{"id":106,"date":"2014-02-14T10:47:16","date_gmt":"2014-02-14T10:47:16","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=106"},"modified":"2014-02-14T10:47:53","modified_gmt":"2014-02-14T10:47:53","slug":"jurists-hipotekaro-kreditu-ligumos-ir-knifini-ko-cilveki-bez-juridiskas-izglitibas-nepamana","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=106","title":{"rendered":"Jurists: “Hipotek\u0101ro kred\u012btu l\u012bgumos ir knifi\u0146i, ko cilv\u0113ki bez juridisk\u0101s izgl\u012bt\u012bbas nepamana”"},"content":{"rendered":"

“Cilv\u0113kiem ir j\u0101zina savas ties\u012bbas. Aprakst\u012bt mantu, veikt ietur\u0113jumus no konta, p\u0101rdot nekustamos \u012bpa\u0161umus Latvijas Republik\u0101 var tikai viena persona \u2013 tiesu izpild\u012bt\u0101js, un tikai p\u0113c tiesas l\u0113muma pie\u0146em\u0161anas, kad ir st\u0101jies sp\u0113k\u0101 tiesas spriedums. Neviena par\u0101du piedzi\u0146as komp\u0101nija, neviens bankas p\u0101rst\u0101vis to dar\u012bt nedr\u012bkst,” uzsver jurists J\u0101nis \u0100boli\u0146\u0161 no Latvijas Kred\u012bt\u0146\u0113m\u0113ju Apvien\u012bbas.<\/strong><\/p>\n

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Ja bankai un hipotek\u0101r\u0101 kred\u012bta \u0146\u0113m\u0113jam rodas domstarp\u012bbas, abi taisn\u012bbu mekl\u0113 pie jurista, kur\u0161 p\u0101rzina likumus.<\/p>\n<\/div>\n

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K\u0101 m\u016bsu valsts likumdo\u0161ana aizst\u0101v priv\u0101tpersonas k\u0101 kred\u012bta \u0146\u0113m\u0113ja intereses, jaut\u0101j\u0101m Latvijas Kred\u012bt\u0146\u0113m\u0113ju Apvien\u012bbas valdes loceklim, juristam, kur\u0161 konsult\u0113 fizisk\u0101s personas maks\u0101tnesp\u0113jas jaut\u0101jumos, J\u0101nim \u0100boli\u0146am.<\/p>\n

K\u0101du iemeslu d\u0113\u013c cilv\u0113ki n\u0101k pie jums l\u016bgt pal\u012bdz\u012bbu?<\/strong><\/p>\n

– No piecdesmit cilv\u0113kiem, kuri Latvijas Kred\u012bt\u0146\u0113m\u0113ju Apvien\u012bb\u0101 v\u0113r\u0161as p\u0113c pal\u012bdz\u012bbas jaut\u0101jumos par hipotek\u0101rajiem kred\u012btiem m\u0101jok\u013ca ieg\u0101dei, tikai vienam pirms l\u012bguma parakst\u012b\u0161anas ir izskaidroti taj\u0101 ietvertie punkti t\u0101, ka vi\u0146\u0161 saprot, ko paraksta. Pirms likt savu parakstu, cilv\u0113kam ir j\u0101b\u016bt izpratnei gan par pamatmaks\u0101jumu, procentu likm\u0113m, atmaksas termi\u0146iem, gan par to, kas ir pats svar\u012bg\u0101kais \u2013 k\u0101das soda sankcijas b\u016bs, ja vi\u0146\u0161 maks\u0101jumus un to termi\u0146us neiev\u0113ros.
\nIlustr\u0101cijai min\u0113\u0161u piem\u0113ru no biju\u0161aj\u0101 “Parex<\/em>“, tagad “Citadeles” bank\u0101 nosl\u0113gta l\u012bguma. Taj\u0101 teikts, ka bankai nokav\u0113juma procenti ir 0,75 % dien\u0101. Tas noz\u012bm\u0113, ka cilv\u0113kam, kur\u0161 nesp\u0113j samaks\u0101t summu, k\u0101du aiz\u0146emas, tr\u012bs m\u0113ne\u0161u laik\u0101 t\u0101 pieaugs tik daudz, cik ir izsniegts aizdevums. Ja cilv\u0113ks b\u016btu par\u0113\u0137in\u0101jis, tad redz\u0113tu, ka 0,75 % x 365 (dienas gad\u0101) = 273 %. Bet cilv\u0113ki tam nepiev\u0113r\u0161 uzman\u012bbu. L\u012bdz\u012bgi ir ar l\u012bgumsodiem.<\/p>\n

Probl\u0113mas rada ar\u012b tas, ka l\u012bgumos ir juridiski termini, kuru b\u016bt\u012bbu cilv\u0113ki bez juridisk\u0101s izgl\u012bt\u012bbas nesaprot. \u013boti svar\u012bgi ir piev\u0113rst uzman\u012bbu tam, vai nekustamo \u012bpa\u0161umu labpr\u0101t\u012bg\u0101 izsol\u0113 var p\u0101rdot vai nevar.<\/p>\n

\u012apa\u0161uma p\u0101rdo\u0161ana labpr\u0101t\u012bg\u0101 izsol\u0113 noz\u012bm\u0113 to, ka banka vienk\u0101r\u0161i ats\u016bt\u012bs br\u012bdin\u0101jumu. Ja cilv\u0113ks neapmaks\u0101s l\u012bgum\u0101 paredz\u0113to summu, banka ies uz tiesu, piepras\u012bs izsoles aktu un \u012bpa\u0161umu var\u0113s p\u0101rdot 3-4 m\u0113ne\u0161os. Ja l\u012bgum\u0101 nav vieno\u0161an\u0101s par \u012bpa\u0161uma p\u0101rdo\u0161anu labpr\u0101t\u012bg\u0101 izsol\u0113, tad bankai j\u0101iet parast\u0101 tiesved\u012bb\u0101 \u2013 j\u0101pier\u0101da, ka par\u0101ds nav atdots, ka l\u012bgumsodi nav nomaks\u0101ti utt.<\/p>\n

Cilv\u0113kiem pr\u0101tu jauc ar\u012b termini “galvot\u0101js” un “l\u012bdzaiz\u0146\u0113m\u0113js”. Lai var\u0113tu sa\u0146emt kred\u012btu, banka cilv\u0113kam var l\u016bgt atrast galvot\u0101ju. Parasti galvot\u0101ji ir vec\u0101ki, radinieki, labi draugi. Bank\u0101s “Danske<\/em>“, “Nordea<\/em>” un savulaik “Hipot\u0113ku bank\u0101” cilv\u0113kiem ir st\u0101st\u012bts, ka vi\u0146i b\u016bs galvot\u0101ji jeb l\u012bdzaiz\u0146\u0113m\u0113ji, jo tie ir divi v\u0101rdi ar vienu noz\u012bmi. No piecdesmit l\u012bgumiem, kurus esmu redz\u0113jis, tikai vien\u0101 ir galvot\u0101js, bet visos p\u0101r\u0113jos \u2013 l\u012bdzaiz\u0146\u0113m\u0113ji. At\u0161\u0137ir\u012bbu starp \u0161iem j\u0113dzieniem cilv\u0113ki aptver tad, ja kred\u012bt\u0146\u0113m\u0113js non\u0101k l\u012bdz maks\u0101tnesp\u0113jai.<\/p>\n

Izejot maks\u0101tnesp\u0113jas procesu, galvot\u0101jam par\u0101dsaist\u012bbas vajadz\u0113tu dz\u0113st. Bet l\u012bdzaiz\u0146\u0113m\u0113js atbild t\u0101pat k\u0101 visi p\u0101r\u0113jie aiz\u0146\u0113m\u0113ji, t\u0101p\u0113c ar\u012b vi\u0146am ir j\u0101iziet maks\u0101tnesp\u0113jas process \u2013 vi\u0146am nav t\u0101s priek\u0161roc\u012bbas, kas var\u0113tu b\u016bt galvot\u0101jam, kuram maks\u0101tnesp\u0113jas process nav j\u0101iziet. T\u0101p\u0113c ir j\u0101piev\u0113r\u0161 uzman\u012bba, lai l\u012bgum\u0101 b\u016btu rakst\u012bts galvot\u0101js.<\/p>\n

Lai cilv\u0113ks izvair\u012btos no situ\u0101cijas, ka paraksta to, ko \u012bsti nesaprot, hipotek\u0101r\u0101 kred\u012bta l\u012bgumu vispirms b\u016btu pr\u0101t\u012bgi izskat\u012bt kop\u0101 ar juristu, kas ir specializ\u0113jies kred\u012btjaut\u0101jumos. Pie mums Latvijas Kred\u012bt\u0146\u0113m\u0113ju Apvien\u012bb\u0101 ir juristi, kuri pa\u0161i str\u0101d\u0101ju\u0161i bank\u0101s un, izskatot l\u012bgumu, var br\u012bdin\u0101t par riskiem, kas taj\u0101 ietverti. Konsult\u0101cija maks\u0101 15 latus. Vair\u0101k inform\u0101cijas atrad\u012bsiet\u00a0http:\/\/www.kreditnemeji.lv<\/a>.<\/p>\n

Ja cilv\u0113ks ir sapratis kred\u012btl\u012bguma nosac\u012bjumus, un taj\u0101 ir punkti, kas vi\u0146u neapmierina, vi\u0146\u0161 var doties uz banku un l\u016bgt tos izmain\u012bt. Un pieredze liecina, ka banka tos ar\u012b izmaina.<\/p>\n

Vai ir iesp\u0113ja kori\u0123\u0113t l\u012bguma nosac\u012bjumus ar\u012b tad, ja tas jau parakst\u012bts?<\/strong><\/p>\n

– Ja l\u012bgums jau ir parakst\u012bts un cilv\u0113ks tikai p\u0113c tam aptver, ka taj\u0101 ir punkti, kas vi\u0146u neapmierina, vi\u0146\u0161 m\u0113ne\u0161a laik\u0101 var v\u0113rsties Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centr\u0101 ar l\u016bgumu: “Ar mani netika apspriest \u0161is l\u012bguma punkts. L\u016bdzu iesaist\u012bties j\u016bsu centru \u0161o domstarp\u012bbu nov\u0113r\u0161an\u0101, jo es uzskatu, ka \u0161is punkts ir netaisn\u012bgs.” Daudzi cilv\u0113ki to nezina, t\u0101p\u0113c neizmanto savas ties\u012bbas.<\/p>\n

Cilv\u0113kiem nopietnas probl\u0113mas ar hipotek\u0101ro kred\u012btu atmaksu s\u0101k\u0101s kr\u012bzes laik\u0101, kad krasi pieauga bezdarbs un str\u0101d\u0101jo\u0161ajiem iev\u0113rojami tika samazin\u0101tas algas. Bankas aicina cilv\u0113kus n\u0101kt un run\u0101t par finansu probl\u0113m\u0101m savlaic\u012bgi. Ta\u010du cilv\u0113ku pieredze liecina, ka mekl\u0113jot atbalstu bank\u0101, vi\u0146i non\u0101k v\u0113l sare\u017e\u0123\u012bt\u0101k\u0101 finansi\u0101l\u0101 situ\u0101cij\u0101.<\/strong><\/p>\n

– Pie mums bie\u017ei v\u0113r\u0161as cilv\u0113ki, kuri l\u016bgu\u0161i kred\u012bta br\u012bvdienas, jo \u0161is termins vi\u0146iem psiholo\u0123iski asoci\u0113jas ar atp\u016btu, kas \u013cauj uzkr\u0101t sp\u0113kus jeb \u0161aj\u0101 gad\u012bjum\u0101 uzlabot finansi\u0101lo situ\u0101ciju. Ta\u010du realit\u0101te ir cita \u2013 nav kred\u012bta br\u012bvdienu bez sankcij\u0101m. \u013boti bie\u017ei \u2013 95 % gad\u012bjumu, mainot l\u012bguma nosac\u012bjumus, cilv\u0113ks pusgadu tie\u0161\u0101m maks\u0101 maz\u0101k, piem\u0113ram, tikai procentu summu, bet p\u0113c tam vi\u0146a maks\u0101jumi k\u013c\u016bst krietni liel\u0101ki un n\u0101kas maks\u0101t vair\u0101k. L\u012bdz ar to patiesi bie\u017ei ir t\u0101, ka lab\u0101k sakostiem zobiem turpin\u0101t maks\u0101t l\u012bgum\u0101 min\u0113to summu, nevis l\u016bgt k\u0101dus groz\u012bjumus.<\/p>\n

Probl\u0113mas rodas ar\u012b tiem, kuri j\u016bt, ka kred\u012bta slogs vi\u0146iem ir par smagu, un risin\u0101jumu m\u0113\u0123ina rast, m\u0101jokli p\u0101rdodot. T\u0101 k\u0101 nekustamais \u012bpa\u0161ums ir ie\u0137\u012bl\u0101ts, to nevar p\u0101rdot bez bankas piekri\u0161anas. \u0160ajos gad\u012bjumos skarba m\u0101c\u012bba, ko piedz\u012bvo cilv\u0113ki, ir t\u0101, ka vi\u0146i ar bankas darbiniekiem vienojas mutiski. Piem\u0113ram, cilv\u0113ks aiziet uz banku un jaut\u0101, vai varu dz\u012bvokli p\u0101rdot par 45 t\u016bksto\u0161iem. Vi\u0146am atbild: “J\u0101, n\u0101ciet kop\u0101 ar pirc\u0113ju.” Kad vi\u0146i ierodas abi, banka v\u0113las vair\u0101k \u2013 50 vai 55 t\u016bksto\u0161us. Ja cilv\u0113kam b\u016btu rakstisks iesniegums un rakstiska bankas atbilde, vi\u0146\u0161 var\u0113tu v\u0113rsies Pat\u0113r\u0113t\u0101ju Ties\u012bbu aizsardz\u012bbas centr\u0101. Bet, ja ir tikai mutiska atbilde, cilv\u0113ks neko nevar pier\u0101d\u012bt, jo, ja b\u016bs str\u012bds, tiesa pras\u012bs pier\u0101d\u012bjumus, bet, k\u0101 m\u0113dz teikt: “Mutisku atbildi pie lietas pie\u0161\u016bt nevar.”<\/p>\n

T\u0101p\u0113c j\u0101atceras, ka jebkuras vieno\u0161an\u0101s ar banku ir j\u0101noform\u0113 rakstveid\u0101. Ta\u010du ar\u012b tas nav par br\u012bvu. Un, piem\u0113ram, valsts p\u0101rzi\u0146\u0101 eso\u0161\u0101s “Citadele” vai “Reverta” bankas, kur\u0101m m\u0113s pal\u012bdzam atg\u016bties ar m\u016bsu nodok\u013cu maks\u0101t\u0101ju naudu, par izzi\u0146u no iedz\u012bvot\u0101jiem prasa 25 latus.<\/p>\n

Probl\u0113mas nebeidzas ar\u012b tad, ja kred\u012bta \u0146\u0113m\u0113js ar banku vienojas, un m\u0101joklis ir p\u0101rdots, jo nekustamo \u012bpa\u0161umu cenas ir \u013coti kritu\u0161\u0101s, un ar ieg\u016bto naudu var nosegt tikai da\u013cu no kred\u012bta.
\nPasaules Banka pirms p\u0101ris gadiem veica anal\u012bzi, p\u0113c kuras secin\u0101ja, ka nekustam\u0101 \u012bpa\u0161uma kr\u012bze Latviju bija sk\u0101rusi vissmag\u0101k. Mums banku p\u0101rst\u0101vji st\u0101st\u012bja, ka \u012bpa\u0161uma v\u0113rt\u012bba ir kritusies par 20 \u2013 25 %, bet Pasaules Bankas p\u0113t\u012bjum\u0101 tika pier\u0101d\u012bts, ka Latvij\u0101 nekustam\u0101 \u012bpa\u0161uma cenas krit\u0101s vid\u0113ji par 70 %. Ja b\u016btu t\u0101, k\u0101 mums teica, ka m\u0101jok\u013cu cenas samazin\u0101ju\u0161\u0101s par 20 \u2013 25 %, tad cilv\u0113kiem b\u016btu iesp\u0113jas no finansi\u0101l\u0101s kr\u012bzes tikt \u0101r\u0101, bet cenu kri\u0161an\u0101s par 70 %, turkl\u0101t v\u0113l radik\u0101la ien\u0101kumu samazin\u0101\u0161an\u0101s rad\u012bja situ\u0101ciju, ka \u013coti daudziem hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem re\u0101li nebija nek\u0101du variantu, k\u0101 no t\u0101s iz\u0137epuroties.<\/p>\n

Kr\u012bzes apst\u0101k\u013cos katrs vispirms dom\u0101 par sevi, bet banka un priv\u0101tpersona ir divas at\u0161\u0137ir\u012bgas svara kategorijas. K\u0101di likumi aizst\u0101v kred\u012bta \u0146\u0113m\u0113ju?<\/strong><\/p>\n

– Civillikum\u0101 ir viens pants, kur\u0101 teikts, ka par\u0101dnieks atbild ar visu savu mantu l\u012bdz tam br\u012bdim, kam\u0113r vi\u0146\u0161 nor\u0113\u0137in\u0101s.\u00a0Priv\u0101tpersonu, kas \u0146\u0113musi hipotek\u0101ro kred\u012btu, aizst\u0101v Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likums, uz ko var atsaukties situ\u0101cij\u0101s, kad ir apr\u0113\u0137in\u0101ti nenorm\u0101li lieli l\u012bgumsodi. Bet pieredze liecina, ka \u0161\u012b aizsardz\u012bba ir diezgan v\u0101ja.<\/p>\n

Toties tipiskas ir situ\u0101cijas, kad cilv\u0113kus, kuri nenor\u0113\u0137in\u0101s par maks\u0101jumiem, ietekm\u0113 psiholo\u0123iski. Par\u0101du piedzin\u0113ji zvana un draud: “Ja nesamaks\u0101si par\u0101du, brauksim pie tevis uz m\u0101j\u0101m un parun\u0101sim cit\u0101d\u0101k\u0101 veid\u0101!” Turkl\u0101t zvana ne tikai kred\u012bta \u0146\u0113m\u0113jiem, bet uzmekl\u0113 ar\u012b vi\u0146u dz\u012bvesbiedrus un radus. Jaut\u0101jums ir, k\u0101 par\u0101du piedzin\u0113ji ieg\u016bst priv\u0101to inform\u0101ciju, jo ir simtiem gad\u012bjumu, kad zvana pat vecm\u0101mi\u0146\u0101m, un st\u0101sta, ka mazd\u0113ls s\u0113d\u0113s cietum\u0101, ja nekav\u0113joties nenor\u0113\u0137in\u0101sies ar kreditoriem. Bie\u017ei cilv\u0113kiem draud, ka atbrauks ar policiju, at\u0146ems mantu, izliks no m\u0101j\u0101m.<\/p>\n

Vai dr\u012bkst draud\u0113t cilv\u0113kam, kur\u0161 nav nor\u0113\u0137in\u0101jies ar kreditoru?<\/strong><\/p>\n

– Nedr\u012bkst. Cilv\u0113kiem ir j\u0101zina savas ties\u012bbas. Aprakst\u012bt mantu, veikt ietur\u0113jumus no konta, p\u0101rdot nekustamos \u012bpa\u0161umus Latvijas Republik\u0101 var tikai viena persona \u2013 tiesu izpild\u012bt\u0101js, un tikai p\u0113c tiesas l\u0113muma pie\u0146em\u0161anas, kad ir st\u0101jies sp\u0113k\u0101 tiesas spriedums. Neviena par\u0101du piedzi\u0146as komp\u0101nija, neviens bankas p\u0101rst\u0101vis to dar\u012bt nedr\u012bkst.<\/p>\n

Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 ir teikts, ka tikai tad, ja cilv\u0113ks 60 dienas nav veicis maks\u0101jumus piln\u0101 apm\u0113r\u0101, banka var izs\u016bt\u012bt vi\u0146am br\u012bdin\u0101jumu par atk\u0101p\u0161anos no l\u012bguma. Un tikai p\u0113c tam banka var v\u0113rsties ties\u0101 ar pieteikumu par par\u0101du piedzi\u0146u.<\/p>\n

T\u0101tad, raugoties no likumdo\u0161anas viedok\u013ca, kred\u012bta \u0146\u0113m\u0113js, kur\u0161 nevar nor\u0113\u0137in\u0101ties ar banku, kr\u012bzes situ\u0101cij\u0101 ir piln\u012bgi neaizsarg\u0101ts.<\/strong><\/p>\n

– Likumus, kas l\u012bdzsvaro kreditoru un par\u0101dnieku intereses, vajadz\u0113ja izstr\u0101d\u0101t jau pirms kr\u012bzes, t\u0101 sauktajos treknajos gados. Kad iest\u0101j\u0101s kr\u012bze, vajadz\u0113ja pie\u0146emt likumus gan par l\u012bgumsodiem, gan hipotek\u0101rajiem kred\u012btiem.<\/p>\n

M\u0113s tr\u012bs gadus cent\u0101mies pan\u0101kt izmai\u0146as Civilprocesa likum\u0101, lai\u00a0cilv\u0113kiem pie mums t\u0101pat k\u0101 \u0101rzemes b\u016btu nodro\u0161in\u0101ts neaizskaramais minimums. \u0160\u012b gada maij\u0101 Saeima par \u0161iem groz\u012bjumiem nobalsoja, un tie st\u0101sies sp\u0113k\u0101 no 2014. gada 1. janv\u0101ra. Tas noz\u012bm\u0113, ka uz par\u0101dnieku b\u016bs j\u0101paliek l\u012bdzek\u013ciem no darba samaksas vienas minim\u0101l\u0101s m\u0113ne\u0161algas apm\u0113r\u0101. Ar jauno gadu tie b\u016bs 225 lati un 45 lati uz par katru apg\u0101d\u012bb\u0101 eso\u0161o personu.<\/p>\n

Tieslietu ministrij\u0101 p\u0113c Kl\u0101va Ol\u0161teina vad\u012bt\u0101s neatkar\u012bgo deput\u0101tu grupas un biju\u0161\u0101 tieslietu ministra Gaida B\u0113rzi\u0146a (NA) ierosin\u0101juma tika izveidota darba grupa Hipotek\u0101r\u0101 kredit\u0113\u0161anas likuma izstr\u0101dei. M\u0113s atbalst\u012bj\u0101m ideju par “nolikto atsl\u0113gu principu”, kas darbojas Amerik\u0101 \u2013 ja kred\u012bt\u0146\u0113m\u0113js nevar atmaks\u0101t m\u0101joklim pa\u0146emto kred\u012btu, vi\u0146\u0161 \u012bpa\u0161umu atdod bankai, un, pat ja tas nesedz visu kred\u012bta summu, ir br\u012bvs no kred\u012btsaist\u012bb\u0101m. Diem\u017e\u0113l Finan\u0161u ministrija kop\u0101 ar komercbank\u0101m un Finan\u0161u un kapit\u0101la tirgus komisiju \u0161o ideju noraid\u012bja jau pa\u0161\u0101 sakn\u0113, pau\u017eot ba\u017eas, ka tam sekos \u013coti drastiski noteikumi kred\u012btu izsnieg\u0161anai \u2013 bankas tos kredit\u0113s tikai par 70 %, un priv\u0101tperson\u0101m tie b\u016bs gr\u016bt\u0101k pieejami.<\/p>\n

Diem\u017e\u0113l l\u012bdz rudenim ir atlikta ar\u012b fizisk\u0101s personas Maks\u0101tnesp\u0113jas likuma izskat\u012b\u0161ana par maks\u0101tnesp\u0113jas procesa termi\u0146a samazin\u0101\u0161anu par gadu. Pie \u0161\u012b likuma izveides str\u0101d\u0101 Saeimas Tautsaimniec\u012bbas komisijas Maks\u0101tnesp\u0113jas likuma darba grupa.<\/p>\n

Patlaban cilv\u0113kiem, kuri nesp\u0113j nor\u0113\u0137in\u0101ties ar banku, atliek tikai maks\u0101tnesp\u0113ja, kas noz\u012bm\u0113, ka \u0123imene zaud\u0113 vien\u012bgo m\u0101jokli \u2013 sav\u0101 t\u0113vzem\u0113 paliek bez m\u0101j\u0101m, ien\u0101kumiem un ir spiesta doties sve\u0161um\u0101. Banku speci\u0101listi st\u0101sta, ka bank\u0101m ir labi tad, ja labi kl\u0101jas vi\u0146u klientiem. Valsts mekl\u0113 veidus, k\u0101 savus cilv\u0113kus ataicin\u0101t m\u0101j\u0101s. K\u0101p\u0113c lo\u0123iski likumu projekti, kas cen\u0161as sak\u0101rtot situ\u0101ciju ar hipotek\u0101ro kredit\u0113\u0161anu, sastopas ar tik milz\u012bgu pretest\u012bbu?<\/strong><\/p>\n

– Jo dzi\u013c\u0101ka b\u016bs plaisa starp kred\u012bta dev\u0113jiem un \u0146\u0113m\u0113jiem, jo liel\u0101ki b\u016bs abu pu\u0161u zaud\u0113jumi, bet v\u0113l liel\u0101ka zaud\u0113t\u0101ja b\u016bs valsts. M\u016bsu banku speci\u0101listiem ir j\u0101apzin\u0101s tas, ko daudz ilg\u0101k\u0101 kredit\u0113\u0161anas pieredz\u0113 ir sapratu\u0161i vi\u0146u kol\u0113\u0123i \u0101rzem\u0113s \u2013 kr\u012bzes situ\u0101cij\u0101s j\u0101mekl\u0113 iesp\u0113jas pan\u0101kt pret\u012b saviem klientiem, jo p\u0113c kr\u012bzes p\u0101rvar\u0113\u0161anas b\u016bs j\u0101str\u0101d\u0101 ar tiem pa\u0161iem cilv\u0113kiem, kuriem kred\u012bti jau ir doti. Run\u0101jot par valsti, t\u0101 jau ir cietusi milz\u012bgus zaud\u0113jumus, jo no Latvijas izbrauku\u0161i ap 20 t\u016bksto\u0161iem ekonomiski akt\u012bvo iedz\u012bvot\u0101ju, kuri ar saviem nodok\u013ciem valstij ir pal\u012bdz\u0113ju\u0161i iz\u0137epuroties no kr\u012bzes. Un vi\u0146u skaits turpina pieaugt.<\/p>\n

Bet likumu pie\u0146em\u0161anu kav\u0113 t\u012bri matem\u0101tiska proced\u016bra \u2013 deput\u0101tu balsojums.\u00a0Ol\u0161teinie\u0161iem<\/em>,\u00a0t\u0113vzemie\u0161iem<\/em>\u00a0un v\u0113l da\u017eiem deput\u0101tiem kop\u0101 ir par maz balsu, lai Saeim\u0101 pie\u0146emtu likumus, kas \u0161aj\u0101 gad\u012bjum\u0101 aizst\u0101v iedz\u012bvot\u0101ju k\u0101 hipotek\u0101ro kred\u012bt\u0146\u0113m\u0113ju intereses. Banku lobijs ir sp\u0113c\u012bg\u0101ks. K\u0101p\u0113c t\u0101, tas ir person\u012bgs jaut\u0101jums katram deput\u0101tam, jo tikai vi\u0146\u0161 zina patieso atbildi, k\u0101p\u0113c vi\u0146a balss ir “par” vai “pret”.<\/p>\n

Autors:\u00a0Rasma Rudz\u0101te<\/a><\/p>\n

http:\/\/www.aprinkis.lv\/ekonomika\/finanses\/item\/11653-jurists-hipotekaro-kreditu-ligumos-ir-knifini-ko-cilveki-bez-juridiskas-izglitibas-nepamana<\/a><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

“Cilv\u0113kiem ir j\u0101zina savas ties\u012bbas. Aprakst\u012bt mantu, veikt ietur\u0113jumus no konta, p\u0101rdot nekustamos \u012bpa\u0161umus Latvijas Republik\u0101 var tikai viena persona<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-106","post","type-post","status-publish","format-standard","hentry","category-pubikacija"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/106","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=106"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/106\/revisions"}],"predecessor-version":[{"id":107,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/106\/revisions\/107"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=106"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}