{"id":331,"date":"2014-10-01T05:04:56","date_gmt":"2014-10-01T05:04:56","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=331"},"modified":"2014-10-01T05:08:23","modified_gmt":"2014-10-01T05:08:23","slug":"kreditnemeji-protesti-pret-atslegu-noliksanu-izgaismo-banku-pavirso-pieeju-kreditesanai-lsm-lv-26-09-2014","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=331","title":{"rendered":"Kred\u012bt\u0146\u0113m\u0113ji: Protesti pret \u00abatsl\u0113gu nolik\u0161anu\u00bb izgaismo banku pavir\u0161o pieeju kredit\u0113\u0161anai \/ LSM.LV, 26.09.2014."},"content":{"rendered":"
\n

Cilv\u0113ki vairs nevar\u0113s at\u013cauties dz\u012bvok\u013cus \u2013 \u0161\u0101di ainu p\u0113c ceturtdien Saeimas atbalstu guvu\u0161\u0101 \u201cnolikt\u0101s atsl\u0113gas\u201d principa iek\u013cau\u0161anas maks\u0101tnesp\u0113jas likum\u0101 iez\u012bm\u0113 komercbankas. Tikm\u0113r kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija uzskata, ka \u0161\u0101di bankas izgaismo savu pavir\u0161o attieksmi pret kred\u012bt\u0146\u0113m\u0113ju maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu.<\/p>\n<\/div>\n

\n
\n

\u00a0\u201eKad bija kr\u012bze, 2009.gad\u0101 nekustamo \u012bpa\u0161umu cenas nokrit\u0101s par 60%. T\u0101 k\u0101, ja tas ir vienreiz gad\u012bjies, t\u0101 var gad\u012bties ar\u012b v\u0113lreiz,\u201d iebildumus pret \u201enolikto atsl\u0113gu\u201d principu skaidro SEB bankas prezidents Ain\u0101rs Ozols.<\/p>\n

\u0160\u0101di komercbankas pamato, k\u0101p\u0113c \u201enolikto atsl\u0113gu\u201d princips jeb piln\u012bga kred\u012btsaist\u012bbu dz\u0113\u0161ana p\u0113c \u012bpa\u0161uma atsavin\u0101\u0161anas bank\u0101m ir papildu risks, kas liktu b\u016btiski palielin\u0101t pirmo iemaksu hipotek\u0101rajiem kred\u012btiem<\/p>\n

Lai \u0146emtu kred\u012btu, vi\u0146iem b\u016bs j\u0101atrod 40, varb\u016bt ar\u012b 50% pirmajai iemaksai, – ja cilv\u0113ks p\u0113rk dz\u012bvokli par 30\u00a0000 eiro, tad vi\u0146am pa\u0161am b\u016btu j\u0101atnes 12 000 \u2013 15\u00a0000 eiro, cilv\u0113kiem vienk\u0101r\u0161i \u0161\u0101das naudas nav. [..] Nav p\u0101r\u0101k labi t\u0101 \u013coti daudz run\u0101t un kultiv\u0113t, un dom\u0101t par to, k\u0101 var\u0113tu izdar\u012bt t\u0101, lai cilv\u0113kiem b\u016btu \u0113rt\u0101k neatbild\u0113t par sav\u0101m saist\u012bb\u0101m,\u201d uzskata Ozols.<\/p>\n

<\/p><\/blockquote>\n

Komercbanku nost\u0101jai pievienojas ar\u012b Latvijas Bankas prezidents Ilm\u0101rs Rim\u0161\u0113vics.<\/p>\n

\u201eTikai \u013coti izmisu\u0161i un \u013coti \u013coti tur\u012bgi un sp\u0113j\u012bgi cilv\u0113ki varb\u016bt sp\u0113s aiz\u0146emties \u0161os kred\u012btus, jo tur b\u016bs iecenota jau \u0161\u012b iesp\u0113ja atsl\u0113gas jebkur\u0101 br\u012bd\u012b nolikt. Gala rezult\u0101t\u0101 tas padar\u012btu Latvijas tautsaimniec\u012bbas izaugsmes prognozes n\u0101kotn\u0113 v\u0113l pesimistisk\u0101kas,\u201d pauda Rim\u0161\u0113vi\u010ds.<\/p>\n

Eirop\u0101 \u0161\u012b principa ievie\u0161ana b\u016btu unik\u0101ls gad\u012bjums. Tas gan jau labu laiku veiksm\u012bgi darbojas Amerikas Savienotaj\u0101s Valst\u012bs.<\/p>\n

Tikm\u0113r Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija kopum\u0101 nolikt\u0101s atsl\u0113gas principu atbalsta, bet glu\u017ei t\u0101pat k\u0101 komercbankas v\u0113rs\u012bsies pie Valsts prezidenta Andra B\u0113rzi\u0146a, aicinot konkr\u0113tos likuma groz\u012bjumus neizsludin\u0101t.<\/p>\n

Asoci\u0101cij\u0101 skaidro \u2013 uzlabojama b\u016btu likuma da\u013ca, kas skar kred\u012bt\u0146\u0113m\u0113ju galvot\u0101jus. Cit\u0101di, gan ne ar atpaka\u013cejo\u0161u datumu, \u0161is likums, vi\u0146upr\u0101t, kalpotu sabiedr\u012bbas interes\u0113m. Komercbanku pesimistisk\u0101s prognozes asoci\u0101cija noraida.<\/p>\n

Bankas princip\u0101 atz\u012bst, ka pa\u0161as nesp\u0113j kred\u012bt\u0146\u0113m\u0113ja finansi\u0101lo st\u0101vokli izv\u0113rt\u0113t, un l\u012bdz ar to t\u0101 ir vi\u0146u t\u0101da bezsp\u0113c\u012bbas par\u0101d\u012b\u0161ana, jo jebkur\u0101 gad\u012bjum\u0101 neviens uz maks\u0101tnesp\u0113ju nevar aiziet vienk\u0101r\u0161i t\u0101, pasakot \u2013 \u201eviss, es vair\u0101k nemaks\u0101\u0161u, es negribu maks\u0101t un es esmu maks\u0101tnesp\u0113j\u012bgs\u201d. Tiesas p\u0113d\u0113j\u0101 laik\u0101 diezgan strikti skat\u0101s, vai cilv\u0113kiem ir finansi\u0101las probl\u0113mas,\u201d uzskata Latvijas Kred\u012bt\u0146\u0113m\u0113ju apvien\u012bbas jurists\u00a0 J\u0101nis \u0100boli\u0146\u0161.<\/p><\/blockquote>\n

Tikm\u0113r publiskaj\u0101 telp\u0101 pav\u012bd\u0113ju\u0161i min\u0113jumi \u2013 jau no pa\u0161a s\u0101kuma bijis zin\u0101ms, ka prezidents \u0161\u0101d\u0101 versij\u0101 likumu neizsludin\u0101s. T\u0101d\u0113j\u0101di bankas b\u016bs apmierin\u0101tas, toties deput\u0101ti \u012bsi pirms v\u0113l\u0113\u0161an\u0101m b\u016bs nodemonstr\u0113ju\u0161i v\u0113l\u0113tajiem savu labo gribu.<\/p>\n

Jau v\u0113st\u012bts, ka ceturtdien Saeimas pie\u0146emtie groz\u012bjumi paredz, ka \u201ep\u0113c mantas, kas kalpojusi k\u0101 nodro\u0161in\u0101jums, p\u0101rdo\u0161anas nodro\u0161in\u0101tais kreditors zaud\u0113 savas pras\u012bjuma ties\u012bbas un atliku\u0161\u0101s par\u0101dnieka saist\u012bbas starp kreditoru un par\u0101dnieku l\u012bdz ar izsoles akta apstiprin\u0101\u0161anu tiek dz\u0113stas. L\u012bdz ar pamatsaist\u012bbas dz\u0113\u0161anu izbeidzas ar\u012b visas papildus (blakus) saist\u012bbas. \u0160\u0101da k\u0101rt\u012bba ir attiecin\u0101ma tikai uz tiem gad\u012bjumiem, kad par\u0101dnieka maks\u0101tnesp\u0113jas proces\u0101 tiek p\u0101rdots par\u0101dnieka m\u0101joklis.”<\/p>\n

\u0160is princips gan atteiksies tikai uz kred\u012btiem, kurus bankas izsniegs p\u0113c \u0161o groz\u012bjumu st\u0101\u0161an\u0101s sp\u0113k\u0101.\u00a0\u0160\u0101da k\u0101rt\u012bba attieksies tikai uz gad\u012bjumiem, kad par\u0101dnieka maks\u0101tnesp\u0113jas proces\u0101 tiek p\u0101rdots vi\u0146a vien\u012bgais m\u0101joklis. Likuma groz\u012bjumi ar\u012b paredz dz\u0113st ne tikai par\u0101dnieka saist\u012bbas, bet ar\u012b ar to saist\u012btos galvojumus.<\/p>\n

Komercbankas iest\u0101jas pret \u201enolikto atsl\u0113gu principu\u201d\u00a0un divi liel\u0101kie hipotek\u0101ro kred\u012btu dev\u0113ji \u2013 \u201eSwedbank\u201d un \u201eSEB banka\u201d \u2013 ceturtdien pav\u0113st\u012bja par izst\u0101\u0161anos no valsts atbalst\u012bt\u0101s hipotek\u0101ro kred\u012btu izsnieg\u0161anas programmas jaunaj\u0101m \u0123imen\u0113m. Bankas nor\u0101da, ka likuma groz\u012bjumi padar\u012bs kred\u012bt\u0146\u0113m\u0113ju attieksmi pret kred\u012bta atdo\u0161anu bezatbild\u012bgu.<\/p>\n

Savuk\u0101rt groz\u012bjumu aizst\u0101vji un autori nor\u0101da, ka daudzi ekonomisk\u0101s kr\u012bzes nom\u0101kti iedz\u012bvot\u0101ji nesp\u0113j nodro\u0161in\u0101t sev pat ikdienas lietas, jo atmaks\u0101 bankas kred\u012btu. T\u0101d\u0113j\u0101di likuma groz\u012bjumi \u013caus cilv\u0113kiem izk\u013c\u016bt no finansi\u0101l\u0101m gr\u016bt\u012bb\u0101m.<\/p>\n

 <\/p>\n

Avots: LSM.LV<\/strong><\/a><\/p>\n

Autors:\u00a0Anete B\u0113rtule<\/span>, LTV “Panor\u0101ma” korespondente<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Cilv\u0113ki vairs nevar\u0113s at\u013cauties dz\u012bvok\u013cus \u2013 \u0161\u0101di ainu p\u0113c ceturtdien Saeimas atbalstu guvu\u0161\u0101 \u201cnolikt\u0101s atsl\u0113gas\u201d principa iek\u013cau\u0161anas maks\u0101tnesp\u0113jas likum\u0101 iez\u012bm\u0113<\/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-331","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\/331","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=331"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/331\/revisions"}],"predecessor-version":[{"id":332,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/331\/revisions\/332"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=331"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=331"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}