{"id":399,"date":"2015-02-10T13:16:37","date_gmt":"2015-02-10T13:16:37","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=399"},"modified":"2015-02-10T13:19:26","modified_gmt":"2015-02-10T13:19:26","slug":"maksatnespejas-likumu-atkal-grozis","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=399","title":{"rendered":"Maks\u0101tnesp\u0113jas likumu atkal groz\u012bs? (10.02.2015.)"},"content":{"rendered":"

Jau zi\u0146ots, ka \u0161\u012b gada 1. mart\u0101 pl\u0101nota Maks\u0101tnesp\u0113jas likuma (MNL) groz\u012bjumu, kas pie\u0146emti pag\u0101ju\u0161\u0101 gada septembr\u012b, st\u0101\u0161an\u0101s sp\u0113k\u0101.<\/strong><\/p>\n

Redakcija, kas nav groz\u012bta un kurai vajadz\u0113tu st\u0101ties sp\u0113k\u0101 \u0161\u012b gada 1.\u00a0mart\u0101, paredz \u0161\u0101dus maks\u0101tnesp\u0113jas procesa termi\u0146us:<\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ja par\u0101dsaist\u012bbas p\u0113c mantas p\u0101rdo\u0161anas, t\u0101tad p\u0113c bankrota proced\u016bras pabeig\u0161anas, b\u016bs l\u012bdz 100 000 EUR, saist\u012bbu dz\u0113\u0161anas proced\u016bra ilgs vienu gadu.
\n–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ja par\u0101dsaist\u012bbas b\u016bs no 100 000 l\u012bdz 300 000 EUR, saist\u012bbu dz\u0113\u0161anas proced\u016bra ilgs divus gadus.
\n–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Savuk\u0101rt, tiem, kuriem par\u0101dsaist\u012bbas b\u016bs virs 300 000 EUR \u2013 tr\u012bs gadus.<\/p>\n

Lai gan laika v\u0113lreiz kvalitat\u012bvi veikt MNL groz\u012bjumus nav, izskat\u0101s, ka likums v\u0113l tom\u0113r p\u0113d\u0113j\u0101 br\u012bd\u012b tiks groz\u012bts. Tas, ko \u0161obr\u012bd pied\u0101v\u0101 bankas, attiec\u012bb\u0101 uz maks\u0101tnesp\u0113jas procesa termi\u0146iem un par\u0101dsaist\u012bbu apm\u0113riem, ir sekojo\u0161ais:<\/strong><\/p>\n

–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ja par\u0101dsaist\u012bbas p\u0113c mantas p\u0101rdo\u0161anas b\u016bs l\u012bdz 30\u00a0000 EUR, tad saist\u012bbu dz\u0113\u0161anas proced\u016bra ilgs vienu gadu.
\n–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ja par\u0101dsaist\u012bbas b\u016bs no 30\u00a0000 l\u012bdz 150\u00a0000 EUR \u2013 proced\u016bra ilgs divus gadus.
\n–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Savuk\u0101rt, ja par\u0101dsaist\u012bbas b\u016bs virs 150\u00a0000 EUR \u2013 tr\u012bs gadus.<\/p>\n

V\u0113l pl\u0101nots no MNL iz\u0146emt nolikto atsl\u0113gu principu, ko p\u0101rcels uz Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likumu.<\/p>\n

\u201ePiekr\u012btu, ka nolikto atsl\u0113gu principa ievie\u0161ana neatrisin\u0101s pag\u0101tnes probl\u0113mas, bet gan var risin\u0101t n\u0101kotnes probl\u0113mas. L\u012bdz ar to t\u0101 ielik\u0161ana Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 ir atbalst\u0101ma, tom\u0113r absol\u016bti nepiekr\u012btu k\u0101rt\u0113jai maks\u0101tnesp\u0113jas procesa termi\u0146u groz\u012b\u0161anai,\u201d savu nost\u0101ju pau\u017e Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes priek\u0161s\u0113d\u0113t\u0101js J\u0101nis \u0100boli\u0146\u0161 un pamato savu viedokli: \u201eIepriek\u0161 pie\u0146emtie termi\u0146i ir absol\u016bti nepiecie\u0161ami, jo tie v\u0113rsti uz to, lai kred\u012btu gr\u016bt\u012bb\u0101s non\u0101ku\u0161ie var\u0113tu re\u0101li atbr\u012bvoties no par\u0101dsaist\u012bb\u0101m un uzs\u0101kt dz\u012bvi no jauna.<\/strong> Tie cilv\u0113ki, kas \u0161obr\u012bd iet maks\u0101tnesp\u0113jas procesu, ir ekonomiski akt\u012bvi un vi\u0146i Latvijas ekonomikai ir \u013coti nepiecie\u0161ami, turkl\u0101t maks\u0101tnesp\u0113jas izie\u0161ana ir ar\u012b veids, k\u0101 izvilkt cilv\u0113kus no \u0113nu ekonomikas, par ko tik daudz uztraucas Finan\u0161u ministrs.\u201d<\/p>\n

J. \u0100boli\u0146\u0161 skaidro, ka iepriek\u0161\u0113j\u0101 Saeim\u0101 2014. gada septembr\u012b pie\u0146emtie maks\u0101tnesp\u0113jas procesa termi\u0146i jau biju\u0161i ilgi diskut\u0113ti, izskat\u012bti un soli pa solim Tautsaimniec\u012bbas komisij\u0101 non\u0101kts pie \u0161\u0101da kompromisa varianta. Tas daudzk\u0101rt izv\u0113rt\u0113ts un izskat\u012bts no vis\u0101m pus\u0113m.<\/p>\n

\u201eJ\u0101, saprotu ar\u012b banku ba\u017eas, jo maks\u0101tnesp\u0113jas proces\u0101 \u0161obr\u012bd ir vismaz pieci t\u016bksto\u0161i personu, un, visticam\u0101k, p\u0113c jaun\u0101 likuma pie\u0146em\u0161anas, \u0161ie cilv\u0113ki 2-3 m\u0113ne\u0161u laik\u0101 b\u016bs br\u012bvi no par\u0101dsaist\u012bb\u0101m. Tom\u0113r es dom\u0101ju, ka tas ir apsveicami un labi gan bank\u0101m, gan valstij, gan sabiedr\u012bbai. Bankas prec\u012bzi zin\u0101s \u0161o personu kred\u012btv\u0113sturi un var\u0113s pied\u0101v\u0101t atbilsto\u0161us nosac\u012bjumus. Uzskatu, ka bank\u0101m skaidri un gai\u0161i j\u0101pasaka, k\u0101di nosac\u012bjumi b\u016bs cilv\u0113kiem, kas izg\u0101ju\u0161i maks\u0101tnesp\u0113jas procesu. Tas viss j\u0101izv\u0113rt\u0113 laic\u012bgi un sabiedr\u012bba j\u0101inform\u0113 par to,\u201d uzsver J. \u0100boli\u0146\u0161.<\/p>\n

Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija uzskata, ka Latvijas Komercbanku asoci\u0101cijas (LKA) prezidenta M\u0101rti\u0146a Bi\u010devska un Latvijas Bankas prezidenta Ilm\u0101ra Rim\u0161\u0113vi\u010da pied\u0101v\u0101tie termi\u0146i ar citiem par\u0101dsaist\u012bbu apm\u0113riem b\u016btu iesp\u0113jami p\u0113c tr\u012bs l\u012bdz \u010detriem gadiem, kad likumu var\u0113tu v\u0113rt va\u013c\u0101 v\u0113lreiz. Tagad ieviest banku izvirz\u012btos groz\u012bjumus neb\u016btu atbilsto\u0161i \u0161\u012b br\u012b\u017ea ekonomiskajai situ\u0101cijai.<\/p>\n

\u201eBiju\u0161ais ministru prezidents Valdis Dombrovskis saka, ka ekonomisk\u0101 kr\u012bze ir beigusies, bet m\u0113s p\u0113c tiem cilv\u0113kiem, kas pie mums v\u0113r\u0161as, varam pateikt, ka kr\u012bze nav beigusies un nekas neliecina, ka ien\u0101kumi b\u016btu atgriezu\u0161ies iepriek\u0161\u0113j\u0101 l\u012bmen\u012b,\u201d atkl\u0101j J. \u0100boli\u0146\u0161.<\/p>\n

Latvij\u0101 nekustam\u0101 \u012bpa\u0161uma burbulis ir bijis tie\u0161\u0101m smags – p\u0113c Pasaules bankas veikt\u0101 p\u0113t\u012bjuma, Latvij\u0101 nekustam\u0101 \u012bpa\u0161uma cena krit\u0101s pat l\u012bdz 70%, kas netika nov\u0113rots nekur citur Eirop\u0101. L\u012bdz ar to past\u0101v\u0113ja ar\u012b viss\u012bv\u0101k\u0101 konkurence attiec\u012bb\u0101 uz kred\u012btiem, un tikai Latvij\u0101 izsniedza kred\u012btus ar 105% likmi, kas nu ir uz banku un vado\u0161o banku darbinieku atbild\u012bbas. Turkl\u0101t taj\u0101 pa\u0161\u0101 laik\u0101 Latvij\u0101 ar\u012b visdrastisk\u0101k krit\u0101s ien\u0101kumu l\u012bmenis \u2013 cilv\u0113kiem, kuri iet uz maks\u0101tnesp\u0113ju, algas kritums taj\u0101 laik\u0101 bija vismaz 25-30% un pat 50%, nemaz nerun\u0101jot par tiem, kuri visp\u0101r palika bez darba.<\/p>\n

\u201eT\u0101 k\u0101 1. marts ir sv\u0113tdiena, likumdev\u0113jiem ir maksimums 3 ned\u0113\u013cas, kuru laik\u0101 norm\u0101l\u0101 k\u0101rt\u012bb\u0101 nevar pag\u016bt izskat\u012bt likuma priek\u0161likumus. San\u0101k, ka 12. febru\u0101r\u012b likums ir j\u0101atver un 26. febru\u0101r\u012b jau j\u0101pie\u0146em. T\u0101 nav lab\u0101 prakse likumu pie\u0146em\u0161an\u0101 un apsprie\u0161an\u0101, turkl\u0101t Latvijas sabiedr\u012bba l\u012bdz ar to visp\u0101r nevar tikt iesaist\u012bta!\u201d <\/strong>neapmierin\u0101t\u012bbu pau\u017e J. \u0100boli\u0146\u0161.<\/p>\n

Sakar\u0101 ar \u0161o Latvijas kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cija ceturtdien, 12. febru\u0101r\u012b, plkst. 8.15 r\u012bkos sapulci pie Saeimas \u0113kas, lai paustu savu viedokli par MNL pie\u0146em\u0161anu un k\u0101rt\u0113jo groz\u012bjumu veik\u0161anu.<\/strong> Tie\u0161i 12.\u00a0febru\u0101r\u012b MNL atkal tiks atv\u0113rts izskat\u012b\u0161anai, un jau 26. febru\u0101r\u012b tas ir j\u0101pie\u0146em.<\/p>\n

Ikviens akt\u012bvists un kred\u012btu gr\u016bt\u012bb\u0101s non\u0101ku\u0161\u0101s personas aicin\u0101tas piedal\u012bties piket\u0101, lai paustu ar\u012b savu nost\u0101ju \u0161aj\u0101 jaut\u0101jum\u0101!<\/strong><\/p>\n

Tiekamies ceturtdien plkst. 8.15 R\u012bg\u0101, J\u0113kaba iel\u0101 11.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jau zi\u0146ots, ka \u0161\u012b gada 1. mart\u0101 pl\u0101nota Maks\u0101tnesp\u0113jas likuma (MNL) groz\u012bjumu, kas pie\u0146emti pag\u0101ju\u0161\u0101 gada septembr\u012b, st\u0101\u0161an\u0101s sp\u0113k\u0101. Redakcija,<\/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-399","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\/399","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=399"}],"version-history":[{"count":4,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/399\/revisions"}],"predecessor-version":[{"id":403,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/399\/revisions\/403"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=399"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=399"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}