{"id":515,"date":"2017-11-10T14:16:32","date_gmt":"2017-11-10T14:16:32","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=515"},"modified":"2017-11-10T14:16:32","modified_gmt":"2017-11-10T14:16:32","slug":"apmeram-250-000-kreditnemeju-ilgstosi-kave-parada-atdosanu","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=515","title":{"rendered":"Apm\u0113ram 250 000 kred\u012bt\u0146\u0113m\u0113ju ilgsto\u0161i kav\u0113 par\u0101da atdo\u0161anu"},"content":{"rendered":"<section class=\"article-body article-body--lead\" style=\"font-weight: bold; color: #3c3c3c;\">\n<p style=\"font-weight: inherit; color: #3c3c3c;\">Ceturt\u0101 da\u013ca Latvijas kred\u012bt\u0146\u0113m\u0113ju jeb 149,2 t\u016bksto\u0161i iedz\u012bvot\u0101ju vair\u0101k nek\u0101 60 dienas kav\u0113ju\u0161i bank\u0101s izsniegto kred\u012btu maks\u0101jumus. V\u0113l ir apm\u0113ram 100 t\u016bksto\u0161i iedz\u012bvot\u0101ju, kas vair\u0101k nek\u0101 divus m\u0113ne\u0161us kav\u0113ju\u0161i maks\u0101jumus nebanku sektora kredit\u0113t\u0101jiem \u2013 visbie\u017e\u0101k t\u0101 saucamo \u0101tro kred\u012btu izsniedz\u0113jiem.<\/p>\n<\/section>\n<section class=\"article-body\">\n<p style=\"color: #3c3c3c;\">Oktobr\u012b Tiesu administr\u0101cijas projekta \u00abJust\u012bcija att\u012bst\u012bbai\u00bb ietvaros Latvij\u0101 risin\u0101j\u0101s Starptautisk\u0101 val\u016btas fonda (SVF) nov\u0113rt\u0113\u0161anas viz\u012bte. Tiekoties ar Latvijas Tieslietu ministrijas, tiesu, advok\u0101tu, komercbanku, darba dev\u0113ju un kred\u012bt\u0146\u0113m\u0113ju p\u0101rst\u0101vjiem, SVF m\u0113r\u0137is bija izzin\u0101t eso\u0161o situ\u0101ciju Latvijas maks\u0101tnesp\u0113jas jom\u0101, uzklaus\u012bt ekspertu priek\u0161likumus par nepiecie\u0161amiem uzlabojumiem maks\u0101tnesp\u0113jas tiesiskaj\u0101 regul\u0113jum\u0101 un noskaidrotu viedokli, k\u0101 SVF var pal\u012bdz\u0113t atbalst\u012bt Latvijas finan\u0161u stabilit\u0101ti un ekonomisko izaugsmi.<\/p>\n<p style=\"color: #3c3c3c;\">P\u0113c tik\u0161an\u0101s Latvijas Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas valdes loceklis Aivars Rudi nesl\u0113pj \u2013 sarunas laik\u0101 radies iespaids, ka SVF p\u0101rst\u0101vji tikai tagad apjautu\u0161i Latvijas iedz\u012bvot\u0101ju paties\u0101s finan\u0161u situ\u0101cijas dramatiskumu. \u00abSaska\u0146\u0101 ar Latvijas Bankas datiem \u0161obr\u012bd 721,3 t\u016bksto\u0161iem personu ir sp\u0113k\u0101 eso\u0161as kred\u012btsaist\u012bbas. Tie ir hipotek\u0101rie un pat\u0113ri\u0146a kred\u012bti, kred\u012btl\u012bnijas, l\u012bzingi un cita veida finan\u0161u aizdevumi, kas izsniegti komercbank\u0101s.<\/p>\n<p style=\"color: #3c3c3c;\">Bez b\u016btiskiem kav\u0113jumiem savas saist\u012bbas sp\u0113j pild\u012bt tikai 73,9% iedz\u012bvot\u0101ju, bet ceturt\u0101 da\u013ca kred\u012bt\u0146\u0113m\u0113ju jeb 149,2 t\u016bksto\u0161i cilv\u0113ku, re\u0123istros fiks\u0113ti k\u0101 par\u0101dnieki ar vair\u0101k nek\u0101 60 dienu maks\u0101juma kav\u0113jumu. Tostarp 14,7% \u0161o iedz\u012bvot\u0101ju ir ilgsto\u0161ie par\u0101dnieki, ar maks\u0101juma kav\u0113jumu virs 180 dien\u0101m. Jau \u0161ie dati ir kliedzo\u0161i, bet, ja kl\u0101t pieskaita v\u0113l apm\u0113ram 100 t\u016bksto\u0161us cilv\u0113ku, kuri nesp\u0113j laikus atdot t\u0101 saucamos \u0101tros kred\u012btus un veikt komun\u0101los maks\u0101jumus, kas Latvijas Bankas re\u0123istr\u0101 nav fiks\u0113ti, varam ieskic\u0113t patieso iedz\u012bvot\u0101ju finansi\u0101lo st\u0101vokli, kas ir dramatisks.<\/p>\n<p>Tiekoties ar Starptautisk\u0101 val\u016btas fonda p\u0101rst\u0101vjiem, kas savulaik akt\u012bvi atbalst\u012bja maks\u0101tnesp\u0113jas procesa ievie\u0161anu un sak\u0101rto\u0161anu Latvij\u0101, rad\u0101s iespaids, ka katastrof\u0101lais st\u0101voklis vi\u0146us burtiski \u0161ok\u0113ja,\u00bb nesl\u0113pj Aivars Rudi.<\/p>\n<p>Vi\u0146\u0161 atz\u012bst, politi\u0137iem, jo \u012bpa\u0161i vald\u012bb\u0101 eso\u0161ajiem, pat\u012bk run\u0101t par valsts ekonomikas atvese\u013co\u0161anos, att\u012bst\u012b\u0161anos un izaugsmi, ta\u010du t\u0101 v\u0101ji atspogu\u013co patieso st\u0101vokli.<\/p>\n<p>\u00abPateicoties Eiropas Savien\u012bbas strukt\u016brfondu finans\u0113jumam, kas tiek piesaist\u012bts lielu projektu \u012bsteno\u0161anai, glob\u0101los skait\u013cos patie\u0161\u0101m izskat\u0101s, ka kr\u012bze ir p\u0101rvar\u0113ta, valsts ekonomika att\u012bst\u0101s, k\u0101 redzam \u2013 ofici\u0101li glu\u017ei pie\u0146emama ir ar\u012b vid\u0113j\u0101 m\u0113ne\u0161alga. Ta\u010du cik tas ir patiesi? Izejot no Centr\u0101l\u0101s stacijas, uz R\u012bgas galvenaj\u0101m iel\u0101m redzam neskait\u0101mus lombardus, sp\u0113\u013cu z\u0101les un lietoto ap\u0123\u0113rbu tirgotavas. Vai kas t\u0101ds ir atrodams kaut vienas ekonomik\u0101 stabilas valsts galvaspils\u0113t\u0101? Vai izaugsmi j\u016bt cilv\u0113ks, kur\u0161 staig\u0101 pa lombardiem un \u0146em \u0101tro kred\u012btu, lai nomaks\u0101tu liel\u0101 kred\u012bta maks\u0101jumu vai v\u0113l \u013caun\u0101k \u2013 r\u0113\u0137inu par komun\u0101lajiem pakalpojumiem? Ta\u010du tie\u0161i \u0161\u0101da t\u016bksto\u0161iem cilv\u0113ku ir ikdiena, un diem\u017e\u0113l j\u0101atz\u012bst &#8211; vald\u012bba joproj\u0101m turpina str\u0101d\u0101t banku lobija, nevis iedz\u012bvot\u0101ju interes\u0113s,\u00bb p\u0101rliecin\u0101ts ir Aivars Rudi.<\/p>\n<p>Apm\u0113ram 80% no iedz\u012bvot\u0101jiem, kas Latvijas Bankas re\u0123istr\u0101 iek\u013cauti k\u0101 ilgsto\u0161ie par\u0101dnieki ar vismaz 60 dienu ilgu maks\u0101juma kav\u0113jumu, ir t\u0101di, kas saist\u012bbas uz\u0146\u0113m\u0101s v\u0113l pirms kr\u012bzes 2008. gad\u0101. Tagad, 10 gadus p\u0113c kr\u012bzes, t\u0101 viet\u0101, lai situ\u0101ciju patie\u0161\u0101m uzlabotu ne vien skait\u013cos, bet ar\u012b realit\u0101t\u0113, lai cilv\u0113ki var\u0113tu atg\u016bties, str\u0101d\u0101t ofici\u0101lu darbu ar leg\u0101liem ien\u0101kumiem un b\u016bt ekonomiski akt\u012bvi, vi\u0146i burtiski ir iedz\u012bti pel\u0113kaj\u0101 zon\u0101.<\/p>\n<p>\u00abGadiem esam c\u012bn\u012bju\u0161ies par groz\u012bjumiem Maks\u0101tnesp\u0113jas likum\u0101, kas joproj\u0101m str\u0101d\u0101 banku, nevis cilv\u0113ku interes\u0113s. Ide\u0101l\u0101 variant\u0101 b\u016btu nepiecie\u0161ams, lai likums cilv\u0113kam \u013cauj maks\u0101tnesp\u0113ju \u012bstenot viena gada laik\u0101. \u0160obr\u012bd tas var pras\u012bt laiku l\u012bdz \u010detriem gadiem, kad viena tre\u0161\u0101 da\u013ca ien\u0101kumu tiek novirz\u012bta par\u0101dsaist\u012bbu dz\u0113\u0161anai. M\u0113s varam b\u016bt naivi un dom\u0101t, ka maks\u0101tnesp\u0113jai tiek novirz\u012bti personas re\u0101lie ien\u0101kumi. Diem\u017e\u0113l pieredze liek dom\u0101t, ka liel\u0101koties cilv\u0113ks atrod iesp\u0113ju, k\u0101 ofici\u0101li ien\u0101kumus sa\u0146emt minim\u0101l\u0101s algas apm\u0113r\u0101, savuk\u0101rt p\u0101r\u0113jos \u2013 \u00abaploksn\u0113\u00bb. Tas noz\u012bm\u0113, ka par re\u0101lajiem ien\u0101kumiem nodok\u013cus nemaks\u0101 nedz pati persona, nedz darba dev\u0113js, kur\u0161 \u0161\u0101dam dar\u012bjumam piekritis, un t\u0101 tas turpin\u0101s divus, tr\u012bs vai \u010detrus gadus. No \u0161\u012bs situ\u0101cijas \u012bsti neieg\u016bst neviens. J\u0101, banka ilgsto\u0161\u0101k\u0101 laika period\u0101 sa\u0146em savu da\u013cu, ta\u010du re\u0101li tas pusotrs t\u016bkstotis eiro gad\u0101 bankai visp\u0101r nav nekas, kam\u0113r cilv\u0113kam t\u0101 ir nauda. Ja maks\u0101tnesp\u0113ju b\u016btu iesp\u0113jams \u012bstenot gada vai divu laik\u0101, b\u016btiski palielin\u0101tos to iedz\u012bvot\u0101ju da\u013ca, kas nemekl\u0113tu veidu, k\u0101 patiesos ien\u0101kumus sl\u0113pt, un ar\u012b savas saist\u012bbas pret kred\u012btdev\u0113jiem pild\u012btu godpr\u0101t\u012bg\u0101k,\u00bb v\u0113rt\u0113 Aivars Rudi.<\/p>\n<p>Vi\u0146\u0161 atz\u012bst, ka m\u0113r\u0137is sa\u012bsin\u0101t laiku maks\u0101tnesp\u0113jas procesa \u012bsteno\u0161anai bija teju vai sasniegts pirms \u010detriem gadiem, kad tika pie\u0146emti un izsludin\u0101ti groz\u012bjumi Maks\u0101tnesp\u0113jas likum\u0101. Tie priv\u0101tpersonai \u013c\u0101va maks\u0101tnesp\u0113jas procesu \u012bstenot viena gada laik\u0101, ja kop\u0113j\u0101s kred\u012btsaist\u012bbas nesasniedza 100 000 eiro, vai divu gadu laik\u0101, ja \u0161\u012b summa tika p\u0101rsniegta. Ta\u010du pie\u0146emtie groz\u012bjumi nenostr\u0101d\u0101ja pat dienu. \u00abGroz\u012bjumi tika pie\u0146emti 2014. gad\u0101 pirms v\u0113l\u0113\u0161an\u0101m, sp\u0113k\u0101 tiem vajadz\u0113ja st\u0101ties 2015. gada 1. janv\u0101r\u012b.<\/p>\n<p>Ta\u010du jauniev\u0113l\u0113t\u0101 vald\u012bba viegli pak\u013c\u0101v\u0101s banku lobijam un groz\u012bjumi tika atcelti. Tagad n\u0101k jaunas v\u0113l\u0113\u0161anas, pie\u013cauju, maks\u0101tnesp\u0113jas jomas sak\u0101rto\u0161ana atkal var\u0113tu k\u013c\u016bt popul\u0101rs temats politi\u0137iem. Vai no t\u0101 b\u016bs ar\u012b re\u0101ls labums \u2013 redz\u0113sim jau p\u0113c gada. Savuk\u0101rt \u0161obr\u012bd b\u016bs interesanti uzzin\u0101t, k\u0101dus ieteikumus maks\u0101tnesp\u0113jas jomas sak\u0101rto\u0161anai Latvijai sniegs Starptautiskais val\u016btas fonds. Sagaid\u0101ms, ka tos sa\u0146emsim tuv\u0101k\u0101 m\u0113ne\u0161a laik\u0101,\u00bb v\u0113rt\u0113 Aivars Rudi.<\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Ceturt\u0101 da\u013ca Latvijas kred\u012bt\u0146\u0113m\u0113ju jeb 149,2 t\u016bksto\u0161i iedz\u012bvot\u0101ju vair\u0101k nek\u0101 60 dienas kav\u0113ju\u0161i bank\u0101s izsniegto kred\u012btu maks\u0101jumus. V\u0113l ir apm\u0113ram<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-515","post","type-post","status-publish","format-standard","hentry","category-aktuali"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/515","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=515"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/515\/revisions"}],"predecessor-version":[{"id":516,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/515\/revisions\/516"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=515"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=515"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}