{"id":42,"date":"2026-03-18T18:15:26","date_gmt":"2026-03-18T16:15:26","guid":{"rendered":"https:\/\/www.unikredits.lv\/?page_id=42"},"modified":"2026-03-20T10:45:49","modified_gmt":"2026-03-20T08:45:49","slug":"parkreditacija","status":"publish","type":"page","link":"https:\/\/www.unikredits.lv\/ru\/parkreditacija\/","title":{"rendered":"P\u0101rkredit\u0101cija"},"content":{"rendered":"\n<p>P\u0101rkredit\u0101cija ir finan\u0161u risin\u0101jums, kas \u013cauj aizst\u0101t eso\u0161o kred\u012btu ar jaunu, izdev\u012bg\u0101ku aizdevumu. T\u0101 ir \u012bpa\u0161i aktu\u0101la situ\u0101cij\u0101s, kad main\u012bju\u0161ies tirgus apst\u0101k\u013ci vai klienta finansi\u0101l\u0101 situ\u0101cija, un iesp\u0113jams ieg\u016bt lab\u0101kus nosac\u012bjumus nek\u0101 iepriek\u0161. UniKredits.lv pal\u012bdz vienuviet sal\u012bdzin\u0101t da\u017e\u0101du aizdev\u0113ju p\u0101rkredit\u0101cijas pied\u0101v\u0101jumus un izv\u0113l\u0113ties piem\u0113rot\u0101ko risin\u0101jumu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas ir p\u0101rkredit\u0101cija?<\/h2>\n\n\n\n<p>P\u0101rkredit\u0101cija (jeb refinans\u0113\u0161ana) noz\u012bm\u0113 eso\u0161\u0101 kred\u012bta nomai\u0146u pret jaunu aizdevumu ar citiem nosac\u012bjumiem. Jaunais aizdev\u0113js sedz klienta eso\u0161\u0101s saist\u012bbas, un turpm\u0101k maks\u0101jumi tiek veikti tikai vienam kreditoram. \u0160is risin\u0101jums var attiekties gan uz vienu kred\u012btu, gan vair\u0101kiem aizdevumiem vienlaikus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kad p\u0101rkredit\u0101cija ir izdev\u012bga?<\/h2>\n\n\n\n<p>P\u0101rkredit\u0101cija var b\u016bt \u012bpa\u0161i noder\u012bga \u0161\u0101dos gad\u012bjumos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>eso\u0161ajam kred\u012btam ir augsta procentu likme<\/li>\n\n\n\n<li>tirg\u016b pieejami izdev\u012bg\u0101ki pied\u0101v\u0101jumi<\/li>\n\n\n\n<li>v\u0113laties samazin\u0101t ikm\u0113ne\u0161a maks\u0101jumu<\/li>\n\n\n\n<li>nepiecie\u0161ams pagarin\u0101t atmaksas termi\u0146u<\/li>\n\n\n\n<li>v\u0113laties apvienot vair\u0101kus kred\u012btus vien\u0101<\/li>\n<\/ul>\n\n\n\n<p>\u0160\u0101dos gad\u012bjumos p\u0101rkredit\u0101cija var pal\u012bdz\u0113t b\u016btiski uzlabot finan\u0161u situ\u0101ciju.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Galven\u0101s priek\u0161roc\u012bbas<\/h2>\n\n\n\n<p><strong>1. Zem\u0101ka procentu likme<\/strong><br>Ja izdodas atrast izdev\u012bg\u0101ku pied\u0101v\u0101jumu, kop\u0113j\u0101s kred\u012bta izmaksas var samazin\u0101ties.<\/p>\n\n\n\n<p><strong>2. Maz\u0101ks ikm\u0113ne\u0161a maks\u0101jums<\/strong><br>Pagarinot termi\u0146u vai ieg\u016bstot lab\u0101kus nosac\u012bjumus, iesp\u0113jams samazin\u0101t m\u0113ne\u0161a slogu.<\/p>\n\n\n\n<p><strong>3. Vienk\u0101r\u0161\u0101ka p\u0101rvald\u012bba<\/strong><br>Ja tiek p\u0101rkredit\u0113ti vair\u0101ki kred\u012bti, tie tiek apvienoti vien\u0101 maks\u0101jum\u0101.<\/p>\n\n\n\n<p><strong>4. Elast\u012bg\u0101ki nosac\u012bjumi<\/strong><br>Jaunais l\u012bgums var b\u016bt piel\u0101gots j\u016bsu aktu\u0101laj\u0101m iesp\u0113j\u0101m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Iesp\u0113jamie riski un tr\u016bkumi<\/h2>\n\n\n\n<p>Lai gan p\u0101rkredit\u0101cija bie\u017ei ir izdev\u012bga, svar\u012bgi izv\u0113rt\u0113t ar\u012b iesp\u0113jamos riskus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ilg\u0101ks atmaksas termi\u0146\u0161 var palielin\u0101t kop\u0113jo atmaks\u0101jamo summu<\/li>\n\n\n\n<li>var tikt piem\u0113rotas komisijas maksas vai l\u012bguma noform\u0113\u0161anas izmaksas<\/li>\n\n\n\n<li>ne vienm\u0113r tiek garant\u0113ti lab\u0101ki nosac\u012bjumi<\/li>\n<\/ul>\n\n\n\n<p>T\u0101p\u0113c svar\u012bgi r\u016bp\u012bgi izanaliz\u0113t pied\u0101v\u0101jumu pirms l\u0113muma pie\u0146em\u0161anas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101 notiek p\u0101rkredit\u0101cijas process?<\/h2>\n\n\n\n<p>P\u0101rkredit\u0101cija parasti notiek vair\u0101kos vienk\u0101r\u0161os so\u013cos:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Eso\u0161o kred\u012btu izv\u0113rt\u0113\u0161ana<\/li>\n\n\n\n<li>Jaunu pied\u0101v\u0101jumu sal\u012bdzin\u0101\u0161ana (piem\u0113ram, UniKredits.lv)<\/li>\n\n\n\n<li>Pieteikuma iesnieg\u0161ana izv\u0113l\u0113tajam aizdev\u0113jam<\/li>\n\n\n\n<li>Kred\u012btsp\u0113jas izv\u0113rt\u0113\u0161ana<\/li>\n\n\n\n<li>Eso\u0161o saist\u012bbu dz\u0113\u0161ana ar jaun\u0101 kred\u012bta pal\u012bdz\u012bbu<\/li>\n<\/ol>\n\n\n\n<p>P\u0113c procesa pabeig\u0161anas klientam paliek viens kred\u012bts ar jauniem nosac\u012bjumiem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101 izv\u0113l\u0113ties lab\u0101ko p\u0101rkredit\u0101cijas pied\u0101v\u0101jumu?<\/h2>\n\n\n\n<p>Izv\u0113loties p\u0101rkredit\u0101ciju, svar\u012bgi piev\u0113rst uzman\u012bbu \u0161\u0101diem faktoriem:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gada procentu likme (GPL)<\/li>\n\n\n\n<li>kop\u0113j\u0101 atmaksas summa<\/li>\n\n\n\n<li>l\u012bguma termi\u0146\u0161<\/li>\n\n\n\n<li>papildu maksas un komisijas<\/li>\n\n\n\n<li>aizdev\u0113ja reput\u0101cija<\/li>\n<\/ul>\n\n\n\n<p>UniKredits.lv \u013cauj \u0101tri un \u0113rti sal\u012bdzin\u0101t \u0161os parametrus no vair\u0101kiem aizdev\u0113jiem vienuviet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Praktiski padomi<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vienm\u0113r sal\u012bdziniet vair\u0101kus pied\u0101v\u0101jumus<\/li>\n\n\n\n<li>Izv\u0113rt\u0113jiet ne tikai m\u0113ne\u0161a maks\u0101jumu, bet ar\u012b kop\u0113j\u0101s izmaksas<\/li>\n\n\n\n<li>P\u0101rliecinieties, ka jaunais kred\u012bts patie\u0161\u0101m ir izdev\u012bg\u0101ks<\/li>\n\n\n\n<li>Izvairieties no papildu aiz\u0146em\u0161an\u0101s p\u0113c p\u0101rkredit\u0101cijas<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Secin\u0101jums<\/h2>\n\n\n\n<p>P\u0101rkredit\u0101cija ir efekt\u012bvs instruments, kas var pal\u012bdz\u0113t samazin\u0101t izmaksas, uzlabot kred\u012bta nosac\u012bjumus un vienk\u0101r\u0161ot finan\u0161u p\u0101rvald\u012bbu. T\u0101 ir \u012bpa\u0161i noder\u012bga tiem, kuri v\u0113las piel\u0101got savas saist\u012bbas aktu\u0101lajai situ\u0101cijai. Izmantojot UniKredits.lv, iesp\u0113jams \u0101tri sal\u012bdzin\u0101t da\u017e\u0101dus pied\u0101v\u0101jumus un izv\u0113l\u0113ties visizdev\u012bg\u0101ko risin\u0101jumu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0101rkredit\u0101cija ir finan\u0161u risin\u0101jums, kas \u013cauj aizst\u0101t eso\u0161o kred\u012btu ar jaunu, izdev\u012bg\u0101ku aizdevumu. T\u0101 ir \u012bpa\u0161i aktu\u0101la situ\u0101cij\u0101s, kad main\u012bju\u0161ies tirgus apst\u0101k\u013ci vai klienta finansi\u0101l\u0101 situ\u0101cija, un iesp\u0113jams ieg\u016bt lab\u0101kus nosac\u012bjumus nek\u0101 iepriek\u0161. UniKredits.lv pal\u012bdz vienuviet sal\u012bdzin\u0101t da\u017e\u0101du aizdev\u0113ju p\u0101rkredit\u0101cijas pied\u0101v\u0101jumus un izv\u0113l\u0113ties piem\u0113rot\u0101ko risin\u0101jumu. Kas ir p\u0101rkredit\u0101cija? P\u0101rkredit\u0101cija (jeb refinans\u0113\u0161ana) noz\u012bm\u0113 eso\u0161\u0101 kred\u012bta nomai\u0146u [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-42","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/42","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/comments?post=42"}],"version-history":[{"count":1,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/42\/revisions"}],"predecessor-version":[{"id":43,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/42\/revisions\/43"}],"wp:attachment":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/media?parent=42"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}