{"id":27995,"date":"2020-11-09T11:50:51","date_gmt":"2020-11-09T11:50:51","guid":{"rendered":"http:\/\/scandinavia.life\/ka-iegut-apstiprinajumu-hipotekai-skandinavija\/"},"modified":"2022-01-29T20:38:01","modified_gmt":"2022-01-29T20:38:01","slug":"ka-iegut-apstiprinajumu-hipotekai-skandinavija","status":"publish","type":"post","link":"https:\/\/scandinavia.life\/lv\/ka-iegut-apstiprinajumu-hipotekai-skandinavija\/","title":{"rendered":"K\u0101 ieg\u016bt apstiprin\u0101jumu hipot\u0113kai Skandin\u0101vij\u0101?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Skandin\u0101vij\u0101 ir sp\u0113c\u012bga sava m\u0101jok\u013ca pieder\u012bbas kult\u016bra, ta\u010du jaunajiem pilso\u0146iem var\u0113tu b\u016bt gr\u016bti sa\u0146emt apstiprin\u0101jumu aizdevumam. Iemesls tam ir tas, ka bankas ir \u013coti regul\u0113tas no SEC ekvivalenta p\u0113c<a href=\"https:\/\/www.google.com\/search?q=financial+crisis+2007+scandinavia&amp;oq=financial+crisis+2007+scandinavia&amp;aqs=chrome..69i57j33i22i29i30.10967j0j9&amp;sourceid=chrome&amp;ie=UTF-8\"> finan\u0161u kr\u012bze 2007<\/a> . Skandin\u0101vija p\u0101rvar\u0113ja finan\u0161u kr\u012bzi, bet kop\u0161 t\u0101 laika ir v\u0113rojams \u0101rk\u0101rt\u0113js par\u0101dsaist\u012bbu pieaugums m\u0101jsaimniec\u012bb\u0101s. Pieaugumu veicin\u0101ja:<\/p>\n\n<ul class=\"wp-block-list\"><li>Paaugstin\u0101tas cenas nekustamajam \u012bpa\u0161umam<\/li><li>Person\u012bgo par\u0101du\/pat\u0113r\u0113t\u0101ju par\u0101du pieaugums<\/li><li>Zema interese<\/li><\/ul>\n\n<p class=\"wp-block-paragraph\">L\u012bdz ar to noteikumi par <a href=\"https:\/\/scandinavia.life\/lv\/banku-darbiba-norvegija\/\">naudas izsnieg\u0161anu cilv\u0113kiem<\/a> ir diezgan main\u012bju\u0161ies gan jaunajiem pilso\u0146iem, gan pa\u0161iem viet\u0113jiem. Da\u017e\u0101d\u0101m valst\u012bm ir at\u0161\u0137ir\u012bga politika, ta\u010du t\u0101s ir \u013coti l\u012bdz\u012bgas:<\/p>\n\n<ol class=\"wp-block-list\"><li>J\u016bs noteikti dz\u012bvojat valst\u012b 5 gadus<\/li><li>Jums ir j\u0101b\u016bt ar nodokli apliekamiem ien\u0101kumiem no vismaz 3 gadiem<\/li><li>Nav maks\u0101jumu piez\u012bmju<\/li><li>Jums j\u0101b\u016bt pa\u0161u kapit\u0101lam 10\u201325 % apm\u0113r\u0101 no nekustam\u0101 \u012bpa\u0161uma kop\u0113j\u0101s v\u0113rt\u012bbas<\/li><\/ol>\n\n<h2 class=\"wp-block-heading\">Vai ir k\u0101di iz\u0146\u0113mumi no \u0161\u012bm pras\u012bb\u0101m?<\/h2>\n\n<p class=\"wp-block-paragraph\">J\u0101, liel\u0101k\u0101 da\u013ca banku var pa\u0161as izlemt par aptuveni 10% no savas klientu b\u0101zes, bet tas galvenok\u0101rt ir saist\u012bts ar pa\u0161u kapit\u0101lu un ien\u0101kumiem. K\u0101 \u0101rzemniekam, kuram ir maz dokumentu par j\u016bsu ien\u0101kumiem vai ekonomiku p\u0113d\u0113jos gados, var b\u016bt gandr\u012bz neiesp\u0113jami <a href=\"https:\/\/scandinavia.life\/lv\/kreditu-tirgus-izpete-norvegija\/\">sa\u0146emt aizdevumu<\/a> . Ir bankas, kas specializ\u0113jas aizdevumu izsnieg\u0161an\u0101 cilv\u0113kiem, kuri parasti nesa\u0146em aizdevumu no tradicion\u0101l\u0101s bankas, bet aizdevumi no t\u0101m ir diezgan d\u0101rgi. Vi\u0146iem bie\u017ei ir \u013coti lieli procenti un maksa par aizdevumu noform\u0113\u0161anu, un tos galvenok\u0101rt izmanto refinans\u0113\u0161anai saska\u0146\u0101 ar Norv\u0113\u0123ijas t\u012bmek\u013ca vietni<a href=\"https:\/\/gjeldsproblemer.com\/\"> Gjeldsproblemer.com<\/a> .<\/p>\n\n<p class=\"wp-block-paragraph\">Ja jums ir labi apmaks\u0101ts darbs Skandin\u0101vij\u0101, iesp\u0113jams, ir iesp\u0113jams sa\u0146emt aizdevumu, ja jums ir pa\u0161u kapit\u0101ls, bet var gad\u012bties, ka banka v\u0113las, lai jums b\u016btu vair\u0101k pa\u0161u kapit\u0101la vai darba dev\u0113ja garantija.<\/p>\n\n<h2 class=\"wp-block-heading\">K\u0101 pieteikties hipot\u0113kai un k\u0101 palielin\u0101t savas iesp\u0113jas?<\/h2>\n\n<p class=\"wp-block-paragraph\">M\u0113s \u013coti iesak\u0101m, piesakoties <a href=\"https:\/\/scandinavia.life\/lv\/iegustiet-majokli-norvegija\/\">aizdevumam Skandin\u0101vij\u0101<\/a> , vispirms m\u0113\u0123in\u0101t sav\u0101kt visu dokument\u0101ciju, kas jums ir no iepriek\u0161\u0113jiem gadiem. Tas var b\u016bt nodok\u013cu deklar\u0101cijas, bankas izraksti un ar\u012b p\u0101rskats par j\u016bsu ietaup\u012bjumiem. Ja jums ir augsts kred\u012btreitings, izdruk\u0101jiet ar\u012b to. Turkl\u0101t apkopojiet visu inform\u0101ciju, kas jums ir par j\u016bsu pa\u0161reiz\u0113jo st\u0101vokli, piem\u0113ram, darba l\u012bgumi, uzkr\u0101jumi un visi j\u016bsu ekonomikas aspekti.<\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/scandinavia.life\/lv\/ka-nodrosinat-savu-sapnu-dzivokli\/\">Piesakoties aizdevumam<\/a> , iepl\u0101nojiet tik\u0161anos ar banku un neizmantojiet internetbankas. Iemesli ir t\u0101di, ka j\u016bs liel\u0101koties tiksiet noraid\u012bts, jo \u0161\u012bs bankas apstiprin\u0101\u0161anai izmanto automatiz\u0113tus r\u012bkus, un m\u016bsu pieredze liecina, ka sare\u017e\u0123\u012btas lietas tiek noraid\u012btas. Tiekoties ar banku, j\u016bs varat izskaidrot savu situ\u0101ciju, un banka var paskaidrot, kas jums nepiecie\u0161ams, lai sa\u0146emtu apstiprin\u0101jumu.<\/p>\n\n<p class=\"wp-block-paragraph\">Ir ar\u012b \u013coti svar\u012bgi pieteikties vair\u0101k\u0101s bank\u0101s. Lai gan tie tiek regul\u0113ti vien\u0101di, katra banka pie\u0146em at\u0161\u0137ir\u012bgus spriedumus, un viens noliegums nenoz\u012bm\u0113, ka j\u016bs sa\u0146emsiet atteikumu no vis\u0101m bank\u0101m!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Skandin\u0101vij\u0101 ir sp\u0113c\u012bga sava m\u0101jok\u013ca pieder\u012bbas kult\u016bra, ta\u010du jaunajiem pilso\u0146iem var\u0113tu b\u016bt gr\u016bti sa\u0146emt apstiprin\u0101jumu aizdevumam. Iemesls tam ir tas, ka bankas ir \u013coti regul\u0113tas no SEC ekvivalenta p\u0113c finan\u0161u kr\u012bze 2007 . Skandin\u0101vija p\u0101rvar\u0113ja finan\u0161u kr\u012bzi, bet kop\u0161 t\u0101 laika ir v\u0113rojams \u0101rk\u0101rt\u0113js par\u0101dsaist\u012bbu pieaugums m\u0101jsaimniec\u012bb\u0101s. Pieaugumu veicin\u0101ja: Paaugstin\u0101tas cenas nekustamajam \u012bpa\u0161umam Person\u012bgo par\u0101du\/pat\u0113r\u0113t\u0101ju<\/p>\n","protected":false},"author":1,"featured_media":16287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1552,1477,2058],"tags":[23734,14843,2060,2635,2661],"class_list":["post-27995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banku-darbiba","category-uncategorized-lv","category-ziemelvalstu","tag-bankas-aiznemums","tag-hipoteka-lv","tag-izbrauksanas-dzive","tag-majokli","tag-skandinavija"],"_links":{"self":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/27995","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=27995"}],"version-history":[{"count":0,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/posts\/27995\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/media\/16287"}],"wp:attachment":[{"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/media?parent=27995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/categories?post=27995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scandinavia.life\/lv\/wp-json\/wp\/v2\/tags?post=27995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}