{"id":27358,"date":"2023-09-24T13:36:56","date_gmt":"2023-09-24T10:36:56","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=27358"},"modified":"2024-06-19T12:24:10","modified_gmt":"2024-06-19T09:24:10","slug":"nesamerigi-un-godigai-darijumu-praksei-neatbilstosi-procenti","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/nesamerigi-un-godigai-darijumu-praksei-neatbilstosi-procenti\/","title":{"rendered":"Nesam\u0113r\u012bgi un god\u012bgai dar\u012bjumu praksei neatbilsto\u0161i procenti"},"content":{"rendered":"

Nesam\u0113r\u012bgi un god\u012bgai dar\u012bjumu praksei neatbilsto\u0161i procenti uzskat\u0101mi par prettiesiskiem atbilsto\u0161i Civillikuma (CL) 1764.pantam, k\u0101 ar\u012b \u0161ie procenti ir atz\u012bstami par sp\u0113k\u0101 neeso\u0161iem. Savuk\u0101rt, ja aizdevums izsniegts, apzin\u0101ti izmantojot aizdevuma \u0146\u0113m\u0113ja smago materi\u0101lo st\u0101vokli, un kura nosac\u012bjumi ir aiz\u0146\u0113m\u0113jam p\u0101rm\u0113r\u012bgi apgr\u016btino\u0161i, atbilsto\u0161i Krimin\u0101llikuma 201.pantam ir aug\u013co\u0161ana, par kuru ir paredz\u0113ta krimin\u0101latbild\u012bba. Kas ir nesam\u0113r\u012bgi procenti?<\/strong><\/p>\n

L\u012bgumsodu reforma<\/strong><\/p>\n

CL\u00a01764.panta<\/a>\u00a0norma ir radusies 2014.gada l\u012bgumsodu reformas rezult\u0101t\u0101, kas st\u0101j\u0101s sp\u0113k\u0101 2014.gada 1.janv\u0101r\u012b. Groz\u012bjumu anot\u0101cija nesniedz nor\u0101des par to, k\u0101di b\u016btu sam\u0113r\u012bgi un god\u012bgai dar\u012bjumu praksei atbilsto\u0161i procenti, bet gan piev\u0113r\u0161as t\u0101 laika l\u012bgumsodu piem\u0113ro\u0161anas problem\u0101tikai, kas noveda aiz\u0146\u0113m\u0113jus lielos un nep\u0101rvaramos par\u0101du j\u016bgos. T\u0101 laika\u00a0CL<\/a>\u00a0noteica, ka l\u012bgumsoda apm\u0113ru br\u012bvi nosaka l\u012bdz\u0113ji, bet pieaugo\u0161s vai procentu\u0101li izteikts l\u012bgumsods neaprobe\u017eoj\u0101s ar zaud\u0113jumu vai galven\u0101 pras\u012bjuma lielumu. Pras\u012bjumu summas par\u0101du atdo\u0161anas pras\u012bb\u0101s nereti vair\u0101kk\u0101rt p\u0101rsniedza pras\u012bjumu pamatsummas, kas naudas aizdo\u0161anu padar\u012bja par \u013coti ienes\u012bgu biznesu, paverdzinot par\u0101dniekus, kas parasti bija pat\u0113r\u0113t\u0101ji.<\/p>\n

T\u0101d\u0113j\u0101di ir sastopami viedok\u013ci, ka jaun\u0101 l\u012bgumsodu reformas ietvaros main\u012bt\u0101 norma par procentu lielumu p\u0101rsvar\u0101 attiecin\u0101ma uz nokav\u0113juma procentiem. Tom\u0113r pati norma visai tie\u0161i un visaptvero\u0161i run\u0101 par procentiem pla\u0161\u0101k\u0101 noz\u012bm\u0113. T\u0101p\u0113c nav viennoz\u012bm\u012bgas skaidr\u012bbas par to, ka \u0161\u012b norma b\u016btu piem\u0113rojama tikai attiec\u012bb\u0101 uz nokav\u0113juma procentiem un nav piem\u0113rojama uz l\u012bgumiskajiem procentiem par kapit\u0101la lietojumu (piem\u0113ram, aizdevuma l\u012bguma procentu likmi par aizdevuma lieto\u0161anu). Tas noz\u012bm\u0113, ka likumdev\u0113jam un ties\u0101m faktiski past\u0101v instruments noteikt vai konstat\u0113t jebk\u0101dus p\u0101rm\u0113r\u012bgus un negod\u012bgus procentus.<\/p>\n

Likumdev\u0113js \u0161o instrumentu jau ir izmantojis un noteicis da\u017e\u0101dus procentu un izmaksu ierobe\u017eojumus pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas jaut\u0101jumos. Savuk\u0101rt, izsme\u013co\u0161a un viennoz\u012bm\u012bga tiesu prakse, kas noteiktu krit\u0113rijus nesam\u0113r\u012bgiem un god\u012bgai dar\u012bjumu praksei neatbilsto\u0161iem procentiem, v\u0113l ir izveides proces\u0101. Ar interesi tiek gaid\u012bti tiesu secin\u0101jumi, v\u0113rt\u0113jot vienl\u012bdz\u012bgu dar\u012bjumu dal\u012bbnieku piel\u012bgtos l\u012bgumiskos procentus par kapit\u0101la lieto\u0161anu, jo eso\u0161\u0101 tiesu prakse p\u0101rsvar\u0101 ir par nokav\u0113juma procentu p\u0101rm\u0113r\u012bgumu dar\u012bjuma attiec\u012bb\u0101s, kur\u0101 viena puse ir pat\u0113r\u0113t\u0101js.<\/p>\n

Neatbilsto\u0161ie procenti tiesu praks\u0113<\/strong><\/p>\n

J\u0101piebilst, ka procentu sam\u0113r\u012bguma kontrole tiesu zi\u0146\u0101 ir bijusi ar\u012b pirms piemin\u0113t\u0101s CL\u00a01764.panta<\/a>\u00a0normas iestr\u0101des. Proti, ties\u0101m ir bijusi iesp\u0113ja v\u0113rt\u0113t p\u0101rm\u0113r\u012bgi augstus procentus k\u0101 neatbilsto\u0161us CL\u00a01.pant\u0101<\/a>\u00a0noteiktajai labas tic\u012bbas m\u0113rauklai, kas nosaka, ka\u00a0ties\u012bbas izlietojamas un pien\u0101kumi pild\u0101mi p\u0113c labas tic\u012bbas,\u00a0<\/em>un nedr\u012bkst nepamatoti iedz\u012bvoties uz cita r\u0113\u0137ina. Sen\u0101ts 2012.gada 17.decembra\u00a0spriedum\u0101 liet\u0101 SKC-262\/2012<\/a>\u00a0nor\u0101d\u012bja, ka tiesa ir ties\u012bga v\u0113rt\u0113t piel\u012bgto procentu atbilst\u012bbu CL\u00a01.pant\u0101<\/a>\u00a0ietvertajam labas tic\u012bbas principam. Tika noteikts, ka procentiem nedr\u012bkst pied\u0113v\u0113t soda raksturu un jaukt tos ar procentos izteiktu l\u012bgumsodu. Savuk\u0101rt nokav\u0113juma gad\u012bjum\u0101 procentu maks\u0101\u0161anas pien\u0101kums iedarbojas k\u0101 pamudin\u0101jums par\u0101da \u0101tr\u0101kai nok\u0101rto\u0161anai.<\/p>\n

Tom\u0113r iev\u0113r\u012bbas cien\u012bgs ir Sen\u0101ta Civillietu departamenta 2017.gada 24.augusta\u00a0spriedums liet\u0101 SKC-211\/2017<\/a>, ar kuru tiesa atzina priv\u0101taunonomijas principa (l\u012bgumu br\u012bv\u012bbas princips, saska\u0146\u0101 ar kuru l\u012bdzties\u012bgi dar\u012bjuma partneri var br\u012bvi st\u0101ties l\u012bgumattiec\u012bb\u0101s un katras personas zi\u0146\u0101 ir izv\u0113l\u0113ties l\u012bgumpartneri un t\u0101 noteikumus) p\u0101r\u0101kumu dar\u012bjum\u0101, kas nosl\u0113gts starp div\u0101m vienl\u012bdz\u012bg\u0101m person\u0101m, proti, t\u0101d\u0101m person\u0101m, kur viens no l\u012bgumpartneriem nav ekonomiski v\u0101j\u0101ks par otru un l\u012bdz ar to nav potenci\u0101li pak\u013cauts ekonomiski sp\u0113c\u012bg\u0101k\u0101 l\u012bgumpartnera m\u0113\u0123in\u0101jumiem dikt\u0113t savus noteikumus. J\u0101piebilst gan, ka \u0161is str\u012bdus dar\u012bjums bija nosl\u0113gts 2008.gad\u0101, lai gan str\u012bds past\u0101v\u0113ja tie\u0161i par 100% procentu maks\u0101\u0161anas saist\u012bbu, kuru apgabaltiesa bija samazin\u0101jusi. Savuk\u0101rt CL\u00a01764.panta<\/a>\u00a0jauno redakciju nepiem\u0113roja atbilsto\u0161i CL\u00a03.pantam<\/a>, jo dar\u012bjums ir j\u0101v\u0113rt\u0113 p\u0113c t\u0101 laika\u00a0likuma<\/a>, kur\u0101 dar\u012bjums ir bijis nosl\u0113gts.<\/p>\n

Past\u0101vo\u0161aj\u0101 tiesu praks\u0113 un ties\u012bbu doktr\u012bn\u0101 domin\u0113 t\u0101das atzi\u0146as, ka procentu, k\u0101 atl\u012bdz\u012bbas par sve\u0161a kapit\u0101la lieto\u0161anas atv\u0113l\u0113jumu vai atdo\u0161anas kav\u0113jumu, galven\u0101 funkcija ir nodro\u0161in\u0101t tirgus ekonomikai rakstur\u012bgo ekvivalenci, kas ietver pie\u0146\u0113mumu, ka kapit\u0101ls parasti nes aug\u013cus. Nokav\u0113juma procentiem var b\u016bt augst\u0101ks apm\u0113rs, nek\u0101 procentiem par kapit\u0101la lietojumu, jo nokav\u0113juma procentiem ir ar\u012b pamudin\u0101juma raksturs atdot par\u0101du \u0101tr\u0101k. Tom\u0113r procentiem nedr\u012bkst pied\u0113v\u0113t soda raksturu un jaukt to ar procentos izteiktu l\u012bgumsodu. CL\u00a01765.pant\u0101<\/a>\u00a0nor\u0101d\u012bts – ja likumisko procentu apm\u0113rs ir 6% no 100% gad\u0101, tad par t\u0101da naudas par\u0101da samaksas nokav\u0113jumu starp komersantiem ir asto\u0146i procentpunkti virs procentu Eiropas Centr\u0101l\u0101 banka noteikt\u0101s pamatlikmes; savuk\u0101rt l\u012bguma attiec\u012bb\u0101s, kur\u0101s piedal\u0101s pat\u0113r\u0113t\u0101js, tie pa\u0161i 6% no 100% gad\u0101.<\/p>\n

God\u012bgi procenti<\/strong><\/p>\n

Kapit\u0101la k\u0101 aug\u013cus neso\u0161as lietas ekonomisk\u0101 atdeve netiek strikti reglament\u0113ta, un t\u0101p\u0113c ir \u013coti apgr\u016btino\u0161i noteikt vispus\u012bgi piem\u0113rojamus krit\u0113rijus god\u012bgiem procentiem. Jo vair\u0101k \u2013 maz\u0101ki procenti piem\u0113rojami ilgtermi\u0146a kredit\u0113\u0161an\u0101, bet augst\u0101ki, savuk\u0101rt, vid\u0113ja un \u012bsa termi\u0146a kredit\u0113\u0161an\u0101. T\u0101d\u0113j\u0101di procentu lielums ir atkar\u012bgs no da\u017e\u0101diem parametriem un p\u0101rsvar\u0101 tiek noteikts, balstoties uz individu\u0101la izv\u0113rt\u0113jama atkar\u012bb\u0101 no dar\u012bjumu pus\u0113m, to ekonomisk\u0101 st\u0101vok\u013ca, dar\u012bjuma veida, summas, termi\u0146a un citiem aspektiem. T\u0101p\u0113c god\u012bgu un dar\u012bjumu praksei atbilsto\u0161u procentu noteik\u0161ana ir \u013coti individu\u0101la, atkar\u012bga no konkr\u0113t\u0101 dar\u012bjuma, un tai nav piem\u0113rojama viena m\u0113raukla. K\u0101 viens no krit\u0113rijiem procentu noteik\u0161anai minams nosac\u012bjums, ka procentu summa nep\u0101rsniedz pamatsummas lielumu, jo likumdev\u0113js ir paredz\u0113jis slieksni, CL\u00a01763.pant\u0101<\/a>\u00a0nosakot, ka procentu pieaugums apst\u0101jas, kad v\u0113l nesamaks\u0101to procentu daudzums sasniedz kapit\u0101la lielumu.<\/p>\n

Pieskaroties ar\u012b Krimin\u0101llikuma\u00a0201.pant\u0101<\/a>\u00a0noteikt\u0101 noziedz\u012bg\u0101 nodar\u012bjuma sast\u0101vam, nor\u0101d\u0101ms, ka praks\u0113 tom\u0113r gr\u016bti pier\u0101d\u012bt aizdevuma \u0146\u0113m\u0113ja smag\u0101 materi\u0101l\u0101 st\u0101vok\u013ca izmanto\u0161anu ar p\u0101rm\u0113r\u012bgi apgr\u016btino\u0161iem aizdevuma nosac\u012bjumiem. Tom\u0113r ir atrodams spriedums krimin\u0101lliet\u0101 12502003810, ar kuru piem\u0113rots piespiedu darbs uz 40 stund\u0101m par \u0161\u0101du nodar\u012bjumu. Lietas b\u016bt\u012bba bija t\u0101da, ka 2007.gad\u0101 tika izsniegti divi aizdevumi 1000 latu apm\u0113r\u0101, paredzot l\u012bgumsodu 50% apm\u0113r\u0101 no neatdot\u0101s aizdevuma summas par katru kav\u0113juma dienu. Lai gan \u0161\u012b lieta nav saist\u012bta ar kapit\u0101la lieto\u0161anas p\u0101rm\u0113r\u012bgiem procentiem (bet gan l\u012bgumsodu), tom\u0113r tas ir rets spriedums, ar kuru konstat\u0113ts ne tikai tas, ka aizdev\u0113js apzin\u0101j\u0101s aiz\u0146\u0113m\u0113ja gr\u016bto materi\u0101lo st\u0101vokli, bet ar\u012b tas, ka 50% dien\u0101 ir p\u0101r\u0101k apgr\u016btino\u0161as saist\u012bbas, kas rezult\u0113j\u0101s ar to, ka aps\u016bdz\u0113tais bija piedzinis pamatpar\u0101du, l\u012bgumsodu par 165 dien\u0101m un likumiskos procentus par kop\u0113jo summu gandr\u012bz 170\u00a0000 latu apm\u0113r\u0101. \u0160\u0137iet, ka p\u0101rm\u0113r\u012bgi apgr\u016btino\u0161ie aizdevuma nosac\u012bjumi \u0161eit ir ac\u012bmredzami.<\/p>\n

Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas regul\u0113jums procentu piem\u0113ro\u0161an\u0101<\/strong><\/p>\n

Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma (PTAL)\u00a08.panta<\/a>\u00a02.2<\/sup>\u00a0un 2.3<\/sup>da\u013ca nosaka, ka pat\u0113r\u0113t\u0101ja kredit\u0113\u0161anas l\u012bguma izmaks\u0101m j\u0101b\u016bt sam\u0113r\u012bg\u0101m un atbilsto\u0161\u0101m god\u012bgai dar\u012bjumu praksei, bet kred\u012bta kop\u0113j\u0101s izmaksas pat\u0113r\u0113t\u0101jam uzskata par neatbilsto\u0161\u0101m, ja t\u0101s p\u0101rsniedz 0,07% dien\u0101 no kred\u012bta summas.<\/p>\n

Par kred\u012bta kop\u0113j\u0101m izmaks\u0101m uzskata visas kred\u012bta dev\u0113jam zin\u0101m\u0101s izmaksas, kas pat\u0113r\u0113t\u0101jam j\u0101maks\u0101 saist\u012bb\u0101 ar kredit\u0113\u0161anas l\u012bgumu, kas ietver komisijas naudas, nodevas un jebk\u0101dus citus maks\u0101jumus, taj\u0101 skait\u0101 procentus. T\u0101d\u0113j\u0101di ir iesp\u0113jams secin\u0101t likumdev\u0113ja maksim\u0101li pie\u013cauto procentu likmi pie nosac\u012bjuma, ja visas p\u0101r\u0113j\u0101s izmaksas ir nulle. Proti, ja pat\u0113r\u0113t\u0101jam nav j\u0101maks\u0101 nek\u0101das citas maksas, tad uz visu pat\u0113r\u0113t\u0101ja kredit\u0113\u0161anas l\u012bguma darb\u012bbas laiku procentu likme dien\u0101 nedr\u012bkst p\u0101rsniegt 0,07%.<\/p>\n

\u012apa\u0161u izmaksu apjomu\u00a0PTAL<\/a>\u00a0nosaka attiec\u012bb\u0101 uz \u013coti \u012bsa termi\u0146a aizdevumiem. Atbilsto\u0161i PTAL\u00a08.panta<\/a>\u00a02.4<\/sup>da\u013cai, ja kredit\u0113\u0161anas l\u012bgums paredz kred\u012bta atmaksu laika posm\u0101, kas nep\u0101rsniedz tr\u012bs m\u0113ne\u0161us, tad jebkuru ar kred\u012btu saist\u012bto izdevumu summa, kas ietver komisijas maksu, termi\u0146a atlik\u0161anu un citu ar kred\u012bta l\u012bguma izpildi saist\u012bto maks\u0101jumu summu, taj\u0101 skait\u0101 procentus, nokav\u0113juma procentus, l\u012bgumsodu, nedr\u012bkst p\u0101rsniegt izsniegt\u0101 kred\u012bta summu.<\/p>\n

Savuk\u0101rt attiec\u012bb\u0101 uz nokav\u0113juma procentiem PTAL\u00a08.panta<\/a>\u00a02.6<\/sup>da\u013ca nosaka, ka nokav\u0113juma procentu noteikums nav sp\u0113k\u0101, ja nokav\u0113juma procentu likme ir liel\u0101ka par 36 procentpunktiem virs aiz\u0146\u0113muma gada likmes. Tom\u0113r \u0161is noteikums nav piem\u0113rojams hipotek\u0101rajiem kred\u012btiem un kred\u012btu l\u012bgumiem, kurus nosl\u0113dzis ra\u017eot\u0101js, p\u0101rdev\u0113js vai pakalpojuma sniedz\u0113js.<\/p>\n

Sekas l\u012bgumattiec\u012bb\u0101s, ja procenti ir par p\u0101rm\u0113r\u012bgi<\/strong><\/p>\n

Tiesas atsevi\u0161\u0137os gad\u012bjumos ir samazin\u0101ju\u0161as p\u0101rm\u0113r\u012bgos procentus. Tom\u0113r, ja atbilsto\u0161i CL\u00a01764.pantam<\/a>\u00a0procentus nov\u0113rt\u0113 k\u0101 prettiesiskus, tiem esot nesam\u0113r\u012bgiem vai god\u012bgai dar\u012bjumu praksei neatbilsto\u0161iem procentiem, to piem\u0113ro\u0161ana b\u016btu absol\u016bti izsl\u0113dzama, tos nesamazinot un negrozot. \u0160\u0101ds v\u0113rt\u0113jums b\u016btu sniedzams kopsakar\u0101 ar CL\u00a01592.pantu<\/a>, kas nosaka, ka\u00a0neviens l\u012bgums, kas veicina kaut ko pretlikum\u012bgu, netikum\u012bgu vai negod\u012bgu, nesaista<\/em>, k\u0101 ar\u012b CL\u00a01415.pantam<\/a>, kas nosaka, ka\u00a0neat\u013cauta un nepiekl\u0101j\u012bga darb\u012bba, kuras m\u0113r\u0137is ir pret\u0113js reli\u0123ijai, likumiem vai labiem tikumiem, vai kura v\u0113rsta uz to, lai apietu likumu, nevar b\u016bt par tiesiska dar\u012bjuma priek\u0161metu; t\u0101ds dar\u012bjums nav sp\u0113k\u0101<\/em>. T\u0101d\u0113j\u0101di, attiec\u012bb\u0101 uz piel\u012bgtajiem procentiem, kas tiek atz\u012bti par prettiesiskiem, b\u016btu j\u0101uzskata, ka t\u0101da vieno\u0161an\u0101s nesaista un piel\u012bgtie procenti nav maks\u0101jami visp\u0101r. Savuk\u0101rt, kad uzskat\u0101ms, ka procenti nav piel\u012bgti, tad piem\u0113rojami likumiskie procenti atbilsto\u0161i CL\u00a01765.pantam<\/a>.<\/p>\n

T\u0101di apsv\u0113rumi ir secin\u0101mi pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas jom\u0101. PTAL\u00a06.panta<\/a>\u00a08.da\u013ca nosaka, ka ra\u017eot\u0101ja, p\u0101rdev\u0113ja vai pakalpojuma sniedz\u0113ja un pat\u0113r\u0113t\u0101ja nosl\u0113gtaj\u0101 l\u012bgum\u0101 ietvertie netaisn\u012bgie noteikumi nav sp\u0113k\u0101 no l\u012bguma nosl\u0113g\u0161anas br\u012b\u017ea, bet l\u012bgums paliek sp\u0113k\u0101, ja tas var past\u0101v\u0113t ar\u012b turpm\u0101k, kad izsl\u0113gti netaisn\u012bgie noteikumi. Par netaisn\u012bgiem l\u012bguma noteikumiem atbilsto\u0161i PTAL\u00a06.panta<\/a>\u00a03.da\u013cai, cita starp\u0101, ir uzskat\u0101mi t\u0101di noteikumi, kas uzliek pat\u0113r\u0113t\u0101jam neproporcion\u0101li lielu l\u012bgumsodu vai citu kompens\u0101ciju par l\u012bgumsaist\u012bbu neizpildi vai nepien\u0101c\u012bgu izpildi vai kas ir pretrun\u0101 ar PTAL\u00a05.pant\u0101<\/a>\u00a0noteikto l\u012bgumsl\u0113dz\u0113ju pu\u0161u tiesisk\u0101s vienl\u012bdz\u012bbas principu (pat\u0113r\u0113t\u0101ju nost\u0101da neizdev\u012bg\u0101 st\u0101vokl\u012b un ir pretrun\u0101 ar labtic\u012bguma pras\u012bb\u0101m). Ja noteikumu atz\u012bst par netaisn\u012bgu, tad attiec\u012bb\u0101 pret pat\u0113r\u0113t\u0101ju \u0161o noteikumu nepiem\u0113ro visp\u0101r, un t\u0101d\u0113j\u0101di ir piem\u0113rojami tikai likumiskie 6%.<\/p>\n

Publik\u0101cija: itiesibas.lv<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Nesam\u0113r\u012bgi un god\u012bgai dar\u012bjumu praksei neatbilsto\u0161i procenti uzskat\u0101mi par prettiesiskiem atbilsto\u0161i Civillikuma (CL) 1764.pantam, k\u0101 ar\u012b \u0161ie procenti ir atz\u012bstami par sp\u0113k\u0101 neeso\u0161iem. Savuk\u0101rt, ja aizdevums izsniegts, apzin\u0101ti izmantojot aizdevuma \u0146\u0113m\u0113ja smago materi\u0101lo st\u0101vokli, un kura nosac\u012bjumi ir aiz\u0146\u0113m\u0113jam p\u0101rm\u0113r\u012bgi..<\/p>\n","protected":false},"author":6,"featured_media":2253,"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-27358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"\nNesam\u0113r\u012bgi un god\u012bgai dar\u012bjumu praksei neatbilsto\u0161i procenti | COBALT<\/title>\n<meta name=\"description\" content=\"Nesam\u0113r\u012bgi un god\u012bgai dar\u012bjumu praksei neatbilsto\u0161i procenti. News. Naujienos. Jaunumi. 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