K\u0101 samazin\u0101t ikm\u0113ne\u0161a maks\u0101jumus par hipotek\u0101ro kred\u012btu: Latvijas Bankas padomi<\/p>\n
Vai zin\u0101j\u0101t, ka gandr\u012bz katrs ceturtais lielais hipotek\u0101rais kred\u012bts Latvij\u0101 \u0161obr\u012bd ir ar pievienoto procentu likmi, kas p\u0101rsniedz 2%? \u0160\u012b statistika, ko atkl\u0101j Latvijas Bankas Finan\u0161u pieejam\u012bbas p\u0101rskats, ir spilgts sign\u0101ls tiem kred\u012bta \u0146\u0113m\u0113jiem, kuri saskaras ar augst\u0101kiem maks\u0101jumiem. Ir pien\u0101cis laiks apsv\u0113rt iesp\u0113ju p\u0101rskat\u012bt sava kred\u012bta procentu likmi, lai atvieglotu finansi\u0101lo slogu un ietaup\u012btu noz\u012bm\u012bgu naudas summu. \u0160aj\u0101 rakst\u0101 m\u0113s padzi\u013cin\u0101ti apl\u016bkosim Latvijas Bankas sniegtos ieteikumus un sniegsim praktiskus padomus, k\u0101 samazin\u0101t savus ikm\u0113ne\u0161a izdevumus par hipotek\u0101ro kred\u012btu.<\/p>\n
Finansi\u0101l\u0101 realit\u0101te un iesp\u0113jas<\/p>\n
\u0160obr\u012bd, kad finan\u0161u tirgos v\u0113rojama past\u0101v\u012bga dinamika un procentu likmes var strauji main\u012bties, ir \u013coti svar\u012bgi b\u016bt inform\u0113tam un proakt\u012bvam. Ja j\u016bsu hipotek\u0101r\u0101 kred\u012bta pievienot\u0101 procentu likme p\u0101rsniedz 2%, tas noz\u012bm\u0113, ka j\u016bs, iesp\u0113jams, maks\u0101jat vair\u0101k, nek\u0101 tas b\u016btu nepiecie\u0161ams. Latvijas Banka uzsver, ka \u0161\u0101di procentu likmju l\u012bme\u0146i var sniegt finansi\u0101lu motiv\u0101ciju mekl\u0113t izdev\u012bg\u0101kus risin\u0101jumus. Tas nav tikai abstraktu datu kopums, bet gan re\u0101la situ\u0101cija, kas ietekm\u0113 daudzu Latvijas iedz\u012bvot\u0101ju ikdienu un bud\u017eetu.<\/p>\n
Kas ir pievienot\u0101 procentu likme un k\u0101p\u0113c t\u0101 ir svar\u012bga?<\/p>\n
Hipotek\u0101rais kred\u012bts parasti sast\u0101v no div\u0101m da\u013c\u0101m: b\u0101zes likmes (piem\u0113ram, EURIBOR) un bankas pievienot\u0101s likmes jeb mar\u017eas. Tie\u0161i \u0161\u012b pievienot\u0101 likme ir t\u0101, ko banka pievieno savas pe\u013c\u0146as nol\u016bkos. Lai gan b\u0101zes likmes main\u0101s atbilsto\u0161i tirgus situ\u0101cijai, bankas pievienot\u0101 likme bie\u017ei vien ir fiks\u0113ta ilg\u0101kam laika periodam. Tom\u0113r, ja kred\u012bts ir pa\u0146emts sen\u0101k vai taj\u0101 br\u012bd\u012b tirgus apst\u0101k\u013ci bija nelabv\u0113l\u012bgi, \u0161\u012b pievienot\u0101 likme var b\u016bt neproporcion\u0101li augsta sal\u012bdzin\u0101jum\u0101 ar pa\u0161reiz\u0113jiem pied\u0101v\u0101jumiem. Piem\u0113ram, ja j\u016bsu kred\u012btam ir 3% pievienot\u0101 likme, bet konkurenti pied\u0101v\u0101 1.5%, j\u016bs maks\u0101jat par 1.5% vair\u0101k nek\u0101 potenci\u0101li var\u0113tu. \u0160\u012b at\u0161\u0137ir\u012bba, kas var \u0161\u0137ist neliela, laika gait\u0101 uzkr\u0101jas iev\u0113rojam\u0101s summ\u0101s.<\/p>\n
K\u0101p\u0113c p\u0101rskat\u012bt hipotek\u0101r\u0101 kred\u012bta likmi? Ietaup\u012bjuma potenci\u0101ls<\/p>\n
Galvenais iemesls, k\u0101p\u0113c Latvijas Banka mudina kred\u012bta \u0146\u0113m\u0113jus p\u0101rskat\u012bt savas likmes, ir ac\u012bmredzamais ietaup\u012bjuma potenci\u0101ls. Apskat\u012bsim vienk\u0101r\u0161u piem\u0113ru: ja hipotek\u0101rais kred\u012bts ir 100 000 eiro apm\u0113r\u0101, un j\u016bs sp\u0113jat samazin\u0101t pievienoto likmi no 2.5% uz 1.5%, tas noz\u012bm\u0113, ka j\u016bsu gada procentu izmaksas samazin\u0101s par 1000 eiro. \u0160\u012b summa nav niec\u012bga, un to var\u0113tu novirz\u012bt citiem svar\u012bgiem m\u0113r\u0137iem \u2013 b\u0113rnu izgl\u012bt\u012bbai, \u0123imenes ce\u013cojumiem, neparedz\u0113tiem izdevumiem vai vienk\u0101r\u0161i uzkr\u0101jumu veido\u0161anai. \u0160\u0101ds finansi\u0101lais atvieglojums var sniegt neatsveramu mieru un dro\u0161\u012bbas saj\u016btu.<\/p>\n
Ko dar\u012bt, ja j\u016bsu likme ir augsta? Praktiski so\u013ci<\/p>\n
Pirmk\u0101rt, ir nepiecie\u0161ams prec\u012bzi noskaidrot sava eso\u0161\u0101 kred\u012bta nosac\u012bjumus. Atveriet savu kred\u012bta l\u012bgumu un r\u016bp\u012bgi izp\u0113tiet procentu likmes strukt\u016bru. Noskaidrojiet gan b\u0101zes likmes (piem\u0113ram, EURIBOR), gan bankas pievienot\u0101s likmes apm\u0113ru. Ja pievienot\u0101 likme \u0161\u0137iet augsta, n\u0101kamais solis ir akt\u012bvi mekl\u0113t inform\u0101ciju par citiem banku pied\u0101v\u0101jumiem. Neaprobe\u017eojieties tikai ar savu pa\u0161reiz\u0113jo banku \u2013 izp\u0113tiet, ko pied\u0101v\u0101 citi tirgus dal\u012bbnieki. Internet\u0101 ir pieejami kred\u012btu sal\u012bdzin\u0101\u0161anas port\u0101li, k\u0101 ar\u012b varat tie\u0161i sazin\u0101ties ar da\u017e\u0101du banku kred\u012btu speci\u0101listiem.<\/p>\n
Refinans\u0113\u0161ana \u2013 atsl\u0113ga uz zem\u0101k\u0101m likm\u0113m<\/p>\n
Viens no efekt\u012bv\u0101kajiem veidiem, k\u0101 samazin\u0101t procentu likmi, ir eso\u0161\u0101 hipotek\u0101r\u0101 kred\u012bta refinans\u0113\u0161ana. Refinans\u0113\u0161ana noz\u012bm\u0113 eso\u0161\u0101 kred\u012bta dz\u0113\u0161anu ar jauna kred\u012bta pal\u012bdz\u012bbu, ko pied\u0101v\u0101 cita banka vai pat j\u016bsu eso\u0161\u0101 banka, ta\u010du ar izdev\u012bg\u0101kiem nosac\u012bjumiem. \u0160is process \u013cauj jums \u201catbr\u012bvoties\u201d no vec\u0101, d\u0101rg\u0101k\u0101 l\u012bguma un nosl\u0113gt jaunu, kas pied\u0101v\u0101 zem\u0101ku pievienoto procentu likmi vai lab\u0101kus kop\u0113jos nosac\u012bjumus. Lai gan refinans\u0113\u0161ana parasti saist\u012bta ar da\u017e\u0101d\u0101m izmaks\u0101m (piem\u0113ram, jauna nov\u0113rt\u0113juma veik\u0161anu, valsts nodev\u0101m, jauna l\u012bguma sagatavo\u0161anu), bie\u017ei vien ilgtermi\u0146\u0101 ieguld\u012bt\u0101s p\u016bles un l\u012bdzek\u013ci piln\u012bb\u0101 atmaks\u0101jas, pateicoties ikm\u0113ne\u0161a maks\u0101jumu samazin\u0101jumam. Ir svar\u012bgi r\u016bp\u012bgi apr\u0113\u0137in\u0101t visas ar refinans\u0113\u0161anu saist\u012bt\u0101s izmaksas un sal\u012bdzin\u0101t t\u0101s ar potenci\u0101lo ietaup\u012bjumu. Da\u017ek\u0101rt bankas pied\u0101v\u0101 akcijas vai \u012bpa\u0161us nosac\u012bjumus refinans\u0113\u0161anas gad\u012bjum\u0101, kas var padar\u012bt \u0161o procesu v\u0113l pievilc\u012bg\u0101ku.<\/p>\n
Vai ir v\u0113rts run\u0101t ar savu eso\u0161o banku?<\/p>\n
Pat ja j\u016bs apsverat refinans\u0113\u0161anu cit\u0101 bank\u0101, pirms tam vienm\u0113r ir v\u0113rts aprun\u0101ties ar savu pa\u0161reiz\u0113jo kred\u012bta izsniedz\u0113ju. Da\u017ereiz, inform\u0113jot banku par savu nodomu mekl\u0113t izdev\u012bg\u0101kus pied\u0101v\u0101jumus, varat sa\u0146emt pretpied\u0101v\u0101jumu ar uzlabotiem nosac\u012bjumiem. Bankas nev\u0113las zaud\u0113t savus klientus, \u012bpa\u0161i tos, kuri ir labi maks\u0101t\u0101ji. J\u016bs varat argument\u0113t, ka citi tirgus sp\u0113l\u0113t\u0101ji pied\u0101v\u0101 zem\u0101kas likmes, un vaic\u0101t, vai ir iesp\u0113jams p\u0101rskat\u012bt j\u016bsu eso\u0161\u0101 l\u012bguma pievienoto likmi vai citus nosac\u012bjumus. Lai gan ne vienm\u0113r tas noved pie veiksm\u012bga rezult\u0101ta, \u0161\u0101da saruna var b\u016bt bezmaksas un, iesp\u0113jams, atmaks\u0101sies ar iev\u0113rojamu ietaup\u012bjumu. Esi gatavs iepaz\u012bties ar konkurentu pied\u0101v\u0101jumiem \u2013 tas dos tev sp\u0113c\u012bg\u0101kas poz\u012bcijas sarun\u0101s.<\/p>\n
Citi faktori, kas ietekm\u0113 maks\u0101jumu apm\u0113ru<\/p>\n
Papildus pievienotajai procentu likmei, uz j\u016bsu ikm\u0113ne\u0161a maks\u0101jumu var ietekm\u0113t ar\u012b kred\u012bta termi\u0146\u0161 un kred\u012bta pamatsumma. Ja v\u0113laties samazin\u0101t ikm\u0113ne\u0161a maks\u0101jumu, bet nevarat pan\u0101kt iev\u0113rojamu procentu likmes samazin\u0101jumu, varat apsv\u0113rt iesp\u0113ju pagarin\u0101t kred\u012bta atmaksas termi\u0146u. Ta\u010du j\u0101atceras, ka, pagarinot termi\u0146u, kopum\u0101 atmaks\u0101siet vair\u0101k procentu. Otrs variants ir veikt papildu maks\u0101jumus, ja ir t\u0101da iesp\u0113ja, lai samazin\u0101tu pamatsummu \u0101tr\u0101k. Da\u017eas bankas pied\u0101v\u0101 ar\u012b iesp\u0113ju main\u012bt kred\u012bta pamatsummu vai maks\u0101jumu grafiku, kas var pal\u012bdz\u0113t piel\u0101got ikm\u0113ne\u0161a maks\u0101jumus j\u016bsu pa\u0161reiz\u0113jai finansi\u0101lajai situ\u0101cijai. Protams, pirms jebk\u0101du izmai\u0146u veik\u0161anas ir svar\u012bgi r\u016bp\u012bgi izv\u0113rt\u0113t visas sekas un konsult\u0113ties ar savu banku.<\/p>\n
Secin\u0101jumi un n\u0101kotnes perspekt\u012bvas<\/p>\n
Latvijas Bankas br\u012bdin\u0101jums par augst\u0101m hipotek\u0101ro kred\u012btu pievienotaj\u0101m procentu likm\u0113m ir nopietns sign\u0101ls, ka ir pien\u0101cis laiks r\u012bkoties. Ne\u013caujiet sevi aplaup\u012bt augst\u0101m likm\u0113m un akt\u012bvi izmantojiet savas ties\u012bbas mekl\u0113t izdev\u012bg\u0101kus risin\u0101jumus. Kaut ar\u012b s\u0101kotn\u0113jie so\u013ci var \u0161\u0137ist sare\u017e\u0123\u012bti, r\u016bp\u012bga izp\u0113te, sal\u012bdzin\u0101\u0161ana un sarunas ar bank\u0101m var rezult\u0113ties iev\u0113rojam\u0101 ikm\u0113ne\u0161a maks\u0101jumu samazin\u0101jum\u0101 un finansi\u0101l\u0101 atvieglojum\u0101. Turpm\u0101kajos gados, kad finan\u0161u tirgi turpin\u0101s main\u012bties, b\u016bs arvien svar\u012bg\u0101k regul\u0101ri sekot l\u012bdzi savu kred\u012bta nosac\u012bjumiem un b\u016bt gatavam piel\u0101goties jaunajiem apst\u0101k\u013ciem. Atcerieties, ka j\u016bsu finansi\u0101l\u0101 labkl\u0101j\u012bba ir j\u016bsu pa\u0161u rok\u0101s!<\/p>\n","protected":false},"excerpt":{"rendered":"K\u0101 samazin\u0101t ikm\u0113ne\u0161a maks\u0101jumus par hipotek\u0101ro kred\u012btu: Latvijas Bankas padomi Vai zin\u0101j\u0101t, ka gandr\u012bz katrs ceturtais lielais hipotek\u0101rais…\n","protected":false},"author":2,"featured_media":32596,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,32,33,9695,22,3628,30,31,35,39,38,36,37,34,46,40,20,26,27,9693,9694,24,25,21],"class_list":{"0":"post-32595","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-featured-news","12":"tag-featurednews","13":"tag-finansu-padomi","14":"tag-headlines","15":"tag-hipotekarais-kredits","16":"tag-latest-news","17":"tag-latestnews","18":"tag-latvia","19":"tag-latvian","20":"tag-latviesu","21":"tag-latviesu-valoda","22":"tag-latviesuvaloda","23":"tag-latvija","24":"tag-latvijas-banka","25":"tag-lv","26":"tag-news","27":"tag-popularakas-zinas","28":"tag-popularakaszinas","29":"tag-procentu-likme","30":"tag-refinansesana","31":"tag-top-stories","32":"tag-topstories","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115446377724255197","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/32595","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=32595"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/32595\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/32596"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=32595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=32595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=32595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}