{"id":182,"date":"2014-03-05T13:55:25","date_gmt":"2014-03-05T13:55:25","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=182"},"modified":"2014-03-05T13:55:25","modified_gmt":"2014-03-05T13:55:25","slug":"kreditnemeju-asociacija-strada-pie-maksatnespejas-procesa-termina-samazinasanas-un-nolikto-atslegu-principa-ieviesanas","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=182","title":{"rendered":"Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija str\u0101d\u0101 pie maks\u0101tnesp\u0113jas procesa termi\u0146a samazin\u0101\u0161anas un \u201enolikto atsl\u0113gu\u201d principa ievie\u0161anas"},"content":{"rendered":"<p><b>Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas r\u012bkotaj\u0101 preses konferenc\u0113 valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161 atkl\u0101ja asoci\u0101cijas pamatm\u0113r\u0137us un valdes loceklis Aivars Rudi inform\u0113ja par pl\u0101notajiem Maks\u0101tnesp\u0113jas likuma groz\u012bjumiem \u2013 maks\u0101tnesp\u0113jas procesa termi\u0146a samazin\u0101\u0161anu un \u201enolikto atsl\u0113gu\u201d principu. Preses konferenc\u0113 piedal\u012bj\u0101s ar\u012b Saeimas deput\u0101ts Viktors Valainis, kur\u0161 pauda atbalstu asoci\u0101cijas darb\u012bbai un pl\u0101notajiem likuma groz\u012bjumiem, k\u0101 ar\u012b uz\u0146\u0113m\u0113js Ivo Kront\u0101ls, kur\u0161 patlaban iziet maks\u0101tnesp\u0113jas procesu un sniedza atkl\u0101tu izkl\u0101stu par savu situ\u0101ciju.<\/b><\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" alt=\"\" src=\"http:\/\/i0.ifrype.com\/posts\/583\/910\/v1394026516\/l_11583910.jpg\" width=\"584\" height=\"389\" \/><\/p>\n<p>Konferences s\u0101kum\u0101 asoci\u0101cijas valdes loceklis Aivars Rudi izteica prognozes par to, ka Latvij\u0101 par\u0101du seg\u0161anas situ\u0101cija neuzlabosies, jo izdevumi pieaug, bet ien\u0101kumi tik strauji neaug. Vi\u0146\u0161 pauda ba\u017eas, ka liela da\u013ca no tiem, kuri patlaban v\u0113l sp\u0113j segt savus regul\u0101ros maks\u0101jumus ar mazo kred\u012btu pal\u012bdz\u012bbu vai pat bez tiem, dr\u012bz, iesp\u0113jams, vairs to nevar\u0113s. T\u0101p\u0113c, k\u0101 skaidro asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js, ir dibin\u0101ta Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija, kura inform\u0113s kred\u012bt\u0146\u0113m\u0113jus, konsult\u0113s, aizst\u0101v\u0113s tiesas procesos, p\u0101rst\u0101v\u0113s kred\u012bt\u0146\u0113m\u0113ju intereses sarun\u0101s ar banku vai nebanku aizdev\u0113jiem, k\u0101 ar\u012b politi\u0137iem un valsts amatperson\u0101m un ierosin\u0101s kred\u012bt\u0146\u0113m\u0113ju situ\u0101ciju uzlabojo\u0161us groz\u012bjumus Latvijas normat\u012bvajos aktos, kuri regul\u0113 kreditoru un par\u0101dnieku savstarp\u0113j\u0101s attiec\u012bbas.<\/p>\n<p><!--more--><\/p>\n<p>A. Rudi skaidro, ka asoci\u0101cijas p\u0101rst\u0101vji patlaban akt\u012bvi piedal\u0101s Maks\u0101tnesp\u0113jas likuma groz\u012bjumu izskat\u012b\u0161anas darba grup\u0101s, kur tiek izskat\u012bti divi b\u016btisk\u0101kie groz\u012bjumu jaut\u0101jumi. Viens ir par maks\u0101tnesp\u0113jas procesa termi\u0146a samazin\u0101\u0161u uz 1,5 gadiem, kas noz\u012bm\u0113, ka kred\u012bt\u0146\u0113m\u0113js no saist\u012bb\u0101m tiks atbr\u012bvots \u012bs\u0101k\u0101 termi\u0146\u0101 un var\u0113s atgriezties atpaka\u013c ekonomik\u0101 daudz \u0101tr\u0101k nek\u0101 l\u012bdz \u0161im. Otrs jaut\u0101jums skar \u201enolikto atsl\u0113gu\u201d principu. \u201e\u0160eit nav runa par klasisko \u201enolikto atsl\u0113gu\u201d principu, k\u0101ds darbojas cit\u0101s valst\u012bs. Latvij\u0101 \u201enolikto atsl\u0113gu\u201d princips darbojas tikai Maks\u0101tnesp\u0113jas likuma ietvaros, kas noz\u012bm\u0113, ka to var izmantot tikai cilv\u0113ks, kur\u0161 ar tiesas l\u0113mumu ir atz\u012bts par maks\u0101tnesp\u0113j\u012bgu. Proces\u0101 par\u0101dnieka \u012bpa\u0161ums tiek p\u0101rdots un hipotek\u0101rais kreditors zaud\u0113 ties\u012bbas atpras\u012bt atliku\u0161o naudu,\u201e uzsver A. Rudi. \u201eIzejot maks\u0101tnesp\u0113jas procesu par\u0101dniekam vairs nav mantas, bet vi\u0146am nav ar\u012b par\u0101du,\u201d piebilst J. \u0100boli\u0146\u0161.<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" alt=\"\" src=\"http:\/\/i8.ifrype.com\/textarea\/40\/ll_400938.jpg\" width=\"504\" height=\"378\" \/><\/p>\n<p>Preses konferenc\u0113 piedal\u012bj\u0101s ar\u012b uz\u0146\u0113m\u0113js Ivo Kront\u0101ls, kur\u0161 atkl\u0101ti st\u0101sta par sav\u0101m kred\u012btprobl\u0113m\u0101m un maks\u0101tnesp\u0113jas procesu, lai iedro\u0161in\u0101tu ar\u012b citus kred\u012bt\u0146\u0113m\u0113jus ar l\u012bdz\u012bg\u0101m probl\u0113m\u0101m nebaid\u012bties no maks\u0101tnesp\u0113jas procesa un mekl\u0113t risin\u0101jumu savai situ\u0101cijai. 2010. gad\u0101 Ivo ikdienas ien\u0101kumi samazin\u0101j\u0101s par 80%. T\u0101 k\u0101 kop\u0113j\u0101s kred\u012btsaist\u012bbas bija 200 t\u016bkst. latu (~284 t\u016bkst. eiro), Ivo vairs nesp\u0113ja veikt regul\u0101rus maks\u0101jumus. Liel\u0101kais kreditors &#8211; DNB banka v\u0113rs\u0101s pret uz\u0146\u0113m\u0113ju, jo saist\u012bbas netika pild\u012btas. Ivo s\u0101ka \u0146emt mazos kred\u012btus, lai atmaks\u0101tu hipotek\u0101ro kred\u012btu. Aizdevumu apjomi auga, t\u0101p\u0113c\u00a0 Ivo nol\u0113ma v\u0113rsties pie kompetentiem speci\u0101listiem, kuri var\u0113tu ieteikt lab\u0101ko \u0161\u012bs situ\u0101cijas risin\u0101jumu. Vispirms vi\u0146\u0161 dev\u0101s pie Aivara Rudi, kur\u0161 pied\u0101v\u0101t\u0101ja divus \u0161\u012bs situ\u0101cijas risin\u0101jumus. T\u0101 k\u0101 pirmais, kas bija rast kopsauc\u0113ju ar banku, neizdev\u0101s, tika izv\u0113l\u0113ts otrais, kas bija maks\u0101tnesp\u0113jas process. T\u0101l\u0101k Ivo v\u0113rs\u0101s pie J\u0101\u0146a \u0100boli\u0146a, lai izprastu \u0161o maks\u0101tnesp\u0113jas procesu. 2011. gada maija beig\u0101s tika iesniegtas visas nepiecie\u0161am\u0101s formalit\u0101tes un jau j\u016blija s\u0101kum\u0101 tika sa\u0146emts tiesas l\u0113mumu par maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anu. V\u0113l gadu Ivo ar \u0123imeni dz\u012bvoja sav\u0101s m\u0101j\u0101s, l\u012bdz visa manta un nekustamie \u012bpa\u0161umi tika p\u0101rdoti izsol\u0113. Patlaban Ivo veic regul\u0101rus maks\u0101jumus p\u0113c tiesas apstiprin\u0101ta maks\u0101jumu pl\u0101na \u2013 katru m\u0113nesi aptuveni 15 eiro, ko atbilsto\u0161i sadala kreditoriem. \u201eTagad beidzot man\u0101 pastkast\u012bt\u0113 ir vairs tikai draugu v\u0113stules, jo vairs nesa\u0146emu draudu v\u0113stules un zvanus. B\u0113rni m\u0101j\u0101s skraida laim\u012bgi, jo t\u0113tis m\u0101j\u0101s n\u0101k priec\u012bgs un\u00a0 vairs nelauza galvu, k\u0101 atmaks\u0101t par\u0101dus!\u201d st\u0101sta Ivo.<\/p>\n<p>Atbalstu asoci\u0101cijas izveidei, darb\u012bbai un Maks\u0101tnesp\u0113jas likuma groz\u012bjumiem pauda ar\u012b Saeimas deput\u0101ts Viktors Valainis, kur\u0161 atz\u012bst, ka Latvij\u0101 kred\u012bt\u0146\u0113m\u0113ji vienm\u0113r biju\u0161i neaizsarg\u0101ti. \u201eUzskatu, ka cilv\u0113kam visu m\u016b\u017eu nav j\u0101maks\u0101 par k\u013c\u016bdu, kas pie\u013cauta 2008. gad\u0101. Mums ir j\u0101rod iesp\u0113ja vi\u0146iem iziet no maks\u0101tnesp\u0113jas gr\u016bt\u012bb\u0101m. Maks\u0101tnesp\u0113jas likums virz\u0101s \u013coti l\u0113ni, toties kvalit\u0101t\u012bti. Nav m\u0101ksla pie\u0146emt likumu, kuru p\u0113c m\u0113ne\u0161a satversmes tiesa apstr\u012bd. \u0160is noteikti neb\u016bs no tiem likumiem!\u201d savu p\u0101rliec\u012bbu pauda V. Valainis.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas r\u012bkotaj\u0101 preses konferenc\u0113 valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161 atkl\u0101ja asoci\u0101cijas pamatm\u0113r\u0137us un valdes loceklis Aivars Rudi inform\u0113ja par<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-182","post","type-post","status-publish","format-standard","hentry","category-jaunumi"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/182","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=182"}],"version-history":[{"count":2,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/182\/revisions"}],"predecessor-version":[{"id":184,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/182\/revisions\/184"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}