Bankas aicina veicin\u0101t Latvijas ekonomikas izaugsmi<\/p>\n
Latvijas Bankas nesenais ikgad\u0113jais zi\u0146ojums par finan\u0161u tirgus st\u0101vokli signaliz\u0113 par virz\u012bbu \u0101rpus stagn\u0101cijas, tom\u0113r iedz\u012bvot\u0101ju attur\u012bba pret aiz\u0146em\u0161anos un vair\u0101ki sist\u0113miski izaicin\u0101jumi joproj\u0101m ne\u013cauj valstij pilnv\u0113rt\u012bgi sasniegt Eiropas Savien\u012bbas vid\u0113jo l\u012bmeni.<\/p>\n
Aizdevumu pieejam\u012bbas uzlabo\u0161ana: dz\u012bvot viegl\u0101k<\/p>\n
Saska\u0146\u0101 ar Latvijas Bankas (LB) sagatavoto \u201eFinan\u0161u pieejam\u012bbas p\u0101rskatu 2025\u201d aizvad\u012btaj\u0101 gad\u0101 Latvij\u0101 tika nov\u0113rota kred\u012btu aktivit\u0101tes atjaunotne, p\u0101rtraucot ilgsto\u0161o d\u012bkst\u0101vi. Gan uz\u0146\u0113mumu, gan m\u0101jsaimniec\u012bbu sa\u0146emto aizdevumu apjoms pieauga strauj\u0101k nek\u0101 iek\u0161zemes kopprodukts (IKP), un \u0161\u012b tendence turpin\u0101s ar\u012b 2025. gad\u0101. Galvenais izaugsmes dzin\u0113jsp\u0113ks ir procentu likmju kritums, ko veicin\u0101jis gan EURIBOR likmju samazin\u0101jums, gan pievienoto likmju pazemin\u0101\u0161an\u0101s. Hipotek\u0101rajiem kred\u012btiem \u0161is kritums bija \u012bpa\u0161i izteikts, samazinoties par vair\u0101k nek\u0101 2 procentpunktiem p\u0113c 2023. gada maksimumiem.<\/p>\n
B\u016btisku pozit\u012bvu efektu rad\u012bju\u0161as ar\u012b normat\u012bvo aktu izmai\u0146as, kas vienk\u0101r\u0161oja un padar\u012bja l\u0113t\u0101ku kred\u012btu p\u0101rfinans\u0113\u0161anu. Pirmajos asto\u0146os 2025. gada m\u0113ne\u0161os \u0161ie uzlabojumi sk\u0101ra 9356 hipot\u0113kas ar kop\u0113jo v\u0113rt\u012bbu aptuveni 690 miljoni eiro, kas veido 14% no valsts hipotek\u0101r\u0101 portfe\u013ca. Vid\u0113jais ietaup\u012bjums gad\u0101 vienam aiz\u0146\u0113m\u0113jam ir starp 350\u2013515 eiro, un kop\u0113jais potenci\u0101lais ieguvums vis\u0101 kred\u012bta period\u0101 tiek l\u0113sts 44,7 miljonu eiro apm\u0113r\u0101. Neskatoties uz \u0161iem sasniegumiem, kred\u012btu \u012bpatsvars pret IKP joproj\u0101m ir zems \u2013 hipotek\u0101rie kred\u012bti veido vien 13% no IKP, sal\u012bdzinot ar 17% Lietuv\u0101 un 31% Igaunij\u0101.<\/p>\n
Latvijas m\u0101jok\u013cu tirgu raksturo p\u0101rapdz\u012bvot\u012bba un neliels dz\u012bvojam\u0101s plat\u012bbas izm\u0113rs. Lai veicin\u0101tu hipotek\u0101ro aizdevumu apjomu, Latvijas Banka izvirza priek\u0161likumu att\u012bst\u012bt ar hipot\u0113k\u0101m nodro\u0161in\u0101tu v\u0113rtspap\u012bru tirgu, potenci\u0101li iesaistot valsts finan\u0161u instit\u016bcijas. Tas \u013cautu bank\u0101m nodro\u0161in\u0101t piek\u013cuvi \u0101r\u0113jam finans\u0113jumam un atbr\u012bvot kapit\u0101lu t\u0101l\u0101kai kredit\u0113\u0161anai.<\/p>\n
Laiks ierobe\u017eot komisijas maksu<\/p>\n
Korporat\u012bvo kred\u012btu segment\u0101 procentu likmju kritums bija maz\u0101k man\u0101ms, un likmes joproj\u0101m saglab\u0101jas augstas. Tiek nov\u0113rota iev\u0113rojama likmju at\u0161\u0137ir\u012bba starp bank\u0101m un nozar\u0113m, kas nor\u0101da uz tirgus segment\u0101ciju un zemu konkurenci. Galvenais faktors likmju at\u0161\u0137ir\u012bb\u0101m ir konkr\u0113t\u0101 kred\u012btiest\u0101de, nevis nozare vai uz\u0146\u0113muma lielums. Tas liecina, ka uz\u0146\u0113mumiem pieejamo pied\u0101v\u0101jumu kl\u0101sts ir ierobe\u017eots, par sp\u012bti daudzaj\u0101m kred\u012btiest\u0101d\u0113m.<\/p>\n
Lai stiprin\u0101tu konkurenci, Latvijas Banka kop\u0101 ar Finan\u0161u ministriju ir izstr\u0101d\u0101jusi priek\u0161likumu par komisijas maksas ierobe\u017eo\u0161anu par kred\u012bta pirmstermi\u0146a dz\u0113\u0161anu, jo \u0161obr\u012bd t\u0101 padara p\u0101rfinans\u0113\u0161anu neizdev\u012bgu. Pa\u0161laik komisijas maksa parasti sv\u0101rst\u0101s no 1,5\u20132% no atliku\u0161\u0101s kred\u012bta summas, un tikai retais uz\u0146\u0113mums g\u016bst labumu no kreditora mai\u0146as. Anal\u012bze r\u0101da, ka taisn\u012bga komisijas maksa, kas segtu re\u0101l\u0101s administrat\u012bv\u0101s izmaksas, nedr\u012bkst\u0113tu p\u0101rsniegt 0,1% no summas.<\/p>\n
P\u0101r\u0101k stingras \u0137\u012blas ierobe\u017eo att\u012bst\u012bbu<\/p>\n
Latvijas Banka ar\u012b konstat\u0113, ka Latvijas uz\u0146\u0113mumu finan\u0161u st\u0101voklis stabiliz\u0113jas: pa\u0161u kapit\u0101ls pirmo reizi 15 gados p\u0101rsniedz saist\u012bbu apjomu, ienes\u012bgums saglab\u0101jas stabils, bet maks\u0101tnesp\u0113jas l\u012bmenis ir zems. Tom\u0113r iev\u0113rojama da\u013ca uz\u0146\u0113mumu joproj\u0101m saskaras ar negat\u012bvu pa\u0161u kapit\u0101lu, kas ierobe\u017eo finans\u0113juma piesaistes iesp\u0113jas un veido negat\u012bvu priek\u0161statu par biznesa vidi. LB gan uzskata, ka probl\u0113mas apjoms ir p\u0101rsp\u012bl\u0113ts, jo daudzi \u201enegat\u012bvie\u201d uz\u0146\u0113mumi ir mazi, un to ietekme uz ekonomiku ir neliela.<\/p>\n
V\u0113l vair\u0101k satrauco\u0161s ir fakts, ka uz\u0146\u0113mumi saskaras ar vien\u0101m no stingr\u0101kaj\u0101m nodro\u0161in\u0101juma pras\u012bb\u0101m eirozon\u0101: vid\u0113j\u0101 nodro\u0161in\u0101juma v\u0113rt\u012bba kred\u012btiem sasniedz 162% no aizdevuma summas, bie\u017ei vien pat dubultojot to. Pla\u0161i izplat\u012bta ir ar\u012b person\u012bgo galvojumu prakse, kas bremz\u0113 biznesa att\u012bst\u012bbu.<\/p>\n
Atpaliekam no l\u012bme\u0146a<\/p>\n
LB zi\u0146ojums uzsver ar\u012b nebanku finans\u0113juma ierobe\u017eot\u012bbu un kapit\u0101la tirgus att\u012bst\u012bbas nepiecie\u0161am\u012bbu. At\u0161\u0137ir\u012bb\u0101 no att\u012bst\u012bt\u0101m ekonomik\u0101m, Latvijas uz\u0146\u0113mumi gandr\u012bz piln\u012bb\u0101 ir atkar\u012bgi no bank\u0101m. Potenci\u0101ls izaugsmei ir pietiekams: kred\u012btu un noguld\u012bjumu attiec\u012bba bank\u0101s ir tikai 64%, sal\u012bdzinot ar vid\u0113ji 94% eirozon\u0101. Fondu tirgus lomas papla\u0161in\u0101\u0161ana \u013cautu piesaist\u012bt ilgtermi\u0146a invest\u012bcijas un veicin\u0101tu Latvijas p\u0101reju uz augsta ien\u0101kuma valstu kategoriju.<\/p>\n
Kopum\u0101 Latvijas Banka nov\u0113ro pirm\u0101s atdz\u012bvo\u0161an\u0101s paz\u012bmes kred\u012btu pieejam\u012bb\u0101, bet uzsver, ka finan\u0161u pieejam\u012bba gan uz\u0146\u0113mumiem, gan iedz\u012bvot\u0101jiem joproj\u0101m ir ierobe\u017eota. Ilgtsp\u0113j\u012bgai kred\u012btu tirgus izaugsmei nepiecie\u0161ami: paaugstin\u0101ta konkurence starp bank\u0101m, samazin\u0101tas komisijas maksas par p\u0101rfinans\u0113\u0161anu, \u0137\u012blu pras\u012bbu liberaliz\u0101cija, hipotek\u0101ro v\u0113rtspap\u012bru att\u012bst\u012bba un nebanku finans\u0113juma stiprin\u0101\u0161ana. Tikai \u0161\u0101du pas\u0101kumu kopums \u013caus Latvijai pietuvoties citu eirozonas valstu finan\u0161u att\u012bst\u012bbas l\u012bmenim.<\/p>\n
Iedz\u012bvot\u0101ji joproj\u0101m ir piesardz\u012bgi<\/p>\n
LB zi\u0146ojum\u0101 analiz\u0113ta ar\u012b situ\u0101cija m\u0101jsaimniec\u012bbu sektor\u0101. Ien\u0101kumu pieaugums un nodarbin\u0101t\u012bbas stabilit\u0101te ir \u013c\u0101vu\u0161i palielin\u0101t kredit\u0113\u0161anas apjomu, ta\u010du iedz\u012bvot\u0101ju par\u0101du slogs joproj\u0101m ir viens no zem\u0101kajiem eirozon\u0101. Tas nor\u0101da uz iedz\u012bvot\u0101ju piesardz\u012bbu aiz\u0146em\u0161an\u0101s jaut\u0101jumos, kas izveidojusies p\u0113c 2008. gada finan\u0161u kr\u012bzes.<\/p>\n
Latvijas Banka prognoz\u0113, ka, saglab\u0101joties likmju samazin\u0101juma tendencei un makroekonomiskajai stabilit\u0101tei, kred\u012btu aktivit\u0101te turpin\u0101s pieaugt ar\u012b 2026. gad\u0101. Tom\u0113r \u0161\u012bs izaugsmes ilgtsp\u0113jai ir nepiecie\u0161ams nov\u0113rst sist\u0113miskos \u0161\u0137\u0113r\u0161\u013cus. Starp tiem ir kapit\u0101la tirgus v\u0101jas att\u012bst\u012bbas, mazo uz\u0146\u0113mumu ierobe\u017eot\u0101s piek\u013cuves finans\u0113jumam, iedz\u012bvot\u0101ju zem\u0101s finan\u0161u prat\u012bbas un banku pakalpojumu digit\u0101l\u0101s att\u012bst\u012bbas tr\u016bkums.<\/p>\n
Nepiecie\u0161ams l\u012bdzsvars<\/p>\n
Nosl\u0113gum\u0101 Latvijas Banka uzsver, ka ilgtermi\u0146a finan\u0161u stabilit\u0101te prasa l\u012bdzsvaru starp kreditoru intere\u0161u aizsardz\u012bbu un ekonomisk\u0101s izaugsmes stimul\u0113\u0161anu. P\u0101r\u0101k stingri normat\u012bvi un augstas \u0137\u012blu pras\u012bbas bremz\u0113 uz\u0146\u0113m\u0113jdarb\u012bbas att\u012bst\u012bbu, \u012bpa\u0161i inovat\u012bvaj\u0101s un strauji augo\u0161aj\u0101s nozar\u0113s. Ieteikts pak\u0101peniski mazin\u0101t barjeras konkurencei, pilnveidot tiesisko b\u0101zi kred\u012btu p\u0101rfinans\u0113\u0161anai un akt\u012bvi iesaist\u012bt valsts strukt\u016bras kapit\u0101la tirgu att\u012bst\u012bb\u0101.<\/p>\n
Kopum\u0101 2025. gads tiek v\u0113rt\u0113ts k\u0101 pagrieziena punkts: s\u0101k\u0101s kred\u012btu aktivit\u0101tes atjaunotne, nostiprin\u0101j\u0101s aiz\u0146\u0113m\u0113ju poz\u012bcijas un uzlaboj\u0101s uz\u0146\u0113mumu finansi\u0101l\u0101 vesel\u012bba. Tom\u0113r Latvijas finan\u0161u integr\u0101cijas l\u012bmenis joproj\u0101m atpaliek no kaimi\u0146valst\u012bm un eirozonas vid\u0113j\u0101 l\u012bme\u0146a. Lai p\u0101rvar\u0113tu \u0161o at\u0161\u0137ir\u012bbu, valstij j\u0101p\u0101riet no piesardz\u012bgas finans\u0113\u0161anas mode\u013ca uz dinamisk\u0101ku un konkur\u0113tsp\u0113j\u012bg\u0101ku, balstoties uz banku, nebanku un tirgus kapit\u0101la avotu kombin\u0101ciju.<\/p>\n","protected":false},"excerpt":{"rendered":"Bankas aicina veicin\u0101t Latvijas ekonomikas izaugsmi Latvijas Bankas nesenais ikgad\u0113jais zi\u0146ojums par finan\u0161u tirgus st\u0101vokli signaliz\u0113 par virz\u012bbu…\n","protected":false},"author":2,"featured_media":38824,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,2328,9728,8606,35,39,38,36,37,34,46,40,793],"class_list":{"0":"post-38823","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-ekonomikas-izaugsme","11":"tag-finansu-pieejamiba","12":"tag-kreditesana","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-banka","20":"tag-lv","21":"tag-uznemejdarbiba"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115485691267887292","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/38823","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=38823"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/38823\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/38824"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=38823"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=38823"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=38823"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}