{"id":11548,"date":"2023-11-07T08:43:57","date_gmt":"2023-11-07T06:43:57","guid":{"rendered":"https:\/\/www.autodna.lv\/blog\/?p=11548"},"modified":"2023-11-07T08:43:57","modified_gmt":"2023-11-07T06:43:57","slug":"lietota-auto-iegade-kredita-prieksrocibas-un-trukumi","status":"publish","type":"post","link":"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/","title":{"rendered":"Lietota auto ieg\u0101de kred\u012bt\u0101 &#8211; priek\u0161roc\u012bbas un tr\u016bkumi"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Satura r\u0101d\u012bt\u0101js<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e2b769811c7\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e2b769811c7\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Lizinga_auto_vai_pirkts_kredita\" >L\u012bzinga auto vai pirkts kred\u012bt\u0101?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Lietots_auto_uz_kredita_%E2%80%93_ka_tas_strada\" >Lietots auto uz kred\u012bta &#8211; k\u0101 tas str\u0101d\u0101?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Kadas_ir_iespejas\" >K\u0101das ir iesp\u0113jas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Kadi_ir_alternativi_risinajumi\" >K\u0101di ir alternat\u012bvi risin\u0101jumi?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Lietots_auto_ka_finansu_rezerve\" >Lietots auto k\u0101 finan\u0161u rezerve<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Lietota_auto_iegade_kredita_%E2%80%93_prieksrocibas_un_trukumi\" >Lietota auto ieg\u0101de kred\u012bt\u0101 \u2013 priek\u0161roc\u012bbas un tr\u016bkumi<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Lietota_auto_iegade_kredita_prieksrocibas\" >Lietota auto ieg\u0101de kred\u012bt\u0101 priek\u0161roc\u012bbas:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Lietota_auto_iegade_kredita_riski_un_trukumi\" >Lietota auto ieg\u0101de kred\u012bt\u0101 riski un tr\u016bkumi:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.autodna.lv\/blog\/lietota-auto-iegade-kredita-prieksrocibas-un-trukumi\/#Kopsavilkums\" >Kopsavilkums<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>Esi vai neesi k\u0101das automa\u0161\u012bnas \u012bpa\u0161nieks, jebkur\u0101 gad\u012bjum\u0101 noskatot jaunu lietoto auto ir dilemma par to, k\u0101du <\/strong><strong>finan\u0161u<\/strong><strong> veidu izv\u0113l\u0113ties. <\/strong><strong>V<\/strong><strong>airumam n\u0101kamo pirc\u0113ju pirms tam ir r\u016bp\u012bgi j\u0101izv\u0113rt\u0113 <\/strong><strong>katrs <\/strong><strong>n\u0101kamais solis. T\u0101 ietekmi pirc\u0113jiem var n\u0101kties izjust v\u0113l ilg\u0101ku laiku p\u0113c sp\u0113krata ieg\u0101des. Iesp\u0113jas ir da\u017e\u0101das &#8211; \u0146em lieto\u0161an\u0101 k\u0101 l\u012bzinga auto vai ar\u012b nom\u0101t, maks\u0101t skaidr\u0101 naud\u0101 vai &#8211; \u0146emt kred\u012bt\u0101. Viss ir atkar\u012bgs no pirc\u0113ja iesp\u0113j\u0101m, izv\u0113les un ar\u012b termi\u0146a, cik ilgi esat gatavs b\u016bt k\u0101d\u0101s saist\u012bb\u0101s. M\u016bsu rakstu s\u0113rij\u0101 \u0161oreiz run\u0101sim par lietota auto ieg\u0101di, k\u0101d\u0101 finan\u0161u iest\u0101d\u0113 k\u0101rtojot aizdevumu.<\/strong><\/p>\n<p><!--more--><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lizinga_auto_vai_pirkts_kredita\"><\/span><strong>L\u012bzinga auto vai pirkts kred\u012bt\u0101?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Izv\u0113le uz\u0146emties \u012bs\u0101ka vai ilg\u0101ka termi\u0146a finansi\u0101l\u0101s saist\u012bbas nav viegla. Visvienk\u0101r\u0161\u0101k, protams, ir tad, ja automa\u0161\u012bnu ieg\u0101d\u0101jieties uzreiz skaidr\u0101 naud\u0101, par ko esam rakst\u012bju\u0161i cit\u0101 \u0161\u012bs s\u0113rijas rakst\u0101. Tad atliek tikai nok\u0101rtot formalit\u0101tes un pirc\u0113js k\u013c\u016bst par piln\u012bgu automa\u0161\u012bnas \u012bpa\u0161nieku.<\/p>\n<p>V\u0101rdi \u201c<strong>kred\u012bts<\/strong>\u201d un \u201c<strong>saist\u012bbas<\/strong>\u201d nereti rada \u0161ermu\u013cus, un tas ir saprotams &#8211; neviens no mums nev\u0113las maks\u0101t procentus par l\u012bzinga auto vai kred\u012bt\u0101 \u0146emtu automobili. Un, tom\u0113r &#8211; t\u0101 ir lieliska iesp\u0113ja ar sabalans\u0113tiem maks\u0101jumiem, kas ir piel\u0101goti atbilsto\u0161am grafikam saska\u0146\u0101 ar j\u016bsu re\u0101li pier\u0101d\u0101miem ien\u0101kumiem. Jo ilg\u0101ks termi\u0146\u0161, jo maz\u0101ka ikm\u0113ne\u0161a maks\u0101juma summa.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lietots_auto_uz_kredita_%E2%80%93_ka_tas_strada\"><\/span><strong>Lietots auto uz kred\u012bta &#8211; k\u0101 tas str\u0101d\u0101?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>K\u0101 r\u0101da statistika, m\u016bsdien\u0101s visbie\u017e\u0101k potenci\u0101lajiem pirc\u0113jiem nav tik daudz vai nav teju visp\u0101r l\u012bdzek\u013cu, lai var\u0113tu veikt jaunas automa\u0161\u012bnas ieg\u0101di uzreiz. Vai ar\u012b pirc\u0113js nev\u0113las izt\u0113r\u0113t visus uzkr\u0101jumus, lai uzreiz vai vismaz pusi no kopsummas samaks\u0101tu par noskat\u012bto auto. \u0160aj\u0101 gad\u012bjum\u0101 ir iesp\u0113ja ieg\u0101d\u0101ties lietotu auto uz kred\u012bta.<\/p>\n<p>\u0160obr\u012bd \u012bpa\u0161i auto ieg\u0101dei piel\u0101goti un pat vilino\u0161i pied\u0101v\u0101jumi vairs nav tik pla\u0161i izplat\u012bti k\u0101 agr\u0101k, turkl\u0101t bankas visp\u0101r \u013coti negrib\u012bgi izsniedz aizdevumus k\u0101 priv\u0101tperson\u0101m, t\u0101 uz\u0146\u0113mumiem. Tom\u0113r pied\u0101v\u0101jumi ir. Liel\u0101k\u0101s komercbankas, k\u0101 &#8220;<strong>Swedbank<\/strong>&#8220;, &#8220;<strong>Luminor<\/strong>&#8220;, &#8220;<strong>Citadele<\/strong>&#8221; un &#8220;<strong>SEB<\/strong>&#8220;, pied\u0101v\u0101 gan auto kredit\u0113\u0161anu, gan l\u012bzinga iesp\u0113jas. K\u0101 priv\u0101tperson\u0101m, t\u0101 juridiskaj\u0101m.<\/p>\n<p class=\"p1\"><b><div class=\"info-frame-container info-frame-magnifier info-iframe-border--blue\">\n      <div class=\"info-frame-icon info-frame-magnifier\"><\/div>\n\n\t\t\t<div class=\"info-frame-header info-frame-header-orange\"><\/div>\n\t\t\t<div class=\"info-frame-content\"><\/b><\/p>\n<p>Visas min\u0113t\u0101s liel\u0101k\u0101s komercbankas pied\u0101v\u0101 auto kred\u012bta summu l\u012bdz 20 000 eiro. Zem\u0101k\u0101 iesp\u0113jam\u0101 kredit\u0113\u0161anas summa ir at\u0161\u0137ir\u012bga. Piem\u0113ram, &#8220;SEB&#8221; pied\u0101v\u0101 kredit\u0113\u0161anu jau no 1000 eiro, &#8220;Luminor&#8221; &#8211; no 2000 eiro, bet &#8220;Swedbank&#8221; un &#8220;Citadele&#8221; &#8211; tikai no 3000 eiro. Turkl\u0101t visas bankas pied\u0101v\u0101 sa\u0146emt auto kred\u012btu bez pirm\u0101s iemaksas, kas ir \u013coti b\u016btisks faktors kred\u012bt\u0146\u0113m\u0113jam.<\/p>\n<p class=\"p1\"><b><\/div>\n    <\/div><\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Kadas_ir_iespejas\"><\/span><strong>K\u0101das ir iesp\u0113jas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Iesp\u0113ja ieg\u0101d\u0101ties k\u0101 l\u0113t\u0101ku, t\u0101 ar\u012b d\u0101rg\u0101ku lietotu automa\u0161\u012bnu (te var b\u016bt gan da\u017e\u0101das klases, gan auto izlaides gads un\/vai nolietojam\u012bba, nobraukums, u.c.), jo pieejam\u0101 kred\u012bta summa ir l\u012bdz pat 20 000 eiro. Te gan j\u0101\u0146em v\u0113r\u0101 ar\u012b bankas izv\u0113rt\u0113jums.<\/li>\n<li>Fiks\u0113ta procentu likme vis\u0101 kred\u012bta l\u012bguma darb\u012bbas laik\u0101 (zem\u0101k\u0101 likme ir vis\u0101m min\u0113taj\u0101m kred\u012btiest\u0101d\u0113m vien\u0101da &#8211; , augst\u0101k\u0101 &#8211; at\u0161\u0137ir\u012bga, t\u0101p\u0113c ir v\u0113rts izp\u0113t\u012bt).<\/li>\n<li>Atsevi\u0161\u0137os pied\u0101v\u0101jumos \u201cza\u013cajiem\u201d auto tiek pied\u0101v\u0101tas zem\u0101kas procentu likmes &#8211; no 6,9%.<\/li>\n<li>Nav nepiecie\u0161ama pirm\u0101 iemaksa, nedz \u0137\u012bla, u.c. pras\u012bbas, ar\u012b pras\u012bba p\u0113c KASKO.<\/li>\n<li>Auto kred\u012bts pieejams ar termi\u0146u no 1 l\u012bdz 7 gadiem.<\/li>\n<\/ul>\n<p class=\"p1\"><b><div class=\"info-frame-container info-frame-magnifier info-iframe-border--blue\">\n      <div class=\"info-frame-icon info-frame-magnifier\"><\/div>\n\n\t\t\t<div class=\"info-frame-header info-frame-header-orange\"><\/div>\n\t\t\t<div class=\"info-frame-content\"><\/b><\/p>\n<p>J\u0101\u0146em v\u0113r\u0101 ar\u012b tas, ka bankas pied\u0101v\u0101 sal\u012bdino\u0161i zemas procentu likmes (vis\u0101m \u010detr\u0101m bank\u0101m ir no 7,9% l\u012bdz pat, piem\u0113ram, &#8220;Swedbank&#8221; gad\u012bjum\u0101 &#8211; 16,9%, tas atkar\u012bb\u0101 no aizdevuma summas un kred\u012btv\u0113stures).<\/p>\n<p class=\"p1\"><b><\/div>\n    <\/div><\/b><\/p>\n<p>Ir v\u0113l viena iesp\u0113ja &#8211; noform\u0113t nevis auto kred\u012btu, bet parastu naudas aizdevumu jeb pat\u0113ri\u0146a kred\u012btu.<\/p>\n<p>V\u0113l ir b\u016btiski piebilst, ka aizdevuma priek\u0161roc\u012bba ir iesp\u0113ja apmaks\u0101t ar\u012b nepiecie\u0161amos papildu izdevumus, piem\u0113ram, par apdro\u0161in\u0101\u0161anu vai nepiecie\u0161amajiem citiem pakalpojumiem. K\u0101 m\u012bnusus var min\u0113t pirc\u0113ja kred\u012btsp\u0113jas pazemin\u0101\u0161an\u0101s riskus. Piem\u0113ram, ja k\u0101ds pl\u0101no n\u0101kotn\u0113 pieteikties hipotek\u0101rajam kred\u012btam m\u0101jok\u013ca ieg\u0101dei vai apsver nepiecie\u0161am\u012bbu nodro\u0161in\u0101t k\u0101dam finansi\u0101lu nodro\u0161in\u0101jumu.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Kadi_ir_alternativi_risinajumi\"><\/span><strong>K\u0101di ir alternat\u012bvi risin\u0101jumi?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ja tom\u0113r nev\u0113laties izmantot banku pakalpojumus vai ar\u012b jums \u0161\u012bs kred\u012btiest\u0101des atsaka kredit\u0113\u0161anu, ir iesp\u0113ja mekl\u0113t risin\u0101jumus citviet &#8211; mazaj\u0101s komercbank\u0101s vai nebanku kred\u012btiest\u0101d\u0113s. Tiesa, te bie\u017ei vien j\u0101r\u0113\u0137in\u0101s ar liel\u0101k\u0101m procentu likm\u0113m (m\u016bsdien\u0101s, iev\u0113rojot valsts noteikt\u0101s ierobe\u017eojo\u0161\u0101s pras\u012bbas, procentu likmes vairs nav astronomiskas), t\u0101d\u0113\u013c pirms pieteikuma iesnieg\u0161anas nepiecie\u0161ams veikt padzi\u013cin\u0101tu izp\u0113ti. Ta\u010du pieejam\u0101 kred\u012bta summas un atmaksas termi\u0146a amplit\u016bda ir pla\u0161\u0101ka nek\u0101 to pied\u0101v\u0101 liel\u0101k\u0101s komercbankas &#8211; no 500 l\u012bdz 25 000 eiro un no 3 m\u0113ne\u0161iem l\u012bdz 10 gadiem.<\/p>\n<ul>\n<li>Atkar\u012bb\u0101 no komerciest\u0101des, pied\u0101v\u0101t\u0101s auto kred\u012bta summas ir no 500 l\u012bdz 25 000 eiro (katrai iest\u0101dei ir at\u0161\u0137ir\u012bgs limits).<\/li>\n<li>Liel\u0101koties fiks\u0113tas procentu likmes vis\u0101 kred\u012bta l\u012bguma darb\u012bbas laik\u0101.<\/li>\n<li>Da\u017eiem kred\u012btdev\u0113jiem zem\u0101k\u0101 procentu likme ir nedaudz maz\u0101ka par komercbanku pied\u0101v\u0101taj\u0101m un nav j\u0101maks\u0101 par l\u012bguma noform\u0113\u0161anu.<\/li>\n<li>Liel\u0101koties bez pirm\u0101s iemaksas vai \u0137\u012blas, ta\u010du ir iz\u0146\u0113mumi.<\/li>\n<li>Auto kred\u012bts pieejams ar termi\u0146u no 3 m\u0113ne\u0161iem l\u012bdz 10 gadiem (atkar\u012bb\u0101 no kred\u012btdev\u0113ja).<\/li>\n<\/ul>\n<p>Protams, k\u0101 vien\u0101, t\u0101 otr\u0101 iesp\u0113ju variant\u0101 \u013coti smalki tiek izv\u0113rt\u0113ti klienta eso\u0161ie ien\u0101kumi un sp\u0113ja aizdevumu atmaks\u0101t. \u012apa\u0161a uzman\u012bba tiek piev\u0113rsta kred\u012btv\u0113sturei un izv\u0113rt\u0113tas citas eso\u0161\u0101s kred\u012btsaist\u012bbas, ja t\u0101das ir.<\/p>\n<p>Uz \u0161o pirk\u0161anas veidu da\u013c\u0113ji attiecas t\u0101 sauktais &#8220;50 pret 50&#8221; dar\u012bjums. Proti, \u0161is aizdevums noz\u012bm\u0113, ka automa\u0161\u012bnas ieg\u0101des dien\u0101 pirc\u0113js veic maks\u0101jumu 50% apm\u0113r\u0101 no sp\u0113krata cenas uzreiz, bet atliku\u0161o starp\u012bbu samaks\u0101 konkr\u0113t\u0101 laika period\u0101, piem\u0113ram, gada laik\u0101. V\u0113l viens variants, protams, ir l\u012bzinga auto, tas ir aprakst\u012bts \u0161aj\u0101 s\u0113rijas rakst\u0101 (links uz to).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lietots_auto_ka_finansu_rezerve\"><\/span><strong>Lietots auto k\u0101 finan\u0161u rezerve<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Var gad\u012bties vis\u0101di &#8211; p\u0113k\u0161\u0146i zaud\u0113ts darbs vai ar\u012b uzkr\u012bt k\u0101das citas probl\u0113mas, kas rada sare\u017e\u0123\u012bjumus kred\u012bta atmaksas veik\u0161anai. Ko dar\u012bt? Protams, var aiz\u0146emties priv\u0101ti, ta\u010du tas nemazin\u0101s kop\u0113jo saist\u012bbu apm\u0113ru. T\u0101p\u0113c ir ieteicams jau savlaic\u012bgi inform\u0113t par sare\u017e\u0123\u012bjumiem attiec\u012bgo kred\u012btiest\u0101di &#8211; tas bie\u017ei vien var dot jums iesp\u0113ju pa\u0146emt kred\u012btbr\u012bvdienas, par t\u0101m papildus nepiemaks\u0101jot. Uzreiz gan j\u0101saka, ka ne visas kred\u012btiest\u0101des to pied\u0101v\u0101 &#8211; ar\u012b \u0161o apst\u0101kli dro\u0161\u012bbas labad ir v\u0113rts iepriek\u0161 p\u0101rbaud\u012bt.<\/p>\n<p><em>Lasi v\u0113l:<\/em>\u00a0<a href=\"https:\/\/www.autodna.lv\/blog\/kam-pieverst-uzmanibu-perkot-auto-no-arzemem\/\">Kam piev\u0113rst uzman\u012bbu p\u0113rkot auto no \u0101rzem\u0113m<\/a><\/p>\n<p>Ir iesp\u0113ja kred\u012btu atmaks\u0101t ar\u012b \u0101tr\u0101k. Piem\u0113ram, esat \u0146\u0113mis aiz\u0146\u0113mumu, bet v\u0113l neesat paguvis p\u0101rdot savu l\u012bdz\u0161in\u0113jo automa\u0161\u012bnu. L\u012bdz ar to lieti noder\u0113s iepriek\u0161\u0113j\u0101 auto p\u0101rdo\u0161an\u0101 ieg\u016btie l\u012bdzek\u013ci, it \u012bpa\u0161i, ja auto p\u0101rdosiet pa\u0161i un \u0161is process ir ieildzis.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lietota_auto_iegade_kredita_%E2%80%93_prieksrocibas_un_trukumi\"><\/span><strong>Lietota auto ieg\u0101de kred\u012bt\u0101 \u2013 priek\u0161roc\u012bbas un tr\u016bkumi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Uzreiz j\u0101saka, ka jebkura no \u010detr\u0101m form\u0101m &#8211; auto ieg\u0101de par skaidru naudu, k\u0101 l\u012bzinga auto, \u0146emot kred\u012btu bank\u0101 vai nom\u0101 &#8211; ir ne vien ar vilino\u0161iem ieguvumiem un priek\u0161roc\u012bb\u0101m, bet ar\u012b ar zin\u0101miem tr\u016bkumiem. Nereti atsevi\u0161\u0137i faktori var iz\u0161\u0137irt konkr\u0113ta risin\u0101juma izv\u0113li.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lietota_auto_iegade_kredita_prieksrocibas\"><\/span><strong>Lietota auto ieg\u0101de kred\u012bt\u0101 priek\u0161roc\u012bbas:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>bez pirm\u0101s iemaksas (p\u0101rsvar\u0101);<\/li>\n<li>bie\u017ei vien nav nepiecie\u0161ams noskat\u012bt\u0101 auto v\u0113rt\u0113jums, nav ierobe\u017eojums automa\u0161\u012bnas vecumam;<\/li>\n<li>kred\u012bta summas amplit\u016bd\u0101 no 500 l\u012bdz 25 000 eiro;<\/li>\n<li>fiks\u0113tas procentu likmes, zem\u0101k\u0101s no 6,9%-7,9%;<\/li>\n<li>videi draudz\u012bgiem auto da\u017eas kred\u012btiest\u0101des pied\u0101v\u0101 zem\u0101kas procentu likmes;<\/li>\n<li>ilgs kred\u012bta atmaksas termi\u0146\u0161 &#8211; no 3 m\u0113ne\u0161iem l\u012bdz pat 10 gadiem;<\/li>\n<li>komercbankas pied\u0101v\u0101 kred\u012btmaks\u0101jumu apdro\u0161in\u0101\u0161anu;<\/li>\n<li>iesp\u0113ja finans\u0113t citus izdevumus, ne tikai auto ieg\u0101di (apdro\u0161in\u0101\u0161ana, serviss, u.c.);<\/li>\n<li>pirmstermi\u0146a atmaksas iesp\u0113ja bez papildu procentiem.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Lietota_auto_iegade_kredita_riski_un_trukumi\"><\/span><strong>Lietota auto ieg\u0101de kred\u012bt\u0101 riski un tr\u016bkumi<\/strong><strong>:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>ar\u012b bankas pa\u0161as aicina r\u016bp\u012bgi izv\u0113rt\u0113t \u0161\u0101da aiz\u0146\u0113muma form\u0101tu, nor\u0101dot, ka ne vienm\u0113r tas ir lab\u0101kais risin\u0101jums;<\/li>\n<li>nereti ir pras\u012bba iesniegt nodro\u0161in\u0101jumu (piem\u0113ram, vekselis, \u0137\u012bla, u.c.), ar saboj\u0101tu kred\u012btv\u0113sturi vai neatbilsto\u0161u kred\u012btsp\u0113ju j\u0101piesaista galvot\u0101js;<\/li>\n<li>da\u017ei pied\u0101v\u0101jumi prasa ieg\u0101d\u0101ties apdro\u0161in\u0101\u0161anu;<\/li>\n<li>at\u0161\u0137ir\u012bb\u0101 no l\u012bzinga, auto kred\u012bts pazemina pirc\u0113ja kred\u012btsp\u0113ju;<\/li>\n<li>nesp\u0113jot atmaks\u0101t kred\u012btu, past\u0101v risks zaud\u0113t automa\u0161\u012bnu.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Kopsavilkums\"><\/span><strong>Kopsavilkums<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Saprotams, ka jebkuram pirc\u0113jam gribas automa\u0161\u012bnu sav\u0101 r\u012bc\u012bb\u0101 ieg\u016bt tagad un t\u016bl\u012bt. Ta\u010du m\u016bsu ieteikums ir vienm\u0113r izv\u0113rt\u0113t konkr\u0113to situ\u0101ciju gan sava un \u0123imenes bud\u017eeta kontekst\u0101, apzin\u0101ties savu maks\u0101tsp\u0113ju un vai t\u0101 rezult\u0101t\u0101 nerad\u012bsies k\u0101di riski turpm\u0101k\u0101 n\u0101kotn\u0113, nebaid\u012bties apsv\u0113rt potenci\u0101las papildu izmaksas n\u0101kotn\u0113 vai pat izskat\u012bt varb\u016bt\u012bbu tom\u0113r mazliet paciesties ilg\u0101k un uz \u012bsu laika spr\u012bdi atlikt jauna auto ieg\u0101di l\u012bdz br\u012bdim, kad b\u016bsiet uzkr\u0101jis naudas l\u012bdzek\u013cus ar zin\u0101mu rezervi.<\/p>\n<p class=\"p1\"><b><div class=\"info-frame-container info-frame-magnifier info-iframe-border--blue\">\n      <div class=\"info-frame-icon info-frame-magnifier\"><\/div>\n\n\t\t\t<div class=\"info-frame-header info-frame-header-orange\">Izsaki viedokli<\/div>\n\t\t\t<div class=\"info-frame-content\"><\/b><\/p>\n<p class=\"p1\">Vai Jums patika raksts? Iesp\u0113jams, Jums ir k\u0101di jaut\u0101jumi vai koment\u0101ri? M\u0113s aicin\u0101m J\u016bs dal\u012bties sav\u0101 viedokl\u012b un izteikties zem raksta. K\u0101 ar\u012b atcerieties \u2013 vienm\u0113r pirms ieg\u0101d\u0101ties automa\u0161\u012bnu, motociklu vai pat piekabi \u2013 p\u0101rbaudi t\u0101 v\u0113sturi ar\u00a0<a href=\"https:\/\/www.autodna.lv\/\"><span class=\"s1\">autoDNA<\/span><\/a>\u00a0p\u0113c VIN numura.\u00a0<a href=\"https:\/\/www.autodna.lv\/vin-parbaude\"><span class=\"s1\">VIN p\u0101rbaude<\/span><\/a>\u00a0ir viena no svar\u012bg\u0101kaj\u0101m liet\u0101m, kas ir j\u0101izdara, pirms pie\u0146emt l\u0113mumu par lietotas automa\u0161\u012bnas ieg\u0101di. autoDNA ar\u00a0<a href=\"https:\/\/www.autodna.lv\/automasinas-vesture\"><span class=\"s1\">transportl\u012bdzek\u013ca v\u0113stures atskaiti<\/span><\/a>\u00a0pal\u012bdz\u0113s Jums pie\u0146emt inform\u0113tu l\u0113mumu.<\/p>\n<p class=\"p1\"><b><\/div>\n    <\/div><\/b><\/p>\n<p class=\"p1\"><b><div class=\"check-vin-btn-container check-vin-btn-container--orange\">\n\t\t\t\t\t\t<div class=\"check-vin-btn--arrow\"><\/div>\n\t\t\t\t\t\t<iframe id=\"ASD-PA-0005010200-31-5449\" title=\"Ieg\u0101d\u0101jieties autoDNA zi\u0146ojumus komplekt\u0101\" src=\"https:\/\/afilio.autodna.lv\/ext\/load\/0005010200\/31?p_label=P%C4%81rbaudi+VIN+numuru&p_color=orange\" style=\"width: 271px; height: 59px; border: 0;\" scrolling=\"no\"><\/iframe><script type=\"text\/javascript\">PA.load(\"0005010200-31-5449\", \"pakas\");<\/script>\r\n\r\n\n\t\t\t\t\t<\/div><\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Esi vai neesi k\u0101das automa\u0161\u012bnas \u012bpa\u0161nieks, jebkur\u0101 gad\u012bjum\u0101 noskatot jaunu lietoto auto ir dilemma par to, k\u0101du finan\u0161u veidu izv\u0113l\u0113ties. Vairumam n\u0101kamo pirc\u0113ju pirms tam ir r\u016bp\u012bgi j\u0101izv\u0113rt\u0113 katrs n\u0101kamais solis. T\u0101 ietekmi pirc\u0113jiem var n\u0101kties izjust v\u0113l ilg\u0101ku laiku p\u0113c sp\u0113krata ieg\u0101des. Iesp\u0113jas ir da\u017e\u0101das &#8211; \u0146em lieto\u0161an\u0101 k\u0101 l\u012bzinga auto vai ar\u012b nom\u0101t, maks\u0101t skaidr\u0101 naud\u0101 vai &#8211; \u0146emt kred\u012bt\u0101. Viss ir atkar\u012bgs no pirc\u0113ja iesp\u0113j\u0101m, izv\u0113les un ar\u012b termi\u0146a, cik ilgi esat gatavs b\u016bt k\u0101d\u0101s saist\u012bb\u0101s. M\u016bsu rakstu s\u0113rij\u0101 \u0161oreiz run\u0101sim par lietota auto ieg\u0101di, k\u0101d\u0101 finan\u0161u iest\u0101d\u0113 k\u0101rtojot aizdevumu.<\/p>\n","protected":false},"author":12,"featured_media":11549,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3729,3731,3726],"tags":[4050,4051],"class_list":["post-11548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autodna-iesaka","category-blog","category-viss","tag-auto-kredita","tag-auto-kredits"],"_links":{"self":[{"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/posts\/11548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/comments?post=11548"}],"version-history":[{"count":1,"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/posts\/11548\/revisions"}],"predecessor-version":[{"id":11550,"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/posts\/11548\/revisions\/11550"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/media\/11549"}],"wp:attachment":[{"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/media?parent=11548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/categories?post=11548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.autodna.lv\/blog\/wp-json\/wp\/v2\/tags?post=11548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}