{"id":475,"date":"2015-07-31T08:19:24","date_gmt":"2015-07-31T08:19:24","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=475"},"modified":"2015-07-31T08:19:24","modified_gmt":"2015-07-31T08:19:24","slug":"vienosanas-ar-bankam-par-maksatnespejas-procesa-neuzsaksanu-nereti-noved-pie-paradsaistibam-pret-vid","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=475","title":{"rendered":"Vieno\u0161an\u0101s ar bank\u0101m par maks\u0101tnesp\u0113jas procesa neuzs\u0101k\u0161anu nereti noved pie par\u0101dsaist\u012bb\u0101m pret VID."},"content":{"rendered":"<p><strong>Arvien bie\u017e\u0101k komercbankas saviem par\u0101dniekiem pied\u0101v\u0101 vieno\u0161anos par par\u0101da norakst\u012b\u0161anu un maks\u0101juma grafika izveidi, lai netiktu uzs\u0101kts maks\u0101tnesp\u0113jas process. Tom\u0113r par\u0101dnieki nezina, ka, \u0161\u0101d\u0101 veid\u0101 dz\u0113\u0161ot par\u0101du, VID (Valsts ie\u0146\u0113mumu dienests) apliek dz\u0113sto summu ar 15% iedz\u012bvot\u0101ju ie\u0146\u0113muma nodokli, k\u0101 rezult\u0101t\u0101 \u0161\u0101das vieno\u0161an\u0101s ar banku nereti noved pie jaun\u0101m par\u0101dsaist\u012bb\u0101m attiec\u012bb\u0101 pret valsti.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>&nbsp;<\/p>\n<p>Kop\u0161 2015. gada 1. marta, kad st\u0101j\u0101s sp\u0113k\u0101 jaunie likuma groz\u012bjumi maks\u0101tnesp\u0113jas proces\u0101, komercbankas akt\u012bvi pied\u0101v\u0101 par\u0101dniekiem vieno\u0161anos, lai dz\u0113stu par\u0101dsaist\u012bbas, norakstot par\u0101da starp\u012bbu, par kuru banka zi\u0146o VID. Valsts ie\u0146\u0113mumu dienests \u0161\u0101du norakst\u012b\u0161anu trakt\u0113 k\u0101 d\u0101vin\u0101jumu, kura summa tiek aplikta ar 15% iedz\u012bvot\u0101ju ie\u0146\u0113mumu nodokli, ja vien par\u0101da summa netiek dz\u0113sta laika posm\u0101 no 2011. gada 1. janv\u0101ra l\u012bdz 2016. gada 31. decembrim un tiek izpild\u012bti visi zem\u0101k min\u0113tie punkti:<\/p>\n<ul>\n<li>\u0160is kred\u012bts ir nodro\u0161in\u0101ts ar nekustam\u0101 \u012bpa\u0161uma \u0137\u012blu;<\/li>\n<li>Cilv\u0113ks ir uz\u0146\u0113mies saist\u012bbas, nol\u016bku nodro\u0161in\u0101t sevi vai savu \u0123imeni ar dz\u012bvo\u0161anai paredz\u0113to dz\u012bvojamo nekustamo \u012bpa\u0161umu vai izmantojot \u0161o \u012bpa\u0161uma aizdevumu \u012bpa\u0161uma rekonstrukcijai vai uzlabo\u0161anai;<\/li>\n<li>Uz saist\u012bbas samazin\u0101\u0161anas dienu cilv\u0113ka \u012bpa\u0161um\u0101 ir ne vair\u0101k k\u0101 viens nekustamais \u012bpa\u0161ums, kura lieto\u0161anas veids ir dz\u012bvo\u0161ana;<\/li>\n<li>Ien\u0101kuma guv\u0113js nav bijis saist\u012bb\u0101 ar uz\u0146\u0113mumu, kur\u0161 ir izsniedzis \u0161o kred\u012btu;<\/li>\n<li>Aizdev\u0113ju ar aiz\u0146\u0113m\u0113ju nesaista laul\u012bba.<\/li>\n<\/ul>\n<p>\u201eJa nav iesp\u0113jas izpild\u012bt visus piecus punktus, tad vieno\u0161an\u0101s ar banku zaud\u0113 savu j\u0113gu, jo nereti norakst\u0101m\u0101s summas ir m\u0113rojamas no 20 l\u012bdz 80 t\u016bksto\u0161iem, un attiec\u012bb\u0101 pret aplikto 15% nodokli papildus valstij ir j\u0101nomaks\u0101 pr\u0101va naudas summa. Aiz\u0146\u0113m\u0113js, balstoties uz vieno\u0161anos, ir nomaks\u0101jis bankai ar\u012b l\u012bdzv\u0113rt\u012bgu naudas summu maks\u0101tnesp\u0113jas procesam un ieguvis jaunu kreditoru \u2013 VID. Nereti person\u0101m ir ar\u012b citas summ\u0101ri pietiekami lielas saist\u012bbas k\u0101 nenodro\u0161in\u0101tie kred\u012bti \u2013 kred\u012btkartes, overdrafti, galvojumi citam person\u0101m, kad nav izdev\u012bgi vienoties ar banku par hipotek\u0101r\u0101 kred\u012bta dz\u0113\u0161anu un izt\u0113r\u0113t naudu, kas ir l\u012bdzv\u0113rt\u012bgs maks\u0101tnesp\u0113jas procesam, ja paliek v\u0113l citas par\u0101dsaist\u012bbas, kuras ar\u012b ir iesp\u0113jams dz\u0113st maks\u0101tnesp\u0113jas proces\u0101,\u201d skaidro Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas p\u0101rst\u0101vis Aivars Rudi.<\/p>\n<p>Kred\u012bt\u0146\u0113m\u0113ju konsult\u0101cijas centra (<a href=\"http:\/\/www.kreditnemejs.lv\/\">www.kreditnemejs.lv<\/a>) speci\u0101listi pal\u012bdz\u0113s izv\u0113rt\u0113t J\u016bsu situ\u0101ciju un ieteiks lab\u0101kos veidus, k\u0101 atrisin\u0101t J\u016bsu par\u0101dsaist\u012bbas. Speci\u0101listi pal\u012bdz\u0113s sagatavot dokumentus un inform\u0101ciju, lai J\u016bs sp\u0113tu vienoties ar bank\u0101m par 30% l\u012bdz 80% zem\u0101kiem maks\u0101jumiem vai ieteiks tie\u0161i Jums nepiecie\u0161amo risin\u0101jumu. Konsult\u0101cijas cena \u2013 20.00 EUR.<\/p>\n<p><strong>Papildus inform\u0101cija:<\/strong><\/p>\n<p>Oskars \u0160\u013cakota<\/p>\n<p>T\u0101lr.:(+371) 27702473, e-pasts: oskars@piraija.lv<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Arvien bie\u017e\u0101k komercbankas saviem par\u0101dniekiem pied\u0101v\u0101 vieno\u0161anos par par\u0101da norakst\u012b\u0161anu un maks\u0101juma grafika izveidi, lai netiktu uzs\u0101kts maks\u0101tnesp\u0113jas process. Tom\u0113r<\/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],"tags":[],"class_list":["post-475","post","type-post","status-publish","format-standard","hentry","category-jaunumi","category-maksatnespeja"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/475","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=475"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/475\/revisions"}],"predecessor-version":[{"id":476,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/475\/revisions\/476"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}