{"id":9523,"date":"2025-10-30T12:28:00","date_gmt":"2025-10-30T12:28:00","guid":{"rendered":"https:\/\/www.avafin.lv\/?p=9523"},"modified":"2025-10-28T12:29:14","modified_gmt":"2025-10-28T12:29:14","slug":"kada-ir-atskiriba-refinansesana-vai-kreditu-apvienosana","status":"publish","type":"post","link":"https:\/\/www.avafin.lv\/ru\/blog\/kada-ir-atskiriba-refinansesana-vai-kreditu-apvienosana","title":{"rendered":"K\u0101da ir at\u0161\u0137ir\u012bba starp refinans\u0113\u0161anu un kred\u012btu apvieno\u0161anu?"},"content":{"rendered":"<p>Nereti finan\u0161u nozar\u0113, it \u012bpa\u0161i kredit\u0113\u0161anas un aizdevumu jom\u0101 tiek piemin\u0113ti termini \u201crefinans\u0113\u0161ana\u201d un \u201ckred\u012btu apvieno\u0161ana\u201d. Lai gan \u0161ie j\u0113dzieni ir saist\u012bti un da\u017ereiz pat tiek lietoti ar vienu un to pa\u0161u noz\u012bmi, starp tiem ir b\u016btiskas at\u0161\u0137ir\u012bbas, un katrs no tiem ietver unik\u0101las priek\u0161roc\u012bbas un ieguvumus. &nbsp;<\/p>\n\n\n\n<p>Gan refinans\u0113\u0161ana, gan aizdevumu apvieno\u0161ana var pal\u012bdz\u0113t aiz\u0146\u0113m\u0113jiem ietaup\u012bt naudu, samazin\u0101t ikm\u0113ne\u0161a maks\u0101jumus vai vienk\u0101r\u0161ot kred\u012bta atmaksas procesu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Refinans\u0113\u0161anas un kred\u012btu apvieno\u0161anas j\u0113dzieni<\/h2>\n\n\n\n<p>Refinans\u0113\u0161ana ir process, kur\u0101 eso\u0161ais aizdevums tiek aizst\u0101ts ar jaunu aizdevumu ar aiz\u0146\u0113m\u0113jam piem\u0113rot\u0101kiem nosac\u012bjumiem. Galvenais m\u0113r\u0137is ir nodro\u0161in\u0101t zem\u0101ku procentu likmi, samazin\u0101t ikm\u0113ne\u0161a maks\u0101jumus vai piel\u0101got aizdevuma termi\u0146u, piem\u0113ram, to pagarinot. Vair\u0101k uzziniet rakst\u0101 &#8220;<a href=\"https:\/\/www.avafin.lv\/blog\/kas-ir-refinansesana\/\">Kas ir refinans\u0113\u0161ana<\/a>&#8220;!<\/p>\n\n\n\n<p>Savuk\u0101rt kred\u012btu apvieno\u0161ana ir vair\u0101ku aizdevumu apvieno\u0161ana vien\u0101 ar m\u0113r\u0137i vienk\u0101r\u0161ot saist\u012bbu atmaksu. Apvienojot aizdevumus, aiz\u0146\u0113m\u0113jam vairs nav j\u0101veic vair\u0101ki maks\u0101jumi m\u0113nes\u012b, bet t\u0101 viet\u0101 \u2013 viens maks\u0101jums vienam aizdev\u0113jam. Vair\u0101k lasiet <a href=\"https:\/\/www.avafin.lv\/blog\/kas-ir-kreditu-apvienosana\/\">\u0161aj\u0101 rakst\u0101<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Galven\u0101s at\u0161\u0137ir\u012bbas starp kred\u012btu refinans\u0113\u0161anu un aizdevumu apvieno\u0161anu<\/h2>\n\n\n\n<p>Lai gan kred\u012btu refinans\u0113\u0161ana un aizdevumu apvieno\u0161ana var \u0161\u0137ist l\u012bdz\u012bgi, ir j\u0101\u0146em v\u0113r\u0101 da\u017eas at\u0161\u0137ir\u012bbas:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u0113r\u0137is<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Refinans\u0113\u0161ana: eso\u0161a aizdevuma aizst\u0101\u0161ana ar jaunu, parasti, lai sa\u0146emtu zem\u0101ku procentu likmi.<\/li>\n\n\n\n<li>Aizdevumu apvieno\u0161ana: vair\u0101ku aizdevumu apvieno\u0161ana vien\u0101, galvenok\u0101rt, lai vienk\u0101r\u0161otu atmaksas procesu un samazin\u0101tu ikm\u0113ne\u0161a maks\u0101jumu.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Akt\u012bvo aizdevumu skaits<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Refinans\u0113\u0161ana: visbie\u017e\u0101k izmanto, ja ir viens akt\u012bvs aizdevums.<\/li>\n\n\n\n<li>Aizdevumu apvieno\u0161ana: izmanto tad, ja ir divi vai vair\u0101k akt\u012bvi aizdevumi.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Finansi\u0101lie ieguvumi<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.avafin.lv\/kreditu-refinansesana\/\">Refinans\u0113\u0161ana<\/a>: \u013cauj samazin\u0101t procentu likmes un ieg\u016bt izdev\u012bg\u0101ku pied\u0101v\u0101jumu.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.avafin.lv\/kreditu-apvienosana\/\">Aizdevumu apvieno\u0161ana<\/a>: vienk\u0101r\u0161o atmaksas procesu.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Elast\u012bba<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Refinans\u0113\u0161ana: aiz\u0146\u0113m\u0113jam var b\u016bt iesp\u0113ja sa\u0146emt papildu naudas l\u012bdzek\u013cus un, atkar\u012bb\u0101 no aizdev\u0113ja &#8211; izv\u0113l\u0113ties starp fiks\u0113t\u0101m un main\u012bg\u0101m procentu likm\u0113m.<\/li>\n\n\n\n<li>Aizdevumu apvieno\u0161ana: galvenok\u0101rt koncentr\u0113jas uz aizdevumu apvieno\u0161anu vien\u0101 maks\u0101jum\u0101; maz\u0101ka elast\u012bba atsevi\u0161\u0137u aizdevuma nosac\u012bjumu piel\u0101go\u0161an\u0101.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:5px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.avafin.lv\/kreditu-refinansesana\/?utm_source=blog&amp;utm_medium=seo&amp;utm_campaign=kada-atskiriba-refinansesana-vai-apvienosana&amp;utm_content=banner\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"202\" src=\"https:\/\/www.avafin.lv\/wp-content\/uploads\/2025\/10\/refinansesana-premium-banner2.png\" alt=\"refinans\u0113\u0161ana premium\" class=\"wp-image-9531\" srcset=\"https:\/\/www.avafin.lv\/wp-content\/uploads\/2025\/10\/refinansesana-premium-banner2.png 900w, https:\/\/www.avafin.lv\/wp-content\/uploads\/2025\/10\/refinansesana-premium-banner2-300x67.png 300w, https:\/\/www.avafin.lv\/wp-content\/uploads\/2025\/10\/refinansesana-premium-banner2-768x172.png 768w, https:\/\/www.avafin.lv\/wp-content\/uploads\/2025\/10\/refinansesana-premium-banner2-18x4.png 18w, https:\/\/www.avafin.lv\/wp-content\/uploads\/2025\/10\/refinansesana-premium-banner2-500x112.png 500w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/a><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Kur\u0101 situ\u0101cij\u0101 piem\u0113rot\u0101ka ir kred\u012btu refinans\u0113\u0161ana un kad &#8211; aizdevumu apvieno\u0161ana?<\/h2>\n\n\n\n<p>Izv\u0113le starp kred\u012btu refinans\u0113\u0161anu un aizdevumu apvieno\u0161anu ir atkar\u012bga no personas individu\u0101lajiem finan\u0161u m\u0113r\u0137iem un aktu\u0101l\u0101s situ\u0101cijas.<\/p>\n\n\n\n<p>Refinans\u0113\u0161ana ir piem\u0113rota, ja personai ir viens aizdevums ar augstu procentu likmi vai neizdev\u012bgiem nosac\u012bjumiem. Tas ir \u012bpa\u0161i izdev\u012bgi aizdevumiem ar liel\u0101ku summu, jo kaut neliela procentu likmju samazin\u0101\u0161ana var rad\u012bt iev\u0113rojamus ilgtermi\u0146a ietaup\u012bjumus.<\/p>\n\n\n\n<p>Aizdevumu apvieno\u0161ana ir piem\u0113rota, ja personai ir vair\u0101ki kred\u012bti ar augstu procentu likmi, kurus ir gr\u016bti p\u0101rvald\u012bt. Apvienojot \u0161os aizdevumus, ir iesp\u0113jams samazin\u0101t maks\u0101jumus un vienk\u0101r\u0161ot atmaksas procesu.<\/p>\n\n\n\n<p>Gan kred\u012btu refinans\u0113\u0161anas, gan aizdevumu apvieno\u0161anas m\u0113r\u0137is ir padar\u012bt par\u0101dsaist\u012bbu atmaksu vienk\u0101r\u0161\u0101ku un izdev\u012bg\u0101ku, tom\u0113r ir j\u0101\u0146em v\u0113r\u0101 at\u0161\u0137ir\u012bbas un nianses, izv\u0113loties piem\u0113rot\u0101ko risin\u0101jumu.<\/p>\n\n\n\n<p>Pirms l\u0113muma pie\u0146em\u0161anas ir svar\u012bgi&nbsp; izv\u0113rt\u0113t pa\u0161reiz\u0113j\u0101s par\u0101dsaist\u012bbas, kred\u012btv\u0113sturi un ilgtermi\u0146a finan\u0161u m\u0113r\u0137us un &nbsp;konsult\u0113ties ar aizdev\u0113ju, lai atrastu piem\u0113rot\u0101ko risin\u0101jumu.<\/p>","protected":false},"excerpt":{"rendered":"<p>Nereti finan\u0161u nozar\u0113, it \u012bpa\u0161i kredit\u0113\u0161anas un aizdevumu jom\u0101 tiek piemin\u0113ti termini \u201crefinans\u0113\u0161ana\u201d un \u201ckred\u012btu apvieno\u0161ana\u201d. Lai gan \u0161ie j\u0113dzieni ir saist\u012bti un da\u017ereiz pat tiek lietoti ar vienu un to pa\u0161u noz\u012bmi, starp tiem ir b\u016btiskas at\u0161\u0137ir\u012bbas, un katrs no tiem ietver unik\u0101las priek\u0161roc\u012bbas un ieguvumus. &nbsp; Gan refinans\u0113\u0161ana, gan aizdevumu apvieno\u0161ana var pal\u012bdz\u0113t [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":9524,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[189],"tags":[347,248],"class_list":["post-9523","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanses","tag-kreditu-apvienosana","tag-refinansesana"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>K\u0101da ir at\u0161\u0137ir\u012bba - refinans\u0113\u0161ana vai kred\u012btu apvieno\u0161ana? 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