{"id":2049287,"date":"2026-06-04T17:09:38","date_gmt":"2026-06-04T14:09:38","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2049287"},"modified":"2026-06-04T17:12:34","modified_gmt":"2026-06-04T14:12:34","slug":"vai-ires-majoklis-ir-naudas-izskiesana","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/realat\/vai-ires-majoklis-ir-naudas-izskiesana\/","title":{"rendered":"Vai \u012bres m\u0101joklis ir naudas iz\u0161\u0137ie\u0161ana?"},"content":{"rendered":"<p><\/p>\n<p class=\"isSelectedEnd\">Daudzi \u012brnieki Latvij\u0101 dom\u0101, vai \u012bres maks\u0101\u0161ana ir naudas iz\u0161\u0137ie\u0161ana vai tom\u0113r finansi\u0101li izdev\u012bg\u0101ka izv\u0113le nek\u0101 sava m\u0101jok\u013ca ieg\u0101de. \u012are nodro\u0161ina liel\u0101ku elast\u012bbu un maz\u0101kas s\u0101kotn\u0113j\u0101s izmaksas, ta\u010du \u0161\u012bm priek\u0161roc\u012bb\u0101m bie\u017ei vien ir ilgtermi\u0146a kompromisi. Cilv\u0113kiem, kuri vien\u0101 pils\u0113t\u0101 vai re\u0123ion\u0101 dz\u012bvo daudzus gadus, pieaugo\u0161\u0101s \u012bres cenas un neieg\u016bt\u0101 \u012bpa\u0161uma v\u0113rt\u012bba var rad\u012bt iev\u0113rojamas alternat\u012bv\u0101s izmaksas. Jaut\u0101jums nav par to, vai \u012bre vienm\u0113r ir d\u0101rg\u0101ka, bet gan par to, vai t\u0101 ir d\u0101rg\u0101ka tie\u0161i j\u016bsu situ\u0101cij\u0101.<\/p>\n<ul data-spread=\"false\">\n<li>Ilgtermi\u0146\u0101 \u012bre bie\u017ei izmaks\u0101 vair\u0101k, jo \u012bres maks\u0101jumi neveido \u012bpa\u0161uma kapit\u0101lu.<\/li>\n<li>M\u0101jok\u013ca ieg\u0101de ar hipotek\u0101ro kred\u012btu \u013cauj fiks\u0113t liel\u0101ko da\u013cu m\u0101jok\u013ca izmaksu, savuk\u0101rt \u012bres maksa parasti laika gait\u0101 pieaug.<\/li>\n<li>\u012are var b\u016bt izdev\u012bg\u0101ka cilv\u0113kiem, kuri bie\u017ei maina dz\u012bvesvietu vai iegulda savus uzkr\u0101jumus citos akt\u012bvos.<\/li>\n<li>Ilgtermi\u0146a izmaksu at\u0161\u0137ir\u012bba starp \u012bri un \u012bpa\u0161uma ieg\u0101di ir atkar\u012bga no j\u016bsu pl\u0101niem, finan\u0161u m\u0113r\u0137iem un viet\u0113j\u0101 nekustam\u0101 \u012bpa\u0161uma tirgus.<\/li>\n<li>Sal\u012bdzinot kop\u0113j\u0101s m\u0101jok\u013ca izmaksas 5\u201310 gadu period\u0101, parasti k\u013c\u016bst skaidrs, kur\u0161 variants ir finansi\u0101li izdev\u012bg\u0101ks.<\/li>\n<\/ul>\n<h2>Vai \u012bres maks\u0101\u0161ana ir naudas iz\u0161\u0137ie\u0161ana?<\/h2>\n<p class=\"isSelectedEnd\">\u012ares maks\u0101\u0161ana pati par sevi nav naudas iz\u0161\u0137ie\u0161ana, ta\u010du t\u0101 parasti neveido ilgtermi\u0146a kapit\u0101lu t\u0101d\u0101 veid\u0101 k\u0101 sava m\u0101jok\u013ca ieg\u0101de. Maks\u0101jot \u012bri, j\u016bs sa\u0146emat ties\u012bbas izmantot m\u0101jokli, bet neieg\u016bstat \u012bpa\u0161umties\u012bbas. Samaks\u0101t\u0101 nauda non\u0101k \u012bpa\u0161niekam, un jums neveidojas uzkr\u0101ta \u012bpa\u0161uma v\u0113rt\u012bba.<\/p>\n<p class=\"isSelectedEnd\">Savuk\u0101rt hipotek\u0101r\u0101 kred\u012bta maks\u0101jumi parasti ietver gan procentus, gan pamatsummas atmaksu. Ar katru maks\u0101jumu pieaug j\u016bsu \u012bpa\u0161uma da\u013ca, kas laika gait\u0101 k\u013c\u016bst par v\u0113rt\u012bgu akt\u012bvu. \u0160o kapit\u0101lu iesp\u0113jams izmantot n\u0101kotn\u0113, p\u0101rdodot \u012bpa\u0161umu vai izmantojot to k\u0101 nodro\u0161in\u0101jumu.<\/p>\n<h2>K\u0101 \u012bre ilgtermi\u0146\u0101 var izmaks\u0101t d\u0101rg\u0101k<\/h2>\n<p class=\"isSelectedEnd\">Lai gan \u012bre \u012bstermi\u0146\u0101 bie\u017ei \u0161\u0137iet vienk\u0101r\u0161\u0101ks risin\u0101jums, ilgtermi\u0146\u0101 m\u0101jok\u013ca ieg\u0101de daudzos gad\u012bjumos var b\u016bt finansi\u0101li izdev\u012bg\u0101ka.<\/p>\n<h3>Netiek veidots \u012bpa\u0161uma kapit\u0101ls<\/h3>\n<p class=\"isSelectedEnd\">\u012ares maks\u0101jums ir regul\u0101ri izdevumi bez tie\u0161as finansi\u0101las atdeves. Katru m\u0113nesi j\u016bs samaks\u0101jat par dz\u012bvesvietu, ta\u010du neveidojat sev piedero\u0161u akt\u012bvu.<\/p>\n<p class=\"isSelectedEnd\">Savuk\u0101rt, atmaks\u0101jot hipotek\u0101ro kred\u012btu, da\u013ca maks\u0101juma palielina j\u016bsu \u012bpa\u0161uma kapit\u0101lu. P\u0113c 10 vai 15 gadiem \u0161\u012b starp\u012bba var sasniegt desmitiem t\u016bksto\u0161u eiro.<\/p>\n<h3>Pieaugo\u0161a \u012bres maksa pret stabil\u0101kiem kred\u012bta maks\u0101jumiem<\/h3>\n<p class=\"isSelectedEnd\">Latvij\u0101 p\u0113d\u0113jos gados daudzviet ir nov\u0113rots \u012bres cenu pieaugums, \u012bpa\u0161i R\u012bg\u0101 un Pier\u012bg\u0101. Dz\u012bvok\u013ca \u012bpa\u0161nieki nereti paaugstina \u012bres maksu, lai segtu pieaugo\u0161\u0101s uztur\u0113\u0161anas izmaksas, nekustam\u0101 \u012bpa\u0161uma nodok\u013cus vai tirgus cenu izmai\u0146as.<\/p>\n<p class=\"isSelectedEnd\">Ja \u012brnieks \u0161odien maks\u0101, piem\u0113ram, 600 eiro m\u0113nes\u012b, p\u0113c pieciem gadiem \u0161\u012b summa var b\u016bt iev\u0113rojami liel\u0101ka.<\/p>\n<p class=\"isSelectedEnd\">Savuk\u0101rt \u012bpa\u0161niekiem ar fiks\u0113tas likmes hipotek\u0101ro kred\u012btu ikm\u0113ne\u0161a maks\u0101jums ir prognoz\u0113jam\u0101ks. Lai gan komun\u0101lie maks\u0101jumi un citi izdevumi var pieaugt, b\u016btisk\u0101k\u0101 maks\u0101juma da\u013ca paliek nemain\u012bga.<\/p>\n<h3>Neieg\u016bta \u012bpa\u0161uma v\u0113rt\u012bbas pieauguma priek\u0161roc\u012bba<\/h3>\n<p class=\"isSelectedEnd\">Ja nekustam\u0101 \u012bpa\u0161uma cenas pieaug, m\u0101jok\u013ca \u012bpa\u0161nieki no t\u0101 ieg\u016bst tie\u0161u labumu. Pieaugot \u012bpa\u0161uma v\u0113rt\u012bbai, palielin\u0101s ar\u012b vi\u0146u kop\u0113j\u0101 tur\u012bba.<\/p>\n<p class=\"isSelectedEnd\">\u012arnieki no \u0161\u012b v\u0113rt\u012bbas pieauguma neg\u016bst finansi\u0101lu labumu. Desmit gadu laik\u0101 \u012bpa\u0161uma v\u0113rt\u012bbas k\u0101pums var sasniegt vair\u0101kus desmitus t\u016bksto\u0161u eiro, kas \u012brniekiem paliek neieg\u016bta iesp\u0113ja.<\/p>\n<h2>Kad \u012br\u0113t ir sapr\u0101t\u012bg\u0101k?<\/h2>\n<p class=\"isSelectedEnd\">\u012are ne vienm\u0113r ir slikt\u0101kais variants. Da\u017e\u0101s situ\u0101cij\u0101s t\u0101 var b\u016bt pat gudr\u0101ka izv\u0113le nek\u0101 \u012bpa\u0161uma ieg\u0101de.<\/p>\n<h3>J\u016bs bie\u017ei main\u0101t dz\u012bvesvietu<\/h3>\n<p class=\"isSelectedEnd\">Ja darba, studiju vai citu iemeslu d\u0113\u013c p\u0101rv\u0101caties ik p\u0113c viena vai diviem gadiem, \u012bpa\u0161uma ieg\u0101de var neb\u016bt finansi\u0101li izdev\u012bga. Dz\u012bvok\u013ca vai m\u0101jas ieg\u0101de un v\u0113l\u0101k p\u0101rdo\u0161ana rada papildu izmaksas, kas \u012bs\u0101 laik\u0101 var p\u0101rsniegt ieguvumus.<\/p>\n<h3>Jums v\u0113l nav pietiekamu uzkr\u0101jumu<\/h3>\n<p class=\"isSelectedEnd\">M\u0101jok\u013ca ieg\u0101dei Latvij\u0101 parasti nepiecie\u0161ama pirm\u0101 iemaksa, not\u0101ra pakalpojumu apmaksa, v\u0113rt\u0113jums un finan\u0161u rezerve neparedz\u0113tiem gad\u012bjumiem.<\/p>\n<p class=\"isSelectedEnd\">Ja v\u0113l tikai veidojat uzkr\u0101jumus, \u012bre var b\u016bt re\u0101l\u0101kais risin\u0101jums, l\u012bdz j\u016bsu finansi\u0101l\u0101 situ\u0101cija k\u013c\u016bst stabil\u0101ka.<\/p>\n<h3>J\u016bs ieguld\u0101t starp\u012bbu<\/h3>\n<p class=\"isSelectedEnd\">Da\u017ei cilv\u0113ki uzskata, ka \u012bre nav naudas iz\u0161\u0137ie\u0161ana, ja ietaup\u012bto naudu regul\u0101ri iegulda. Tas var ietvert l\u012bdzek\u013cus, kas cit\u0101di tiktu izmantoti pirmajai iemaksai, remontiem vai citiem ar \u012bpa\u0161umu saist\u012btiem izdevumiem.<\/p>\n<p class=\"isSelectedEnd\">Ja \u0161ie l\u012bdzek\u013ci tiek disciplin\u0113ti ieguld\u012bti, piem\u0113ram, indeksu fondos vai citos ilgtermi\u0146a ieguld\u012bjumos, ar\u012b \u012brnieks var veidot kapit\u0101lu. Tom\u0113r praks\u0113 daudzi cilv\u0113ki \u0161o starp\u012bbu neiegulda sistem\u0101tiski.<\/p>\n<h2>\u012are vai sava m\u0101jok\u013ca ieg\u0101de: ilgtermi\u0146a izmaksu sal\u012bdzin\u0101jums<\/h2>\n<p class=\"isSelectedEnd\">Sal\u012bdzinot \u012bri un \u012bpa\u0161uma ieg\u0101di, \u013coti svar\u012bgs ir laika horizonts.<\/p>\n<p class=\"isSelectedEnd\">1\u20132 gadu period\u0101 \u012bre bie\u017ei ir l\u0113t\u0101ka, jo nav j\u0101veic pirm\u0101 iemaksa un citi s\u0101kotn\u0113jie izdevumi.<\/p>\n<p class=\"isSelectedEnd\">Savuk\u0101rt 5\u201310 gadu period\u0101 sava m\u0101jok\u013ca ieg\u0101de bie\u017ei k\u013c\u016bst finansi\u0101li izdev\u012bg\u0101ka, jo:<\/p>\n<ul data-spread=\"false\">\n<li>samazin\u0101s kred\u012bta pamatsumma;<\/li>\n<li>veidojas \u012bpa\u0161uma kapit\u0101ls;<\/li>\n<li>iesp\u0113jams \u012bpa\u0161uma v\u0113rt\u012bbas pieaugums;<\/li>\n<li>tiek samazin\u0101ta atkar\u012bba no \u012bres cenu k\u0101puma.<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Objekt\u012bv\u0101 sal\u012bdzin\u0101jum\u0101 b\u016btu j\u0101\u0146em v\u0113r\u0101:<\/p>\n<ul data-spread=\"false\">\n<li>\u012bres cenu pieaugums;<\/li>\n<li>kred\u012bta maks\u0101jumi un procenti;<\/li>\n<li>\u012bpa\u0161uma v\u0113rt\u012bbas izmai\u0146as;<\/li>\n<li>uztur\u0113\u0161anas un remonta izmaksas;<\/li>\n<li>nodok\u013ci un citi \u012bpa\u0161uma izdevumi.<\/li>\n<\/ul>\n<h2>Kas j\u0101izv\u0113rt\u0113 pirms l\u0113muma pie\u0146em\u0161anas?<\/h2>\n<p class=\"isSelectedEnd\">Pirms izlemt, vai \u012bre j\u016bsu gad\u012bjum\u0101 ir izdev\u012bga, apsveriet \u0161\u0101dus jaut\u0101jumus:<\/p>\n<ul data-spread=\"false\">\n<li>Cik ilgi pl\u0101nojat dz\u012bvot konkr\u0113taj\u0101 pils\u0113t\u0101 vai rajon\u0101?<\/li>\n<li>Vai varat at\u013cauties pirmo iemaksu un hipotek\u0101r\u0101 kred\u012bta maks\u0101jumus, nep\u0101rsniedzot savu bud\u017eetu?<\/li>\n<li>K\u0101das ir nekustam\u0101 \u012bpa\u0161uma cenas un kredit\u0113\u0161anas nosac\u012bjumi j\u016bsu re\u0123ion\u0101?<\/li>\n<li>Vai jums ir discipl\u012bna regul\u0101ri ieguld\u012bt naudu, ko ietaup\u0101t, izv\u0113loties \u012bri?<\/li>\n<li>K\u0101das ir \u012bres cenu tendences j\u016bsu apk\u0101rtn\u0113 un k\u0101 t\u0101s var\u0113tu main\u012bties n\u0101kamajos gados?<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Ja pl\u0101nojat vien\u0101 viet\u0101 dz\u012bvot vismaz piecus gadus un j\u016bsu finansi\u0101l\u0101 situ\u0101cija \u013cauj ieg\u0101d\u0101ties m\u0101jokli, \u012bpa\u0161uma ieg\u0101de bie\u017ei ir izdev\u012bg\u0101ka ilgtermi\u0146a izv\u0113le. Ja j\u016bsu pl\u0101ni ir neskaidri vai uzkr\u0101jumi v\u0113l nav pietiekami, \u012bre var b\u016bt piem\u0113rot\u0101ks risin\u0101jums.<\/p>\n<h2>Bie\u017e\u0101k uzdotie jaut\u0101jumi<\/h2>\n<h3>Vai dz\u012bvok\u013ca \u012br\u0113\u0161ana ir naudas iz\u0161\u0137ie\u0161ana?<\/h3>\n<p class=\"isSelectedEnd\">Ne vienm\u0113r. Tas ir atkar\u012bgs no j\u016bsu dz\u012bves pl\u0101niem un finan\u0161u m\u0113r\u0137iem. \u012astermi\u0146\u0101 vai situ\u0101cij\u0101s, kad v\u0113l nevarat at\u013cauties ieg\u0101d\u0101ties m\u0101jokli, \u012bre ir piln\u012bgi pamatota izv\u0113le. Tom\u0113r ilgtermi\u0146\u0101 t\u0101 parasti neveido kapit\u0101lu.<\/p>\n<h3>Vai gudr\u0101k ir \u012br\u0113t vai pirkt?<\/h3>\n<p class=\"isSelectedEnd\">Ja pl\u0101nojat dz\u012bvot vien\u0101 viet\u0101 vismaz piecus gadus un varat at\u013cauties ieg\u0101di, pirk\u0161ana bie\u017ei ir finansi\u0101li izdev\u012bg\u0101ka. Ja bie\u017ei p\u0101rv\u0101caties vai v\u0113l veidojat uzkr\u0101jumus, \u012bre var b\u016bt lab\u0101ka izv\u0113le.<\/p>\n<h3>Vai \u012bre vienm\u0113r izmaks\u0101 vair\u0101k nek\u0101 \u012bpa\u0161uma ieg\u0101de?<\/h3>\n<p class=\"isSelectedEnd\">N\u0113. Da\u017eos tirgos un augstu procentu likmju periodos ikm\u0113ne\u0161a \u012bres maksa var b\u016bt zem\u0101ka nek\u0101 kred\u012bta maks\u0101jums par l\u012bdzv\u0113rt\u012bgu m\u0101jokli. Tom\u0113r ilgtermi\u0146\u0101 \u012bpa\u0161uma ieg\u0101de bie\u017ei nodro\u0161ina liel\u0101ku kapit\u0101la uzkr\u0101jumu.<\/p>\n<p class=\"isSelectedEnd\">Vai \u012bres maks\u0101\u0161ana ir naudas iz\u0161\u0137ie\u0161ana? Ne oblig\u0101ti. Tom\u0113r daudzos gad\u012bjumos ilgtermi\u0146\u0101 t\u0101 var izmaks\u0101t vair\u0101k nek\u0101 sava m\u0101jok\u013ca ieg\u0101de. \u012are ir piem\u0113rota tiem, kuriem nepiecie\u0161ama elast\u012bba vai kuri v\u0113l nav gatavi ieg\u0101d\u0101ties \u012bpa\u0161umu. Savuk\u0101rt cilv\u0113kiem, kuri pl\u0101no ilgsto\u0161i dz\u012bvot vien\u0101 viet\u0101, m\u0101jok\u013ca ieg\u0101de bie\u017ei nodro\u0161ina liel\u0101ku finansi\u0101lo ieguvumu n\u0101kotn\u0113.<\/p>\n<p>Svar\u012bg\u0101kais jaut\u0101jums nav tas, vai \u012bre vienm\u0113r ir d\u0101rg\u0101ka, bet gan tas, kur\u0161 variants vislab\u0101k atbilst j\u016bsu individu\u0101lajai situ\u0101cijai, m\u0113r\u0137iem un bud\u017eetam.<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Daudzi \u012brnieki Latvij\u0101 dom\u0101, vai \u012bres maks\u0101\u0161ana ir naudas iz\u0161\u0137ie\u0161ana vai tom\u0113r finansi\u0101li izdev\u012bg\u0101ka izv\u0113le nek\u0101 sava m\u0101jok\u013ca ieg\u0101de. \u012are nodro\u0161ina liel\u0101ku elast\u012bbu un maz\u0101kas s\u0101kotn\u0113j\u0101s izmaksas, ta\u010du \u0161\u012bm priek\u0161roc\u012bb\u0101m&#8230; <\/p>\n","protected":false},"author":223336,"featured_media":2049288,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2049287","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-realat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vai \u012bres m\u0101joklis ir naudas iz\u0161\u0137ie\u0161ana? - REALAT.lv<\/title>\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=\"Vai \u012bres m\u0101joklis ir naudas iz\u0161\u0137ie\u0161ana? - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"Daudzi \u012brnieki Latvij\u0101 dom\u0101, vai \u012bres maks\u0101\u0161ana ir naudas iz\u0161\u0137ie\u0161ana vai tom\u0113r finansi\u0101li izdev\u012bg\u0101ka izv\u0113le nek\u0101 sava m\u0101jok\u013ca ieg\u0101de. \u012are nodro\u0161ina liel\u0101ku elast\u012bbu un maz\u0101kas s\u0101kotn\u0113j\u0101s izmaksas, ta\u010du \u0161\u012bm priek\u0161roc\u012bb\u0101m...\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.realat.lv\/wp-content\/uploads\/2026\/06\/realat-pirkt-iret.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=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/realat\\\/vai-ires-majoklis-ir-naudas-izskiesana\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/realat\\\/vai-ires-majoklis-ir-naudas-izskiesana\\\/\"},\"author\":{\"name\":\"Renate\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/ce19012f9abda33dfb93e28e1f641989\"},\"headline\":\"Vai \u012bres m\u0101joklis ir naudas iz\u0161\u0137ie\u0161ana?\",\"datePublished\":\"2026-06-04T14:09:38+00:00\",\"dateModified\":\"2026-06-04T14:12:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/realat\\\/vai-ires-majoklis-ir-naudas-izskiesana\\\/\"},\"wordCount\":1537,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/realat\\\/vai-ires-majoklis-ir-naudas-izskiesana\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.realat.lv\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/realat-pirkt-iret.jpg\",\"articleSection\":[\"REALAT\"],\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.realat.lv\\\/lv\\\/realat\\\/vai-ires-majoklis-ir-naudas-izskiesana\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/realat\\\/vai-ires-majoklis-ir-naudas-izskiesana\\\/\",\"url\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/realat\\\/vai-ires-majoklis-ir-naudas-izskiesana\\\/\",\"name\":\"Vai \u012bres m\u0101joklis ir naudas iz\u0161\u0137ie\u0161ana? 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