{"id":2049083,"date":"2026-03-26T15:41:34","date_gmt":"2026-03-26T13:41:34","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2049083"},"modified":"2026-05-11T15:13:05","modified_gmt":"2026-05-11T12:13:05","slug":"ka-sagatavoties-majokla-mainai-un-izvertet-iespejas-sanemt-kreditu","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/realat\/ka-sagatavoties-majokla-mainai-un-izvertet-iespejas-sanemt-kreditu\/","title":{"rendered":"K\u0101 sagatavoties m\u0101jok\u013ca mai\u0146ai un izv\u0113rt\u0113t iesp\u0113jas sa\u0146emt kred\u012btu"},"content":{"rendered":"

<\/p>\n

M\u0101jok\u013ca ieg\u0101de ir viens no noz\u012bm\u012bg\u0101kajiem finan\u0161u l\u0113mumiem cilv\u0113ka dz\u012bv\u0113. Tas ir ilgtermi\u0146a solis, kas ietekm\u0113 ikdienas bud\u017eetu, dz\u012bves kvalit\u0101ti un dro\u0161\u012bbas saj\u016btu turpm\u0101kajos gados. T\u0101p\u0113c m\u0101jok\u013ca mai\u0146ai ir v\u0113rts gatavoties savlaic\u012bgi un p\u0101rdom\u0101ti, s\u0101kot nevis ar sludin\u0101jumu p\u0101rl\u016bko\u0161anu, bet ar savu finansi\u0101lo iesp\u0113ju izv\u0113rt\u0113\u0161anu un izpratni par m\u0101jok\u013ca kred\u012bta sa\u0146em\u0161anas procesu, iesaka SEB bankas Priv\u0101tpersonu finans\u0113\u0161anas p\u0101rvaldes vad\u012bt\u0101js M\u0101ris Opinc\u0101ns.<\/p>\n

Finansi\u0101lo iesp\u0113ju izv\u0113rt\u0113\u0161ana \u2013 pirmais solis<\/h2>\n

Pirms s\u0101kt mekl\u0113t dz\u012bvokli vai m\u0101ju, b\u016btiski ir saprast, k\u0101du m\u0101jokli j\u016bs patie\u0161\u0101m varat at\u013cauties. \u0160aj\u0101 posm\u0101 svar\u012bgi nebalst\u012bties tikai v\u0113lm\u0113s vai tirgus pied\u0101v\u0101jum\u0101, bet objekt\u012bvi nov\u0113rt\u0113t savus ien\u0101kumus un ikm\u0113ne\u0161a saist\u012bbas.<\/p>\n

Parasti, izv\u0113rt\u0113jot aiz\u0146em\u0161an\u0101s iesp\u0113jas, tiek \u0146emti v\u0113r\u0101 gan kop\u0113jie ien\u0101kumi vair\u0101ku gadu griezum\u0101, gan tas, cik lielu ikm\u0113ne\u0161a maks\u0101jumu bud\u017eets sp\u0113j nosegt ilgtermi\u0146\u0101. B\u016btisks princips ir saglab\u0101t l\u012bdzsvaru \u2013 kred\u012btsaist\u012bb\u0101m nevajadz\u0113tu k\u013c\u016bt par p\u0101rm\u0113r\u012bgu slogu, kas ierobe\u017eo finansi\u0101lo br\u012bv\u012bbu vai rada spriedzi ikdien\u0101.<\/p>\n

Jau \u0161aj\u0101 br\u012bd\u012b ir lietder\u012bgi apr\u0113\u0137in\u0101t, k\u0101ds ikm\u0113ne\u0161a maks\u0101jums b\u016btu komfortabls, bet k\u0101ds \u2013 riskants, ja main\u012btos ien\u0101kumi vai palielin\u0101tos izdevumi.<\/p>\n

\u201cNo bankas puses pie\u0146emts, ka saist\u012bbu apjomam nevajadz\u0113tu b\u016bt liel\u0101kam par\u00a0se\u0161u gadu ien\u0101kumiem \u201cuz rokas\u201d<\/strong>, bet ikm\u0113ne\u0161a maks\u0101jumiem par vis\u0101m saist\u012bb\u0101m nevajadz\u0113tu p\u0101rsniegt\u00a040% no ien\u0101kumiem<\/strong>. Situ\u0101cijas, protams, ir da\u017e\u0101das, un banka vienm\u0113r izv\u0113rt\u0113 maks\u0101tsp\u0113ju individu\u0101li, \u0146emot v\u0113r\u0101 vair\u0101kus faktorus \u2013 s\u0101kot ar izgl\u012bt\u012bbu un beidzot ar b\u0113rnu skaitu \u0123imen\u0113,\u201d skaidro M\u0101ris Opinc\u0101ns.<\/p>\n

Pirm\u0101 iemaksa \u2013 stabila pamata noz\u012bme<\/h2>\n

Neat\u0146emama m\u0101jok\u013ca kred\u012bta sast\u0101vda\u013ca ir pirm\u0101 iemaksa. T\u0101 apliecina pirc\u0113ja sp\u0113ju uz\u0146emties atbild\u012bbu un veidot uzkr\u0101jumus, k\u0101 ar\u012b samazina kop\u0113jo aizdevuma apjomu.<\/p>\n

Jo liel\u0101ks ir pa\u0161u ieguld\u012bjums, jo zem\u0101ka ir kred\u012bta summa un ikm\u0113ne\u0161a maks\u0101jumi. Tas ilgtermi\u0146\u0101 sniedz liel\u0101ku dro\u0161\u012bbas saj\u016btu un elast\u012bbu. Tradicion\u0101li pirm\u0101s iemaksas apm\u0113rs ir\u00a015% no \u012bpa\u0161uma v\u0113rt\u012bbas<\/strong>.<\/p>\n

\u201cSamazin\u0101t \u0161o summu pal\u012bdz ALTUM atbalsta programmas. Lai gan \u0161aj\u0101 gad\u012bjum\u0101 aizdevuma summa ir liel\u0101ka, t\u0101d\u0101m klientu grup\u0101m k\u0101 jaun\u0101s \u0123imenes vai jaunie speci\u0101listi tas ir re\u0101ls risin\u0101jums. Vi\u0146iem bie\u017ei v\u0113l nav bijis pietiekami daudz laika, lai sakr\u0101tu liel\u0101ku pirmo iemaksu, ta\u010du ien\u0101kumu l\u012bmenis un stabilit\u0101te \u013cauj uz\u0146emties saist\u012bbas un p\u0101rv\u0101kties uz savu sap\u0146u m\u0101jokli jau tagad. No visiem 2025. gad\u0101 pie\u0161\u0137irtajiem m\u0101jok\u013ca kred\u012btiem puse bija ar ALTUM atbalstu,\u201d turpina M\u0101ris Opinc\u0101ns.<\/p>\n

Dokumentu sagatavo\u0161ana \u2013 process bez steigas<\/h2>\n

M\u0101jok\u013ca kred\u012bta noform\u0113\u0161ana notiek vair\u0101kos posmos, un katr\u0101 no tiem ir nepiecie\u0161ami konkr\u0113ti dokumenti. Pamat\u0101 banka izv\u0113rt\u0113 ofici\u0101los ien\u0101kumus, to regularit\u0101ti un ilgtermi\u0146a stabilit\u0101ti.<\/p>\n

Svar\u012bga procesa da\u013ca ir ar\u012b \u012bpa\u0161uma nov\u0113rt\u0113jums, kas nosaka t\u0101 tirgus v\u0113rt\u012bbu un kalpo k\u0101 dro\u0161\u012bbas meh\u0101nisms gan bankai, gan pirc\u0113jam. Ja tiek pl\u0101nota b\u016bvniec\u012bba, papildus j\u0101iesniedz dokumenti, kas apliecina l\u012bdzdal\u012bbu projekt\u0101 un pl\u0101noto darbu apjomu.<\/p>\n

Dokumentu sagatavo\u0161ana soli pa solim pal\u012bdz izvair\u012bties no sasteigtiem l\u0113mumiem un liekas spriedzes.<\/p>\n

\u012apa\u0161uma izv\u0113le \u2013 l\u012bdzsvars starp emocij\u0101m un racion\u0101lu nov\u0113rt\u0113jumu<\/h2>\n

Izv\u0113loties m\u0101jokli, emocij\u0101m ir liela noz\u012bme, tom\u0113r t\u0101s nevajadz\u0113tu likt augst\u0101k par objekt\u012bviem krit\u0113rijiem. J\u0101\u0146em v\u0113r\u0101 \u012bpa\u0161uma tirgus v\u0113rt\u012bba, tehniskais st\u0101voklis un energoefektivit\u0101te.<\/p>\n

Ja tiek izv\u0113l\u0113ts\u00a0jaunais projekts, papildu ieguvums ir skaidri nosac\u012bjumi, p\u0101rskat\u0101ma dokument\u0101cija un iesp\u0113ja izv\u0113rt\u0113t m\u0101jokli v\u0113l pirms dar\u012bjuma nosl\u0113g\u0161anas. Tas pal\u012bdz pie\u0146emt izsv\u0113rtu l\u0113mumu un samazina nezi\u0146u.<\/p>\n

\n
\u201cJaunajiem projektiem parasti ir ar\u012b lab\u0101ki kredit\u0113\u0161anas nosac\u012bjumi \u2013 da\u017ek\u0101rt nav nepiecie\u0161ams v\u0113rt\u0113jums, turkl\u0101t energoefekt\u012bvajiem projektiem tiek piem\u0113rotas zem\u0101kas procentu likmes. Ar\u012b n\u0101kotnes izmaksas \u0161\u0101dos m\u0101jok\u013cos parasti ir zem\u0101kas. Lai gan piepras\u012bjums p\u0113c jaunajiem projektiem aug un att\u012bst\u012bt\u0101ji katru gadu tirg\u016b lai\u017e jaunus dz\u012bvok\u013cus, joproj\u0101m liel\u0101k\u0101 da\u013ca dar\u012bjumu notiek otrreiz\u0113j\u0101 tirg\u016b, kur cenas ir zem\u0101kas. \u0160obr\u012bd popul\u0101r\u0101k\u0101 izv\u0113le ir 2\u20133 istabu dz\u012bvok\u013ci s\u0113rijveida projektos vai renov\u0113t\u0101s m\u0101j\u0101s,\u201d skaidro M\u0101ris Opinc\u0101ns.<\/div>\n<\/div>\n

L\u012bguma parakst\u012b\u0161ana \u2013 att\u0101lin\u0101ti un bez pap\u012briem<\/h2>\n

M\u016bsdien\u0101s gan bankas speci\u0101listu konsult\u0101cijas, gan l\u012bguma parakst\u012b\u0161ana ir pieejama att\u0101lin\u0101ti. P\u0113c pozit\u012bva bankas l\u0113muma klients sa\u0146em individu\u0101lu pied\u0101v\u0101jumu ar konkr\u0113tiem nosac\u012bjumiem, un pirms l\u012bguma parakst\u012b\u0161anas ir svar\u012bgi r\u016bp\u012bgi iepaz\u012bties ar vis\u0101m deta\u013c\u0101m.<\/p>\n

Dar\u012bjuma juridisk\u0101 da\u013ca notiek pie not\u0101ra, savuk\u0101rt pirms kred\u012bta izmaksas \u012bpa\u0161ums ir j\u0101apdro\u0161ina. Kad visi nosac\u012bjumi ir izpild\u012bti, banka p\u0101rskaita l\u012bdzek\u013cus p\u0101rdev\u0113jam, un jaunais \u012bpa\u0161nieks sa\u0146em sava m\u0101jok\u013ca atsl\u0113gas.<\/p>\n

P\u0113c iev\u0101k\u0161an\u0101s s\u0101kas jauns posms \u2013 dz\u012bve ar kred\u012btu. Regul\u0101ra bud\u017eeta p\u0101rraudz\u012bba, apzin\u0101ta finan\u0161u pl\u0101no\u0161ana un iesp\u0113ja piel\u0101got maks\u0101jumus sav\u0101m vajadz\u012bb\u0101m pal\u012bdz saglab\u0101t finansi\u0101lo stabilit\u0101ti ilgtermi\u0146\u0101.<\/p>\n

www.seb.lv<\/p>\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>\n

Atsauksmes no m\u016bsu klientiem<\/h2>
<\/div>
  1. <\/li>
  2. <\/li>
  3. <\/li><\/ol>
    \"Nata\u013cja\"<\/div>
    Iepazinos ar Sandi un izmantoju vi\u0146a pakalpojumu dz\u012bvok\u013ca iz\u012br\u0113\u0161an\u0101. P\u0113c dz\u012bves pieredzes man, k\u0101 daudziem dz\u012bvojo\u0161ajiem cilv\u0113kiem Latvij\u0101, ir attur\u012bga attieksme pret \u0161o profesiju, t\u0101 k\u0101 daudz dzird\u0113ju par negod\u012bg\u0101m un kr\u0101pnieciskaj\u0101m liet\u0101m \u0161aj\u0101 sf\u0113r\u0101.… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Nata\u013cja<\/div><\/div><\/div>
    \"Edgars<\/div>
    Paldies par pal\u012bdz\u012bbu ar dz\u012bvok\u013ca p\u0101rdo\u0161anu! Liene tie\u0161\u0101m ir eksperts sav\u0101 jom\u0101 un pamana s\u012bk\u0101k\u0101s deta\u013cas. Ar Lieni bija saj\u016bta, ka esam dro\u0161\u0101s rok\u0101s. \u012apa\u0161umu p\u0101rdevu daudz \u0101tr\u0101k k\u0101 biju gaid\u012bjis un pa\u0161am nekas vair\u0101k… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Edgars Treig\u016bts<\/div><\/div><\/div>
    \"Iveta<\/div>
    V\u0113los pateikt lielu paldies m\u0101klerim Laurim par veiksm\u012bgu sadarb\u012bbu dz\u012bvok\u013ca ieg\u0101des proces\u0101. Rekomend\u0113ju Lauri visiem, kuri v\u0113las pirkt vai p\u0101rdot nekustamo \u012bpa\u0161umu. Lauris ir\u00a0profesion\u0101lis sav\u0101\u00a0nozar\u0113, savu darbu veic perfekti, ar lielu atbild\u012bbas saj\u016btu. Viss tika… Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Iveta Ozoli\u0146a<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n

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

    M\u0101jok\u013ca ieg\u0101de ir viens no noz\u012bm\u012bg\u0101kajiem finan\u0161u l\u0113mumiem cilv\u0113ka dz\u012bv\u0113. Tas ir ilgtermi\u0146a solis, kas ietekm\u0113 ikdienas bud\u017eetu, dz\u012bves kvalit\u0101ti un dro\u0161\u012bbas saj\u016btu turpm\u0101kajos gados. T\u0101p\u0113c m\u0101jok\u013ca mai\u0146ai ir v\u0113rts… <\/p>\n","protected":false},"author":223336,"featured_media":2049084,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2049083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-realat"],"yoast_head":"\nK\u0101 sagatavoties m\u0101jok\u013ca mai\u0146ai un izv\u0113rt\u0113t iesp\u0113jas sa\u0146emt kred\u012btu - REALAT.lv<\/title>\n<meta name=\"description\" content=\"M\u0101jok\u013ca ieg\u0101de ir viens no noz\u012bm\u012bg\u0101kajiem finan\u0161u l\u0113mumiem cilv\u0113ka dz\u012bv\u0113. Tas ir ilgtermi\u0146a solis, kas ietekm\u0113 ikdienas bud\u017eetu, dz\u012bves kvalit\u0101ti un dro\u0161\u012bbas saj\u016btu turpm\u0101kajos gados. T\u0101p\u0113c m\u0101jok\u013ca mai\u0146ai ir v\u0113rts gatavoties savlaic\u012bgi un p\u0101rdom\u0101ti, s\u0101kot nevis ar sludin\u0101jumu p\u0101rl\u016bko\u0161anu, bet ar savu finansi\u0101lo iesp\u0113ju izv\u0113rt\u0113\u0161anu un izpratni par m\u0101jok\u013ca kred\u012bta sa\u0146em\u0161anas procesu\" \/>\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=\"K\u0101 sagatavoties m\u0101jok\u013ca mai\u0146ai un izv\u0113rt\u0113t iesp\u0113jas sa\u0146emt kred\u012btu - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"{:lv}M\u0101jok\u013ca ieg\u0101de ir viens no noz\u012bm\u012bg\u0101kajiem finan\u0161u l\u0113mumiem cilv\u0113ka dz\u012bv\u0113. 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