Dana (v\u0101rds main\u012bts) ir jauna sieviete, kas izg\u0101ja cauri \u013coti smagam p\u0101rbaud\u012bjumam – vi\u0146a non\u0101ca pamat\u012bg\u0101s finan\u0161u gr\u016bt\u012bb\u0101s un nesp\u0113ja atmaks\u0101t kred\u012btu. Tr\u012bs b\u0113rnu m\u0101mi\u0146ai kl\u0101j\u0101s \u013coti smagi, bet vi\u0146a nol\u0113ma nepadoties. Tagad, kad person\u012bg\u0101s maks\u0101tnesp\u0113jas process ir gandr\u012bz gal\u0101, sievietei joproj\u0101m ir skumji, ka da\u013ca Latvij\u0101 dz\u012bvojo\u0161o un str\u0101d\u0101jo\u0161o cilv\u0113ki nevar at\u013cauties ieg\u0101d\u0101ties savu mitekli. Dana intervij\u0101 port\u0101lam TVNET neraud un ne\u017e\u0113lojas par savu situ\u0101ciju, bet notiku\u0161o sauc par smagu pieredzi.<\/p>\n
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Jau pa\u0161\u0101 sarunas s\u0101kum\u0101 Dana akcent\u0113, ka kred\u012bt\u0146\u0113m\u0113jiem, kuri non\u0101ku\u0161i par\u0101dos, neb\u016btu j\u0101kaunas par piedz\u012bvoto situ\u0101ciju, jo neviens cilv\u0113ks nevar paredz\u0113t, kas dz\u012bv\u0113 notiks.<\/p>\n
S\u0101kum\u0101 g\u0101ja gludi<\/strong><\/p>\n Vi\u0146as pieredze ar kred\u012btiem s\u0101k\u0101s 2006.gad\u0101, kad bija iesp\u0113ja ieg\u0101d\u0101ties pla\u0161\u0101ku dz\u012bvokli. Tobr\u012bd vi\u0146ai bija viens nekustamais \u012bpa\u0161ums, kuru vi\u0146a ie\u0137\u012bl\u0101ja, lai var\u0113tu nopirkt liel\u0101ku dz\u012bvokli. N\u0101kamos divus gadus Dana veiksm\u012bgi un bez probl\u0113m\u0101m maks\u0101ja ikm\u0113ne\u0161a r\u0113\u0137inus, bet sare\u017e\u0123\u012bjumi s\u0101k\u0101s br\u012bd\u012b, kad s\u0101ka samazin\u0101t algas (l\u012bdz pat 50%).<\/p>\n Saprotot, ka non\u0101kusi finan\u0161u gr\u016bt\u012bb\u0101s un nesp\u0113s nor\u0113\u0137in\u0101ties par aptuveni 70 t\u016bksto\u0161iem latu, ko aiz\u0146\u0113musies, Dana dev\u0101s uz bank\u0101m, lai run\u0101tu par iesp\u0113j\u0101m, piem\u0113ram, kred\u012btbr\u012bvdien\u0101m. Vienu dz\u012bvokli sieviete grib\u0113ja p\u0101rdot, bet, strauji mainoties nekustamo \u012bpa\u0161umu tirgus situ\u0101cijai, banka to ne\u013c\u0101va. Citu iekr\u0101jumu Danai nebija.\u00a0Banka pied\u0101v\u0101ja savu risin\u0101jumu, bet Dana saprata, ka tas paredz v\u0113l liel\u0101kus maks\u0101jumus.\u00a0Mekl\u0113jot iesp\u0113jas risin\u0101t situ\u0101ciju, Dana s\u0101ka dom\u0101t par person\u012bg\u0101s maks\u0101tnesp\u0113jas procesu. Tas izr\u0101d\u012bj\u0101s gr\u016bts, it sevi\u0161\u0137i s\u0101kum\u0101, kad process bija neizdev\u012bgs kred\u012bt\u0146\u0113m\u0113jam – bija sal\u012bdzino\u0161i lieli izdevumi.<\/p>\n Labi, ka Maks\u0101tnesp\u0113jas likums main\u012bj\u0101s par labu kred\u012bt\u0146\u0113m\u0113jam. Bet ar\u012b tad vi\u0146ai izdev\u0101s p\u0101rliecin\u0101t tiesu s\u0101kt lietu tikai ar vair\u0101kiem m\u0113\u0123in\u0101jumiem.\u00a0Tikai ar piekto reizi tiesa atzina Danu par maks\u0101tnesp\u0113j\u012bgu personu un vi\u0146a var\u0113ja s\u0101kt maks\u0101tnesp\u0113jas procesu.\u00a0Tagad tas ir gandr\u012bz beidzies.<\/p>\n Vai \u0146emtu kred\u012btu v\u0113lreiz?<\/strong><\/p>\n Dana piln\u012bb\u0101 izprot jaun\u0101s \u0123imenes, kas \u0146em kred\u012btus, jo v\u0113las dz\u012bvot atsevi\u0161\u0137i no vec\u0101kiem, bet kuriem nav adekv\u0101tu algu, lai ieg\u016btu nekustamo \u012bpa\u0161umu cit\u0101 ce\u013c\u0101. Vi\u0146a pati jaunu kred\u012btu \u0146emtu tikai tad, ja zin\u0101tu, ka kr\u012bzes situ\u0101cij\u0101 ir pasarg\u0101ta, piem\u0113ram, b\u016btu garant\u0113ta atvieglota maks\u0101\u0161ana vai valsts atbalsts \u0123imen\u0113m ar b\u0113rniem.<\/p>\n Ta\u010du \u0161aj\u0101 situ\u0101cij\u0101, kad darba tirgus \u013coti strauji main\u0101s, vi\u0146a laikam ne\u0146emtu kred\u012btu. Pat ja vi\u0146a aiz\u0146emtos, tas notiktu stingr\u0101 juristu uzraudz\u012bb\u0101. Vi\u0146a netic eso\u0161ajai kredit\u0113\u0161anas sist\u0113mai.<\/p>\n Palika dz\u012bvot Latvij\u0101<\/strong><\/p>\n Dana atceras br\u012bdi, kad vi\u0146ai at\u0146\u0113ma dz\u012bvokli un vi\u0146ai nebija, kur dz\u012bvot. Taj\u0101 br\u012bd\u012b vi\u0146ai bija j\u0101mekl\u0113 \u012bres dz\u012bvoklis.\u00a0Sieviete ar tr\u012bs b\u0113rniem bija spiesta p\u0101rv\u0101kties dz\u012bvot \u0101rpus R\u012bgas.\u00a0Daudzi vi\u0146as pazi\u0146as l\u012bdz\u012bg\u0101 situ\u0101cij\u0101 aizbrauca no Latvijas. Danai ir smagi apzin\u0101ties, ka Latvij\u0101 dz\u012bvojo\u0161i un str\u0101d\u0101jo\u0161i cilv\u0113ki nevar nopeln\u012bt tik daudz, lai ieg\u0101d\u0101tos savu mitekli, un nav dro\u0161i par savu n\u0101kotni.<\/p>\n Notieko\u0161o p\u0101rdz\u012bvoja ne tikai pati sieviete, bet ar\u012b vi\u0146as b\u0113rni. Lai neizsauktu neg\u0101cijas pret vi\u0146iem, \u0123imene cent\u0101s \u012bpa\u0161i neafi\u0161\u0113t, ka mammai ir finansi\u0101las probl\u0113mas. Vi\u0146a nev\u0113l\u0113j\u0101s, lai b\u0113rniem n\u0101ktos saskarties ar stereotipu, ka maks\u0101tnesp\u0113j\u012bgs cilv\u0113ks ir neveiksminieks. Vi\u0146i cent\u0101s koncentr\u0113ties uz pozit\u012bvo un nezaud\u0113t cilv\u0113cisk\u0101s v\u0113rt\u012bbas.<\/p>\n Ne vienm\u0113r adekv\u0101ta attieksme<\/strong><\/p>\n Dana ar\u012b velta nosodo\u0161us v\u0101rdus atsevi\u0161\u0137iem maks\u0101tnesp\u0113jas proces\u0101 iesaist\u012btajiem cilv\u0113kiem, piem\u0113ram, sieviete ar diviem dz\u012bvok\u013ciem tika uzskat\u012bta par spekulanti, k\u0101 ar\u012b\u00a0maks\u0101tnesp\u0113jas procesa laik\u0101, kad vi\u0146a gaid\u012bja tre\u0161o b\u0113rni\u0146u, vi\u0146u uzskat\u012bja par negat\u012bvu maks\u0101t\u0101ju.<\/p>\n P\u0113c notiku\u0161\u0101 Danai ir vair\u0101kas atzi\u0146as – nepadoties, nenok\u0101rt galvu, nenosod\u012bt sevi un apk\u0101rt\u0113jos, k\u0101 ar\u012b piln\u012bb\u0101 izlas\u012bt l\u012bgumu noteikumus (ar\u012b s\u012bk\u0101 druk\u0101 rakst\u012bto tekstu).\u00a0\u0145emot v\u0113r\u0101 visu p\u0101rdz\u012bvoto, Danai ir visai tie\u0161s v\u0113rt\u0113jums par \u0101trajiem kred\u012btiem.\u00a0Pieredz\u0113jus\u012b sieviete \u0101tros kred\u012btus uzskata par slazdu, no k\u0101 iesaka izvair\u012bties.\u00a0Vi\u0146a uzskata, ka da\u017eu simtu eiro d\u0113\u013c nevajag boj\u0101t dz\u012bvi un nervus.<\/p>\n