{"id":121,"date":"2014-02-14T10:56:51","date_gmt":"2014-02-14T10:56:51","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=121"},"modified":"2014-02-14T10:56:51","modified_gmt":"2014-02-14T10:56:51","slug":"lai-pasargatu-savejos-nestastu-par-maksatnespejas-procesu-2","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=121","title":{"rendered":"Lai pasarg\u0101tu sav\u0113jos, nest\u0101stu par maks\u0101tnesp\u0113jas procesu"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"line-height: 1.5em;\">T\u0101 pirms intervijas strikti nosaka Marta (v\u0101rds main\u012bts) no Salaspils. Vi\u0146a piekrita padal\u012bties ar savu st\u0101stu, jo uzskata, ka sabiedr\u012bb\u0101 par to tiek run\u0101ts p\u0101r\u0101k maz.<!--more--><\/span><\/p>\n<div style=\"text-align: justify;\">\n<div>\n<p>Cilv\u0113ki, kuri nesp\u0113j nor\u0113\u0137in\u0101ties par hipotek\u0101rajiem kred\u012btiem, no sabiedr\u012bbas liel\u0101koties j\u016bt negat\u012bvu attieksmi. &#8220;Es uzskatu, ka par \u0161iem jaut\u0101jumiem ir j\u0101run\u0101, bet l\u016bdzu nemin\u0113t manu v\u0101rdu b\u0113rnu un vi\u0146u t\u0113va d\u0113\u013c, lai pasarg\u0101tu vi\u0146us no vienaud\u017eu, kol\u0113\u0123u un sve\u0161u cilv\u0113ku p\u0101rmetumiem, ko pati piedz\u012bvoju, l\u012bdz non\u0101cu l\u012bdz maks\u0101tnesp\u0113jas procesam,&#8221; t\u0101 Marta.<\/p>\n<\/div>\n<p><strong>Sakr\u0101t naudu dz\u012bvoklim \u2013 nere\u0101li<br \/>\n<\/strong>\u0145emt hipotek\u0101ro kred\u012btu tr\u012bsistabu dz\u012bvoklim sieviete izl\u0113ma pati, jo viena audzin\u0101ja meitu. Meiti\u0146a bija pusaudze un vienistabas dz\u012bvokl\u012b ab\u0101m k\u013cuva par \u0161auru. Marta str\u0101d\u0101ja valsts apmaks\u0101t\u0101 darb\u0101 R\u012bg\u0101, un peln\u012bja p\u0101ri par 700 latiem m\u0113nes\u012b. Vismaz reizi gad\u0101 sa\u0146\u0113ma pr\u0113mijas un pa br\u012bvdien\u0101m piepeln\u012bj\u0101s, veicot papildus darbi\u0146us. &#8220;T\u0101p\u0113c 2007. gad\u0101 mani ien\u0101kumi piln\u012bb\u0101 atbilda tam, lai es var\u0113tu at\u013cauties kred\u012btu. Lai b\u016btu pirm\u0101 iemaksa, es ie\u0137\u012bl\u0101ju savu vienistabas dz\u012bvokl\u012bti vien\u0101 no skandin\u0101vu bank\u0101m, un pa\u0146\u0113mu 20 t\u016bksto\u0161us latu, lai b\u016btu nauda ne vien \u0137\u012blai, bet ar\u012b dz\u012bvok\u013ca remontam. Otr\u0101 \u2013 viet\u0113j\u0101 bank\u0101 aiz\u0146\u0113mos 58 t\u016bksto\u0161us latu un nopirku tr\u012bsistabu dz\u012bvokli. Sar\u0113\u0137inot kred\u012btmaks\u0101jumus ab\u0101s bank\u0101s, man t\u0101m bija j\u0101maks\u0101 500 lati m\u0113nes\u012b, ko bez probl\u0113m\u0101m ar\u012b dar\u012bju,&#8221; st\u0101sta salaspiliete.<\/p>\n<p><strong>Kr\u012bze ievie\u0161 korekcijas<br \/>\n<\/strong>2008. gada vasaras nogal\u0113 sievietes darb\u0101 jau bija dzirdamas pirm\u0101s neofici\u0101l\u0101s runas par \u0161tatu samazin\u0101\u0161anu un algu kritumu. &#8220;Intu\u012bcija man teica, ka mazo dz\u012bvokl\u012bti vajag p\u0101rdod, bet bija jau par v\u0113lu. Notika tas, par ko run\u0101ja kulu\u0101ros \u2013 da\u013cu darbinieku atlaida, bet p\u0101r\u0113jiem algas samazin\u0101ja uz pusi, un mani ien\u0101kumi saruka l\u012bdz 380 latiem m\u0113nes\u012b. Valst\u012b ieviest\u0101 taup\u012bbas re\u017e\u012bma d\u0113\u013c pr\u0113mijas nogrieza, un tiem, kurus darb\u0101 patur\u0113ja, darba apjoms krietni pieauga uz atlaisto r\u0113\u0137ina, t\u0101p\u0113c papildus piepeln\u012bties vairs nevar\u0113ja,&#8221; savu situ\u0101ciju ekonomisk\u0101s kr\u012bzes laik\u0101 atkl\u0101j sieviete.<\/p>\n<p>Ar 380 latiem m\u0113nes\u012b atdot 500 latu lielo kred\u012btu nebija iesp\u0113jams. T\u0101p\u0113c Marta g\u0101ja run\u0101t ar bank\u0101m. P\u0101rdot ie\u0137\u012bl\u0101tos dz\u012bvok\u013cus t\u0101s nepiekrita, jo cenas bija strauji kritu\u0161\u0101s. Toties s\u0101ka interes\u0113ties, vai vi\u0146ai un tuviniekiem nav k\u0101di zemes gabali, ko var\u0113tu ie\u0137\u012bl\u0101t. &#8220;Nek\u0101 vair\u0101k par vienistabas dz\u012bvokl\u012bti, kas jau ie\u0137\u012bl\u0101ts, man nebija, un abas bankas man iedeva kred\u012bta br\u012bvdienas, jo abpus\u0113ji cer\u0113j\u0101m, ka situ\u0101cija ar finans\u0113m normaliz\u0113sies. Pus gadu es maks\u0101ju par abiem dz\u012bvok\u013ciem \u013coti simbolisku summu,&#8221; st\u0101sta Marta.<\/p>\n<p>Diem\u017e\u0113l p\u0113c pus gada situ\u0101cija k\u013cuva nevis lab\u0101ka, bet v\u0113l saspringt\u0101ka. Kad kred\u012bta br\u012bvdienas beidz\u0101s, st\u0101j\u0101s sp\u0113k\u0101 restrukturiz\u0113tie, jeb p\u0101rsl\u0113gtie l\u012bgumi ar ab\u0101m bank\u0101m. Piecu procentu maks\u0101jums skandin\u0101vu bank\u0101 par vienistabas dz\u012bvokl\u012bti palielin\u0101j\u0101s l\u012bdz asto\u0146iem procentiem, bet piecu procentu maks\u0101jums viet\u0113j\u0101 bank\u0101 par tr\u012bsistabu dz\u012bvokli palielin\u0101j\u0101s l\u012bdz 13 procentiem. &#8220;L\u012bdz ar to pamatsumma, ko pa kred\u012bta br\u012bvdien\u0101m nemaks\u0101ju, bija uzaugusi, un procentu maks\u0101jumi pieaugu\u0161i divk\u0101rt\u012bgi,&#8221; t\u0101 saukto kred\u012btbr\u012bvdienu \u0113nas puses atkl\u0101j sieviete.<\/p>\n<p><strong>Dokumentus maks\u0101tnesp\u0113jas procesam k\u0101rtoja pati<br \/>\n<\/strong>&#8220;Es sapratu, ka kred\u012bta slogs man vairs neb\u016bs pa sp\u0113kam. Lai orient\u0113tos m\u016bsu likumos ir vajadz\u012bgas jurista zin\u0101\u0161anas, bet, lai saprastu skait\u013cu lo\u0123iku, j\u0101b\u016bt izpratnei finans\u0113s. Augst\u0101k\u0101 humanit\u0101r\u0101 izgl\u012bt\u012bba, ko biju ieguvusi, man l\u012bdz\u0113t nevar\u0113ja. Mekl\u0113jot pal\u012bdz\u012bbu, es internet\u0101 atradu Latvijas Kred\u012bt\u0146\u0113m\u0113ju Apvien\u012bbu un aizg\u0101ju uz konsult\u0101ciju pie jurista. Es sajutu atbalstu, un tas vien jau man dar\u012bja gai\u0161\u0101ku skatu uz dz\u012bvi. Tobr\u012bd vien\u012bgais likum\u012bgais risin\u0101jums man\u0101 situ\u0101cij\u0101 bija maks\u0101tnesp\u0113ja, un man izskaidroja procesu, k\u0101 tas notiks,&#8221; atminas Marta.<\/p>\n<p>Sieviete s\u0101kusi k\u0101rtot nepiecie\u0161amos dokumentus, un pati iesniedza tos ties\u0101, negaidot, ka to dar\u012bs bankas. Ta\u010du tiesa to neat\u013c\u0101va un vair\u0101kk\u0101rt atteica, jo p\u0113c iepriek\u0161\u0113j\u0101 Maks\u0101tnesp\u0113jas likuma vi\u0146a nevar\u0113ju iziet fizisk\u0101s personas maks\u0101tnesp\u0113jas procesu, t\u0101p\u0113c, ka nebija nodro\u0161in\u0101juma \u2013ne naudas, ne citu \u012bpa\u0161umu, k\u0101 tikai abi ie\u0137\u012bl\u0101tie dz\u012bvok\u013ci.\u00a0Tikai p\u0113c diviem gadiem, kad 2011. gada s\u0101kum\u0101 pie\u0146\u0113ma jauno Maks\u0101tnesp\u0113jas likumu, tienesis at\u013c\u0101va s\u0101kt maks\u0101tnesp\u0113jas procesu, jo jaunais likums paredz, ka pat tad, ja ir tikai minim\u0101lie ien\u0101kumi \u2013 200 lati m\u0113nes\u012b, un ir paliku\u0161i par\u0101di p\u0113c tam, kad abi ie\u0137\u012bl\u0101tie dz\u012bvok\u013ci p\u0101rdoti izsol\u0113, var iziet maks\u0101tnesp\u0113jas procesu.<\/p>\n<p>&#8220;Ar\u012b pats maks\u0101tnesp\u0113jas process p\u0113c jaun\u0101 Maks\u0101tnesp\u0113jas likuma ir daudz loj\u0101l\u0101ks. Man bija j\u0101iemaks\u0101 administratoram tikai pirmreiz\u0113j\u0101 iemaksa 400 lati, lai vi\u0146\u0161 var veikt visus organizatoriskos darbus, kas saist\u012bti ar \u012bpa\u0161umu p\u0101rdo\u0161anu izsol\u0113. Manu vienistabas dz\u012bvokli, kas bija \u0137\u012bla 20 t\u016bksto\u0161iem latu, izsol\u0113 p\u0101rdeva par 700 latiem, bet tr\u012bsistabu dz\u012bvokli, ko nopirku par 58 t\u016bksto\u0161iem latu, izsol\u0113 p\u0101rdeva par 12 t\u016bksto\u0161iem latu. Toties mans par\u0101ds bankai no 78 t\u016bksto\u0161iem latu procentu d\u0113\u013c bija uzaudzis p\u0101ri par 100 t\u016bksto\u0161iem latu,&#8221; sav\u0101s nedien\u0101s dal\u0101s salaspiliete.<\/p>\n<p>Saska\u0146\u0101 ar likumu p\u0113c dz\u012bvok\u013cu p\u0101rdo\u0161anas izsol\u0113, Martai atlikus\u012b par\u0101da summa ir j\u0101turpina maks\u0101t 3,5 gadus, ik m\u0113nesi iemaks\u0101jot 1\/3 no vi\u0146as ien\u0101kumiem, ko proporcion\u0101li par\u0101da summai ieskaita katr\u0101 no bank\u0101m.\u00a0&#8220;Tas noz\u012bm\u0113, ka man no saviem ien\u0101kumiem \u2013 380 latiem, ik m\u0113nesi ir j\u0101maks\u0101 kreditoriem 126,67 lati. V\u0113l sa\u0146emu valsts \u0123imenes pabalstu 16 latus (divi b\u0113rnu pabalsti),&#8221; skaidro Marta.<\/p>\n<p>Ta\u010du st\u0101st\u0101 ir ar\u012b kaut kas pozit\u012bvs. Kr\u012bze vi\u0146u satuvin\u0101ja ar cilv\u0113ku, kur\u0161 atbalst\u012bja smag\u0101 br\u012bd\u012b, jo redz\u0113ja, ka sieviete netiek gal\u0101 ar kred\u012btiem, bet turpina c\u012bn\u012bties, jo v\u0113las likum\u012bgi sak\u0101rtot savas par\u0101dsaist\u012bbas ar kreditoriem. &#8220;Vi\u0146\u0161 n\u0101ca man pal\u012bg\u0101 un pied\u0101v\u0101ja dz\u012bvesvietu, kas taj\u0101 br\u012bd\u012b bija aktu\u0101li. Es sapratu, ka dz\u012bvoklis agr\u0101k vai v\u0113l\u0101k b\u016bs j\u0101atbr\u012bvo, jo tas non\u0101ks cita \u012bpa\u0161nieka apsaimnieko\u0161an\u0101. Es esmu laim\u012bga, jo patlaban m\u0113s abi esam k\u013cuvu\u0161i bag\u0101t\u0101ki v\u0113l ar diviem b\u0113rni\u0146iem. Manai vec\u0101kajai meitai ir 23 gadi, bet maz\u0101k\u0101s ir piecus un divus gadus vecas,&#8221; lepojas triju meitu m\u0101mi\u0146a.<\/p>\n<p>Nepat\u012bkams p\u0101rsteigums bijis ar\u012b \u012bpa\u0161aj\u0101 b\u0113rni\u0146a gaid\u012b\u0161anas laik\u0101. &#8220;Kad biju dekr\u0113ta atva\u013cin\u0101jum\u0101, man piezvan\u012bja no bankas un teica: &#8220;J\u016bs esiet pirmsdzemd\u012bbu atva\u013cin\u0101jum\u0101. J\u016bs ta\u010du variet pa\u0146em naudu no b\u0113rna t\u0113va. Varb\u016bt vi\u0146am ir ar\u012b k\u0101di \u012bpa\u0161umi?&#8221; Atz\u012b\u0161os, ka biju \u013coti izbr\u012bn\u012bta par \u0161o zvanu, un atbild\u0113ju: &#8220;J\u0101, esmu st\u0101vokl\u012b, bet savu priv\u0101to dz\u012bvi nekur neesmu afi\u0161\u0113jusi. Un k\u0101ds sakars ir b\u0113rna t\u0113vam, ar kuru neesam ofici\u0101l\u0101 laul\u012bb\u0101, ar manu un bankas nosl\u0113gto l\u012bgumu?&#8221; P\u0113c t\u0101s sarunas palika \u013coti neomul\u012bga saj\u016bta. &#8220;Kur ir robe\u017ea starp manu sabiedrisko un priv\u0101to dz\u012bvi? Vai es un mani tuvinieki esam pasarg\u0101ti?&#8221; jaut\u0101 sieviete.<\/p>\n<p><strong>Bankas &#8220;melnaj\u0101 sarakst\u0101&#8221;<br \/>\n<\/strong>Par to, ka iziet maks\u0101tnesp\u0113jas procesu, Marta nest\u0101st\u012bja ar\u012b pazi\u0146\u0101m, jo neskait\u0101ms reizes par citiem cilv\u0113kiem bija dzird\u0113jusi: &#8220;J\u0101, to d\u0113\u013c, kuri ir sagr\u0101bu\u0161ies \u012bpa\u0161umus un grib bankrot\u0113t, mums bank\u0101s tagad ir j\u0101maks\u0101 komisija maksa.&#8221; Bet ar\u012b tiem, kuri ir bankrot\u0113ju\u0161i, t\u0101 ir j\u0101maks\u0101, jo ir j\u0101turpina k\u0101rtot savas saist\u012bbas.<\/p>\n<p>&#8220;Lai var\u0113tu vienu tre\u0161da\u013cu no ikm\u0113ne\u0161a ien\u0101kumiem iemaks\u0101t caur internetbanku, es griezos bank\u0101 ar l\u016bgumu atv\u0113rt kontu, bet sa\u0146\u0113mu \u0161\u0101du atbildi: &#8220;J\u016bs pati esiet vain\u012bga. T\u0101diem k\u0101 j\u016bs, m\u0113s kontus va\u013c\u0101 neveram. Jums b\u016bs j\u0101n\u0101k katru m\u0113nesi, j\u0101maks\u0101 komisijas maksa Ls 2,50 un maks\u0101jums kreditoriem j\u0101veic skaidr\u0101 naud\u0101.&#8221; Es paklus\u0113ju, jo sapratu, ka jaun\u0101 meitene, kas s\u0113d\u0113ja man pret\u012b, ir algota darbiniece un vi\u0146ai ir j\u0101pilda darba dev\u0113ja uzdevumi,&#8221; nepat\u012bkamo starpgad\u012bjumu atminas sieviete.<\/p>\n<p>Marta nesl\u0113pj, ka jut\u0101s \u013coti nel\u0101gi ar\u012b p\u0113c sarunas ar tiesnesi, kad vi\u0146a pateica: &#8220;J\u016bs esiet spekulante, jo jums ir divi \u012bpa\u0161umi. Jums maks\u0101tnesp\u0113ju nemaz nedr\u012bkst dot, jo iesp\u0113jams, ka j\u016bs ar saviem \u012bpa\u0161umiem v\u0113laties kaut k\u0101 nopeln\u012bt.&#8221; &#8220;K\u0101 es var\u0113ju ko nopeln\u012bt, ja visu jau biju pazaud\u0113jusi?&#8221; \u0161oku par t\u0101du attieksmi nesl\u0113pj Marta.<\/p>\n<p>Vi\u0146a teic, ka run\u0101jot par cilv\u0113kiem, kuri iziet maks\u0101tnesp\u0113jas procesu, bie\u017ei n\u0101kas dzird\u0113t p\u0101rmetumus: &#8220;K\u0101 cilv\u0113ks var b\u016bt tik dumj\u0161 un \u0146emt tik lielus kred\u012btus? Kur vi\u0146am ir galva?&#8221; To dzirdot Marta nodom\u0101jusi, ka \u0161iem cilv\u0113kiem, t\u0101pat k\u0101 vi\u0146ai, dro\u0161i vien nebija citas iesp\u0113jas. &#8220;Sakr\u0101t desmitiem t\u016bksto\u0161us latu dz\u012bvoklim man nebija re\u0101li ne pirms kr\u012bzes, ne tagad. Kred\u012bts pav\u0113ra iesp\u0113ju, un es risk\u0113ju. Diem\u017e\u0113l zaud\u0113ju, ko ar\u012b atz\u012bstu. \u013boti daudzi cilv\u0113ki t\u0101pat k\u0101 es cer\u0113ja, ka var\u0113s izmaks\u0101t pa\u0146emto kred\u012btu, un iek\u0101rtot savai \u0123imenei omul\u012bgas m\u0101jas,&#8221; t\u0101 salaspiliete.<\/p>\n<p>&nbsp;<\/p>\n<p>Vi\u0146a uzskata, ka tas jau nav iemesls, lai vi\u0146u un citus cilv\u0113kus nosod\u012btu. &#8220;Es neesmu p\u0101rk\u0101pusi likumu ne kred\u012btu \u0146emot, ne to atmaks\u0101jot, ne mekl\u0113jot risin\u0101jumus, k\u0101 kred\u012btu slogu mazin\u0101t kr\u012bzes laik\u0101. Ar\u012b maks\u0101tnesp\u0113jas procesu es izeju likum\u012bgi. Es neesmu p\u0101rk\u0101pusi likumu, un es god\u012bgi maks\u0101ju no t\u0101s naudas, ko nopelnu. Man ir aizmirsies, kad es p\u0113d\u0113jo reizi sev at\u013c\u0101vos k\u0101du sievi\u0161\u0137\u012bgu s\u012bkumu, jo no kosm\u0113tikas esmu atteikusies, par zobu protez\u0113\u0161anu pat domu nepie\u013cauju. Priec\u0101jos, ka b\u0113rni un \u0123imene ir veseli, bet n\u0101kas p\u0101rpl\u0101not bud\u017eetu, kad piemekl\u0113 k\u0101ds v\u012bruss, no k\u0101 neizdodas izvair\u012bties,&#8221; uzsver sieviete.<\/p>\n<p>\u0122imenes \u0113dienkart\u0113 p\u0101rsvar\u0101 ir putras, reti at\u013caujas nopirkt ga\u013cu, bet no ziv\u012bm ir atteiku\u0161ies pavisam. &#8220;Pati esmu iekopusi nelielu d\u0101rzi\u0146u, lai \u0123imenei b\u016btu svaigi d\u0101rze\u0146i un gar\u0161augi, k\u0101 ar\u012b iest\u0101d\u012bjusi ogul\u0101jus un aug\u013cu koci\u0146us, lai b\u016btu dab\u012bgi vitam\u012bni vismaz no pavasara l\u012bdz rudenim,&#8221; st\u0101sta Marta.<\/p>\n<p><strong>Netaisn\u012bba, pret kuru nevar v\u0113rsties, cilv\u0113ku sagrauj<br \/>\n<\/strong>Par to, ka maks\u0101tnesp\u0113jas process turpin\u0101s ar\u012b p\u0113c abu dz\u012bvok\u013cu p\u0101rdo\u0161anas izsol\u0113, vi\u0146a nav teikusi ar\u012b savam dz\u012bves draugam. Vi\u0146\u0161 ir \u013coti taisn\u012bgas dabas cilv\u0113ks un \u013coti jut\u012bgi rea\u0123\u0113 uz negod\u012bgu r\u012bc\u012bbu: &#8220;Man jau pietiek ar to stresu, kas vald\u012bja m\u0101j\u0101s, kad abus dz\u012bvok\u013cus p\u0101rdeva izsol\u0113 par daudzreiz zem\u0101ku cenu, nek\u0101 tie k\u0101dreiz maks\u0101ja. T\u0101p\u0113c es vi\u0146am nesp\u0113ju pateikt, ka p\u0113c tam, kad visu pazaud\u0113ju, man v\u0113l 3,5 gadus ik m\u0113nesi bank\u0101m b\u016bs j\u0101atdod tre\u0161da\u013ca no ien\u0101kumiem. Ar\u012b es uzskatu, ka t\u0101 ir netaisn\u012bba, bet klus\u0113ju t\u0101p\u0113c, ka manu v\u012brieti mor\u0101li sagrauj tas, ka vi\u0146\u0161 pret netaisn\u012bbu nesp\u0113j v\u0113rsties un mani aizst\u0101v\u0113t, jo viss notiek likum\u012bgi. Tie\u0161i bezsp\u0113c\u012bbas d\u0113\u013c pret p\u0101ridar\u012bjumiem, kas ir likum\u012bgi, daudzi v\u012brie\u0161i nodzeras, k\u013c\u016bst par narkom\u0101niem, atst\u0101j valsti vai izlemj aiziet no \u0161\u012bs dz\u012bves.&#8221;<\/p>\n<p><strong>Zelta v\u0113rta pieredze?<br \/>\n<\/strong>Salaspiliete saka: &#8220;Es saprotu, ka nevar sal\u012bdzin\u0101t situ\u0101ciju pie mums un Amerik\u0101, bet tur pret cilv\u0113ku, kur\u0161 ir izg\u0101jis maks\u0101tnesp\u0113jas procesu, izturas piln\u012bgi pret\u0113ji, jo nov\u0113rt\u0113 vi\u0146a pieredzi. Cilv\u0113ks, kur\u0161 vienreiz ir izdar\u012bjis savu izv\u0113li un pie\u013c\u0101vis k\u013c\u016bdu, otrreiz to darot izv\u0113rt\u0113s \u2013 ko ieg\u016bs, ko zaud\u0113s un kam tas n\u0101ks par labu. Un vi\u0146a r\u016bgt\u0101 m\u0101c\u012bba, ja par to run\u0101 atkl\u0101ti, n\u0101k par labu sabiedr\u012bbai, jo daudziem citiem cilv\u0113kiem pal\u012bdz izvair\u012bties no l\u012bdz\u012bg\u0101m situ\u0101cij\u0101m. Vi\u0146os uzman\u012bgi ieklaus\u0101s ar\u012b likumdev\u0113ji, jo \u0161ie cilv\u0113ki var ieteikt pamatotus risin\u0101jumus.&#8221;<\/p>\n<p>Vi\u0146a apzin\u0101s, ka pie mums uzreiz neb\u016bs ar\u012b k\u0101 Zviedrij\u0101, bet skandin\u0101vu pieredze ir v\u0113rt\u012bga, lai uz to tiektos. Tur likumdo\u0161ana ir sak\u0101rtota t\u0101, ka cilv\u0113kus nevar izmest no vien\u012bg\u0101 m\u0101jok\u013ca. Ja \u0123imen\u0113 aug divi b\u0113rni, tad m\u0101joklim \u0146emt\u0101 hipotek\u0101r\u0101 kred\u012bta summa sar\u016bk, bet, ja vec\u0101ki r\u016bp\u0113jas par trim mazu\u013ciem, valsts piln\u012bb\u0101 nosedz \u0123imenes vien\u012bg\u0101 m\u0101jok\u013ca kred\u012bta summu bank\u0101.<\/p>\n<p>&#8220;Ar\u012b \u0161\u0137ietami konservat\u012bv\u0101 Anglija mums var b\u016bt piem\u0113rs, jo vi\u0146iem ir pie\u0146emts likums, ka cilv\u0113ks bankrot\u0113 p\u0113c gada, un nek\u0101du par\u0101dsaist\u012bbu vi\u0146am vairs nav. Min\u0113taj\u0101s zem\u0113s likumi aizsarg\u0101 valsts iedz\u012bvot\u0101jus, t\u0101p\u0113c cilv\u0113ki nepamet m\u0101jas un nedodas sve\u0161um\u0101, bet str\u0101d\u0101, lai uzlabotu dz\u012bvi sav\u0101 zem\u0113. Es gribu dz\u012bvot Latvij\u0101 un ceru, ka tas izdosies ar\u012b mums,&#8221; rezum\u0113 Marta.<\/p>\n<p>Autors: Rasma Rudz\u0101te<\/p>\n<p>Avots: www.aprinkis.lv<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>T\u0101 pirms intervijas strikti nosaka Marta (v\u0101rds main\u012bts) no Salaspils. Vi\u0146a piekrita padal\u012bties ar savu st\u0101stu, jo uzskata, ka sabiedr\u012bb\u0101<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,4],"tags":[],"class_list":["post-121","post","type-post","status-publish","format-standard","hentry","category-jaunumi","category-maksatnespeja"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/121","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=121"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/121\/revisions"}],"predecessor-version":[{"id":122,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/121\/revisions\/122"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=121"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=121"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}