Jaunie pieaugu\u0161ie Latvij\u0101 aiz\u0146emas teju divreiz bie\u017e\u0101k nek\u0101 citas paaudzes, 70 % m\u0101jsaimniec\u012bbu, kuras veido iedz\u012bvot\u0101ji vecum\u0101 no 16 l\u012bdz 34 gadiem, ir k\u0101das par\u0101dsaist\u012bbas, kam\u0113r vid\u0113ji Latvij\u0101 t\u0101s ir 36 % iedz\u012bvot\u0101ju, liecina Latvijas Bankas dati. L\u012bdz\u012bgas tendences ir vis\u0101 Eirop\u0101.<\/p>\n
Taj\u0101 pa\u0161\u0101 laik\u0101 lielai da\u013cai iedz\u012bvot\u0101ju, kas \u0161obr\u012bd jau ir pensijas vecum\u0101, t\u0101ds produkts k\u0101 kred\u012bts m\u0101jok\u013ca ieg\u0101dei nebija nepiecie\u0161ams, jo liela da\u013ca no vec\u0101 dz\u012bvojam\u0101 fonda cilv\u0113ku r\u012bc\u012bb\u0101 non\u0101ca privatiz\u0101cijas vai nomaksas ce\u013c\u0101. Tas daudz\u0101m \u0123imen\u0113m kalpoja k\u0101 pamats v\u0113l\u0101kai m\u0101jok\u013ca mai\u0146ai. Joproj\u0101m Latvij\u0101 m\u0101jok\u013cu \u012bpa\u0161umties\u012bbas ir krietni virs Eiropas vid\u0113j\u0101, sasniedzot teju 84 %. Savuk\u0101rt jaun\u0101kaj\u0101m paaudz\u0113m m\u0101jok\u013ca ieg\u0101dei un citiem noz\u012bm\u012bgiem dz\u012bves m\u0113r\u0137iem nepiecie\u0161ams aiz\u0146emties vair\u0101k nek\u0101 iepriek\u0161\u0113j\u0101m.<\/p>\n
Bie\u017e\u0101k kred\u012btsaist\u012bbas m\u0101jsaimniec\u012bb\u0101s, kur\u0101s atsauces persona ir 16 l\u012bdz 34 gadus veca, veido kred\u012bts m\u0101jok\u013ca ieg\u0101dei, t\u0101ds ir vismaz katram piektajam (23 %), un praktiski visi hipotek\u0101rie kred\u012bti ir saist\u012bti ar m\u0101jsaimniec\u012bbas galven\u0101 m\u0101jok\u013ca ieg\u0101di. Savuk\u0101rt vismaz pusei m\u0101jsaimniec\u012bbu \u0161aj\u0101 vecuma grup\u0101 ir ar hipotek\u0101ro kred\u012btu nesaist\u012bts par\u0101ds (57 %), kas ir gandr\u012bz divreiz bie\u017e\u0101k nek\u0101 vid\u0113ji Latvij\u0101.<\/p>\n
Vienlaikus kredit\u0113\u0161anas apjomi Latvij\u0101 turpina pieaugt \u2013 iedz\u012bvot\u0101ji arvien vair\u0101k atg\u016bst v\u0113lmi pie\u0146emt ilgtermi\u0146a l\u0113mumus par ieguld\u012bjumiem sav\u0101 n\u0101kotn\u0113. \u0160\u012b gada pirmaj\u0101 pusgad\u0101 m\u016bsu bank\u0101 m\u0101jok\u013cu kredit\u0113\u0161anas apjoms klientiem Latvij\u0101 auga par 13 % sal\u012bdzin\u0101jum\u0101 ar t\u0101du pa\u0161u periodu pag\u0101ju\u0161aj\u0101 gad\u0101, kur\u0101 jau nov\u0113roj\u0101m pieaugumu. J\u016bnijs bija akt\u012bv\u0101kais m\u0113nesis l\u012bdz \u0161im.<\/p>\n
Mainoties sabiedr\u012bbas uzskatiem, main\u0101s ar\u012b pied\u0101v\u0101jums<\/p>\n
Ar\u012b Eiropas Centr\u0101l\u0101s bankas M\u0101jsaimniec\u012bbu finan\u0161u un pat\u0113ri\u0146a apsekojums apstiprina l\u012bdz\u012bgu tendenci vis\u0101 eirozon\u0101. Jauno pieaugu\u0161o (16\u201334 gadi) m\u0101jsaimniec\u012bb\u0101m ir visaugst\u0101k\u0101 par\u0101da attiec\u012bba pret akt\u012bviem \u2013 piem\u0113ram, m\u0101jok\u013ca, automa\u0161\u012bnas un uzkr\u0101jumu v\u0113rt\u012bbu \u2013, sasniedzot 45 %. Tas noz\u012bm\u0113, ka gandr\u012bz puse no \u0161o m\u0101jsaimniec\u012bbu piedero\u0161\u0101 m\u0101jok\u013ca, automa\u0161\u012bnas un citu akt\u012bvu v\u0113rt\u012bbas ir finans\u0113ta ar kred\u012btiem.<\/p>\n
\u0145emot v\u0113r\u0101, ka pak\u0101peniski samazin\u0101s emocion\u0101l\u0101 barjera pret aiz\u0146em\u0161anos, kas daudziem veidojusies p\u0101rdz\u012bvojot finan\u0161u kr\u012bzi 2008. gad\u0101, daudz popul\u0101r\u0101ki ir k\u013cuvu\u0161i ar\u012b pat\u0113ri\u0146a kred\u012bti. Pat\u0113ri\u0146a kred\u012btu bank\u0101 bie\u017e\u0101k izv\u0113las sa\u0146emt ekonomiski akt\u012bvi iedz\u012bvot\u0101ji vecum\u0101 no vid\u0113ji 30 l\u012bdz 50 gadiem, profesion\u0101\u013ci ar stabiliem ien\u0101kumiem. Vair\u0101k nek\u0101 pusei pat\u0113ri\u0146a kred\u012bta \u0146\u0113m\u0113ju ien\u0101kumi uz vienu pieaugu\u0161o m\u0101jsaimniec\u012bbas locekli sasniedz aptuveni 1900 eiro m\u0113nes\u012b p\u0113c nodok\u013cu nomaksas.<\/p>\n
M\u016bsu aptaujas liecina, ka visliel\u0101k\u0101s aizdevumu summas tiek izmantots m\u0101jok\u013ca remontam un labiek\u0101rto\u0161anai, automa\u0161\u012bnas remontam vai ieg\u0101dei, bet p\u0113d\u0113jos gados arvien bie\u017e\u0101k ar\u012b vesel\u012bbas apr\u016bpes, tostarp zob\u0101rstniec\u012bbas, izdevumu seg\u0161anai. Piepras\u012bjuma k\u0101pums p\u0113c aizdevumiem, k\u0101 ar\u012b sabiedr\u012bbas uzskatu un dom\u0101\u0161anas p\u0101rmai\u0146as, sekm\u0113 jauna veida pied\u0101v\u0101juma ra\u0161anos finan\u0161u tirg\u016b, piem\u0113ram, piln\u012bb\u0101 att\u0101lin\u0101tu un digit\u0101lu kred\u012bta sa\u0146em\u0161anu un citus elast\u012bgus finans\u0113\u0161anas risin\u0101jumus. Ir tikai pamatoti, ka l\u012bdz ar tik v\u0113rien\u012bg\u0101m p\u0101rmai\u0146\u0101m main\u0101s ar\u012b seni priek\u0161stati, kas vairs neatbilst \u0161odienas pasaulei.<\/p>\n
Interes\u0113 \u0161\u012b t\u0113ma? S\u0101c sekot \u0161iem atsl\u0113gas v\u0101rdiem un sa\u0146em pazi\u0146ojumus, kad ir pieejams jauns saturs!<\/p>\n","protected":false},"excerpt":{"rendered":"Jaunie pieaugu\u0161ie Latvij\u0101 aiz\u0146emas teju divreiz bie\u017e\u0101k nek\u0101 citas paaudzes, 70 % m\u0101jsaimniec\u012bbu, kuras veido iedz\u012bvot\u0101ji vecum\u0101 no…\n","protected":false},"author":2,"featured_media":278039,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[16],"tags":[77,76,35,39,38,36,37,34,40],"class_list":["post-278038","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bizness","tag-bizness","tag-business","tag-latvia","tag-latvian","tag-latviesu","tag-latviesu-valoda","tag-latviesuvaloda","tag-latvija","tag-lv"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/117160929136293323","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/278038","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=278038"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/278038\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/278039"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=278038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=278038"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=278038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}