{"id":792,"date":"2023-05-14T18:27:15","date_gmt":"2023-05-14T16:27:15","guid":{"rendered":"https:\/\/regbu.com\/?p=792"},"modified":"2025-09-05T07:42:36","modified_gmt":"2025-09-05T05:42:36","slug":"hypotecni-uver-vs-uver-ze-stavebniho-sporeni","status":"publish","type":"post","link":"https:\/\/regbu.com\/lv\/hipotekarais-kredits-un-kredits-no-buvniecibas-risinajumiem\/","title":{"rendered":"Hipotek\u0101rais kred\u012bts vs. aizdevums no celtniec\u012bbas sabiedr\u012bbas"},"content":{"rendered":"<p>Hipotek\u0101rais kred\u012bts un aizdevums b\u016bvsabiedr\u012bbai ir finan\u0161u produkti, kas saist\u012bti ar nekustam\u0101 \u012bpa\u0161uma ieg\u0101di. Dz\u012bvok\u013ci, m\u0101jas un apb\u016bves gabali ir interesanti <a href=\"https:\/\/regbu.com\/lv\/investiciju-iespejas-ir-daudz-bagatas\/\"><strong>ieguld\u012bjumu iesp\u0113jas<\/strong><\/a>. Ja sap\u0146ojat par savu m\u0101jokli, bet jums nav pietiekami daudz naudas, pamat\u0101 jums ir tr\u012bs iesp\u0113jas, kuras s\u012bk\u0101k apl\u016bkosim turpm\u0101kaj\u0101s rind\u0101s.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hipotek\u0101rais aizdevums<\/li>\n\n\n\n<li>P\u0101rmitin\u0101\u0161anas aizdevums<\/li>\n\n\n\n<li>Pien\u0101c\u012bgs kred\u012bts no b\u016bvsabiedr\u012bbas<\/li>\n<\/ul>\n\n\n\n<p>Ar \u0161o aizdevumu produktu pal\u012bdz\u012bbu j\u016bs varat finans\u0113t ne tikai \u012bpa\u0161uma ieg\u0101di. Ir pieejami ar\u012b daudzi citi risin\u0101jumi. <strong>rekonstrukcija un moderniz\u0101cija<\/strong>. Piln\u012bga \u0123imenes m\u0101jas b\u016bvniec\u012bba un laul\u0101to mantisko attiec\u012bbu k\u0101rto\u0161ana ir atsevi\u0161\u0137a noda\u013ca.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hipot\u0113ku pieejam\u012bba pasliktin\u0101s<\/h2>\n\n\n\n<p>Vispirms apl\u016bkosim nekustam\u0101 \u012bpa\u0161uma finans\u0113\u0161anu nedaudz visp\u0101r\u012bg\u0101k. Hipotek\u0101ro kred\u012btu bums ac\u012bmredzami ir saist\u012bts ar laika grafiku. Pietiek paskat\u012bties uz iepriek\u0161\u0113jiem gadiem un nekustam\u0101 \u012bpa\u0161uma cenu att\u012bst\u012bbu, kas saist\u012bta ar\u012b ar procentu likmju att\u012bst\u012bbu un potenci\u0101lo klientu interesi. Piem\u0113ram, m\u0113s varam apl\u016bkot v\u0113sturiskos datus, kas saist\u012bti ar iepriek\u0161\u0113jiem gadiem \u010cehij\u0101.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Gads<\/strong><\/td><td><strong>Procentu likme<\/strong><\/td><\/tr><tr><td>2005<\/td><td>4,25 %<\/td><\/tr><tr><td>2009<\/td><td>5,56 %<\/td><\/tr><tr><td>2016<\/td><td>2,13 %<\/td><\/tr><tr><td>2022<\/td><td>4,88 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">K\u0101 p\u0113d\u0113jos gados \u010cehij\u0101 ir main\u012bju\u0161\u0101s hipotek\u0101ro kred\u012btu procentu likmes?<\/figcaption><\/figure>\n\n\n\n<p>Aizdevums no b\u016bvsabiedr\u012bbas parasti <em>procentu likmes zi\u0146\u0101 konkur\u0113 ar hipotek\u0101ro aizdevumu.<\/em>. J\u016bs noteikti nevarat sagaid\u012bt lielas at\u0161\u0137ir\u012bbas. T\u0101s ir vair\u0101k saist\u012btas ar pa\u0161iem produktiem. Katram no tiem ir zin\u0101mas priek\u0161roc\u012bbas un tr\u016bkumi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bankas hipotek\u0101rais aizdevums<\/h3>\n\n\n\n<p>\u0160aj\u0101 rakst\u0101 m\u0113s piev\u0113rs\u012bsimies hipotek\u0101rajam kred\u012btam, ko izsniedz banku iest\u0101de. Protams, tirg\u016b ir ar\u012b nebanku uz\u0146\u0113mumi, kas pied\u0101v\u0101 liel\u0101kas naudas summas. Tom\u0113r tie parasti ir saist\u012bti ar augst\u0101m procentu likm\u0113m un neizdev\u012bgiem atmaksas termi\u0146iem.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Kr\u0101jaizdevu sabiedr\u012bbas aizdevumus izsniedz kr\u0101jaizdevu sabiedr\u012bbas, un tie ir viens no domin\u0113jo\u0161ajiem produktiem kr\u0101jaizdevu sabiedr\u012bbu portfel\u012b. <\/p>\n<cite>Barbara S., bankas darbiniece.<\/cite><\/blockquote>\n\n\n\n<p>\u0160\u012b raksta ievad\u0101 min\u0113tais pagaidu aizdevums ir cie\u0161i saist\u012bts ar parasto aizdevumu no b\u016bvsabiedr\u012bbas. <strong>T\u0101p\u0113c tas ietilpst kr\u0101jbanku produktu kl\u0101st\u0101.<\/strong>. Bet vair\u0101k par to n\u0101kamaj\u0101s rind\u0101s.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg\" alt=\"\" class=\"wp-image-794\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Naudu no hipotek\u0101r\u0101 kred\u012bta var izmantot galvenok\u0101rt \u0123imenes \u012bpa\u0161uma finans\u0113\u0161anai.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hipotek\u0101rais kred\u012bts un viss par to<\/h2>\n\n\n\n<p>Hipotek\u0101rais aizdevums, iesp\u0113jams, nav detaliz\u0113ti j\u0101iepaz\u012bstina. Tom\u0113r tiem, kas ar to ir maz\u0101k paz\u012bstami, pied\u0101v\u0101jam \u012bsu defin\u012bciju. Tas ir ilgtermi\u0146a aizdevuma veids, kas ietver nekustam\u0101 \u012bpa\u0161uma hipot\u0113ku. Parasti tas ir finans\u0113jamais \u012bpa\u0161ums, ta\u010du iz\u0146\u0113mums nav ar\u012b tre\u0161o personu \u012bpa\u0161umi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012apa\u0161uma v\u0113rt\u012bbai j\u0101sakr\u012bt ar hipotek\u0101r\u0101 kred\u012bta summu.<\/li>\n\n\n\n<li>Var garant\u0113t vair\u0101ku veidu \u012bpa\u0161umu.<\/li>\n\n\n\n<li>Tre\u0161o personu gad\u012bjum\u0101 ir nepiecie\u0161ama vi\u0146u piekri\u0161ana.<\/li>\n<\/ul>\n\n\n\n<p>Ja k\u0101ds cits garant\u0113s \u012bpa\u0161umu, ko p\u0113rkat, <em>vi\u0146am tiek nodotas ar j\u016bsu maks\u0101tnesp\u0113ju saist\u012bt\u0101s saist\u012bbas.<\/em>. Tas noz\u012bm\u0113, ka, ja j\u016bs savlaic\u012bgi nemaks\u0101jat hipotek\u0101ro kred\u012btu, probl\u0113mas var rasties tre\u0161ajai pusei.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotek\u0101r\u0101 aizdevuma priek\u0161roc\u012bbas<\/h3>\n\n\n\n<p>Vispirms piev\u0113rs\u012bsimies tam, k\u0101di plusi j\u016bs p\u0101rsteigs ar hipotek\u0101ro kred\u012btu. \u0160\u012b aizdevuma produkta pozit\u012bvo iez\u012bmju ir vair\u0101k nek\u0101 pietiekami. Ja s\u0101ksim no pa\u0161a s\u0101kuma, tad b\u016bt\u012bb\u0101 tas ir viens no vienk\u0101r\u0161\u0101kajiem un pieejam\u0101kajiem aizdevumiem, kas piem\u0113rots jebkura veida \u012bpa\u0161uma ieg\u0101dei.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Temats<\/strong><\/td><td><strong>V\u0113rt\u012bba<\/strong><\/td><\/tr><tr><td>Ieguld\u012bjuma \u012bpa\u0161ums<\/td><td>J\u0101<\/td><\/tr><tr><td>Uz\u0146\u0113m\u0113jdarb\u012bbas \u012bpa\u0161ums<\/td><td>J\u0101<\/td><\/tr><tr><td>\u012apa\u0161ums j\u016bsu \u012bpa\u0161um\u0101<\/td><td>J\u0101<\/td><\/tr><tr><td>Fiks\u0101cijas laiks<\/td><td>Viens l\u012bdz vair\u0101ki gadi<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Vai zin\u0101t, kam varat izmantot hipotek\u0101r\u0101 kred\u012bta naudu?<\/figcaption><\/figure>\n\n\n\n<p>T\u0101d\u0113j\u0101di hipotek\u0101rais kred\u012bts galvenok\u0101rt ir paredz\u0113ts \u0123imenes un atp\u016btas \u012bpa\u0161umu ieg\u0101dei. Uz\u0146\u0113m\u0113jdarb\u012bbas \u012bpa\u0161umu ieg\u0101dei j\u0101izv\u0113las nedaudz modific\u0113ts hipotek\u0101rais kred\u012bts. Kas attiecas uz fiks\u0101cijas periodu, tas ir nodro\u0161in\u0101jums fiks\u0113tas procentu likmes veid\u0101 uz visu t\u0101 darb\u012bbas laiku. Tas var ilgt vienu gadu, tr\u012bs gadus, piecus gadus vai ilg\u0101k.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hipot\u0113kas tr\u016bkumi<\/h3>\n\n\n\n<p>Tas, kas ir izdev\u012bgi vienam, var neb\u016bt izdev\u012bgi otram. T\u0101p\u0113c jums j\u0101zina ar\u012b negat\u012bv\u0101s puses, kas saist\u012btas ar hipotek\u0101ro kred\u012btu. <strong>Piem\u0113ram, jums ir j\u0101\u0146em v\u0113r\u0101 kred\u012btsaist\u012bbas uz sal\u012bdzino\u0161i ilgu laiku.<\/strong>. P\u0113d\u0113jie visbie\u017e\u0101k ir vecum\u0101 no divdesmit l\u012bdz tr\u012bsdesmit gadiem. Esiet gatavi, ka administrat\u012bvais process b\u016bs nedaudz ilg\u0101ks.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Lai sa\u0146emtu hipotek\u0101ro kred\u012btu, jums ir j\u0101b\u016bt uzkr\u0101tai atbilsto\u0161ai summai. Parasti t\u0101 ir aptuveni 20 % no \u012bpa\u0161uma v\u0113rt\u012bbas.<\/p>\n<cite>Olivia S., bankas darbiniece.<\/cite><\/blockquote>\n\n\n\n<p>Atkar\u012bb\u0101 no t\u0101, k\u0101du hipotek\u0101ro kred\u012btu izv\u0113laties, jums j\u0101\u0146em v\u0113r\u0101 ar\u012b ar \u0161o produktu saist\u012bt\u0101s komisijas maksas. Vienlaikus \u0146emiet v\u0113r\u0101, ka ne katrs \u012bpa\u0161ums ir piem\u0113rots hipotek\u0101rajam kred\u012btam.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg\" alt=\"\" class=\"wp-image-795\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-768x432.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Ja j\u016bs interes\u0113 hipotek\u0101rais kred\u012bts, jums j\u0101dodas uz banku.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Building Savings Loan<\/h2>\n\n\n\n<p>Un kas ir liel\u0101kais hipotek\u0101r\u0101 aizdevuma konkurents? Tas ir b\u016bvuz\u0146\u0113muma kred\u012bts. K\u0101 jau liecina nosaukums, tas ir aizdevums no celtniec\u012bbas sabiedr\u012bbas, no kuras j\u016bs p\u0113c tam varat sa\u0146emt sev v\u0113lamo aizdevumu. Tom\u0113r jums ir j\u0101b\u016bt iekr\u0101jis atbilsto\u0161u naudas summu. Taj\u0101 pa\u0161\u0101 laik\u0101 jums k\u0101du laiku ir j\u0101veic uzkr\u0101jumi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uzkr\u0101jumu periods vismaz 2 gadi<\/li>\n\n\n\n<li>Ietaup\u012bt\u0101 summa 30 l\u012bdz 60 %<\/li>\n\n\n\n<li>P\u0101rmitin\u0101\u0161anas aizdevums<\/li>\n<\/ul>\n\n\n\n<p>Tas ir starpposma aizdevums, ko var sa\u0146emt, ja <em>j\u016bs nevarat sa\u0146emt parastu aizdevumu no celtniec\u012bbas sabiedr\u012bbas, pamatojoties uz nosac\u012bjumiem.<\/em>. Tom\u0113r ar to ir saist\u012bti ar\u012b da\u017ei tr\u016bkumi, kas tiks apl\u016bkoti turpm\u0101kaj\u0101s noda\u013c\u0101s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u016bvkomp\u0101nijas aizdevuma priek\u0161roc\u012bbas<\/h2>\n\n\n\n<p>S\u0101ksim atkal ar pozit\u012bvo, proti, ar to, ko pied\u0101v\u0101 b\u016bvuz\u0146\u0113muma kred\u012bts. Da\u017e\u0101s jom\u0101s tas pat p\u0101rsp\u0113j hipotek\u0101ro kred\u012btu. Piem\u0113ram, ja summa ir maz\u0101ka, j\u016bs varat izvair\u012bties no nepiecie\u0161am\u012bbas garant\u0113t \u012bpa\u0161umu vai atrast galvot\u0101ju. Liel\u0101k\u0101m summ\u0101m, protams, ir j\u0101garant\u0113 t\u0101pat k\u0101 hipotek\u0101rajam kred\u012btam.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Temats<\/strong><\/td><td><strong>V\u0113rt\u012bba<\/strong><\/td><\/tr><tr><td>Procentu likme<\/td><td>Tas pats visam termi\u0146a periodam<\/td><\/tr><tr><td>Termi\u0146\u0161<\/td><td>L\u012bdz 30 gadiem<\/td><\/tr><tr><td>Uzkr\u0101jumi<\/td><td>Valsts atbalsts un procentu likmes<\/td><\/tr><tr><td>Alternat\u012bva<\/td><td>P\u0101rmitin\u0101\u0161anas aizdevums<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">B\u016bvkomp\u0101niju aizdevumam ir daudz interesantu priek\u0161roc\u012bbu un ieguvumu.<\/figcaption><\/figure>\n\n\n\n<p>J\u0101atz\u012bm\u0113 ar\u012b tas, ka, piesakoties hipotek\u0101rajam kred\u012btam, tiek \u0146emti v\u0113r\u0101 uzkr\u0101tie un uzkr\u0101jum\u0101 uzkr\u0101tie l\u012bdzek\u013ci. T\u0101d\u0113j\u0101di \u0161ie divi produkti da\u017e\u0101s jom\u0101s ir savstarp\u0113ji saist\u012bti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">K\u0101p\u0113c t\u0101 viet\u0101 izv\u0113l\u0113ties hipotek\u0101ro aizdevumu?<\/h3>\n\n\n\n<p>Un tagad negat\u012bvie t\u0101 pied\u0101v\u0101 <strong>aizdevums no celtniec\u012bbas sabiedr\u012bbas<\/strong>. Parasti tas ir saist\u012bts ar augst\u0101k\u0101m procentu likm\u0113m, un tas divtik attiecas uz pagaidu aizdevumu. T\u0101 gad\u012bjum\u0101 j\u016bs b\u016bt\u012bb\u0101 maks\u0101jat procentus, l\u012bdz izpild\u0101t parast\u0101 aizdevuma nosac\u012bjumus.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>B\u016bvniec\u012bbas uzkr\u0101juma aizdevuma ietvaros klientiem tiek pie\u0161\u0137irtas maz\u0101kas summas nek\u0101 hipotek\u0101r\u0101 kred\u012bta gad\u012bjum\u0101. <\/p>\n<cite>Madison L., bankas darbinieks.<\/cite><\/blockquote>\n\n\n\n<p>Turkl\u0101t da\u017eas kr\u0101jaizdevu sabiedr\u012bbas piespie\u017e j\u016bs sa\u0146emt atbilsto\u0161u aizdevumu no kr\u0101jaizdevu sabiedr\u012bbas, nosl\u0113dzot l\u012bgumu par citu kr\u0101jaizdevu sabiedr\u012bbas produktu. J\u0101\u0146em v\u0113r\u0101 ar\u012b tas, ka tas ir m\u0113r\u0137a aizdevums, kur jums j\u0101pier\u0101da, k\u0101 esat finans\u0113jis l\u012bdzek\u013cus.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg\" alt=\"\" class=\"wp-image-796\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-768x435.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">B\u016bvkomp\u0101nijas aizdevumam un hipotek\u0101rajam kred\u012btam ir viens un tas pats m\u0113r\u0137is - ieg\u016bt \u012bpa\u0161um\u0101 m\u0101jokli.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hipotek\u0101rais kred\u012bts vai aizdevums b\u016bvvald\u0113?<\/h2>\n\n\n\n<p>Jaut\u0101jums, uz kuru, iesp\u0113jams, nevar sniegt viennoz\u012bm\u012bgu atbildi. Katram no mums ir nedaudz at\u0161\u0137ir\u012bgas vajadz\u012bbas attiec\u012bb\u0101 uz ieguld\u012bjumiem \u012bpa\u0161um\u0101. Turkl\u0101t daudziem no mums ir at\u0161\u0137ir\u012bgi dz\u012bves un finansi\u0101lie apst\u0101k\u013ci. <em>Da\u017eiem b\u016bs piem\u0113rots hipotek\u0101rais kred\u012bts, citiem - atbilsto\u0161s aizdevums no celtniec\u012bbas sabiedr\u012bbas.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jaut\u0101jumi un atbildes<\/h3>\n\n\n\n<p>Ja joproj\u0101m neesat p\u0101rliecin\u0101ts, kur\u0161 kred\u012bta produkts ir piem\u0113rots tie\u0161i jums, lai finans\u0113tu savu \u012bpa\u0161umu, izlasiet turpm\u0101k\u0101s rindas. Bie\u017e\u0101k uzdotie jaut\u0101jumi un atbildes var jums sniegt inform\u0101ciju, kas jums j\u0101zina, un atvieglot l\u0113muma pie\u0146em\u0161anu.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684254062915\"><strong class=\"schema-faq-question\">K\u0101diem m\u0113r\u0137iem es varu izmantot b\u016bvuz\u0146\u0113muma aizdevumu?<\/strong> <p class=\"schema-faq-answer\">To var izmantot, lai finans\u0113tu zemes ieg\u0101di, m\u0101jas b\u016bvniec\u012bbu, \u012bpa\u0161uma ieg\u0101di, k\u0101 ar\u012b rekonstrukciju vai mantojuma lietu k\u0101rto\u0161anu.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">K\u0101da ir m\u0113r\u0137a summa aizdevumam no celtniec\u012bbas sabiedr\u012bbas?<\/strong> <p class=\"schema-faq-answer\">Parakstot l\u012bgumu, j\u016bs nosak\u0101t m\u0113r\u0137a summu. Tad jums ir j\u0101saglab\u0101 vismaz 30 l\u012bdz 50 %. Atliku\u0161o summu kr\u0101jbanka jums aizdos k\u0101 parastu aizdevumu.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">Vai hipotek\u0101rajam kred\u012btam ir k\u0101das papildu maksas?<\/strong> <p class=\"schema-faq-answer\">J\u0101, var b\u016bt j\u0101maks\u0101 hipotek\u0101r\u0101 kred\u012bta noform\u0113\u0161anas maksa. \u012apa\u0161uma nov\u0113rt\u0113jums nav iz\u0146\u0113mums. Bankas ar\u012b pieprasa, lai j\u016bs apdro\u0161in\u0101tos pret saist\u012bbu neizpildi.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">Vai ir iesp\u0113jams pirms termi\u0146a atmaks\u0101t hipot\u0113ku vai aizdevumu no b\u016bvsabiedr\u012bbas?<\/strong> <p class=\"schema-faq-answer\">J\u0101, jums ir \u0161\u0101da iesp\u0113ja. Tom\u0113r hipotek\u0101r\u0101 kred\u012bta gad\u012bjum\u0101 parasti ir v\u0113rts to dar\u012bt fiks\u0101cijas perioda beig\u0101s. Pret\u0113j\u0101 gad\u012bjum\u0101 j\u016bs varat maks\u0101t papildu soda naudu.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Vai \u0161os produktus var izmantot ar\u012b veco aizdevumu refinans\u0113\u0161anai?<\/strong> <p class=\"schema-faq-answer\">J\u0101, hipotek\u0101rais kred\u012bts un aizdevums no celtniec\u012bbas sabiedr\u012bbas var kalpot \u0161iem m\u0113r\u0137iem. Ta\u010du s\u0101kotn\u0113jiem aizdevumiem j\u0101b\u016bt m\u0101jok\u013ca finans\u0113\u0161anai.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hipotek\u0101rais kred\u012bts un m\u0101jok\u013ca \u012bpa\u0161umties\u012bbas<\/h3>\n\n\n\n<p>Neatkar\u012bgi no t\u0101, vai izv\u0113laties hipotek\u0101ro kred\u012btu vai aizdevumu no celtniec\u012bbas sabiedr\u012bbas, m\u0113\u0123iniet ne\u0137erties pie pirm\u0101 pied\u0101v\u0101juma. \u0160o pakalpojumu sniedz\u0113ju ir vair\u0101k nek\u0101 pietiekami. T\u0101p\u0113c ir v\u0113rts <strong>sal\u012bdzin\u0101t atsevi\u0161\u0137us produktus<\/strong> un izv\u0113lieties sav\u0101m vajadz\u012bb\u0101m piem\u0113rot\u0101ko un izdev\u012bg\u0101ko. Hipotek\u0101ro kred\u012btu izmaksas var b\u016bt diezgan at\u0161\u0137ir\u012bgas.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hipotek\u0101rais kred\u012bts un aizdevums b\u016bvsabiedr\u012bbai ir finan\u0161u produkti, kas saist\u012bti ar nekustam\u0101 \u012bpa\u0161uma ieg\u0101di. Dz\u012bvok\u013ci, m\u0101jas un apb\u016bves zeme ir interesantas ieguld\u012bjumu iesp\u0113jas. Ja sap\u0146ojat par savu m\u0101jokli, bet jums nav pietiekami daudz naudas, pamat\u0101 jums ir tr\u012bs iesp\u0113jas, kuras s\u012bk\u0101k apl\u016bkosim turpm\u0101kaj\u0101s rind\u0101s. Ar \u0161o aizdevumu pal\u012bdz\u012bbu ... <\/p>","protected":false},"author":2,"featured_media":793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[624,625,626,596,633,631,630,627,629,628],"class_list":["post-792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypotecni-uver","tag-hypoteka","tag-hypoteky","tag-nemovitost","tag-pozemek","tag-preklenovaci-uver","tag-stavebni-sporeni","tag-uver","tag-uver-ze-stavebniho-sporeni","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. 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Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.\",\"inLanguage\":\"lv-LV\"},\"inLanguage\":\"lv-LV\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254086967\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254086967\",\"name\":\"Je hypot\u00e9\u010dn\u00ed \u00fav\u011br spjat s n\u011bjak\u00fdmi poplatky nav\u00edc?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.\",\"inLanguage\":\"lv-LV\"},\"inLanguage\":\"lv-LV\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254095838\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254095838\",\"name\":\"Je mo\u017en\u00e9 doplatit hypot\u00e9ku nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed d\u0159\u00edve?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete platit sank\u010dn\u00ed poplatky nav\u00edc.\",\"inLanguage\":\"lv-LV\"},\"inLanguage\":\"lv-LV\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254104486\",\"position\":5,\"url\":\"https:\\\/\\\/regbu.com\\\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\\\/#faq-question-1684254104486\",\"name\":\"Lze t\u011bmito produkty tak\u00e9 refinancovat star\u00e9 p\u016fj\u010dky?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed mohou poslou\u017eit k t\u011bmto \u00fa\u010del\u016fm. 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Vai j\u016bs zin\u0101t, k\u0101das ir at\u0161\u0137ir\u012bbas starp abiem aizdevumiem?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/lv\/hipotekarais-kredits-un-kredits-no-buvniecibas-risinajumiem\/","og_locale":"lv_LV","og_type":"article","og_title":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM","og_description":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. Alternativou je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. 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Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.","inLanguage":"lv-LV"},"inLanguage":"lv-LV"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","position":3,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","name":"Vai hipotek\u0101rajam kred\u012btam ir k\u0101das papildu maksas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.","inLanguage":"lv-LV"},"inLanguage":"lv-LV"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","position":4,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","name":"Vai ir iesp\u0113jams pirms termi\u0146a atmaks\u0101t hipot\u0113ku vai aizdevumu no b\u016bvsabiedr\u012bbas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. 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