2026. gada s\u0101kum\u0101 Latvijas ekonomiskaj\u0101 ainav\u0101 turpina past\u0101v\u0113t da\u017e\u0101das norises,…\n","protected":false},"author":2,"featured_media":104524,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[9098,77,76,47,3626,35,39,38,36,37,34,40,13279],"class_list":{"0":"post-104523","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-auto-tirgus","9":"tag-bizness","10":"tag-business","11":"tag-ekonomika","12":"tag-krediti","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-lv","20":"tag-razosana"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115894187644436194","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/104523","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=104523"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/104523\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/104524"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=104523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=104523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=104523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}