{"id":2048267,"date":"2025-07-30T10:08:37","date_gmt":"2025-07-30T07:08:37","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2048267"},"modified":"2025-07-30T12:13:46","modified_gmt":"2025-07-30T09:13:46","slug":"2048267","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/ieteikumi-rekomendacijas\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\/","title":{"rendered":"K\u0101 ieg\u0101d\u0101ties nekustamo \u012bpa\u0161umu ar hipotek\u0101ro kred\u012btu?"},"content":{"rendered":"<p><\/p>\n<h1>K\u0101 ieg\u0101d\u0101ties nekustamo \u012bpa\u0161umu ar hipotek\u0101ro kred\u012btu?<\/h1>\n<p><strong>Vai pl\u0101no ieg\u0101d\u0101ties m\u0101jokli, bet pilna summa nav uzreiz pieejama?<\/strong> Liela da\u013ca m\u0101jok\u013cu Latvij\u0101 tiek ieg\u0101d\u0101ti ar <strong>hipotek\u0101ro kred\u012btu<\/strong>, un \u0161is ce\u013cvedis pal\u012bdz\u0113s saprast, <strong>k\u0101 soli pa solim notiek nekustam\u0101 \u012bpa\u0161uma ieg\u0101de ar bankas pal\u012bdz\u012bbu.<\/strong><\/p>\n<hr \/>\n<h2>Satura r\u0101d\u012bt\u0101js:<\/h2>\n<ul>\n<li><a href=\"#kas-ir-hipotekarais-kredits\">Kas ir hipotek\u0101rais kred\u012bts?<\/a><\/li>\n<li><a href=\"#prasibas-kredita-sanemsanai\">Pras\u012bbas hipotek\u0101r\u0101 kred\u012bta sa\u0146em\u0161anai<\/a><\/li>\n<li><a href=\"#soli-pa-solim\">Soli pa solim: k\u0101 ieg\u0101d\u0101ties \u012bpa\u0161umu ar kred\u012btu<\/a><\/li>\n<li><a href=\"#bankas\">Popul\u0101r\u0101k\u0101s bankas Latvij\u0101<\/a><\/li>\n<li><a href=\"#padomi\">Noder\u012bgi padomi pirms aiz\u0146em\u0161an\u0101s<\/a><\/li>\n<li><a href=\"#buj\">Bie\u017e\u0101k uzdotie jaut\u0101jumi (BUJ)<\/a><\/li>\n<\/ul>\n<hr \/>\n<h2 id=\"kas-ir-hipotekarais-kredits\">Kas ir hipotek\u0101rais kred\u012bts?<\/h2>\n<p><strong>Hipotek\u0101rais kred\u012bts<\/strong> ir ilgtermi\u0146a aizdevums, ko banka pie\u0161\u0137ir, lai persona var\u0113tu ieg\u0101d\u0101ties <strong>dz\u012bvokli, m\u0101ju vai zemesgabalu<\/strong>. Parasti \u0161is kred\u012bts tiek izsniegts uz 10\u201330 gadiem, un ieg\u0101d\u0101tais \u012bpa\u0161ums kalpo k\u0101 <strong>nodro\u0161in\u0101jums<\/strong> bankai.<\/p>\n<h2 id=\"prasibas-kredita-sanemsanai\">Pras\u012bbas hipotek\u0101r\u0101 kred\u012bta sa\u0146em\u0161anai<\/h2>\n<p>Lai sa\u0146emtu hipotek\u0101ro kred\u012btu Latvij\u0101, pieteic\u0113jam parasti j\u0101atbilst \u0161\u0101diem krit\u0113rijiem:<\/p>\n<ul>\n<li>Stabils un regul\u0101rs ien\u0101kumu avots<\/li>\n<li>Pozit\u012bva kred\u012btv\u0113sture<\/li>\n<li>Pirm\u0101 iemaksa vismaz 10\u201320% no \u012bpa\u0161uma v\u0113rt\u012bbas<\/li>\n<li>Notur\u012bga darba vieta vai ilgtsp\u0113j\u012bgs ien\u0101kumu modelis<\/li>\n<li>Latvijas pilson\u012bba vai past\u0101v\u012bga uztur\u0113\u0161an\u0101s at\u013cauja<\/li>\n<\/ul>\n<h2 id=\"soli-pa-solim\">Soli pa solim: k\u0101 ieg\u0101d\u0101ties \u012bpa\u0161umu ar kred\u012btu<\/h2>\n<h3>1. Izv\u0113lies piem\u0113rotu \u012bpa\u0161umu<\/h3>\n<p>Izv\u0113rt\u0113 savas vajadz\u012bbas \u2013 atra\u0161an\u0101s vieta, plat\u012bba, \u0113kas st\u0101voklis. P\u0101rbaudi \u012bpa\u0161uma statusu Zemesgr\u0101mat\u0101.<\/p>\n<h3>2. Apr\u0113\u0137ini savas iesp\u0113jas<\/h3>\n<p>Izmanto <strong>hipotek\u0101r\u0101 kred\u012bta kalkulatorus<\/strong> banku m\u0101jaslap\u0101s. R\u0113\u0137ini ar\u012b ar papildu izmaks\u0101m (not\u0101rs, apdro\u0161in\u0101\u0161ana u.c.).<\/p>\n<h3>3. Ieg\u016bsti bankas kred\u012bta pied\u0101v\u0101jumu<\/h3>\n<p>Aizpildi kred\u012bta pieteikumu. Banka izv\u0113rt\u0113s Tavu maks\u0101tsp\u0113ju un var izsniegt priek\u0161apstiprin\u0101jumu.<\/p>\n<h3>4. Veic pirmo iemaksu un sl\u0113dz l\u012bgumu<\/h3>\n<p>P\u0113c apstiprin\u0101juma tiek sl\u0113gts kred\u012bta l\u012bgums, un Tu veic pirmo iemaksu (parasti 10\u201315%).<\/p>\n<h3>5. Nodro\u0161ini \u012bpa\u0161uma apdro\u0161in\u0101\u0161anu un ie\u0137\u012bl\u0101\u0161anu<\/h3>\n<p>\u012apa\u0161ums tiek apdro\u0161in\u0101ts un ie\u0137\u012bl\u0101ts bankas lab\u0101, k\u0101 noteikts l\u012bgum\u0101.<\/p>\n<h3>6. Re\u0123istr\u0113 \u012bpa\u0161umu Zemesgr\u0101mat\u0101<\/h3>\n<p>P\u0113c notari\u0101las apstiprin\u0101\u0161anas un dokumentu iesnieg\u0161anas Zemesgr\u0101mat\u0101 \u012bpa\u0161ums tiek re\u0123istr\u0113ts uz Tava v\u0101rda un Tu s\u0101c maks\u0101t kred\u012btu saska\u0146\u0101 ar grafiku.<\/p>\n<h2 id=\"bankas\">Popul\u0101r\u0101k\u0101s bankas Latvij\u0101<\/h2>\n<ul>\n<li><strong>Swedbank<\/strong>\u00a0<\/li>\n<li><strong>SEB banka<\/strong>\u00a0<\/li>\n<li><strong>Citadele<\/strong>\u00a0<\/li>\n<li><strong>Luminor<\/strong>\u00a0<\/li>\n<\/ul>\n<h2 id=\"padomi\">Noder\u012bgi padomi pirms aiz\u0146em\u0161an\u0101s<\/h2>\n<ul>\n<li>Sal\u012bdzini vair\u0101kus pied\u0101v\u0101jumus<\/li>\n<li>Izv\u0113rt\u0113 ilgtermi\u0146a sp\u0113jas atmaks\u0101t kred\u012btu<\/li>\n<li>R\u0113\u0137inies ar papildus izmaks\u0101m (not\u0101rs, Zemesgr\u0101mata, apdro\u0161in\u0101\u0161ana)<\/li>\n<li>Izmanto <strong>ALTUM garantiju<\/strong>, ja esi jaun\u0101 \u0123imene vai jaunais speci\u0101lists<\/li>\n<\/ul>\n<h2 id=\"buj\">Bie\u017e\u0101k uzdotie jaut\u0101jumi (BUJ)<\/h2>\n<h3>Vai varu sa\u0146emt hipotek\u0101ro kred\u012btu ar maz\u0101kiem ien\u0101kumiem?<\/h3>\n<p>J\u0101, ja ir galvot\u0101js, l\u012bdz\u012bgi aiz\u0146\u0113m\u0113ji vai papildu ien\u0101kumi.<\/p>\n<h3>Cik ilg\u0101 laik\u0101 banka izskata pieteikumu?<\/h3>\n<p>Parasti 5\u201310 darba dienas. Ilg\u0101k, ja nepiecie\u0161ami papildu dokumenti.<\/p>\n<h3>Kas notiek, ja nesp\u0113ju vairs maks\u0101t kred\u012btu?<\/h3>\n<p>Nekav\u0113joties j\u0101sazin\u0101s ar banku \u2013 iesp\u0113jama maks\u0101jumu atlik\u0161ana vai p\u0101rstruktur\u0113\u0161ana.<\/p>\n<h2 id=\"realat-sadarbibas-bankas\">Realat sadarb\u012bbas bankas \u2013 priek\u0161roc\u012bbas pirc\u0113jiem<\/h2>\n<p><strong>Realat sadarbojas ar vado\u0161aj\u0101m Latvijas bank\u0101m<\/strong>, kas noz\u012bm\u0113, ka m\u016bsu klientiem pieejami <strong>izdev\u012bg\u0101ki nosac\u012bjumi nek\u0101 tad, ja vi\u0146i v\u0113rstos bank\u0101 pa\u0161i<\/strong>.<\/p>\n<p>Izmantojot Realat starpniec\u012bbu:<\/p>\n<ul>\n<li>Tu vari sa\u0146emt <strong>samazin\u0101tas kred\u012btl\u012bguma noform\u0113\u0161anas izmaksas vai izdev\u012bg\u0101kus kredit\u0113\u0161anas nosac\u012bjumus<\/strong><\/li>\n<li>Kred\u012bta pieteikums tiek izskat\u012bts <strong>\u0101tr\u0101k un efekt\u012bv\u0101k<\/strong><\/li>\n<li>Sa\u0146em konsult\u0101ciju un atbalstu vis\u0101 dar\u012bjuma gait\u0101<\/li>\n<\/ul>\n<p><strong>Neesi viens \u0161aj\u0101 proces\u0101 \u2013 Realat pal\u012bdz nodro\u0161in\u0101t dro\u0161u un izdev\u012bgu dar\u012bjumu gan pieredz\u0113ju\u0161iem, gan pirmreiz\u0113jiem m\u0101jok\u013ca pirc\u0113jiem.<\/strong><\/p>\n<p><a href=\"https:\/\/www.realat.lv\/lv\/komanda\/\">Sazinies ar REALAT nekustamo \u012bpa\u0161umu speci\u0101listu&gt;<\/a><\/p>\n<p><a href=\"https:\/\/www.realat.lv\/lv\/pardevejiem\/\">Pieteikt \u012bpa\u0161umu p\u0101rdo\u0161anai&gt;<\/a><\/p>\n<p><a href=\"https:\/\/www.realat.lv\/\">Pirkt \u012bpa\u0161umu&gt;\u00a0<\/a><\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>K\u0101 ieg\u0101d\u0101ties nekustamo \u012bpa\u0161umu ar hipotek\u0101ro kred\u012btu? Vai pl\u0101no ieg\u0101d\u0101ties m\u0101jokli, bet pilna summa nav uzreiz pieejama? Liela da\u013ca m\u0101jok\u013cu Latvij\u0101 tiek ieg\u0101d\u0101ti ar hipotek\u0101ro kred\u012btu, un \u0161is ce\u013cvedis pal\u012bdz\u0113s&#8230; <\/p>\n","protected":false},"author":223336,"featured_media":2048268,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":["post-2048267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ieteikumi-rekomendacijas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>K\u0101 ieg\u0101d\u0101ties nekustamo \u012bpa\u0161umu ar hipotek\u0101ro kred\u012btu? - REALAT.lv<\/title>\n<meta name=\"description\" content=\"Vai pl\u0101no ieg\u0101d\u0101ties m\u0101jokli, bet pilna summa nav uzreiz pieejama? 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Liela da\u013ca m\u0101jok\u013cu Latvij\u0101 tiek ieg\u0101d\u0101ti ar hipotek\u0101ro kred\u012btu, un \u0161is ce\u013cvedis pal\u012bdz\u0113s saprast, k\u0101 soli pa solim notiek nekustam\u0101 \u012bpa\u0161uma ieg\u0101de ar bankas pal\u012bdz\u012bbu.{:}\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/07\/hipotekarais-kredits-Realat-1.jpeg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Renate\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/\"},\"author\":{\"name\":\"Renate\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/ce19012f9abda33dfb93e28e1f641989\"},\"headline\":\"K\u0101 ieg\u0101d\u0101ties nekustamo \u012bpa\u0161umu ar hipotek\u0101ro kred\u012btu?\",\"datePublished\":\"2025-07-30T07:08:37+00:00\",\"dateModified\":\"2025-07-30T09:13:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/\"},\"wordCount\":709,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.realat.lv\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/hipotekarais-kredits-Realat-1.jpeg\",\"articleSection\":[\"IETEIKUMI \\\/ REKOMEND\u0100CIJAS\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/\",\"url\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/\",\"name\":\"K\u0101 ieg\u0101d\u0101ties nekustamo \u012bpa\u0161umu ar hipotek\u0101ro kred\u012btu? - REALAT.lv\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/ieteikumi-rekomendacijas\\\/ka-iegadaties-nekustamo-ipasumu-ar-hipotekaro-kreditu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.realat.lv\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/hipotekarais-kredits-Realat-1.jpeg\",\"datePublished\":\"2025-07-30T07:08:37+00:00\",\"dateModified\":\"2025-07-30T09:13:46+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/ce19012f9abda33dfb93e28e1f641989\"},\"description\":\"{:lv}Vai pl\u0101no ieg\u0101d\u0101ties m\u0101jokli, bet pilna summa nav uzreiz pieejama? 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