{"id":2049204,"date":"2026-04-22T13:58:35","date_gmt":"2026-04-22T10:58:35","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2049204"},"modified":"2026-04-22T13:59:36","modified_gmt":"2026-04-22T10:59:36","slug":"tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/","title":{"rendered":"Tradicion\u0101lie hipotek\u0101rie kred\u012bti vs. p\u0101rdev\u0113ja finans\u0113jums"},"content":{"rendered":"

<\/p>\n

Tradicion\u0101lais hipotek\u0101rais kred\u012bts parasti ir galven\u0101 izv\u0113le m\u0101jok\u013ca ieg\u0101dei Latvij\u0101, ta\u010du past\u0101v ar\u012b alternat\u012bva \u2014 p\u0101rdev\u0113ja finans\u0113jums<\/strong> (da\u017ek\u0101rt saukts par pirkumu uz nomaksu vai pirkuma l\u012bgumu ar atlikto maks\u0101jumu). Ja esi redz\u0113jis sludin\u0101jumus ar tekstu \u201c\u012bpa\u0161nieks finans\u0113\u201d vai \u201cp\u0101rdo\u0161ana ar nomaksu\u201d, iesp\u0113jams, rodas jaut\u0101jums \u2014 ko tas noz\u012bm\u0113 un vai tas ir piem\u0113rots risin\u0101jums.<\/p>\n

Kas ir p\u0101rdev\u0113ja finans\u0113jums?<\/span><\/h2>\n

P\u0101rdev\u0113ja finans\u0113juma gad\u012bjum\u0101 \u012bpa\u0161uma p\u0101rdev\u0113js faktiski k\u013c\u016bst par aizdev\u0113ju. Vi\u0146\u0161 “pie\u0161\u0137ir kred\u012btu”, lai tu var\u0113tu ieg\u0101d\u0101ties vi\u0146a \u012bpa\u0161umu.<\/p>\n

J\u016bs vienojaties par:<\/p>\n

    \n
  • pirkuma cenu,<\/li>\n
  • pirmo iemaksu (parasti liel\u0101ku nek\u0101 bank\u0101),<\/li>\n
  • maks\u0101jumu grafiku.<\/li>\n<\/ul>\n

    Tu vari ieg\u016bt \u012bpa\u0161uma lieto\u0161anas ties\u012bbas un bie\u017ei ar\u012b \u012bpa\u0161umties\u012bbas tiek nostiprin\u0101tas zemesgr\u0101mat\u0101, ta\u010du p\u0101rdev\u0113js saglab\u0101 nodro\u0161in\u0101jumu (piem\u0113ram, hipot\u0113ku vai citas ties\u012bbas) l\u012bdz pilnai samaksai.<\/p>\n

    Parasti:<\/p>\n

      \n
    • maks\u0101jumi tiek veikti 5\u201310 gadus,<\/li>\n
    • termi\u0146a beig\u0101s j\u0101veic lielais gala maks\u0101jums<\/strong>.<\/li>\n<\/ul>\n

      Galven\u0101s at\u0161\u0137ir\u012bbas no bankas kred\u012bta<\/span><\/h2>\n
        \n
      • liel\u0101ka pirm\u0101 iemaksa,<\/li>\n
      • \u012bs\u0101ks aizdevuma termi\u0146\u0161,<\/li>\n
      • maz\u0101k birokr\u0101tijas,<\/li>\n
      • elast\u012bg\u0101ki nosac\u012bjumi,<\/li>\n
      • bet ar\u012b maz\u0101ka juridisk\u0101 aizsardz\u012bba pirc\u0113jam.<\/li>\n<\/ul>\n

        P\u0101rdev\u0113ja finans\u0113juma priek\u0161roc\u012bbas<\/span><\/h2>\n

        Viegl\u0101ka pieejam\u012bba<\/h3>\n

        \u0160\u012b ir galven\u0101 priek\u0161roc\u012bba. Latvij\u0101 bankas (piem\u0113ram, Swedbank<\/span><\/span> vai SEB banka<\/span><\/span>) bie\u017ei izvirza stingras pras\u012bbas:<\/p>\n

          \n
        • stabils ien\u0101kums,<\/li>\n
        • laba kred\u012btv\u0113sture,<\/li>\n
        • pietiekams pirm\u0101s iemaksas apjoms.<\/li>\n<\/ul>\n

          Ja tas nav izpild\u0101ms, p\u0101rdev\u0113js var b\u016bt elast\u012bg\u0101ks.<\/p>\n

          \u0100tr\u0101ks dar\u012bjums<\/h3>\n

          Nav nepiecie\u0161ama:<\/p>\n

            \n
          • bankas kred\u012bta izv\u0113rt\u0113\u0161ana,<\/li>\n
          • \u012bpa\u0161uma nov\u0113rt\u0113jums p\u0113c bankas standartiem,<\/li>\n
          • ilgsto\u0161a dokumentu p\u0101rbaude.<\/li>\n<\/ul>\n

            Dar\u012bjums var notikt da\u017eu ned\u0113\u013cu laik\u0101.<\/p>\n

            Elast\u012bgi nosac\u012bjumi<\/h3>\n

            Var vienoties par:<\/p>\n

              \n
            • procentu likmi,<\/li>\n
            • maks\u0101jumu grafiku,<\/li>\n
            • pirmo iemaksu,<\/li>\n
            • gala maks\u0101juma termi\u0146u.<\/li>\n<\/ul>\n

              Zem\u0101kas dar\u012bjuma izmaksas<\/h3>\n

              Nav:<\/p>\n

                \n
              • kred\u012bta noform\u0113\u0161anas komisijas,<\/li>\n
              • bankas apdro\u0161in\u0101\u0161anas pras\u012bbu.<\/li>\n<\/ul>\n

                Ta\u010du Latvij\u0101 joproj\u0101m b\u016bs:<\/p>\n

                  \n
                • not\u0101ra izmaksas,<\/li>\n
                • valsts nodevas,<\/li>\n
                • zemesgr\u0101matas re\u0123istr\u0101cija.<\/li>\n<\/ul>\n

                  Tr\u016bkumi pirc\u0113jam<\/h2>\n

                  Liela pirm\u0101 iemaksa<\/h3>\n

                  Parasti 10%\u201330% vai pat vair\u0101k.<\/p>\n

                  Augst\u0101kas procentu likmes<\/h3>\n

                  T\u0101s bie\u017ei ir augst\u0101kas nek\u0101 bank\u0101s, jo p\u0101rdev\u0113js uz\u0146emas risku.<\/p>\n

                  Gala maks\u0101jums<\/h3>\n

                  Termi\u0146a beig\u0101s j\u0101veic liels maks\u0101jums. Bie\u017ei tas noz\u012bm\u0113, ka n\u0101kotn\u0113 b\u016bs j\u0101\u0146em bankas kred\u012bts.<\/p>\n

                  Juridiskie riski<\/h3>\n

                  Ja p\u0101rdev\u0113jam jau ir hipot\u0113ka un banka to nav saska\u0146ojusi, var rasties probl\u0113mas.<\/p>\n

                  Maz\u0101ka aizsardz\u012bba<\/h3>\n

                  At\u0161\u0137ir\u012bb\u0101 no bank\u0101m Latvij\u0101:<\/p>\n

                    \n
                  • nav tik stingras uzraudz\u012bbas,<\/li>\n
                  • vair\u0101k atbild\u012bbas gulstas uz pa\u0161u pirc\u0113ju.<\/li>\n<\/ul>\n

                    T\u0101p\u0113c oblig\u0101ti ieteicams iesaist\u012bt juristu un not\u0101ru.<\/p>\n

                    P\u0101rdev\u0113ja maks\u0101tnesp\u0113jas risks<\/h3>\n

                    Ja p\u0101rdev\u0113js nepilda savas saist\u012bbas (piem\u0113ram, pret banku), var rasties sare\u017e\u0123\u012bjumi ar \u012bpa\u0161umu.<\/p>\n

                    Tradicion\u0101l\u0101 hipotek\u0101r\u0101 kred\u012bta priek\u0161roc\u012bbas<\/h2>\n

                    Maz\u0101ka pirm\u0101 iemaksa<\/h3>\n

                    Latvij\u0101 parasti:<\/p>\n

                      \n
                    • no ~10%\u201320%,<\/li>\n
                    • ar ALTUM atbalstu \u2014 v\u0113l maz\u0101k.<\/li>\n<\/ul>\n

                      Zem\u0101kas procentu likmes<\/h3>\n

                      Banku konkurence nodro\u0161ina lab\u0101kus nosac\u012bjumus.<\/p>\n

                      Ilg\u0101ks termi\u0146\u0161<\/h3>\n

                      L\u012bdz 30 gadiem bez gala maks\u0101juma.<\/p>\n

                      Augsta juridisk\u0101 aizsardz\u012bba<\/h3>\n

                      Bankas un kredit\u0113\u0161ana Latvij\u0101 tiek stingri uzraudz\u012bta (piem\u0113ram, Latvijas Banka).<\/p>\n

                      Tr\u016bkumi<\/h2>\n

                      Stingras pras\u012bbas<\/h3>\n

                      Nepiecie\u0161ams:<\/p>\n

                        \n
                      • ofici\u0101li ien\u0101kumi,<\/li>\n
                      • laba kred\u012btv\u0113sture,<\/li>\n
                      • stabila nodarbin\u0101t\u012bba.<\/li>\n<\/ul>\n

                        Ilg\u0101ks process<\/h3>\n

                        Dar\u012bjums var ilgt 1\u20132 m\u0113ne\u0161us.<\/p>\n

                        Augst\u0101kas s\u0101kotn\u0113j\u0101s izmaksas<\/h3>\n
                          \n
                        • \u012bpa\u0161uma v\u0113rt\u0113jums,<\/li>\n
                        • bankas komisijas,<\/li>\n
                        • not\u0101rs,<\/li>\n
                        • apdro\u0161in\u0101\u0161ana.<\/li>\n<\/ul>\n

                          Kad izv\u0113l\u0113ties p\u0101rdev\u0113ja finans\u0113jumu?<\/span><\/h2>\n

                          Tas var b\u016bt piem\u0113rots, ja:<\/p>\n

                            \n
                          • ir uzkr\u0101jumi, bet slikta kred\u012btv\u0113sture,<\/li>\n
                          • esi pa\u0161nodarbin\u0101tais,<\/li>\n
                          • nepiecie\u0161ams \u0101trs dar\u012bjums,<\/li>\n
                          • pl\u0101no n\u0101kotn\u0113 refinans\u0113t bank\u0101,<\/li>\n
                          • p\u0101rdev\u0113js ir uzticams un \u012bpa\u0161ums ir bez apgr\u016btin\u0101jumiem,<\/li>\n
                          • l\u012bgumu p\u0101rbaud\u012bjis jurists.<\/li>\n<\/ul>\n

                            Kad lab\u0101k izv\u0113l\u0113ties bankas kred\u012btu?<\/span><\/h2>\n
                              \n
                            • vari kvalific\u0113ties kred\u012btam,<\/li>\n
                            • v\u0113lies zem\u0101ku procentu likmi,<\/li>\n
                            • nepiecie\u0161ams ilgtermi\u0146a risin\u0101jums bez riskiem,<\/li>\n
                            • nev\u0113lies juridiskas neskaidr\u012bbas,<\/li>\n
                            • nav lielas pirm\u0101s iemaksas.<\/li>\n<\/ul>\n

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

                              Tradicion\u0101lais hipotek\u0101rais kred\u012bts parasti ir galven\u0101 izv\u0113le m\u0101jok\u013ca ieg\u0101dei Latvij\u0101, ta\u010du past\u0101v ar\u012b alternat\u012bva \u2014 p\u0101rdev\u0113ja finans\u0113jums (da\u017ek\u0101rt saukts par pirkumu uz nomaksu vai pirkuma l\u012bgumu ar atlikto maks\u0101jumu). Ja… <\/p>\n","protected":false},"author":223336,"featured_media":2048174,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2049204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategorijas"],"yoast_head":"\nTradicion\u0101lie hipotek\u0101rie kred\u012bti vs. p\u0101rdev\u0113ja finans\u0113jums - REALAT.lv<\/title>\n<meta name=\"description\" content=\"Tradicion\u0101lais hipotek\u0101rais kred\u012bts parasti ir galven\u0101 izv\u0113le m\u0101jok\u013ca ieg\u0101dei Latvij\u0101, ta\u010du past\u0101v ar\u012b alternat\u012bva \u2014 p\u0101rdev\u0113ja finans\u0113jums (da\u017ek\u0101rt saukts par pirkumu uz nomaksu vai pirkuma l\u012bgumu ar atlikto maks\u0101jumu). Ja esi redz\u0113jis sludin\u0101jumus ar tekstu \u201c\u012bpa\u0161nieks finans\u0113\u201d vai \u201cp\u0101rdo\u0161ana ar nomaksu\u201d, iesp\u0113jams, rodas jaut\u0101jums \u2014 ko tas noz\u012bm\u0113 un vai tas ir piem\u0113rots risin\u0101jums.\" \/>\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=\"Tradicion\u0101lie hipotek\u0101rie kred\u012bti vs. p\u0101rdev\u0113ja finans\u0113jums - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"{:lv}Tradicion\u0101lais hipotek\u0101rais kred\u012bts parasti ir galven\u0101 izv\u0113le m\u0101jok\u013ca ieg\u0101dei Latvij\u0101, ta\u010du past\u0101v ar\u012b alternat\u012bva \u2014 p\u0101rdev\u0113ja finans\u0113jums (da\u017ek\u0101rt saukts par pirkumu uz nomaksu vai pirkuma l\u012bgumu ar atlikto maks\u0101jumu). Ja esi redz\u0113jis sludin\u0101jumus ar tekstu \u201c\u012bpa\u0161nieks finans\u0113\u201d vai \u201cp\u0101rdo\u0161ana ar nomaksu\u201d, iesp\u0113jams, rodas jaut\u0101jums \u2014 ko tas noz\u012bm\u0113 un vai tas ir piem\u0113rots risin\u0101jums.{:}\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/05\/realat-pardot-ipasumu-1.jpg\" \/>\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\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/\"},\"author\":{\"name\":\"Renate\",\"@id\":\"https:\/\/www.realat.lv\/en\/#\/schema\/person\/ce19012f9abda33dfb93e28e1f641989\"},\"headline\":\"Tradicion\u0101lie hipotek\u0101rie kred\u012bti vs. p\u0101rdev\u0113ja finans\u0113jums\",\"datePublished\":\"2026-04-22T10:58:35+00:00\",\"dateModified\":\"2026-04-22T10:59:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/\"},\"wordCount\":741,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/05\/realat-pardot-ipasumu-1.jpg\",\"articleSection\":[\"Bez kategorijas\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/\",\"url\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/\",\"name\":\"Tradicion\u0101lie hipotek\u0101rie kred\u012bti vs. p\u0101rdev\u0113ja finans\u0113jums - REALAT.lv\",\"isPartOf\":{\"@id\":\"https:\/\/www.realat.lv\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.realat.lv\/lv\/bez-kategorijas\/tradicionalie-hipotekarie-krediti-vs-pardeveja-finansejums\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realat.lv\/wp-content\/uploads\/2025\/05\/realat-pardot-ipasumu-1.jpg\",\"datePublished\":\"2026-04-22T10:58:35+00:00\",\"dateModified\":\"2026-04-22T10:59:36+00:00\",\"author\":{\"@id\":\"https:\/\/www.realat.lv\/en\/#\/schema\/person\/ce19012f9abda33dfb93e28e1f641989\"},\"description\":\"{:lv}Tradicion\u0101lais hipotek\u0101rais kred\u012bts parasti ir galven\u0101 izv\u0113le m\u0101jok\u013ca ieg\u0101dei Latvij\u0101, ta\u010du past\u0101v ar\u012b alternat\u012bva \u2014 p\u0101rdev\u0113ja finans\u0113jums (da\u017ek\u0101rt saukts par pirkumu uz nomaksu vai pirkuma l\u012bgumu ar atlikto maks\u0101jumu). 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