{"id":348,"date":"2014-10-14T21:20:07","date_gmt":"2014-10-14T21:20:07","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=348"},"modified":"2014-10-14T21:23:48","modified_gmt":"2014-10-14T21:23:48","slug":"aktualie-grozijumi-maksatnespejas-likuma-kas-ir-mainijies","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=348","title":{"rendered":"Aktu\u0101lie groz\u012bjumi Maks\u0101tnesp\u0113jas likum\u0101: kas ir main\u012bjies?"},"content":{"rendered":"<p><strong>Septembra beig\u0101s Saeim\u0101 pie\u0146emtie un 6. oktobr\u012b Valsts prezidenta Andra B\u0113rzi\u0146a apstiprin\u0101tie groz\u012bjumi Maks\u0101tnesp\u0113jas likum\u0101, kas st\u0101sies sp\u0113k\u0101 2015. gada 1. janv\u0101r\u012b, iek\u013cauj vair\u0101kas jaunas normas. Likums ir k\u013cuvis labv\u0113l\u012bg\u0101ks kred\u012bt\u0146\u0113m\u0113jiem!<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>Starp b\u016btisk\u0101kaj\u0101m ar likuma groz\u012bjumiem ieviestaj\u0101m izmai\u0146\u0101m ir t\u0101 sauktais \u201enolikto atsl\u0113gu princips\u201d, \u0123imenes bankrots, maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anas sliek\u0161\u0146a samazin\u0101\u0161ana, stingr\u0101ku noteiktumu ievie\u0161ana gad\u012bjumiem, kad tiek atteikta maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161ana,k\u0101 ar\u012b saist\u012bbu dz\u0113\u0161anas proced\u016bras termi\u0146a samazin\u0101\u0161ana.<\/p>\n<p><!--more--><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u201eNolikto atsl\u0113gu princips\u201d fizisk\u0101m person\u0101m<\/strong><\/p>\n<p>Visliel\u0101k\u0101s debates ir rais\u012bjis t\u0101 sauktais \u201enolikto atsl\u0113gu princips\u201d. \u0160is princips paredz, ka gad\u012bjum\u0101, ja fiziska persona uzs\u0101k maks\u0101tnesp\u0113jas procesu un bankrota proced\u016bras laik\u0101 tiek p\u0101rdots t\u0101 vien\u012bgais m\u0101joklis, l\u012bdz ar izsoles akta apstiprin\u0101\u0161anu tiek dz\u0113stas ne tikai par\u0101dnieka saist\u012bbas ar banku, bet ar\u012b ar \u0161o kred\u012btu saist\u012btie galvojumi. \u0160\u0101da k\u0101rt\u012bba attieksies uz hipotek\u0101rajiem kred\u012btiem, kurus bankas izsniegs p\u0113c 2015. gada 1. janv\u0101ra. Uz tiem, kas maks\u0101tnesp\u0113jas procesu b\u016bs uzs\u0101ku\u0161i l\u012bdz 2015. gada 1. janv\u0101rim, \u0161is princips neattieksies.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Tiek ieviests \u0123imenes bankrots<\/strong><\/p>\n<p>\u0122imenes bankrots paredz to, ka visi pirm\u0101s pak\u0101pes radinieki (m\u0101sas, br\u0101\u013ci, vec\u0101ki, b\u0113rni, sieva, v\u012brs), uzs\u0101kot maks\u0101tnesp\u0113jas procesu p\u0113c 1. janv\u0101ra, var\u0113s \u0161o procesu iziet kop\u0101. Finansi\u0101l\u0101s gr\u016bt\u012bb\u0101s non\u0101ku\u0161\u0101m \u0123imen\u0113m \u0161\u012b likuma norma atvieglos maks\u0101tnesp\u0113jas procesa izie\u0161anu \u2013 \u0123imenei b\u016bs nepiecie\u0161ams tikai viens maks\u0101tnesp\u0113jas administrators un ar\u012b valsts nodeva b\u016bs j\u0101maks\u0101 viena visiem kop\u0101. Lai var\u0113tu uzs\u0101kt kop\u012bgu maks\u0101tnesp\u0113jas procesu, abiem no \u0123imenes ir j\u0101b\u016bt paz\u012bm\u0113m, kas liecina, ka ir iest\u0101ju\u0161\u0101s par\u0101dsaist\u012bb\u0101s.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Zem\u0101ks maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anas slieksnis<\/strong><\/p>\n<p>Uz \u0161o br\u012bdi pirmais maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anas slieksnis fizisk\u0101m person\u0101m ir 7 140 EUR, bet, s\u0101kot ar jauno gadu, \u0161is slieksnis b\u016bs 5 000 EUR. Otrs variants ir gad\u012bjum\u0101, ja var pier\u0101d\u012bt, ka par\u0101dsaist\u012bbas iest\u0101sies tuv\u0101ko gadu laik\u0101 &#8211; tad maks\u0101tnesp\u0113jas procesa uzs\u0101k\u0161anas slieksnis b\u016bs 10\u00a0000 EUR. \u0160is p\u0113d\u0113jais variants gan tiek izmantots \u013coti reti, jo liel\u0101koties maks\u0101tnesp\u0113jas procesi tiek uzs\u0101kti, kad fiziskai personai jau ir iest\u0101ju\u0161\u0101s par\u0101dsaist\u012bb\u0101s.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Izmai\u0146as maks\u0101tnesp\u0113jas procesa atteik\u0161anas k\u0101rt\u012bb\u0101<\/strong><\/p>\n<p>Ir zin\u0101mi gad\u012bjumi, kad ties\u0101 tiek noraid\u012bts maks\u0101tnesp\u0113jas pieteikums, pamatojot atteikumu ar pie\u0146\u0113mumu, ka 30% no aiz\u0146emt\u0101s naudas l\u012bdzek\u013ciem kred\u012bt\u0146\u0113m\u0113js ir izlietojis neatbilsto\u0161i m\u0113r\u0137im. Ar 1. janv\u0101ri likum\u0101 st\u0101sies sp\u0113k\u0101 izmai\u0146as, kas paredz, ka maks\u0101tnesp\u0113jas pieteikumu var\u0113s atteikt tikai tajos gad\u012bjumos, kad ar tiesas l\u0113mumu b\u016bs pier\u0101d\u012bts, ka \u0161ie 30% tik tie\u0161\u0101m ir izlietoti neatbilsto\u0161i m\u0113r\u0137im. Ja \u0161\u0101da tiesas l\u0113mums nav, tad, s\u0101kot ar jauno gadu, ar\u012b tie, kas b\u016bs izt\u0113r\u0113ju\u0161i vair\u0101k \u2013 kaut 31% vai 50%, b\u016bs visas iesp\u0113jas uzs\u0101kt maks\u0101tnesp\u0113jas procesu.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Samazin\u0101ts saist\u012bbu dz\u0113\u0161anas proced\u016bras termi\u0146\u0161<\/strong><\/p>\n<p>B\u016btiskas un \u013coti noz\u012bm\u012bgas izmai\u0146as, kas attieksies ne tikai uz jaunajiem maks\u0101tnesp\u0113jas procesiem, bet ar\u012b uz jau uzs\u0101ktajiem, ir saist\u012bbu dz\u0113\u0161anas proced\u016bras termi\u0146a samazin\u0101\u0161ana. K\u0101 jau zin\u0101ms, maks\u0101tnesp\u0113jas process sast\u0101v no div\u0101m da\u013c\u0101m \u2013 pirm\u0101 ir t\u0101, kas sast\u0101v no bankrota proced\u016bras un parasti ilgst pusgadu, otra ir saist\u012bbu dz\u0113\u0161anas proced\u016bra. Ar 1. janv\u0101ri \u0161is saist\u012bbu dz\u0113\u0161anas proced\u016bras termi\u0146\u0161 99% gad\u012bjumu b\u016bs samazin\u0101ts. Ja par\u0101dsaist\u012bbas b\u016bs l\u012bdz 100\u00a0000 EUR p\u0113c mantas p\u0101rdo\u0161anas, t\u0101tad p\u0113c bankrota proced\u016bras pabeig\u0161anas, saist\u012bbu dz\u0113\u0161anas proced\u016bra ilgs vienu gadu. Ja par\u0101dsaist\u012bbas b\u016bs no 100\u00a0000 l\u012bdz 300\u00a0000 EUR, saist\u012bbu dz\u0113\u0161anas proced\u016bra ilgs divus gadus. Savuk\u0101rt, tiem, kuriem par\u0101dsaist\u012bbas b\u016bs virs 300\u00a0000 EUR \u2013 tr\u012bs gadus.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Svar\u012bga inform\u0101cija tiem, kas jau ir uzs\u0101ku\u0161i fizisk\u0101s personas maks\u0101tnesp\u0113jas procesu!<\/strong><\/p>\n<p>Ar\u012b tiem, kas jau ir uzs\u0101ku\u0161i maks\u0101tnesp\u0113jas procesu, ir iesp\u0113ja p\u0101riet uz jauno samazin\u0101to saist\u012bbu dz\u0113\u0161anas proced\u016bras termi\u0146u.<\/p>\n<blockquote><p><strong>\u201eLai fiziskas personas samazin\u0101tu saist\u012bbu dz\u0113\u0161anas proced\u016bras termi\u0146u,\u00a0janv\u0101ra laik\u0101 j\u0101iesniedz ties\u0101 saist\u012bbu dz\u0113\u0161anas pl\u0101na groz\u012bjumi.<\/strong> B\u016btiski nenokav\u0113t \u0161o termi\u0146u, jo citas iesp\u0113jas p\u0101riet uz samazin\u0101to procesa termi\u0146u neb\u016bs. Aicinu to dar\u012bt savlaic\u012bgi!\u201d uzsver Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Septembra beig\u0101s Saeim\u0101 pie\u0146emtie un 6. oktobr\u012b Valsts prezidenta Andra B\u0113rzi\u0146a apstiprin\u0101tie groz\u012bjumi Maks\u0101tnesp\u0113jas likum\u0101, kas st\u0101sies sp\u0113k\u0101 2015. gada<\/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-348","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\/348","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=348"}],"version-history":[{"count":3,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/348\/revisions"}],"predecessor-version":[{"id":351,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/348\/revisions\/351"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=348"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=348"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=348"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}