Iedz\u012bvot\u0101ji Akt\u012bvi Samazina Hipotek\u0101ro Kred\u012btu Lielumu, G\u016bstot Iev\u0113rojamu Finansi\u0101lu Atvieglojumu<\/p>\n
Latvijas iedz\u012bvot\u0101ji turpina akt\u012bvi izmantot iesp\u0113jas samazin\u0101t savu hipotek\u0101ro kred\u012btu procentu likmes, t\u0101d\u0113j\u0101di pan\u0101kot iev\u0113rojamu finansi\u0101lo atvieglojumu un uzlabojot savu finansi\u0101lo st\u0101vokli. Latvijas Bankas dati liecina, ka \u0161ogad pirmajos devi\u0146os m\u0113ne\u0161os vien pievienot\u0101 procentu likme ir samazin\u0101ta jau vair\u0101k nek\u0101 10 000 hipotek\u0101rajiem kred\u012btiem. \u0160is r\u0101d\u012bt\u0101js ir iespaid\u012bgs, jo tas atspogu\u013co gandr\u012bz divk\u0101rt liel\u0101ku aktivit\u0101ti nek\u0101 iepriek\u0161\u0113jos tr\u012bs gados kop\u0101. Kopum\u0101 \u0161ie samazin\u0101jumi skar 15% no visa Latvijas hipotek\u0101ro kred\u012btu portfe\u013ca, apliecinot pla\u0161u un sp\u0113c\u012bgu tendenci.<\/p>\n
Juridiskie Stimuli un Tirgus Konkur\u0113tsp\u0113jas Pieaugums<\/p>\n
\u0160\u012bs pozit\u012bv\u0101s izmai\u0146as ir cie\u0161i saist\u012btas ar 2024. gad\u0101 sp\u0113k\u0101 st\u0101ju\u0161ajiem normat\u012bvo aktu groz\u012bjumiem, kas vienk\u0101r\u0161oja hipotek\u0101ro kred\u012btu p\u0101rkredit\u0113\u0161anu starp da\u017e\u0101diem aizdev\u0113jiem. L\u012bdz pat 2025. gada janv\u0101rim daudziem kred\u012bt\u0146\u0113m\u0113jiem nebija finansi\u0101li izdev\u012bgi veikt p\u0101rkredit\u0113\u0161anu, jo tika izmaks\u0101tas kompens\u0101cijas par procentu maks\u0101jumiem. Ta\u010du, kad p\u0113d\u0113j\u0101s kompens\u0101cijas tika izmaks\u0101tas, rad\u0101s sp\u0113c\u012bga motiv\u0101cija mekl\u0113t izdev\u012bg\u0101kus nosac\u012bjumus saviem eso\u0161ajiem aizdevumiem. \u0160\u012b situ\u0101cija ir veicin\u0101jusi vesel\u012bgu konkurenci starp finan\u0161u iest\u0101d\u0113m, mudinot t\u0101s pied\u0101v\u0101t izdev\u012bg\u0101kus procentu likmju pied\u0101v\u0101jumus, lai piesaist\u012btu un notur\u0113tu klientus. Tas ir k\u0101 elpo\u0161anas vingrin\u0101jums finan\u0161u tirgum \u2013 sk\u0101beklis cirkul\u0113 br\u012bv\u0101k.<\/p>\n
Konkr\u0113ti Ietaup\u012bjumi un To Ietekme<\/p>\n
Vid\u0113jais pievienot\u0101s procentu likmes samazin\u0101jums tiem, kas likmi kori\u0123\u0113ju\u0161i pie eso\u0161\u0101 aizdev\u0113ja, ir m\u0113r\u0101ms virs 0,4 procentpunktiem. Savuk\u0101rt tie, kas p\u0101rkredit\u0113ju\u0161ies pie cita aizdev\u0113ja, vid\u0113ji guvu\u0161i pat 0,8 procentpunktu samazin\u0101jumu. \u0160ie, \u0161\u0137ietami nelielie, procentu punkti gada laik\u0101 \u013cauj ietaup\u012bt vid\u0113ji 350 eiro tiem, kas likmi samazin\u0101ju\u0161i pie eso\u0161\u0101 aizdev\u0113ja, un pat 500 eiro tiem, kas veiku\u0161i p\u0101rkredit\u0113\u0161anu. Kop\u0113jais ietaup\u012bjums Latvijas iedz\u012bvot\u0101jiem \u0161ogad jau sasniedz 3,4 miljonus eiro, bet vis\u0101 atliku\u0161\u0101 kred\u012bta atmaksas laik\u0101 prognoz\u0113tais ietaup\u012bjums ir iespaid\u012bgi 44,7 miljoni eiro. Tas ir k\u0101 neliels finansi\u0101ls pac\u0113lums, kas pal\u012bdz nosegt citus ikdienas t\u0113ri\u0146us vai veidot uzkr\u0101jumus.<\/p>\n
Tendences un Statistika: Pievienot\u0101s Likmes Kri\u0161ana<\/p>\n
Latvijas Bankas dati atkl\u0101j interesantu tendenci: hipotek\u0101ro kred\u012btu portfelis, kas p\u0101rsniedz 50 000 eiro un kam pievienot\u0101 likme ir virs 2%, ir b\u016btiski samazin\u0101jies. Ja gada s\u0101kum\u0101 tas bija 30% no \u0161\u0101diem kred\u012btiem, tad septembr\u012b \u0161is \u012bpatsvars sarucis l\u012bdz 20%. Eiro izteiksm\u0113 tas noz\u012bm\u0113 samazin\u0101jumu no 25% l\u012bdz 16%. Tas nor\u0101da uz to, ka ar\u012b liel\u0101ki kred\u012bti k\u013c\u016bst finansi\u0101li pieejam\u0101ki un izdev\u012bg\u0101ki saviem \u012bpa\u0161niekiem. Kop\u0113j\u0101 summu izteiksm\u0113 samazin\u0101t\u0101s pievienot\u0101s likmes kred\u012btu atlikums ir sasniedzis 730 miljonus eiro, kas ir iev\u0113rojami 15% no kop\u0113j\u0101 hipotek\u0101r\u0101 kred\u012btu portfe\u013ca.<\/p>\n
Ietekme Uz Nekustam\u0101 \u012apa\u0161uma Tirgu Un T\u0101l\u0101ko Perspekt\u012bvu<\/p>\n
\u0160\u012b aktivit\u0101te hipotek\u0101ro kred\u012btu tirg\u016b kopum\u0101 atspogu\u013cojas ar\u012b nekustam\u0101 \u012bpa\u0161uma tirgus dinamik\u0101. Lai gan \u0161\u012b zi\u0146a koncentr\u0113jas uz procentu likmju samazin\u0101\u0161anu, j\u0101atz\u012bm\u0113, ka kop\u0113jais piepras\u012bjums p\u0113c m\u0101jok\u013ciem ir palielin\u0101jies. Saska\u0146\u0101 ar Swedbank datiem, \u0161\u012b gada pirmaj\u0101 pusgad\u0101 nosl\u0113gto hipotek\u0101ro kred\u012btu skaits palielin\u0101jies par 48%, bet izsniegto kred\u012btu kopsumma \u2013 par 60%. Ar\u012b bankas Citadele dati liecina par 21% pieaugumu parakst\u012bto hipotek\u0101ro kred\u012btu l\u012bgumu skait\u0101 pirmaj\u0101 pusgad\u0101. \u0160\u012bs tendences kop\u0101 veido optimistisku ainu, kur\u0101 iedz\u012bvot\u0101ji var gan uzlabot savus eso\u0161os kred\u012btu nosac\u012bjumus, gan ar\u012b dro\u0161\u0101k pl\u0101not jaunus nekustam\u0101 \u012bpa\u0161uma dar\u012bjumus.<\/p>\n
Br\u012bdin\u0101jumi Un Ieteikumi No Latvijas Bankas<\/p>\n
Tom\u0113r Latvijas Banka nep\u0101rtraukti uzsver nepiecie\u0161am\u012bbu iedz\u012bvot\u0101jiem b\u016bt inform\u0113tiem un akt\u012bviem. Lai gan likmju samazin\u0101jums ir re\u0101ls un pieejams, tas nenoz\u012bm\u0113, ka visiem autom\u0101tiski b\u016bs izdev\u012bgi nosac\u012bjumi. Latvijas Banka atg\u0101dina, ka pievienot\u0101 procentu likme virs 2% ir sign\u0101ls, ka v\u0113rts p\u0101rskat\u012bt savu kred\u012bta l\u012bgumu. Jo augst\u0101ka s\u0101kotn\u0113j\u0101 pievienot\u0101 likme, jo liel\u0101ks potenci\u0101lais samazin\u0101jums. Kred\u012bti ar s\u0101kotn\u0113jiem pievienotajiem procentiem virs 3% ir redz\u0113ju\u0161i pat vair\u0101k nek\u0101 1 procentpunkta samazin\u0101jumu. Tas ir k\u0101 atg\u0101din\u0101jums, ka finan\u0161u pasaule nep\u0101rtraukti main\u0101s, un b\u016bt inform\u0113tam ir liel\u0101k\u0101 priek\u0161roc\u012bba.<\/p>\n
N\u0101kotnes Perspekt\u012bvas un Piesardz\u012bgais Optimisms<\/p>\n
Eksperti prognoz\u0113, ka \u0161\u012b tendence turpin\u0101sies, un hipotek\u0101ro kred\u012btu tirg\u016b saglab\u0101sies piesardz\u012bgs optimisms. Lai gan n\u0101kotnes prognozes par Euribor likmju att\u012bst\u012bbu var nedaudz at\u0161\u0137irties, visp\u0101r\u0113j\u0101 noska\u0146a ir pozit\u012bva. Samazin\u0101tas procentu likmes ne tikai \u013cauj iedz\u012bvot\u0101jiem samazin\u0101t ikm\u0113ne\u0161a maks\u0101jumus, bet ar\u012b stimul\u0113 nekustam\u0101 \u012bpa\u0161uma tirgus aktivit\u0101ti, padarot m\u0101jok\u013cu ieg\u0101di pieejam\u0101ku pla\u0161\u0101kam cilv\u0113ku lokam. Tas ir k\u0101 jauns s\u0101kums daudziem, kas sap\u0146o par savu m\u0101jokli vai v\u0113las uzlabot savus dz\u012bves apst\u0101k\u013cus.<\/p>\n","protected":false},"excerpt":{"rendered":"Iedz\u012bvot\u0101ji Akt\u012bvi Samazina Hipotek\u0101ro Kred\u012btu Lielumu, G\u016bstot Iev\u0113rojamu Finansi\u0101lu Atvieglojumu Latvijas iedz\u012bvot\u0101ji turpina akt\u012bvi izmantot iesp\u0113jas samazin\u0101t savu…\n","protected":false},"author":2,"featured_media":36670,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,10763,3627,35,39,38,36,37,34,46,40,10762,549],"class_list":{"0":"post-36669","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-finansialais-ieguvums","11":"tag-hipotekarie-krediti","12":"tag-latvia","13":"tag-latvian","14":"tag-latviesu","15":"tag-latviesu-valoda","16":"tag-latviesuvaloda","17":"tag-latvija","18":"tag-latvijas-banka","19":"tag-lv","20":"tag-parkreditesana","21":"tag-procentu-likmes"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115472329807860293","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/36669","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=36669"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/36669\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/36670"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=36669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=36669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=36669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}