{"id":2048406,"date":"2025-09-25T11:17:27","date_gmt":"2025-09-25T08:17:27","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2048406"},"modified":"2025-11-04T17:01:38","modified_gmt":"2025-11-04T15:01:38","slug":"hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/","title":{"rendered":"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli?"},"content":{"rendered":"<p><\/p>\n<p><span style=\"font-weight: 400;\">Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija <\/span>\u201cAltum\u201d<span style=\"font-weight: 400;\"> sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0<\/span><\/p>\n<h2><b>K\u0101 darbojas hipotek\u0101rais kred\u012bts Latvij\u0101?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Hipotek\u0101rais kred\u012bts ir bankas aizdevums, ko izmanto m\u0101jok\u013ca ieg\u0101dei, b\u016bvniec\u012bbai vai remontam. Kred\u012bts tiek nodro\u0161in\u0101ts ar ieg\u0101d\u0101to \u012bpa\u0161umu k\u0101 \u0137\u012blu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At\u0161\u0137ir\u012bb\u0101 no klasisk\u0101 mode\u013ca, kur j\u0101iemaks\u0101 vismaz 20% no m\u0101jok\u013ca cenas, ar <\/span>Altum garantiju<span style=\"font-weight: 400;\"> jaun\u0101m \u0123imen\u0113m ar b\u0113rniem un jaunajiem speci\u0101listiem pirm\u0101 iemaksa var b\u016bt tikai 5%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Piem\u0113rs: ja dz\u012bvoklis maks\u0101 100 000 \u20ac, tad parastaj\u0101 gad\u012bjum\u0101 b\u016btu j\u0101iemaks\u0101 20 000 \u20ac. Ar valsts garantiju pirm\u0101 iemaksa var b\u016bt vien 5 000 \u20ac, kas daudziem padara m\u0101jok\u013ca ieg\u0101di re\u0101l\u0101ku.<\/span><\/p>\n<h2><b>Kas var sa\u0146emt valsts garantiju?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Garantijas pieejamas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0123imen\u0113m ar b\u0113rniem (par katru b\u0113rnu garantijas apm\u0113rs palielin\u0101s),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jaunajiem speci\u0101listiem l\u012bdz 35 gadu vecumam,<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li aria-level=\"1\">m\u0101jok\u013cu garantija \u0123imen\u0113m ar b\u0113rniem,<\/li>\n<li aria-level=\"1\">m\u0101jok\u013cu garantija NBS karav\u012briem,<\/li>\n<li aria-level=\"1\">balsts subs\u012bdija daudzb\u0113rnu \u0123imen\u0113m,<\/li>\n<li aria-level=\"1\">balsts subs\u012bdija \u0123imen\u0113m ar b\u0113rniem ar invalidit\u0101ti.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bankas, izv\u0113rt\u0113jot kred\u012bta pie\u0161\u0137ir\u0161anu, skat\u0101s uz taviem ien\u0101kumiem, kred\u012btv\u0113sturi un <\/span>par\u0101dsaist\u012bbu \u012bpatsvaru pret ien\u0101kumiem<span style=\"font-weight: 400;\">. Par labv\u0113l\u012bgu tiek uzskat\u012bts, ja ikm\u0113ne\u0161a maks\u0101jumi nep\u0101rsniedz 40% no ien\u0101kumiem.<\/span><\/p>\n<h2><b>K\u0101di ir nosac\u012bjumi m\u0101joklim?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u012apa\u0161umam, kas ieg\u0101d\u0101ts ar kred\u012btu, ir j\u0101atbilst dro\u0161uma un kvalit\u0101tes pras\u012bb\u0101m. Bankas piev\u0113rs\u012bs uzman\u012bbu:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vai \u012bpa\u0161ums ir lab\u0101 tehnisk\u0101 st\u0101vokl\u012b,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vai tam ir juridiski sak\u0101rtots \u012bpa\u0161uma statuss,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vai nav b\u016btisku tehnisku vai tiesisku risku (piem\u0113ram, nelikum\u012bgas p\u0101rb\u016bves).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2><b>Papildu izmaksas<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Bez pirm\u0101s iemaksas j\u0101r\u0113\u0137in\u0101s ar:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">bankas komisijas maksu par kred\u012bta izsnieg\u0161anu,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u012bpa\u0161uma v\u0113rt\u0113juma izmaks\u0101m,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">not\u0101ra un Zemesgr\u0101matas nodev\u0101m.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kopum\u0101 papildu izmaksas var sasniegt 2\u20136% no \u012bpa\u0161uma cenas.<\/span><\/p>\n<h2><b>K\u0101 sagatavoties pieteikumam?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Lai pa\u0101trin\u0101tu kred\u012bta noform\u0113\u0161anu, sagatavo:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ien\u0101kumus apliecino\u0161us dokumentus (algas izzi\u0146as, konta p\u0101rskatus),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">inform\u0101ciju par eso\u0161\u0101m kred\u012btsaist\u012bb\u0101m,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u012bpa\u0161uma v\u0113rt\u0113jumu.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Parasti kred\u012bta pie\u0161\u0137ir\u0161anas process ilgst no 2 l\u012bdz 6 ned\u0113\u013c\u0101m, atkar\u012bb\u0101 no bankas un dokumentu gatav\u012bbas.<\/span><\/p>\n<p>Ja v\u0113lies sa\u0146emt lab\u0101kus nosac\u012bjumus hipotek\u0101r\u0101 kred\u012bta pie\u0161\u0137ir\u0161an\u0101 un profesion\u0101lu konsult\u0101ciju, sazinies ar <a href=\"https:\/\/www.realat.lv\/lv\/komanda\/\">Realat komandu<\/a>.\u00a0<\/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: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=\"Vadims\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">M\u0113s Ma\u013ccevu \u0123imene, izsak\u0101m pateic\u012bbu L\u012bgai Up\u012btei\u00a0par \u012bst\u0101s m\u0101jvieas atra\u0161anu.M\u0113s esam gandar\u012bti par veiksm\u012bgo sadarb\u012bbu un ceram , ka t\u0101da b\u016bs ar\u012b n\u0101kotn\u0113.L\u012bga sevi par\u0101d\u012bja k\u0101 personu, kurai var uztic\u0113ties, kura ir paciet\u012bga, ar profesion\u0101lu&hellip; <strong><a class=\"read-more\" href=\"https:\/\/www.realat.lv\/lv\/atsauksmes\/vadims\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">Vadims<\/div><\/div><\/div><div class=\"item\"><div style=\"background-size:auto 100%;position:absolute;background-image:url(https:\/\/www.realat.lv\/wp-content\/uploads\/2019\/08\/Screenshot_20190814-135153_Facebook.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=\"Kitija Reitere\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">Sandis Girs ir dar\u012bjumu un biznesa cilv\u0113ks ar dv\u0113seli un sirdi \u0161\u012b kombin\u0101cija ir lieliska \u0161aj\u0101 profesij\u0101, jo vi\u0146\u0161 skat\u0101s uz katru klientu ar daudz dzi\u013c\u0101ku izpranti un redz v\u012bziju par katru klientu perfekti! Vismaz&hellip; <strong><a class=\"read-more\" href=\"https:\/\/www.realat.lv\/lv\/atsauksmes\/kitija-reitere\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">Kitija Reitere<\/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=\"Anete Buk\u0161a\" class=\"home-testim-avatar\" style=\"height:100px;\"><\/div><div class=\"home-testim\" style=\"padding-bottom:20px;\"><div class=\"home-testim-text\">Liels paldies REALAT komp\u0101nijai par ieguld\u012bto darbu, p\u0101rdodot m\u0101ju R\u012bg\u0101. Esam \u013coti apmierin\u0101ti ar sa\u0146emto pakalpojumu un rezult\u0101tu. REALAT a\u0123enti savu darbu veic \u013coti profesion\u0101li, k\u0101 ar\u012b izdev\u0101s izveidot veiksm\u012bgu komunik\u0101ciju, l\u012bdz ar ko varam&hellip; <strong><a class=\"read-more\" href=\"https:\/\/www.realat.lv\/lv\/atsauksmes\/anete-buksa\/\">Las\u012bt vair\u0101k<\/a><\/strong><\/div><div class=\"home-testim-name\">Anete Buk\u0161a<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m&#8230;. <\/p>\n","protected":false},"author":223336,"featured_media":2048407,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2048406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategorijas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv<\/title>\n<meta name=\"description\" content=\"Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0\" \/>\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=\"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"{:lv}Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. Atsevi\u0161\u0137os gad\u012bjumos valsts att\u012bst\u012bbas finan\u0161u instit\u016bcija \u201cAltum\u201d sniedz garantiju, kas pal\u012bdz segt pirmo iemaksu.\u00a0{:}\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.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=\"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\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\"},\"author\":{\"name\":\"Renate\",\"@id\":\"https:\/\/www.realat.lv\/en\/#\/schema\/person\/ce19012f9abda33dfb93e28e1f641989\"},\"headline\":\"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli?\",\"datePublished\":\"2025-09-25T08:17:27+00:00\",\"dateModified\":\"2025-11-04T15:01:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\"},\"wordCount\":562,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png\",\"articleSection\":[\"Bez kategorijas\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\",\"url\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/\",\"name\":\"Hipotek\u0101rie kred\u012bti Latvij\u0101: K\u0101 ieg\u0101d\u0101ties savu m\u0101jokli? - REALAT.lv\",\"isPartOf\":{\"@id\":\"https:\/\/www.realat.lv\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/hipotekarie-krediti-latvija-ka-iegadaties-savu-majokli\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/09\/Realat-hipotekarais-kredits.png\",\"datePublished\":\"2025-09-25T08:17:27+00:00\",\"dateModified\":\"2025-11-04T15:01:38+00:00\",\"author\":{\"@id\":\"https:\/\/www.realat.lv\/en\/#\/schema\/person\/ce19012f9abda33dfb93e28e1f641989\"},\"description\":\"{:lv}Pirms valsts atbalsta programmas tika ieviestas, m\u0101jok\u013cu ieg\u0101di Latvij\u0101 finans\u0113ja tikai komercbankas. Kred\u012bta l\u012bgumi bie\u017ei vien bija stingri \u2013 ar lielu pirmo iemaksu, sare\u017e\u0123\u012btiem nosac\u012bjumiem un sal\u012bdzino\u0161i augst\u0101m procentu likm\u0113m. Tom\u0113r p\u0113d\u0113jos gados situ\u0101cija main\u012bjusies \u2013 valsts un Eiropas Savien\u012bbas l\u012bme\u0146a iniciat\u012bvas pal\u012bdz iedz\u012bvot\u0101jiem k\u013c\u016bt par m\u0101jok\u013cu \u012bpa\u0161niekiem. \u0160odien hipotek\u0101rie kred\u012bti ir galvenais ce\u013c\u0161 uz savu m\u0101jokli Latvij\u0101. Tie ir pieejami gan \u0123imen\u0113m ar b\u0113rniem, gan jaunajiem profesion\u0101\u013ciem, gan ar\u012b tiem, kam nav uzkr\u0101jumu 20% pirm\u0101s iemaksas apm\u0113r\u0101. 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