{"id":1102502,"date":"2016-03-01T11:20:58","date_gmt":"2016-03-01T09:20:58","guid":{"rendered":"http:\/\/www.realat.lv\/lv\/?p=1102502"},"modified":"2016-03-01T11:22:01","modified_gmt":"2016-03-01T09:22:01","slug":"nieciga-dala-hipotekaro-kreditu-nemeju-izvelas-ligumu-ar-nolikto-atslegu-principu","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/zina\/nieciga-dala-hipotekaro-kreditu-nemeju-izvelas-ligumu-ar-nolikto-atslegu-principu\/","title":{"rendered":"Niec\u012bga da\u013ca hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113ju izv\u0113las l\u012bgumu ar &#8220;nolikto atsl\u0113gu&#8221; principu"},"content":{"rendered":"<p><\/p>\n<div>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 18pt;\">Niec\u012bga da\u013ca hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113ju izv\u0113las l\u012bgumu ar &#8220;nolikto atsl\u0113gu&#8221; principu<\/span><\/strong><\/p>\n<p><strong><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-1102661 alignleft\" src=\"http:\/\/www.realat.lv\/wp-content\/uploads\/2016\/03\/large_b5a5.jpg\" alt=\"large_b5a5\" width=\"592\" height=\"350\" srcset=\"https:\/\/www.realat.lv\/wp-content\/uploads\/2016\/03\/large_b5a5.jpg 592w, https:\/\/www.realat.lv\/wp-content\/uploads\/2016\/03\/large_b5a5-300x177.jpg 300w\" sizes=\"(max-width: 592px) 100vw, 592px\" \/>Niec\u012bga da\u013ca m\u0101jok\u013cu pirc\u0113ju izv\u0113las sl\u0113gt hipotek\u0101r\u0101 kred\u012bta l\u012bgumu ar \u00abnolikto atsl\u0113gu\u00bb principu jeb l\u012bgumu, kas paredz, ka nepiecie\u0161am\u012bbas gad\u012bjum\u0101 hipotek\u0101ro kred\u012btu var piln\u012bb\u0101 dz\u0113st apmai\u0146\u0101 pret ie\u0137\u012bl\u0101to \u012bpa\u0161umu.<\/strong><\/p>\n<p>2014.gad\u0101 un 2015.gada s\u0101kum\u0101 norit\u0113ja diskusijas par oblig\u0101ta &#8220;nolikto atsl\u0113gu&#8221; principa ievie\u0161anu, politi\u0137i groz\u012bja likumus, banku p\u0101rst\u0101vji protest\u0113ja pret \u0161\u0101du oblig\u0101tu pras\u012bbu, l\u012bdz beidzot no p\u0113rn\u0101 marta &#8220;nolikto atsl\u0113gu&#8221; princips tika ieviests k\u0101 izv\u0113les iesp\u0113ja hipotek\u0101r\u0101 kred\u012bta \u0146\u0113m\u0113jam.<\/p>\n<p>Tom\u0113r m\u0101jok\u013cu pirc\u0113ji neizv\u0113las sl\u0113gt kred\u012bta l\u012bgumu ar &#8220;nolikto atsl\u0113gu&#8221; risin\u0101jumu, atkl\u0101j vair\u0101ku banku p\u0101rst\u0101vji.<\/p>\n<p>&#8220;Nordea&#8221; banka 2015.gad\u0101 kop\u0101 izsniedza vair\u0101k nek\u0101 1000 kred\u012btus m\u0101jsaimniec\u012bb\u0101m, no tiem tikai viens bija m\u0101jok\u013ca kred\u012bts ar &#8220;nolikto atsl\u0113gu&#8221; principu. T\u0101tad interese par \u0161o risin\u0101jumu ir niec\u012bga, atz\u012bst &#8220;Nordea&#8221; Kred\u012btu departamenta vad\u012bt\u0101js Rasmuss P\u0113tersons. Vi\u0146\u0161 skaidro, ka \u0161\u012b risin\u0101juma pluss ir klientam dot\u0101 iesp\u0113ja izv\u0113l\u0113ties, ta\u010du vairumam kred\u012bt\u0146\u0113m\u0113ju nav pietiekamu uzkr\u0101jumu. Ar &#8220;nolikto atsl\u0113gu&#8221; principu atkar\u012bb\u0101 no \u0137\u012blas veida, st\u0101vok\u013ca un atra\u0161an\u0101s vietas nepiecie\u0161ams papildu v\u0113l aptuveni 15-20% liel\u0101ks l\u012bdzfinans\u0113jums no pirkuma dar\u012bjuma summas, sal\u012bdzinot ar kred\u012bta aizdevuma dar\u012bjumu bez &#8220;nolikto atsl\u0113gu&#8221; principa. Piem\u0113ram, ieg\u0101d\u0101joties dz\u012bvokli jaun\u0101 projekt\u0101 bez &#8220;nolikto atsl\u0113gu&#8221; principa, j\u0101r\u0113\u0137in\u0101s ar l\u012bdzfinans\u0113juma apm\u0113ru 15% apm\u0113r\u0101 no \u012bpa\u0161uma v\u0113rt\u012bbas, bet ar &#8220;nolikto atsl\u0113gu&#8221; principu &#8211; 35% apm\u0113r\u0101 no \u012bpa\u0161uma v\u0113rt\u012bbas. Savuk\u0101rt, izmantojot valsts galvojuma programmu \u0123imen\u0113m ar b\u0113rniem, l\u012bdzfinans\u0113juma apm\u0113rs samazin\u0101s l\u012bdz 5%. Ir ar\u012b klienti, kuriem ir pietiekams l\u012bdzfinans\u0113jums, lai var\u0113tu izv\u0113l\u0113ties &#8220;nolikt\u0101s atsl\u0113gas&#8221;, ta\u010du tie lab\u0101k izv\u0113las izmantot da\u013cu savu uzkr\u0101to l\u012bdzek\u013cu citiem m\u0113r\u0137iem, atst\u0101jot tos sev k\u0101 dro\u0161\u012bbas spilvenu vai ieguldot.<\/p>\n<p>&#8220;Nordea&#8221; bankas nov\u0113rojumi liecina, ka tirg\u016b interese un piepras\u012bjums p\u0113c m\u0101jok\u013ca kred\u012btiem ar galvojumu, kas \u013cauj ieg\u0101d\u0101ties \u012bpa\u0161umu ar maz\u0101ku klienta l\u012bdzfinans\u0113jumu, ir daudz liel\u0101ka nek\u0101 p\u0113c &#8220;noliktaj\u0101m atsl\u0113g\u0101m&#8221;, kas apliecina, ka uzkr\u0101jumu neesam\u012bba ir viens no liel\u0101kajiem \u0161\u0137\u0113r\u0161\u013ciem m\u0101jok\u013ca kred\u012bta sa\u0146em\u0161anai. V\u0113l viens b\u016btisks \u0161\u0137\u0113rslis m\u0101jok\u013cu kred\u012btu sa\u0146em\u0161anai ir \u0113nu ekonomika, kas ne\u013cauj pier\u0101d\u012bt ie\u0146\u0113mumus un sa\u0146emt kred\u012btu. \u0112nu ekonomikas mazin\u0101\u0161ana var\u0113tu veicin\u0101t kred\u012btu pieejam\u012bbu, un tas ir valsts m\u0113rog\u0101 risin\u0101ms jaut\u0101jums.<\/p>\n<p>Ar\u012b &#8220;Swedbank&#8221; l\u012bgumu ar &#8220;nolikto atsl\u0113gu&#8221; principu izv\u0113l\u0113jies niec\u012bgs skaits klientu &#8211; aizdevumu ar ierobe\u017eotu klienta atbild\u012bbu izv\u0113l\u0113ju\u0161ies pieci bankas klienti. Sal\u012bdzin\u0101jumam &#8211; kopum\u0101 &#8220;Swedbank&#8221; 2015.gad\u0101 izsniedza 2550 hipotek\u0101ros kred\u012btus. \u0160ie dati r\u0101da, ka paties\u012bb\u0101 pat\u0113r\u0113t\u0101jam \u0161\u0101ds regul\u0113jums nav aktu\u0101ls un nepiecie\u0161ams, atz\u012bst &#8220;Swedbank&#8221; Hipotek\u0101r\u0101s kredit\u0113\u0161anas atbalsta da\u013cas vad\u012bt\u0101js Normunds D\u016bcis. Ja klients aiz\u0146emoties apzin\u0101s saist\u012bbas, kuras vi\u0146\u0161 uz\u0146emas un ir gatavs t\u0101s ar\u012b pild\u012bt, jaut\u0101jums par atbr\u012bvo\u0161anos no saist\u012bb\u0101m \u012bpa\u0161uma piespiedu realiz\u0101cijas ce\u013c\u0101 pats no sevis k\u013c\u016bst maz\u0101k aktu\u0101ls, atz\u012bm\u0113 D\u016bcis.<\/p>\n<p>&#8220;SEB bank\u0101&#8221; l\u012bdz \u0161im nav nosl\u0113gts neviens l\u012bgums ar &#8220;nolikto atsl\u0113gu&#8221; risin\u0101jumu. &#8220;SEB bankas&#8221; \u0101r\u0113j\u0101s komunik\u0101cijas vad\u012bt\u0101js M\u0101rti\u0146\u0161 Panke paskaidroja, ka banka hipotek\u0101ro kred\u012btu ar &#8220;nolikto atsl\u0113gu&#8221; iesp\u0113ju pied\u0101v\u0101 visiem klientiem, kas interes\u0113jas par sava m\u0101jok\u013ca ieg\u0101di, ta\u010du t\u0101 piepras\u012bjums ir zems un klienti visbie\u017e\u0101k izv\u0113las klasisko aizdevumu m\u0101jok\u013ca ieg\u0101dei. &#8220;Ar tiem klientiem, kas izr\u0101d\u012bju\u0161i nopietnu interesi par aizdevumu ar &#8220;nolikto atsl\u0113gu&#8221; iesp\u0113ju, esam vienoju\u0161ies par dar\u012bjuma nosac\u012bjumiem, ta\u010du da\u017e\u0101du iemeslu d\u0113\u013c neviens dar\u012bjums v\u0113l aizvien nav nosl\u0113gts &#8211; liel\u0101koties t\u0101d\u0113\u013c, ka klients main\u012bjis savas domas,&#8221; paskaidroja bankas p\u0101rst\u0101vis. Kopum\u0101 &#8220;SEB banka&#8221; 2015.gad\u0101 izsniedza gandr\u012bz 1600 aizdevumus m\u0101jok\u013ca ieg\u0101dei, un tas ir par aptuveni 10% vair\u0101k nek\u0101 2014.gad\u0101.<\/p>\n<p>Vair\u0101k aizdevumu ar ie\u0137\u012bl\u0101t\u0101 \u012bpa\u0161uma nodo\u0161anas ties\u012bb\u0101m izsniegusi banka &#8220;Citadele&#8221;, kura \u0161\u0101du risin\u0101jumu s\u0101ka pied\u0101v\u0101t jau 2011.gad\u0101. Bankas &#8220;Citadele&#8221; \u0101r\u0113j\u0101s komunik\u0101cijas vad\u012bt\u0101ja Baiba \u0100belniece inform\u0113, ka &#8220;Citadele&#8221; l\u012bdz \u0161im izsniegusi 165 kred\u012btus ar ie\u0137\u012bl\u0101t\u0101 \u012bpa\u0161uma nodo\u0161anas ties\u012bb\u0101m par kop\u0113jo summu aptuveni 5,7 miljoni eiro. Visliel\u0101k\u0101 klientu aktivit\u0101te bijusi pag\u0101ju\u0161aj\u0101 gad\u0101. Bankas p\u0101rst\u0101ve atz\u012bst, ka interese par &#8220;nolikto atsl\u0113gu&#8221; risin\u0101jumu ir liel\u0101ka, nek\u0101 iedz\u012bvot\u0101ji to izv\u0113las, jo \u0161im kred\u012bta veidam nepiecie\u0161ama liel\u0101ka pirm\u0101 iemaksa nek\u0101 standarta gad\u012bjum\u0101. Citi kred\u012bta nosac\u012bjumi &#8211; procentu likme un termi\u0146\u0161 &#8211; bank\u0101 &#8220;Citadele&#8221; ir vien\u0101di. Galvenais iemesls, k\u0101 d\u0113\u013c cilv\u0113ki ir ieinteres\u0113ti izv\u0113l\u0113ties kred\u012btu ar &#8220;nolikto atsl\u0113gu&#8221; principu, ir dro\u0161\u012bbas saj\u016bta, ka gad\u012bjum\u0101, ja cilv\u0113kam rad\u012bsies neparedz\u0113ta kr\u012bzes situ\u0101cija un vi\u0146\u0161 nevar\u0113s atmaks\u0101t kred\u012btu, kred\u012btsaist\u012bbas tiks dz\u0113stas neatkar\u012bgi no situ\u0101cijas tirg\u016b.<\/p>\n<p>\u00a0LETA<\/p>\n<\/div>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Niec\u012bga da\u013ca hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113ju izv\u0113las l\u012bgumu ar &#8220;nolikto atsl\u0113gu&#8221; principu Niec\u012bga da\u013ca m\u0101jok\u013cu pirc\u0113ju izv\u0113las sl\u0113gt hipotek\u0101r\u0101 kred\u012bta l\u012bgumu ar \u00abnolikto atsl\u0113gu\u00bb principu jeb l\u012bgumu, kas paredz, ka nepiecie\u0161am\u012bbas&#8230; <\/p>\n","protected":false},"author":2,"featured_media":1102661,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1102502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Niec\u012bga da\u013ca hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113ju izv\u0113las l\u012bgumu ar &quot;nolikto atsl\u0113gu&quot; 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