Akt\u012bv\u0101 hipotek\u0101ro kred\u012btu likmju samazin\u0101\u0161anas tendence turpin\u0101s<\/p>\n
Latvijas iedz\u012bvot\u0101ji arvien akt\u012bv\u0101k izmanto iesp\u0113jas samazin\u0101t savu hipotek\u0101ro kred\u012btu procentu likmes. \u0160\u012b tendence ir \u012bpa\u0161i man\u0101ma p\u0113d\u0113j\u0101 gada laik\u0101, ko veicin\u0101ju\u0161i gan normat\u012bvo aktu groz\u012bjumi, kas atvieglo p\u0101rkredit\u0113\u0161anu, gan ar\u012b Latvijas Bankas \u012bstenot\u0101s informat\u012bv\u0101s kampa\u0146as. Rezult\u0101t\u0101 vair\u0101ki t\u016bksto\u0161i kred\u012btu sa\u0146\u0113m\u0113ju ir sp\u0113ju\u0161i uzlabot savus aizdevuma nosac\u012bjumus, g\u016bstot finansi\u0101lu labumu.<\/p>\n
Iev\u0113rojams aktivit\u0101tes pieaugums un ietaup\u012bjums<\/p>\n
Latvijas Bankas dati liecina, ka vien 2025. gada pirmajos devi\u0146os m\u0113ne\u0161os pievienot\u0101 procentu likme tika samazin\u0101ta vair\u0101k nek\u0101 10 000 hipotek\u0101rajiem kred\u012btiem, kas veido aptuveni 15% no visa valsts hipotek\u0101ro kred\u012btu portfe\u013ca. \u0160\u012b aktivit\u0101te ir iev\u0113rojami liel\u0101ka nek\u0101 iepriek\u0161\u0113jos gados. Tiem, kuri kred\u012bta nosac\u012bjumus uzlaboju\u0161i pie eso\u0161\u0101 aizdev\u0113ja, vid\u0113jais pievienot\u0101s procentu likmes samazin\u0101jums bijis ap 0,5 procentu punktiem, bet tiem, kuri veiku\u0161i p\u0101rkredit\u0113\u0161anu pie cita pakalpojumu sniedz\u0113ja, \u0161is samazin\u0101jums vid\u0113ji sasniedzis 0,85 procentu punktus. \u0160ie procentu punktu samazin\u0101jumi \u013cauj kred\u012bt\u0146\u0113m\u0113jiem gad\u0101 ietaup\u012bt vid\u0113ji no 370 l\u012bdz pat 500 eiro procentu maks\u0101jumos.<\/p>\n
Faktori, kas veicina likmju samazin\u0101jumu<\/p>\n
Iesp\u0113jas samazin\u0101t pievienoto procentu likmi ietekm\u0113 ne tikai kred\u012bt\u0146\u0113m\u0113ja maks\u0101tsp\u0113ja un ofici\u0101lie ien\u0101kumi, bet ar\u012b s\u0101kotn\u0113jais procentu likmes l\u012bmenis. Klientiem ar augst\u0101ku s\u0101kotn\u0113jo likmi ir liel\u0101kas iesp\u0113jas pan\u0101kt iev\u0113rojam\u0101ku t\u0101s samazin\u0101jumu. Lai gan \u0161obr\u012bd aktivit\u0101te ir augsta, speci\u0101listi nor\u0101da, ka daudziem kred\u012bt\u0146\u0113m\u0113jiem v\u0113l joproj\u0101m past\u0101v iesp\u0113jas uzlabot savus kred\u012bta nosac\u012bjumus, izv\u0113rt\u0113jot tirgus pied\u0101v\u0101jumus.<\/p>\n
Nekustam\u0101 \u012bpa\u0161uma tirgus atdz\u012bvojas<\/p>\n
\u0160\u012b gada pirmaj\u0101 pus\u0113 Latvijas nekustamo \u012bpa\u0161umu tirg\u016b kopum\u0101 v\u0113rojams b\u016btisks aktivit\u0101tes pieaugums. Banku dati par\u0101d\u0101s, ka nosl\u0113gto hipotek\u0101ro kred\u012btu skaits palielin\u0101jies par 48%, bet izsniegto kred\u012btu kopsumma \u2013 par 60%, sal\u012bdzinot ar iepriek\u0161\u0113jo gadu. Visliel\u0101k\u0101 aktivit\u0101te saglab\u0101jas R\u012bg\u0101 un Pier\u012bg\u0101, ta\u010du ar\u012b re\u0123ionu loma pieaug. Vid\u0113j\u0101 hipotek\u0101r\u0101 kred\u012bta summa \u0161\u012b gada pirmaj\u0101 pusgad\u0101 bija 90 t\u016bksto\u0161i eiro, kas ir par 13% vair\u0101k nek\u0101 attiec\u012bgaj\u0101 period\u0101 p\u0113rn. \u0160\u012b dinamika liecina par kop\u0113jas aktivit\u0101tes pieaugumu gan da\u017e\u0101dos \u012bpa\u0161umu veidos, gan ar\u012b re\u0123ionos.<\/p>\n","protected":false},"excerpt":{"rendered":"Akt\u012bv\u0101 hipotek\u0101ro kred\u012btu likmju samazin\u0101\u0161anas tendence turpin\u0101s Latvijas iedz\u012bvot\u0101ji arvien akt\u012bv\u0101k izmanto iesp\u0113jas samazin\u0101t savu hipotek\u0101ro kred\u012btu procentu…\n","protected":false},"author":2,"featured_media":38319,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,3627,35,39,38,36,37,34,46,40,4139,10762,549],"class_list":{"0":"post-38318","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-hipotekarie-krediti","11":"tag-latvia","12":"tag-latvian","13":"tag-latviesu","14":"tag-latviesu-valoda","15":"tag-latviesuvaloda","16":"tag-latvija","17":"tag-latvijas-banka","18":"tag-lv","19":"tag-nekustamais-ipasums","20":"tag-parkreditesana","21":"tag-procentu-likmes"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115483831366765219","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/38318","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=38318"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/38318\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/38319"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=38318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=38318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=38318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}