{"id":49,"date":"2026-03-18T18:32:18","date_gmt":"2026-03-18T16:32:18","guid":{"rendered":"https:\/\/www.unikredits.lv\/?page_id=49"},"modified":"2026-03-20T10:43:22","modified_gmt":"2026-03-20T08:43:22","slug":"ilgtermina-krediti-lielakiem-finansu-merkiem","status":"publish","type":"page","link":"https:\/\/www.unikredits.lv\/ru\/ilgtermina-krediti-lielakiem-finansu-merkiem\/","title":{"rendered":"Ilgtermi\u0146a kred\u012bti \u2013 liel\u0101kiem finan\u0161u m\u0113r\u0137iem"},"content":{"rendered":"\n<p>Ilgtermi\u0146a kred\u012bti ir viens no popul\u0101r\u0101kajiem finans\u0113\u0161anas veidiem, kad nepiecie\u0161ama liel\u0101ka naudas summa un iesp\u0113ja to atmaks\u0101t pak\u0101peniski ilg\u0101k\u0101 laika period\u0101. Tie ir piem\u0113roti noz\u012bm\u012bgiem dz\u012bves notikumiem un ieguld\u012bjumiem, piem\u0113ram, m\u0101jok\u013ca ieg\u0101dei, auto pirkumam vai liel\u0101kiem remontdarbiem. UniKredits.lv pal\u012bdz sal\u012bdzin\u0101t da\u017e\u0101dus ilgtermi\u0146a kred\u012btu pied\u0101v\u0101jumus un atrast piem\u0113rot\u0101ko risin\u0101jumu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas ir ilgtermi\u0146a kred\u012bts?<\/h2>\n\n\n\n<p>Ilgtermi\u0146a kred\u012bts ir aizdevums ar atmaksas termi\u0146u, kas parasti ir no viena gada l\u012bdz pat 20 vai vair\u0101k gadiem. \u0160\u0101da veida kred\u012bti \u013cauj sadal\u012bt maks\u0101jumus maz\u0101k\u0101s, regul\u0101r\u0101s da\u013c\u0101s, padarot liel\u0101kas summas pieejam\u0101kas ikdienas bud\u017eetam. Tie bie\u017ei tiek izmantoti k\u0101 strat\u0113\u0123isks finan\u0161u instruments ilgtermi\u0146a pl\u0101niem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101di ilgtermi\u0146a kred\u012bti ir pieejami?<\/h2>\n\n\n\n<p>UniKredits.lv pied\u0101v\u0101 iesp\u0113ju sal\u012bdzin\u0101t da\u017e\u0101dus ilgtermi\u0146a aizdevumu veidus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pat\u0113ri\u0146a kred\u012bti<\/strong> \u2013 liel\u0101kiem pirkumiem vai pakalpojumiem<\/li>\n\n\n\n<li><strong>Hipotek\u0101rie kred\u012bti<\/strong> \u2013 m\u0101jok\u013ca ieg\u0101dei vai b\u016bvniec\u012bbai<\/li>\n\n\n\n<li><strong>Auto kred\u012bti<\/strong> \u2013 transportl\u012bdzek\u013ca ieg\u0101dei<\/li>\n\n\n\n<li><strong>Kred\u012btu apvieno\u0161ana<\/strong> \u2013 vair\u0101ku aizdevumu apvieno\u0161ana vien\u0101<\/li>\n\n\n\n<li><strong>P\u0101rkredit\u0101cija<\/strong> \u2013 eso\u0161o kred\u012btu aizst\u0101\u0161ana ar izdev\u012bg\u0101kiem nosac\u012bjumiem<\/li>\n<\/ul>\n\n\n\n<p>\u0160ie risin\u0101jumi \u013cauj piel\u0101got aizdevumu konkr\u0113t\u0101m vajadz\u012bb\u0101m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ilgtermi\u0146a kred\u012btu priek\u0161roc\u012bbas<\/h2>\n\n\n\n<p><strong>1. Maz\u0101ki ikm\u0113ne\u0161a maks\u0101jumi<\/strong><br>Pateicoties gar\u0101kam termi\u0146am, maks\u0101jumi tiek sadal\u012bti vienm\u0113r\u012bg\u0101k.<\/p>\n\n\n\n<p><strong>2. Liel\u0101kas aizdevuma summas<\/strong><br>Iesp\u0113jams sa\u0146emt iev\u0113rojami liel\u0101kus finan\u0161u l\u012bdzek\u013cus.<\/p>\n\n\n\n<p><strong>3. Piem\u0113rots lieliem m\u0113r\u0137iem<\/strong><br>Ide\u0101li piem\u0113rots m\u0101joklim, auto vai citiem noz\u012bm\u012bgiem pirkumiem.<\/p>\n\n\n\n<p><strong>4. Stabilit\u0101te un pl\u0101no\u0161ana<\/strong><br>Regul\u0101ri maks\u0101jumi pal\u012bdz lab\u0101k pl\u0101not bud\u017eetu ilgtermi\u0146\u0101.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Iesp\u0113jamie tr\u016bkumi<\/h2>\n\n\n\n<p>Neskatoties uz priek\u0161roc\u012bb\u0101m, ilgtermi\u0146a kred\u012btiem ir ar\u012b savi riski:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>liel\u0101kas kop\u0113j\u0101s izmaksas procentu d\u0113\u013c<\/li>\n\n\n\n<li>ilgsto\u0161as finan\u0161u saist\u012bbas<\/li>\n\n\n\n<li>nepiecie\u0161ama stabila maks\u0101tsp\u0113ja ilgtermi\u0146\u0101<\/li>\n<\/ul>\n\n\n\n<p>T\u0101p\u0113c pirms aiz\u0146em\u0161an\u0101s svar\u012bgi r\u016bp\u012bgi izv\u0113rt\u0113t savas iesp\u0113jas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101 izv\u0113l\u0113ties piem\u0113rot\u0101ko ilgtermi\u0146a kred\u012btu?<\/h2>\n\n\n\n<p>Izv\u0113loties kred\u012btu, piev\u0113rsiet uzman\u012bbu \u0161\u0101diem faktoriem:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gada procentu likmei (GPL)<\/li>\n\n\n\n<li>kop\u0113jai atmaksas summai<\/li>\n\n\n\n<li>atmaksas termi\u0146am<\/li>\n\n\n\n<li>l\u012bguma nosac\u012bjumiem<\/li>\n\n\n\n<li>papildu maks\u0101m<\/li>\n<\/ul>\n\n\n\n<p>UniKredits.lv \u013cauj sal\u012bdzin\u0101t \u0161os parametrus da\u017e\u0101du aizdev\u0113ju pied\u0101v\u0101jumos vienuviet.<\/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 ilgtermi\u0146a kred\u012btam parasti ietver:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>V\u0113lam\u0101s summas un termi\u0146a izv\u0113li<\/li>\n\n\n\n<li>Pieteikuma aizpild\u012b\u0161anu tie\u0161saist\u0113<\/li>\n\n\n\n<li>Kred\u012btsp\u0113jas izv\u0113rt\u0113\u0161anu<\/li>\n\n\n\n<li>L\u012bguma nosl\u0113g\u0161anu<\/li>\n\n\n\n<li>Naudas sa\u0146em\u0161anu<\/li>\n<\/ol>\n\n\n\n<p>Da\u017eos gad\u012bjumos var b\u016bt nepiecie\u0161ami papildu dokumenti, piem\u0113ram, ien\u0101kumu apliecin\u0101jums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Atbild\u012bga aiz\u0146em\u0161an\u0101s<\/h2>\n\n\n\n<p>Ilgtermi\u0146a kred\u012bts ir nopietns l\u0113mums, t\u0101p\u0113c svar\u012bgi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>izv\u0113rt\u0113t savus ien\u0101kumus un izdevumus<\/li>\n\n\n\n<li>neveidot p\u0101rm\u0113r\u012bgas saist\u012bbas<\/li>\n\n\n\n<li>pl\u0101not bud\u017eetu ilgtermi\u0146\u0101<\/li>\n\n\n\n<li>izv\u0113l\u0113ties uzticamu aizdev\u0113ju<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Secin\u0101jums<\/h2>\n\n\n\n<p>Ilgtermi\u0146a kred\u012bti ir efekt\u012bvs veids, k\u0101 realiz\u0113t liel\u0101kus dz\u012bves m\u0113r\u0137us, sadalot maks\u0101jumus ilg\u0101k\u0101 laika period\u0101. Tie sniedz stabilit\u0101ti un elast\u012bbu, ta\u010du prasa atbild\u012bgu pieeju. Izmantojot UniKredits.lv, iesp\u0113jams \u0113rti sal\u012bdzin\u0101t da\u017e\u0101dus pied\u0101v\u0101jumus un atrast vispiem\u0113rot\u0101ko risin\u0101jumu sav\u0101m vajadz\u012bb\u0101m.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ilgtermi\u0146a kred\u012bti ir viens no popul\u0101r\u0101kajiem finans\u0113\u0161anas veidiem, kad nepiecie\u0161ama liel\u0101ka naudas summa un iesp\u0113ja to atmaks\u0101t pak\u0101peniski ilg\u0101k\u0101 laika period\u0101. Tie ir piem\u0113roti noz\u012bm\u012bgiem dz\u012bves notikumiem un ieguld\u012bjumiem, piem\u0113ram, m\u0101jok\u013ca ieg\u0101dei, auto pirkumam vai liel\u0101kiem remontdarbiem. UniKredits.lv pal\u012bdz sal\u012bdzin\u0101t da\u017e\u0101dus ilgtermi\u0146a kred\u012btu pied\u0101v\u0101jumus un atrast piem\u0113rot\u0101ko risin\u0101jumu. Kas ir ilgtermi\u0146a kred\u012bts? Ilgtermi\u0146a kred\u012bts ir [&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-49","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/49","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=49"}],"version-history":[{"count":1,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/49\/revisions"}],"predecessor-version":[{"id":50,"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/pages\/49\/revisions\/50"}],"wp:attachment":[{"href":"https:\/\/www.unikredits.lv\/ru\/wp-json\/wp\/v2\/media?parent=49"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}