{"id":20229,"date":"2023-08-16T17:03:40","date_gmt":"2023-08-16T14:03:40","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=20229"},"modified":"2023-08-16T17:03:40","modified_gmt":"2023-08-16T14:03:40","slug":"jaunumi-pateretaju-kreditesanas-joma","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/jaunumi-pateretaju-kreditesanas-joma\/","title":{"rendered":"Jaunumi pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101"},"content":{"rendered":"

COBALT pied\u0101v\u0101 p\u0101rskatu par b\u016btisk\u0101kaj\u0101m aktualit\u0101t\u0113m:<\/p>\n

    \n
  1. Cesijas<\/strong><\/li>\n<\/ol>\n

    Augst\u0101k\u0101s tiesas Sen\u0101ta Administrat\u012bvo lietu departamenta liet\u0101 Nr. SKA-68\/2021 nor\u0101d\u012bts, ka akt\u012bvu pat\u0113r\u0113t\u0101ja kred\u012btsaist\u012bbu cesija var notikt tikai t\u0101dam ties\u012bbu subjektam, kur\u0161 pats dr\u012bkst izsniegt \u0161\u0101dus kred\u012btus. Lai ar\u012b sprieduma teksts var \u0161\u0137ist aizliedzo\u0161s, ien\u0101kumus neneso\u0161os kred\u012btus var ced\u0113t ar\u012b par\u0101da atg\u016b\u0161anas uz\u0146\u0113mumiem. Platform\u0101m, kas pied\u0101v\u0101 invest\u0113t pat\u0113ri\u0146a kred\u012btos un kas izmanto cesiju modeli (\u201cjuridisk\u0101 persona \u2013 juridisk\u0101 persona\u201d), perspekt\u012bv\u0101 neb\u016bs iesp\u0113ja izmantot jauno kopfinans\u0113juma jomas tiesisko regul\u0113jumu (nedz Kopfinans\u0113juma regulu, nedz jaun\u0101 pat\u0113ri\u0146a kred\u012btu direkt\u012bvu), bet dr\u012bz\u0101k j\u0101p\u0101rorient\u0113jas uz v\u0113rstpap\u012bro\u0161anai l\u012bdz\u012bgu modeli (prospekts, licenc\u0113ts ieguld\u012bjumu pakalpojumu sniedz\u0113js, v\u0113rtspap\u012bro\u0161anas SPV, struktur\u0113ts finan\u0161u dar\u012bjums, v\u0113rstpap\u012brs, ko p\u0113rk ieguld\u012bt\u0101js).<\/p>\n

      \n
    1. Rekl\u0101mas<\/strong><\/li>\n<\/ol>\n

      Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma noteikumi par pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas l\u012bguma rekl\u0101m\u0101m ir uz palik\u0161anu. Saeima 2021. gada pirmaj\u0101 pusgad\u0101 atteic\u0101s tos groz\u012bt.<\/p>\n

      \u0160obr\u012bd tiek v\u0113rt\u0113ts, k\u0101 izmantot s\u012bkdatnes, lai sniegtu klientam person\u012bgi adres\u0113tu rekl\u0101mu soci\u0101lajos t\u012bklos un nodro\u0161in\u0101tu, ka s\u012bkdat\u0146u izmanto\u0161anu atz\u012btu par tiesiski pamatotu.<\/p>\n

      Administrat\u012bv\u0101 rajona tiesa ar 02.03.2021. spriedumu liet\u0101 Nr. A420233920 pie\u013cauj, ka pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas pakalpojuma sniedz\u0113ja z\u012bmola rekl\u0101ma, analiz\u0113jot kontekstu, var veidot likuma p\u0101rk\u0101pumu, ja konteksts ir p\u0101r\u0101k konkr\u0113ts jeb nav neitr\u0101ls. L\u012bdz ar to turpm\u0101k ar z\u012bmolv\u0101rda rekl\u0101mu iesak\u0101m b\u016bt piesardz\u012bg\u0101kiem un sekot l\u012bdzi PTAC un tiesas v\u0113rt\u0113jumam. Min\u0113tais spriedums nav st\u0101jies sp\u0113k\u0101, un tiesved\u012bba turpin\u0101s. Tas var rad\u012bt potenci\u0101li \u0161aur\u0101ku interpret\u0101ciju z\u012bmola rekl\u0101mu izmanto\u0161anai.<\/p>\n

        \n
      1. FKTK kred\u012btriska p\u0101rvald\u012bbas noteikumi<\/strong><\/li>\n<\/ol>\n

        FKTK, ievie\u0161ot EBA vadl\u012bnijas, pilnveidojusi savus kred\u012btriska p\u0101rvald\u012bbas noteikumus. Papildus virknei pras\u012bbu tie akcent\u0113 gan to, ka uz galvot\u0101ju nevar p\u0101rnest to \u201cmaks\u0101tsp\u0113jas v\u0113rt\u0113\u0161anas smagumu\u201d, kas j\u0101izpilda pa\u0161am aiz\u0146\u0113m\u0113jam, gan ar\u012b nosaka prec\u012bz\u0101ku kalkul\u0101ciju DSTI apr\u0113\u0137inam (piem\u0113ram, izmantojam\u0101s procentu likmes, kred\u012btkar\u0161u m\u0113ne\u0161a maks\u0101juma apr\u0113\u0137inu, portfe\u013ca neatbilst\u012bbas tolerances limitu). Atrun\u0101ti jaut\u0101jumi, kas var b\u016bt noder\u012bgi izmanto\u0161anai ar\u012b FKTK nep\u0101rraudz\u012btiem kred\u012bta dev\u0113jiem.<\/p>\n

          \n
        1. VID un VSAA izzi\u0146as<\/strong><\/li>\n<\/ol>\n

          Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma 8. panta piekt\u0101 da\u013ca vairs neparedz 100 euro slieksni k\u0101 oblig\u0101tu izzi\u0146as ieg\u016b\u0161anai. Tas neatce\u013c pien\u0101kumu noskaidrot personas ien\u0101kumus, apr\u0113\u0137in\u0101t DTI un DSTI. Tas ir svar\u012bgi ar\u012b tad, kad VID izzi\u0146u nevar ieg\u016bt VID sist\u0113mu darb\u012bbas trauc\u0113jumu d\u0113\u013c un kred\u012bta dev\u0113js var izmantot citus risin\u0101jumus.<\/p>\n

          VID izzi\u0146u satur\u0101 paredz izmai\u0146as, kas veiktas attiec\u012bgajos MK noteikumos (divu gadu periods un teko\u0161ais gads, k\u0101 ar\u012b inform\u0101cija par izmaks\u0101t\u0101ju).<\/p>\n

          VSAA izzi\u0146as no 01.01.2023. satur\u0113s tikai inform\u0101ciju par VSAA pakalpojumiem (pensijas, pabalsti utt.), un t\u0101s var\u0113s ieg\u016bt tikai kred\u012btinform\u0101cijas birojos. Darbs pie inform\u0101cijas strukt\u016bras defin\u0113\u0161anas pabeidzams l\u012bdz \u0161\u012b gada beig\u0101m, proti, visticam\u0101k kred\u012bta dev\u0113jam vairs netiks atkl\u0101ti visi pakalpojumi, nor\u0101dot to nosaukumus, bet inform\u0101cija b\u016bs pieejama k\u0101d\u0101 apkopot\u0101 veid\u0101.<\/p>\n

            \n
          1. Jaun\u0101 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas direkt\u012bva <\/strong><\/li>\n<\/ol>\n

            Eiropas Komisija publiskojusi pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jaun\u0101s direkt\u012bvas priek\u0161likumu. T\u0101 attieksies uz kred\u012btiem l\u012bdz 100 000 euro (l\u012bdz \u0161im 75\u00a0000 euro). Tv\u0113rum\u0101 ir ar\u012b p\u0101rsnieguma kred\u012bti un kredit\u0113\u0161ana kopfinans\u0113juma ietvaros (faktiski papildinot Kopfinans\u0113juma regulu). T\u0101pat ietverti papildu noteikumi par pirms l\u012bguma inform\u0101cijas saturu un termi\u0146iem, k\u0101 ar\u012b ties\u012bb\u0101m iebilst pret automatiz\u0113ti pie\u0146emtiem l\u0113mumiem. Direkt\u012bvas projekts akcept\u0113 dal\u012bbvalstu praksi par procentu likmju ierobe\u017eo\u0161anu, prasa ievest par\u0101da konsult\u0101cijas, ietver papildu nosac\u012bjumus pakalpojumu sasaistei un komplektiem.<\/p>\n

             <\/p>\n

            Autori: Vado\u0161ie speci\u0101listi, zv\u0113rin\u0101ti advok\u0101ti Edgars Pastars<\/a> un Edgars Lodzi\u0146\u0161<\/a>, zv\u0113rin\u0101ta advok\u0101te Inese Gre\u0137e<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

            COBALT pied\u0101v\u0101 p\u0101rskatu par b\u016btisk\u0101kaj\u0101m aktualit\u0101t\u0113m: Cesijas Augst\u0101k\u0101s tiesas Sen\u0101ta Administrat\u012bvo lietu departamenta liet\u0101 Nr. SKA-68\/2021 nor\u0101d\u012bts, ka akt\u012bvu pat\u0113r\u0113t\u0101ja kred\u012btsaist\u012bbu cesija var notikt tikai t\u0101dam ties\u012bbu subjektam, kur\u0161 pats dr\u012bkst izsniegt \u0161\u0101dus kred\u012btus. Lai ar\u012b sprieduma teksts var \u0161\u0137ist..<\/p>\n","protected":false},"author":6,"featured_media":20230,"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-20229","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"\nJaunumi pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101 | COBALT<\/title>\n<meta name=\"description\" content=\"Jaunumi pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. News. Naujienos. Jaunumi. 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