{"id":916,"date":"2023-09-06T13:08:00","date_gmt":"2023-09-06T12:08:00","guid":{"rendered":"https:\/\/mobile.lebara.com\/gb\/en\/blog\/?p=916"},"modified":"2023-09-27T13:23:04","modified_gmt":"2023-09-27T12:23:04","slug":"how-does-a-phone-contract-affect-your-credit-score","status":"publish","type":"post","link":"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/","title":{"rendered":"K\u0101 t\u0101lru\u0146a l\u012bgums ietekm\u0113 j\u016bsu kred\u012btv\u0113rt\u0113jumu?"},"content":{"rendered":"<p>M\u016bsdienu pasaul\u0113 mobilie t\u0101lru\u0146i ir k\u013cuvu\u0161i par nepiecie\u0161am\u012bbu. M\u016bsu telefoniem ir \u013coti svar\u012bga noz\u012bme, s\u0101kot no saiknes uztur\u0113\u0161anas ar \u0123imeni un draugiem un beidzot ar jaun\u0101ko zi\u0146u sa\u0146em\u0161anu. Bet vai esat k\u0101dreiz aizdom\u0101ju\u0161ies par to, k\u0101 t\u0101lru\u0146a l\u012bguma nosl\u0113g\u0161ana var\u0113tu ietekm\u0113t j\u016bsu dz\u012bves kvalit\u0101ti? <a href=\"https:\/\/blog.lebara.co.uk\/lv\/how-to-get-a-contract-phone-with-poor-credit\/\">kred\u012btv\u0113rt\u0113jums<\/a> un citiem j\u016bsu finansi\u0101l\u0101s dz\u012bves aspektiem?<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Satura r\u0101d\u012bt\u0101js<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"P\u0101rsl\u0113gt satura tabulu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">P\u0101rsl\u0113gt<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#Phone_Contract_Affect\" >T\u0101lru\u0146a l\u012bguma ietekme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#Does_a_Phone_Contract_Affect_Credit_Score\" >Vai t\u0101lru\u0146a l\u012bgums ietekm\u0113 kred\u012btv\u0113rt\u0113jumu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#Does_Getting_a_Phone_Contract_Affect_Your_Credit_Score\" >Vai t\u0101lru\u0146a l\u012bguma nosl\u0113g\u0161ana ietekm\u0113 j\u016bsu kred\u012btv\u0113rt\u0113jumu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#Does_a_Phone_Contract_Affect_Mortgage\" >Vai t\u0101lru\u0146a l\u012bgums ietekm\u0113 hipot\u0113ku?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#Will_a_New_Phone_Contract_Affect_My_Mortgage_Application\" >Vai jaunais t\u0101lru\u0146a l\u012bgums ietekm\u0113s manu hipotek\u0101r\u0101 kred\u012bta pieteikumu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#Will_an_IVA_Affect_My_Phone_Contract\" >Vai IVA ietekm\u0113 manu t\u0101lru\u0146a l\u012bgumu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#Does_Phone_Contract_Affect_Credit_Score_%E2%80%93_Alternative_Options_to_Consider\" >Vai t\u0101lru\u0146a l\u012bgums ietekm\u0113 kred\u012btpunktu - alternat\u012bvas iesp\u0113jas, ko apsv\u0113rt<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/#SIM-only_rolling_contracts_are_an_ideal_solution_for\" >Tikai ar SIM kart\u0113m nosl\u0113gtie l\u012bgumi ir ide\u0101ls risin\u0101jums:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Phone_Contract_Affect\"><\/span>T\u0101lru\u0146a l\u012bguma ietekme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>T\u0101lru\u0146a l\u012bgumi var \u0161\u0137ist vienk\u0101r\u0161i. J\u016bs sa\u0146emat t\u0101lruni un noteiktu min\u016b\u0161u, \u012bszi\u0146u un datu gigabaitu skaitu k\u0101 pabalstu. Apmai\u0146\u0101 pret to j\u016bs ap\u0146ematies katru m\u0113nesi maks\u0101t noteiktu naudas summu. Ta\u010du tas ir t\u0101ds pats finan\u0161u l\u012bgums k\u0101 jebkur\u0161 cits, un tas var ietekm\u0113t j\u016bsu pla\u0161\u0101ku finansi\u0101lo situ\u0101ciju.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_a_Phone_Contract_Affect_Credit_Score\"><\/span>Vai t\u0101lru\u0146a l\u012bgums ietekm\u0113 kred\u012btv\u0113rt\u0113jumu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Atbilde ir j\u0101, t\u0101 ir. Kad nosl\u0113dzat t\u0101lru\u0146a l\u012bgumu ar t\u0101lru\u0146a apar\u0101tu, pakalpojumu sniedz\u0113js var veikt kred\u012bta p\u0101rbaudi, lai noteiktu, vai esat uzticams klients. \u0160\u012b p\u0101rbaude atst\u0101s z\u012bmi j\u016bsu kred\u012btzi\u0146ojum\u0101 - neatkar\u012bgi no t\u0101, vai j\u016bs to iztur\u0113siet vai n\u0113.<\/p>\n\n\n\n<p>Kad esat nosl\u0113dzis t\u0101lru\u0146a l\u012bgumu, regul\u0101ri un savlaic\u012bgi maks\u0101jumi par t\u0101lru\u0146a r\u0113\u0137inu var uzlabot j\u016bsu kred\u012btv\u0113rt\u0113jumu, par\u0101dot citiem aizdev\u0113jiem, ka esat atbild\u012bgs aiz\u0146\u0113m\u0113js. No otras puses, kav\u0113ti vai kav\u0113ti maks\u0101jumi var pasliktin\u0101t j\u016bsu kred\u012btreitingu. \u013boti svar\u012bgi uz t\u0101lru\u0146a l\u012bgumu raudz\u012bties k\u0101 uz saist\u012bb\u0101m, l\u012bdz\u012bgi k\u0101 uz jebkuru citu kred\u012btl\u012bgumu, piem\u0113ram, aizdevumu vai kred\u012btkarti.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_Getting_a_Phone_Contract_Affect_Your_Credit_Score\"><\/span>Vai t\u0101lru\u0146a l\u012bguma nosl\u0113g\u0161ana ietekm\u0113 j\u016bsu kred\u012btv\u0113rt\u0113jumu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jauna t\u0101lru\u0146a l\u012bguma uzs\u0101k\u0161ana ietekm\u0113 j\u016bsu kred\u012btv\u0113rt\u0113jumu div\u0113j\u0101di. Pirmk\u0101rt, kad pakalpojumu sniedz\u0113ji veic s\u0101kotn\u0113jo kred\u012bta p\u0101rbaudi, t\u0101 tiek re\u0123istr\u0113ta k\u0101 stingra izmekl\u0113\u0161ana j\u016bsu p\u0101rskat\u0101. Lai gan viena stingra p\u0101rbaude var p\u0101r\u0101k neietekm\u0113t j\u016bsu kred\u012btreitingu, vair\u0101ki piepras\u012bjumi \u012bs\u0101 laika posm\u0101 var ietekm\u0113t j\u016bsu kred\u012btreitingu. Otrk\u0101rt, l\u012bguma darb\u012bbas laik\u0101 veids, k\u0101 j\u016bs veicat maks\u0101jumus, pozit\u012bvi vai negat\u012bvi ietekm\u0113s j\u016bsu kred\u012btv\u0113rt\u0113jumu.<\/p>\n\n\n\n<p>Ja v\u0113laties t\u0101lru\u0146a pl\u0101nu, bet nev\u0113laties, lai tas ietekm\u0113tu j\u016bsu kred\u012btv\u0113rt\u0113jumu, Lebara pied\u0101v\u0101tie tikai SIM kartes pl\u0101ni nav saist\u012bti ar kred\u012bta p\u0101rbaud\u0113m. Turkl\u0101t, t\u0101 k\u0101 j\u016bs neesat piesaist\u012bts nek\u0101dam laika periodam, ar\u012b maks\u0101jumu izlai\u0161ana neietekm\u0113s to.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_a_Phone_Contract_Affect_Mortgage\"><\/span>Vai t\u0101lru\u0146a l\u012bgums ietekm\u0113 hipot\u0113ku?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lai gan tas var\u0113tu \u0161\u0137ist nesaist\u012bti, past\u0101v saikne starp t\u0101lru\u0146u l\u012bgumiem un hipotek\u0101rajiem kred\u012btiem. Ja p\u0113rkat m\u0101jokli, hipotek\u0101ro kred\u012btu dev\u0113ji nov\u0113rt\u0113s j\u016bsu uzticam\u012bbu, pamatojoties uz j\u016bsu kred\u012btv\u0113sturi.<\/p>\n\n\n\n<p>T\u0101 k\u0101 hipotek\u0101rais kred\u012bts ir tik liela naudas summa, aizdev\u0113ji parasti r\u016bp\u012bgi p\u0101rbauda j\u016bsu finan\u0161u st\u0101vokli. Un vi\u0146i mekl\u0113 ne tikai uzkr\u012bto\u0161as probl\u0113mas, piem\u0113ram, milz\u012bgus kred\u012btkar\u0161u par\u0101dus vai kav\u0113tus aizdevumus. Vi\u0146i paman\u012bs ar\u012b maz\u0101kas, regul\u0101ras saist\u012bbas, piem\u0113ram, t\u0101lru\u0146a l\u012bgumus.<\/p>\n\n\n\n<p>Ja esat r\u016bp\u012bgi veicis t\u0101lru\u0146a l\u012bguma maks\u0101jumus, tas var b\u016bt jums izdev\u012bgi. Tom\u0113r past\u0101v\u012bgi kav\u0113ti maks\u0101jumi par t\u0101lru\u0146a r\u0113\u0137inu var\u0113tu b\u016bt sign\u0101ls potenci\u0101lajiem aizdev\u0113jiem, kas var\u0113tu rad\u012bt ba\u017eas par lielas naudas summas aizdevumu nekustam\u0101 \u012bpa\u0161uma ieg\u0101dei.<\/p>\n\n\n\n<p>Lai gan maz ticams, ka telefona l\u012bgums b\u016btu vien\u012bgais iemesls hipotek\u0101r\u0101 kred\u012bta atteikumam, tas var\u0113tu ietekm\u0113t pied\u0101v\u0101to procentu likmi. Aizdev\u0113ji var\u0113tu uzskat\u012bt, ka personas ar neregul\u0101ru maks\u0101jumu v\u0113sturi ir riskant\u0101kas, kas, iesp\u0113jams, novestu pie augst\u0101kas procentu likmes vai stingr\u0101kiem hipotek\u0101r\u0101 kred\u012bta nosac\u012bjumiem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_a_New_Phone_Contract_Affect_My_Mortgage_Application\"><\/span>Vai jaunais t\u0101lru\u0146a l\u012bgums ietekm\u0113s manu hipotek\u0101r\u0101 kred\u012bta pieteikumu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u012astermi\u0146\u0101, uzs\u0101kot jaunu t\u0101lru\u0146a kontaktu, j\u016bsu kred\u012btv\u0113rt\u0113jums var nedaudz samazin\u0101ties, jo ir gr\u016bti veikt mekl\u0113\u0161anu. Ja esat uz hipotek\u0101r\u0101 kred\u012bta pieteikuma iesnieg\u0161anas sliek\u0161\u0146a, ir pr\u0101t\u012bgi to \u0146emt v\u0113r\u0101. Liel\u0101k\u0101 da\u013ca hipotek\u0101ro kred\u012btu konsultantu un finan\u0161u konsultantu ieteiks nepie\u0146emt nek\u0101da veida jaunus kred\u012btus, tostarp t\u0101lru\u0146a l\u012bgumu, ja esat m\u0101jok\u013ca ieg\u0101des proces\u0101. Tas ir t\u0101p\u0113c, ka hipotek\u0101ro kred\u012btu dev\u0113ji var interpret\u0113t vair\u0101kus gr\u016btus mekl\u0113jumus k\u0101 finansi\u0101lu gr\u016bt\u012bbu paz\u012bmi. Turkl\u0101t, pat ja jums tiek apstiprin\u0101ts t\u0101lru\u0146a l\u012bgums, jaun\u0101s finansi\u0101l\u0101s saist\u012bbas var ietekm\u0113t j\u016bsu finansi\u0101l\u0101s iesp\u0113jas un l\u012bdz ar to ar\u012b hipotek\u0101r\u0101 kred\u012bta pied\u0101v\u0101jumu. Vislab\u0101k ir nogaid\u012bt, kam\u0113r hipotek\u0101rais kred\u012bts ir apstiprin\u0101ts un j\u016bs esat sa\u0146\u0113mis jaun\u0101 m\u0101jok\u013ca atsl\u0113gas, un tikai p\u0113c tam pieteikties jaunam kred\u012btam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_an_IVA_Affect_My_Phone_Contract\"><\/span>Vai IVA ietekm\u0113 manu t\u0101lru\u0146a l\u012bgumu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Individu\u0101l\u0101 br\u012bvpr\u0101t\u012bg\u0101 vieno\u0161an\u0101s (IVA) ir ofici\u0101la vieno\u0161an\u0101s ar kreditoriem par par\u0101du atmaksu noteikt\u0101 laikposm\u0101. Ja jums ir IVA vai apsverat iesp\u0113ju to nosl\u0113gt, ir v\u0113rts patur\u0113t pr\u0101t\u0101, ka tas var apgr\u016btin\u0101t t\u0101lru\u0146a l\u012bguma nosl\u0113g\u0161anu. Tas ir t\u0101p\u0113c, ka daudzi pakalpojumu sniedz\u0113ji to uzskata par finan\u0161u nestabilit\u0101tes r\u0101d\u012bt\u0101ju. Tas var ietekm\u0113t ar\u012b eso\u0161os t\u0101lru\u0146a l\u012bgumus. Pirms IVA uzs\u0101k\u0161anas ir ieteicams izlas\u012bt l\u012bguma noteikumus vai konsult\u0113ties ar pakalpojumu sniedz\u0113ju.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_Phone_Contract_Affect_Credit_Score_%E2%80%93_Alternative_Options_to_Consider\"><\/span>Vai t\u0101lru\u0146a l\u012bgums ietekm\u0113 kred\u012btpunktu - alternat\u012bvas iesp\u0113jas, ko apsv\u0113rt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ir skaidrs, ka saikne starp t\u0101lru\u0146a l\u012bgumu un kred\u012btv\u0113rt\u0113jumu ir daudz sare\u017e\u0123\u012bt\u0101ka, nek\u0101 s\u0101kotn\u0113ji var\u0113tu \u0161\u0137ist. Nosl\u0113dzot tipisku t\u0101lru\u0146a l\u012bgumu, j\u016bs nosl\u0113dzat finan\u0161u l\u012bgumu. Pakalpojumu sniedz\u0113js uzticas, ka apmai\u0146\u0101 pret pakalpojumu veiksiet noteiktos ikm\u0113ne\u0161a maks\u0101jumus.<\/p>\n\n\n\n<p>Bet ko dar\u012bt, ja esat noba\u017e\u012bjies par t\u0101lru\u0146a l\u012bguma ietekmi uz j\u016bsu kred\u012btv\u0113rt\u0113jumu vai vienk\u0101r\u0161i v\u0113laties izvair\u012bties no saist\u012bb\u0101m? Lab\u0101 zi\u0146a ir t\u0101, ka ir pieejamas da\u017eas alternat\u012bvas, tostarp Lebara tikai SIM kartes pl\u0101ni.<\/p>\n\n\n\n<p>Tiem, kas baid\u0101s no kred\u012btu p\u0101rbaud\u0113m, piesak\u0101s hipotek\u0101rajam kred\u012btam, atrodas IVA proces\u0101, kuriem ir slikts kred\u012btv\u0113rt\u0113jums vai vienk\u0101r\u0161i v\u0113las liel\u0101ku elast\u012bbu, piem\u0113rots risin\u0101jums ir tikai SIM kartes sl\u012bdo\u0161ais pl\u0101ns. Tas ir t\u0101p\u0113c, ka \u0161ie pl\u0101ni darbojas no m\u0113ne\u0161a uz m\u0113nesi bez ilgtermi\u0146a saist\u012bb\u0101m, kas rakstur\u012bgas tipiskam l\u012bgumam.<\/p>\n\n\n\n<p>\u0160o pl\u0101nu izcil\u0101 iez\u012bme ir t\u0101, ka tajos nav kred\u012bta p\u0101rbau\u017eu. T\u0101 k\u0101 nav iek\u013cauta neviena ier\u012bce - tikai SIM karte un pakalpojums, nevienai pusei nav ko zaud\u0113t, ja neveicat maks\u0101jumu, iz\u0146emot sniegto pakalpojumu. Padom\u0101jiet par to k\u0101 par ikned\u0113\u013cas p\u0101rtikas produktu ieg\u0101di - da\u017eas ned\u0113\u013cas j\u016bs var\u0113tu nepirkt noteiktus produktus, jo jums tie nav vajadz\u012bgi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SIM-only_rolling_contracts_are_an_ideal_solution_for\"><\/span>Tikai ar SIM kart\u0113m nosl\u0113gtie l\u012bgumi ir ide\u0101ls risin\u0101jums:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Priv\u0101tpersonas, kas veido kred\u012btu:<\/strong> Ja esat jaunais kred\u012btu pasaules dal\u012bbnieks vai str\u0101d\u0101jat pie t\u0101, lai atjaunotu saboj\u0101to kred\u012btv\u0113rt\u0113jumu, tikai SIM kartes pl\u0101ns pal\u012bdz\u0113s jums izvair\u012bties no v\u0113l vienas kred\u012btl\u012bnijas pievieno\u0161anas j\u016bsu kred\u012btv\u0113stures ierakstam.<\/li><li><strong>Tie, kas mekl\u0113 elast\u012bgumu:<\/strong> Ne visiem pat\u012bk b\u016bt piesaist\u012btiem 12 vai 24 m\u0113ne\u0161u l\u012bgumam. Izmantojot tikai SIM karti, varat viegl\u0101k main\u012bt pl\u0101nus vai pat pakalpojumu sniedz\u0113jus.<\/li><li><strong>Lietot\u0101ji, kuriem ir ierobe\u017eots bud\u017eets:<\/strong> Bez komplekt\u0101 iek\u013cautiem t\u0101lru\u0146a tarifiem tikai SIM kartes pl\u0101ni bie\u017ei vien ir daudz pieejam\u0101ki un \u013cauj lab\u0101k kontrol\u0113t ikm\u0113ne\u0161a izdevumus.<\/li><\/ul>\n\n\n\n<p>Mobilo t\u0101lru\u0146u l\u012bgumi var b\u016bt popul\u0101rs veids, k\u0101 ieg\u0101d\u0101ties t\u0101lruni, ta\u010du tie ir kas vair\u0101k nek\u0101 tikai veids, k\u0101 ieg\u0101d\u0101ties jaun\u0101ko iPhone vai citu t\u0101lruni. <a href=\"https:\/\/blog.lebara.co.uk\/lv\/a-guide-to-the-best-budget-samsung-phones\/\">Samsung<\/a> t\u0101lrunis j\u016bsu rok\u0101s. Tie ir finansi\u0101la atbild\u012bba, kas var ietekm\u0113t j\u016bsu kred\u012btv\u0113rt\u0113jumu, turpm\u0101kos finansi\u0101los centienus un pat hipotek\u0101r\u0101 kred\u012bta procentu likmi un nosac\u012bjumus. T\u0101d\u0113\u013c ir \u013coti svar\u012bgi vienm\u0113r r\u016bp\u012bgi iztur\u0113ties pret t\u0101lru\u0146a l\u012bguma nosl\u0113g\u0161anu. Atcerieties, ka, ja nev\u0113laties, lai j\u016bs p\u0101rbaud\u012btu j\u016bsu kred\u012btsp\u0113ju, vai ar\u012b jums nepat\u012bk ideja, ka jums ir pien\u0101kums veikt ikm\u0113ne\u0161a maks\u0101jumus tik ilgu laiku, ir v\u0113rts izp\u0113t\u012bt alternat\u012bvas iesp\u0113jas.<\/p>","protected":false},"excerpt":{"rendered":"<p>M\u016bsdienu pasaul\u0113 mobilie t\u0101lru\u0146i ir k\u013cuvu\u0161i par nepiecie\u0161am\u012bbu. M\u016bsu telefoniem ir \u013coti svar\u012bga noz\u012bme, s\u0101kot no saiknes uztur\u0113\u0161anas ar \u0123imeni un draugiem un beidzot ar jaun\u0101ko zi\u0146u sa\u0146em\u0161anu. Bet vai esat k\u0101dreiz aizdom\u0101ju\u0161ies par to, k\u0101 t\u0101lru\u0146a l\u012bguma parakst\u012b\u0161ana var\u0113tu ietekm\u0113t j\u016bsu kred\u012btv\u0113rt\u0113jumu un citus finansi\u0101l\u0101s dz\u012bves aspektus? T\u0101lru\u0146a...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/lv\/how-does-a-phone-contract-affect-your-credit-score\/\">Las\u012bt vair\u0101k<\/a><\/div>","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[22],"tags":[],"class_list":["post-916","post","type-post","status-publish","format-standard","hentry","category-phones","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/posts\/916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/comments?post=916"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/posts\/916\/revisions"}],"predecessor-version":[{"id":974,"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/posts\/916\/revisions\/974"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/media?parent=916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/categories?post=916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/lv\/wp-json\/wp\/v2\/tags?post=916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}