{"id":20182,"date":"2023-08-16T16:26:23","date_gmt":"2023-08-16T13:26:23","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=20182"},"modified":"2023-08-16T16:26:23","modified_gmt":"2023-08-16T13:26:23","slug":"jaunais-ires-likums-kreditora-un-iegulditaja-perspektiva","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/jaunais-ires-likums-kreditora-un-iegulditaja-perspektiva\/","title":{"rendered":"Jaunais \u012bres likums kreditora un ieguld\u012bt\u0101ja perspekt\u012bv\u0101"},"content":{"rendered":"<div class=\"anotacija \">\n<p>Dz\u012bvojamo telpu \u012bres likuma atsevi\u0161\u0137\u0101m ties\u012bbu norm\u0101m ir noteikti ekonomiski m\u0113r\u0137i un virzieni, ar kuriem likumdev\u0113js v\u0113l\u0113jies main\u012bt personu uzved\u012bbu. \u0160\u0101 raksta autoram bija iesp\u0113ja piedal\u012bties to apsprie\u0161an\u0101 un izstr\u0101d\u0113 vair\u0101ku gadu garum\u0101, t\u0101d\u0113\u013c \u0161aj\u0101 rakst\u0101 v\u0113los sniegt ieskatu apsv\u0113rumos, kas n\u0101kotn\u0113 ties\u0101m var kalpot lab\u0101kai likumdev\u0113ja apsv\u0113rumu izpratnei.<\/p>\n<p><strong>M\u0113r\u0137i<\/strong><\/p>\n<p>\u012ares tiesisk\u0101s attiec\u012bbas interes\u0113 praktiski visus finans\u0113t\u0101jus, it \u012bpa\u0161i kred\u012btiest\u0101des, alternat\u012bvos ieguld\u012bjumu fondus, k\u0101 ar\u012b pensiju pl\u0101nus, kuri iegulda alternat\u012bvajos ieguld\u012bjumu fondos. Kred\u012btiest\u0101\u017eu interese var izpausties vismaz \u010detros veidos: (1) k\u0101 hipotek\u0101rais kreditors, kad kred\u012btiest\u0101des uzdevum\u0101 tiek p\u0101r\u0146emts nekustamais \u012bpa\u0161ums par\u0101du vai mantojuma liet\u0101 vai (2) kred\u012btiest\u0101de piespiedu izsoles gad\u012bjum\u0101 sniedz bankas garantiju klientam nekustam\u0101 \u012bpa\u0161uma ieg\u016b\u0161anai, vai (3) kred\u012btiest\u0101de finans\u0113 \u012bres nama b\u016bvniec\u012bbu un sagaida, ka tas nes\u012bs ien\u0101kumus, vai (4) kred\u012btiest\u0101de pie\u0161\u0137ir aizdevumu \u012bpa\u0161niekam ieg\u0101d\u0101ties dz\u012bvojamo telpu nol\u016bk\u0101 to iz\u012br\u0113t (<em>buy-to-let<\/em>, kam piem\u0113rojama paaugstin\u0101ta pirm\u0101 iemaksa vismaz 30 procentu apm\u0113r\u0101). Pirmajos divos gad\u012bjumos ir svar\u012bgi, ka nekustam\u0101 \u012bpa\u0161uma lieto\u0161anas uzs\u0101k\u0161anu nekav\u0113 negodpr\u0101t\u012bgs \u012brnieks, bet tre\u0161aj\u0101 gad\u012bjum\u0101 gan kred\u012btiest\u0101d\u0113m, gan ieguld\u012bt\u0101jiem ir svar\u012bgi, ka \u012bres nams nes ien\u0101kumus un ieguld\u012bt\u0101ji sa\u0146ems savu naudu, tostarp pensiju pl\u0101ni b\u016bs ienes\u012bgi, kas ir visas sabiedr\u012bbas interes\u0113s.<\/p>\n<\/div>\n<div class=\"teksts\">\n<p>Juristiem bie\u017ei vien ir at\u0161\u0137ir\u012bga izpratne ne tikai par juridiskaj\u0101m metod\u0113m un to pielieto\u0161anu, bet it \u012bpa\u0161i par ekonomiku un v\u0113l jo vair\u0101k kredit\u0113\u0161anu, t\u0101d\u0113\u013c noteikti j\u0101atg\u0101dina da\u017ei pamatprincipi, lai b\u016btu skaidrs, ka &#8220;piens nerodas ledusskap\u012b vai veikal\u0101&#8221; (lasi: ties\u012bbu normas nera\u017eo, bet tikai apkalpo).<\/p>\n<p>Pirmk\u0101rt, kred\u012btiest\u0101des finans\u0113jumu nepie\u0161\u0137ir pret \u0137\u012blu, bet gan naudas pl\u016bsmu un t\u0101s prognozi. Finans\u0113jumu pret \u0137\u012blu pie\u0161\u0137ir lombards. \u0136\u012blai viennoz\u012bm\u012bgi ir sava loma, bet tikai tad, ja t\u0101 sp\u0113j nodro\u0161in\u0101t l\u012bdzek\u013cu, kurus nav izdevies atmaks\u0101t no naudas pl\u016bsmas, atg\u016b\u0161anu sapr\u0101t\u012bg\u0101 termi\u0146\u0101 (piem\u0113ram, viena gada laik\u0101), jo cit\u0101di t\u0101 t\u0101pat rad\u012bs zaud\u0113jumus (piem\u0113ram, j\u0101veic uzkr\u0101jumi (nejaukt, piem\u0113ram, ar naudu kont\u0101) ien\u0101kumus neneso\u0161am kred\u012btam, konservat\u012bvi pie\u0146emot, ka l\u012bdzek\u013ci neb\u016bs atg\u016bstami, atst\u0101jot robus pa\u0161as kred\u012btiest\u0101des kapit\u0101l\u0101).<\/p>\n<p>Otrk\u0101rt, pie\u0161\u0137irot aizdevumu, kura atmaksa pastiprin\u0101ta (nodro\u0161in\u0101ta) ar \u0137\u012blu, j\u0101r\u0113\u0137in\u0101s, ka vid\u0113ji \u0161\u0101da aizdevuma nesamaksas gad\u012bjum\u0101 atg\u016bstami b\u016bs ne vair\u0101k par 50 procentiem no bankas izsniegt\u0101 aizdevuma summas.<\/p>\n<p>Tre\u0161k\u0101rt, kred\u012btiest\u0101\u017eu (faktiski neviena profesion\u0101la finans\u0113t\u0101ja) m\u0113r\u0137is nav p\u0101r\u0146emt nekustamo \u012bpa\u0161umu no par\u0101dnieka vai bezmantinieka mantas gad\u012bjum\u0101, turkl\u0101t normat\u012bvais akts noteic, ka kred\u012btiest\u0101d\u0113m j\u0101veic pas\u0101kumi, lai izvair\u012btos no nodro\u0161in\u0101juma p\u0101r\u0146em\u0161anas (Finan\u0161u un kapit\u0101la tirgus komisijas 2020. gada 12. decembra noteikumu &#8220;Kred\u012btriska p\u0101rvald\u012b\u0161anas normat\u012bvie noteikumi&#8221; 113. punkts).<\/p>\n<p>Ceturtk\u0101rt, ieguld\u012b\u0161ana un kredit\u0113\u0161ana balst\u0101s uz konkr\u0113tiem apr\u0113\u0137iniem izv\u0113rstu normat\u012bvo regul\u0113jumu, kas institucion\u0101los finans\u0113t\u0101jus at\u0161\u0137ir no priv\u0101tiem \u2013 tie nevar noteikt likmes un nosac\u012bjumus br\u012bvi, balstoties tikai uz biznesa risku. Regul\u0113juma m\u0113r\u0137is ir ierobe\u017eot riska uz\u0146em\u0161anos finan\u0161u stabilit\u0101tes v\u0101rd\u0101. Neveiksm\u012bgo gad\u012bjumu statistika savuk\u0101rt nosaka to, ka kred\u012bti n\u0101kamos gados b\u016bs j\u0101ceno ar augst\u0101ku cenu vis\u0101m t\u0101pat\u012bg\u0101m person\u0101m.<\/p>\n<p>Las\u012bt pla\u0161\u0101k <a href=\"https:\/\/juristavards.lv\/doc\/279795-jaunais-ires-likums-kreditora-un-iegulditaja-perspektiva\/\" target=\"_blank\" rel=\"noopener\">\u0161eit<\/a>.<\/p>\n<p>Atsauce uz \u017eurn\u0101lu:\u00a0Pastars E. Jaunais \u012bres likums kreditora un ieguld\u012bt\u0101ja perspekt\u012bv\u0101. Jurista V\u0101rds, 26.10.2021., Nr. 43 (1205), 109.-113.lpp.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dz\u012bvojamo telpu \u012bres likuma atsevi\u0161\u0137\u0101m ties\u012bbu norm\u0101m ir noteikti ekonomiski m\u0113r\u0137i un virzieni, ar kuriem likumdev\u0113js v\u0113l\u0113jies main\u012bt personu uzved\u012bbu. \u0160\u0101 raksta autoram bija iesp\u0113ja piedal\u012bties to apsprie\u0161an\u0101 un izstr\u0101d\u0113 vair\u0101ku gadu garum\u0101, t\u0101d\u0113\u013c \u0161aj\u0101 rakst\u0101 v\u0113los sniegt ieskatu apsv\u0113rumos,..<\/p>\n","protected":false},"author":6,"featured_media":2207,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"country":[96],"class_list":["post-20182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jaunais \u012bres likums kreditora un ieguld\u012bt\u0101ja perspekt\u012bv\u0101 | COBALT<\/title>\n<meta name=\"description\" content=\"Jaunais \u012bres likums kreditora un ieguld\u012bt\u0101ja perspekt\u012bv\u0101. 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