{"id":2048367,"date":"2025-09-04T17:19:03","date_gmt":"2025-09-04T14:19:03","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2048367"},"modified":"2026-01-14T09:18:07","modified_gmt":"2026-01-14T07:18:07","slug":"ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/zina\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\/","title":{"rendered":"Ko izv\u0113l\u0113ties \u2013 fiks\u0113to vai main\u012bgo hipotek\u0101r\u0101 kred\u012bta likmi"},"content":{"rendered":"<p><\/p>\n<p><span class=\"article-lead\">\u2018\u2019Izv\u0113le starp fiks\u0113to un main\u012bgo procentu likmi nosaka to, cik\u00a0 prognoz\u0113jams un stabils b\u016bs ikm\u0113ne\u0161a maks\u0101jums visa kred\u012bta period\u0101. Ja nav skaidrs, k\u0101 darbojas katrs risin\u0101jums, past\u0101v risks saskarties ar nepl\u0101notiem maks\u0101jumu pieaugumiem vai ar\u012b zaud\u0113t iesp\u0113ju izmantot labv\u0113l\u012bgas procentu likmju izmai\u0146as tirg\u016b, \u2018\u2019 skaidro Artis Zei\u013ca, bankas Citadele sadarb\u012bbas partneru attiec\u012bbu vad\u012bt\u0101js.\u00a0 \u00a0<\/span><\/p>\n<p><strong>J\u0101izv\u0113rt\u0113 sava finansi\u0101l\u0101 situ\u0101cija un v\u0113lme uz\u0146emties risku<\/strong><\/p>\n<p>Hipotek\u0101ro kred\u012btu iesp\u0113jams noform\u0113t ar main\u012bgo vai fiks\u0113to procentu likmi,\u00a0 katrai iesp\u0113jai ir gan savas priek\u0161roc\u012bbas, gan riski. Main\u012bg\u0101 likme sast\u0101v no bankas noteikt\u0101s pievienot\u0101s likmes un Euribor, kura v\u0113rt\u012bba tiek regul\u0101ri p\u0101rskat\u012bta ik p\u0113c 3, 6 vai 12 m\u0113ne\u0161iem. Tas noz\u012bm\u0113, ja klients izv\u0113l\u0101s 6 m\u0113ne\u0161u periodu, tad visu \u0161o pusgadu ir piem\u0113rota viena procentu likme, un p\u0113c tam t\u0101 main\u0101s atkar\u012bb\u0101 no Euribor jaun\u0101s likmes.<\/p>\n<p>Main\u012bg\u0101 likme dod iesp\u0113ju g\u016bt labumu no tirgus likmju krituma, jo maks\u0101jums samazin\u0101s l\u012bdz ar Euribor v\u0113rt\u012bbu. Ta\u010du past\u0101v risks, ka Euribor k\u0101puma laik\u0101 kred\u012bta maks\u0101jumi pieaugs un palielin\u0101s finansi\u0101lo slogu. Izv\u0113loties main\u012bgo likmi, j\u0101nov\u0113rt\u0113 sava gatav\u012bba uz\u0146emties \u0161o risku un segt iesp\u0113jamos izmaksu k\u0101pumus.<\/p>\n<p>Savuk\u0101rt fiks\u0113t\u0101 procentu likme nodro\u0161ina stabilu un nemain\u012bgu ikm\u0113ne\u0161a maks\u0101jumu noteikt\u0101 termi\u0146\u0101 \u2013 visbie\u017e\u0101k 2 un 5 gadu garum\u0101. Tas pasarg\u0101 klientu no strauj\u0101m tirgus sv\u0101rst\u012bb\u0101m un \u013cauj dro\u0161\u0101k pl\u0101not bud\u017eetu, tom\u0113r \u0161\u0101da likme s\u0101kotn\u0113ji ir augst\u0101ka nek\u0101 main\u012bg\u0101. Kad Euribor samazin\u0101s, fiks\u0113t\u0101s likmes klienti nevar izmantot zem\u0101ku maks\u0101jumu priek\u0161roc\u012bbu l\u012bdz l\u012bguma termi\u0146a beig\u0101m. Ja likmes veidu v\u0113las main\u012bt \u0101tr\u0101k, j\u0101r\u0113\u0137in\u0101s, ka var n\u0101kties segt likmes lau\u0161anas izdevumus.<\/p>\n<p>\u2018\u2019Fiks\u0113to likmi parasti izv\u0113las \u00a0tad, ja v\u0113las izvair\u012bties no b\u016btisk\u0101m maks\u0101jumu sv\u0101rst\u012bb\u0101m. Tom\u0113r nav iesp\u0113jams prec\u012bzi paredz\u0113t, kur\u0161 risin\u0101jums ilgtermi\u0146\u0101 b\u016bs izdev\u012bg\u0101ks, jo procentu likmju dinamika ir main\u012bga. J\u0101patur pr\u0101t\u0101, ka tik straujas Euribor sv\u0101rst\u012bbas k\u0101 pirms p\u0101ris gadiem ir iz\u0146\u0113mums, nevis norma, \u2018\u2019 koment\u0113\u00a0<strong>Artis Zei\u013ca<\/strong>.<\/p>\n<p><strong>K\u0101 izv\u0113l\u0113ties main\u012bg\u0101s likmes Euribor k\u0101puma vai krituma laik\u0101?<\/strong><\/p>\n<p>Eksperts aicina, izv\u0113loties starp fiks\u0113to un main\u012bgo procentu likmi,\u00a0 \u0146emt v\u0113r\u0101 Euribor procentu likmi tirg\u016b, savu finan\u0161u stabilit\u0101ti un iesp\u0113jas, k\u0101 ar\u012b ilgtermi\u0146a pl\u0101nus, piem\u0113ram, \u0123imenes pieaugumu, ien\u0101kumus vai darba vietas mai\u0146u, p\u0101rcel\u0161anos vai \u012bpa\u0161uma p\u0101rdo\u0161anu, kas var ietekm\u0113t kred\u012btsaist\u012bbu izpildi.<\/p>\n<p>Ja Euribor pieaug, ieteicams izv\u0113l\u0113ties gar\u0101ku periodu main\u012bgajai likmei, piem\u0113ram, 12 m\u0113ne\u0161us. Tas noz\u012bm\u0113, ka kred\u012bta maks\u0101jums \u00a0saglab\u0101sies nemain\u012bgs ilg\u0101k, pat, ja tirg\u016b procentu likmes s\u0101ks pieaugt. \u0160\u0101d\u0101 veid\u0101 ir iesp\u0113jams atlikt br\u012bdi, kad maks\u0101jums k\u013c\u016bst liel\u0101ks, un sagatavoties finansi\u0101laj\u0101m izmai\u0146\u0101m.<\/p>\n<p>Ja Euribor kr\u012btas, izdev\u012bg\u0101k izv\u0113l\u0113ties bie\u017e\u0101ku likmes p\u0101rskat\u012b\u0161anu, piem\u0113ram, ik p\u0113c 3 m\u0113ne\u0161iem. Tas \u013cauj kred\u012bt\u0146\u0113m\u0113jam \u0101tr\u0101k izmantot tirgus samazin\u0101juma priek\u0161roc\u012bbas un veikt maz\u0101kus ikm\u0113ne\u0161a maks\u0101jumus jau tuv\u0101kaj\u0101 laik\u0101. \u012as\u0101ks periods dod iesp\u0113ju elast\u012bg\u0101k rea\u0123\u0113t uz procentu kritumu un ietaup\u012bt ilgtermi\u0146\u0101.<\/p>\n<p><strong>Likmes pl\u0101nu iesp\u0113jams piel\u0101got ar\u012b p\u0113c l\u012bguma nosl\u0113g\u0161anas<\/strong><\/p>\n<p>Visdro\u0161\u0101k main\u012bt starpbanku likmes veidu vai periodu ir br\u012bd\u012b, kad tuvojas izv\u0113l\u0113t\u0101 termi\u0146a beigas, k\u0101 ar\u012b tad, ja Euribor b\u016btiski maina virzienu vai ja finansi\u0101l\u0101 situ\u0101cija un ilgtermi\u0146a pl\u0101ni prasa liel\u0101ku stabilit\u0101ti, vai, tie\u0161i otr\u0101di, rada iesp\u0113ju uz\u0146emties risku.<\/p>\n<p>Sl\u0113dzot hipotek\u0101r\u0101 kred\u012bta l\u012bgumu, j\u0101izv\u0113las likmes \u00a0veids, bet \u0161o izv\u0113li v\u0113l\u0101k var main\u012bt. Bankas paredz iesp\u0113ju v\u0113l\u0101k p\u0101riet uz citu likmes veidu, iev\u0113rojot l\u012bguma noteikumus. Turkl\u0101t izmai\u0146as iesp\u0113jamas ne vien starp fiks\u0113to un main\u012bgo likmi, bet ar\u012b attiec\u012bb\u0101 uz main\u012bg\u0101s likmes p\u0101rskat\u012b\u0161anas termi\u0146iem.<\/p>\n<p>Pirms main\u012bt likmes veidu vai periodu, noteikti vajag konsult\u0113ties ar banku, jo p\u0101rejot no gar\u0101ka uz \u012bs\u0101ku periodu laik\u0101, kad aktu\u0101l\u0101 Euribor likme ir zem\u0101ka, klientam var n\u0101kties segt procentu starp\u012bbu l\u012bdz mai\u0146as br\u012bdim.<\/p>\n<p>www.varianti.lv<\/p>\n<div class=\"center-block\"><h2 class=\"center osLight pt20\" style=\"color:#9D9FA2;font-size:30px;\">Atsauksmes no  m\u016bsu klientiem<\/h2><div class=\"underline\"><img decoding=\"async\" src=\"https:\/\/www.realat.lv\/wp-content\/themes\/realeswp\/images\/line.png\"\/><\/div><div class=\"row pb40\"><div id=\"home-testimonials\" class=\"carousel slide carousel-wb mb20\" data-ride=\"carousel\"><ol class=\"carousel-indicators\"><li data-target=\"#home-testimonials\" data-slide-to=\"0\"class=\"active\" ><\/li><li data-target=\"#home-testimonials\" data-slide-to=\"1\" ><\/li><li data-target=\"#home-testimonials\" data-slide-to=\"2\" ><\/li><\/ol><div class=\"carousel-inner\" style=\"padding-left:20px;padding-right:20px;height:100px\"><div class=\"item active\"><div style=\"background-size:auto 100%;position:absolute;background-image:url(https:\/\/www.realat.lv\/wp-content\/uploads\/2021\/02\/72580345_2684994254878344_5049897288210579456_n.jpg);background-position:center;background-repeat:no-repeat;\"><img decoding=\"async\" src=\"https:\/\/www.realat.lv\/wp-content\/themes\/realeswp\/images\/big_agent_frame.png\" alt=\"Sergejs \u0160urpickis\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">Lielisks savas jomas speci\u0101lists. Skaidra komunik\u0101cija, saprotami izskaidro juridiskos procesus un lietu virz\u012bbu. <strong><a class=\"read-more\" href=\"https:\/\/www.realat.lv\/lv\/atsauksmes\/sergejs-surpickis\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">Sergejs \u0160urpickis<\/div><\/div><\/div><div class=\"item\"><div style=\"background-size:100px;position:absolute;background-image:url(https:\/\/www.realat.lv\/wp-content\/themes\/realeswp\/images\/avatar.png);background-position:center;background-repeat:no-repeat;\"><img decoding=\"async\" src=\"https:\/\/www.realat.lv\/wp-content\/themes\/realeswp\/images\/big_agent_frame.png\" alt=\"LELA GERGEDAVA\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">Gribu izteikt \u012bpa\u0161u pateic\u012bbu Anetei par to, ka vi\u0146a piemekl\u0113ja man tie\u0161i t\u0101du dz\u012bvokli, k\u0101du v\u0113l\u0113jos. Vi\u0146a to visu paveica profesion\u0101li: vi\u0146ai bija daudz variantu, bet vi\u0146a man atlas\u012bja to, kas bija man vispiem\u0113rot\u0101kais. REALAT&hellip; <strong><a class=\"read-more\" href=\"https:\/\/www.realat.lv\/lv\/atsauksmes\/lela-gergedava\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">LELA GERGEDAVA<\/div><\/div><\/div><div class=\"item\"><div style=\"background-size:100px;position:absolute;background-image:url(https:\/\/www.realat.lv\/wp-content\/themes\/realeswp\/images\/avatar.png);background-position:center;background-repeat:no-repeat;\"><img decoding=\"async\" src=\"https:\/\/www.realat.lv\/wp-content\/themes\/realeswp\/images\/big_agent_frame.png\" alt=\"Renata\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">REALAT, Liels paldies, ka pal\u012bdz\u0113j\u0101t maniem vec\u0101kiem no\u012br\u0113t dz\u012bvokli Jugl\u0101. Es augsti v\u0113rt\u0113ju J\u016bsu lielo darbu. Es nov\u0113lu Jums Priec\u012bgus Ziemassv\u0113tkus un laim\u012bgu Jauno gadu! <strong><a class=\"read-more\" href=\"https:\/\/www.realat.lv\/lv\/atsauksmes\/renata\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">Renata<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u2018\u2019Izv\u0113le starp fiks\u0113to un main\u012bgo procentu likmi nosaka to, cik\u00a0 prognoz\u0113jams un stabils b\u016bs ikm\u0113ne\u0161a maks\u0101jums visa kred\u012bta period\u0101. Ja nav skaidrs, k\u0101 darbojas katrs risin\u0101jums, past\u0101v risks saskarties ar&#8230; <\/p>\n","protected":false},"author":223336,"featured_media":2048368,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2048367","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ko izv\u0113l\u0113ties \u2013 fiks\u0113to vai main\u012bgo hipotek\u0101r\u0101 kred\u012bta likmi - REALAT.lv<\/title>\n<meta name=\"description\" content=\"Hipotek\u0101ro kred\u012btu iesp\u0113jams noform\u0113t ar main\u012bgo vai fiks\u0113to procentu likmi,\u00a0 katrai iesp\u0113jai ir gan savas priek\u0161roc\u012bbas, gan riski. Main\u012bg\u0101 likme sast\u0101v no bankas noteikt\u0101s pievienot\u0101s likmes un Euribor, kura v\u0113rt\u012bba tiek regul\u0101ri p\u0101rskat\u012bta ik p\u0113c 3, 6 vai 12 m\u0113ne\u0161iem. Tas noz\u012bm\u0113, ja klients izv\u0113l\u0101s 6 m\u0113ne\u0161u periodu, tad visu \u0161o pusgadu ir piem\u0113rota viena procentu likme, un p\u0113c tam t\u0101 main\u0101s atkar\u012bb\u0101 no Euribor jaun\u0101s likmes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Ko izv\u0113l\u0113ties \u2013 fiks\u0113to vai main\u012bgo hipotek\u0101r\u0101 kred\u012bta likmi - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"{:lv}Hipotek\u0101ro kred\u012btu iesp\u0113jams noform\u0113t ar main\u012bgo vai fiks\u0113to procentu likmi,\u00a0 katrai iesp\u0113jai ir gan savas priek\u0161roc\u012bbas, gan riski. Main\u012bg\u0101 likme sast\u0101v no bankas noteikt\u0101s pievienot\u0101s likmes un Euribor, kura v\u0113rt\u012bba tiek regul\u0101ri p\u0101rskat\u012bta ik p\u0113c 3, 6 vai 12 m\u0113ne\u0161iem. Tas noz\u012bm\u0113, ja klients izv\u0113l\u0101s 6 m\u0113ne\u0161u periodu, tad visu \u0161o pusgadu ir piem\u0113rota viena procentu likme, un p\u0113c tam t\u0101 main\u0101s atkar\u012bb\u0101 no Euribor jaun\u0101s likmes.{:}\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/09\/hipotekarais-kredits-Realat.png\" \/>\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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/\"},\"author\":{\"name\":\"Renate\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/ce19012f9abda33dfb93e28e1f641989\"},\"headline\":\"Ko izv\u0113l\u0113ties \u2013 fiks\u0113to vai main\u012bgo hipotek\u0101r\u0101 kred\u012bta likmi\",\"datePublished\":\"2025-09-04T14:19:03+00:00\",\"dateModified\":\"2026-01-14T07:18:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/\"},\"wordCount\":847,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.realat.lv\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/hipotekarais-kredits-Realat.png\",\"articleSection\":[\"ZI\u0145AS\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/\",\"url\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/\",\"name\":\"Ko izv\u0113l\u0113ties \u2013 fiks\u0113to vai main\u012bgo hipotek\u0101r\u0101 kred\u012bta likmi - REALAT.lv\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/ko-izveleties-fikseto-vai-mainigo-hipotekara-kredita-likmi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.realat.lv\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/hipotekarais-kredits-Realat.png\",\"datePublished\":\"2025-09-04T14:19:03+00:00\",\"dateModified\":\"2026-01-14T07:18:07+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/ce19012f9abda33dfb93e28e1f641989\"},\"description\":\"{:lv}Hipotek\u0101ro kred\u012btu iesp\u0113jams noform\u0113t ar main\u012bgo vai fiks\u0113to procentu likmi,\u00a0 katrai iesp\u0113jai ir gan savas priek\u0161roc\u012bbas, gan riski. 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