{"id":144,"date":"2019-11-22T10:46:18","date_gmt":"2019-11-22T10:46:18","guid":{"rendered":"https:\/\/www.polisubanka.lv\/blog\/?p=144"},"modified":"2020-04-28T12:08:22","modified_gmt":"2020-04-28T12:08:22","slug":"muzigais-jautajums-pirkt-vai-iret-dzivokli","status":"publish","type":"post","link":"https:\/\/www.polisubanka.lv\/blog\/muzigais-jautajums-pirkt-vai-iret-dzivokli\/","title":{"rendered":"M\u016b\u017e\u012bgais jaut\u0101jums – pirkt vai \u012br\u0113t dz\u012bvokli?"},"content":{"rendered":"

Saprast – dz\u012bvokli pirkt vai \u012br\u0113t<\/a>, ir diezgan sare\u017e\u0123\u012bts finansi\u0101ls un emocion\u0101ls l\u0113mums. Turkl\u0101t uz \u0161o m\u016b\u017e\u012bgo jaut\u0101jumu viennoz\u012bm\u012bgas atbildes nav un nemaz nevar b\u016bt. Ir reizes, kad daudz racion\u0101l\u0101k ir dz\u012bvokli ieg\u0101d\u0101ties, ta\u010du ir ar\u012b gad\u012bjumi, kad izdev\u012bg\u0101k ir m\u0101jokli \u012br\u0113t – tas viss atkar\u012bgs no konkr\u0113t\u0101s situ\u0101cijas un iesp\u0113j\u0101m.<\/span><\/p>\n

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Lai nu k\u0101, bie\u017ei vien starp \u0161iem abiem variantiem finansi\u0101l\u0101 zi\u0146\u0101 nav lielu at\u0161\u0137ir\u012bbu, t\u0101d\u0113\u013c, lai izdar\u012btu izv\u0113li, j\u0101\u0146em v\u0113r\u0101 v\u0113l da\u017ei faktori. Par tiem vair\u0101k turpin\u0101jum\u0101.<\/strong>\u00a0<\/span><\/p>\n

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Nekustam\u0101 \u012bpa\u0161uma ieg\u0101des priek\u0161roc\u012bbas\u00a0<\/b><\/h2>\n

Ieg\u0101d\u0101joties dz\u012bvokli, ieg\u016bsi stabilit\u0101ti<\/strong>. Tam neb\u016bs cita saimnieka, kura noteikumi j\u0101\u0146em v\u0113ra, neb\u016bs ar\u012b j\u0101uztraucas par to, ka \u012bpa\u0161nieks p\u0113k\u0161\u0146i v\u0113l\u0113sies lauzt \u012bres l\u012bgumu un Tev n\u0101ksies mekl\u0113t jaunu dz\u012bvesvietu.\u00a0<\/span><\/p>\n

N\u0101kam\u0101 b\u016btisk\u0101 priek\u0161roc\u012bba ir br\u012bv\u012bba. Ar savu m\u0101jokli vari dar\u012bt, ko vien v\u0113lies<\/a>, piem\u0113ram, veikt pamat\u012bgu p\u0101rb\u016bvi, nokr\u0101sot griestus purpursarkan\u0101 kr\u0101s\u0101 vai ier\u012bkot saunu.\u00a0<\/span><\/p>\n

Ar\u012b finansi\u0101l\u0101 zi\u0146\u0101 g\u016bsi p\u0101rliec\u012bbu, ka \u0161is ir ieguld\u012bjums Tav\u0101 n\u0101kotn\u0113, un katrs m\u0113ne\u0161a maks\u0101jums ir solis pret\u012b br\u012bdim, kad \u0161is \u012bpa\u0161ums pieder\u0113s tikai un vien\u012bgi Tev.<\/p>\n

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Nekustam\u0101 \u012bpa\u0161uma \u012bres priek\u0161roc\u012bbas\u00a0<\/b><\/h2>\n

Ar\u012b nekustam\u0101 \u012bpa\u0161uma \u012br\u0113\u0161anai ir savas priek\u0161roc\u012bbas. K\u0101 pirmo var min\u0113t elast\u012bbu<\/strong> – \u012br\u0113jot dz\u012bvokli, Tu neuz\u0146emies ilgtermi\u0146a saist\u012bbas. Tu vari diezgan \u0101tri un vienk\u0101r\u0161i p\u0101rcelties uz dz\u012bvi citur, ja Tevi neapmierina kaimi\u0146i vai \u012bres maks\u0101jumu apm\u0113rs.\u00a0<\/span><\/p>\n

Nereti \u012br\u0113tam dz\u012bvoklim ir zem\u0101kas uztur\u0113\u0161anas izmaksas – parasti \u012brnieka atbild\u012bba ir vien komun\u0101lie maks\u0101jumi, ja vien l\u012bgum\u0101 nav noteikts cit\u0101di. Savuk\u0101rt, \u012bpa\u0161niekam j\u0101r\u0113\u0137in\u0101s ar nekustam\u0101 \u012bpa\u0161uma nodokli un remonta izmaks\u0101m. Ar\u012b <\/span>dz\u012bvok\u013ca apdro\u0161in\u0101\u0161ana<\/a>\u00a0prasa zin\u0101mus ieguld\u012bjumus. Protams, papildu komun\u0101lajiem maks\u0101jumiem \u012brnieks maks\u0101 ar\u012b par ties\u012bb\u0101m dz\u012bvot konkr\u0113taj\u0101 dz\u012bvokl\u012b, ta\u010du, ja dz\u012bvok\u013ca ieg\u0101dei tiek noform\u0113ts hipotek\u0101rais kred\u012bts, t\u0101 ikm\u0113ne\u0161a maks\u0101jums b\u016bs aptuveni \u012bres maksas apm\u0113r\u0101.<\/span><\/p>\n

\u012ar\u0113jot dz\u012bvokli, j\u0101uz\u0146emas maz\u0101ka atbild\u012bba – pilo\u0161a vannas istabas kr\u0101na remontu veiks k\u0101ds cits (protams, ja saimnieks gausi rea\u0123\u0113 uz probl\u0113m\u0101m, tas var neb\u016bt \u012bpa\u0161i jauki). Viss, kas \u012brniekam j\u0101dara – stingri j\u0101iev\u0113ro l\u012bguma noteikumi. Par p\u0101r\u0113jo par\u016bp\u0113jas m\u0101jok\u013ca \u012bpa\u0161nieks<\/a>.\u00a0<\/span><\/p>\n

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Ir skaidrs, ka \u0161is l\u0113mums nav tikai finansi\u0101ls, t\u0101d\u0113\u013c to ir gr\u016bti visp\u0101rin\u0101t. J\u0101, dz\u012bvok\u013ca \u012br\u0113\u0161ana neparedz tik lielu atbild\u012bbu un lielus ieguld\u012bjumus, tom\u0113r m\u0101jok\u013ca ieg\u0101de sniedz daudz citu priek\u0161roc\u012bbu.\u00a0<\/span><\/p>\n

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K\u0101 izv\u0113l\u0113ties – \u012br\u0113t vai pirkt nekustamo \u012bpa\u0161umu?<\/strong><\/h2>\n

Lab\u0101kais veids, k\u0101 saprast, kur\u0161 no variantiem ir lab\u0101kais Tav\u0101 gad\u012bjum\u0101, ir izv\u0113rt\u0113t savus m\u0113r\u0137us un atbild\u0113t uz da\u017eiem jaut\u0101jumiem:<\/span><\/p>\n

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