{"id":3057,"date":"2025-09-23T14:58:12","date_gmt":"2025-09-23T14:58:12","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/3057\/"},"modified":"2025-09-23T14:58:12","modified_gmt":"2025-09-23T14:58:12","slug":"ka-mainijusies-hipotekaro-kreditu-ikmenesa-maksajumi-baltijas-valstis-dienas-bizness","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/3057\/","title":{"rendered":"K\u0101 main\u012bju\u0161ies hipotek\u0101ro kred\u012btu ikm\u0113ne\u0161a maks\u0101jumi Baltijas valst\u012bs :: Dienas Bizness"},"content":{"rendered":"<p class=\"text-font font-size--text-xlarge margin-3--bottom font-weight--bold padding-1--top\">Latvij\u0101 vid\u0113j\u0101 aizdevuma summa 2025. gada laik\u0101 bijusi par 25\u201335 % zem\u0101ka nek\u0101 Igaunij\u0101 un Lietuv\u0101, kas galvenok\u0101rt skaidrojams ar zem\u0101ku m\u0101jok\u013cu cenu l\u012bmeni, liecina bankas Citadele dati.<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">Vienlaikus vid\u0113j\u0101 hipotek\u0101r\u0101 aizdevuma summa Latvij\u0101 gada laik\u0101 pieaugusi par aptuveni 10 000 eiro, jo EURIBOR likmes kritums par 2 % padar\u012bjis m\u0101jok\u013ca aizdevumu tirgu pieejam\u0101ku un izdev\u012bg\u0101ku pat\u0113r\u0113t\u0101jiem, \u013caujot iedz\u012bvot\u0101jiem at\u013cauties d\u0101rg\u0101kus \u012bpa\u0161umus.<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">Bankas Citadele m\u0101jok\u013cu tirgus eksperts Artis Zei\u013ca nor\u0101da, ka R\u012bg\u0101 saglab\u0101jas pieejam\u0101kas m\u0101jok\u013cu cenas, kam\u0113r Tallin\u0101 un Vi\u013c\u0146\u0101 m\u0101jok\u013cu d\u0101rdz\u012bba palielina ikm\u0113ne\u0161a kred\u012btu summas. Iemesls k\u0101p\u0113c Igaunij\u0101 un Lietuv\u0101 ir augst\u0101kas hipotek\u0101r\u0101 aizdevuma summas ir cie\u0161i saist\u012bts ar augst\u0101ku \u012bpa\u0161umu cenu, kas visizteikt\u0101k v\u0113rojama Igaunij\u0101, \u012bpa\u0161i Tallin\u0101. Tur l\u012bdzv\u0113rt\u012bga \u012bpa\u0161uma cena galvaspils\u0113tas centr\u0101 var b\u016bt pat par 60 % augst\u0101ka nek\u0101 R\u012bg\u0101, t\u0101d\u0113\u013c ar\u012b hipotek\u0101rie kred\u012bti tiek izsniegti liel\u0101k\u0101s summ\u0101s.<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">Latvijas hipotek\u0101ro kred\u012btu vid\u0113jo summu b\u016btiski ietekm\u0113 tas, ka m\u016bsu tirg\u016b joproj\u0101m ir pieejami sal\u012bdzino\u0161i daudz \u012bpa\u0161umi zem\u0101k\u0101s cenu kategorij\u0101s. R\u012bg\u0101 iesp\u0113jams ieg\u0101d\u0101ties padomju laika s\u0113rijveida dz\u012bvok\u013cus par 700\u2013800 eiro kvadr\u0101tmetr\u0101, kas Lietuvas un Igaunijas galvaspils\u0113t\u0101s ir praktiski neiesp\u0113jami. Tie\u0161i \u0161\u0101di dar\u012bjumi 40\u201360 t\u016bksto\u0161u eiro v\u0113rt\u012bb\u0101 veido liel\u0101ko da\u013cu no kop\u0113j\u0101 tirgus.<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">Sal\u012bdzinot Baltijas valstis, Latvij\u0101 vid\u0113jais hipotek\u0101r\u0101 kred\u012bta maks\u0101jums m\u0113nes\u012b ir 520 eiro, kam\u0113r Lietuv\u0101 tas ir par 160 eiro liel\u0101ks jeb 680 eiro m\u0113nes\u012b. Igaunij\u0101 tas ir visliel\u0101kais un sasniedz 760 eiro m\u0113nes\u012b. Tom\u0113r at\u0161\u0137ir\u012bgais algu l\u012bmenis katr\u0101 valst\u012b noz\u012bm\u0113 ar\u012b at\u0161\u0137ir\u012bgu hipotek\u0101ro kred\u012btu maks\u0101jumu slogu iedz\u012bvot\u0101jiem, skaidro A.Zei\u013ca.<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">Latvij\u0101 hipotek\u0101r\u0101 maks\u0101juma slogs veido p\u0101rliecino\u0161i maz\u0101ku da\u013cu nek\u0101 cit\u0101s Baltijas valst\u012bs jeb ap 38,7 % no ien\u0101kumiem, kam\u0113r Igaunij\u0101 tie ir 44,9 %. Savuk\u0101rt Lietuv\u0101, lai gan ikm\u0113ne\u0161a maks\u0101jums ir par aptuveni 80 eiro zem\u0101ks nek\u0101 Igaunij\u0101, tas veido gandr\u012bz pusi no iedz\u012bvot\u0101ju ien\u0101kumiem (46,8 %).<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">Pozit\u012bvs pav\u0113rsiens Baltijas valstu hipotek\u0101r\u0101 kred\u012btu tirg\u016b ir v\u0113rojams, pateicoties EURIBOR likmes samazin\u0101jumam, kas sal\u012bdzin\u0101jum\u0101 ar 2024. gada s\u0101kumu ir kritusies par aptuveni 2 %. Tas padar\u012bjis aizdevumus pieejam\u0101kus, \u012bpa\u0161i liel\u0101kiem pirkumiem, piem\u0113ram, priv\u0101tm\u0101j\u0101m vai dz\u012bvok\u013ciem jaunajos projektos. L\u012bdz ar to Latvij\u0101 vid\u0113j\u0101 aizdevuma summa gada laik\u0101 pat pieaugusi par 10 000 eiro.<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">Tas liecina, ka iedz\u012bvot\u0101ji nevis izv\u0113las maz\u0101kus un l\u0113t\u0101kus m\u0101jok\u013cus, bet tie\u0161i pret\u0113ji \u2013 izmanto labv\u0113l\u012bg\u0101kus nosac\u012bjumus, lai at\u013cautos d\u0101rg\u0101kus \u012bpa\u0161umus, kur kred\u012btu summas p\u0101rsniedz 100 000 eiro un bie\u017ei vien sasniedz ar\u012b 200 000 eiro.<\/p>\n<p class=\"text-font font-size--text-xlarge margin-3--bottom\">\u0160\u012b tendence vienl\u012bdz ietekm\u0113 visus Baltijas tirgus, sniedzot iedz\u012bvot\u0101jiem iesp\u0113ju uzlabot savu finansi\u0101lo situ\u0101ciju un papla\u0161in\u0101t m\u0101jok\u013cu izv\u0113li. Piem\u0113ram, jauna 100 000 eiro aizdevuma uz 30 gadiem ikm\u0113ne\u0161a maks\u0101jums ir sarucis par aptuveni 28 %, no 519 l\u012bdz 405 eiro. \u0160\u012b proporcija darbojas vien\u0101di Latvij\u0101, Lietuv\u0101 un Igaunij\u0101. Jo liel\u0101ka aizdevuma summa, jo j\u016btam\u0101ka ietaup\u012bjuma ietekme uz \u0123imenes bud\u017eetu.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvij\u0101 vid\u0113j\u0101 aizdevuma summa 2025. gada laik\u0101 bijusi par 25\u201335 % zem\u0101ka nek\u0101 Igaunij\u0101 un Lietuv\u0101, kas galvenok\u0101rt&hellip;\n","protected":false},"author":2,"featured_media":3058,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,869,77,870,28,29,867,32,33,22,30,31,35,39,38,36,37,34,871,868,40,20,26,27,24,25,21],"class_list":{"0":"post-3057","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-biznesa-zinas","10":"tag-bizness","11":"tag-bizness-latvija","12":"tag-breaking-news","13":"tag-breakingnews","14":"tag-dienas-zinas","15":"tag-featured-news","16":"tag-featurednews","17":"tag-headlines","18":"tag-latest-news","19":"tag-latestnews","20":"tag-latvia","21":"tag-latvian","22":"tag-latviesu","23":"tag-latviesu-valoda","24":"tag-latviesuvaloda","25":"tag-latvija","26":"tag-latvijas-biznesa-zinas","27":"tag-latvijas-zinas","28":"tag-lv","29":"tag-news","30":"tag-popularakas-zinas","31":"tag-popularakaszinas","32":"tag-top-stories","33":"tag-topstories","34":"tag-zinas"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/3057","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=3057"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/3057\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/3058"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=3057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=3057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=3057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}