{"id":22387,"date":"2025-02-03T16:01:06","date_gmt":"2025-02-03T14:01:06","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/useful-info\/raksti\/alternatives-borrowing-money-friends-family\/"},"modified":"2025-10-06T04:27:35","modified_gmt":"2025-10-06T02:27:35","slug":"naudas-aiznemsanas-draugiem-gimenes","status":"publish","type":"post","link":"https:\/\/staging.moneyhub.ee\/lv\/useful-info\/raksti\/naudas-aiznemsanas-draugiem-gimenes\/","title":{"rendered":"Alternat\u012bvas naudas aiz\u0146em\u0161anai, kas neietver draugus un \u0123imeni"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22387\" class=\"elementor elementor-22387 elementor-5877\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7333e7a7 e-flex e-con-boxed e-con e-parent\" data-id=\"7333e7a7\" 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-4833d57a elementor-widget elementor-widget-shortcode\" data-id=\"4833d57a\" 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-6d2b0597 e-flex e-con-boxed e-con e-parent\" data-id=\"6d2b0597\" 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-8747690 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"8747690\" 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-6a4f75e4 elementor-widget elementor-widget-heading\" data-id=\"6a4f75e4\" 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\">Alternat\u012bvas naudas aiz\u0146em\u0161anai, kas neietver j\u016bsu draugus un \u0123imeni.<\/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-43b27a5f e-flex e-con-boxed e-con e-parent\" data-id=\"43b27a5f\" 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-6e63cdb7 elementor-widget elementor-widget-image\" data-id=\"6e63cdb7\" 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=\"2240\" height=\"1260\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29.png\" class=\"attachment-full size-full wp-image-22388\" alt=\"Man lending his friend money\" srcset=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29.png 2240w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-300x169.png 300w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-1024x576.png 1024w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-768x432.png 768w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-1536x864.png 1536w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-2048x1152.png 2048w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/>\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-717548c8 e-flex e-con-boxed e-con e-parent\" data-id=\"717548c8\" 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-5aac9eff elementor-widget elementor-widget-heading\" data-id=\"5aac9eff\" 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\">Alternat\u012bvas naudas aiz\u0146em\u0161anai, kas neietver draugus un \u0123imeni<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79a93d8f elementor-widget elementor-widget-text-editor\" data-id=\"79a93d8f\" 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>Var b\u016bt vilino\u0161i l\u016bgt draugiem vai radiniekiem aizdot naudu, ta\u010du daudzi no mums nepat\u012bk aiz\u0146emties naudu no draugiem un \u0123imenes. Jums ir r\u016bp\u012bgi j\u0101apsver, vai varat at\u013cauties atmaks\u0101t aizdevumu un vai varat tikt gal\u0101 ar to, kas var notikt, ja nevarat.<\/p><p><a href=\"https:\/\/staging.moneyhub.ee\/money\/loans\/\">Aiz\u0146em\u0161an\u0101s no \u0123imenes<\/a> locek\u013ca var nodro\u0161in\u0101t naudu \u0101rk\u0101rtas gad\u012bjumiem un pal\u012bdz\u0113t izvair\u012bties no aizdevumiem ar \u013coti augst\u0101m procentu likm\u0113m, piem\u0113ram, <a href=\"https:\/\/staging.moneyhub.ee\/en\/money\/loans\/\">aizdevumiem<\/a> un p\u0101rskait\u012bjumiem.<\/p><p>Ja abas puses ir p\u0101rliecin\u0101tas, ka tas nekait\u0113s attiec\u012bb\u0101m ar \u0123imenes locekli, ja j\u016bs neatmaks\u0101siet aizdevumu, t\u0101 ir laba izv\u0113le, jo parasti t\u0101 ir bez procentiem.<\/p><p>Ja aiz\u0146ematies no drauga, \u0146emiet v\u0113r\u0101, ka, ja neatmaks\u0101siet aizdevumu, tas var izbeigt draudz\u012bbu.<\/p><h2>Citas kred\u012bta alternat\u012bvas<\/h2><h3>Kred\u012btkartes<\/h3><p>Ir daudz <a href=\"https:\/\/staging.moneyhub.ee\/en\/money\/credit-cards\/\">kred\u012btkartes<\/a>, kas var apmierin\u0101t gan tos, kam ir laba, gan tos, kam ir slikta kred\u012btv\u0113sture. Ja v\u0113laties kaut ko ieg\u0101d\u0101ties uz kred\u012btu un v\u0113laties elast\u012bgus atmaksas nosac\u012bjumus, tad kred\u012btkarte ar 0 % likmi pirkumiem ir ide\u0101ls risin\u0101jums, lai veiktu lielu vienreiz\u0113ju pirkumu un atmaks\u0101tu summu bezprocentu ievada period\u0101.<\/p><p>Ja jums jau ir par\u0101ds, <a href=\"https:\/\/staging.moneyhub.ee\/money\/credit-cards\/\">apsveriet iesp\u0113ju izmantot kred\u012btkarti ar atlikuma p\u0101rnesumu<\/a>. \u0160\u012bs kred\u012btkartes ir ide\u0101ls risin\u0101jums, lai atmaks\u0101tu par\u0101du p\u0113c iesp\u0113jas l\u0113t\u0101k. Da\u017eas kartes \u013cauj p\u0101rnest par\u0101dus un nemaks\u0101t procentus l\u012bdz pat diviem gadiem. Tas noz\u012bm\u0113, ka t\u0101s var b\u016bt l\u0113t\u0101ka iesp\u0113ja, lai atmaks\u0101tu citus par\u0101dus.<\/p><p>Neatkar\u012bgi no t\u0101, k\u0101da kred\u012btkarte jums ir vai k\u0101du j\u016bs pieteicaties, aizdev\u0113ji sagaida, ka tiks veikta minim\u0101l\u0101 ikm\u0113ne\u0161a maks\u0101juma summa. Parasti \u0161\u012b summa ir tik maza, ka t\u0101 sedz tikai ikm\u0113ne\u0161a procentus, kas tiek piem\u0113roti j\u016bsu kartei.<\/p><p>T\u0101d\u0113j\u0101di j\u016bs neatmaks\u0101jat par\u0101du, bet tikai procentus. J\u016bsu par\u0101ds paliks sp\u0113k\u0101 gadiem ilgi, ja vien j\u016bs nemaks\u0101siet vair\u0101k par minim\u0101lo ikm\u0113ne\u0161a summu, kas nor\u0101d\u012bta j\u016bsu kred\u012btkartes izrakst\u0101.<\/p><h3>Person\u012bg\u0101s aizdevums<\/h3><p><a href=\"https:\/\/staging.moneyhub.ee\/en\/money\/loans\/\">Aizdevumi<\/a> ir veids, k\u0101 aiz\u0146emties naudu, bet katru m\u0113nesi atmaks\u0101t fiks\u0113tu summu, t\u0101d\u0113j\u0101di j\u016bs prec\u012bzi zin\u0101t, cik jums j\u0101maks\u0101, un summa nemain\u012bsies no m\u0113ne\u0161a uz m\u0113nesi. Person\u012bg\u0101 aizdevuma izmaksas var b\u016bt l\u0113t\u0101kas nek\u0101 kred\u012btkartes izmaksas, ja aizdevuma termi\u0146\u0161 ir ilg\u0101ks vai summa ir liel\u0101ka. Procentu likme var at\u0161\u0137irties atkar\u012bb\u0101 no j\u016bsu kred\u012btreitinga.<\/p><p>Tie, kam ir par\u0101di un kas v\u0113las tos atmaks\u0101t p\u0113c iesp\u0113jas l\u0113t\u0101k un vienk\u0101r\u0161\u0101k, var apsv\u0113rt par\u0101du konsolid\u0101cijas aizdevumu. \u0160\u0101da veida kred\u012bts parasti noz\u012bm\u0113, ka j\u016bs katru m\u0113nesi atmaks\u0101jat maz\u0101k, lai gan aizdevuma termi\u0146\u0161 parasti ir ilg\u0101ks. Par\u0101du konsolid\u0101cijas aizdevumi atmaks\u0101 da\u017e\u0101da veida par\u0101dus un aizst\u0101j daudzas saist\u012bbas ar vienu vien\u012bgu par\u0101du. Aiz\u0146\u0113m\u0113ji joproj\u0101m ir par\u0101d\u0101 to pa\u0161u summu, ta\u010du atmaksas parasti ir zem\u0101kas, atbr\u012bvojot da\u013cu l\u012bdzek\u013cu citiem m\u0113r\u0137iem.<\/p><h3>P\u0101rsniegumi<\/h3><p>Ja v\u0113laties <a href=\"https:\/\/staging.moneyhub.ee\/money\/short-term-loans\/\">aiz\u0146emties naudu uz \u012bsu laiku<\/a> bez ilgtermi\u0146a kred\u012bta saist\u012bb\u0101m, p\u0101rsniegums ir viena no iesp\u0113j\u0101m. Vair\u0101ki <a href=\"https:\/\/staging.moneyhub.ee\/en\/bank-accounts\/\">banku nor\u0113\u0137inu konti<\/a> pied\u0101v\u0101 p\u0101rsniegumus l\u012bdz noteiktam limitam, iekas\u0113jot komisijas maksu un procentus.<\/p><p>Tom\u0113r atcerieties, ka nedr\u012bkstat p\u0101rsniegt savu p\u0101rsnieguma limitu. Neat\u013cauts p\u0101rsniegums ne tikai rada soda naudu, bet ar\u012b procenti ir \u013coti augsti. V\u0113l viena neat\u013caut\u0101 p\u0101rskat\u012b\u0161anas kred\u012bta blakuspar\u0101d\u012bba ir kait\u0113jums j\u016bsu kred\u012btv\u0113sturei.<\/p><p>P\u0101rskat\u012b\u0161anas kred\u012bti nav piem\u0113roti ilgtermi\u0146a aizdevumiem, jo tie var b\u016bt d\u0101rgi, un banka jebkur\u0101 br\u012bd\u012b var piepras\u012bt atmaksu vai samazin\u0101t p\u0101rskat\u012b\u0161anas kred\u012bta limitu.<\/p><h3>Kred\u012btsabiedr\u012bbas<\/h3><p>Galvenais iemesls, k\u0101p\u0113c cilv\u0113ki aiz\u0146emas naudu no draugiem un \u0123imenes, ir tas, ka vi\u0146i nesp\u0113j sa\u0146emt kred\u012btu savas nelabv\u0113l\u012bg\u0101s kred\u012btv\u0113stures d\u0113\u013c. Ac\u012bmredzama izv\u0113le ir augsta procentu likme maks\u0101jumu dienas aizdevums, lai segtu \u012bstermi\u0146a \u0101rk\u0101rtas izdevumus. (\u012astermi\u0146a aizdevumi nekad nedr\u012bkst tikt uzskat\u012bti par ilgtermi\u0146a aizdevumiem).<\/p><p>T\u0101tad, ja bankas nevar jums pal\u012bdz\u0113t vai j\u016bs dom\u0101jat par ilgtermi\u0146a aizdevumu, un <a href=\"https:\/\/staging.moneyhub.ee\/en\/money\/short-term-loans\/\">\u012bstermi\u0146a aizdevums<\/a> nav risin\u0101jums, tad viena no izv\u0113l\u0113m ir kred\u012btsabiedr\u012bba. Kred\u012btsabiedr\u012bba ir bezpe\u013c\u0146as organiz\u0101cija, kas parasti apkalpo konkr\u0113tu kopienu.<\/p><p>Kred\u012btsabiedr\u012bbas, kuras vada un kuras pieder to biedriem, pied\u0101v\u0101 tiem zemu izmaksu aizdevumus, tom\u0113r j\u0101\u0146em v\u0113r\u0101, ka aiz\u0146\u0113m\u0113jiem vajadz\u0113tu aiz\u0146emties tikai tad, ja vi\u0146i var at\u013cauties atmaks\u0101t aizdevumu.<\/p><h3>Nobeiguma domas<\/h3><p>Aiz\u0146em\u0161an\u0101s no draugiem un \u0123imenes var b\u016bt ac\u012bmredzams pirmais risin\u0101jums. Tas var \u0101tri izrais\u012bt str\u012bdus un nesaska\u0146as, k\u0101 rezult\u0101t\u0101 aiz\u0146\u0113m\u0113js ne tikai atteiksies atmaks\u0101t aizdevumu, bet ar\u012b izjauks \u0123imenes attiec\u012bbas vai draudz\u012bbu.<\/p><p>Pirms l\u016bgt, p\u0101rbaudiet, vai risin\u0101jums var\u0113tu b\u016bt <a href=\"https:\/\/staging.moneyhub.ee\/money\/credit-cards\/\">kred\u012btkarte<\/a>, <a href=\"https:\/\/staging.moneyhub.ee\/money\/loans\/\">person\u012bgais aizdevums<\/a>, p\u0101rskat\u012btais kred\u012bts vai kred\u012btsabiedr\u012bba. J\u0101, jums var n\u0101kties maks\u0101t liel\u0101kas procentu maksas, bet t\u0101 ir neliela cena, lai saglab\u0101tu draugus un \u0123imeni.<\/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>Alternat\u012bvas naudas aiz\u0146em\u0161anai, kas neietver j\u016bsu draugus un \u0123imeni.<\/p>\n","protected":false},"author":3,"featured_media":22388,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[76,81],"tags":[],"class_list":["post-22387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raksti","category-useful-info"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-150x150.png",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29.png",2240,1260,false]},"categories_names":{"76":{"name":"Raksti","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/"},"81":{"name":"Useful Info","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29.png",2240,1260,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29.png",2240,1260,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29.png",2240,1260,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-150x150.png",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-300x169.png",300,169,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-1024x576.png",800,450,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-1536x864.png",1536,864,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/12\/Untitled-design-29-2048x1152.png",2048,1152,true]},"rttpg_author":{"display_name":"David Bailey","author_link":"https:\/\/staging.moneyhub.ee\/lv\/author\/davidbailey\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/\" rel=\"category tag\">Raksti<\/a> <a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/\" rel=\"category tag\">Useful Info<\/a>","rttpg_excerpt":"Alternat\u012bvas naudas aiz\u0146em\u0161anai, kas neietver j\u016bsu draugus un \u0123imeni.","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22387","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/comments?post=22387"}],"version-history":[{"count":9,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22387\/revisions"}],"predecessor-version":[{"id":22545,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22387\/revisions\/22545"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media\/22388"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media?parent=22387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/categories?post=22387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/tags?post=22387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}