{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/lv\/refinansesanas-un-konsolidacijas-aizdevumi\/","title":{"rendered":"Refinans\u0113\u0161ana pret aizdevumu konsolid\u0101ciju"},"content":{"rendered":"<p>Refinans\u0113\u0161ana ir j\u0113dziens, kas ir cie\u0161i saist\u012bts ar, piem\u0113ram.\u00a0<strong><a href=\"https:\/\/regbu.com\/lv\/american-hypotheque-from-classic-lissa\/\">Amerik\u0101\u0146u hipot\u0113ka<\/a><\/strong>, parastajiem hipotek\u0101rajiem kred\u012btiem, pat\u0113ri\u0146a kred\u012btiem un citiem aizdevumu veidiem. \u0160\u0101 finan\u0161u produkta konkurents ir aizdevumu konsolid\u0101cija. Abiem ir viens svar\u012bgs m\u0113r\u0137is.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ikm\u0113ne\u0161a maks\u0101jumu samazin\u0101\u0161ana<\/li>\n\n\n\n<li>Zem\u0101ki procenti<\/li>\n\n\n\n<li>Izmaksu samazin\u0101\u0161ana<\/li>\n<\/ul>\n\n\n\n<p>Tom\u0113r ir svar\u012bgi zin\u0101t, k\u0101di ir <em>at\u0161\u0137ir\u012bbas starp abiem variantiem<\/em>. Katram no tiem ir ne tikai at\u0161\u0137ir\u012bga noz\u012bme. T\u0101m ir ar\u012b noteikti plusi un m\u012bnusi. Par to m\u0113s j\u016bs p\u0101rliecin\u0101sim turpm\u0101kaj\u0101s rind\u0101s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas ir aizdevuma refinans\u0113\u0161ana?<\/h2>\n\n\n\n<p>Kad j\u016bs sak\u0101t <strong>aizdevuma refinans\u0113\u0161ana<\/strong>...j\u016bs varat iedom\u0101ties tikai vienu lietu. Vienk\u0101r\u0161oti run\u0101jot, vecais aizdevums tiek aizst\u0101ts ar jaunu. Tas b\u016bs ar lab\u0101kiem kred\u012bta nosac\u012bjumiem. Tas noz\u012bm\u0113, ka tam ir zem\u0101ka procentu likme vai tas pied\u0101v\u0101 kaut ko papildu. T\u0101p\u0113c j\u016bs veiksiet \u0161o soli ar izredz\u0113m ietaup\u012bt naudu. Taj\u0101 pa\u0161\u0101 laik\u0101 tas var k\u013c\u016bt par risin\u0101jumu, ja j\u016bs nesp\u0113jat atmaks\u0101t neizdev\u012bgos par\u0101dus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Aizdevumu konsolid\u0101cija un papildu inform\u0101cija<\/h3>\n\n\n\n<p>Konsolid\u0101cijas pamat\u0101 b\u016bt\u012bb\u0101 ir refinans\u0113\u0161ana. Tom\u0113r aiz \u0161\u012b termina sl\u0113pjas <strong>apvieno\u0161an\u0101s vai, ja v\u0113laties, apvieno\u0161an\u0101s.<\/strong>. Vienlaikus tiek apvienoti vair\u0101ki aizdevumi. Tie faktiski tiek aizst\u0101ti ar vienu. Par abu risin\u0101jumu priek\u0161roc\u012bb\u0101m uzzin\u0101siet no turpm\u0101k sniegtaj\u0101m rindi\u0146\u0101m.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">K\u0101dus produktus var konsolid\u0113t?<\/strong> <p class=\"schema-faq-answer\">Tie var b\u016bt nebanku aizdevumi, pat\u0113ri\u0146a kred\u012bti, p\u0101rsnieguma kred\u012bti un kred\u012btkartes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Vai es varu samazin\u0101t savu ikm\u0113ne\u0161a maks\u0101jumu, veicot refinans\u0113\u0161anu?<\/strong> <p class=\"schema-faq-answer\">J\u0101, pirmk\u0101rt un galvenok\u0101rt tas b\u016bs saist\u012bts ar izdev\u012bg\u0101ku procentu likmi. P\u0113c tam to var veicin\u0101t ar\u012b aizdevuma termi\u0146a pagarin\u0101jums.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Vai vienm\u0113r ir v\u0113rts veikt konsolid\u0101ciju?<\/strong> <p class=\"schema-faq-answer\">Tam t\u0101 nav j\u0101b\u016bt. Piem\u0113ram, ja vecajiem aizdevumiem ir augstas soda naudas par pirmstermi\u0146a atmaksu, tie nav t\u0101 v\u0113rti.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Vai ar \u0161iem produktiem var ieg\u016bt papildu naudu?<\/strong> <p class=\"schema-faq-answer\">J\u0101, gan konsolid\u0101cija, gan refinans\u0113\u0161ana var pal\u012bdz\u0113t jums ieg\u016bt papildu finans\u0113jumu. Jums tikai j\u0101b\u016bt pietiekami kred\u012btsp\u0113j\u012bgam klientam. Tas noz\u012bm\u0113, ka jaunajam aizdev\u0113jam ir j\u0101pier\u0101da sava kred\u012btsp\u0113ja.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Kur\u0161 pakalpojumu sniedz\u0113js pied\u0101v\u0101 konsolid\u0101ciju un refinans\u0113\u0161anu?<\/strong> <p class=\"schema-faq-answer\">\u0160\u0101dus aizdevumu produktus pa\u0161laik pied\u0101v\u0101 ne tikai banku iest\u0101des. J\u016bs varat izmantot ar\u012b nebanku sabiedr\u012bbu, kuras ir sa\u0146\u0113mu\u0161as CNB licenci, produktu pied\u0101v\u0101jumus.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Refinans\u0113\u0161ana ir j\u0113dziens, kas ir cie\u0161i saist\u012bts, piem\u0113ram, ar amerik\u0101\u0146u hipotek\u0101rajiem kred\u012btiem, parastajiem hipotek\u0101rajiem kred\u012btiem, pat\u0113ri\u0146a kred\u012btiem un citiem aizdevumu veidiem. \u0160\u012b finan\u0161u produkta konkurents ir aizdevumu konsolid\u0101cija. Abiem ir viens svar\u012bgs m\u0113r\u0137is. Tom\u0113r ir svar\u012bgi zin\u0101t abu iesp\u0113ju at\u0161\u0137ir\u012bbas. Katrai no t\u0101m ir ne tikai at\u0161\u0137ir\u012bga noz\u012bme. T\u0101s ir saist\u012btas ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? 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Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.\",\"inLanguage\":\"lv-LV\"},\"inLanguage\":\"lv-LV\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/lv\\\/refinansesanas-un-konsolidacijas-aizdevumi\\\/#faq-question-1691492609378\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/lv\\\/refinansesanas-un-konsolidacijas-aizdevumi\\\/#faq-question-1691492609378\",\"name\":\"Mohu d\u00edky t\u011bmto produkt\u016fm z\u00edskat pen\u00edze nav\u00edc?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. 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