{"id":103900,"date":"2026-10-27T11:32:13","date_gmt":"2026-10-27T09:32:13","guid":{"rendered":"https:\/\/www.baltic-course.com\/lv\/?p=103900"},"modified":"2026-10-27T11:32:13","modified_gmt":"2026-10-27T09:32:13","slug":"krapnieku-aktivitasu-del-tukstosiem-cilveku-pasi-sev-liegusi-iespeju-panemt-kreditu","status":"publish","type":"post","link":"https:\/\/www.baltic-course.com\/lv\/krapnieku-aktivitasu-del-tukstosiem-cilveku-pasi-sev-liegusi-iespeju-panemt-kreditu\/103900","title":{"rendered":"Kr\u0101pnieku aktivit\u0101\u0161u d\u0113\u013c t\u016bksto\u0161iem cilv\u0113ku pa\u0161i sev liegu\u0161i iesp\u0113ju pa\u0146emt kred\u012btu"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-103901\" src=\"https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2026\/10\/WhatsApp-Image-2026-10-26-at-16.23.55.jpeg\" alt=\"\" width=\"818\" height=\"460\" srcset=\"https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2026\/10\/WhatsApp-Image-2026-10-26-at-16.23.55.jpeg 818w, https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2026\/10\/WhatsApp-Image-2026-10-26-at-16.23.55-768x432.jpeg 768w, https:\/\/www.baltic-course.com\/lv\/wp-content\/uploads\/2026\/10\/WhatsApp-Image-2026-10-26-at-16.23.55-71x40.jpeg 71w\" sizes=\"auto, (max-width: 818px) 100vw, 818px\" \/><\/p>\n<p><strong>Naudas izkr\u0101p\u0113ju aktivit\u0101t\u0113m nerimstoties un izkr\u0101p\u0161anas sh\u0113m\u0101m k\u013c\u016bstot rafin\u0113t\u0101k\u0101m, iedz\u012bvot\u0101jiem pastiprin\u0101ti j\u0101dom\u0101 par uzkr\u0101jumu sarg\u0101\u0161anu no \u013caundariem. Tas ietver ne vien \u013coti kritisku katras telefonsarunas un \u012bszi\u0146as izv\u0113rt\u0113\u0161anu, bet ar\u012b m\u0113r\u0137tiec\u012bgu r\u012bc\u012bbu, lai mazin\u0101tu emocion\u0101lu l\u0113mumu pie\u0146em\u0161anas risku. T\u016bksto\u0161iem cilv\u0113ku to jau izdar\u012bju\u0161i, liedzot sev iesp\u0113ju noform\u0113t nev\u0113lamu kred\u012btu un ar\u012b r\u016bp\u012bgi sal\u012bdzinot finan\u0161u pakalpojumu sniedz\u0113ju pied\u0101v\u0101jumus.<\/strong><\/p><div class=\"2e6ae01b4f90ae739e66a2cc7f5e8528\" data-index=\"1\" style=\"float: none; margin:10px 0 10px 0; text-align:center;\">\n <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8775106392232080\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Baltic course LV aug\u0161a -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8775106392232080\"\r\n     data-ad-slot=\"4540934099\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n\n<p>Neskait\u0101mu izkr\u0101p\u0161anas gad\u012bjumu anal\u012bze r\u0101da, ka kr\u0101pnieku sabied\u0113ti cilv\u0113ki r\u012bkojas emocion\u0101li un cen\u0161as sar\u016bp\u0113t piepras\u012bto naudas summu ar\u012b tad, ja pa\u0161iem uzkr\u0101jumu nemaz nav. \u0160im nol\u016bkam bie\u017ei vien tiek noform\u0113ts kred\u012bts un nauda atdota izkr\u0101p\u0113jiem, rezult\u0101t\u0101 paliekot ne vien bez l\u012bdzek\u013ciem, bet ar\u012b ar pamat\u012bgu par\u0101du.<\/p>\n<p>Lai nov\u0113rstu \u0161\u0101du situ\u0101ciju, iedz\u012bvot\u0101ji arvien akt\u012bv\u0101k mekl\u0113 iesp\u0113jas pasarg\u0101t sevi no nev\u0113lam\u0101m finan\u0161u saist\u012bb\u0101m. AS <em>CREFO Birojs <\/em>dati liecina, ka jau vair\u0101k nek\u0101 10 t\u016bksto\u0161i personu \u0161aj\u0101 Latvij\u0101 licenc\u0113taj\u0101 kred\u012btinform\u0101cijas biroja datub\u0101z\u0113 ir veiku\u0161as atz\u012bmi par nev\u0113l\u0113\u0161anos sa\u0146emt kred\u012btu. Turkl\u0101t 42,7% \u0161o personu \u0161obr\u012bd nav akt\u012bvu kred\u012btsaist\u012bbu, kas liecina, ka l\u0113mums var b\u016bt saist\u012bts ne tikai ar v\u0113lmi izvair\u012bties no saist\u012bbu sloga, bet ar\u012b ar r\u016bp\u0113m par savu finan\u0161u dro\u0161\u012bbu.<\/p>\n<p>\u00abT\u0101 k\u0101 <em>AS CREFO Birojs<\/em> m\u0101jas lap\u0101 ir iesp\u0113ja nor\u0101d\u012bt iemeslu l\u0113mumam liegt sev iesp\u0113ju sa\u0146emt kred\u012btu, skaidri redzam \u0161\u0101das r\u012bc\u012bbas mot\u012bvus. No vis\u0101m person\u0101m, kas to nor\u0101d\u012bju\u0161as, 73,5% izv\u0113l\u0113ju\u0161\u0101s atbildi \u00abV\u0113los ierobe\u017eot savu datu izmanto\u0161anu kr\u0101pniec\u012bbas nol\u016bkiem\u00bb, savuk\u0101rt 13,7% lietot\u0101ju atz\u012bm\u0113ju\u0161i, ka \u0161obr\u012bd nev\u0113las ieg\u0101d\u0101ties preces ar p\u0113capmaksu. Tas uzskat\u0101mi par\u0101da, ka cilv\u0113ki pastiprin\u0101ti dom\u0101, k\u0101 mazin\u0101t risku,\u00bb datus koment\u0113 <em>CREFO Birojs<\/em> Valdes priek\u0161s\u0113d\u0113t\u0101ja <strong>M\u0101ra Meiere<\/strong>.<\/p>\n<p>Gad\u012bjumos, kad tom\u0113r aizdevums nepiecie\u0161ams p\u0101rdom\u0101tiem pirkumiem, svar\u012bgi izv\u0113l\u0113ties p\u0101rbaud\u0101mus pakalpojumu sniedz\u0113jus un skaidri saprast pied\u0101v\u0101tos nosac\u012bjumus. Piem\u0113ram, kred\u012btu sal\u012bdzin\u0101\u0161anas tie\u0161saistes platforma<a href=\"https:\/\/www.samazini.lv\/lv?utm_source=prcampaign&amp;utm_medium=10.2026&amp;utm_campaign=article2\" target=\"_blank\" rel=\"noopener\"> <em>Samazini.lv<\/em> <\/a>k\u0101 licenc\u0113ts kred\u012bta starpnieks pied\u0101v\u0101 izv\u0113l\u0113ties piem\u0113rot\u0101ko no vair\u0101kiem pied\u0101v\u0101jumiem, k\u0101 ar\u012b atrast izdev\u012bg\u0101k\u0101s kred\u012btu refinans\u0113\u0161anas iesp\u0113jas, tostarp vair\u0101ku maks\u0101jumu apvieno\u0161anu vien\u0101.<\/p>\n<p>Abos gad\u012bjumos b\u016btisk\u0101kais ir viens \u2013 iedz\u012bvot\u0101ju sp\u0113ja apzin\u0101ti pie\u0146emt l\u0113mumus par sav\u0101m finans\u0113m, nevis \u013caut apst\u0101k\u013ciem noteikt vi\u0146u finansi\u0101lo situ\u0101ciju.<\/p>\n<p>\u00abR\u016bp\u0113ties par sav\u0101m finans\u0113m noz\u012bm\u0113 ne tikai ne\u0146emt liekus kred\u012btus, bet ar\u012b pieskat\u012bt eso\u0161os. Ir v\u0113rts laiku pa laikam apskat\u012bties, cik kop\u0101 m\u0113nes\u012b aiziet kred\u012btu maks\u0101jumiem. M\u016bsu dati liecina, ka sal\u012bdzinot pied\u0101v\u0101jumus un refinans\u0113jot d\u0101rg\u0101kos kred\u012btus, m\u0113ne\u0161a maks\u0101jumus var samazin\u0101t vid\u0113ji par 250 eiro. Ja pa\u0161am \u0161\u0137iet sare\u017e\u0123\u012bti, m\u016bsu pieredz\u0113jus\u012b komanda pal\u012bdz\u0113s atrast lab\u0101ko variantu,\u00bb saka <em>Samazini.lv <\/em>z\u012bmola v\u0113stnesis <strong>Andris Ozoli\u0146\u0161.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Par CREFO Biroju<\/strong><\/p>\n<p>AS <em>CREFO Birojs <\/em>ir licenc\u0113ts kred\u012btinform\u0101cijas birojs, kas veicina atbild\u012bgu kredit\u0113\u0161anas vidi Latvij\u0101. Tas apkopo noz\u012bm\u012bg\u0101kos kred\u012btinform\u0101cijas avotus un nodro\u0161ina iedz\u012bvot\u0101jiem iesp\u0113ju ieg\u016bt p\u0101rskat\u0101mu inform\u0101ciju par sav\u0101m finan\u0161u saist\u012bb\u0101m un kred\u012btv\u0113sturi.<\/p>\n<p><strong>Par Samazini.lv<\/strong><\/p>\n<p><em>Samazini.lv<\/em> ir Latvij\u0101 licenc\u0113ts strauji augo\u0161s kred\u012bta starpnieks, kas darbojas pat\u0113ri\u0146a kredit\u0113\u0161an\u0101, auto l\u012bzing\u0101 un ar nekustamo \u012bpa\u0161umu saist\u012btos dar\u012bjumos. Pieredz\u0113jus\u012b <em>Samazini.lv<\/em> komanda jau \u0161obr\u012bd konsult\u0113 vair\u0101k nek\u0101 10 000 klientu m\u0113nes\u012b, un ar platformas pal\u012bdz\u012bbu ik m\u0113nesi tiem refinans\u0113ti aptuveni 3000 aizdevumu.<\/p>\n\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Naudas izkr\u0101p\u0113ju aktivit\u0101t\u0113m nerimstoties un izkr\u0101p\u0161anas sh\u0113m\u0101m k\u013c\u016bstot rafin\u0113t\u0101k\u0101m, iedz\u012bvot\u0101jiem pastiprin\u0101ti j\u0101dom\u0101 par uzkr\u0101jumu sarg\u0101\u0161anu no \u013caundariem.<\/p>\n","protected":false},"author":53,"featured_media":103901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[2231],"tags":[],"class_list":["post-103900","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zinas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kr\u0101pnieku aktivit\u0101\u0161u d\u0113\u013c t\u016bksto\u0161iem cilv\u0113ku pa\u0161i sev liegu\u0161i iesp\u0113ju pa\u0146emt kred\u012btu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.baltic-course.com\/lv\/krapnieku-aktivitasu-del-tukstosiem-cilveku-pasi-sev-liegusi-iespeju-panemt-kreditu\/103900\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kr\u0101pnieku aktivit\u0101\u0161u d\u0113\u013c t\u016bksto\u0161iem cilv\u0113ku pa\u0161i sev liegu\u0161i iesp\u0113ju pa\u0146emt kred\u012btu\" \/>\n<meta property=\"og:description\" content=\"Naudas izkr\u0101p\u0113ju aktivit\u0101t\u0113m nerimstoties un izkr\u0101p\u0161anas sh\u0113m\u0101m k\u013c\u016bstot rafin\u0113t\u0101k\u0101m, iedz\u012bvot\u0101jiem pastiprin\u0101ti j\u0101dom\u0101 par uzkr\u0101jumu sarg\u0101\u0161anu no \u013caundariem.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.baltic-course.com\/lv\/krapnieku-aktivitasu-del-tukstosiem-cilveku-pasi-sev-liegusi-iespeju-panemt-kreditu\/103900\" \/>\n<meta property=\"og:site_name\" content=\"Baltic Course\" \/>\n<meta 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