ECB pauze procentu likmju politik\u0101<\/p>\n
Eiropas Centr\u0101l\u0101 banka (ECB) \u0161obr\u012bd iev\u0113ro piesardz\u012bgu nost\u0101ju procentu likmju jaut\u0101jum\u0101, iepauz\u0113jot turpm\u0101kus mazin\u0101jumus vai paaugstin\u0101jumus. P\u0113c akt\u012bvas b\u0101zes likmju cel\u0161anas infl\u0101cijas apkaro\u0161anas nol\u016bkos un sekojo\u0161as samazin\u0101\u0161anas, ECB ir non\u0101kusi pie stabilit\u0101tes perioda. \u0160\u012b nost\u0101ja, kas tika saglab\u0101ta ar\u012b 2025. gada nogal\u0113 un tiek prognoz\u0113ta ar\u012b uz 2026. gada s\u0101kumu, noz\u012bm\u0113, ka galven\u0101s ECB procentu likmes \u2013 depoz\u012btu iesp\u0113jas, galveno refinans\u0113\u0161anas oper\u0101ciju un aizdevumu iesp\u0113ju likmes \u2013 pagaid\u0101m paliek nemain\u012bgas. 2025. gada decembr\u012b depoz\u012btu iesp\u0113jas likme bija 2,00%, galveno refinans\u0113\u0161anas oper\u0101ciju likme 2,15%, bet aizdevumu iesp\u0113ju likme 2,40% . \u0160\u0101da stabilit\u0101te ir gaid\u0101ma ar\u012b turpm\u0101k, jo ECB uzrauga infl\u0101cijas dinamiku un ekonomikas att\u012bst\u012bbu, cen\u0161oties izvair\u012bties no priek\u0161laic\u012bgiem vai nepareiziem l\u0113mumiem .<\/p>\n
Euribor likmes un kred\u012btu izmaksas Latvij\u0101<\/p>\n
Lai gan ECB ir nostabiliz\u0113jusi savas b\u0101zes likmes, tas nenoz\u012bm\u0113 t\u016bl\u012bt\u0113ju un iev\u0113rojamu izmai\u0146u kred\u012btu procentu likm\u0113s, \u012bpa\u0161i m\u0101jok\u013cu kred\u012btiem, kas bie\u017ei vien tiek piesaist\u012bti pie Euribor likm\u0113m. Euribor likmes, kas atspogu\u013co starpbanku aiz\u0146em\u0161an\u0101s izmaksas, ir jau zin\u0101m\u0101 m\u0113r\u0101 atspogu\u013coju\u0161as ECB politikas izmai\u0146as un tirgus dal\u012bbnieku gaidas . Pa\u0161reiz\u0113j\u0101s prognozes liecina, ka 3 m\u0113ne\u0161u Euribor likme 2026. gada s\u0101kum\u0101 var\u0113tu tur\u0113ties ap 2,03%, bet 6 m\u0113ne\u0161u Euribor ap 2,155% . Ilgtermi\u0146\u0101 prognozes paredz pak\u0101penisku \u0161o likmju samazin\u0101\u0161anos, piem\u0113ram, 3 m\u0113ne\u0161u Euribor 2027. gad\u0101 var\u0113tu b\u016bt ap 1,78% . Latvijas banku kred\u012bt\u0146\u0113m\u0113jiem tas noz\u012bm\u0113, ka, lai gan \u012bstermi\u0146\u0101 asas izmai\u0146as nav gaid\u0101mas, ir svar\u012bgi sekot l\u012bdzi gan Euribor, gan banku noteiktaj\u0101m pievienotaj\u0101m likm\u0113m, kas kop\u0101 veido gal\u012bgo kred\u012bta izmaksu. J\u0101atz\u012bm\u0113, ka Latvij\u0101 vid\u0113j\u0101 jauno hipot\u0113kas kred\u012btu procentu likme ir viena no augst\u0101kaj\u0101m eirozon\u0101, sasniedzot 3,78% 2025. gada nogal\u0113 .<\/p>\n
Ekonomisk\u0101 situ\u0101cija un prognozes Latvij\u0101<\/p>\n
Latvijas Bankas jaun\u0101k\u0101s makroekonomisk\u0101s prognozes (2025. gada decembris) paredz, ka 2026. gad\u0101 Latvijas iek\u0161zemes kopprodukts (IKP) pieaugs par 2,8% . \u0160o izaugsmi veicin\u0101s gan iek\u0161zemes, gan \u0101r\u0113jais piepras\u012bjums, ko atbalst\u012bs invest\u012bcijas, priv\u0101tais pat\u0113ri\u0146\u0161 un eksports. Tom\u0113r infl\u0101cijas prognozes ir nedaudz uzlabotas, un 2026. gad\u0101 t\u0101 tiek prognoz\u0113ta 3,2% apm\u0113r\u0101 . Lai gan kop\u0113j\u0101 eirozonas infl\u0101cija tiek prognoz\u0113ta zem\u0101ka (1,9% 2026. gad\u0101), Latvijas gad\u012bjum\u0101 to ietekm\u0113 pieaugo\u0161\u0101s algas un p\u0101rtikas cenu dinamika .<\/p>\n
Ko sagaid\u012bt kred\u012bt\u0146\u0113m\u0113jiem 2026. gad\u0101?<\/p>\n
\u0145emot v\u0113r\u0101 ECB nost\u0101ju un tirgus prognozes, 2026. gad\u0101 nav sagaid\u0101ms strauj\u0161 kred\u012btu izmaksu kritums. Kred\u012bt\u0146\u0113m\u0113jiem, \u012bpa\u0161i tiem, kas pl\u0101no \u0146emt jaunu kred\u012btu vai kuru kred\u012bta likme ir piesaist\u012bta main\u012bgajiem procentiem, ir svar\u012bgi saglab\u0101t piesardz\u012bbu. Lai gan Euribor likmes var\u0113tu pak\u0101peniski samazin\u0101ties, banku noteikt\u0101s pievienot\u0101s likmes un kop\u0113j\u0101 ekonomisk\u0101 situ\u0101cija Latvij\u0101 joproj\u0101m var ietekm\u0113t gal\u012bgo maks\u0101jumu.<\/p>\n
\u0160obr\u012bd situ\u0101cija ir stabila, un ECB ir nostabiliz\u0113jusi galven\u0101s procentu likmes . Tom\u0113r, ja ekonomikas dati r\u0101d\u012bs infl\u0101cijas turpm\u0101ku mazin\u0101\u0161anos un tautsaimniec\u012bbas pieaugumu, var\u0113tu tikt apsv\u0113rti turpm\u0101ki procentu likmju mazin\u0101jumi. L\u012bdz tam, kred\u012bt\u0146\u0113m\u0113jiem ieteicams sekot l\u012bdzi tirgus tendenc\u0113m un apsv\u0113rt fiks\u0113tas procentu likmes priek\u0161roc\u012bbas, ja tas ir iesp\u0113jams un izdev\u012bgi.<\/p>\n","protected":false},"excerpt":{"rendered":"ECB pauze procentu likmju politik\u0101 Eiropas Centr\u0101l\u0101 banka (ECB) \u0161obr\u012bd iev\u0113ro piesardz\u012bgu nost\u0101ju procentu likmju jaut\u0101jum\u0101, iepauz\u0113jot turpm\u0101kus…\n","protected":false},"author":2,"featured_media":109914,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,548,23553,3626,35,39,38,36,37,34,40,549],"class_list":{"0":"post-109913","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bizness","9":"tag-business","10":"tag-ecb","11":"tag-euribor","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-procentu-likmes"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115931838083448758","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/109913","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=109913"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/109913\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/109914"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=109913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=109913"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=109913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}