{"id":390,"date":"2015-02-04T21:55:22","date_gmt":"2015-02-04T21:55:22","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=390"},"modified":"2015-02-04T22:01:46","modified_gmt":"2015-02-04T22:01:46","slug":"vai-lidz-1-martam-patiesi-atkal-grozis-maksatnespejas-likumu-jurista-vards-4-02-2015","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=390","title":{"rendered":"Vai l\u012bdz 1.martam patiesi atkal groz\u012bs Maks\u0101tnesp\u0113jas likumu? \/ Jurista V\u0101rds (4.02.2015.)"},"content":{"rendered":"<p><strong>Vai Latvijas likumdev\u0113js d\u012bvain\u0101 k\u0101rt\u0101 var\u0113tu \u012bsi pirms Maks\u0101tnesp\u0113jas likuma groz\u012bjumu sp\u0113k\u0101 st\u0101\u0161an\u0101s, kas paredz\u0113ta jau 1.mart\u0101, groz\u012bt \u0161os groz\u012bjumus (??!!), atkal mainot regul\u0113jumu?<\/strong><\/p>\n<p style=\"color: #101820;\">K\u0101 zin\u0101ms, \u0161\u0101 gada 1.mart\u0101 ir pl\u0101nota Maks\u0101tnesp\u0113jas likuma (MNL) apjom\u012bgo groz\u012bjumu sp\u0113k\u0101 st\u0101\u0161an\u0101s. \u0160im nol\u016bkam \u201eJurista V\u0101rds\u201d jau zin\u0101mu laiku str\u0101d\u0101 pie \u012bpa\u0161a tematisk\u0101 numura, kas piln\u012bb\u0101 b\u016btu velt\u012bts b\u016btiskajiem jaunin\u0101jumiem, kas izriet no Maks\u0101tnesp\u0113jas likuma.<\/p>\n<p style=\"color: #101820;\">T\u0101 k\u0101 likumdev\u0113js savu gribu JAU ir paudis, \u0161oreiz tematiskaj\u0101 numur\u0101 nav pl\u0101nots galveno uzsvaru likt uz ties\u012bbpolitisku diskusiju, apcerot, vai izv\u0113l\u0113tie risin\u0101jumi ir optim\u0101li un piem\u0113rot\u0101kie Latvijas ties\u012bbu sist\u0113m\u0101. \u0160oreiz koncentr\u0113jamies uz ties\u012bbu normu piem\u0113ro\u0161anas jaut\u0101jumiem, jo 2014.gada 25.septembr\u012b un 18.decembr\u012b pie\u0146emtie groz\u012bjumi MNL, kam j\u0101st\u0101jas sp\u0113k\u0101 1.mart\u0101 (s\u0101kotn\u0113jais sp\u0113k\u0101 st\u0101\u0161an\u0101s datums 25.septembra groz\u012bjumiem bija 2015.gada 1.janv\u0101ris), ievie\u0161 \u013coti daudz b\u016btisku jaunin\u0101jumu, bet nav attiec\u012bgas un vienveid\u012bgas normu piem\u0113ro\u0161anas prakses \u2013 glu\u017ei vienk\u0101r\u0161i l\u012bdz \u0161im nav bijis t\u0101du normu. T\u0101d\u0113\u013c nol\u016bk\u0101 dot savu artavu tie\u0161i \u0161aj\u0101 aspekt\u0101 MNL groz\u012bjumiem velt\u012bto specnumuru, kas izn\u0101ks 3.mart\u0101, pl\u0101nojam k\u0101 praktiski noder\u012bgu \u2013 skaidrojo\u0161u izdevumu, tverot t\u0113mas no da\u017e\u0101diem aspektiem.<\/p>\n<p style=\"color: #101820;\"><!--more--><\/p>\n<p style=\"color: #101820;\">\u0160im nol\u016bkam redakcija ir uzrun\u0101jusi da\u017e\u0101du jomu p\u0101rst\u0101vjus, no kuriem katrs ir aicin\u0101ts uz MNL ieviestaj\u0101m izmai\u0146\u0101m pal\u016bkoties caur savu prizmu, uzsverot b\u016btisk\u0101ko no sava skatpunkta. Protams, visus ties\u012bbu instit\u016btus vien\u0101 numur\u0101 neaptversim, un tom\u0113r dar\u0101m, ko varam. V\u0101rdu sakot, darbs rit uz priek\u0161u. Ta\u010du \u0161oned\u0113\u013c esmu sa\u0146\u0113musi vair\u0101kus e-pastus no da\u017e\u0101diem avotiem, kuros v\u0113rsta uzman\u012bba uz \u0161\u0101du faktu \u2013 iesp\u0113jams, l\u012bdz 1.martam MNL atkal tik\u0161ot groz\u012bts un tie\u0161i attiec\u012bb\u0101 uz t\u0101m norm\u0101m, kur\u0101m j\u0101st\u0101jas sp\u0113k\u0101 1.mart\u0101! L\u012bdz ar to redakcijai (jeb man k\u0101 t\u0101s p\u0101rst\u0101vei, kura praktiski nodarbojas ar attiec\u012bg\u0101 tematisk\u0101 numura satura organiz\u0113\u0161anu) tika ieteikts nogaid\u012bt, \u201elai sadu\u013c\u0137otais \u016bdens noskaidrojas\u201d, un tikai tad \u0137erties pie tematisk\u0101 numura satura organiz\u0113\u0161anas. Cit\u0101di var san\u0101kt, ka k\u0101rt\u0113jo groz\u012bjumu d\u0113\u013c da\u017ei skaidrojo\u0161ie raksti taj\u0101 b\u016btu velts darbs \u2013 par regul\u0113jumu, kas p\u0113d\u0113j\u0101 br\u012bd\u012b pirms sp\u0113k\u0101 st\u0101\u0161an\u0101s tiks groz\u012bts un attiec\u012bgi vairs neb\u016bs aktu\u0101ls.<\/p>\n<p style=\"color: #101820;\">\u0160\u0101das versijas pamat\u0101 ir vair\u0101ki priek\u0161likumi groz\u012bjumiem MNL, kuri \u0161obr\u012bd jau ir sasniegu\u0161i Saeimu. Vienus no tiem Latvijas Republikas Saeimas Bud\u017eeta un finan\u0161u (nodok\u013cu) komisijas priek\u0161s\u0113d\u0113t\u0101jam K.\u0160adurskim 30.janv\u0101r\u012b adres\u0113jusi Latvijas Banka (\u0161o v\u0113stuli skat. zem\u0101k). Ir v\u0113l vieni, satur\u0101 \u013coti l\u012bdz\u012bgi priek\u0161likumi, no citas finan\u0161u domubiedru grupas, kura, sprie\u017eot p\u0113c sav\u0101 e-past\u0101 sa\u0146emto pielikumu satura, tos ir nos\u016bt\u012bjusi Saeimas Juridiskajai komisijai.<\/p>\n<p style=\"color: #101820;\">Pirmaj\u0101 mirkl\u012b draudz\u012bgos aicin\u0101jumus nesteigties ar tematisk\u0101 numura sagatavo\u0161anu uztv\u0113ru ar vieglu smaidu, jo, ieskatoties kalend\u0101r\u0101, kas r\u0101da febru\u0101ri, ir gr\u016bti notic\u0113t, ka l\u012bdz 1.martam \u0161\u0101di groz\u012bjumi MNL ir iesp\u0113jami. Ta\u010du mans vieglais smaids \u0161odien arvien vair\u0101k p\u0101rtapa r\u016bpju riev\u0101s pier\u0113, jo, m\u0113\u0123inot izzin\u0101t faktisko situ\u0101ciju, atkal vair\u0101kk\u0101rt dzird\u0113ju prognozes, ka \u201em\u016bsu valst\u012b un steidzam\u012bbas k\u0101rt\u012bb\u0101 viss ir iesp\u0113jams\u201d. Satrauco\u0161\u0101kais, ka cilv\u0113ki, kuri izteica \u0161\u0101dus pie\u0146\u0113mumus, nerun\u0101ja pie\u0146\u0113mumu l\u012bmen\u012b, bet gan k\u0101 jau par pusl\u012bdz dro\u0161u faktu. Tas liek aizdom\u0101ties, no kurienes vi\u0146os \u0161\u0101da p\u0101rliec\u012bba.<\/p>\n<p><span style=\"color: #000000;\">J\u0101, teor\u0113tiski l\u012bdz 1.martam v\u0113l var pasp\u0113t groz\u012bt MNL. Ta\u010du, run\u0101jot skaidru valodu, atkal j\u0101jaut\u0101: <strong>vai patiesi Latvijas Republikas Saeima ir gatava burtiski p\u0113d\u0113j\u0101 br\u012bd\u012b pirms MNL groz\u012bjumu sp\u0113k\u0101 st\u0101\u0161an\u0101s, kas turkl\u0101t jau ir p\u0101rcelta no \u0161\u0101 gada 1.janv\u0101ra uz 1.martu, atkal p\u0113k\u0161\u0146i main\u012bt tiesisko regul\u0113jumu<\/strong>? T\u0101 vienk\u0101r\u0161i \u2013 bez atkl\u0101t\u0101m diskusij\u0101m, bez lietprat\u0113ju apspriedes un sabiedr\u012bbas inform\u0113\u0161anas?<\/span><\/p>\n<p><span style=\"color: #000000;\">Ak, j\u0101, esam noskaidroju\u0161i, ka, lai sabiedr\u012bbu saudz\u0113tu, lieki netracin\u0101tu un neceltu nevajadz\u012bgu a\u017eiot\u0101\u017eu, par Latvijas Bankas sniegtajiem priek\u0161likumiem vispirms esot paredz\u0113ts apspriesties frakcij\u0101s un koal\u012bcij\u0101, t\u0101d\u0113\u013c to saturu nav v\u0113lams \u0161obr\u012bd publiskot.<\/span><\/p>\n<p><span style=\"color: #000000;\">Manupr\u0101t, sabiedr\u012bbai tom\u0113r ir pamatota interese un ties\u012bbas \u0161os MNL groz\u012bjumu priek\u0161likumus zin\u0101t \u2013 un, jo \u0101tr\u0101k, jo lab\u0101k. Jo sabiedr\u012bba ir t\u0101, uz kuru ar\u012bdzan \u0161ie priek\u0161likumi attiecas. Tie neskar vien\u012bgi tautsaimniec\u012bbu, kredit\u0113\u0161anas sektoru, ekonomisko izaugsmi u.tml., bet ar\u012b re\u0101lus un dz\u012bvus cilv\u0113kus, kuriem vajadz\u0113tu b\u016bt ties\u012bb\u0101m izteikties un laikus zin\u0101t ties\u012bbu normas, kas \u013coti b\u016btiski ietekm\u0113s vi\u0146u finansi\u0101lo n\u0101kotni. Vien\u012bgi sabiedr\u012bbas lobijs, \u0161\u0137iet, nav tik sp\u0113c\u012bgs, iepretim finan\u0161u sektoram.<\/span><\/p>\n<p><span style=\"color: #000000;\">Likumu saturs ir likumdev\u0113ja kompetence. Un nav runas par to, ka likumdev\u0113js nevar\u0113tu lemt, ko atst\u0101t sp\u0113k\u0101 un ko groz\u012bt. Ta\u010du \u0161im ir j\u0101b\u016bt lo\u0123iskam un tiesiskai valstij atbilsto\u0161am procesam, nevis p\u0113k\u0161\u0146am p\u0101rsteigumam. <strong>Tuv\u0101k\u0101s p\u0101ris ned\u0113\u013cas par\u0101d\u012bs to, k\u0101 Latvij\u0101 tiek izprasta likumdo\u0161anas procesa kvalit\u0101te.<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">Bet tematisko numuru gan nep\u0101rcelsim \u2013 tas jebkur\u0101 gad\u012bjum\u0101 pie las\u012bt\u0101jiem dosies 3.mart\u0101. T\u0101pat ar\u012b visus interesentus gaid\u012bsim uz \u201eJurista V\u0101rda\u201d autoru un las\u012bt\u0101ju tik\u0161anos 25.febru\u0101r\u012b plkst. 17.00 LU Bibliot\u0113k\u0101 \u2013 Universit\u0101tes centr\u0101laj\u0101 \u0113k\u0101, Rai\u0146a bulv\u0101r\u012b 19, 2.st\u0101v\u0101. Ar\u012b \u0161\u012bs tik\u0161an\u0101s temats b\u016bs \u201ekarstie\u201d groz\u012bjumi Maks\u0101tnesp\u0113jas likum\u0101, un jau tuv\u0101kaj\u0101s dien\u0101s port\u0101la\u00a0<em>juristavards.lv<\/em>afi\u0161\u0101 izzi\u0146osim gan referentus, gan priek\u0161las\u012bjumu tematus.<\/span><\/p>\n<p style=\"color: #101820;\">***<\/p>\n<p style=\"color: #101820;\">R\u012bga<\/p>\n<p style=\"color: #101820;\">30.01.2015. Nr. 001-08.1\/2015\/29<\/p>\n<p style=\"color: #101820;\">Latvijas Republikas Saeimas Bud\u017eeta un finan\u0161u (nodok\u013cu) komisijas priek\u0161s\u0113d\u0113t\u0101jam K.\u0160adurskim<\/p>\n<p style=\"color: #101820;\">J\u0113kaba iela 10\/12, R\u012bga, LV-1811<\/p>\n<p style=\"color: #101820;\"><strong>Par normat\u012bvo aktu groz\u012bjumiem<\/strong><\/p>\n<p style=\"color: #101820;\">A.god. K.\u0160adurska k-gs!<\/p>\n<p style=\"color: #101820;\">\u0145emot v\u0113r\u0101, ka glob\u0101l\u0101s ekonomikas att\u012bst\u012bba, tai skait\u0101 eiro zonas un Krievijas tautsaimniec\u012bbas izaugsme, p\u0113d\u0113j\u0101 laik\u0101 ir piedz\u012bvojusi past\u0101v\u012bgas lejupejo\u0161as tendences, ar\u012b Latvijas tautsaimniec\u012bbas tempi \u0161obr\u012bd diem\u017e\u0113l uzr\u0101da lejupv\u0113rstu dinamiku, ar m\u0113r\u0137i sekm\u0113t Latvijas tautsaimniec\u012bbas att\u012bst\u012bbu un finans\u0113juma pieejam\u012bbu, Latvijas Banka rosina pilnveidot kredit\u0113\u0161anu regul\u0113jo\u0161\u0101s likumu normas, nodro\u0161inot pie\u0146emamu l\u012bdzsvaru starp aizdev\u0113ju un aiz\u0146\u0113m\u0113ju interes\u0113m:<\/p>\n<p style=\"color: #101820;\">1) papildin\u0101t likuma 8.<sup>1<\/sup>pantu &#8220;\u012apa\u0161ie noteikumi attiec\u012bb\u0101 uz kred\u012btiem, kuru atmaksa nodro\u0161in\u0101ta ar nekustam\u0101 \u012bpa\u0161uma hipot\u0113ku&#8221; ar piekto da\u013cu \u0161\u0101d\u0101 redakcij\u0101:<\/p>\n<p style=\"color: #101820;\">&#8220;(5) Kred\u012bta dev\u0113js un pat\u0113r\u0113t\u0101js kred\u012bta l\u012bgum\u0101 dr\u012bkst skaidri vienoties, ka pietiek ar nodro\u0161in\u0101juma nodo\u0161anu kred\u012bta dev\u0113jam, lai atmaks\u0101tu kred\u012btu. Kred\u012bta dev\u0113jam p\u0113c pat\u0113r\u0113t\u0101ja aizdevuma piepras\u012bjuma sa\u0146em\u0161anas ir j\u0101pied\u0101v\u0101 pat\u0113r\u0113t\u0101jam divi kred\u012bta l\u012bguma projekti, no kuriem viens paredz, ka pietiek ar nodro\u0161in\u0101juma nodo\u0161anu kred\u012bta dev\u0113jam, lai atmaks\u0101tu kred\u012btu, savuk\u0101rt otrs paredz pilnu pat\u0113r\u0113t\u0101ja atbild\u012bbu par aizdevuma atmaksu. Kred\u012bta dev\u0113jam ir ties\u012bbas piem\u0113rot katram no kred\u012bta l\u012bguma projektiem at\u0161\u0137ir\u012bgus noteikumus.&#8221;;<\/p>\n<p style=\"color: #101820;\">2) sv\u012btrot Maks\u0101tnesp\u0113jas likuma 147.panta sesto da\u013cu:<\/p>\n<p style=\"color: #101820;\">&#8220;(6) P\u0113c t\u0101s mantas p\u0101rdo\u0161anas, kas kalpojusi par nodro\u0161in\u0101jumu, 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.&#8221;;<\/p>\n<p style=\"color: #101820;\">3) Maks\u0101tnesp\u0113jas likuma 155.panta ceturto da\u013cu izteikt \u0161\u0101d\u0101 redakcij\u0101:<\/p>\n<p style=\"color: #101820;\">&#8220;155.pants. Fizisk\u0101s personas saist\u012bbu dz\u0113\u0161anas pl\u0101na termi\u0146\u0161.<\/p>\n<p style=\"color: #101820;\">(4) Ja par\u0101dnieks saist\u012bbu dz\u0113\u0161anas proced\u016bras laik\u0101 no savas gribas neatkar\u012bgu apst\u0101k\u013cu d\u0113\u013c nav sp\u0113j\u012bgs segt \u0161\u0101 panta otraj\u0101 un tre\u0161aj\u0101 da\u013c\u0101 noteikto saist\u012bbu apm\u0113ru, fizisk\u0101s personas saist\u012bbu dz\u0113\u0161anas pl\u0101n\u0101 paredz, ka kreditoru pras\u012bjumu seg\u0161anai tiks novirz\u012bti l\u012bdzek\u013ci vienas tre\u0161da\u013cas apm\u0113r\u0101 no par\u0101dnieka ien\u0101kumiem, bet ne maz\u0101k k\u0101 vienas tre\u0161da\u013cas apm\u0113r\u0101 no vienas minim\u0101l\u0101s m\u0113ne\u0161algas m\u0113nes\u012b. Saist\u012bbu dz\u0113\u0161anas pl\u0101na termi\u0146\u0161 nosak\u0101ms \u0161\u0101di:<\/p>\n<p style=\"color: #101820;\">1) viens gads no saist\u012bbu dz\u0113\u0161anas proced\u016bras pasludin\u0101\u0161anas dienas, ja par\u0101dnieka kop\u0113j\u0101s saist\u012bbas p\u0113c bankrota proced\u016bras pabeig\u0161anas nep\u0101rsniedz 30 000\u00a0<em>euro<\/em>;<\/p>\n<p style=\"color: #101820;\">2) divi gadi no saist\u012bbu dz\u0113\u0161anas proced\u016bras pasludin\u0101\u0161anas dienas, ja par\u0101dnieka\u00a0\u00a0 kop\u0113j\u0101s saist\u012bbas p\u0113c bankrota proced\u016bras pabeig\u0161anas ir no 30 001<em>euro<\/em>\u00a0l\u012bdz 150 000\u00a0<em>euro<\/em>,<\/p>\n<p style=\"color: #101820;\">3) tr\u012bs gadi no saist\u012bbu dz\u0113\u0161anas proced\u016bras pasludin\u0101\u0161anas dienas, ja par\u0101dnieka kop\u0113j\u0101s saist\u012bbas p\u0113c bankrota proced\u016bras pabeig\u0161anas p\u0101rsniedz 150 000\u00a0<em>euro<\/em>.&#8221;<\/p>\n<p style=\"color: #101820;\">Ar patiesu cie\u0146u,<\/p>\n<p style=\"color: #101820;\">Latvijas Bankas prezidents\u00a0<em>I.Rim\u0161\u0113vi\u010ds<\/em><\/p>\n<p>Avots: <a href=\"http:\/\/www.juristavards.lv\/eseja\/266059-vai-lidz-1martam-patiesi-atkal-grozis-maksatnespejas-likumu\/\">Jurista V\u0101rds<\/a> (Sannija Matule)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vai Latvijas likumdev\u0113js d\u012bvain\u0101 k\u0101rt\u0101 var\u0113tu \u012bsi pirms Maks\u0101tnesp\u0113jas likuma groz\u012bjumu sp\u0113k\u0101 st\u0101\u0161an\u0101s, kas paredz\u0113ta jau 1.mart\u0101, groz\u012bt \u0161os groz\u012bjumus<\/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-390","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\/390","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=390"}],"version-history":[{"count":8,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/390\/revisions"}],"predecessor-version":[{"id":398,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/390\/revisions\/398"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}