{"id":301,"date":"2014-09-28T17:10:27","date_gmt":"2014-09-28T17:10:27","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=301"},"modified":"2014-09-28T17:19:03","modified_gmt":"2014-09-28T17:19:03","slug":"nolikto-atslegu-princips-par-un-pret","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=301","title":{"rendered":"&#8220;Nolikto atsl\u0113gu princips&#8221; &#8211; par un pret \/ Latvijas Radio 1"},"content":{"rendered":"<p>Saeima ir apstiprin\u0101jusi gal\u012bgaj\u0101 las\u012bjum\u0101 groz\u012bjumus Maks\u0101tnesp\u0113jas likum\u0101. Viens no labojumiem, kas rais\u012bjis daudz iebil\u017eu, ir t\u0101 sauktais nolikto atsl\u0113gu princips: ja cilv\u0113ks grib\u0113s \u0146emt kred\u012btu, lai nopirktu m\u0101jokli, vi\u0146a \u0137\u012bla b\u016bs ar\u012b garants. Ja v\u0113l\u0101k k\u0101du iemeslu d\u0113\u013c cilv\u0113ks nesp\u0113s kred\u012btu maks\u0101t, var\u0113s atdod m\u0101jokli atpaka\u013c bankai un kred\u012bts b\u016bs dz\u0113sts.<\/p>\n<p><iframe loading=\"lazy\" style=\"border: none;\" src=\"http:\/\/lr1.lsm.lv\/lv\/embed\/?id=43140\" width=\"420\" height=\"365\" frameborder=\"0\"><\/iframe><\/p>\n<p>Studij\u0101 Saeim\u0101 pie\u0146emtos likuma groz\u012bjumus apsprie\u017e Saeimas deput\u0101ts\u00a0<span style=\"font-weight: 600;\">Viktors Valainis<\/span>, Latvijas Kred\u012bt\u0146\u0113m\u0113ju apvien\u012bbas konsultants, jurists\u00a0<span style=\"font-weight: 600;\">J\u0101nis \u0100boli\u0146\u0161<\/span>, Latvijas Komercbanku asoci\u0101cijas Tautsaimniec\u012bbas kredit\u0113\u0161anas komitejas vad\u012bt\u0101js, SEB bankas valdes loceklis<span style=\"font-weight: 600;\">K\u0101rlis Dan\u0113vi\u010ds<\/span>.<\/p>\n<p><!--more--><\/p>\n<p>Latvijas Komercbanku asoci\u0101cija jau zi\u0146ojusi, ka l\u016bgs Valsts prezidentu neizsludin\u0101t \u0161os groz\u012bjumus. T\u0101pat abas bankas, &#8220;Swedbank&#8221; un SEB banka, pazi\u0146oju\u0161as, ka aptur dal\u012bbu pirm\u0101 m\u0101jok\u013ca programma jaunaj\u0101m \u0123imen\u0113m. Savuk\u0101rt kred\u012bt\u0146\u0113m\u0113ju p\u0101rst\u0101vis nor\u0101da, ka atbalsta Saeim\u0101 pie\u0146emto l\u0113mumu, ka banku ska\u013cie sauk\u013ci nor\u0101da, ka t\u0101s netic sev un nesp\u0113j prognoz\u0113t nekustamo \u012bpa\u0161umu tirgu.<\/p>\n<p>Viktors Valainis papildina, ka likum\u0101 pie\u0146emtie groz\u012bjumi Maks\u0101tnesp\u0113jas likum\u0101 ietver ar\u012b \u201cv\u0113sturiskos kred\u012btus\u201d, kam b\u016bs iesp\u0113ja iziet maks\u0101tnesp\u0113jas procesu tr\u012bsreiz \u0101tr\u0101k un l\u0113t\u0101k. Vi\u0146\u0161 ar\u012b nor\u0101da, ka likuma groz\u012bjumos ietvertais \u201cnolikto atsl\u0113gu princips\u201d nav izstr\u0101d\u0101ts t\u0101 klasiskaj\u0101 izpratn\u0113. Likuma ietvaros ir runa par iedz\u012bvot\u0101jiem, kas tie\u0161\u0101m non\u0101k kred\u012btgr\u016bt\u012bb\u0101s, vi\u0146i iet uz tiesu. Ja tiesa vi\u0146us atz\u012bst par maks\u0101tnesp\u0113j\u012bgiem, tad s\u0101k darboties \u201cnolikto atsl\u0113gu princips\u201d. Svar\u012bgs ir tiesas l\u0113mums, ne katra cilv\u0113ka domas par savu maks\u0101tsp\u0113ju.<\/p>\n<p>K\u0101rlis Dan\u0113vi\u010ds uzskata, ka nevajag ar pareiz\u0101m liet\u0101m p\u0101rsp\u012bl\u0113t. Priv\u0101t\u0101 maks\u0101t nesp\u0113ja nav nepareiza lieta, bet neizprotama ir Latvijas v\u0113lme p\u0101rsp\u012bl\u0113t. P\u0101rsp\u012bl\u0113jums \u012bpa\u0161i satrauco\u0161s attiec\u012bb\u0101 uz jaunajiem kred\u012btiem, nav izprotams, ko grib pan\u0101kt sakot, ka no n\u0101kam\u0101 gada tie, kas sa\u0146ems kred\u012btu, var\u0113s atbild\u0113t par t\u0101 atmaks\u0101\u0161anu tikai ar dz\u012bvok\u013ca vai m\u0101jok\u013ca v\u0113rt\u012bbu Tas ir precedents, kas past\u0101v tikai atsevi\u0161\u0137so ASV \u0161tatos, kas bijis p\u0113c liel\u0101s depresijas. Dan\u0113vi\u010ds ar\u012b min jau iepriek\u0161 izskan\u0113ju\u0161os skait\u013cus: ja \u0161os groz\u012bjumus pie\u0146ems, b\u016btiski palielin\u0101sies pirm\u0101 iemaksa hipotek\u0101r\u0101 kred\u012bt\u0101 sa\u0146em\u0161anai jauna m\u0101jok\u013ca ieg\u0101dei. Ja \u0161obr\u012bd tie ir 15 &#8211; 20 procenti, n\u0101kotn\u0113 tie var\u0113tu b\u016bt pat 40 procenti no kred\u012bta v\u0113rt\u012bbas.<\/p>\n<p>&nbsp;<\/p>\n<p>Avots: <a href=\"http:\/\/lr1.lsm.lv\/lv\/raksts\/krustpunkta\/nolikto-atslegu-princips-par-un-pret.a43140\/\">LR1<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saeima ir apstiprin\u0101jusi gal\u012bgaj\u0101 las\u012bjum\u0101 groz\u012bjumus Maks\u0101tnesp\u0113jas likum\u0101. Viens no labojumiem, kas rais\u012bjis daudz iebil\u017eu, ir t\u0101 sauktais nolikto atsl\u0113gu<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-301","post","type-post","status-publish","format-standard","hentry","category-aktuali"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/301","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=301"}],"version-history":[{"count":5,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/301\/revisions"}],"predecessor-version":[{"id":310,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/301\/revisions\/310"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=301"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=301"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=301"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}