{"id":25524,"date":"2020-12-28T09:46:14","date_gmt":"2020-12-28T09:46:14","guid":{"rendered":"http:\/\/scandinavia.life\/kreditu-tirgus-izpete-norvegija\/"},"modified":"2024-03-10T18:50:25","modified_gmt":"2024-03-10T18:50:25","slug":"kreditu-tirgus-izpete-norvegija","status":"publish","type":"post","link":"https:\/\/scandinavia.life\/lv\/kreditu-tirgus-izpete-norvegija\/","title":{"rendered":"Norv\u0113\u0123ijas aizdevumu tirgus izp\u0113te"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/scandinavia.life\/lv\/kredits-norvegija\/\">Aizdevumu tirgus Norv\u0113\u0123ij\u0101<\/a> ir pies\u0101tin\u0101ts ar pied\u0101v\u0101jumiem, ta\u010du tirgu var iedal\u012bt da\u017e\u0101dos segmentos. Bankas parasti specializ\u0113jas da\u017e\u0101dos produktos. Tom\u0113r tas nenoz\u012bm\u0113, ka nevarat atrast banku, kas pied\u0101v\u0101 vienu vai visas \u0161\u012bs iesp\u0113jas, lai gan tas var ietekm\u0113t priek\u0161roc\u012bbas, k\u0101 tas ir, piem\u0113ram, kred\u012btkar\u0161u gad\u012bjum\u0101.<\/p>\n\n<p class=\"wp-block-paragraph\">\u0160aj\u0101 rakst\u0101 m\u0113s j\u016bs nor\u0101d\u012bsim pareizaj\u0101 virzien\u0101 (vismaz, m\u016bsupr\u0101t), bet izlemiet pa\u0161i. Galu gal\u0101 t\u0101 ir j\u016bsu nauda.<\/p>\n\n<h2 class=\"wp-block-heading\">M\u0101jok\u013ca kred\u012bti<\/h2>\n\n<p class=\"wp-block-paragraph\">Lai j\u016bs pat tiktu uzskat\u012bts par m\u0101jok\u013ca kred\u012bta klientu, jums <a href=\"https:\/\/scandinavia.life\/lv\/ka-iegut-apstiprinajumu-hipotekai-skandinavija\/\">pa\u0161am ir j\u0101b\u016bt vismaz 20 % no l\u012bdzek\u013ciem<\/a>. \u0160o pras\u012bbu nosaka vald\u012bba. Liel\u0101k\u0101s pils\u0113t\u0101s tas var b\u016bt izaicin\u0101jums, vismaz jaun\u0101kaj\u0101m paaudz\u0113m, ta\u010du tas neb\u016bt nenoz\u012bm\u0113, ka jums nav iesp\u0113ju iek\u013c\u016bt m\u0101jok\u013cu tirg\u016b.  <\/p>\n\n<p class=\"wp-block-paragraph\">Ja j\u016bs p\u0113rkat m\u0101ju \u0101rpus pils\u0113tas perimetra, j\u016bs varat sagaid\u012bt iev\u0113rojami zem\u0101kas cenas (vair\u0101k nek\u0101 bie\u017ei), un, pieaugot m\u0101jok\u013cu cen\u0101m p\u0113d\u0113jos daudzus gadus, p\u0113c da\u017eiem gadiem j\u016bs varat p\u0101rdot par augst\u0101ku cenu. tas savuk\u0101rt dos jums finans\u0113jumu, lai tuvotos pils\u0113tas centram. Tas ir izplat\u012bts veids, k\u0101 to izdar\u012bt.<\/p>\n\n<p class=\"wp-block-paragraph\">M\u0101jok\u013ca kred\u012btus j\u016bs parasti sa\u0146emat no parast\u0101s bankas*, piem\u0113ram, DnB, Nordea vai, v\u0113lams, Sbanken vai cit\u0101m bank\u0101m, kuras p\u0113d\u0113jos daudzus gadus ir pied\u0101v\u0101ju\u0161as konkur\u0113tsp\u0113j\u012bgas cenas.<\/p>\n\n<p class=\"wp-block-paragraph\">Maksim\u0101lais m\u0101jok\u013ca kred\u012bta ilgums parasti ir 30 gadi.<\/p>\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>*Ordin\u0101las bankas ir vec\u0101kas iest\u0101des (bankas), kur\u0101m ir liel\u0101k\u0101 da\u013ca klientu un kuras sarunvalod\u0101 tiek iek\u013cautas \u0161aj\u0101 sauc\u0113j\u0101. Finan\u0161u iest\u0101des parasti pied\u0101v\u0101 tikai pat\u0113ri\u0146a kred\u012btus, kred\u012btkartes un citus aizdevumus bez nodro\u0161in\u0101juma &#8211; t\u0101s ir specializ\u0113tas \u0161aj\u0101 tirg\u016b. P\u0113d\u0113jo gadu laik\u0101 esam nov\u0113roju\u0161i, ka ar\u012b \u0161\u012bs iest\u0101des papla\u0161ina savu produktu pied\u0101v\u0101jumu un da\u017eas pat pied\u0101v\u0101 hipotek\u0101ros kred\u012btus, nor\u0113\u0137inu kontus, apdro\u0161in\u0101\u0161anu u. c. un darbojas k\u0101 &#8220;parastas bankas&#8221;. Joproj\u0101m nesaprotat? T\u0101pat k\u0101 m\u0113s&#8230;<\/em><\/p>\n\n<h2 class=\"wp-block-heading\">Auto aizdevums<\/h2>\n\n<p class=\"wp-block-paragraph\">Neatkar\u012bgi no t\u0101, vai <a href=\"https:\/\/www.finn.no\/car\/used\/search.html?sort=PUBLISHED_DESC\">p\u0113rkat lietotu<\/a> vai jaunu automa\u0161\u012bnu, varat sa\u0146emt aizdevumu par god\u012bg\u0101m cen\u0101m. Naudas aizdevuma izmaksas b\u016bs atkar\u012bgas no t\u0101, k\u0101da veida aizdevumu sa\u0146emsiet. Da\u017ei auto kred\u012bti ir ar hipot\u0113ku uz pa\u0161u automa\u0161\u012bnu, bet citi ir k\u0101 parasts pat\u0113ri\u0146a kred\u012bts. P\u0113d\u0113jais gad\u012bjums ir bie\u017e\u0101k sastopams, ja p\u0113rkat lietotu automa\u0161\u012bnu.<\/p>\n\n<p class=\"wp-block-paragraph\">Procenti ir atkar\u012bgi no t\u0101, vai jums ir hipot\u0113ka vai n\u0113. Parasti (visos gad\u012bjumos) procenti ir iev\u0113rojami zem\u0101ki, ja j\u016bsu automa\u0161\u012bnai ir hipot\u0113ka, sal\u012bdzinot ar aizdevumu bez nodro\u0161in\u0101juma.<\/p>\n\n<p class=\"wp-block-paragraph\">Auto aizdevumu j\u016bs varat sa\u0146emt no da\u017e\u0101d\u0101m finan\u0161u iest\u0101d\u0113m., bet \u0161eit m\u0113s varam redz\u0113t, ka parast\u0101s bankas bie\u017ei vien dod jums zem\u0101ku procentu likmi, lai gan augst\u0101kas pras\u012bbas bie\u017ei vien ir augst\u0101kas jums k\u0101 aizdevuma \u0146\u0113m\u0113jam. Tas var noz\u012bm\u0113t, piem\u0113ram, to, ka jums ir j\u0101b\u016bt past\u0101v\u012bgam klientam un jums ir j\u0101b\u016bt sav\u0101m galvenaj\u0101m finan\u0161u saist\u012bb\u0101m ar t\u0101m. Citas bankas, piem\u0113ram, Santander, ir tuvu aiz t\u0101m. Turkl\u0101t Ya Bank (piem\u0113ram,) var jums pie\u0161\u0137irt viszem\u0101kos procentus par auto aizdevumiem bez nodro\u0161in\u0101juma un neprasa, lai j\u016bs k\u013c\u016btu par past\u0101v\u012bgu klientu (lai jums tur b\u016btu j\u016bsu nor\u0113\u0137inu konts utt.), un ir iz\u0146\u0113mums no parastaj\u0101m bank\u0101m, kas pieprasa nodro\u0161in\u0101jumu kop\u0101 ar aizdevumu.<\/p>\n\n<p class=\"wp-block-paragraph\">Auto aizdevuma maksim\u0101lais termi\u0146\u0161 ir pieci gadi.<\/p>\n\n<h2 class=\"wp-block-heading\">Personas aizdevums<\/h2>\n\n<p class=\"wp-block-paragraph\">Personas aizdevums p\u0113c defin\u012bcijas \u0161aj\u0101 kontekst\u0101 ir pat\u0113ri\u0146a kred\u012bts. Tie ir aizdevumi, kuriem nav nepiecie\u0161ama nek\u0101da \u0137\u012bla, nedz \u012bpa\u0161um\u0101, nedz ar\u012b tam, kam naudu izmantojat. Tom\u0113r tas nav bez iz\u0146\u0113muma, jo, protams, j\u016bs varat sa\u0146emt ar\u012b \u0161\u0101da veida aizdevumu ar nodro\u0161in\u0101jumu, ta\u010du parasti j\u016bs sa\u0146emsiet kred\u012btu papildus hipot\u0113kai.<\/p>\n\n<p class=\"wp-block-paragraph\">Bie\u017ei vien redz\u0113siet rekl\u0101mas, piem\u0113ram, &#8220;<a href=\"https:\/\/xn--norgeln-jxa.com\/ferratum\/\">L\u012bdz 30 000 t\u016bksto\u0161i eiro<\/a>r&#8221;, kas noz\u012bm\u0113 &#8220;aizdevums l\u012bdz 30 000 Norv\u0113\u0123ijas kronu&#8221;, un tas jums pateiks maksim\u0101lo kred\u012btu, ko varat sa\u0146emt, ta\u010du jums b\u016bs ar\u012b iesp\u0113ja l\u016bgt maz\u0101ku aizdevumu &#8211; jums nav j\u0101aiz\u0146emas maksim\u0101lais kred\u012bts atbilsto\u0161i j\u016bsu iesp\u0113j\u0101m.<\/p>\n\n<p class=\"wp-block-paragraph\">2019. gad\u0101 st\u0101j\u0101s sp\u0113k\u0101 jauni noteikumi, kas tika ieviesti, lai c\u012bn\u012btos pret straujo person\u012bgo par\u0101du pieaugumu un t\u0101 sek\u0101m:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>J\u016bsu neatmaks\u0101to aizdevumu kopsumma var b\u016bt tikai piecas reizes liel\u0101ka par j\u016bsu gada bruto ien\u0101kumiem. \u0160aj\u0101 apr\u0113\u0137in\u0101 visi aizdevumi ir kreditori. Ar\u012b studentu aizdevumi, hipotek\u0101rie kred\u012bti, auto aizdevumi u.c.<\/li>\n\n\n\n<li>Maksim\u0101li piecu gadu pirm\u0101 iemaksa nenodro\u0161in\u0101tiem aizdevumiem.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/scandinavia.life\/lv\/norvegijas-kreditkarte\/\">Kred\u012btkartes Norv\u0113\u0123ij\u0101<\/a> ietilpst cit\u0101 kategorij\u0101, pat ja t\u0101s tiek apr\u0113\u0137in\u0101tas saska\u0146\u0101 ar jaunajiem noteikumiem. Kred\u012btkarte ir kred\u012bta veids, kas jums var b\u016bt m\u016b\u017e\u012bgs, un tas ir ar\u012b viens no popul\u0101r\u0101kajiem aizdevumu veidiem Norv\u0113\u0123ij\u0101, jo jums tiek pied\u0101v\u0101tas visas priek\u0161roc\u012bbas. Izmantojot kred\u012btkarti, pirmaj\u0101s 50 dien\u0101s varat sa\u0146emt bezprocentu aizdevumu, bezmaksas apdro\u0161in\u0101\u0161anu, atlaides un naudas atmaksu.<\/p>\n\n<p class=\"wp-block-paragraph\">Attiec\u012bb\u0101 uz pat\u0113ri\u0146a kred\u012btiem un kred\u012btkart\u0113m m\u0113s redzam, ka jaun\u0101k\u0101s bankas sniedz jums vislab\u0101k\u0101s intereses, priek\u0161roc\u012bbas un t\u0101d\u0113j\u0101di ir ar\u012b popul\u0101r\u0101k\u0101s vietas, kur sa\u0146emt \u0161\u0101da veida aizdevumu\/kred\u012btu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aizdevumu tirgus Norv\u0113\u0123ij\u0101 ir pies\u0101tin\u0101ts ar pied\u0101v\u0101jumiem, ta\u010du tirgu var iedal\u012bt da\u017e\u0101dos segmentos. Bankas parasti specializ\u0113jas da\u017e\u0101dos produktos. Tom\u0113r tas nenoz\u012bm\u0113, ka nevarat atrast banku, kas pied\u0101v\u0101 vienu vai visas \u0161\u012bs iesp\u0113jas, lai gan tas var ietekm\u0113t priek\u0161roc\u012bbas, k\u0101 tas ir, piem\u0113ram, kred\u012btkar\u0161u gad\u012bjum\u0101. \u0160aj\u0101 rakst\u0101 m\u0113s j\u016bs nor\u0101d\u012bsim pareizaj\u0101 virzien\u0101 (vismaz, m\u016bsupr\u0101t), bet izlemiet<\/p>\n","protected":false},"author":1,"featured_media":16591,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1552,1550,1639],"tags":[1655,4686,14843,1556,2635,1602,1560],"class_list":["post-25524","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banku-darbiba","category-dzivo","category-norvegija","tag-aizdevumi","tag-automasina","tag-hipoteka-lv","tag-kreditkartes","tag-majokli","tag-personiga-ekonomika","tag-pirksana"],"_links":{"self":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/25524","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/comments?post=25524"}],"version-history":[{"count":1,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/25524\/revisions"}],"predecessor-version":[{"id":126334,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/25524\/revisions\/126334"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/media\/16591"}],"wp:attachment":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/media?parent=25524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/categories?post=25524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/tags?post=25524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}