Hipotek\u0101ro aizdevumu pievienot\u0101 procentu likme \u0161ogad devi\u0146os m\u0113ne\u0161os samazin\u0101ta 10 018 kred\u012btiem, kas summ\u0101ri veido 15% no visu hipotek\u0101ro kred\u012btu portfe\u013ca Latvij\u0101, inform\u0113ja Latvijas Bank\u0101.<\/p>\n
Septembr\u012b pievienot\u0101 likme samazin\u0101ta 663 hipotek\u0101rajiem kred\u012btiem, tostarp 551 to izdar\u012bja pie eso\u0161\u0101 aizdev\u0113ja, bet 112 p\u0101rkredit\u0113j\u0101s.<\/p>\n
Kop\u0161 gada s\u0101kuma pievienot\u0101s procentu likmes samazin\u0101tas kopum\u0101 10 018 m\u0101jsaimniec\u012bb\u0101m, kas ir divas reizes vair\u0101k nek\u0101 iepriek\u0161\u0113jos trijos gados kopum\u0101.<\/p>\n
Hipotek\u0101ro kred\u012btu, kas liel\u0101ki par 50 000 eiro, \u012bpatsvars, kuru pievienot\u0101 likme ir liel\u0101ka par 2%, ir samazin\u0101jies no 30% gada s\u0101kum\u0101 l\u012bdz 20% septembr\u012b, kam\u0113r eiro izteiksm\u0113 samazin\u0101jums ir no 25% l\u012bdz 16%.<\/p>\n
Kred\u012btu, kuriem samazin\u0101tas pievienot\u0101s procentu likmes, atlikums sasniedzis 730 miljonus eiro jeb 15% no visa hipotek\u0101r\u0101 kred\u012btu portfe\u013ca Latvij\u0101.<\/p>\n
Vid\u0113jais likmes samazin\u0101jums ir virs 0,4 procentpunktiem tiem, kuri likmi samazin\u0101ja pie eso\u0161\u0101 aizdev\u0113ja, un ap 0,8 procentpunktiem tiem, kuri to dar\u012bja p\u0101rkredit\u0113joties. Tas ir \u013c\u0101vis \u0161iem kred\u012bt\u0146\u0113m\u0113jiem samazin\u0101t procentu maks\u0101jumus par vid\u0113ji 350 eiro un 500 eiro gad\u0101. Kop\u0113jais ietaup\u012bjums gada laik\u0101 sasniedz 3,4 miljonus eiro, bet visa atliku\u0161\u0101 kred\u012btu termi\u0146a laik\u0101 – 44,7 miljonus eiro.<\/p>\n
Jau zi\u0146ots, ka 2024. gad\u0101 st\u0101j\u0101s sp\u0113k\u0101 groz\u012bjumi virkn\u0113 normat\u012bvu, lai iedz\u012bvot\u0101jiem vienk\u0101r\u0161otu hipotek\u0101ro p\u0101rkredit\u0113\u0161anu starp aizdev\u0113jiem. L\u012bdz \u0161\u0101 gada s\u0101kumam iedz\u012bvot\u0101ji \u0161o iesp\u0113ju izmantoja visai maz, jo 2023. gada decembr\u012b tika pie\u0146emti groz\u012bjumi Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101, paredzot kompens\u0113t 30% no kred\u012bta kop\u0113jiem procentu maks\u0101jumiem.<\/p>\n
Lai nezaud\u0113tu \u0161o kompens\u0101ciju, vair\u0101kumam kred\u012bt\u0146\u0113m\u0113ju nebija izdev\u012bgi p\u0101rkredit\u0113t l\u012bdz 2023. gada 31. oktobrim sa\u0146emtos hipotek\u0101ros kred\u012btus. 2025. gada janv\u0101r\u012b tika izmaks\u0101ta p\u0113d\u0113j\u0101 kompens\u0101cija, l\u012bdz ar to hipotek\u0101r\u0101 kred\u012bta \u0146\u0113m\u0113jiem par\u0101d\u012bj\u0101s motiv\u0101cija apsv\u0113rt kred\u012bta nosac\u012bjumu uzlabo\u0161anu, izv\u0113rt\u0113jot nosac\u012bjumus sav\u0101 un konkur\u0113jo\u0161\u0101s bank\u0101s vai cit\u0101s finan\u0161u iest\u0101d\u0113s, kas izsniedz hipotek\u0101ros kred\u012btus.<\/p>\n
Lai ikviens kred\u012bt\u0146\u0113m\u0113js var\u0113tu sal\u012bdzin\u0101t kred\u012bta procentu likmi ar pa\u0161laik izsniegto kred\u012btu vid\u0113jo pievienoto procentu likmi un apr\u0113\u0137in\u0101t ieguvumu no p\u0101rkredit\u0113\u0161anas, Latvijas Banka vietn\u0113 “Naudas skola” ir public\u0113jusi procentu likmju sal\u012bdzin\u0101\u0161anas r\u012bku un p\u0101rkredit\u0113\u0161anas kalkulatoru. Turpat ar\u012b soli pa solim aprakst\u012bts p\u0101rkredit\u0113\u0161anas process, sniegti skaidrojumi un atbildes uz iesp\u0113jamiem jaut\u0101jumiem.<\/p>\n","protected":false},"excerpt":{"rendered":"Hipotek\u0101ro aizdevumu pievienot\u0101 procentu likme \u0161ogad devi\u0146os m\u0113ne\u0161os samazin\u0101ta 10 018 kred\u012btiem, kas summ\u0101ri veido 15% no visu…\n","protected":false},"author":2,"featured_media":34850,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[869,77,870,76,867,35,39,38,36,37,34,871,868,40,21],"class_list":{"0":"post-34849","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-biznesa-zinas","9":"tag-bizness","10":"tag-bizness-latvija","11":"tag-business","12":"tag-dienas-zinas","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-biznesa-zinas","20":"tag-latvijas-zinas","21":"tag-lv","22":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115461390533508104","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/34849","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=34849"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/34849\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/34850"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=34849"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=34849"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=34849"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}