{"id":43243,"date":"2025-03-11T16:28:06","date_gmt":"2025-03-11T14:28:06","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=43243"},"modified":"2025-03-20T10:54:42","modified_gmt":"2025-03-20T08:54:42","slug":"vebinars-aktualitates-pateretaju-kreditesana-un-mantojuma-reformas-ietekme-uz-kreditesanu","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/vebinars-aktualitates-pateretaju-kreditesana-un-mantojuma-reformas-ietekme-uz-kreditesanu\/","title":{"rendered":"Vebin\u0101rs | Aktualit\u0101tes pat\u0113r\u0113t\u0101ju kredit\u0113\u0161an\u0101 un mantojuma reformas ietekme uz kredit\u0113\u0161anu (video)"},"content":{"rendered":"<p>2025. gada 25. j\u016blij\u0101 Eiropas Savien\u012bb\u0101 tika pie\u0146emta Otr\u0101 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas direkt\u012bva (2023\/2225), lai stiprin\u0101tu pat\u0113r\u0113t\u0101ju aizsardz\u012bbu attiec\u012bb\u0101 uz kred\u012btiem. T\u0101 papla\u0161ina iepriek\u0161\u0113j\u0101s direkt\u012bvas darb\u012bbas jomu un attiecas uz pla\u0161\u0101ku kred\u012btu kl\u0101stu, tostarp &#8220;p\u0113rc tagad, maks\u0101 v\u0113l\u0101k&#8221; pakalpojumiem, ja tajos ir iesaist\u012bti tre\u0161o pu\u0161u pakalpojumu sniedz\u0113ji.<\/p>\n<p>Dal\u012bbvalst\u012bm jaun\u0101s direkt\u012bvas \u012bsteno\u0161anai j\u0101pie\u0146em likumi un noteikumi, kam j\u0101st\u0101jas sp\u0113k\u0101 no 2026. gada 20. novembra. Tom\u0113r Latvij\u0101 paredzams, ka atsevi\u0161\u0137as ties\u012bbu normas st\u0101sies sp\u0113k\u0101 jau 2025. gad\u0101, turkl\u0101t ar iesp\u0113jamiem nacion\u0101la l\u012bme\u0146a papildin\u0101jumiem. L\u012bdz ar to vebin\u0101r\u0101 apl\u016bkosim ar\u012b paredz\u0113tos groz\u012bjumus Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101.<\/p>\n<p>Jaunie noteikumi \u012bpa\u0161u uzman\u012bbu piev\u0113r\u0161 pat\u0113r\u0113t\u0101ju aizsardz\u012bbai pret p\u0101rm\u0113r\u012bg\u0101m izmaks\u0101m un augst\u0101m maks\u0101m par kav\u0113tiem maks\u0101jumiem, k\u0101 ar\u012b paredz stingr\u0101kas pras\u012bbas attiec\u012bb\u0101 uz kred\u012btdev\u0113ju pien\u0101kumiem p\u0101rbaud\u012bt aiz\u0146\u0113m\u0113ju sp\u0113ju atmaks\u0101t aizdevumu. Tas sasaucas ar\u012b ar PTAC l\u0113mumiem, uzsverot noz\u012bm\u012bgumu v\u0113rt\u0113t pat\u0113r\u0113t\u0101ju sp\u0113ju atmaks\u0101t kred\u012btu jau saska\u0146\u0101 ar sp\u0113k\u0101 eso\u0161ajiem normat\u012bvajiem aktiem. Vebin\u0101r\u0101 apl\u016bkosim atsevi\u0161\u0137us un b\u016btisk\u0101kos no tiem, k\u0101 ar\u012b kolekt\u012bvu pras\u012bbu potenci\u0101lo ietekmi uz str\u012bdiem starp pat\u0113r\u0113t\u0101ju un kred\u012bta dev\u0113ju.<\/p>\n<p>J\u0101\u0146em ar\u012b v\u0113r\u0101, ka no 2025. gada 1. janv\u0101ra ir sp\u0113k\u0101 jaun\u0101 mantojuma reforma, kas ievie\u0161 vair\u0101kas izmai\u0146as manto\u0161anas k\u0101rt\u012bb\u0101. Lai gan daudzi eso\u0161ie principi paliek nemain\u012bgi, tiek ieviests mantinieka ierobe\u017eotas atbild\u012bbas princips. Tas b\u016btiski maina pieeju, k\u0101 kred\u012bta dev\u0113jam nodro\u0161in\u0101t savu intere\u0161u aizsardz\u012bbu. Vebin\u0101r\u0101 pied\u0101v\u0101sim ieskatu b\u016btisk\u0101kajos jaunin\u0101jumos, k\u0101 ar\u012b sniegsim skaidrojumus attiec\u012bb\u0101 uz finan\u0161u pakalpojumiem mantojuma lietas ietvaros.<\/p>\n<p>Vebin\u0101rs noder\u0113s bank\u0101m, citiem kred\u012btu dev\u0113jiem un par\u0101du atg\u016b\u0161anas uz\u0146\u0113mumiem, k\u0101 ar\u012b jebkuram citam nodro\u0161in\u0101tam vai nenodro\u0161in\u0101tam kreditoram, kura intereses var ietekm\u0113t mantojuma regul\u0113jums.<\/p>\n<p><strong>Programm\u0101:<\/strong><\/p>\n<ul>\n<li>Regulatoru ekspekt\u0101cijas pat\u0113r\u0113t\u0101ju kredit\u0113\u0161an\u0101. Groz\u012bjumi likum\u0101.<\/li>\n<li>Gaid\u0101mie groz\u012bjumi \u2013 Otr\u0101 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas direkt\u012bva. Kas main\u0101s?<\/li>\n<li>VID datu nepieejam\u012bba \u2013 k\u0101 r\u012bkoties?<\/li>\n<li>Da\u017ei netipiskie nodok\u013cu re\u017e\u012bmi \u2013 k\u0101 v\u0113rt\u0113t klienta maks\u0101tsp\u0113ju?<\/li>\n<li>Mantojuma reform\u0101 paredz\u0113t\u0101s ierobe\u017eot\u0101s atbild\u012bbas sekas.<\/li>\n<li>Ko noz\u012bm\u0113 mantinieka ierobe\u017eot\u0101 atbild\u012bba un kad t\u0101 svar\u012bga?<\/li>\n<li>Iz\u0146\u0113mumi \u2013 kad ierobe\u017eot\u0101 atbild\u012bba nedarbojas kredit\u0113\u0161anas pakalpojumos?<\/li>\n<li>Padomi \u2013 kam sekot l\u012bdzi un k\u0101 r\u012bkoties, lai izsl\u0113gtu negodpr\u0101t\u012bgu mantinieku r\u012bc\u012bbu?<\/li>\n<\/ul>\n<p><strong>Vebin\u0101ra lektori:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.cobalt.legal\/lv\/people\/edgars-pastars\/\">Edgars Pastars<\/a> \/ Partneris, zv\u0113rin\u0101ts advok\u0101ts, CAMS, CGSS<\/li>\n<li><a href=\"https:\/\/www.cobalt.legal\/lv\/people\/sabine-zaula\/\">Sab\u012bne Zaula<\/a> \/ Vec\u0101k\u0101 speci\u0101liste, zv\u0113rin\u0101ta advok\u0101ta pal\u012bdze<\/li>\n<\/ul>\n<p><strong>Pieteik\u0161an\u0101s:<\/strong> Re\u0123istr\u0101cija ir nosl\u0113gusies<\/p>\n<div class=\"brlbs-cmpnt-container brlbs-cmpnt-content-blocker brlbs-cmpnt-with-individual-styles\" data-borlabs-cookie-content-blocker-id=\"youtube-content-blocker\" data-borlabs-cookie-content=\"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\">\n<div class=\"brlbs-cmpnt-cb-preset-c brlbs-cmpnt-cb-youtube\">\n<div class=\"brlbs-cmpnt-cb-thumbnail\" style=\"background-image: url('https:\/\/www.cobalt.legal\/wp-content\/uploads\/borlabs-cookie\/1\/yt_jYNKVgZK3MI_hqdefault.jpg')\"><\/div>\n<div class=\"brlbs-cmpnt-cb-main\">\n<div class=\"brlbs-cmpnt-cb-play-button\"><\/div>\n<div class=\"brlbs-cmpnt-cb-content\">\n<p class=\"brlbs-cmpnt-cb-description\">You are currently viewing a placeholder content from <strong>YouTube<\/strong>. To access the actual content, click the button below. Please note that doing so will share data with third-party providers.<\/p>\n<p> <a class=\"brlbs-cmpnt-cb-provider-toggle\" href=\"#\" data-borlabs-cookie-show-provider-information role=\"button\">More Information<\/a> <\/div>\n<div class=\"brlbs-cmpnt-cb-buttons\"> <a class=\"brlbs-cmpnt-cb-btn\" href=\"#\" data-borlabs-cookie-unblock role=\"button\">Unblock content<\/a> <a class=\"brlbs-cmpnt-cb-btn\" href=\"#\" data-borlabs-cookie-accept-service role=\"button\" style=\"display: none\">Accept required service and unblock content<\/a> <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>2025. gada 25. j\u016blij\u0101 Eiropas Savien\u012bb\u0101 tika pie\u0146emta Otr\u0101 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas direkt\u012bva (2023\/2225), lai stiprin\u0101tu pat\u0113r\u0113t\u0101ju aizsardz\u012bbu attiec\u012bb\u0101 uz kred\u012btiem. T\u0101 papla\u0161ina iepriek\u0161\u0113j\u0101s direkt\u012bvas darb\u012bbas jomu un attiecas uz pla\u0161\u0101ku kred\u012btu kl\u0101stu, tostarp &#8220;p\u0113rc tagad, maks\u0101 v\u0113l\u0101k&#8221; pakalpojumiem, ja tajos..<\/p>\n","protected":false},"author":11,"featured_media":43244,"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-43243","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 Premium plugin v28.4 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Vebin\u0101rs | Aktualit\u0101tes pat\u0113r\u0113t\u0101ju kredit\u0113\u0161an\u0101 un mantojuma reformas ietekme uz kredit\u0113\u0161anu (video) | COBALT<\/title>\n<meta name=\"description\" content=\"Vebin\u0101rs | Aktualit\u0101tes pat\u0113r\u0113t\u0101ju kredit\u0113\u0161an\u0101 un mantojuma reformas ietekme uz kredit\u0113\u0161anu (video). 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