{"id":2049368,"date":"2026-08-20T14:14:06","date_gmt":"2026-08-20T11:14:06","guid":{"rendered":"https:\/\/www.realat.lv\/lv\/?p=2049368"},"modified":"2026-08-20T17:22:27","modified_gmt":"2026-08-20T14:22:27","slug":"pirkt-vai-iret-majokli-kas-janem-vera-pienemot-lemumu","status":"publish","type":"post","link":"https:\/\/www.realat.lv\/lv\/zina\/pirkt-vai-iret-majokli-kas-janem-vera-pienemot-lemumu\/","title":{"rendered":"Pirkt vai \u012br\u0113t m\u0101jokli? Kas j\u0101\u0146em v\u0113r\u0101, pie\u0146emot l\u0113mumu"},"content":{"rendered":"

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\u012ar\u0113t vai ieg\u0101d\u0101ties savu m\u0101jokli \u2013 \u0161is jaut\u0101jums ir aktu\u0101ls daudziem, \u012bpa\u0161i br\u012bd\u012b, kad ikm\u0113ne\u0161a \u012bres maksa pieaug un tuvojas potenci\u0101lajam kred\u012btmaks\u0101juma apm\u0113ram. Tom\u0113r finansi\u0101lais sal\u012bdzin\u0101jums ir tikai viena da\u013ca no l\u0113muma. Kas j\u0101\u0146em v\u0113r\u0101, izv\u0113loties starp m\u0101jok\u013ca ieg\u0101di un \u012bri, skaidro Kaspars Luka\u010dovs, Luminor bankas priv\u0101tpersonu kredit\u0113\u0161anas vad\u012bt\u0101js.<\/p>\n<\/div>\n

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Liel\u0101k\u0101 da\u013ca Latvijas iedz\u012bvot\u0101ju jau dz\u012bvo sev vai \u0123imenei piedero\u0161\u0101 m\u0101jokl\u012b, ta\u010du ar\u012b starp tiem, kuri \u0161obr\u012bd \u012br\u0113, interese par sava \u012bpa\u0161uma ieg\u0101di ir \u013coti augsta. Luminor bankas aptauja liecina, ka 83 % \u012brnieku b\u016btu gatavi ieg\u0101d\u0101ties m\u0101jokli, ja ikm\u0113ne\u0161a hipotek\u0101r\u0101 kred\u012bta maks\u0101jums b\u016btu l\u012bdzv\u0113rt\u012bgs pa\u0161reiz\u0113jai \u012bres maksai. Visizteikt\u0101k \u0161\u0101da v\u0113lme v\u0113rojama jaun\u0101ku iedz\u012bvot\u0101ju vid\u016b \u2013 vecum\u0101 no 18 l\u012bdz 39 gadiem, kam\u0113r kopum\u0101 sav\u0101 \u012bpa\u0161um\u0101 visbie\u017e\u0101k dz\u012bvo cilv\u0113ki p\u0113c 50 gadu vecuma.<\/p>\n

Gan m\u0101jok\u013ca ieg\u0101dei, gan \u012brei ir savi ieguvumi un kompromisi. Savs m\u0101joklis nodro\u0161ina liel\u0101ku stabilit\u0101ti un \u013cauj veidot ilgtermi\u0146a v\u0113rt\u012bbu, ta\u010du tas saist\u012bts ar liel\u0101kiem s\u0101kotn\u0113jiem ieguld\u012bjumiem un atbild\u012bbu par \u012bpa\u0161uma uztur\u0113\u0161anu. Savuk\u0101rt \u012bre pied\u0101v\u0101 liel\u0101ku mobilit\u0101ti un elast\u012bbu, tom\u0113r \u012brnieka iesp\u0113jas piel\u0101got m\u0101jokli sav\u0101m vajadz\u012bb\u0101m un v\u0113lm\u0113m parasti ir ierobe\u017eot\u0101kas. Daudzi, kas ilgsto\u0161i dz\u012bvo \u012br\u0113t\u0101 m\u0101jokl\u012b, agr\u0101k vai v\u0113l\u0101k s\u0101k apsv\u0113rt iesp\u0113ju ieguld\u012bt ikm\u0113ne\u0161a maks\u0101jumus sava \u012bpa\u0161uma ieg\u0101d\u0113 ar hipotek\u0101r\u0101 kred\u012bta pal\u012bdz\u012bbu. Tom\u0113r l\u0113mums par m\u0101jok\u013ca ieg\u0101di j\u0101pie\u0146em r\u016bp\u012bgi. Savs m\u0101joklis visbie\u017e\u0101k ir piem\u0113rots risin\u0101jums tiem, kuri ir p\u0101rliecin\u0101ti par savu finansi\u0101lo situ\u0101ciju un atradu\u0161i \u012bpa\u0161umu, kas atbilst vi\u0146u vajadz\u012bb\u0101m \u0161aj\u0101 dz\u012bves posm\u0101. M\u0101jok\u013ca ieg\u0101de nenoz\u012bm\u0113, ka cilv\u0113ks uz vair\u0101kiem gadu desmitiem ir piesaist\u012bts vienai dz\u012bvesvietai \u2013 mainoties dz\u012bves situ\u0101cijai un finansi\u0101laj\u0101m iesp\u0113j\u0101m, \u012bpa\u0161umu iesp\u0113jams p\u0101rdot vai iz\u012br\u0113t, bet t\u0101 v\u0113rt\u012bbas pieaugums var k\u013c\u016bt ar\u012b par ieguvumu.<\/p>\n

Ne vienm\u0113r \u012bre ir l\u0113t\u0101kais risin\u0101jums\u00a0\u00a0 \u00a0<\/h2>\n

L\u0113mumu par m\u0101jok\u013ca ieg\u0101di vai \u012bri ietekm\u0113 ne tikai person\u012bg\u0101s vajadz\u012bbas, bet ar\u012b nekustam\u0101 \u012bpa\u0161uma pied\u0101v\u0101jums. Mainoties m\u0101jok\u013cu cen\u0101m, \u012bres maksai vai Euribor likm\u0113m, var main\u012bties ar\u012b finansi\u0101lais izdev\u012bgums. Cenu Bankas dati liecina, ka \u0161\u012b gada maij\u0101 vid\u0113j\u0101 \u012bres maksa par divistabu dz\u012bvokli R\u012bg\u0101 bija 620 eiro m\u0113nes\u012b jaunaj\u0101 projekt\u0101 un 370 eiro padomju laik\u0101 celt\u0101s s\u0113rijveida dz\u012bvok\u013cu \u0113k\u0101s. Un ir gad\u012bjumi, kad s\u0113rijveida dz\u012bvok\u013ca ikm\u0113ne\u0161a kred\u012btmaks\u0101jums var b\u016bt l\u012bdzv\u0113rt\u012bgs vai pat zem\u0101ks par \u012bres maksu, t\u0101p\u0113c pirms l\u0113muma pie\u0146em\u0161anas ir v\u0113rts r\u016bp\u012bgi sal\u012bdzin\u0101t visus variantus un izv\u0113rt\u0113t ieguvumus ilgtermi\u0146\u0101. Prec\u012bz\u0101kus m\u0101jok\u013ca kred\u012bta ikm\u0113ne\u0161a maks\u0101jumus var noskaidrot bankas m\u0101jaslap\u0101 ar kred\u012btu kalkulatoru pal\u012bdz\u012bbu.\u00a0<\/p>\n

L\u0113mumu nosaka ne tikai finanses, bet ar\u012b dz\u012bvesveids<\/h2>\n

Gan m\u0101jok\u013ca ieg\u0101dei, gan \u012brei ir savas priek\u0161roc\u012bbas un izaicin\u0101jumi, t\u0101p\u0113c piem\u0113rot\u0101kais risin\u0101jums ir j\u0101izv\u0113rt\u0113 individu\u0101li. Viens no popul\u0101r\u0101kajiem ieguvumiem, m\u0101jokli ieg\u0101d\u0101joties, ir ieg\u016bt\u0101 patst\u0101v\u012bba, jo vairs nav j\u0101uztraucas par iz\u012br\u0113t\u0101ja noteikumiem, j\u0101atsak\u0101s no iecer\u0113t\u0101 interjera vai j\u0101raiz\u0113jas par \u012bres l\u012bguma pagarin\u0101\u0161anu. Savuk\u0101rt \u012br\u0113ts m\u0101joklis sniedz liel\u0101ku elast\u012bbu un maz\u0101k r\u016bpju par \u012bpa\u0161uma uztur\u0113\u0161anu un remontdarbiem. T\u0101p\u0113c, pie\u0146emot l\u0113mumu, svar\u012bgi izv\u0113rt\u0113t ne tikai pa\u0161reiz\u0113j\u0101s iesp\u0113jas, bet ar\u012b ilgtermi\u0146a pl\u0101nus un priorit\u0101tes.<\/p>\n

\u012are ir piem\u0113rots risin\u0101jums tiem, kuriem nepiecie\u0161ama liel\u0101ka elast\u012bba. Savuk\u0101rt cilv\u0113kiem, kuri ir gatavi ieguld\u012bt sav\u0101 m\u0101jokl\u012b, t\u0101 ieg\u0101de var sniegt liel\u0101ku stabilit\u0101ti un dro\u0161\u012bbas saj\u016btu, vienlaikus veidojot kapit\u0101lu, kas \u013cauj piel\u0101gojoties main\u012bgaj\u0101m dz\u012bves vajadz\u012bb\u0101m un ieg\u0101d\u0101ties liel\u0101ku vai maz\u0101ku \u012bpa\u0161umu v\u0113l\u0101k.<\/p>\n

Izv\u0113rt\u0113 savas iesp\u0113jas<\/h2>\n

Pirms pie\u0146emt l\u0113mumu par m\u0101jok\u013ca ieg\u0101di, v\u0113rts sev uzdot da\u017eus praktiskus jaut\u0101jumus. Tie pal\u012bdz nov\u0113rt\u0113t ne tikai finansi\u0101l\u0101s iesp\u0113jas, bet ar\u012b to, vai konkr\u0113tais \u012bpa\u0161ums un ar to saist\u012bt\u0101s saist\u012bbas atbilst j\u016bsu pa\u0161reiz\u0113j\u0101m un n\u0101kotnes vajadz\u012bb\u0101m. B\u016btiski saprast, vai \u0161aj\u0101 m\u0101jokl\u012b pl\u0101nojat dz\u012bvot vismaz piecus gadus, vai jums ir pietiekami l\u012bdzek\u013ci pirmajai iemaksai un papildu izmaks\u0101m, k\u0101 ar\u012b vai ikm\u0113ne\u0161a bud\u017eet\u0101 ir pietiekama rezerve kred\u012btmaks\u0101juma seg\u0161anai ar\u012b neparedz\u0113t\u0101s situ\u0101cij\u0101s. T\u0101pat j\u0101izv\u0113rt\u0113 m\u0101jok\u013ca uztur\u0113\u0161anas izmaksas, darba un ien\u0101kumu stabilit\u0101te tuv\u0101kajos gados, k\u0101 ar\u012b tas, vai izv\u0113l\u0113tais \u012bpa\u0161ums atbild\u012bs j\u016bsu vajadz\u012bb\u0101m ar\u012b p\u0113c da\u017eiem gadiem. Noder\u012bgi ir sal\u012bdzin\u0101t ar\u012b paredzamo kred\u012btmaks\u0101jumu ar l\u012bdzv\u0113rt\u012bga m\u0101jok\u013ca \u012bres maksu.<\/p>\n

Ja uz liel\u0101ko da\u013cu no tiem atbildat apstiprino\u0161i, iesp\u0113jams, esat gatavs spert n\u0101kamo soli ce\u013c\u0101 uz savu m\u0101jokli. N\u0101kamais solis ir atrast vietu un \u012bpa\u0161umu, kad tas paveikts, saruna ar banku pal\u012bdz\u0113s virz\u012bties t\u0101l\u0101k. Banka r\u016bp\u012bgi izv\u0113rt\u0113 katra cilv\u0113ka iesp\u0113jas aizdevumu atmaks\u0101t, tostarp vi\u0146a ien\u0101kumus, izv\u0113l\u0113to \u012bpa\u0161umu, apg\u0101d\u0101jamo skaitu, eso\u0161\u0101s kred\u012btsaist\u012bbas un citus faktorus, kas var\u0113tu ietekm\u0113t aizdevuma summu, pirm\u0101s iemaksas apm\u0113ru un procentu likmi. \u201cKatra situ\u0101cija ir individu\u0101la, t\u0101p\u0113c ieteicams v\u0113rsties bank\u0101, lai sa\u0146emtu konsult\u0101ciju un izprastu visus ar kred\u012bt\u0146em\u0161anu saist\u012btos jaut\u0101jumus,\u201d iesaka eksperts. V\u0113rts atcer\u0113ties ar\u012b par Altum atbalstu \u2013 jaun\u0101m \u0123imen\u0113m un speci\u0101listiem ir iesp\u0113ja sa\u0146emt atvieglojumus pirmajai iemaksai m\u0101jok\u013ca ieg\u0101dei.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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www.luminor.lv\u00a0<\/div>\n<\/section>\n
\n

Pied\u0101v\u0101jumi no REALAT<\/h2>
\"Telpas\"Telpas
<\/div>
EUR255.42<\/span><\/div>
Iz\u012br\u0113 \/ iznom\u0101<\/div>

Telpas | Biroji<\/h3>
Elizabetes iela, R\u012bga, <\/div><\/div><\/a><\/div>
\"M\u0101jas\"M\u0101jas
<\/div>
EUR1,400<\/span><\/div>
Iz\u012br\u0113 \/ iznom\u0101<\/div>

M\u0101jas | Priv\u0101tm\u0101ja<\/h3>
Bern\u0101tu iela, J\u016brmala, <\/div><\/div><\/a><\/div>
\"Telpas\"Telpas
<\/div>
EUR1,360<\/span><\/div>
Iz\u012br\u0113 \/ iznom\u0101<\/div>

Telpas | Ra\u017eo\u0161anas telpas<\/h3>
A7, Bauska un raj., <\/div><\/div><\/a><\/div><\/div><\/div\"><\/div>\n

Atsauksmes no m\u016bsu klientiem<\/h2>
<\/div>
  1. <\/li>
  2. <\/li>
  3. <\/li><\/ol>
    \"Ilze<\/div>
    Esmu saj\u016bsm\u0101 par Elvja darbu. M\u0113s mekl\u0113j\u0101m uz \u012bri dz\u012bvokli. Un vienlaic\u012bgi p\u0101rdev\u0101m m\u0101ju, t\u0101d\u0113\u013c mums pa\u0161iem nebija skaidrs, kur\u0101 datum\u0101 var\u0113sim iev\u0101kties dz\u012bvokl\u012b. Elvis organiz\u0113ja sadarb\u012bbu, lai mums abpus\u0113ji b\u016btu mierpilna saj\u016bta. Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Ilze Usacka<\/div><\/div><\/div>
    \"Benita<\/div>
    Liels paldies m\u0101klerei Lienei par profesion\u0101lu darbu, paldies, ka biji tik atsauc\u012bga, pretimn\u0101ko\u0161a un gandr\u012bz visu, izdariji man\u0101 viet\u0101! Liene, Tu esi lab\u0101k\u0101! Benita Spalvi\u0146a Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Benita Spalvi\u0146a<\/div><\/div><\/div>
    \"Renata\"<\/div>
    REALAT, Liels paldies, ka pal\u012bdz\u0113j\u0101t maniem vec\u0101kiem no\u012br\u0113t dz\u012bvokli Jugl\u0101. Es augsti v\u0113rt\u0113ju J\u016bsu lielo darbu. Es nov\u0113lu Jums Priec\u012bgus Ziemassv\u0113tkus un laim\u012bgu Jauno gadu! Las\u012bt vair\u0101k<\/a><\/strong><\/div>
    Renata<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>\n

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

    \u012ar\u0113t vai ieg\u0101d\u0101ties savu m\u0101jokli \u2013 \u0161is jaut\u0101jums ir aktu\u0101ls daudziem, \u012bpa\u0161i br\u012bd\u012b, kad ikm\u0113ne\u0161a \u012bres maksa pieaug un tuvojas potenci\u0101lajam kred\u012btmaks\u0101juma apm\u0113ram. Tom\u0113r finansi\u0101lais sal\u012bdzin\u0101jums ir tikai viena da\u013ca… <\/p>\n","protected":false},"author":223336,"featured_media":2049369,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2049368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zina"],"yoast_head":"\nPirkt vai \u012br\u0113t m\u0101jokli? Kas j\u0101\u0146em v\u0113r\u0101, pie\u0146emot l\u0113mumu - REALAT.lv<\/title>\n<meta name=\"description\" content=\"\u012ar\u0113t vai ieg\u0101d\u0101ties savu m\u0101jokli \u2013 \u0161is jaut\u0101jums ir aktu\u0101ls daudziem, \u012bpa\u0161i br\u012bd\u012b, kad ikm\u0113ne\u0161a \u012bres maksa pieaug un tuvojas potenci\u0101lajam kred\u012btmaks\u0101juma apm\u0113ram. Tom\u0113r finansi\u0101lais sal\u012bdzin\u0101jums ir tikai viena da\u013ca no l\u0113muma. Kas j\u0101\u0146em v\u0113r\u0101, izv\u0113loties starp m\u0101jok\u013ca ieg\u0101di un \u012bri, skaidro Kaspars Luka\u010dovs, Luminor bankas priv\u0101tpersonu kredit\u0113\u0161anas vad\u012bt\u0101js.\" \/>\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=\"Pirkt vai \u012br\u0113t m\u0101jokli? Kas j\u0101\u0146em v\u0113r\u0101, pie\u0146emot l\u0113mumu - REALAT.lv\" \/>\n<meta name=\"twitter:description\" content=\"\u012ar\u0113t vai ieg\u0101d\u0101ties savu m\u0101jokli \u2013 \u0161is jaut\u0101jums ir aktu\u0101ls daudziem, \u012bpa\u0161i br\u012bd\u012b, kad ikm\u0113ne\u0161a \u012bres maksa pieaug un tuvojas potenci\u0101lajam kred\u012btmaks\u0101juma apm\u0113ram. Tom\u0113r finansi\u0101lais sal\u012bdzin\u0101jums ir tikai viena da\u013ca no l\u0113muma. Kas j\u0101\u0146em v\u0113r\u0101, izv\u0113loties starp m\u0101jok\u013ca ieg\u0101di un \u012bri, skaidro Kaspars Luka\u010dovs, Luminor bankas priv\u0101tpersonu kredit\u0113\u0161anas vad\u012bt\u0101js.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.realat.lv\/wp-content\/uploads\/2026\/08\/Realat-nekustamie-ipasumi-perk-pardod.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=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/pirkt-vai-iret-majokli-kas-janem-vera-pienemot-lemumu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.realat.lv\\\/lv\\\/zina\\\/pirkt-vai-iret-majokli-kas-janem-vera-pienemot-lemumu\\\/\"},\"author\":{\"name\":\"Renate\",\"@id\":\"https:\\\/\\\/www.realat.lv\\\/en\\\/#\\\/schema\\\/person\\\/ce19012f9abda33dfb93e28e1f641989\"},\"headline\":\"Pirkt vai \u012br\u0113t m\u0101jokli? 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