M\u0101jok\u013cu kredit\u0113\u0161anas aktivit\u0101te turpina augt<\/p>\n
M\u0101jok\u013cu kredit\u0113\u0161anas tirgus Latvij\u0101 piedz\u012bvo sp\u0113c\u012bgu izaugsmi, kas tiek prognoz\u0113ta ar\u012b 2026. gad\u0101. P\u0113c vair\u0101kiem gadiem, ko raksturoja stagn\u0101cija un sv\u0101rst\u012bbas, ko izrais\u012bja da\u017e\u0101di notikumi, tostarp pand\u0113mija, b\u016bvniec\u012bbas izmaksu k\u0101pums un Euribor likmju sv\u0101rst\u012bbas, 2025. gads iez\u012bm\u0113jies ar iev\u0113rojamu aktivit\u0101tes pieaugumu. No janv\u0101ra l\u012bdz oktobrim izsniegto kred\u012btu apjoms Latvij\u0101 audzis par 43%, sal\u012bdzinot ar attiec\u012bgo periodu iepriek\u0161\u0113j\u0101 gad\u0101. Bankas “Luminor” izsniegto m\u0101jok\u013cu kred\u012btu apm\u0113rs pirmajos devi\u0146os m\u0113ne\u0161os pieaudzis par 71%, atbalstot vair\u0101k nek\u0101 2400 m\u0101jsaimniec\u012bbas jaunu m\u0101jok\u013cu ieg\u0101d\u0113. Eksperti prognoz\u0113, ka piepras\u012bjums p\u0113c m\u0101jok\u013cu kred\u012btiem saglab\u0101sies augsts ar\u012b 2026. gad\u0101. Lai gan Latvijas hipotek\u0101ro kred\u012btu atlikums pret IKP joproj\u0101m ir zem\u0101ks nek\u0101 vid\u0113ji eirozon\u0101 un Baltijas valst\u012bs, tas liecina par iev\u0113rojamu kredit\u0113\u0161anas potenci\u0101lu. <\/p>\n
M\u0101jok\u013cu cenas un b\u016bvniec\u012bbas izmaksu ietekme<\/p>\n
Neskatoties uz straujo kredit\u0113\u0161anas izaugsmi, m\u0101jok\u013cu tirgu ietekm\u0113 b\u016bvniec\u012bbas izmaksu un cenu k\u0101pums. Jauno projektu vid\u0113j\u0101 cena R\u012bg\u0101 sasniedz 2625 eiro par kvadr\u0101tmetru, kam\u0113r s\u0113rijveida \u0113k\u0101s t\u0101 ir 1320 eiro. Tom\u0113r kopum\u0101 Latvij\u0101 m\u0101jok\u013cu cenas joproj\u0101m ir zem\u0101kas nek\u0101 vid\u0113ji Baltij\u0101. Prognozes liecina, ka m\u0101jok\u013cu cenas Latvij\u0101 var\u0113tu turpin\u0101t pieaugt par aptuveni 5% gad\u0101. Vienlaikus b\u016bvniec\u012bbas izmaksu pieaugums, kas gada laik\u0101 palielin\u0101jies par 2,1%, rada izaicin\u0101jumus renov\u0101cijas un jaunu m\u0101jok\u013cu b\u016bvniec\u012bbas projektu \u012bsteno\u0161an\u0101. Tas mudina potenci\u0101los priv\u0101tm\u0101ju \u012bpa\u0161niekus p\u0101rskat\u012bt savus pl\u0101nus, bie\u017ei vien samazinot pl\u0101noto m\u0101jok\u013ca plat\u012bbu vai izv\u0113loties koka karkasa \u0113kas, kuru b\u016bvniec\u012bbas izmaksas ir prognoz\u0113jam\u0101kas. Vid\u0113j\u0101 priv\u0101tm\u0101ja ir sarukusi no 145 m\u00b2 2021. gad\u0101 l\u012bdz 132 m\u00b2 p\u0113rn. <\/p>\n
Energoefektivit\u0101te un funkcionalit\u0101te \u2013 priorit\u0101tes<\/p>\n
M\u016bsdienu m\u0101jok\u013cu pirc\u0113ji arvien vair\u0101k piev\u0113r\u0161 uzman\u012bbu ne tikai komfortam, bet ar\u012b funkcionalit\u0101tei un energoefektivit\u0101tei. Aptaujas liecina, ka vair\u0101k nek\u0101 pusei Latvijas iedz\u012bvot\u0101ju ir svar\u012bgi, lai izv\u0113l\u0113tais m\u0101joklis b\u016btu energoefekt\u012bvs \u2013 labi nosiltin\u0101ts un apr\u012bkots ar modern\u0101m apkures sist\u0113m\u0101m, kas pal\u012bdz samazin\u0101t ikm\u0113ne\u0161a komun\u0101lo pakalpojumu izdevumus. \u0160\u012b tendence veicina piepras\u012bjumu p\u0113c ilgtsp\u0113j\u012bgiem un videi draudz\u012bgiem risin\u0101jumiem nekustam\u0101 \u012bpa\u0161uma tirg\u016b. <\/p>\n
Euribor likmju tendences un kredit\u0113\u0161anas pieejam\u012bba<\/p>\n
Lai gan Euribor likmes ir stabiliz\u0113ju\u0161\u0101s, prognozes liecina par to turpm\u0101ku samazin\u0101\u0161anos. Eiropas Centr\u0101l\u0101s bankas eksperti prognoz\u0113, ka 2026. gad\u0101 Euribor likmes var\u0113tu nosl\u012bd\u0113t zem 2%. \u0160\u012b tendence, kop\u0101 ar stabilu algu pieaugumu un komercbanku gatav\u012bbu kredit\u0113t, padara m\u0101jok\u013cu ieg\u0101di arvien pieejam\u0101ku. Atg\u016bstoties tirgus aktivit\u0101tei, iedz\u012bvot\u0101ji akt\u012bv\u0101k izmanto kred\u012btus m\u0101jok\u013cu ieg\u0101dei, nevis izv\u0113las \u012bri, jo \u012bpa\u0161i, \u0146emot v\u0113r\u0101, ka \u012bres maksas ir strauji k\u0101pu\u0161as. <\/p>\n
Nekustam\u0101 \u012bpa\u0161uma tirgus n\u0101kotnes perspekt\u012bvas<\/p>\n
Eksperti prognoz\u0113, ka nekustam\u0101 \u012bpa\u0161uma cenu k\u0101pums Latvij\u0101 turpin\u0101sies, iesp\u0113jams, 5% robe\u017e\u0101s gad\u0101, tuvojoties Baltijas valstu l\u012bmenim. Lai gan b\u016bvniec\u012bbas izmaksu un birokr\u0101tijas izaicin\u0101jumi joproj\u0101m past\u0101v, tiek prognoz\u0113ts, ka kopum\u0101 Latvijas ekonomika un nekustam\u0101 \u012bpa\u0161uma tirgus piedz\u012bvos stabilu izaugsmi. Lai veicin\u0101tu ilgtsp\u0113j\u012bgu att\u012bst\u012bbu, nepiecie\u0161ama cie\u0161\u0101ka sadarb\u012bba starp nozari, valsti un pa\u0161vald\u012bb\u0101m.<\/p>\n","protected":false},"excerpt":{"rendered":"M\u0101jok\u013cu kredit\u0113\u0161anas aktivit\u0101te turpina augt M\u0101jok\u013cu kredit\u0113\u0161anas tirgus Latvij\u0101 piedz\u012bvo sp\u0113c\u012bgu izaugsmi, kas tiek prognoz\u0113ta ar\u012b 2026. gad\u0101.…\n","protected":false},"author":2,"featured_media":94252,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,635,23553,32,33,22,30,31,35,39,38,36,37,34,40,23552,4139,20,26,27,24,25,21],"class_list":{"0":"post-94251","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-buvniecibas-izmaksas","12":"tag-euribor","13":"tag-featured-news","14":"tag-featurednews","15":"tag-headlines","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-lv","25":"tag-majoklu-kreditesana","26":"tag-nekustamais-ipasums","27":"tag-news","28":"tag-popularakas-zinas","29":"tag-popularakaszinas","30":"tag-top-stories","31":"tag-topstories","32":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115837206671916898","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/94251","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=94251"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/94251\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/94252"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=94251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=94251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=94251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}