{"id":757,"date":"2023-12-13T15:26:53","date_gmt":"2023-12-13T15:26:53","guid":{"rendered":"https:\/\/kreditnemejuasociacija.lv\/?p=757"},"modified":"2024-09-17T05:28:47","modified_gmt":"2024-09-17T05:28:47","slug":"hipotekaro-kreditu-parkreditesanu-cita-banka-plano-atvieglot-un-padarit-letaku","status":"publish","type":"post","link":"https:\/\/kreditnemejuasociacija.lv\/?p=757","title":{"rendered":"Hipotek\u0101ro kred\u012btu p\u0101rkredit\u0113\u0161anu cit\u0101 bank\u0101 pl\u0101no atvieglot un padar\u012bt l\u0113t\u0101ku"},"content":{"rendered":"

lsm.lv<\/p>\n

Autori: Edgars Zic\u0101ns (LSM.lv zi\u0146u redaktors), Kri\u0161s Kairis (LTV Zi\u0146u dienesta korespondents)
\nLai atvieglotu kredit\u0113t\u0101ja nomai\u0146u hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem, pl\u0101no samazin\u0101t \u0161\u012b pakalpojuma izmaksas, atcelt rekl\u0101mas aizliegumu hipotek\u0101rajiem kred\u012btiem un noteikt, ka kred\u012bt\u0146\u0113m\u0113jam neb\u016bs j\u0101sa\u0146em eso\u0161\u0101 kred\u012bta dev\u0113ja piekri\u0161ana, lai dotos pie citas kred\u012btiest\u0101des. To paredz vald\u012bb\u0101 atbalst\u012bt\u0101s izmai\u0146as Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas un citos likumos. Lai atvieglojumi st\u0101tos sp\u0113k\u0101, tie v\u0113l j\u0101atbalsta Saeimai.
\n\u012aSUM\u0100:<\/p>\n

Ar groz\u012bjumiem grib atvieglot p\u0101rkredit\u0113\u0161anu kred\u012bt\u0146\u0113m\u0113jiem.
\nLatvij\u0101 p\u0101rkredit\u0113 tikai 2% no kred\u012btiem, citviet Eiropas Savien\u012bb\u0101 \u2013 13\u201335%.
\nTo pl\u0101no dar\u012bt ar samazin\u0101t\u0101m p\u0101rkredit\u0101cijas izmaks\u0101m.
\nIecer\u0113ts ar\u012b palielin\u0101t konkurenci starp hipotek\u0101ro kred\u012btu sniedz\u0113jiem.
\nPl\u0101nots, ka p\u0101rkredit\u0113\u0161anas gad\u012bjum\u0101 neb\u016btu j\u0101sa\u0146em l\u012bdz\u0161in\u0113j\u0101 kred\u012bta dev\u0113ja piekri\u0161ana.
\nIesp\u0113jam\u0101s izmai\u0146as pozit\u012bvi v\u0113rt\u0113 gan bankas, gan kred\u012bt\u0146\u0113m\u0113ji.
\nLikumu groz\u012bjumi izstr\u0101d\u0101ti, lai vienk\u0101r\u0161otu p\u0101rkredit\u0101cijas procesu hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem. Vald\u012bba uzskata, ka, atvieglojot kred\u012bt\u0146\u0113m\u0113ju iesp\u0113jas main\u012bt kred\u012btiest\u0101des, samazinot p\u0101rkredit\u0101cijas izmaksas un palielinot konkurenci starp kred\u012bta dev\u0113jiem, tiks att\u012bst\u012bti kred\u012btiest\u0101\u017eu pied\u0101v\u0101tie risin\u0101jumi hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem un mazin\u0101tas augst\u0101s hipotek\u0101ro kred\u012btu likmes.<\/p>\n

Lai sasniegtu \u0161os m\u0113r\u0137us, vald\u012bba atbalst\u012bja groz\u012bjumus \u010detros likumos \u2013 Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101, Kred\u012btiest\u0101\u017eu likum\u0101, Notari\u0101ta likum\u0101 un Apdro\u0161in\u0101\u0161anas l\u012bguma likum\u0101. Lai atvieglojumi st\u0101tos sp\u0113k\u0101, groz\u012bjumi likumos v\u0113l j\u0101apstiprina Saeimai.<\/p>\n

Ekonomikas ministrs Viktors Valainis (Za\u013co un Zemnieku savien\u012bba) nor\u0101d\u012bja, ka pl\u0101notie atvieglojumi patlaban m\u0113r\u0137\u0113ti uz hipotek\u0101ro kred\u012btu p\u0101rkredit\u0113\u0161anu, ta\u010du, groz\u012bjumus skatot Saeim\u0101, var\u0113tu rosin\u0101t tos attiecin\u0101t ar\u012b uz citiem kred\u012btiem.<\/p>\n

Latvij\u0101 ir viens no augst\u0101kajiem kred\u012btu tirgus koncentr\u0101cijas r\u0101d\u012bt\u0101jiem eirozon\u0101. \u010cetru liel\u0101ko kred\u012btiest\u0101\u017eu tirgus da\u013ca uz\u0146\u0113mumu kred\u012btu segment\u0101 ir tuvu 80%, bet m\u0101jok\u013ca kred\u012btu segment\u0101 tuvu 100%, teikts likumprojekta anot\u0101cij\u0101.<\/p>\n

Viens no konkurenci ierobe\u017eojo\u0161iem faktoriem ir sam\u0113r\u0101 d\u0101rgs p\u0101rkredit\u0113\u0161an\u0101s process, teikts likumprojekta anot\u0101cij\u0101. Bankas piem\u0113ro komisiju, ne tikai izsniedzot kred\u012btu, bet ar\u012b br\u012bd\u012b, kad tiek \u012bstenota p\u0101rkredit\u0113\u0161an\u0101s pie cita kred\u012bta dev\u0113ja. T\u0101pat izmaksas rada ar\u012b not\u0101ra un zemesgr\u0101matas pakalpojumi.<\/p>\n

Latvijas Bankas apr\u0113\u0137ini liecina, ka p\u0101rkredit\u0113\u0161an\u0101s procesa izmaksas var sasniegt 2%-5% no tipiska kred\u012bta atlikuma v\u0113rt\u012bbas. L\u012bdz ar to p\u0101rkredit\u0113\u0161an\u0101s aktivit\u0101te Latvij\u0101 ir zema. Eiropas Komisijas p\u0113t\u012bjums liecina, ka<\/p>\n

Latvij\u0101 tiek p\u0101rkredit\u0113ti tikai 2% no kred\u012btiem, kurus p\u0101rkredit\u0113jot var\u0113tu g\u016bt finansi\u0101lu labumu. Citviet Eiropas Savien\u012bb\u0101 \u0161is r\u0101d\u012bt\u0101js sv\u0101rst\u0101s no 13% l\u012bdz pat 35%.<\/p>\n

Ar\u012b Konkurences padome 2019. gada zi\u0146ojum\u0101 par priv\u0101tpersonu mobilit\u0101ti tirg\u016b secin\u0101ja, ka klientu izv\u0113les iesp\u0113jas un mobilit\u0101tes iesp\u0113jas banku tirg\u016b darbojas k\u0101 konkurences spiediens uz eso\u0161ajiem un potenci\u0101lajiem pakalpojumu sniedz\u0113jiem, lai tie nep\u0101rtraukti uzlabotu savu sniegumu. T\u0101p\u0113c pat\u0113r\u0113t\u0101ju mobilit\u0101te uzskat\u0101ma par svar\u012bgu konkur\u0113tsp\u0113jas elementu banku pakalpojumu tirg\u016b.<\/p>\n

Augst\u0101 tirgus koncentr\u0101cija un nepietiekam\u0101 konkurence hipotek\u0101r\u0101s kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju sektor\u0101 saglab\u0101 augstas hipotek\u0101ro kred\u012btu procentu likmes, nor\u0101d\u012bts likumprojekta anot\u0101cij\u0101.<\/p>\n

P\u0101rkredit\u0113\u0161ana izmaks\u0101tu l\u0113t\u0101k
\nPat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma groz\u012bjumus ar\u012b teikts, ka pat\u0113r\u0113t\u0101jiem ar hipotek\u0101rajiem kred\u012btiem b\u016btisks \u0161\u0137\u0113rslis nomain\u012bt kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju ir izmaksas.<\/p>\n

Atbilsto\u0161i kredit\u0113t\u0101ju, kuri darbojas hipotek\u0101r\u0101s kredit\u0113\u0161anas sektor\u0101, cenr\u0101\u017eiem, likumprojekta izstr\u0101des br\u012bd\u012b to piem\u0113rot\u0101 maksa saviem klientiem par hipotek\u0101r\u0101 kred\u012bta p\u0101rkredit\u0113\u0161anu pie cita kredit\u0113t\u0101ja ir vid\u0113ji 400\u2013600 eiro, teikts groz\u012bjumu anot\u0101cij\u0101.<\/p>\n

Lai atrisin\u0101tu \u0161o probl\u0113mu,<\/p>\n

likumprojekts paredz, ka iepriek\u0161\u0113jais kred\u012bta dev\u0113js nav ties\u012bgs pras\u012bt kred\u012bt\u0146\u0113m\u0113jam samaksu par p\u0101rkredit\u0113\u0161anu, iz\u0146emot fiks\u0113tas aiz\u0146\u0113muma likmes gad\u012bjum\u0101,<\/p>\n

kad iepriek\u0161\u0113jais kred\u012bta dev\u0113js ir ties\u012bgs sa\u0146emt god\u012bgu un objekt\u012bvi pamatotu kompens\u0101ciju par iesp\u0113jam\u0101m izmaks\u0101m, kas tie\u0161i saist\u012btas ar kred\u012bta pirmstermi\u0146a atmaksu.<\/p>\n

Savuk\u0101rt kompens\u0101cija, ko jaunais kred\u012bta dev\u0113js var pras\u012bt no kred\u012bt\u0146\u0113m\u0113ja par izmaks\u0101m, kas saist\u012btas ar jaun\u0101 hipotek\u0101r\u0101s kredit\u0113\u0161anas l\u012bguma noform\u0113\u0161anu un kred\u012bta izsnieg\u0161anu, nedr\u012bkst b\u016bt augst\u0101ka par 1% no kop\u0113j\u0101s dar\u012bjuma summas un vienlaikus nedr\u012bkst b\u016bt augst\u0101ka par maksu, k\u0101du jaunais kred\u012bta dev\u0113js attiec\u012bgaj\u0101 br\u012bd\u012b piem\u0113ro no jauna izsniegtiem kred\u012btiem.<\/p>\n

Ar likumprojektu pl\u0101nots samazin\u0101t ar\u012b citas izmaksu poz\u012bcijas hipotek\u0101r\u0101s p\u0101rkredit\u0113\u0161anas proces\u0101, piem\u0113ram, \u0146emot v\u0113r\u0101 likumprojekt\u0101 ietverto \u0137\u012blas ties\u012bbu p\u0101rgroz\u012b\u0161anas k\u0101rt\u012bbas regul\u0113jumu, pat\u0113r\u0113t\u0101jam vairs neb\u016bs j\u0101maks\u0101 valsts nodeva par \u0137\u012blas ties\u012bbu re\u0123istr\u0101ciju zemesgr\u0101mat\u0101 0,1% apm\u0113r\u0101 no dar\u012bjuma summas, jo \u0137\u012blas ties\u012bba tiek p\u0101rgroz\u012bta, nepalielinoties dar\u012bjuma summai.<\/p>\n

Hipotek\u0101r\u0101s p\u0101rkredit\u0113\u0161anas procesa izmaksu samazin\u0101jums t\u0101d\u0113j\u0101di mazin\u0101s \u0161\u0137\u0113r\u0161\u013cus hipotek\u0101ro kred\u012btu p\u0101rkredit\u0113\u0161anai, teikts groz\u012bjumu anot\u0101cij\u0101.<\/p>\n

\"\"<\/a>
\nFoto: Ekonomikas ministrija
\nEkonomikas ministrija nor\u0101d\u012bja, ka, piem\u0113ram, ja hipotek\u0101r\u0101 kred\u012bta summa ir 250 000 eiro, tad p\u0101rkredit\u0113\u0161anas izmaksas samazin\u0101sies no 3500 eiro uz 2500 eiro; ja hipotek\u0101r\u0101 kred\u012bta summa ir 100 000 eiro, tad p\u0101rkredit\u0113\u0161anas izmaksas samazin\u0101sies uz pusi \u2013 no aptuveni 2000 eiro uz 1000 eiro;, ja hipotek\u0101r\u0101 kred\u012bta summa ir 50 000 eiro, tad p\u0101rkredit\u0113\u0161anas izmaksas samazin\u0101sies tr\u012bs reizes \u2013 no aptuveni 1500 eiro uz 500 eiro. \u0160ie apr\u0113\u0137ini izdar\u012bti pie nosac\u012bjuma, ja jaunais kred\u012bta dev\u0113js paredz\u0113s kompens\u0101ciju vai komisijas maksu par hipotek\u0101r\u0101 kred\u012bta izsnieg\u0161anu. Ja \u0161\u0101das pras\u012bbas neb\u016bs, izmaksas samazin\u0101sies v\u0113l vair\u0101k, par hipotek\u0101ro p\u0101rkredit\u0113\u0161anu maks\u0101jot vien ap 50 eiro, atz\u012bm\u0113ja ministrij\u0101.<\/p>\n

P\u0101rkredit\u0113\u0161anas gad\u012bjum\u0101 neb\u016btu j\u0101sa\u0146em l\u012bdz\u0161in\u0113j\u0101 kred\u012bta dev\u0113ja piekri\u0161ana
\nJa klients hipotek\u0101r\u0101 kred\u012bta p\u0101rkredit\u0113\u0161anai sa\u0146em citas kred\u012btiest\u0101des pied\u0101v\u0101jumu, eso\u0161ajam kred\u012bta dev\u0113jam saglab\u0101jas iesp\u0113ja klientam izteikt pied\u0101v\u0101jumu par izdev\u012bg\u0101kiem eso\u0161\u0101 l\u012bguma nosac\u012bjumiem un, ja klients tos pie\u0146em, hipotek\u0101r\u0101s p\u0101rkredit\u0113\u0161an\u0101s process tiek p\u0101rtraukts, paredz groz\u012bjumi.<\/p>\n

Savuk\u0101rt, ja eso\u0161ais kred\u012bta dev\u0113js neizsaka izdev\u012bg\u0101ku pied\u0101v\u0101jumu, klientam nosl\u0113dzot jaunu hipotek\u0101r\u0101s kredit\u0113\u0161anas l\u012bgumu un jaunu \u0137\u012blas l\u012bgumu ar citu kred\u012btiest\u0101di, jaunais kred\u012bta dev\u0113js p\u0101r\u0146em iepriek\u0161\u0113j\u0101 kred\u012bta dev\u0113ja lab\u0101 nostiprin\u0101to \u0137\u012blas ties\u012bbu uz nekustamo \u012bpa\u0161umu un \u0161\u012b \u0137\u012blas ties\u012bba turpina nodro\u0161in\u0101t jaun\u0101 kred\u012bta dev\u0113ja no jaun\u0101 hipotek\u0101r\u0101s kredit\u0113\u0161anas l\u012bguma izrieto\u0161os pras\u012bjumus, paredz groz\u012bjumi.<\/p>\n

\u0160\u0101ds risin\u0101jums izv\u0113l\u0113ts, lai kred\u012bta \u0146\u0113m\u0113jam atvieglotu un vienk\u0101r\u0161otu p\u0101rkredit\u0113\u0161anas procesu.<\/p>\n

Pl\u0101notais process paredz, ka klientam b\u016btu j\u0101v\u0113r\u0161as tikai pie jaun\u0101 kred\u012bta dev\u0113ja un neb\u016btu j\u0101sa\u0146em l\u012bdz\u0161in\u0113j\u0101 kred\u012bta dev\u0113ja piekri\u0161ana.<\/p>\n

Jo p\u0101rkredit\u0113\u0161ana nav jauna kred\u012bta sa\u0146em\u0161ana, bet gan eso\u0161o saist\u012bbu p\u0101rne\u0161ana pie cita kreditora, teikts groz\u012bjumu anot\u0101cij\u0101.<\/p>\n

T\u0101pat groz\u012bjumi paredz, ka iepriek\u0161\u0113j\u0101 kredit\u0113\u0161anas vai \u0137\u012blas l\u012bguma apstr\u012bd\u0113\u0161ana nav par pamatu apstr\u012bd\u0113t starp kred\u012bta \u0146\u0113m\u0113ju un jauno kred\u012bta dev\u0113ju nosl\u0113gto hipotek\u0101r\u0101s kredit\u0113\u0161anas l\u012bgumu vai \u0137\u012blas l\u012bgumu, k\u0101 ar\u012b nav par pamatu apstr\u012bd\u0113t un dz\u0113st zemesgr\u0101mat\u0101 nostiprin\u0101to ieg\u016bsto\u0161\u0101 kred\u012bta dev\u0113ja \u0137\u012blas ties\u012bbu. Proti, ir iesp\u0113jams apstr\u012bd\u0113t ar jauno kred\u012bta dev\u0113ju nosl\u0113gtos l\u012bgumus, ta\u010du iepriek\u0161\u0113jo l\u012bgumu apstr\u012bd\u0113\u0161ana nevar b\u016bt par pamatu eso\u0161\u0101 l\u012bguma apstr\u012bd\u0113\u0161anai.<\/p>\n

Groz\u012bjumi Kred\u012btiest\u0101\u017eu likum\u0101 paredz iesp\u0113ju kred\u012btiest\u0101dei sniegt neizpau\u017eam\u0101s zi\u0146as citai kred\u012btiest\u0101dei vai kred\u012bta dev\u0113jam, ja \u0161\u012bs zi\u0146as nepiecie\u0161amas hipotek\u0101rai p\u0101rkredit\u0113\u0161anai. \u0160\u012b inform\u0101cija b\u016bs nepiecie\u0161ama jaunajam kred\u012bta dev\u0113jam, lai izteiktu savu pied\u0101v\u0101jumu pat\u0113r\u0113t\u0101jam.<\/p>\n

Likumprojekts dele\u0123\u0113 Ministru kabinetam noteikt hipotek\u0101r\u0101s p\u0101rkredit\u0113\u0161anas k\u0101rt\u012bbu. Paredz\u0113ts, ka p\u0101rkredit\u0113\u0161anas procesu var\u0113s \u012bstenot att\u0101lin\u0101ti.<\/p>\n

Savuk\u0101rt groz\u012bjumi Apdro\u0161in\u0101\u0161anas l\u012bguma likum\u0101 paredz, ka hipotek\u0101r\u0101s p\u0101rkredit\u0113\u0161anas gad\u012bjum\u0101 pat\u0113r\u0113t\u0101jam b\u016bs ties\u012bbas vienpus\u0113ji izbeigt eso\u0161o nekustam\u0101 \u012bpa\u0161uma apdro\u0161in\u0101\u0161anas l\u012bgumu. Groz\u012bjumi nepiecie\u0161ami, lai pat\u0113r\u0113t\u0101jam nerastos papildu izmaksas p\u0101rkredit\u0113\u0161anas proces\u0101.<\/p>\n

Pl\u0101no atcelt rekl\u0101mas aizliegumu
\nAr groz\u012bjumiem Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 ir paredz\u0113ts ar\u012b atcelt rekl\u0101mas ierobe\u017eojumu hipotek\u0101rajiem kred\u012btiem. Proti, t\u0101diem kred\u012btiem, kuru m\u0113r\u0137is ir nekustam\u0101 \u012bpa\u0161uma ieg\u0101de un kuru atmaksa ir nodro\u0161in\u0101ta ar nekustam\u0101 \u012bpa\u0161uma hipot\u0113ku vai kura m\u0113r\u0137is ir nekustam\u0101 \u012bpa\u0161uma b\u016bvniec\u012bba vai energoefektivit\u0101tes paaugstin\u0101\u0161ana.<\/p>\n

Rekl\u0101mas aizlieguma atcel\u0161ana hipotek\u0101rajiem kred\u012btiem veicin\u0101s pat\u0113r\u0113t\u0101ju inform\u0113t\u012bbu par kredit\u0113\u0161anas iesp\u0113j\u0101m un hipotek\u0101r\u0101s kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju pied\u0101v\u0101jumiem, nor\u0101d\u012bts likumprojekta anot\u0101cij\u0101.<\/p>\n

Iesp\u0113jam\u0101s izmai\u0146as pozit\u012bvi v\u0113rt\u0113 gan bankas, gan kred\u012bt\u0146\u0113m\u0113ji
\n\u0160iem groz\u012bjumiem bankas neiebilst, tie\u0161i pret\u0113ji \u2013 pat atbalsta.<\/p>\n

Finan\u0161u nozares asoci\u0101cijas vec\u0101kais juridiskais padomnieks Edgars Pastars nor\u0101d\u012bja: “Eso\u0161ais tirgus ir pietiekami gar\u0161\u012bgs, lai konkur\u0113tu par eso\u0161iem, jau p\u0101rbaud\u012btiem kred\u012bt\u0146\u0113m\u0113jiem iepretim jaunam kred\u012bt\u0146\u0113m\u0113jam. \u0160\u012b mobilit\u0101te dod iesp\u0113ju jau uz eso\u0161\u0101s \u013coti lielas klientu skaita b\u0101zes atv\u0113rt, t\u0101 teikt, otro fronti. Ne tikai par kred\u012btu izsnieg\u0161anu, bet ar\u012b par vi\u0146a p\u0101rvilin\u0101\u0161anu. (..)<\/p>\n

Bank\u0101s, p\u0101rrun\u0101jot ar kol\u0113\u0123iem, jau tiek dom\u0101tas kampa\u0146as, dom\u0101ti veidi, k\u0101 str\u0101d\u0101t uz jaunu klientu piesaisti no citu banku eso\u0161ajiem klientiem.”<\/p>\n

Banku p\u0101rst\u0101vis prognoz\u0113ja, ka n\u0101kamgad lielu klientu “staig\u0101\u0161anu” starp bank\u0101m v\u0113l neredz\u0113sim, jo p\u0101rkredit\u0113\u0161ana noz\u012bm\u0113tu jau min\u0113t\u0101 atbalsta zaud\u0113\u0161anu procentu likm\u0113m. Tom\u0113r ilgtermi\u0146\u0101 situ\u0101cija tie\u0161\u0101m var\u0113tu uzlaboties.<\/p>\n

Pozit\u012bvi noska\u0146oti par iesp\u0113jamaj\u0101m p\u0101rmai\u0146\u0101m ir ar\u012b Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cij\u0101.<\/p>\n

“Uz \u0161o br\u012bdi mums tom\u0113r \u0161\u012b konkurence banku starp\u0101 nav pietiekama. L\u012bdz ar to \u0161\u012b te p\u0101reja no vienas bankas uz citu ir vair\u0101k t\u0101das konkurences veicin\u0101\u0161anai,” sac\u012bja Kred\u012bt\u0146\u0113m\u0113ju asoci\u0101cijas vad\u012bt\u0101js J\u0101nis \u0100boli\u0146\u0161.<\/p>\n

KONTEKSTS:<\/p>\n

Visu rudeni notika diskusijas, k\u0101 atbalst\u012bt hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jus. Galu gal\u0101 Saeima vienoj\u0101s par risin\u0101jumu, kur hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem kompens\u0113s kred\u012btu kop\u0113jo procentu maks\u0101jumus 30% apm\u0113r\u0101, savuk\u0101rt kred\u012btiest\u0101d\u0113m b\u016bs j\u0101maks\u0101 hipotek\u0101r\u0101 kred\u012bta \u0146\u0113m\u0113ju aizsardz\u012bbas nodeva. Procentu maks\u0101jumu kompens\u0101cija attieksies uz hipotek\u0101rajiem kred\u012btiem, par kuriem l\u012bgums nosl\u0113gts l\u012bdz \u0161\u0101 gada 31. oktobrim un kuru atlikums nep\u0101rsniedz 250 t\u016bksto\u0161us eiro.<\/p>\n

Latvijas Darba dev\u0113ju konfeder\u0101cija un Latvijas Tirdzniec\u012bbas un r\u016bpniec\u012bbas kamera l\u016bdza Valsts prezidentu Edgaru Rink\u0113vi\u010du neizsludin\u0101t groz\u012bjumus likum\u0101, nor\u0101dot, ka “\u0161\u0101ds likumdo\u0161anas process apdraud jebkuru komercdarb\u012bbu”.<\/p>\n

Hipotek\u0101rie kred\u012bti Latvij\u0101 izsniegti aptuveni 124 t\u016bksto\u0161iem aiz\u0146\u0113m\u0113ju \u2013 ap 14% no kop\u0113j\u0101 iedz\u012bvot\u0101ju skaita, apkopojusi Finan\u0161u nozares asoci\u0101cija. Ap 72% kred\u012bt\u0146\u0113m\u0113ju aizdevuma maks\u0101jums m\u0113nes\u012b nav audzis vair\u0101k par 100 eiro. P\u0113c banku datiem, tikai 0,5% klientu nesp\u0113j tikt gal\u0101 ar sav\u0101m kred\u012btsaist\u012bb\u0101m.<\/p>\n","protected":false},"excerpt":{"rendered":"

lsm.lv Autori: Edgars Zic\u0101ns (LSM.lv zi\u0146u redaktors), Kri\u0161s Kairis (LTV Zi\u0146u dienesta korespondents) Lai atvieglotu kredit\u0113t\u0101ja nomai\u0146u hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem,<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,2,3],"tags":[],"class_list":["post-757","post","type-post","status-publish","format-standard","hentry","category-aktuali","category-jaunumi","category-pubikacija"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/757","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=757"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/757\/revisions"}],"predecessor-version":[{"id":759,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/757\/revisions\/759"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}