{"id":6220,"date":"2015-12-02T17:49:41","date_gmt":"2015-12-02T15:49:41","guid":{"rendered":"http:\/\/zurnalsiepirkumi.lv\/?p=6220"},"modified":"2015-12-01T14:44:25","modified_gmt":"2015-12-01T12:44:25","slug":"2015-gads-majoklu-finansesana-latvijas-iedzivotaji-perkot-majokli-videji-aiznemas-50-000-eiro","status":"publish","type":"post","link":"https:\/\/zurnalsiepirkumi.lv\/?p=6220","title":{"rendered":"2015. gads m\u0101jok\u013cu finans\u0113\u0161an\u0101 \u2013 Latvijas iedz\u012bvot\u0101ji, p\u0113rkot m\u0101jokli, vid\u0113ji aiz\u0146emas 50 000 eiro"},"content":{"rendered":"

Lai ar\u012b ekonomiski akt\u012bvo Latvijas iedz\u012bvot\u0101ju noska\u0146ojums* izteikti v\u0113rsts par labu m\u0101jok\u013ca ieg\u0101dei, nevis \u012brei, katram piektajam respondentam (22%), kur\u0161 p\u0101rskat\u0101m\u0101 n\u0101kotn\u0113 v\u0113las ieg\u0101d\u0101ties savu \u012bpa\u0161umu, viens no \u0161\u0137\u0113r\u0161\u013ciem ir nepietiekama pirm\u0101 iemaksa. \u0160aj\u0101 zi\u0146\u0101 sevi ir attaisnojusi Att\u012bst\u012bbas finan\u0161u instit\u016bcijas ALTUM programma \u0123imen\u0113m ar b\u0113rniem, p\u0113c kuras ir iev\u0113rojams piepras\u012bjums (katrs tre\u0161ais m\u0101joklis \u201cSwedbank\u201d tiek ieg\u0101d\u0101ts ar ALTUM atbalstu), t\u0101p\u0113c b\u016btu nepiecie\u0161ams dom\u0101t par \u0161\u012bs programmas papla\u0161in\u0101\u0161anu.<\/b><\/p>\n

\u201cNeskatoties uz to, ka pagaid\u0101m v\u0113l kop\u0113jais m\u0101jok\u013cu kred\u012btu tirgus turpina samazin\u0101ties, ir redzamas pozit\u012bvas tendences. Piem\u0113ram, \u0161\u012b gada tre\u0161aj\u0101 ceturksn\u012b no jauna izsniegto m\u0101jok\u013cu kred\u012btu apjoms tirg\u016b ir pieaudzis par 29% sal\u012bdzin\u0101jum\u0101 ar \u0161\u012b gada otro ceturksni. Es atzin\u012bgi nov\u0113rt\u0113ju sadarb\u012bbu ar Att\u012bst\u012bbas finan\u0161u instit\u016bciju ALTUM, kas nenoliedzami ir veicin\u0101jusi sava m\u0101jok\u013ca pieejam\u012bbu \u0123imen\u0113m ar b\u0113rniem un ne tikai R\u012bg\u0101, bet ar\u012b re\u0123ionos,\u201d st\u0101sta Ainars Balcers, \u201cSwedbank\u201d Priv\u0101tpersonu finans\u0113\u0161anas l\u0113mumu centra vad\u012bt\u0101js.<\/p>\n

Aiz\u0146emties \u0161obr\u012bd izdev\u012bg\u0101k nek\u0101 pirms 10 gadiem<\/font><\/strong><\/p>\n

Ja sal\u012bdzina situ\u0101ciju, k\u0101da m\u0101jok\u013cu finans\u0113\u0161anas tirg\u016b bija pirms desmit gadiem (2005. gad\u0101), redzams, ka m\u0101jok\u013cu pieejam\u012bba ir palielin\u0101jusies, pateicoties joproj\u0101m zem\u0101k\u0101m \u012bpa\u0161umu cen\u0101m un pak\u0101peniski pieaugo\u0161ajam ikm\u0113ne\u0161a atalgojumam. Pirms desmit gadiem divu istabu dz\u012bvokli s\u0113rijveida nam\u0101 Purvciem\u0101 bija iesp\u0113jams ieg\u0101d\u0101ties par 48 000 eiro, \u0161ogad \u2013 par 40 000 eiro. Bankas kop\u0113j\u0101 procentu likme pirms desmit gadiem un tagad ir \u013coti l\u012bdz\u012bg\u0101s robe\u017e\u0101s. Lai ar\u012b m\u0101jok\u013cu pieejam\u012bba palielin\u0101s, k\u0101pumu ir piedz\u012bvoju\u0161as ar\u012b \u012bres cenas. Lai m\u016bsu piemin\u0113taj\u0101 m\u0101jokl\u012b mitin\u0101tos, to \u012br\u0113jot, pirms desmit gadiem n\u0101c\u0101s \u0161\u0137irties vid\u0113ji no 250 eiro, \u0161ogad \u2013 no 300 eiro. T\u0101tad, sal\u012bdzinot ar situ\u0101ciju tirg\u016b pirms desmit gadiem, \u0161obr\u012bd visi apst\u0101k\u013ci nor\u0101da uz m\u0101jok\u013ca ieg\u0101di k\u0101 racion\u0101lu r\u012bc\u012bbu.
\n
\nKas aiz\u0146emas?<\/font><\/strong><\/p>\n

K\u0101 r\u0101da \u201cSwedbank\u201d dati, vid\u0113jais aiz\u0146\u0113m\u0113js ir ap 30 gadus vecs prec\u0113ts v\u012brietis, kura v\u0101rds visbie\u017e\u0101k ir J\u0101nis (p\u0113c J\u0101\u0146a visbie\u017e\u0101k aiz\u0146emas kungi, v\u0101rd\u0101 Sergejs un Andrejs), ar augst\u0101ko izgl\u012bt\u012bbu un speci\u0101lista darbu biroj\u0101, visbie\u017e\u0101k darbojoties transporta vai komunik\u0101cijas jom\u0101. Aiz\u0146\u0113mums vid\u0113ji 50 100 eiro un tiek \u0146emts uz 17 gadiem. Savuk\u0101rt sievietes visbie\u017e\u0101k aiz\u0146emas vid\u0113ji 35 gadu vecum\u0101, ir nodarbin\u0101tas tirdzniec\u012bbas vai person\u0101la vad\u012bbas jom\u0101. Aiz\u0146\u0113mumu sava m\u0101jok\u013ca ieg\u0101dei vid\u0113ji 40 600 eiro v\u0113rt\u012bb\u0101 uz 16 gadiem visbie\u017e\u0101k \u0146em Olga (p\u0113c Olgas visbie\u017e\u0101k aiz\u0146emas d\u0101mas, v\u0101rd\u0101 Ilze un Je\u013cena). Aiz\u0146\u0113m\u0113ju ien\u0101kumi m\u0113nes\u012b ir vid\u0113ji 1000 l\u012bdz 1500 eiro.<\/p>\n

ALTUM \u2013 iesp\u0113ja mazin\u0101t barjeras m\u0101jok\u013ca ieg\u0101dei<\/font><\/strong><\/p>\n

Att\u012bst\u012bbas finan\u0161u instit\u016bcijas ALTUM atbalsta programma m\u0101jok\u013ca ieg\u0101dei \u0123imen\u0113m ar b\u0113rniem sevi pier\u0101d\u012bjusi k\u0101 veiksm\u012bgu pirm\u0101s iemaksas tr\u016bkuma barjeras mazin\u0101\u0161an\u0101. \u0160obr\u012bd katrs tre\u0161ais aiz\u0146\u0113mums m\u0101jok\u013ca ieg\u0101dei \u201cSwedbank\u201d tiek \u0146emts ar ALTUM atbalstu. Turkl\u0101t noz\u012bm\u012bgi min\u0113t, ka ALTUM iev\u0113rojami palielin\u0101jusi m\u0101jok\u013cu pieejam\u012bbu re\u0123ionos \u2013 \u0161obr\u012bd 63% dar\u012bjumu veikti R\u012bg\u0101 un t\u0101s apk\u0101rtn\u0113 (80% gad\u012bjumu pirc\u0113jiem ieg\u0101d\u0101joties dz\u012bvokli, bet 20% \u2013 priv\u0101tm\u0101ju), savuk\u0101rt 37% m\u0101jok\u013cu tiek ieg\u0101d\u0101ti re\u0123ionos, kas ir divas reizes liel\u0101ks skaits nek\u0101 bankas izsniegtajam m\u0101jok\u013ca finans\u0113jumam bez ALTUM atbalsta. Latvijas re\u0123ionos 51% pirc\u0113ju izv\u0113las ieg\u0101d\u0101ties dz\u012bvok\u013cus, bet 49% \u2013 priv\u0101tm\u0101jas.<\/p>\n

Liel\u0101koties pirm\u0101s iemaksas apm\u0113rs veido 5 l\u012bdz 10 t\u016bksto\u0161us eiro, un Latvij\u0101 \u0161\u0101du summu iesp\u0113jams uzkr\u0101t vid\u0113ji divu gadu (26 m\u0113ne\u0161u) laik\u0101. Ar ALTUM atbalstu pirm\u0101s iemaksas uzkr\u0101\u0161anas laiks samazin\u0101s l\u012bdz vid\u0113ji devi\u0146iem m\u0113ne\u0161iem.<\/p>\n

\u201c\u0160ogad Att\u012bst\u012bbas finan\u0161u instit\u016bcija ALTUM pie\u0161\u0137\u012brusi 971 galvojumu komercbanku izsniegtiem aizdevumiem m\u0101jok\u013ca ieg\u0101dei \u0123imen\u0113m ar b\u0113rniem vis\u0101 Latvij\u0101. \u0160\u012b statistika apliecina, ka valsts atbalsta programma ir noz\u012bm\u012bgs atspaids \u0123imen\u0113m ar b\u0113rniem, kam ir past\u0101v\u012bgi ien\u0101kumi, bet nav pietiekamu uzkr\u0101jumu pirm\u0101s iemaksas veik\u0161anai. T\u0101p\u0113c esam gandar\u012bti, ka ir pan\u0101kta vieno\u0161an\u0101s ar\u012b turpm\u0101k finans\u0113t programmu. Ar programmas galvojumiem komercbankas kop\u0161 \u0161\u0101 gada janv\u0101ra izsniegu\u0161as hipotek\u0101ros kred\u012btus 51 miljona eiro v\u0113rt\u012bb\u0101. Nov\u0113rt\u0113jam valsts sniegto finans\u0113jumu \u0161ai programmai un m\u016bsu sadarb\u012bbas partneru \u2013 komercbanku \u2013 aktivit\u0101ti, piedaloties \u0161\u012bs valsts atbalsta programmas \u012bsteno\u0161an\u0101,\u201d uzsver ALTUM valdes priek\u0161s\u0113d\u0113t\u0101js Reinis B\u0113rzi\u0146\u0161.<\/p>\n

Kas gaid\u0101ms n\u0101kotn\u0113?<\/font><\/strong><\/p>\n

Past\u0101vot nemain\u012bgai vajadz\u012bbai p\u0113c sava nekustam\u0101 \u012bpa\u0161uma, k\u0101 ar\u012b augot ien\u0101kumiem un saglab\u0101joties sam\u0113r\u0101 zem\u0101m ieg\u0101des cen\u0101m un procentu likm\u0113m, sagaid\u0101ms, ka finans\u0113\u0161anas tirgus 2016. gad\u0101 piedz\u012bvos stabilu k\u0101pumu. P\u0101rskat\u0101m\u0101 n\u0101kotn\u0113 kredit\u0113\u0161anu veicin\u0101s jaunu nekustamo \u012bpa\u0161umu projektu att\u012bst\u012b\u0161ana, pak\u0101penisks cenu, k\u0101 ar\u012b klientu optimisma pieaugums. Taj\u0101 pa\u0161\u0101 laik\u0101 tirg\u016b visdr\u012bz\u0101k turpin\u0101s domin\u0113t p\u0101rdom\u0101ta un racion\u0101los apsv\u0113rumos balst\u012bta m\u0101jok\u013cu izv\u0113le un aiz\u0146em\u0161an\u0101s.<\/p>\n

Autors:
\nVineta Savicka,
\n“Swedbank” \u0101r\u0113j\u0101s komunik\u0101cijas vad\u012bt\u0101ja<\/b><\/p>\n

* P\u0113t\u012bjums veikts 2015. gada septembr\u012b sadarb\u012bb\u0101 ar \u201cGFK Latvia\u201d, aptauj\u0101jot 1017 respondentus vecum\u0101 no 18 l\u012bdz 84 gadiem R\u012bg\u0101, cit\u0101s Latvijas pils\u0113t\u0101s un lauku re\u0123ionos.<\/p>\n","protected":false},"excerpt":{"rendered":"

Lai ar\u012b ekonomiski akt\u012bvo Latvijas iedz\u012bvot\u0101ju noska\u0146ojums* izteikti v\u0113rsts par labu m\u0101jok\u013ca ieg\u0101dei, nevis \u012brei, katram piektajam respondentam (22%), kur\u0161 p\u0101rskat\u0101m\u0101 n\u0101kotn\u0113 v\u0113las ieg\u0101d\u0101ties savu \u012bpa\u0161umu, viens no \u0161\u0137\u0113r\u0161\u013ciem ir nepietiekama pirm\u0101 iemaksa.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/6220"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6220"}],"version-history":[{"count":2,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/6220\/revisions"}],"predecessor-version":[{"id":6223,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/6220\/revisions\/6223"}],"wp:attachment":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6220"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6220"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6220"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}