{"id":329,"date":"2014-10-01T04:59:00","date_gmt":"2014-10-01T04:59:00","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=329"},"modified":"2014-10-01T05:08:43","modified_gmt":"2014-10-01T05:08:43","slug":"maksatnespeja-berzina-rokas-dienas-bizness-26-09-2014","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=329","title":{"rendered":"Maks\u0101tnesp\u0113ja B\u0113rzi\u0146a rok\u0101s \/ Dienas Bizness, 26.09.2014."},"content":{"rendered":"<div class=\"article-intro\">\n<p><strong>Nolikto atsl\u0113gu princips hipotek\u0101ru kred\u012btu \u0146\u0113m\u0113jiem draud ar \u0161\u0101du kred\u012btu nepieejam\u012bbu, Valsts prezidentam j\u0101pie\u0146em l\u0113mums par groz\u012bjumu izsludin\u0101\u0161anu<\/strong><\/p>\n<\/div>\n<p>Eksploziju izrais\u012bju\u0161i vakar Saeim\u0101 akcept\u0113tie groz\u012bjumi Maks\u0101tnesp\u0113jas likum\u0101 par fizisku personu maks\u0101tnesp\u0113ju. Tie paredz zem\u0101ku par\u0101du slieksni, lai fiziska persona var\u0113tu iesniegt maks\u0101tnesp\u0113jas pieteikumu. Proti, no 2015. gada fiziska persona maks\u0101tnesp\u0113ju var\u0113s pras\u012bt, ja t\u0101s par\u0101di b\u016bs 5000 eiro (pa\u0161laik 7114 eiro), k\u0101 ar\u012b ja par\u0101di, kurus nevar\u0113s segt gada laik\u0101, b\u016bs 10 000 eiro (pa\u0161laik 14 228 eiro). T\u0101pat deput\u0101ti nol\u0113ma main\u012bt par\u0101dsaist\u012bbu dz\u0113\u0161anas termi\u0146us. Tiem, kuriem p\u0113c mantas p\u0101rdo\u0161anas b\u016bs paliku\u0161as par\u0101dsaist\u012bbas 5000\u2013100 000 eiro apjom\u0101, \u0161is termi\u0146\u0161 b\u016bs viens gads, savuk\u0101rt tiem, kuru atliku\u0161\u0101s par\u0101dsaist\u012bbas b\u016bs 100 001 l\u012bdz 200 000 eiro, \u2013 divi gadi, bet tiem, kuriem t\u0101s b\u016bs liel\u0101kas par 300 000 eiro, \u2013 tr\u012bs gadi. T\u0101d\u0113j\u0101di aptuveni 95% probl\u0113m\u0101s nok\u013cuvu\u0161o kred\u012bt\u0146\u0113m\u0113ju ekonomiskaj\u0101 aprit\u0113 var\u0113s atgriezties gada laik\u0101.<!--more--><\/p>\n<p><strong>Nolikt\u0101s atsl\u0113gas<\/strong><\/p>\n<p>Saeimas vair\u0101kums nobalsoja ar\u012b par t\u0101 saukto nolikto atsl\u0113gu principu vien\u012bgajam m\u0101joklim, kas bijis nodro\u0161in\u0101jums hipotek\u0101rajam kred\u012btam. Tas noz\u012bm\u0113, ka, p\u0101rdodot mantu, kas kalpojusi k\u0101 nodro\u0161in\u0101jums, atliku\u0161\u0101s par\u0101dnieka saist\u012bbas l\u012bdz ar izsoles akta apstiprin\u0101\u0161anu tiks dz\u0113stas. Min\u0113t\u0101s pras\u012bbas tiks attiecin\u0101tas uz hipotek\u0101rajiem kred\u012btiem, kurus komercbankas izsniegs no 2015. gada. DB jau rakst\u012bja par normas iek\u013cau\u0161anas sek\u0101m \u2013 komercbankas p\u0101rst\u0101s izsniegt hipotek\u0101ros kred\u012btus, jo pirm\u0101 iemaksa tiks b\u016btiski palielin\u0101ta. Ba\u0146\u0137ieri l\u016bg\u0161ot Valsts prezidentu neizsludin\u0101t likuma groz\u012bjumus to pa\u0161reiz\u0113j\u0101 redakcij\u0101. P\u0113c \u0161o groz\u012bjumu akcept\u0113\u0161anas noz\u012bmi zaud\u0113jot ar\u012b pl\u0101not\u0101 valsts atbalsta programma \u0123imen\u0113m m\u0101jok\u013ca ieg\u0101dei.<\/p>\n<p><strong>Stopkr\u0101ns kredit\u0113\u0161anai<\/strong><\/p>\n<p>\u00abPa\u0161reiz\u0113j\u0101 Saeimas vair\u0101kuma atbalst\u012bt\u0101 redakcija liks bank\u0101m palielin\u0101t pirmo iemaksu no 10\u201320% l\u012bdz 30\u201340% no m\u0101jok\u013ca cenas, kas cilv\u0113kiem, kuriem jau \u0161obr\u012bd ir gr\u016bt\u012bbas sakr\u0101t naudu pirmajai iemaksai, to padar\u012bs gandr\u012bz neiesp\u0113jumu,\u00bb skaidro a\/s Reverta vad\u012bbas juridisk\u0101 atbalsta un restrukturiz\u0101cijas da\u013cas vad\u012bt\u0101js Rolands Neilands. Vi\u0146\u0161 prognoz\u0113, ka \u0161\u0101d\u0101 situ\u0101cij\u0101 kred\u012btus m\u0101jok\u013ca pirk\u0161anai var\u0113s ieg\u016bt tikai tur\u012bgie \u2013 \u013coti neliels iedz\u012bvot\u0101ju skaits. \u00abTas atspogu\u013cosies \u012bres tirg\u016b, kur\u0101 palielin\u0101sies piepras\u012bjums un celsies \u012bres maksa. L\u012bdz ar to veidosies apburtais loks \u2013 nopirkt savu m\u0101jokli daudzi iedz\u012bvot\u0101ji nevar\u0113s, ta\u010du \u012bres maksa augs, un iesp\u0113ja veidot uzkr\u0101jumus pirmajai iemaksai samazin\u0101sies tie\u0161i \u0161\u012b k\u0101puma d\u0113\u013c. Ieguv\u0113ji b\u016bs iz\u012br\u0113jamo m\u0101jok\u013cu \u012bpa\u0161nieki, bet ne jaun\u0101s \u0123imenes un maks\u0101tsp\u0113j\u012bgais vidussl\u0101nis,\u00bb br\u012bdina R. Neilands. Ba\u0146\u0137ieri uzskata, ka Saeima t\u0101d\u0113j\u0101di ir nor\u0101vusi hipotek\u0101ro kred\u012btu stopkr\u0101nu.<\/p>\n<p><strong>Cita realit\u0101te<\/strong><\/p>\n<p>R. Neilands br\u012bdina, ka likuma groz\u012bjumi attieksies tikai uz kred\u012btl\u012bgumiem, kuri tiks nosl\u0113gti p\u0113c groz\u012bjumu sp\u0113k\u0101 st\u0101\u0161an\u0101s. T\u0101tad eso\u0161os kred\u012bt\u0146\u0113m\u0113jus groz\u012bjumi neskars, un vi\u0146i, nesp\u0113jot samaks\u0101t hipotek\u0101ro kred\u012btu, nevar\u0113s izmantot nolikto atsl\u0113gu principu. Banku iz\u0146em\u0161ana no kreditoru sast\u0101va p\u0113c ie\u0137\u012bl\u0101t\u0101 \u012bpa\u0161uma p\u0101rdo\u0161anas, p\u0113c R. Neilanda sac\u012bt\u0101, nenoz\u012bm\u0113s par\u0101dnieku atbr\u012bvo\u0161anu no cit\u0101m saist\u012bb\u0101m, jo vi\u0146iem tik un t\u0101 b\u016bs j\u0101veic maks\u0101tnesp\u0113jas process un saist\u012bbu dz\u0113\u0161anas proced\u016br\u0101 tre\u0161da\u013ca no saviem ien\u0101kumiem j\u0101maks\u0101 citiem kreditoriem, bet ne bank\u0101m. \u00abTie kred\u012bt\u0146\u0113m\u0113ji, kuri, klausoties politi\u0137os, ir sapratu\u0161i, ka tagad var\u0113s viegli atbr\u012bvoties no sav\u0101m saist\u012bb\u0101m, aizejot uz banku un noliekot atsl\u0113gas, nu sastapsies ar pavisam citu realit\u0101ti,\u00bb br\u012bdina R. Neilands.<\/p>\n<p><strong>Grib vair\u0101k<\/strong><\/p>\n<p>Ar\u012b Latvijas Kred\u012bt\u0146\u0113m\u0113ju apvien\u012bba (LKA) var\u0113tu l\u016bgt Valsts prezidentu neizsludin\u0101t groz\u012bjumus. \u00abSaeima ignor\u0113ja priek\u0161likumu par \u0123imenes bankrotu, ar\u012b par\u0101du dz\u0113\u0161anas termi\u0146i nav k\u013cuvu\u0161i b\u016btiski \u012bs\u0101ki,\u00bb v\u0113r\u0161an\u0101s pamatojumu pie Valsts prezidenta izskaidro LKA valdes loceklis J\u0101nis \u0100boli\u0146\u0161. Vi\u0146\u0161 uzskata, ka valsts regul\u0113jums gr\u016bt\u012bb\u0101s non\u0101ku\u0161\u0101m fizisk\u0101m person\u0101m var b\u016bt v\u0113l labv\u0113l\u012bg\u0101ks. \u00abVai tad bankas tiks sl\u0113gtas?\u00bb t\u0101 ar pretjaut\u0101jumu uz vaic\u0101jumu par to, vai nolikto atsl\u0113gu princips hipotek\u0101rajiem kred\u012btiem tos padar\u012bs nepieejamus, atbild J. \u0100boli\u0146\u0161.<\/p>\n<p>Avots: <a href=\"http:\/\/www.db.lv\/finanses\/nodokli\/likumi\/maksatnespeja-berzina-rokas-420820\">db.lv<\/a>,\u00a0<span style=\"font-style: italic; color: #666666;\">M\u0101ris \u0136irsons<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nolikto atsl\u0113gu princips hipotek\u0101ru kred\u012btu \u0146\u0113m\u0113jiem draud ar \u0161\u0101du kred\u012btu nepieejam\u012bbu, Valsts prezidentam j\u0101pie\u0146em l\u0113mums par groz\u012bjumu izsludin\u0101\u0161anu Eksploziju izrais\u012bju\u0161i<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,4,3],"tags":[],"class_list":["post-329","post","type-post","status-publish","format-standard","hentry","category-jaunumi","category-maksatnespeja","category-pubikacija"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/329","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=329"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/329\/revisions"}],"predecessor-version":[{"id":330,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/329\/revisions\/330"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=329"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=329"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}