{"id":19868,"date":"2023-01-09T09:13:41","date_gmt":"2023-01-09T07:13:41","guid":{"rendered":"https:\/\/zurnalsiepirkumi.lv\/?p=19868"},"modified":"2023-01-09T09:13:41","modified_gmt":"2023-01-09T07:13:41","slug":"nbs-karaviri-no-altum-vares-sanemt-atbalstu-majokla-iegadei","status":"publish","type":"post","link":"https:\/\/zurnalsiepirkumi.lv\/?p=19868","title":{"rendered":"NBS karav\u012bri no ALTUM var\u0113s sa\u0146emt atbalstu m\u0101jok\u013ca ieg\u0101dei"},"content":{"rendered":"\n<p>AS &#8220;Att\u012bst\u012bbas finan\u0161u instit\u016bcija Altum&#8221;<\/p>\n\n\n\n<p>No\u00a05. janv\u0101ra\u00a0Att\u012bst\u012bbas finan\u0161u instit\u016bcija ALTUM s\u0101k pie\u0161\u0137irt garantijas m\u0101jok\u013cu ieg\u0101dei Nacion\u0101lo bru\u0146oto sp\u0113ku (NBS) karav\u012briem.<\/p>\n\n\n\n<p>Aizsardz\u012bbas\u00a0ministrija un ALTUM\u00a0ir abpus\u0113ji vienoju\u0161ies par garantiju snieg\u0161anu NBS karav\u012briem banku aizdevumiem pirm\u0101s iemaksas veik\u0161anai m\u0101jok\u013ca ieg\u0101dei vai t\u0101 b\u016bvniec\u012bbai. Pirm\u0101 banka, kas s\u0101ks nodro\u0161in\u0101t kred\u012btus ar valsts garantij\u0101m, ir Swedbank. Tuv\u0101kaj\u0101 laik\u0101 programmai gatavojas pievienoties ar\u012b citas bankas, kuras str\u0101d\u0101 ar ALTUM\u00a0garantiju programm\u0101m. Klienti aicin\u0101ti interes\u0113ties sav\u0101s bank\u0101s.<\/p>\n\n\n\n<p>NBS karav\u012briem atbalsta programmas ietvaros b\u016bs pieejami aizdevumi nekustam\u0101 \u012bpa\u0161uma ieg\u0101dei l\u012bdz 250 000 EUR ar garantijas termi\u0146u l\u012bdz 10 gadiem. Savuk\u0101rt garantijas apm\u0113rs ir l\u012bdz 25% no aizdevuma pamatsummas &#8211; l\u012bdz 20 000 EUR apm\u0113r\u0101. Garantiju var\u0113s sa\u0146emt ar\u012b atk\u0101rtoti, ja b\u016bs pag\u0101ju\u0161i tr\u012bs gadi kop\u0161 iepriek\u0161 pie\u0161\u0137irt\u0101s garantijas un saist\u012bbas ir izbeigu\u0161\u0101s.<\/p>\n\n\n\n<p>\u201cKarav\u012bru atalgojumu veido pamatalgas un vair\u0101ku kompens\u0101ciju summa, t\u0101d\u0113\u013c l\u012bdz \u0161im karav\u012bri bank\u0101s nereti sa\u0146\u0113ma atteikumus hipotek\u0101ro kred\u012btu izsnieg\u0161anai. Pateicoties jaunajai ALTUM programmai, karav\u012briem b\u016bs vienl\u012bdz\u012bgas iesp\u0113jas sa\u0146emt kred\u012btu m\u0101jok\u013ca ieg\u0101dei,\u201d nor\u0101da Aizsardz\u012bbas ministrijas parlament\u0101rais sekret\u0101rs J\u0101nis Egl\u012bts.<\/p>\n\n\n\n<p>\u201cALTUM jau vair\u0101kk\u0101rt ir sniedzis atbalstu iedz\u012bvot\u0101jiem m\u0101jok\u013cu ieg\u0101dei. M\u0113s nodro\u0161in\u0101m garantijas pirm\u0101s iemaksas finans\u0113\u0161anai \u0123imen\u0113m ar b\u0113rniem, jaunajiem speci\u0101listiem, k\u0101 ar\u012b sniedzam pirm\u0101s iemaksas atbalsta grantus daudzb\u0113rnu \u0123imen\u0113m &#8220;Balsts&#8221;. \u0160\u012b b\u016bs jau ceturt\u0101 atbalsta programma sadarb\u012bb\u0101 ar bank\u0101m, \u0161oreiz atbalstu sniedzot Nacion\u0101lo bru\u0146oto sp\u0113ku karav\u012briem. L\u012bdz\u0161in\u0113jo programmu atbalsts ir noz\u012bm\u012bgs \u2013 jaunajos dar\u012bjumos vair\u0101k nek\u0101 puse no banku kred\u012btiem m\u0101jok\u013ciem ir izsniegti ar valsts atbalstu, proti, ar ALTUM garantij\u0101m,\u201d uzsver ALTUM m\u0101jok\u013cu garantiju vad\u012bt\u0101ja Jana Logina.<\/p>\n\n\n\n<p>Aiz\u0146\u0113m\u0113jiem, kas v\u0113las sa\u0146emt hipotek\u0101ro aizdevumu, kur\u0161 nodro\u0161in\u0101ts ar ALTUM m\u0101jok\u013cu garantiju, ir j\u0101iesniedz pieteikums k\u0101d\u0101 no bank\u0101m, ar kur\u0101m ALTUM ir nosl\u0113gts sadarb\u012bbas l\u012bgums. P\u0113c pieteikuma sa\u0146em\u0161anas banka p\u0101rliecin\u0101sies, ka aiz\u0146\u0113m\u0113js atbilst garantijas sa\u0146em\u0161anas nosac\u012bjumiem, izv\u0113rt\u0113s pieteikumu un lems par garantijas piesaisti. Banka ar\u012b sagatavos un iesniegs ALTUM garantijas pieteikumu.<\/p>\n\n\n\n<p>P\u0113c pieteikuma sa\u0146em\u0161anas ALTUM l\u012bdz 5 darba dienu laik\u0101 to izv\u0113rt\u0113s un pie\u0146ems l\u0113mumu par garantijas izsnieg\u0161anu vai atteikumu sniegt garantiju. Pazi\u0146ojumu par pie\u0146emto l\u0113mumu ALTUM nos\u016bt\u012bs bankai. P\u0113c ALTUM izrakst\u012bt\u0101 r\u0113\u0137ina apmaksas un kred\u012bta l\u012bguma sa\u0146em\u0161anas no bankas ALTUM kred\u012btiest\u0101dei izsniegs garantiju par aiz\u0146\u0113m\u0113jam pie\u0161\u0137irto m\u0101jok\u013ca aizdevumu, un kred\u012bta \u0146\u0113m\u0113jam tiks izmaks\u0101ts bankas aizdevums m\u0101jok\u013ca ieg\u0101dei vai b\u016bvniec\u012bbai. Process ir organiz\u0113ts t\u0101, ka karav\u012briem pa\u0161iem nav j\u0101dodas uz ALTUM, lai iesniegtu dokumentus.<\/p>\n\n\n\n<p>\u0160\u012b jau ir ceturt\u0101 ALTUM atbalsta programma m\u0101jok\u013cu ieg\u0101dei vai b\u016bvniec\u012bbai. Kop\u0161 2015. gada tiek izsniegtas garantijas \u0123imen\u0113m ar b\u0113rniem, bet kop\u0161 2018. gada &#8211; jaunajiem speci\u0101listiem.<\/p>\n\n\n\n<p>ALTUM l\u012bdz \u0161im ir izsniedzis 4158 garantijas jaunajiem speci\u0101listiem par 33 miljoniem EUR, kas \u013c\u0101va sa\u0146emt banku aizdevumus ar ALTUM garantiju 280 miljonu EUR apjom\u0101. 85,2% no izsniegtaj\u0101m garantij\u0101m ir \u0146\u0113mu\u0161i jaunie speci\u0101listi R\u012bg\u0101 un Pier\u012bg\u0101, kam\u0113r Zemgal\u0113 5,1%, Kurzem\u0113 4,7%, Vidzem\u0113 3,3%, bet Latgal\u0113 1,7%.<\/p>\n\n\n\n<p>Izsniegtas garantijas ar\u012b 24 t\u016bksto\u0161iem \u0123ime\u0146u, kur\u0101s aug 35 t\u016bksto\u0161i b\u0113rnu. Garantiju apjoms ir 190 miljoni EUR. Ar\u012b \u0123imenes ar b\u0113rniem sniegto atbalstu visakt\u012bv\u0101k izmantoju\u0161as R\u012bg\u0101 un Pier\u012bg\u0101 (77,9%). Kurzem\u0113 izsniegti 7,5% garantiju, Zemgal\u0113 7,3%, Vidzem\u0113 4,7%, bet Latgal\u0113 2,6%.<\/p>\n\n\n\n<p>ALTUM sniedz ar\u012b vienreiz\u0113ju subs\u012bdiju \u201cBalsts\u201d daudzb\u0113rnu \u0123imen\u0113m (\u0123imen\u0113 ir vismaz 3 b\u0113rni vai vismaz 2 b\u0113rni un tiek gaid\u012bts tre\u0161ais) bankas aizdevuma pirm\u0101s iemaksas samazin\u0101\u0161anai m\u0101jok\u013ca ieg\u0101dei vai b\u016bvniec\u012bbai. L\u012bdz \u0161im izmaks\u0101tas 920 subs\u012bdijas 7,6 miljonu EUR kopsumm\u0101, kas aiz\u0146\u0113m\u0113jiem ir \u013c\u0101vis sa\u0146emt banku aizdevumus 76,5 miljonu EUR apjom\u0101.<\/p>\n\n\n\n<p>M\u0101jok\u013cu ieg\u0101des garantiju piepras\u012bjums ir stabils, tikai 2021.gad\u0101 tas bija nedaudz palielin\u0101j\u0101s, kas skaidrojams ar sa\u0146em\u0161anas nosac\u012bjumu papla\u0161in\u0101\u0161anu (maksim\u0101l\u0101s summas palielin\u0101jums, var pieteikties gr\u016btniec\u012bbas laik\u0101, var pieteikties atk\u0101rtoti u.c.). Neraugoties uz energoresursu cenu k\u0101pumu un b\u016bvniec\u012bbas izmaksu pieaugumu, k\u0101 ar\u012b karu Ukrain\u0101, kas provoc\u0113 nestabilit\u0101ti un liek b\u016bt piesardz\u012bgiem ar lieliem pirkumiem, \u0123imenes ar b\u0113rniem un jaunie speci\u0101listi turpina ieg\u0101d\u0101ties m\u0101jok\u013cus. Katru m\u0113nesi tiek izsniegtas garantijas aptuveni 3,3 \u2013 3,8 miljonu EUR apjom\u0101.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/zurnalsiepirkumi.lv\/wp-content\/uploads\/2023\/01\/NBS_atbalsts_karaviriem.jpg\" alt=\"\" class=\"wp-image-19865\" srcset=\"https:\/\/zurnalsiepirkumi.lv\/wp-content\/uploads\/2023\/01\/NBS_atbalsts_karaviriem.jpg 640w, https:\/\/zurnalsiepirkumi.lv\/wp-content\/uploads\/2023\/01\/NBS_atbalsts_karaviriem-336x336.jpg 336w, https:\/\/zurnalsiepirkumi.lv\/wp-content\/uploads\/2023\/01\/NBS_atbalsts_karaviriem-150x150.jpg 150w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>No\u00a05. janv\u0101ra\u00a0Att\u012bst\u012bbas finan\u0161u instit\u016bcija ALTUM s\u0101k pie\u0161\u0137irt garantijas m\u0101jok\u013cu ieg\u0101dei Nacion\u0101lo bru\u0146oto sp\u0113ku (NBS) karav\u012briem.<\/p>\n","protected":false},"author":1938,"featured_media":19867,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"_links":{"self":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/19868"}],"collection":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/users\/1938"}],"replies":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19868"}],"version-history":[{"count":1,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/19868\/revisions"}],"predecessor-version":[{"id":19869,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/19868\/revisions\/19869"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/media\/19867"}],"wp:attachment":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}