{"id":2048668,"date":"2025-12-29T10:38:13","date_gmt":"2025-12-29T08:38:13","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2048668"},"modified":"2025-12-29T11:07:09","modified_gmt":"2025-12-29T09:07:09","slug":"izaugsmes-gads-majoklu-kreditesana-ko-sagaidit-2026-gada","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/zina\/izaugsmes-gads-majoklu-kreditesana-ko-sagaidit-2026-gada\/","title":{"rendered":"Izaugsmes gads m\u0101jok\u013cu kredit\u0113\u0161an\u0101: ko sagaid\u012bt 2026. gad\u0101?"},"content":{"rendered":"

<\/p>\n

M\u0101jok\u013cu tirgus Latvij\u0101 piedz\u012bvo strauj\u0101ko aktivit\u0101ti p\u0113d\u0113jo piecu gadu laik\u0101 \u2013 augo\u0161ais piepras\u012bjums, stabil\u0101kas Euribor likmes un ekonomisk\u0101 vide iez\u012bm\u0113 \u0161\u012b gada kredit\u0113\u0161anas izaugsmi.<\/p>\n

Tom\u0113r tirgu vienlaikus ietekm\u0113 cenu un b\u016bvniec\u012bbas izmaksu k\u0101pums, kas veicina cenas pieaugumu jaunajos projektos un mudina r\u016bp\u012bg\u0101k piev\u0113rties m\u0101jok\u013cu izv\u0113lei, dodot priek\u0161roku funkcion\u0101l\u0101k\u0101m, energoefekt\u012bv\u0101k\u0101m un kompakt\u0101k\u0101m dz\u012bves plat\u012bb\u0101m. Vai n\u0101kamgad izdosies turpin\u0101t uz\u0146emto tempu un kas main\u012bsies, skaidro Luminor bankas priv\u0101tpersonu kredit\u0113\u0161anas vad\u012bt\u0101js Kaspars Luka\u010dovs.<\/p>\n

P\u0113d\u0113jos gados m\u0101jok\u013cu kredit\u0113\u0161anas aktivit\u0101te Latvij\u0101 ir stagn\u0113jusi, piedz\u012bvojot gan nelielus k\u0101pumus, gan kritumus da\u017e\u0101du notikumu iespaid\u0101, piem\u0113ram, Covid, b\u016bvniec\u012bbas cenu k\u0101pums, EURIBOR likmes un citi. Tom\u0113r 2025. gads ir iez\u012bm\u0113jies ar j\u016btamu k\u0101pumu, kad no jauna izsniegto kred\u012btu apjoms Latvij\u0101 sasniedzis p\u0113d\u0113j\u0101s piecgades rekordu un audzis vair\u0101k nek\u0101 divas reizes, sal\u012bdzinot ar 2020. gadu. \u0160ogad 10 m\u0113ne\u0161os no jauna izsniegto kred\u012btu tirgus Latvij\u0101 audzis par 43 %, sal\u012bdzinot ar 2024. gada periodu no janv\u0101ra l\u012bdz oktobrim.<\/p>\n

Savuk\u0101rt Luminor izsniegto m\u0101jok\u013cu kred\u012btu apm\u0113rs \u0161\u012b gada pirmajos devi\u0146os m\u0113ne\u0161os palielin\u0101j\u0101s par 71 % sal\u012bdzin\u0101jum\u0101 ar t\u0101du pa\u0161u periodu p\u0113rn. T\u0101d\u0113j\u0101di jaunu m\u0101jok\u013cu ieg\u0101dei banka atbalst\u012bjusi vair\u0101k nek\u0101 2400 m\u0101jsaimniec\u012bbas. Taj\u0101 pa\u0161\u0101 laik\u0101 m\u0101jok\u013cu kred\u012btu \u012bpatsvars Latvijas ekonomik\u0101 joproj\u0101m ir sal\u012bdzino\u0161i zems un atpaliek no eirozonas vid\u0113j\u0101 l\u012bme\u0146a, t\u0101p\u0113c kredit\u0113\u0161anas potenci\u0101ls Latvij\u0101 joproj\u0101m ir liels. Latvijas hipotek\u0101ro kred\u012btu atlikums 5.5 miljardu eiro apm\u0113r\u0101, r\u0113\u0137inot no IKP, ir ar\u012b zem\u0101kais starp Baltijas valst\u012bm, kur m\u0101jok\u013cu kredit\u0113\u0161anas tirgus ir vismaz 2.5 reizes liel\u0101ks – Igaunij\u0101 13 miljardu eiro, bet Lietuv\u0101 nepilni 15 miljardi eiro uz 2025. gada oktobra beig\u0101m. L\u012bdz ar to pie eso\u0161\u0101s situ\u0101cijas Latvij\u0101 varam sagaid\u012bt, ka piepras\u012bjumus p\u0113c m\u0101jok\u013cu kred\u012btiem turpin\u0101s savu izaugsmi, pak\u0101peniski tuvinoties kaimi\u0146valstu l\u012bmenim. Euribor turpin\u0101s sv\u0101rst\u012bties, bet b\u016btisku kritumu nesagaid\u0101m Kredit\u0113\u0161anas k\u0101pumu \u0161ogad b\u016btiski veicin\u0101ja gan Euribor procentu likmju kritums, gan stabil\u0101ks darba tirgus un algu pieaugums. \u0160obr\u012bd nav pamata gaid\u012bt likmju atgrie\u0161anos nulles l\u012bmen\u012b. Pa\u0161laik nav ar\u012b sign\u0101lu, kas liecin\u0101tu par b\u016btisku likmju k\u0101pumu, ta\u010du, visticam\u0101k, zem\u0101kas Euribor likmes nevaram gaid\u012bt ar\u012b n\u0101kamgad, proti, t\u0101s atrad\u012bsies tuvu 2% l\u012bmenim.<\/p>\n

M\u0101jok\u013cu cenas Latvij\u0101 turpina aug\u0161upeju, liecina Centr\u0101l\u0101s statistikas p\u0101rvaldes dati, p\u0113rn cenas pieauga par aptuveni 8 % un \u0161ogad vid\u0113j\u0101 m\u0101jok\u013ca v\u0113rt\u012bba augusi v\u0113l par apm\u0113ram 7 %. Vid\u0113j\u0101 cena dz\u012bvok\u013ciem jaunajos projektos R\u012bg\u0101 ir 2625 eiro par kvadr\u0101tmetru, savuk\u0101rt s\u0113rijveida \u0113k\u0101s 1320 eiro, atkar\u012bb\u0101 no t\u0101, vai dz\u012bvoklis atrodas pils\u0113tas centr\u0101 vai k\u0101d\u0101 no dz\u012bvojamajiem rajoniem. Neskatoties uz to, Latvij\u0101 ir zem\u0101kas m\u0101jok\u013cu cenas nek\u0101 vid\u0113ji Baltij\u0101, at\u0161\u0137ir\u012bba ir pat vair\u0101k nek\u0101 1500 eiro par kvadr\u0101tmetru. M\u0101jok\u013cu cenu pieaugums turpin\u0101s jau vair\u0101kus gadus un nekas neliecina, ka tas apst\u0101sies, ar\u012b n\u0101kamgad m\u0101jok\u013cu cenas var\u0113tu augt 5 % robe\u017e\u0101s.<\/p>\n

Cenu un izmaksu k\u0101pums ietekm\u0113 to, k\u0101diem m\u0101jok\u013ciem iedz\u012bvot\u0101ji dod priek\u0161roku. Popul\u0101r\u0101k\u0101 izv\u0113le m\u0101jok\u013cu ieg\u0101des zi\u0146\u0101 vel aizvien, iesp\u0113jams pieejam\u012bbas un cenas d\u0113\u013c, ir divistabu dz\u012bvoklis s\u0113rijveida \u0113k\u0101. Ieg\u0101d\u0101joties \u0161\u0101du \u012bpa\u0161umu, tam parasti nepiecie\u0161ams remonts un \u0161ogad nov\u0113roj\u0101m, ka pieaug piepras\u012bjums p\u0113c pat\u0113ri\u0146a kred\u012bta, kas 40 % gad\u012bjumu tiek izmantots m\u0101jok\u013ca remontam, ko apstiprin\u0101ja ar\u012b veikt\u0101 iedz\u012bvot\u0101ju aptauja.<\/p>\n

Tom\u0113r izv\u0113loties m\u0101jokli, arvien liel\u0101ku noz\u012bmi iedz\u012bvot\u0101ji pie\u0161\u0137ir ne tikai komfortam, bet ar\u012b funkcionalit\u0101tei. Vair\u0101k nek\u0101 pusei Latvijas iedz\u012bvot\u0101ju ir svar\u012bgi, lai izv\u0113l\u0113tais m\u0101joklis b\u016btu energoefekt\u012bvs, piem\u0113ram, \u0113ka ir nosiltin\u0101ta, ir ieviestas modernas apkures sist\u0113mas, kas pal\u012bdz samazin\u0101t ikm\u0113ne\u0161a izdevumus par komun\u0101lajiem pakalpojumiem, liecina \u0161ogad veikt\u0101 aptauja.<\/p>\n

Taj\u0101 pa\u0161\u0101 laik\u0101 b\u016bvniec\u012bbas izmaksu pieaugums b\u016btiski ietekm\u0113 m\u0101jok\u013cu renov\u0101cijas un b\u016bvniec\u012bbas perspekt\u012bvas. T\u0101s samazina iedz\u012bvot\u0101ju motiv\u0101ciju renov\u0113t eso\u0161\u0101s \u0113kas vai b\u016bv\u0113t jaunas. L\u012bdz ar to daudzi potenci\u0101lie priv\u0101tm\u0101ju \u012bpa\u0161nieki p\u0101rskata savus pl\u0101nus, bie\u017ei vien samazinot m\u0101jok\u013ca plat\u012bbu, vai dodot priek\u0161roku koka karkasa \u0113k\u0101m, kuru b\u016bvniec\u012bbas gaita un izmaksas ir prognoz\u0113jam\u0101kas. Ja 2021. gad\u0101 priv\u0101tm\u0101ja bija vid\u0113ji 145 m2 liela, tad p\u0113rn tie bija 132 m2, kas ir vid\u0113ji par vienu istabu maz\u0101k. Ja iek\u0161telpu plat\u012bba k\u013c\u016bst maz\u0101ka, tad \u0101rtelpas (terases un nojumes) tiek izb\u016bv\u0113tas liel\u0101k\u0101 plat\u012bb\u0101. Neskatoties uz pieaugo\u0161o kredit\u0113\u0161anas aktivit\u0101ti, renov\u0101cijas tirgus un jaunu b\u016bvju segment\u0101 piepras\u012bjums var pal\u0113nin\u0101ties, ja izmaksu spiediens saglab\u0101sies augsts.<\/p>\n

db.lv
\n

Atsauksmes no m\u016bsu klientiem<\/h2>
<\/div>
  1. <\/li>
  2. <\/li>
  3. <\/li><\/ol>
    \"R\u016bta<\/div>
    Paldies par \u013coti profesion\u0101lu darbu. \u0160is ir jau otrais dar\u012bjums, kur sadarbojamies ar Jums, un ar\u012b \u0161oreiz, procesa laik\u0101, L\u012bga Up\u012bte uz\u0146\u0113m\u0101s visu r\u016bpi, mums nebija ne par dokumentiem j\u0101lauza galva, ne rekl\u0101m\u0101m, ne cit\u0101m,… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    R\u016bta Kozare<\/div><\/div><\/div>
    \"Sta\u0146islavs\"<\/div>
    V\u0113l\u0113jos pateikt lielu paldies Laurim Ku\u013c\u0161am! Neskatoties uz to ka man nebija sadarb\u012bbas l\u012bguma ar Lauri (p\u0101rdev\u0113ja m\u0101kleri), es no vi\u0146a sa\u0146\u0113mu daudz labu konsult\u0101ciju un pal\u012bdz\u012bbu ar sakariem (nov\u0113rt\u0113jums, not\u0101rs...), pateicoties kuriem \u0101tri tiku… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Sta\u0146islavs<\/div><\/div><\/div>
    \"M\u0101rti\u0146\u0161<\/div>
    Kaimi\u0146iene pied\u0101v\u0101ja veikt kop\u0113ju sadarb\u012bbu, lai var\u0113tu m\u016bsu zemes gabaliem piesl\u0113gt elektr\u012bbu, bet kad kaimi\u0146ieni inform\u0113ju, ka man n\u0101kotn\u0113 zemes gabali nav interesanti un kaut kad n\u0101kotn\u0113 apsv\u0113r\u0161u tos p\u0101rdot, jau taj\u0101 pa\u0161\u0101 dien\u0101 man… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    M\u0101rti\u0146\u0161 Dz\u0113rve<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n

    <\/p>","protected":false},"excerpt":{"rendered":"

    M\u0101jok\u013cu tirgus Latvij\u0101 piedz\u012bvo strauj\u0101ko aktivit\u0101ti p\u0113d\u0113jo piecu gadu laik\u0101 \u2013 augo\u0161ais piepras\u012bjums, stabil\u0101kas Euribor likmes un ekonomisk\u0101 vide iez\u012bm\u0113 \u0161\u012b gada kredit\u0113\u0161anas izaugsmi. Tom\u0113r tirgu vienlaikus ietekm\u0113 cenu un… <\/p>\n","protected":false},"author":223336,"featured_media":2048669,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2048668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"\nIzaugsmes gads m\u0101jok\u013cu kredit\u0113\u0161an\u0101: ko sagaid\u012bt 2026. gad\u0101? - REALAT.lv<\/title>\n<meta name=\"description\" content=\"M\u0101jok\u013cu tirgus Latvij\u0101 piedz\u012bvo strauj\u0101ko aktivit\u0101ti p\u0113d\u0113jo piecu gadu laik\u0101 \u2013 augo\u0161ais piepras\u012bjums, stabil\u0101kas Euribor likmes un ekonomisk\u0101 vide iez\u012bm\u0113 \u0161\u012b gada kredit\u0113\u0161anas izaugsmi.\" \/>\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=\"Izaugsmes gads m\u0101jok\u013cu kredit\u0113\u0161an\u0101: ko sagaid\u012bt 2026. gad\u0101? 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