{"id":2049081,"date":"2026-03-26T15:01:44","date_gmt":"2026-03-26T13:01:44","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2049081"},"modified":"2026-03-26T15:48:37","modified_gmt":"2026-03-26T13:48:37","slug":"aptauja-pirmas-iemaksas-sakrasanai-majoklim-vajadzigi-vismaz-pieci-gadi","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/tirgus-apskats\/aptauja-pirmas-iemaksas-sakrasanai-majoklim-vajadzigi-vismaz-pieci-gadi\/","title":{"rendered":"Aptauja: pirm\u0101s iemaksas sakr\u0101\u0161anai m\u0101joklim vajadz\u012bgi vismaz pieci gadi"},"content":{"rendered":"

<\/p>\n

\n

Teju katram tre\u0161ajam Latvijas iedz\u012bvot\u0101jam ce\u013c\u0161 l\u012bdz pirmajai iemaksai sava m\u0101jok\u013ca ieg\u0101dei ir ilgsto\u0161s process un var pras\u012bt l\u012bdz pieciem gadiem, liecina Luminor bankas aptauja*. Lai ar\u012b turpm\u0101ko piecu gadu laik\u0101 m\u0101jokli pl\u0101no ieg\u0101d\u0101ties 31 % iedz\u012bvot\u0101ju, pirm\u0101s iemaksas tr\u016bkums joproj\u0101m ir viens no galvenajiem \u0161\u0137\u0113r\u0161\u013ciem sava m\u0101jok\u013ca ieg\u0101dei.<\/p>\n<\/div>\n

\n

Iedz\u012bvot\u0101ju iesp\u0113jas uzkr\u0101t \u012bs\u0101k\u0101 period\u0101 saruku\u0161as<\/h2>\n

P\u0113d\u0113jo divu gadu laik\u0101 iedz\u012bvot\u0101ju iesp\u0113jas sakr\u0101t l\u012bdzek\u013cus m\u0101jok\u013ca pirmajai iemaksai ir main\u012bju\u0161\u0101s. Ja 2023. gad\u0101 28 % iedz\u012bvot\u0101ju nor\u0101d\u012bja, ka nepiecie\u0161amo summu var\u0113tu uzkr\u0101t viena l\u012bdz tr\u012bs gadu laik\u0101, tad \u0161ogad \u0161\u0101du iesp\u0113ju saskata vien 13 %. Aptuveni katram piektajam iedz\u012bvot\u0101jam \u0161ogad b\u016btu nepiecie\u0161ami teju no \u010detriem l\u012bdz pieciem gadiem. Pieaudzis to cilv\u0113ku skaits, kuriem pirmajai iemaksai b\u016btu nepiecie\u0161ami vismaz septi\u0146i gadi. Vienlaikus b\u016btiski samazin\u0101jies to iedz\u012bvot\u0101ju \u012bpatsvars, kuriem l\u012bdzek\u013ci pirmajai iemaksai jau ir vai b\u016btu uzreiz pieejami \u2013 \u0161ogad \u0161\u0101du iesp\u0113ju min tikai 8 %.<\/p>\n

\u201cPirm\u0101 iemaksa ir viens no priek\u0161nosac\u012bjumiem ce\u013c\u0101 uz savu m\u0101jokli, ta\u010du tie\u0161i t\u0101s apjoms m\u0101jok\u013ca ieg\u0101di daudziem iedz\u012bvot\u0101jiem padara par ilgtermi\u0146a m\u0113r\u0137i. Lai gan redzam stabilu algu pieaugumu, ikdienas izdevumi un dz\u012bves d\u0101rdz\u012bba joproj\u0101m ietekm\u0113 sp\u0113ju veidot uzkr\u0101jumus. Daudz\u0101m m\u0101jsaimniec\u012bb\u0101m pirm\u0101 iemaksa, kas veido ap 15-20 % no m\u0101jok\u013ca cenas, noz\u012bm\u0113 b\u016btisku finan\u0161u slogu \u2013 p\u0113c Luminor datiem t\u0101 vid\u0113ji ir 20 000 eiro. Redzams, ka nepiecie\u0161am\u0101s summas uzkr\u0101\u0161ana k\u013c\u016bst arvien laikietilp\u012bg\u0101ka vai pat neiesp\u0113jama. Tas ir viens no iemesliem, k\u0101p\u0113c m\u0101jok\u013cu pieejam\u012bba Latvij\u0101 rada izaicin\u0101jumus, \u012bpa\u0161i jaunajos projektos, kuru cenas turpina pieaugt,\u201d skaidro Luminor bankas m\u0101jok\u013cu kredit\u0113\u0161anas vad\u012bt\u0101js Kaspars Sausais.<\/p>\n

Kaimi\u0146valst\u012bs iedz\u012bvot\u0101ji pirmo iemaksu var sakr\u0101t nedaudz \u0101tr\u0101k \u2013 Lietuv\u0101 (23 %) un Igaunij\u0101 (22 %) liel\u0101k\u0101 da\u013ca iedz\u012bvot\u0101ju k\u0101 iesp\u0113jamo uzkr\u0101\u0161anas termi\u0146u nor\u0101da no \u010detriem l\u012bdz pieciem gadiem. Savuk\u0101rt Lietuv\u0101, sal\u012bdzinot ar p\u0101r\u0113j\u0101m Baltijas valst\u012bm, visvair\u0101k iedz\u012bvot\u0101ju (21 %) uzskata, ka pirmo iemaksu var\u0113tu sakr\u0101t pat no viena l\u012bdz tr\u012bs gadu laik\u0101.\u00a0<\/p>\n

\u0100tr\u0101k pirmajai iemaksai sakr\u0101j ar ien\u0101kumiem virs 1500 eiro m\u0113nes\u012b<\/h2>\n

Iedz\u012bvot\u0101ji ar augst\u0101ko izgl\u012bt\u012bbu demonstr\u0113 liel\u0101ku finansi\u0101lo stabilit\u0101ti \u2013 38 % apgalvo, ka nepiecie\u0161amo summu sp\u0113tu sakr\u0101t tuv\u0101ko piecu gadu laik\u0101. M\u0101jsaimniec\u012bbas ar \u010detriem cilv\u0113kiem bie\u017e\u0101k (15 %) nor\u0101da, ka l\u012bdzek\u013cus var\u0113tu izveidot sal\u012bdzino\u0161i \u0101tri jeb no viena l\u012bdz tr\u012bs gadiem. \u012apa\u0161i labas iesp\u0113jas uzkr\u0101t ir iedz\u012bvot\u0101jiem ar augst\u0101kiem vid\u0113jiem ien\u0101kumiem, proti, virs 1501 eiro m\u0113nes\u012b.<\/p>\n

Taj\u0101 pa\u0161\u0101 laik\u0101 13 % iedz\u012bvot\u0101ju atz\u012bst, ka vi\u0146iem \u0161\u0101du uzkr\u0101jumu izveidot nav iesp\u0113jams. Liel\u0101kas gr\u016bt\u012bbas nov\u0113rojamas starp iedz\u012bvot\u0101jiem ar pamatizgl\u012bt\u012bbu (38 %). Savuk\u0101rt lauku teritorij\u0101s gandr\u012bz katrs piektais atz\u012bst, ka pirmo iemaksu nemaz nesp\u0113tu sakr\u0101t. M\u0101jsaimniec\u012bb\u0101s, kur\u0101s dz\u012bvo pieci vai vair\u0101k cilv\u0113ki, pirm\u0101s iemaksas uzkr\u0101\u0161ana sag\u0101d\u0101 probl\u0113mas 16 % iedz\u012bvot\u0101ju. Vecuma griezum\u0101 visizaicino\u0161\u0101k\u0101 situ\u0101cija ir iedz\u012bvot\u0101jiem no 40 l\u012bdz 49 gadiem, kur teju katram ceturtajam nepiecie\u0161ami vismaz septi\u0146i gadi.\u00a0<\/p>\n

\u201cDa\u013cai iedz\u012bvot\u0101ju atvieglojumu var sniegt valsts atbalsta programmas, piem\u0113ram, Altum m\u0101jok\u013cu garantijas. \u0122imen\u0113m ar b\u0113rniem Altum atbalsts ir 5-55 % apm\u0113r\u0101 no aizdevuma atkar\u012bb\u0101 no b\u0113rnu skaita \u0123imen\u0113, \u012bpa\u0161uma atra\u0161an\u0101s vietas un energoefektivit\u0101tes, savuk\u0101rt jaunajiem speci\u0101listiem ir iesp\u0113ja sa\u0146emt m\u0101jok\u013ca programmas atbalstu l\u012bdz 20 % no kred\u012bta summas. \u0160\u0101d\u0101 veid\u0101 ir iesp\u0113jams \u0101tr\u0101k non\u0101kt pie sava \u012bpa\u0161uma vai ieg\u0101d\u0101ties \u0123imenei atbilsto\u0161u m\u0101jokli. Lai noskaidrotu pieejamo ALTUM atbalsta apm\u0113ru, ieteicams savlaic\u012bgi, pirms \u012bpa\u0161uma ieg\u0101des, v\u0113rsties bank\u0101 un noskaidrot savas iesp\u0113jas. To var \u0113rti izdar\u012bt pat savos viedt\u0101lru\u0146os un bankas speci\u0101lista konsult\u0101cija pieejama att\u0101lin\u0101ti, t\u0101dej\u0101di ietaupot laiku un resursus, un tas ir bez maksas,\u201d nor\u0101da Kaspars Sausais.<\/p>\n

R\u012bg\u0101 uzkr\u0101jumu iesp\u0113jams izveidot \u0101tr\u0101k<\/h2>\n

\u0145emot v\u0113r\u0101 re\u0123ion\u0101l\u0101s at\u0161\u0137ir\u012bbas, R\u012bgas re\u0123ion\u0101 situ\u0101cija ir sal\u012bdzino\u0161i labv\u0113l\u012bg\u0101ka \u2013 11 % iedz\u012bvot\u0101ju nor\u0101da, ka l\u012bdzek\u013ci pirmajai iemaksai vi\u0146iem jau ir pieejami. Citos re\u0123ionos m\u0101jok\u013ca ieg\u0101des uzkr\u0101jumu veido\u0161ana ir izaicino\u0161\u0101ka. \u012apa\u0161i izce\u013cas Latgale, kur katrs ceturtais iedz\u012bvot\u0101js atz\u012bst, ka uzkr\u0101jumu izveidei vajadz\u012bgi vismaz septi\u0146i gadi, bet 18 % nor\u0101da, ka sakr\u0101t pirmajai iemaksai nav iesp\u0113jams. \u0160ie dati atspogu\u013co b\u016btiskas at\u0161\u0137ir\u012bbas starp galvaspils\u0113tas un re\u0123ionu iedz\u012bvot\u0101ju iesp\u0113j\u0101m realiz\u0113t savus m\u0101jok\u013ca ieg\u0101des pl\u0101nus.<\/p>\n

*Luminor bankas aptauja veikta 2025. gada septembr\u012b sadarb\u012bb\u0101 ar p\u0113t\u012bjumu a\u0123ent\u016bru Norstat, kopum\u0101 aptauj\u0101jot 3011 respondentus Baltij\u0101 vecum\u0101 no 18 l\u012bdz 59 gadiem.<\/div>\n
\u00a0<\/div>\n<\/div>\n
www.luminor.lv<\/div>\n

Jaun\u0101kie pied\u0101v\u0101jumi<\/h2>
\"Dz\u012bvok\u013ci\"Dz\u012bvok\u013ci
<\/div>
EUR144,200<\/span><\/div>
P\u0101rdod<\/div>

Dz\u012bvok\u013ci | Renov.<\/h3>
Br\u012bv\u012bbas iela, R\u012bga, <\/div><\/div><\/a><\/div>
\"Dz\u012bvok\u013ci\"Dz\u012bvok\u013ci
<\/div>
EUR158,900<\/span><\/div>
P\u0101rdod<\/div>

Dz\u012bvok\u013ci | Renov.<\/h3>
Br\u012bv\u012bbas iela, R\u012bga, <\/div><\/div><\/a><\/div>
\"M\u0101jas\"M\u0101jas
<\/div>
EUR538,000<\/span><\/div>
P\u0101rdod<\/div>

M\u0101jas | Priv\u0101tm\u0101ja<\/h3>
Dravnieku iela, R\u012bgas rajons, <\/div><\/div><\/a><\/div>
\"Dz\u012bvok\u013ci\"Dz\u012bvok\u013ci
<\/div>
EUR171,850<\/span><\/div>
P\u0101rdod<\/div>

Dz\u012bvok\u013ci | Renov.<\/h3>
Br\u012bv\u012bbas iela, R\u012bga, <\/div><\/div><\/a><\/div>
\"M\u0101jas\"M\u0101jas
<\/div>
EUR430,000<\/span><\/div>
P\u0101rdod<\/div>

M\u0101jas | Priv\u0101tm\u0101ja<\/h3>
Asteru iela, R\u012bga, <\/div><\/div><\/a><\/div>
\"Dz\u012bvok\u013ci\"Dz\u012bvok\u013ci
<\/div>
EUR74,000<\/span><\/div>
P\u0101rdod<\/div>

Dz\u012bvok\u013ci | Jaun.<\/h3>
St\u0113rstu iela, R\u012bga, <\/div><\/div><\/a><\/div><\/div><\/div><\/div>\n

Atsauksmes no m\u016bsu klientiem<\/h2>
<\/div>
  1. <\/li>
  2. <\/li>
  3. <\/li><\/ol>
    \"Annija<\/div>
    Sirsn\u012bgs un milz\u012bgs paldies A\u0123entam Edgaram Kalni\u0146am, kur\u0161 3 m\u0113ne\u0161os izdar\u012bja to, ko citi nevar\u0113ja gada laik\u0101. Lieliska komunik\u0101cija, milzu ener\u0123ijas atdeve darbam un \u013coti labs rezult\u0101ts! 10\/10, ieteiktu jebkuram! Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Annija Dipnere<\/div><\/div><\/div>
    \"Inese\"<\/div>
    Sava m\u0101jok\u013ca ieg\u0101des proces\u0101 izn\u0101ca sadarb\u012bba ar manu novadnieku Lauri Ku\u013c\u0161u. Par kuru es \u013coti lepojos,ka vi\u0146\u0161 ir tik profesion\u0101ls un zino\u0161s sav\u0101 jom\u0101. Pal\u012bdz\u0113ja \u013coti \u0101tri un profesion\u0101li atrisin\u0101t manu vajadz\u012bbu. Izdar\u012bja vair\u0101k nek\u0101… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Inese<\/div><\/div><\/div>
    \"Dana<\/div>
    P\u0101rdodot dz\u012bvokli, mums ieteica nekustamo \u012bpa\u0161umu a\u0123ent\u016bru REALAT un a\u0123enti L\u012bgu Up\u012bti. L\u012bga bija \u013coti zino\u0161a, atsauc\u012bga un saproto\u0161a \u2013 sadarb\u012bba ar vi\u0146u bija pat\u012bkama un profesion\u0101la. Ja pl\u0101nojat p\u0101rdot vai ieg\u0101d\u0101ties \u012bpa\u0161umu, noteikti iesaku… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Dana Jankovska<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n

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

    Teju katram tre\u0161ajam Latvijas iedz\u012bvot\u0101jam ce\u013c\u0161 l\u012bdz pirmajai iemaksai sava m\u0101jok\u013ca ieg\u0101dei ir ilgsto\u0161s process un var pras\u012bt l\u012bdz pieciem gadiem, liecina Luminor bankas aptauja*. Lai ar\u012b turpm\u0101ko piecu gadu… <\/p>\n","protected":false},"author":223336,"featured_media":2049082,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-2049081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tirgus-apskats"],"yoast_head":"\nAptauja: pirm\u0101s iemaksas sakr\u0101\u0161anai m\u0101joklim vajadz\u012bgi vismaz pieci gadi - REALAT.lv<\/title>\n<meta name=\"description\" content=\"Teju katram tre\u0161ajam Latvijas iedz\u012bvot\u0101jam ce\u013c\u0161 l\u012bdz pirmajai iemaksai sava m\u0101jok\u013ca ieg\u0101dei ir ilgsto\u0161s process un var pras\u012bt l\u012bdz pieciem gadiem, liecina Luminor bankas aptauja*. Lai ar\u012b turpm\u0101ko piecu gadu laik\u0101 m\u0101jokli pl\u0101no ieg\u0101d\u0101ties 31 % iedz\u012bvot\u0101ju, pirm\u0101s iemaksas tr\u016bkums joproj\u0101m ir viens no galvenajiem \u0161\u0137\u0113r\u0161\u013ciem sava m\u0101jok\u013ca ieg\u0101dei.\" \/>\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=\"Aptauja: pirm\u0101s iemaksas sakr\u0101\u0161anai m\u0101joklim vajadz\u012bgi vismaz pieci gadi - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"{:lv}Teju katram tre\u0161ajam Latvijas iedz\u012bvot\u0101jam ce\u013c\u0161 l\u012bdz pirmajai iemaksai sava m\u0101jok\u013ca ieg\u0101dei ir ilgsto\u0161s process un var pras\u012bt l\u012bdz pieciem gadiem, liecina Luminor bankas aptauja*. 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