Bankas p\u0113d\u0113j\u0101 laik\u0101 arvien bie\u017e\u0101k pied\u0101v\u0101 aiz\u0146\u0113m\u0113ju galvot\u0101jiem, kuri ir maks\u0101tnesp\u0113jas proces\u0101 vai ir izp\u0101rdevu\u0161i \u0137\u012blas, vienoties par par\u0101du dz\u0113\u0161anu. Vai tas ir lab\u0101kais finansi\u0101lais variants galvot\u0101jam?<\/p>\n
\u201cM\u016bsu pieredze r\u0101da, ka tikai katram otrajam tas patie\u0161\u0101m ir izdev\u012bgi. Bankas nor\u0101da, ka galvot\u0101js ir t\u0101ds pats par\u0101dnieks k\u0101 aiz\u0146\u0113m\u0113js un pat, ja aiz\u0146\u0113m\u0113js ir uzs\u0101cis maks\u0101tnesp\u0113jas procesu, tas tik un t\u0101 neatbr\u012bvo galvot\u0101ju no vi\u0146a par\u0101dsaist\u012bb\u0101m. Tom\u0113r no tiesisk\u0101 viedok\u013ca tas v\u0113l nav zin\u0101ms, vai galvot\u0101js ir vai nav par\u0101dnieks bankai, jo, l\u012bdz nav sa\u0146emts Latvijas Republikas Augst\u0101k\u0101s Tiesas l\u0113mums par to, vai galvot\u0101ja finansi\u0101l\u0101s saist\u012bbas pret banku tiks vai netiks dz\u0113stas l\u012bdz ar aiz\u0146\u0113m\u0113ja saist\u012bb\u0101m, varam tikai spekul\u0113t. T\u0101p\u0113c iesak\u0101m \u013coti r\u016bp\u012bgi izv\u0113rt\u0113t visas pied\u0101v\u0101t\u0101s vieno\u0161an\u0101s un, pirms atsaukties bankas pied\u0101v\u0101jumam, apzin\u0101t visus iesp\u0113jamos risin\u0101jumus,\u201d nor\u0101da Kred\u012bt\u0146\u0113m\u0113ju konsult\u0101cijas centra p\u0101rst\u0101vis Aivars Rudi.<\/p>\n
<\/p>\n
Vi\u0146\u0161 nor\u0101da, ka svar\u012bgi ir izzin\u0101t visus riskus un visus iesp\u0113jamos scen\u0101rijus. Galvot\u0101jam ir tr\u012bs iesp\u0113jamie r\u012bc\u012bbas scen\u0101riji, kad ir uzs\u0101kts aiz\u0146\u0113m\u0113ja maks\u0101tnesp\u0113jas process: pirmais \u2013 gaid\u012bt Augst\u0101k\u0101s Tiesas l\u0113mumu, kad maks\u0101tnesp\u0113jas process b\u016bs nosl\u0113dzies, iesp\u0113jams, galvot\u0101ja saist\u012bbas tiks izbeigtas l\u012bdz ar aiz\u0146\u0113m\u0113ja saist\u012bb\u0101m; otrais \u2013 vienoties ar banku, pie\u0146emt bankas pied\u0101v\u0101jumu un izpirkt savas galvojuma saist\u012bbas; tre\u0161ais \u2013 pa\u0161am galvot\u0101jam uzs\u0101kt savu maks\u0101tnesp\u0113jas procesu, ja tas ir nepiecie\u0161ams.<\/p>\n
Bankas pied\u0101v\u0101 galvot\u0101jiem dz\u0113st savas saist\u012bbas par summu, kas ir l\u012bdzv\u0113rt\u012bga maks\u0101tnesp\u0113jas procesa izmaks\u0101m, iesp\u0113jams, pat tiek dz\u0113sta milz\u012bga summa, bet, piem\u0113ram, ja galvot\u0101jam ir vair\u0101kas par\u0101dsaist\u012bbas ar\u012b pret cit\u0101m bank\u0101m vai nebanku iest\u0101d\u0113m, tad ir j\u0101skata \u0161is kop\u0113jais par\u0101da slogs un kop\u0113j\u0101s galvot\u0101ja izmaksas, vienojoties ar katru iesaist\u012bto pusi.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankas p\u0113d\u0113j\u0101 laik\u0101 arvien bie\u017e\u0101k pied\u0101v\u0101 aiz\u0146\u0113m\u0113ju galvot\u0101jiem, kuri ir maks\u0101tnesp\u0113jas proces\u0101 vai ir izp\u0101rdevu\u0161i \u0137\u012blas, vienoties par par\u0101du dz\u0113\u0161anu.<\/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-490","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\/490","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=490"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/490\/revisions"}],"predecessor-version":[{"id":491,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/490\/revisions\/491"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}