{"id":22370,"date":"2025-02-11T16:04:38","date_gmt":"2025-02-11T14:04:38","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/useful-info\/raksti\/debt-trap\/"},"modified":"2025-10-03T04:22:58","modified_gmt":"2025-10-03T02:22:58","slug":"parads-loks","status":"publish","type":"post","link":"https:\/\/staging.moneyhub.ee\/lv\/useful-info\/raksti\/parads-loks\/","title":{"rendered":"Iekri\u0161ana par\u0101du slazd\u0101"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22370\" class=\"elementor elementor-22370 elementor-15268\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Iekri\u0161ana par\u0101du slazd\u0101<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed.jpg\" class=\"attachment-full size-full wp-image-21660\" alt=\"Kred\u012btu slazds\" srcset=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed.jpg 1600w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-300x200.jpg 300w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1024x683.jpg 1024w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-768x512.jpg 768w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2014. gad\u0101 tika <a href=\"https:\/\/www.err.ee\/506381\/kiirlaenudega-on-hadas-kuni-50-000-inimest\" target=\"_blank\" rel=\"noopener\">apl\u0113sts<\/a>, ka Igaunij\u0101 piecdesmit t\u016bksto\u0161i cilv\u0113ku bija non\u0101ku\u0161i gr\u016bt\u012bb\u0101s ar \u0101trajiem kred\u012btiem, un kop\u0113jais \u0101tro kred\u012btu \u0146\u0113m\u0113ju skaits tika l\u0113sts no 130 l\u012bdz 180 t\u016bksto\u0161iem. 2023. gad\u0101 v\u0113l\u0101k\u0101 nov\u0113rt\u0113jum\u0101 tika l\u0113sts, ka <a href=\"https:\/\/majandus.postimees.ee\/7746658\/inkassofirma-makseraskustes-inimeste-hulk-vaheneb-kuid-laenusummad-suurenevad\" target=\"_blank\" rel=\"noopener\">to cilv\u0113ku skaits, kam bija gr\u016bt\u012bbas ar maks\u0101jumiem, bija samazin\u0101jies l\u012bdz 83 t\u016bksto\u0161iem.<\/a> Saska\u0146\u0101 ar Igaunijas Bankas statistiku, lai gan pat\u0113r\u0113t\u0101ju par\u0101du da\u013ca ir samazin\u0101jusies, kop\u0113jais par\u0101du apjoms turpina pieaugt.<\/p><h1>\u201cEs nepaz\u012bstu nevienu, kur\u0161 paz\u012btu k\u0101du, kas ir par\u0101dnieks.<\/h1><p>Daudzi cilv\u0113ki dro\u0161i vien br\u012bn\u0101s, kur \u0161ie vair\u0101k nek\u0101 50 000 cilv\u0113ku ir non\u0101ku\u0161i par\u0101du slazd\u0101. Diem\u017e\u0113l cilv\u0113ki nev\u0113las atkl\u0101ti run\u0101t par sav\u0101m finans\u0113m, nemaz nerun\u0101jot par uz\u0146emt\u0101m par\u0101dsaist\u012bb\u0101m.<\/p><p>Par\u0101du slogs ir k\u0101 ie\u0161ana purv\u0101 \u2013 jo t\u0101l\u0101k ej, jo gr\u016bt\u0101k v\u0113l\u0101k izk\u013c\u016bt no t\u0101 sausam. Kad esi par\u0101d\u0101, ir \u013coti viegli iek\u013c\u016bt aizdevumu cikl\u0101 vai par\u0101du slazd\u0101. Un parasti tas viss s\u0101kas ar labiem nodomiem.<\/p><p>Protams, neviens nepl\u0101no ieiet par\u0101dos, kad \u0146em aizdevumu. Liel\u0101k\u0101 da\u013ca cilv\u0113ku ir labi nodom\u0101ti. Tom\u0113r cilv\u0113ki bie\u017ei non\u0101k par\u0101dos sliktas pl\u0101no\u0161anas, k\u013c\u016bdainu apr\u0113\u0137inu vai vienk\u0101r\u0161i neveiksmes d\u0113\u013c.<\/p><p>Par\u0101du slazds ir aiz\u0146em\u0161an\u0101s cikls, kur\u0101 persona, kas ir uz\u0146\u0113musies p\u0101r\u0101k lielu aizdevumu, uz\u0146emas v\u0113l liel\u0101kas saist\u012bbas, m\u0113\u0123inot savlaic\u012bgi atmaks\u0101t savus vecos aizdevumus. Vi\u0146i baid\u0101s atz\u012bt probl\u0113mu sev, nemaz nerun\u0101jot par citiem. \u0100rk\u0101rtas gad\u012bjum\u0101 cilv\u0113ki \u0146em aizdevumus p\u0101r\u0101k \u0101tri, nedom\u0101jot un ar v\u0113l augst\u0101k\u0101m procentu likm\u0113m. Bet par\u0101du atkar\u012bgajam jauna naudas injekcija pal\u012bdz tikai uz br\u012bdi \u2013 l\u012bdz n\u0101kamajai algas dienai \u2013, jo katrs jauns aizdevums k\u0101dreiz ir j\u0101atmaks\u0101. T\u0101 cilv\u0113ki non\u0101k milz\u012bgos par\u0101dos, no kuriem vairs nav viegli izk\u013c\u016bt patst\u0101v\u012bgi. Par\u0101du konsult\u0101cijas var sa\u0146emt Igaunijas Par\u0101du konsult\u0101ciju asoci\u0101cij\u0101.<\/p><h1>\u201cCilv\u0113kam, kur\u0161 ir non\u0101cis par\u0101du slazd\u0101, jauna naudas injekcija pal\u012bdz tikai uz br\u012bdi \u2013 l\u012bdz n\u0101kamajai algas dienai.<\/h1><p>T\u0101p\u0113c jums j\u0101b\u016bt uzman\u012bgiem. Neaiz\u0146emieties p\u0101r\u0101k viegli. Ja iesp\u0113jams, izvairieties no SMS un citiem \u0101trajiem aizdevumiem. \u0100trie kred\u012bti bie\u017ei tiek pied\u0101v\u0101ti uz \u012bsu laiku k\u0101 \u201cbezmaksas\u201d vai bez procentiem. Tom\u0113r \u0161\u0101di pied\u0101v\u0101jumi ir v\u0113rsti uz to, lai rad\u012btu aiz\u0146em\u0161an\u0101s ieradumu. Tom\u0113r izmaksas par turpm\u0101ku \u0101tro kred\u012btu \u0146em\u0161anu un atmaksas termi\u0146u pagarin\u0101\u0161anu parasti ir \u013coti augstas aiz\u0146\u0113m\u0113jam. Ir pr\u0101t\u012bgi p\u0113c iesp\u0113jas \u0101tr\u0101k atbr\u012bvoties no iepriek\u0161 \u0146emta p\u0101r\u0101k d\u0101rga kred\u012bta saist\u012bb\u0101m. Ja nav citu alternat\u012bvu, ir v\u0113rts mekl\u0113t refinans\u0113\u0161anas kred\u012btus ar iesp\u0113jami zem\u0101ko gada procentu likmi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kad esi par\u0101d\u0101, ir \u013coti viegli non\u0101kt aizdevumu cikl\u0101 vai par\u0101du slazd\u0101. Un parasti tas viss s\u0101kas ar labiem nodomiem.<\/p>\n","protected":false},"author":7223,"featured_media":21660,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-22370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raksti"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-150x150.jpg",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed.jpg",1600,1067,false]},"categories_names":{"76":{"name":"Raksti","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed.jpg",1600,1067,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed.jpg",1600,1067,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed.jpg",1600,1067,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-150x150.jpg",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-300x200.jpg",300,200,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1024x683.jpg",800,534,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed.jpg",1600,1067,false]},"rttpg_author":{"display_name":"Maiko Markus","author_link":"https:\/\/staging.moneyhub.ee\/lv\/author\/maiko\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/\" rel=\"category tag\">Raksti<\/a>","rttpg_excerpt":"Kad esi par\u0101d\u0101, ir \u013coti viegli non\u0101kt aizdevumu cikl\u0101 vai par\u0101du slazd\u0101. Un parasti tas viss s\u0101kas ar labiem nodomiem.","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22370","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/users\/7223"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/comments?post=22370"}],"version-history":[{"count":4,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22370\/revisions"}],"predecessor-version":[{"id":22374,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22370\/revisions\/22374"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media\/21660"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media?parent=22370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/categories?post=22370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/tags?post=22370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}