{"id":334,"date":"2014-10-01T05:07:26","date_gmt":"2014-10-01T05:07:26","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=334"},"modified":"2014-10-01T05:07:26","modified_gmt":"2014-10-01T05:07:26","slug":"kad-maksajumu-vesture-ka-uz-delnas-diena-30-09-2014-2","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=334","title":{"rendered":"Kad maks\u0101jumu v\u0113sture k\u0101 uz delnas \/ Diena, 30.09.2014."},"content":{"rendered":"<div><strong>Tava maks\u0101jumu v\u0113sture s\u0101kas ar pirmo izrakst\u012bto r\u0113\u0137inu. Kred\u012btbiroji apkopos inform\u0101ciju par vis\u0101m cilv\u0113ka finansi\u0101laj\u0101m saist\u012bb\u0101m, pat par telefona r\u0113\u0137iniem. Datus izmantos kred\u012bt\u0146\u0113m\u0113ja maks\u0101tsp\u0113jas v\u0113rt\u0113\u0161anai.<\/strong><\/div>\n<div>\n<p>Kred\u012btbiroju izveide motiv\u0113s cilv\u0113kus atbild\u012bg\u0101k izv\u0113rt\u0113t savu aiz\u0146em\u0161anos un par\u0101dus.<\/p>\n<p>Nule k\u0101 Saeima ir apstiprin\u0101jusi Kred\u012btbiroja likumu, kas nosaka ietvaru, k\u0101d\u0101 \u0161ie biroji var\u0113s darboties. Likums st\u0101sies sp\u0113k\u0101 no n\u0101kam\u0101 gada 1. janv\u0101ra.<\/p>\n<p>Kred\u012btbiroja ideja ir vienk\u0101r\u0161a \u2013 jebkur\u0161 uz\u0146\u0113m\u0113js, kur\u0161 v\u0113l\u0113sies, saska\u0146\u0101 ar likuma pras\u012bb\u0101m un ieg\u016bstot Datu valsts inspekcijas (DVI) licenci, var\u0113s dibin\u0101t savu uz\u0146\u0113mumu \u2013 kred\u012btbiroju, taj\u0101 izveidos tehnisko platformu, kur\u0101 apvienos da\u017e\u0101dus re\u0123istrus, kas saist\u012bti ar iedz\u012bvot\u0101ju maks\u0101jumiem, piem\u0113ram, bankas, komun\u0101lo pakalpojumu sniedz\u0113ju, \u0101tro kred\u012btu dev\u0113ju, veikalu, kas pied\u0101v\u0101 ieg\u0101d\u0101ties preces l\u012bzing\u0101, k\u0101 ar\u012b t\u0101dus valsts re\u0123istrus k\u0101 Ce\u013cu satiksmes dro\u0161\u012bbas direkcija, zemesgr\u0101mata, Valsts ie\u0146\u0113mumu dienests un Valsts soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas a\u0123ent\u016bra.<\/p>\n<p><!--more--><\/p>\n<p><strong>Ieg\u016bs god\u012bgie maks\u0101t\u0101ji<\/strong><\/p>\n<p>K\u0101 galvenie ieguvumi no kred\u012btbiroja izveides tiek min\u0113ti kred\u012btrisku mazin\u0101\u0161ana, iedz\u012bvot\u0101ju motiv\u0113\u0161ana uz\u0146emties finan\u0161u saist\u012bbas atbild\u012bgi un godpr\u0101t\u012bgi, k\u0101 ar\u012b efekt\u012bv\u0101kas kred\u012btinform\u0101cijas pieejam\u012bbas nodro\u0161in\u0101\u0161ana un kred\u012btriska p\u0101rvald\u012bbas uzlabo\u0161ana. Tas ir \u012bpa\u0161i b\u016btiski t\u0101p\u0113c, ka Finan\u0161u un kapit\u0101la tirgus komisijas jaun\u0101kais p\u0101rskats liecina, ka \u0161\u0101 gada otraj\u0101 ceturksn\u012b piektda\u013ca m\u0101jsaimniec\u012bbu kred\u012btu bijusi ar maks\u0101jumu kav\u0113jumiem. Savuk\u0101rt Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra dati par p\u0113rno gadu nebanku kredit\u0113\u0161anas sektor\u0101 r\u0101da, ka bez kav\u0113\u0161an\u0101s kred\u012btu atdot sp\u0113ja tikai asto\u0146i no desmit kred\u012bt\u0146\u0113m\u0113jiem.<\/p>\n<p>Faktiski kred\u012btbirojos vienuviet tiks apkopota iedz\u012bvot\u0101ju maks\u0101jumu v\u0113sture, kas par\u0101da, cik godpr\u0101t\u012bgi cilv\u0113ki pilda savas maks\u0101jumu saist\u012bbas, vai ir k\u0101di par\u0101di un cik tie ir lieli. Kred\u012btbiroji savu pe\u013c\u0146u g\u016bs no t\u0101, ka re\u0123istru apkopoto inform\u0101ciju par konkr\u0113t\u0101 iedz\u012bvot\u0101ja maks\u0101tsp\u0113ju par naudu p\u0101rdos kred\u012btiest\u0101d\u0113m personas kred\u012btsp\u0113jas v\u0113rt\u0113\u0161anai.<\/p>\n<p>J\u0101uzsver, ka cilv\u0113ka dati kred\u012btiest\u0101d\u0113m tiks nodoti tikai ar vi\u0146a piekri\u0161anu. No kred\u012btbiroju sist\u0113mas ieguv\u0113ji b\u016bs godpr\u0101t\u012bgie maks\u0101t\u0101ji, jo, k\u0101 Dienai uzsver Swedbank Priv\u0101tpersonu finan\u0161u instit\u016bta vec\u0101k\u0101 eksperte Evija Kropa, bank\u0101m b\u016bs iesp\u0113ja izstr\u0101d\u0101t individu\u0101lus pied\u0101v\u0101jumus. Tas noz\u012bm\u0113 \u2013 jo lab\u0101ka cilv\u0113ka maks\u0101jumu v\u0113sture \u2013 neviena kav\u0113juma \u2013, jo izdev\u012bg\u0101ki kred\u012bta nosac\u012bjumi (zem\u0101kas procentu likmes, maz\u0101ka pirm\u0101 iemaksa un taml\u012bdz\u012bgi). L\u012bdz \u0161im bank\u0101m nebija iesp\u0113ju izveidot \u0161\u0101dus individualiz\u0113tus pied\u0101v\u0101jumus, jo nebija vienkopus pieejama apkopota re\u0123istru inform\u0101cija. E. Kropa ar\u012b uzsver, ka bankas v\u0113rt\u0113s visu klienta kred\u012btv\u0113sturi kontekst\u0101. Proti, p\u0101ris dienu nokav\u0113ts telefona r\u0113\u0137ina samaksas termi\u0146\u0161 tiks uztverts cit\u0101di nek\u0101 p\u0101ris m\u0113ne\u0161u kav\u0113ts \u0101trais kred\u012bts.<\/p>\n<p>E. Kropa atg\u0101dina, ka kred\u012btv\u0113stures veido\u0161ana s\u0101kas l\u012bdz ar pirmo uz personas v\u0101rda izrakst\u012bto r\u0113\u0137inu.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Kred\u012btsp\u0113jas v\u0113rt\u0113\u0161anai<\/strong><\/p>\n<p>Ekonomikas ministrijas (EM) Konkurences, tirdzniec\u012bbas un pat\u0113r\u0113t\u0101ju ties\u012bbu noda\u013cas vec\u0101kais referents Intars Egl\u012btis Dienai st\u0101sta, ka komersanti, kas saist\u012bti ar iedz\u012bvot\u0101ju maks\u0101jumiem (piem\u0113ram, Latvijas g\u0101ze, R\u012bgas siltum<a class=\"personlink\" href=\"http:\/\/news.lv\/publicity\/486\">s<\/a>, banku un nebanku kred\u012btiest\u0101des, valsts re\u0123istri), inform\u0101ciju par savu klientu saist\u012bbu izpildi kred\u012btbirojiem sniegs br\u012bvpr\u0101t\u012bgi. I. Egl\u012btis uzsver, ka datu ieg\u016b\u0161ana un datu p\u0101rdo\u0161ana notiks tikai un vien\u012bgi ar datu \u012bpa\u0161nieka piekri\u0161anu. Iz\u0146\u0113mums ir \u013caunpr\u0101t\u012bgie nemaks\u0101t\u0101ji, par kuriem datus var\u0113s sniegt bez vi\u0146u piekri\u0161anas. Par \u013caunpr\u0101t\u012bgu nemaks\u0101t\u0101ju uzskat\u0101ms cilv\u0113ks, kur\u0161 savas par\u0101dsaist\u012bbas nav nok\u0101rtojis ilg\u0101k par 60 dien\u0101m. Kred\u012btbirojs ieg\u016btos datus dr\u012bkst\u0113s p\u0101rdot tikai un vien\u012bgi tiem komersantiem, kuri tos v\u0113l\u0113sies izmantot personas kred\u012btsp\u0113jas v\u0113rt\u0113\u0161anai. Jebkur\u0161 cits datu izmanto\u0161anas veids tiks uzskat\u012bts par likump\u0101rk\u0101pumu. Tas noz\u012bm\u0113, ja teor\u0113tiski k\u0101dam medijam negod\u012bg\u0101 ce\u013c\u0101 ar\u012b izdotos ieg\u016bt datus par k\u0101da sabiedr\u012bb\u0101 zin\u0101ma cilv\u0113ka, piem\u0113ram, politi\u0137a, maks\u0101jumu v\u0113sturi, tas \u0161os datus nedr\u012bkst\u0113tu public\u0113t, jo tas b\u016btu likuma p\u0101rk\u0101pums.<\/p>\n<p>Inform\u0101ciju, kuru sniedz priv\u0101ts komersants, kred\u012btbirojs var uzglab\u0101t, turpretim inform\u0101ciju, kas n\u0101k no valsts re\u0123istriem, kred\u012btbirojs sava klienta v\u0101rd\u0101 ir ties\u012bgs piepras\u012bt un tam to nos\u016bt\u012bt, ta\u010du \u0161o inform\u0101ciju nav ties\u012bgs uzglab\u0101t.<\/p>\n<p>I. Egl\u012btis st\u0101sta, ka praks\u0113 tas noz\u012bm\u0113, ja k\u0101ds cilv\u0113ks dodas uz banku p\u0113c hipotek\u0101r\u0101 kred\u012bta, banka var l\u016bgt vi\u0146a piekri\u0161anu izmantot kred\u012btbiroja inform\u0101ciju. Ja \u0161\u0101da klienta piekri\u0161ana sa\u0146emta, banka, elektroniski autoriz\u0113joties, p\u0101ris sekund\u0113s ieg\u016bst visu inform\u0101ciju par klienta maks\u0101jumu v\u0113sturi, kuru tad var izmantot kred\u012bt\u0146\u0113m\u0113ja kred\u012btsp\u0113jas v\u0113rt\u0113\u0161anai.<\/p>\n<p>Tauj\u0101ts, vai bankas var\u0113s atteikt kred\u012btu, ja potenci\u0101lais klients ne\u013caus apl\u016bkot savus datus kred\u012btbiroj\u0101, I. Egl\u012btis nor\u0101da, ka tas ir pa\u0161as bankas zi\u0146\u0101 un valsts t\u0101m \u0161aj\u0101 zi\u0146\u0101 neko nenor\u0101d\u012bs. Ar kred\u012btbiroj\u0101 apkopoto inform\u0101ciju var\u0113s iepaz\u012bties ne tikai kred\u012btiest\u0101des, bet ar\u012b iedz\u012bvot\u0101ji, par kuriem sniegtas zi\u0146as. Likums noteic, ka divas reizes gad\u0101 ikviens iedz\u012bvot\u0101js bez maksas var\u0113s apl\u016bkot savus datus. Ja k\u0101dam b\u016bs interese to dar\u012bt bie\u017e\u0101k, tad tas jau b\u016bs par maksu.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Ba\u017e\u012bjas par dro\u0161\u012bbu<\/strong><\/p>\n<p>Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161 kred\u012btbiroju izveidi v\u0113rt\u0113 piesardz\u012bg\u0101 optimism\u0101: \u00abM\u0113s ceram, ka \u0161ajos re\u0123istros nepar\u0101d\u012bsies tikai negat\u012bv\u0101 inform\u0101cija, bet ar\u012b pozit\u012bv\u0101 \u2013 par godpr\u0101t\u012bgi nok\u0101rtotaj\u0101m saist\u012bb\u0101m. Cit\u0101di t\u0101 b\u016bs tendencioza inform\u0101cija. M\u016bs ar\u012b uztrauc datu dro\u0161\u012bbas jaut\u0101jumi, lai inform\u0101cija nenon\u0101ktu nepareizaj\u0101s rok\u0101s.\u00bb<\/p>\n<p>DVI direktore Signe Pl\u016bmi\u0146a Dienai st\u0101sta, ka kred\u012btbirojiem, k\u0101 ikvienai iest\u0101dei, kas nodarbojas ar datu apstr\u0101di, b\u016bs j\u0101sa\u0146em DVI licence un sist\u0113ma tiks re\u0123istr\u0113ta \u012bpa\u0161\u0101 re\u0123istr\u0101. Tauj\u0101ta par iesp\u0113jamiem riskiem datu nopl\u016bd\u0113, S. Pl\u016bmi\u0146a atz\u012bst \u2013 jo liel\u0101ka un apjom\u012bg\u0101ka sist\u0113ma, jo riski ir liel\u0101ki. Ta\u010du visu dro\u0161\u012bbas risku izv\u0113rt\u0113\u0161ana ir t\u0101 komersanta pien\u0101kums, kuram DVI izsniegusi licenci. \u00abKred\u012btbiroja uz\u0146\u0113mumam ir j\u0101nodro\u0161ina visas Fizisko personu datu aizsardz\u012bbas likum\u0101 noteikt\u0101s pras\u012bbas, k\u0101 ar\u012b Ministru kabineta noteikumos min\u0113t\u0101s pras\u012bbas par datu dro\u0161\u012bbu,\u00bb uzsver S. Pl\u016bmi\u0146a. Tauj\u0101ta, vai DVI ar\u012b veiks p\u0101rbaudes kred\u012btbirojos saist\u012bb\u0101 ar datu dro\u0161\u012bbu, amatpersona atbild izvair\u012bgi, ka tas b\u016b\u0161ot atkar\u012bgs no konkr\u0113t\u0101s situ\u0101cijas. Ta\u010du r\u016bp\u012bgi tiks izmekl\u0113ta jebkura s\u016bdz\u012bba par konfidencialit\u0101tes p\u0101rk\u0101pumiem.<\/p>\n<p>Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija ir ar\u012b satraukta par to, vai komersanti, kas sniegs zi\u0146as kred\u012btbirojiem, nor\u0101d\u012bs ne tikai maks\u0101jumu kav\u0113jumus, bet ar\u012b to, ka saist\u012bbas ir nok\u0101rtotas un kav\u0113jums dz\u0113sts. I. Egl\u012btis gan skaidro \u2013 likums paredz, ka komersantam inform\u0101cija j\u0101aktualiz\u0113 reizi ceturksn\u012b. Zi\u0146as par nokav\u0113tu maks\u0101jumu kred\u012btbiroj\u0101 tiks uzglab\u0101tas piecus gadus p\u0113c kav\u0113juma dz\u0113\u0161anas, ja par\u0101ds ir akt\u012bvs \u2013 tad desmit gadu.<\/p>\n<p>K\u0101 nor\u0101da EM p\u0101rst\u0101vis, kred\u012btbiroji savstarp\u0113ji konkur\u0113s ar inform\u0101ciju, kuru var\u0113s pied\u0101v\u0101t saviem klientiem.<\/p>\n<p>***<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Kred\u012btbiroju izveido\u0161ana \u2013 pal\u012bgs pa\u0161iem iedz\u012bvot\u0101jiem<\/strong><\/p>\n<p><strong>Evija Kropa<\/strong><\/p>\n<p>Swedbank Priv\u0101tpersonu finan\u0161u instit\u016bta vec\u0101k\u0101 eksperte<\/p>\n<p>L\u012bdz ar kred\u012btbiroju izveidi cilv\u0113ka maks\u0101jumu v\u0113sture ieg\u016bst daudz pla\u0161\u0101ku noz\u012bmi. Proti, par\u0101d\u0101s zi\u0146as ne tikai par kav\u0113jumiem, bet ar\u012b godpr\u0101t\u012bgi nok\u0101rtotaj\u0101m saist\u012bb\u0101m. Tas ikvienai bankai \u013cauj daudz objekt\u012bv\u0101k izanaliz\u0113t klienta kred\u012btsp\u0113ju un maks\u0101juma veik\u0161anas kult\u016bru. No t\u0101 ieg\u016bst godpr\u0101t\u012bgie maks\u0101jumu veic\u0113ji, jo, balstoties uz pozit\u012bvu pag\u0101tnes pieredzi, bankas var pied\u0101v\u0101t daudz izdev\u012bg\u0101kus nosac\u012bjumus, piem\u0113ram, zem\u0101kas procentu likmes. B\u016btiski ir ar\u012b tas, ka \u0161\u0101da kred\u012btbiroja apkopota inform\u0101cija pal\u012bdz\u0113s pa\u0161iem iedz\u012bvot\u0101jiem saprast, k\u0101da tad \u012bsti ir vi\u0146u maks\u0101tsp\u0113ja, un vajadz\u012bbas gad\u012bjum\u0101 r\u016bp\u012bgi izanaliz\u0113t pa\u0161iem savas finan\u0161u prasmes.<\/p>\n<p>***<\/p>\n<p><strong>Baiba Fromane<\/strong><\/p>\n<p>Nebanku kred\u012btdev\u0113ju asoci\u0101cijas vad\u012bt\u0101ja<\/p>\n<p>M\u0113s pozit\u012bvi v\u0113rt\u0113jam kred\u012btbiroju izveidi. Tas, vai sniegsim tiem zi\u0146as par saviem klientiem, b\u016bs atkar\u012bgs no konkr\u0113t\u0101 kred\u012btbiroja, cik tas kvalitat\u012bvi str\u0101d\u0101s, k\u0101du inform\u0101ciju var\u0113s mums pied\u0101v\u0101t. Mazliet uztraucamies, vai pats \u0101tr\u0101 kred\u012bta \u0146em\u0161anas fakts jau nenostr\u0101d\u0101s par sliktu cilv\u0113kam, kur\u0161 v\u0113las sa\u0146emt, piem\u0113ram, hipotek\u0101ro kred\u012btu bank\u0101. J\u0101teic, kad m\u016bsu asoci\u0101cija izveidoja savu kred\u012btbiroju, komercbankas neb\u016bt negrib\u0113ja sniegt mums savu inform\u0101ciju. Jau pa\u0161laik m\u016bsu asoci\u0101cijas biedri savstarp\u0113ji apmain\u0101s ar inform\u0101ciju. Bet m\u016bsu dal\u012bba citos kred\u012btbirojos tie\u0161\u0101m b\u016bs atkar\u012bga no to kvalit\u0101tes, k\u0101 ar\u012b no t\u0101, vai m\u016bsu klientiem netiks uzlikts negat\u012bvs z\u012bmogs.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<div>Avots:\u00a0<a href=\"http:\/\/news.lv\/Diena\/2014\/09\/30\/kad-maksajumu-vesture-ka-uz-delnas\">News.lv<\/a><\/div>\n<div>\n<div><b>Autors:<\/b>\u00a0R\u016bta Kesnere<br \/>\n<b>Datums:<\/b>\u00a030.09.2014<br \/>\n<b>Izdevums:<\/b>\u00a0Diena<br \/>\n<b>Rubrika:<\/b>\u00a0Ekonomika<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Tava maks\u0101jumu v\u0113sture s\u0101kas ar pirmo izrakst\u012bto r\u0113\u0137inu. Kred\u012btbiroji apkopos inform\u0101ciju par vis\u0101m cilv\u0113ka finansi\u0101laj\u0101m saist\u012bb\u0101m, pat par telefona r\u0113\u0137iniem.<\/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-334","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\/334","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=334"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/334\/revisions"}],"predecessor-version":[{"id":335,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/334\/revisions\/335"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}