{"id":422,"date":"2015-02-23T17:06:47","date_gmt":"2015-02-23T17:06:47","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=422"},"modified":"2015-02-23T17:07:48","modified_gmt":"2015-02-23T17:07:48","slug":"ievies-nolikto-atslegu-principu-ka-izveles-iespeju-19-02-2015","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=422","title":{"rendered":"Ievie\u0161 \u00abnolikto atsl\u0113gu\u00bb principu k\u0101 izv\u0113les iesp\u0113ju (19.02.2015.)"},"content":{"rendered":"<p><strong>Saeima ceturtdien, otraj\u0101 gal\u012bgaj\u0101 las\u012bjum\u0101 k\u0101 steidzamus atbalst\u012bja groz\u012bjumus vair\u0101kos likumos, kas paredz t\u0101 d\u0113v\u0113to nolikto atsl\u0113gu principu ietvert pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas regul\u0113jum\u0101 un izsl\u0113gt no maks\u0101tnesp\u0113jas regul\u0113juma, padarot \u0161o principu par izv\u0113les iesp\u0113ju, nevis oblig\u0101tu pien\u0101kumu. Kred\u012bta \u0146\u0113m\u0113jiem j\u0101r\u0113\u0137in\u0101s, ka \u0161\u0101da iesp\u0113ja ar\u012b maks\u0101s d\u0101rg\u0101k.<\/strong><\/p>\n<p>Groz\u012bjumi Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 paredz ieviest nosac\u012bjumu, ka bank\u0101m par nekustam\u0101 \u012bpa\u0161uma ieg\u0101di b\u016bs j\u0101pied\u0101v\u0101 kred\u012bt\u0146\u0113m\u0113jiem divi da\u017e\u0101di kred\u012bta l\u012bgumi, no kuriem vienam j\u0101b\u016bt ar \u201enolikto atsl\u0113gu\u201d principu, t\u0101d\u0113j\u0101di radot aiz\u0146\u0113m\u0113jam izv\u0113les ties\u012bbas.<\/p>\n<p><strong><a href=\"http:\/\/s2.lsm.lv\/media\/9\/3\/836e.mp3\">KLAUSIES \u0160EIT!<\/a><\/strong><\/p>\n<p><!--more--><\/p>\n<p>Savuk\u0101rt Maks\u0101tnesp\u0113jas likuma groz\u012bjumi paredz no regul\u0113juma ne tikai izsl\u0113gt \u201enolikto atsl\u0113gu\u201d principu, bet ar\u012b izmai\u0146as fizisk\u0101s personas par\u0101du dz\u0113\u0161anas termi\u0146os.<\/p>\n<p><strong>Saist\u012bbu dz\u0113\u0161anas termi\u0146\u0161 b\u016bs viens gads, ja par\u0101dnieka kop\u0113j\u0101s saist\u012bbas p\u0113c bankrota proced\u016bras pabeig\u0161anas nep\u0101rsniedz 30 000 eiro; divi gadi, ja saist\u012bbas ir no 30 001 eiro l\u012bdz 150 000 eiro un tr\u012bs gadi no saist\u012bbu dz\u0113\u0161anas proced\u016bras pasludin\u0101\u0161anas dienas, ja saist\u012bbas p\u0101rsniedz 150 000 eiro.<\/strong><\/p>\n<p>Savuk\u0101rt saist\u012btie groz\u012bjumi iedz\u012bvot\u0101ju ien\u0101kuma nodok\u013ca likum\u0101 un uz\u0146\u0113mumu ien\u0101kuma nodok\u013ca likum\u0101 paredz, ka aizdev\u0113jam un ar\u012b aiz\u0146\u0113m\u0113jam ar ien\u0101kuma nodokli neapliek izdevumus, kas saist\u012bti ar kred\u012bta saist\u012bbu samazin\u0101\u0161anu vai dz\u0113\u0161anu.<\/p>\n<p><strong>Izmai\u0146as likumos st\u0101sies sp\u0113k\u0101 \u0161\u012b gada 1.mart\u0101.<\/strong><\/p>\n<p>Deput\u0101ti iepriek\u0161 bija l\u0113mu\u0161i, ka Maks\u0101tnesp\u0113jas likuma groz\u012bjumi, kas paredz t\u0101 d\u0113v\u0113t\u0101 nolikto atsl\u0113gu principa ievie\u0161anu, st\u0101sies sp\u0113k\u0101 1.mart\u0101. \u0160is princips noz\u012bm\u0113tu, ka, p\u0101rdodot mantu, kas kalpojusi k\u0101 nodro\u0161in\u0101jums, atliku\u0161\u0101s par\u0101dnieka saist\u012bbas l\u012bdz ar izsoles akta apstiprin\u0101\u0161anu tiktu dz\u0113stas. \u0160\u0101da k\u0101rt\u012bba attiektos tikai uz gad\u012bjumiem, kad par\u0101dnieka maks\u0101tnesp\u0113jas proces\u0101 tiktu p\u0101rdots vi\u0146a vien\u012bgais m\u0101joklis, un neb\u016btu ar atpaka\u013cejo\u0161u sp\u0113ku.<\/p>\n<p>\u201eNolikto atsl\u0113gu\u201d principa oblig\u0101tu ievie\u0161anu kritiz\u0113ja gan Valsts prezidents, gan komercbankas, kas nor\u0101d\u012bja \u2013 t\u0101m palielin\u0101sies risks kredit\u0113\u0161an\u0101, t\u0101p\u0113c kred\u012btu pieejam\u012bba m\u0101jsaimniec\u012bb\u0101m samazin\u0101sies. P\u0113c konsult\u0101cij\u0101m ar Latvijas Banku un Latvijas Komercbanku asoci\u0101ciju koal\u012bcijas p\u0101rst\u0101vji Saeim\u0101 iesniedza ceturtdien pie\u0146emto groz\u012bjumu paketi, lai gan da\u013ca to deput\u0101tu iepriek\u0161 balsoja par \u201enoliktaj\u0101m atsl\u0113g\u0101m\u201d. To piemin\u0113ja ar\u012b opoz\u012bcija, piem\u0113ram, Andrejs Elksni\u0146\u0161 (\u201eSaska\u0146a\u201d). \u201eEs ar\u012b redzu tos centienus, k\u0101 j\u016bs m\u0113\u0123iniet laipot \u0161aj\u0101 situ\u0101cij\u0101, bet es jums atg\u0101din\u0101\u0161u tos v\u0101rdus, ko j\u016bs teic\u0101t \u2013 \u201eM\u0113s, Nacion\u0101l\u0101 apvien\u012bba, dar\u012bsim visu, lai tie groz\u012bjumi, kuri ir pie\u0146emti 2014. gada oktobr\u012b attiec\u012bb\u0101 uz Maks\u0101tnesp\u0113jas likumu gan par \u201enolikto atsl\u0113gu\u201d principu, gan par samazin\u0101tiem \u201everdz\u012bbas\u201d termi\u0146iem \u2013 st\u0101tos sp\u0113k\u0101\u201d Tie ir j\u016bsu v\u0101rdi. \u0160odien es varu teikt! J\u016bs neesat Nacion\u0101l\u0101 apvien\u012bba, j\u016bs esat Pievilto cer\u012bbu partija,\u201d teica Elksni\u0146\u0161.<\/p>\n<p>Nacion\u0101l\u0101s apvien\u012bbas (NA) frakcijas vad\u012bt\u0101js Gaidis B\u0113rzi\u0146\u0161 \u0161iem p\u0101rmetumiem gan nepiekrita. \u201eEs nekad neesmu norobe\u017eojies no \u0161\u012b viedok\u013ca, un ar\u012b \u0161obr\u012bd uzskatu, ka \u0161is princips ir iesp\u0113jams. Ta\u010du juristi zina, ka \u0161o principu var iestr\u0101d\u0101t ar\u012b cit\u0101 likum\u0101 un cit\u0101 regul\u0113jum\u0101. Es ar\u012b esmu izv\u0113l\u0113jies, ka \u0161is likums b\u016btu iek\u013caujams Pat\u0113r\u0113t\u0101ju aizsardz\u012bbas likum\u0101. Protams, likumdo\u0161anas procesa rezult\u0101ts n\u0101kotn\u0113 b\u016btu izv\u0113rt\u0113jams (..),\u201d atteica B\u0113rzi\u0146\u0161.<\/p>\n<p>Piemin\u0113taj\u0101 Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 Saeimas vair\u0101kums ceturtdien atbalst\u012bja \u0161\u0101dus groz\u012bjumus: \u201eKred\u012bta dev\u0113jam p\u0113c kred\u012bta piepras\u012bjuma sa\u0146em\u0161anas no pat\u0113r\u0113t\u0101ja ir pien\u0101kums pied\u0101v\u0101t vi\u0146am izv\u0113lei vismaz divus at\u0161\u0137ir\u012bgus kred\u012bta l\u012bguma noteikumus, no kuriem viens paredz, ka nekustamais \u012bpa\u0161ums, kura ieg\u0101dei tiek \u0146emts kred\u012bts, kalpo par pietiekamu nodro\u0161in\u0101jumu tam, lai saist\u012bbas pret kred\u012bta dev\u0113ju var\u0113tu tikt dz\u0113stas piln\u0101 apjom\u0101.\u201d<\/p>\n<p>Pret \u0161\u0101du redakciju iebilda Ivars Zari\u0146\u0161 (\u201eSaska\u0146a\u201d). \u201e\u0160\u0101da panta redakcija pat\u0113r\u0113t\u0101jam paties\u012bb\u0101 nenodro\u0161in\u0101s nek\u0101das izv\u0113les iesp\u0113jas. Tie\u0161i \u0161\u0101du redakciju j\u016bs esat iestr\u0101d\u0101ju\u0161i, nevis, lai dotu iesp\u0113ju pat\u0113r\u0113t\u0101jam izv\u0113l\u0113ties, bet gan, lai dotu bank\u0101m iesp\u0113ju \u012bstenot sev \u0113rtu kred\u012btpolitiku. Pirmk\u0101rt, ar\u012b l\u012bdz \u0161im bank\u0101m bija izv\u0113les iesp\u0113jas veidot \u0161\u0101du kred\u012btpolitiku. Bija pat atsevi\u0161\u0137as bankas, kas to dar\u012bja. Otrk\u0101rt, nosac\u012bjumi var b\u016bt da\u017e\u0101di. Un objekt\u012bvu iemeslu d\u0113\u013c tie var b\u016bt da\u017e\u0101di. Jaut\u0101jums \u2013 cik tas ir pamatoti?\u201d retoriski vaic\u0101ja opoz\u012bcijas deput\u0101ts.<\/p>\n<p>Savuk\u0101rt K\u0101rlis \u0160adurskis (\u201eVienot\u012bba\u201d) uzsv\u0113ra \u2013 rad\u012bt izv\u0113les iesp\u0113ju ir \u013coti b\u016btiski. \u201eZari\u0146a kungs! Ja m\u0113s neatbalst\u0101m \u0161o priek\u0161likumu, tad kredit\u0113\u0161anas, hipotek\u0101r\u0101s kredit\u0113\u0161anas, Latvij\u0101 nav visp\u0101r. (&#8230;) Un, protams, ka katrs tirgot\u0101js savai precei var noteikt t\u0101du cenu, k\u0101 vi\u0146\u0161 to grib dar\u012bt. Un Latvijas likumdev\u0113ja rok\u0101s nav neviena instrumenta, kas var\u0113tu dikt\u0113t komercbank\u0101m, k\u0101dai j\u0101b\u016bt pirmajai iemaksai, k\u0101diem j\u0101b\u016bt kred\u012btprocentiem. Piedodiet Zari\u0146a kungs, visu to nosaka tikai un vien\u012bgi tirgus,\u201d ar Zari\u0146u argument\u0113ja \u0160adurskis.<\/p>\n<p>Jau v\u0113st\u012bts, ka saska\u0146\u0101 ar nekustamo \u012bpa\u0161umu nozares speci\u0101listu teikto Saeimas septembr\u012b pie\u0146emtais l\u0113mums par \u201enolikto atsl\u0113gu\u201d principa ievie\u0161anu jau tagad negat\u012bvi ietekm\u0113 nekustamo \u012bpa\u0161umu tirgu.<\/p>\n<p>Saeima iepriek\u0161 nol\u0113ma l\u012bdz martam atlikt groz\u012bjumus Maks\u0101tnesp\u0113jas likum\u0101, kas paredz t\u0101 d\u0113v\u0113t\u0101 \u201cnolikto atsl\u0113gu&#8221; principa ievie\u0161anu. Saeima septembra nogal\u0113, neilgi pirms v\u0113l\u0113\u0161an\u0101m nobalsoja par \u201enolikto atsl\u0113gu&#8221; principu &#8211; tas noz\u012bm\u0113, ka par\u0101dniekam p\u0113c nodro\u0161in\u0101juma mantas p\u0101rdo\u0161anas vairs neb\u016bs nek\u0101du saist\u012bbu pret kreditoru.<\/p>\n<p>P\u0113c \u0161\u0101da Saeimas l\u0113muma &#8220;Swedbank&#8221; un &#8220;SEB banka&#8221; pazi\u0146oju\u0161as, ka aptur dal\u012bbu valsts programm\u0101 \u0123imen\u0113m m\u0101jok\u013ca ieg\u0101dei, bet Latvijas Banka br\u012bdin\u0101ja par kredit\u0113\u0161anas tempu samazin\u0101\u0161anos un kred\u012btu pieejam\u012bbas probl\u0113m\u0101m.<\/p>\n<p>&nbsp;<\/p>\n<p>Avots:\u00a0<a href=\"http:\/\/www.lsm.lv\/lv\/raksts\/ekonomika\/zinas\/ieviesh-nolikto-atslegu-principu-ka-izveles-iespeju.a118477\/\">www.lsm.lv\u00a0<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saeima ceturtdien, otraj\u0101 gal\u012bgaj\u0101 las\u012bjum\u0101 k\u0101 steidzamus atbalst\u012bja groz\u012bjumus vair\u0101kos likumos, kas paredz t\u0101 d\u0113v\u0113to nolikto atsl\u0113gu principu ietvert pat\u0113r\u0113t\u0101ju<\/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-422","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\/422","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=422"}],"version-history":[{"count":2,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/422\/revisions"}],"predecessor-version":[{"id":424,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/422\/revisions\/424"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=422"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=422"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}