TVNET intervija ar sievieti, kas izgājusi cauri ļoti smagiem pārbaudījumiem (26.02.2015.)

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Dana (vārds mainīts) ir jauna sieviete, kas izgāja cauri ļoti smagam pārbaudījumam – viņa nonāca pamatīgās finanšu grūtībās un nespēja atmaksāt kredītu. Trīs bērnu māmiņai klājās ļoti smagi, bet viņa nolēma nepadoties. Tagad, kad personīgās maksātnespējas process ir gandrīz galā, sievietei joprojām ir skumji, ka daļa Latvijā dzīvojošo un strādājošo cilvēki nevar atļauties iegādāties savu mitekli. Dana intervijā portālam TVNET neraud un nežēlojas par savu situāciju, bet notikušo sauc par smagu pieredzi.

Jau pašā sarunas sākumā Dana akcentē, ka kredītņēmējiem, kuri nonākuši parādos, nebūtu jākaunas par piedzīvoto situāciju, jo neviens cilvēks nevar paredzēt, kas dzīvē notiks.

Sākumā gāja gludi

Viņas pieredze ar kredītiem sākās 2006.gadā, kad bija iespēja iegādāties plašāku dzīvokli. Tobrīd viņai bija viens nekustamais īpašums, kuru viņa ieķīlāja, lai varētu nopirkt lielāku dzīvokli. Nākamos divus gadus Dana veiksmīgi un bez problēmām maksāja ikmēneša rēķinus, bet sarežģījumi sākās brīdī, kad sāka samazināt algas (līdz pat 50%).

Saprotot, ka nonākusi finanšu grūtībās un nespēs norēķināties par aptuveni 70 tūkstošiem latu, ko aizņēmusies, Dana devās uz bankām, lai runātu par iespējām, piemēram, kredītbrīvdienām. Vienu dzīvokli sieviete gribēja pārdot, bet, strauji mainoties nekustamo īpašumu tirgus situācijai, banka to neļāva. Citu iekrājumu Danai nebija. Banka piedāvāja savu risinājumu, bet Dana saprata, ka tas paredz vēl lielākus maksājumus. Meklējot iespējas risināt situāciju, Dana sāka domāt par personīgās maksātnespējas procesu. Tas izrādījās grūts, it sevišķi sākumā, kad process bija neizdevīgs kredītņēmējam – bija salīdzinoši lieli izdevumi.

Labi, ka Maksātnespējas likums mainījās par labu kredītņēmējam. Bet arī tad viņai izdevās pārliecināt tiesu sākt lietu tikai ar vairākiem mēģinājumiem. Tikai ar piekto reizi tiesa atzina Danu par maksātnespējīgu personu un viņa varēja sākt maksātnespējas procesu. Tagad tas ir gandrīz beidzies.

Vai ņemtu kredītu vēlreiz?

Dana pilnībā izprot jaunās ģimenes, kas ņem kredītus, jo vēlas dzīvot atsevišķi no vecākiem, bet kuriem nav adekvātu algu, lai iegūtu nekustamo īpašumu citā ceļā. Viņa pati jaunu kredītu ņemtu tikai tad, ja zinātu, ka krīzes situācijā ir pasargāta, piemēram, būtu garantēta atvieglota maksāšana vai valsts atbalsts ģimenēm ar bērniem.

Taču šajā situācijā, kad darba tirgus ļoti strauji mainās, viņa laikam neņemtu kredītu. Pat ja viņa aizņemtos, tas notiktu stingrā juristu uzraudzībā. Viņa netic esošajai kreditēšanas sistēmai.

Palika dzīvot Latvijā

Dana atceras brīdi, kad viņai atņēma dzīvokli un viņai nebija, kur dzīvot. Tajā brīdī viņai bija jāmeklē īres dzīvoklis. Sieviete ar trīs bērniem bija spiesta pārvākties dzīvot ārpus Rīgas. Daudzi viņas paziņas līdzīgā situācijā aizbrauca no Latvijas. Danai ir smagi apzināties, ka Latvijā dzīvojoši un strādājoši cilvēki nevar nopelnīt tik daudz, lai iegādātos savu mitekli, un nav droši par savu nākotni.

Notiekošo pārdzīvoja ne tikai pati sieviete, bet arī viņas bērni. Lai neizsauktu negācijas pret viņiem, ģimene centās īpaši neafišēt, ka mammai ir finansiālas problēmas. Viņa nevēlējās, lai bērniem nāktos saskarties ar stereotipu, ka maksātnespējīgs cilvēks ir neveiksminieks. Viņi centās koncentrēties uz pozitīvo un nezaudēt cilvēciskās vērtības.

Ne vienmēr adekvāta attieksme

Dana arī velta nosodošus vārdus atsevišķiem maksātnespējas procesā iesaistītajiem cilvēkiem, piemēram, sieviete ar diviem dzīvokļiem tika uzskatīta par spekulanti, kā arī maksātnespējas procesa laikā, kad viņa gaidīja trešo bērniņu, viņu uzskatīja par negatīvu maksātāju.

Pēc notikušā Danai ir vairākas atziņas – nepadoties, nenokārt galvu, nenosodīt sevi un apkārtējos, kā arī pilnībā izlasīt līgumu noteikumus (arī sīkā drukā rakstīto tekstu). Ņemot vērā visu pārdzīvoto, Danai ir visai tiešs vērtējums par ātrajiem kredītiem. Pieredzējusī sieviete ātros kredītus uzskata par slazdu, no kā iesaka izvairīties. Viņa uzskata, ka dažu simtu eiro dēļ nevajag bojāt dzīvi un nervus.

Avots: Financenet.tvnet.lv (Tur pieejams arī intervijas video!)

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