{"id":45,"date":"2026-03-18T18:28:49","date_gmt":"2026-03-18T16:28:49","guid":{"rendered":"https:\/\/www.unikredits.lv\/?page_id=45"},"modified":"2026-03-20T10:43:42","modified_gmt":"2026-03-20T08:43:42","slug":"istermina-krediti-atrs-risinajums","status":"publish","type":"page","link":"https:\/\/www.unikredits.lv\/ru\/istermina-krediti-atrs-risinajums\/","title":{"rendered":"\u012astermi\u0146a kred\u012bti \u2013 \u0101trs risin\u0101jums"},"content":{"rendered":"\n<p>\u012astermi\u0146a kred\u012bti ir viens no popul\u0101r\u0101kajiem aizdevumu veidiem Latvij\u0101, kas paredz\u0113ts situ\u0101cij\u0101m, kad nauda nepiecie\u0161ama steidzami un uz sal\u012bdzino\u0161i \u012bsu laiku. Tie bie\u017ei tiek izmantoti, lai segtu neparedz\u0113tus izdevumus, piem\u0113ram, medic\u012bniskos r\u0113\u0137inus, auto remontu vai citus ikdienas izdevumus. UniKredits.lv pied\u0101v\u0101 iesp\u0113ju vienuviet sal\u012bdzin\u0101t da\u017e\u0101dus \u012bstermi\u0146a kred\u012btu pied\u0101v\u0101jumus un izv\u0113l\u0113ties sev piem\u0113rot\u0101ko variantu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas ir \u012bstermi\u0146a kred\u012bts?<\/h2>\n\n\n\n<p>\u012astermi\u0146a kred\u012bts ir aizdevums, kas parasti tiek izsniegts uz laiku no da\u017e\u0101m dien\u0101m l\u012bdz da\u017eiem m\u0113ne\u0161iem. \u0160iem kred\u012btiem rakstur\u012bga \u0101tra pieteik\u0161an\u0101s, vienk\u0101r\u0161a apstiprin\u0101\u0161ana un operat\u012bva naudas izmaksa. Tie ir piem\u0113roti situ\u0101cij\u0101s, kad nepiecie\u0161ama neliela naudas summa uz \u012bsu periodu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kad izv\u0113l\u0113ties \u012bstermi\u0146a kred\u012btu?<\/h2>\n\n\n\n<p>\u012astermi\u0146a kred\u012bts var b\u016bt piem\u0113rots, ja:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>radu\u0161ies neparedz\u0113ti izdevumi<\/li>\n\n\n\n<li>l\u012bdz algas dienai pietr\u016bkst l\u012bdzek\u013cu<\/li>\n\n\n\n<li>nepiecie\u0161ams \u0101trs finan\u0161u risin\u0101jums<\/li>\n\n\n\n<li>nav v\u0113lmes uz\u0146emties ilgtermi\u0146a saist\u012bbas<\/li>\n<\/ul>\n\n\n\n<p>\u0160\u0101da veida kred\u012bti pal\u012bdz \u0101tri atrisin\u0101t \u012bslaic\u012bgas finan\u0161u gr\u016bt\u012bbas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Galven\u0101s priek\u0161roc\u012bbas<\/h2>\n\n\n\n<p><strong>1. \u0100tra pieejam\u012bba<\/strong><br>Pieteikumu iesp\u0113jams aizpild\u012bt tie\u0161saist\u0113 da\u017eu min\u016b\u0161u laik\u0101, un nauda bie\u017ei tiek izmaks\u0101ta taj\u0101 pa\u0161\u0101 dien\u0101.<\/p>\n\n\n\n<p><strong>2. Vienk\u0101r\u0161s process<\/strong><br>Nav nepiecie\u0161ama sare\u017e\u0123\u012bta dokument\u0101cija vai ilga gaid\u012b\u0161ana.<\/p>\n\n\n\n<p><strong>3. Elast\u012bgi nosac\u012bjumi<\/strong><br>Daudzi aizdev\u0113ji pied\u0101v\u0101 da\u017e\u0101dus atmaksas termi\u0146us un summas.<\/p>\n\n\n\n<p><strong>4. Pieejam\u012bba pla\u0161am klientu lokam<\/strong><br>Pat klienti bez ilgsto\u0161as kred\u012btv\u0113stures var kvalific\u0113ties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Iesp\u0113jamie tr\u016bkumi<\/h2>\n\n\n\n<p>Lai gan \u012bstermi\u0146a kred\u012bti ir \u0113rti, tiem ir ar\u012b savi riski:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>augst\u0101kas procentu likmes sal\u012bdzin\u0101jum\u0101 ar ilgtermi\u0146a kred\u012btiem<\/li>\n\n\n\n<li>\u012bss atmaksas termi\u0146\u0161 var rad\u012bt papildu slogu<\/li>\n\n\n\n<li>kav\u0113jumu gad\u012bjum\u0101 var tikt piem\u0113rotas soda maksas<\/li>\n<\/ul>\n\n\n\n<p>T\u0101p\u0113c svar\u012bgi aiz\u0146emties atbild\u012bgi un izv\u0113rt\u0113t savas iesp\u0113jas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101 izv\u0113l\u0113ties piem\u0113rot\u0101ko pied\u0101v\u0101jumu?<\/h2>\n\n\n\n<p>Izv\u0113loties \u012bstermi\u0146a kred\u012btu, ieteicams piev\u0113rst uzman\u012bbu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gada procentu likmei (GPL)<\/li>\n\n\n\n<li>atmaksas termi\u0146am<\/li>\n\n\n\n<li>kop\u0113j\u0101m izmaks\u0101m<\/li>\n\n\n\n<li>papildu komisij\u0101m<\/li>\n\n\n\n<li>aizdev\u0113ja uzticam\u012bbai<\/li>\n<\/ul>\n\n\n\n<p>UniKredits.lv \u013cauj \u0101tri sal\u012bdzin\u0101t da\u017e\u0101dus pied\u0101v\u0101jumus un atrast izdev\u012bg\u0101ko variantu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101 notiek pieteik\u0161an\u0101s?<\/h2>\n\n\n\n<p>Pieteik\u0161an\u0101s process parasti ir \u013coti vienk\u0101r\u0161s:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Izv\u0113laties v\u0113lamo aizdevuma summu un termi\u0146u<\/li>\n\n\n\n<li>Aizpild\u0101t tie\u0161saistes pieteikumu<\/li>\n\n\n\n<li>Sa\u0146emat l\u0113mumu da\u017eu min\u016b\u0161u laik\u0101<\/li>\n\n\n\n<li>P\u0113c apstiprin\u0101juma nauda tiek p\u0101rskait\u012bta uz j\u016bsu kontu<\/li>\n<\/ol>\n\n\n\n<p>Viss process notiek att\u0101lin\u0101ti, bez nepiecie\u0161am\u012bbas apmekl\u0113t fili\u0101li.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Atbild\u012bga aiz\u0146em\u0161an\u0101s<\/h2>\n\n\n\n<p>Lai izvair\u012btos no finansi\u0101l\u0101m gr\u016bt\u012bb\u0101m, svar\u012bgi iev\u0113rot da\u017eus principus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>aiz\u0146emieties tikai nepiecie\u0161amo summu<\/li>\n\n\n\n<li>izv\u0113rt\u0113jiet savas atmaksas iesp\u0113jas<\/li>\n\n\n\n<li>izvairieties no vair\u0101ku kred\u012btu vienlaic\u012bgas \u0146em\u0161anas<\/li>\n\n\n\n<li>r\u016bp\u012bgi izlasiet l\u012bguma nosac\u012bjumus<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Secin\u0101jums<\/h2>\n\n\n\n<p>\u012astermi\u0146a kred\u012bti ir \u0113rts un \u0101trs risin\u0101jums situ\u0101cij\u0101s, kad nepiecie\u0161ama t\u016bl\u012bt\u0113ja finan\u0161u pal\u012bdz\u012bba. Tie var pal\u012bdz\u0113t p\u0101rvar\u0113t \u012bslaic\u012bgas gr\u016bt\u012bbas, ta\u010du j\u0101izmanto atbild\u012bgi. UniKredits.lv sniedz iesp\u0113ju sal\u012bdzin\u0101t da\u017e\u0101dus pied\u0101v\u0101jumus un izv\u0113l\u0113ties vispiem\u0113rot\u0101ko risin\u0101jumu, balstoties uz j\u016bsu vajadz\u012bb\u0101m un iesp\u0113j\u0101m.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u012astermi\u0146a kred\u012bti ir viens no popul\u0101r\u0101kajiem aizdevumu veidiem Latvij\u0101, kas paredz\u0113ts situ\u0101cij\u0101m, kad nauda nepiecie\u0161ama steidzami un uz sal\u012bdzino\u0161i \u012bsu laiku. Tie bie\u017ei tiek izmantoti, lai segtu neparedz\u0113tus izdevumus, piem\u0113ram, medic\u012bniskos r\u0113\u0137inus, auto remontu vai citus ikdienas izdevumus. UniKredits.lv pied\u0101v\u0101 iesp\u0113ju vienuviet sal\u012bdzin\u0101t da\u017e\u0101dus \u012bstermi\u0146a kred\u012btu pied\u0101v\u0101jumus un izv\u0113l\u0113ties sev piem\u0113rot\u0101ko variantu. Kas ir \u012bstermi\u0146a [&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-45","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/45","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=45"}],"version-history":[{"count":1,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/45\/revisions"}],"predecessor-version":[{"id":46,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/45\/revisions\/46"}],"wp:attachment":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/media?parent=45"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}