{"id":50992,"date":"2026-01-05T11:24:37","date_gmt":"2026-01-05T09:24:37","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=50992"},"modified":"2026-01-05T11:24:37","modified_gmt":"2026-01-05T09:24:37","slug":"atliktie-maksajumi-klus-par-kreditiem","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/atliktie-maksajumi-klus-par-kreditiem\/","title":{"rendered":"Atliktie maks\u0101jumi k\u013c\u016bs par kred\u012btiem"},"content":{"rendered":"

Da\u017e\u0101du uz\u0146\u0113mumu klienti ir iecien\u012bju\u0161i \u201cp\u0113rc tagad, maks\u0101 v\u0113l\u0101k\u201d nor\u0113\u0137inu risin\u0101jumu. \u0160ie maks\u0101jumi k\u0101du laiku bija nosac\u012bt\u0101 pel\u0113kaj\u0101 zon\u0101, tom\u0113r tagad tam dar\u012bts gals. No 2026.gada 20.novembra atliktie maks\u0101jumi Latvij\u0101 un vis\u0101 Eiropas Savien\u012bb\u0101 tiks pilnv\u0113rt\u012bgi pak\u013cauti pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas regul\u0113jumam. Kas main\u012bsies, un k\u0101 sagatavoties jaunaj\u0101m pras\u012bb\u0101m?<\/strong><\/p>\n

\u0160obr\u012bd Latvij\u0101 atlikt\u0101 maks\u0101juma risin\u0101jumi tiek v\u0113rt\u0113ti p\u0113c dar\u012bjuma b\u016bt\u012bbas. Proti, ja pat\u0113r\u0113t\u0101jam faktiski tiek pie\u0161\u0137irts finans\u0113jums un par to tiek pras\u012bti procenti vai citi maks\u0101jumi, to regul\u0113 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas ties\u012bbu akti un ir nepiecie\u0161ama Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) licence. Tom\u0113r jau pa\u0161laik past\u0101v vair\u0101ki iz\u0146\u0113mumi\u00a0\u2013 pras\u012bbas neattiecas uz bezprocentu vieno\u0161an\u0101m par atliktu samaksu, uz \u012bstermi\u0146a kred\u012btiem (l\u012bdz 3 m\u0113ne\u0161iem) ar nenoz\u012bm\u012bgiem papildu maks\u0101jumiem, k\u0101 ar\u012b uz situ\u0101cij\u0101m, kad uz\u0146\u0113mums savu preci vai pakalpojumu pats pied\u0101v\u0101 atlikta maks\u0101juma veid\u0101.<\/p>\n

Tom\u0113r 2023.gad\u0101 pie\u0146emt\u0101\u00a0direkt\u012bva 2023\/2225<\/a>\u00a0par pat\u0113r\u0113t\u0101ju kred\u012btl\u012bgumiem fundament\u0101li maina sp\u0113les noteikumus tirgot\u0101jiem, pat\u0113r\u0113t\u0101jiem un finan\u0161u pakalpojumu sniedz\u0113jiem.<\/p>\n

K\u0101p\u0113c izmai\u0146as tiek ieviestas<\/strong><\/span><\/h4>\n

Finan\u0161u pakalpojumu dinamika p\u0113d\u0113j\u0101s desmitgad\u0113s ir bijusi \u012bpa\u0161i strauja. L\u012bdztekus tradicion\u0101lajiem aizdevumiem\u00a0\u2013 ar skaidri noteiktu procentu likmi, termi\u0146u, maks\u0101jumu grafiku un detaliz\u0113tiem l\u012bguma nosac\u012bjumiem\u00a0\u2013 arvien pla\u0161\u0101k tiek pied\u0101v\u0101ti ar\u012b elast\u012bg\u0101ki nor\u0113\u0137inu risin\u0101jumi.<\/p>\n

\u012apa\u0161i strauji ir att\u012bst\u012bju\u0161ies risin\u0101jumi, kas preci vai pakalpojumu \u013cauj sa\u0146emt uzreiz, bet samaks\u0101t v\u0113l\u0101k vai pa da\u013c\u0101m, nereti akcent\u0113jot, ka form\u0101la procentu likme netiek piem\u0113rota. Tie\u0161i \u0161\u012b komunik\u0101cija un vienk\u0101r\u0161ota pieejam\u012bba praks\u0113 rada situ\u0101ciju, kur\u0101 pat\u0113r\u0113t\u0101jam var pazust robe\u017ea starp \u0113rtu maks\u0101jumu iesp\u0113ju un re\u0101l\u0101m par\u0101dsaist\u012bb\u0101m.<\/p>\n

Rezult\u0101t\u0101 veidojas div\u0113j\u0101da aina. No vienas puses, pat\u0113r\u0113t\u0101ji ieg\u016bst \u0101tru, \u0113rtu un bie\u017ei vien tehnolo\u0123iski labi integr\u0113tu risin\u0101jumu, kas uzlabo pirkuma pieredzi un \u013cauj elast\u012bg\u0101k pl\u0101not ikm\u0113ne\u0161a izdevumus. No otras puses, da\u013ca pat\u0113r\u0113t\u0101ju nepietiekami apzin\u0101s, ka atliktais maks\u0101jums p\u0113c b\u016bt\u012bbas ir finan\u0161u saist\u012bbas\u00a0\u2013 ar konkr\u0113tu atmaksas termi\u0146u, potenci\u0101l\u0101m izmaks\u0101m kav\u0113juma gad\u012bjum\u0101 un ietekmi uz kop\u0113jo bud\u017eetu. \u0160\u0101da nepaman\u0101ma aiz\u0146em\u0161an\u0101s \u012bpa\u0161i \u0101tri var uzkr\u0101ties, ja vienlaikus tiek izmantoti vair\u0101ki atlikt\u0101 maks\u0101juma dar\u012bjumi, pat\u0113r\u0113t\u0101jam pa\u0161am l\u012bdz galam neizv\u0113rt\u0113jot kop\u0113jo slogu.<\/p>\n

Kam\u0113r tradicion\u0101lie kred\u012btdev\u0113ji\u00a0\u2013 kred\u012btiest\u0101des un licenc\u0113ti pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas uz\u0146\u0113mumi\u00a0\u2013 darbojas stingr\u0101 uzraudz\u012bbas re\u017e\u012bm\u0101, iev\u0113ro kapit\u0101la un atbilst\u012bbas pras\u012bbas, klientu inform\u0113\u0161anas standartus un kred\u012btsp\u0113jas izv\u0113rt\u0113juma pien\u0101kumus, atlikt\u0101 maks\u0101juma risin\u0101jumi daudzviet ir att\u012bst\u012bju\u0161ies \u0101rpus l\u012bdzv\u0113rt\u012bga regul\u0113juma. Tas savuk\u0101rt rada nevienl\u012bdz\u012bgus konkurences apst\u0101k\u013cus tirg\u016b un palielina riskus pat\u0113r\u0113t\u0101ju aizsardz\u012bbai.<\/p>\n

Praks\u0113 \u0161ie riski visbie\u017e\u0101k izpau\u017eas br\u012b\u017eos, kad pat\u0113r\u0113t\u0101js nepietiekamas inform\u0101cijas vai p\u0101r\u0101k optimistiska finan\u0161u pa\u0161v\u0113rt\u0113juma d\u0113\u013c uz\u0146emas saist\u012bbas, kuras k\u013c\u016bst gr\u016bti izpild\u0101mas. Kav\u0113jumu maksas, l\u012bgumsodi, par\u0101du piedzi\u0146as izmaksas vai negat\u012bva ietekme uz kred\u012btv\u0113sturi var iest\u0101ties relat\u012bvi \u0101tri, un bezprocentu sol\u012bjums \u0161\u0101d\u0101s situ\u0101cij\u0101s vairs nenoz\u012bm\u0113, ka risin\u0101jums pat\u0113r\u0113t\u0101jam ir l\u0113ts vai nekait\u012bgs. T\u0101p\u0113c Eiropas Savien\u012bbas l\u012bmen\u012b aizvien skaidr\u0101k iez\u012bm\u0113jas m\u0113r\u0137is pan\u0101kt vienotu pieeju, lai l\u012bdz\u012bgas par\u0101dsaist\u012bbas tiktu v\u0113rt\u0113tas p\u0113c l\u012bdz\u012bgiem principiem un pat\u0113r\u0113t\u0101ju aizsardz\u012bba b\u016btu efekt\u012bva neatkar\u012bgi no t\u0101, k\u0101 konkr\u0113tais produkts ir reklam\u0113ts vai tehniski noform\u0113ts.<\/p>\n

Kas main\u0101s praks\u0113<\/strong><\/span><\/h4>\n

Galven\u0101 konceptu\u0101l\u0101 p\u0101rmai\u0146a ir pavisam skaidra\u00a0\u2013 atliktais maks\u0101jums vairs netiek v\u0113rt\u0113ts tikai k\u0101 \u0113rt\u0101ks nor\u0113\u0137inu veids, bet noteiktos apst\u0101k\u013cos tiks kvalific\u0113ts k\u0101 pat\u0113r\u0113t\u0101ju kred\u012bts\u00a0\u2013 ar\u012b tad, ja par to netiek piem\u0113rota form\u0101la procentu likme. Citiem v\u0101rdiem sakot, regul\u0113juma uzman\u012bbas centr\u0101 non\u0101k nevis produkta m\u0101rketings (\u201cbez procentiem\u201d, \u201c0%\u201d, \u201cmaks\u0101 v\u0113l\u0101k\u201d), bet gan dar\u012bjuma b\u016bt\u012bba. Proti, vai pat\u0113r\u0113t\u0101js faktiski sa\u0146em finans\u0113jumu un uz\u0146emas pien\u0101kumu to atmaks\u0101t noteikt\u0101 termi\u0146\u0101.<\/p>\n

Praktisk\u0101 l\u012bmen\u012b tas noz\u012bm\u0113, ka uz\u0146\u0113mumiem, kuri pied\u0101v\u0101 atlikt\u0101 maks\u0101juma vai tam l\u012bdz\u012bgus risin\u0101jumus, b\u016bs j\u0101iev\u0113ro l\u012bdzv\u0113rt\u012bgas pamatpras\u012bbas k\u0101 tradicion\u0101lajiem kred\u012btdev\u0113jiem.<\/p>\n

Pirmk\u0101rt, inform\u0113\u0161anas pien\u0101kums k\u013c\u016bs detaliz\u0113t\u0101ks un struktur\u0113t\u0101ks\u00a0\u2013 pat\u0113r\u0113t\u0101jam saprotam\u0101 veid\u0101 b\u016bs j\u0101atkl\u0101j visas izmaksas un riski, tostarp komisijas maksas, nokav\u0113juma maksas, l\u012bgumsodi, iesp\u0113jam\u0101s par\u0101du piedzi\u0146as izmaksas, k\u0101 ar\u012b jebk\u0101di netie\u0161ie maks\u0101jumi, kas l\u012bdz \u0161im var\u0113ja \u0161\u0137ist otr\u0161\u0137ir\u012bgi.<\/p>\n

Otrk\u0101rt, uz\u0146\u0113mumiem b\u016bs j\u0101nodro\u0161ina caursp\u012bd\u012bgi un taisn\u012bgi l\u012bguma nosac\u012bjumi\u00a0\u2013 t\u0101di, kurus pat\u0113r\u0113t\u0101js var izlas\u012bt, saprast un sal\u012bdzin\u0101t, nevis tikai apstiprin\u0101t ar p\u0101ris klik\u0161\u0137iem, neapzinoties saist\u012bbu apjomu.<\/p>\n

Tre\u0161k\u0101rt, b\u016btiska k\u013c\u016bst kred\u012btsp\u0113jas izv\u0113rt\u0113\u0161ana. Ja l\u012bdz \u0161im atliktais maks\u0101jums var\u0113ja tikt pie\u0161\u0137irts gandr\u012bz autom\u0101tiski, tad turpm\u0101k b\u016bs j\u0101v\u0113rt\u0113 pat\u0113r\u0113t\u0101ja finansi\u0101l\u0101 situ\u0101cija pirms l\u012bguma nosl\u0113g\u0161anas, lai nov\u0113rstu gad\u012bjumus, kad tiek uz\u0146emtas saist\u012bbas, kas ac\u012bmredzami p\u0101rsniedz sp\u0113ju aizdevumu atmaks\u0101t.<\/p>\n

Kopum\u0101 \u0161\u012b p\u0101rmai\u0146a iez\u012bm\u0113 principu mai\u0146u, nosakot, ka atliktais maks\u0101jums ir t\u0101da pati saist\u012bba k\u0101 jebkur\u0161 cits pat\u0113r\u0113t\u0101ja kredit\u0113\u0161anas pakalpojums, kas p\u0113c b\u016bt\u012bbas rada par\u0101dsaist\u012bbas.<\/p>\n

Tom\u0113r past\u0101v\u0113s iz\u0146\u0113mumi mazajiem un vid\u0113jiem uz\u0146\u0113mumiem. Ja ra\u017eot\u0101js, p\u0101rdev\u0113js vai pakalpojuma sniedz\u0113js pats (bez tre\u0161\u0101s puses iesaistes) pied\u0101v\u0101 atlikto maks\u0101jumu bez procentiem un papildu maks\u0101m un maks\u0101jums piln\u012bb\u0101 j\u0101veic 50\u00a0dienu laik\u0101,\u00a0\u2013 tas joproj\u0101m netiks uzskat\u012bts par kred\u012btu tradicion\u0101l\u0101 izpratn\u0113. Lielajiem uz\u0146\u0113mumiem \u0161is termi\u0146\u0161 ir v\u0113l \u012bs\u0101ks\u00a0\u2013 tikai 14\u00a0dienas.<\/p>\n

Ko tas noz\u012bm\u0113 uz\u0146\u0113mumiem<\/strong><\/span><\/h4>\n

Pat\u0113r\u0113t\u0101jiem izmai\u0146as kopum\u0101 noz\u012bm\u0113 liel\u0101ku aizsardz\u012bbu un inform\u0113t\u012bbu. Praktiski tas var izpausties k\u0101 skaidr\u0101ki nosac\u012bjumi pirms dar\u012bjuma, saprotam\u0101ks kop\u0113jo izmaksu att\u0113lojums (ar\u012b par kav\u0113juma maks\u0101m), k\u0101 ar\u012b pras\u012bba v\u0113rt\u0113t maks\u0101tsp\u0113ju, kas var noz\u012bm\u0113t gan papildu jaut\u0101jumus pirkuma pieteik\u0161anas br\u012bd\u012b, gan ar\u012b atteikumu pie\u0161\u0137irt aizdevumu. Tas pat\u0113r\u0113t\u0101jiem pal\u012bdz\u0113s izvair\u012bties no p\u0101rm\u0113r\u012bg\u0101m par\u0101dsaist\u012bb\u0101m.<\/p>\n

Direkt\u012bva par\u0101du piedzi\u0146as jom\u0101 nostiprina sam\u0113r\u012bguma principu un uzsver, ka kred\u012btdev\u0113ja r\u012bc\u012bbai j\u0101b\u016bt atbild\u012bgai un proporcion\u0101lai konkr\u0113tajai situ\u0101cijai. Tas noz\u012bm\u0113, ka, pirms tiek uzs\u0101ktas akt\u012bvas piedzi\u0146as darb\u012bbas vai piem\u0113rotas stingr\u0101kas sankcijas, kred\u012btdev\u0113jam vispirms ir j\u0101izv\u0113rt\u0113, vai pat\u0113r\u0113t\u0101jam var pied\u0101v\u0101t sapr\u0101t\u012bg\u0101kus un elast\u012bg\u0101kus risin\u0101jumus, kas \u013cauj saist\u012bbas izpild\u012bt bez p\u0101rm\u0113r\u012bgas finan\u0161u slodzes.<\/p>\n

Praks\u0113 \u0161\u0101di risin\u0101jumi var ietvert, piem\u0113ram, maks\u0101jumu grafika p\u0101rskat\u012b\u0161anu (maz\u0101ki maks\u0101jumi uz ilg\u0101ku periodu), termi\u0146a pagarin\u0101\u0161anu, maks\u0101jumu atlik\u0161anu uz \u012bsu laiku, k\u0101 ar\u012b citus individu\u0101li piel\u0101gotus pas\u0101kumus, kas \u0146em v\u0113r\u0101 pat\u0113r\u0113t\u0101ja faktisko maks\u0101tsp\u0113ju. Svar\u012bgi, ka \u0161\u0101ds izv\u0113rt\u0113jums nav tikai labas gribas \u017eests\u00a0\u2013 kred\u012btdev\u0113jam j\u0101demonstr\u0113 sapr\u0101t\u012bga r\u012bc\u012bba un j\u0101m\u0113\u0123ina rast risin\u0101jumu, kas atbilst gan pat\u0113r\u0113t\u0101ja aizsardz\u012bbas m\u0113r\u0137im, gan kred\u012btdev\u0113ja le\u0123it\u012bmaj\u0101m interes\u0113m sa\u0146emt atmaksu. Uz\u0146\u0113mumam tas noz\u012bm\u0113 procesu (klientu atbalsts) un sadarb\u012bbas partneru (\u0101rpustiesas par\u0101du atg\u016b\u0161anas pakalpojumu sniedz\u0113ju) p\u0101rv\u0113rt\u0113\u0161anu.<\/p>\n

Uz\u0146\u0113mumiem, kas pied\u0101v\u0101 atlikt\u0101 maks\u0101juma risin\u0101jumus vai integr\u0113 tos sav\u0101 p\u0101rdo\u0161anas proces\u0101 sadarb\u012bb\u0101 ar tre\u0161\u0101s puses pakalpojumu sniedz\u0113ju, n\u0101ksies p\u0101rskat\u012bt l\u012bdz\u0161in\u0113jo biznesa modeli un atbilst\u012bbas ietvaru. L\u012bdz ar regul\u0113juma papla\u0161in\u0101\u0161anu vairs nepietiks ar pie\u0146\u0113mumu, ka tas ir tikai maks\u0101jumu veids,\u00a0\u2013 b\u016bs j\u0101sp\u0113j skaidri identific\u0113t, k\u0101da ir uz\u0146\u0113muma loma konkr\u0113taj\u0101 dar\u012bjum\u0101 un k\u0101di pien\u0101kumi no t\u0101s izriet.<\/p>\n

Praktiski tas s\u0101kas ar pamatjaut\u0101jumu\u00a0\u2013 vai uz\u0146\u0113mums p\u0113c b\u016bt\u012bbas darbojas k\u0101 kred\u012btdev\u0113js, k\u0101 kred\u012bta starpnieks vai tom\u0113r tikai k\u0101 tirgot\u0101js, kas nodro\u0161ina tehnisku integr\u0101ciju ar \u0101r\u0113ju finan\u0161u pakalpojumu sniedz\u0113ju. \u0160\u012b kvalifik\u0101cija nav teor\u0113tiska, t\u0101 nosaka, k\u0101das at\u013caujas nepiecie\u0161amas (licence vai re\u0123istr\u0101cija), k\u0101das inform\u0113\u0161anas pras\u012bbas j\u0101iev\u0113ro, k\u0101 j\u0101organiz\u0113 klientu apkalpo\u0161ana un k\u0101da uzraudz\u012bba var tikt piem\u0113rota.<\/p>\n

T\u0101l\u0101k ir jaut\u0101jums par at\u013cauj\u0101m un statusu. Proti, vai uz\u0146\u0113mumam nepiecie\u0161ama licence vai pietiek ar re\u0123istr\u0101ciju, un k\u0101di nosac\u012bjumi j\u0101izpilda, lai to ieg\u016btu un saglab\u0101tu.<\/p>\n

Ne maz\u0101k b\u016btiska ir klienta maks\u0101tsp\u0113jas nov\u0113rt\u0113\u0161anas sada\u013ca. Uz\u0146\u0113mumiem b\u016bs j\u0101atbild, k\u0101 tie praktiski nodro\u0161in\u0101s kred\u012btsp\u0113jas izv\u0113rt\u0113\u0161anu pirms l\u012bguma nosl\u0113g\u0161anas\u00a0\u2013 k\u0101di dati tiek izmantoti, k\u0101 notiek izv\u0113rt\u0113jums, k\u0101 tiek dokument\u0113ts l\u0113mums un k\u0101 tiek nov\u0113rsta situ\u0101cija, kur\u0101 pat\u0113r\u0113t\u0101jam vienlaikus tiek pie\u0161\u0137irtas vair\u0101kas saist\u012bbas, p\u0101rsniedzot vi\u0146a re\u0101l\u0101s iesp\u0113jas. Tas savuk\u0101rt noz\u012bm\u0113 ar\u012b inform\u0101cijas tehnolo\u0123iju izstr\u0101di un procesu piel\u0101go\u0161anu.<\/p>\n

Vienlaikus j\u0101\u0146em v\u0113r\u0101, ka pat\u0113r\u0113t\u0101ju kredit\u0113\u0161ana ir finan\u0161u pakalpojums, kas parasti noz\u012bm\u0113 ar\u012b pien\u0101kumu izpild\u012bt noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas, terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas pras\u012bbas. Praktiski tas ietver iek\u0161\u0113j\u0101s kontroles sist\u0113mas izstr\u0101di, risku nov\u0113rt\u0113\u0161anu un atbilsto\u0161u kontroles pas\u0101kumu ievie\u0161anu ikdienas darb\u012bb\u0101.<\/p>\n

Direkt\u012bvas pras\u012bbu ievie\u0161ana Latvij\u0101<\/strong><\/span><\/h4>\n

Direkt\u012bva st\u0101j\u0101s sp\u0113k\u0101 2023.gada 19.novembr\u012b. Dal\u012bbvalst\u012bm, tostarp Latvijai, l\u012bdz 2025.gada 20.novembrim bija j\u0101pie\u0146em un j\u0101public\u0113 nepiecie\u0161amie ties\u012bbu akti, lai ieviestu direkt\u012bvas pras\u012bbas nacion\u0101l\u0101 l\u012bmen\u012b. Jaunos noteikumus j\u0101s\u0101k piem\u0113rot no 2026.gada 20.novembra.<\/p>\n

\u0160obr\u012bd Saeim\u0101 tiek izskat\u012bti divi likumprojekti par groz\u012bjumiem Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101, kuru m\u0113r\u0137is ir p\u0101r\u0146emt direkt\u012bvas pras\u012bbas. Ar \u0161\u012bm izmai\u0146\u0101m paredz\u0113ts nodro\u0161in\u0101t liel\u0101ku tiesisko skaidr\u012bbu par uz\u0146\u0113mumu pien\u0101kumiem un pat\u0113r\u0113t\u0101ju ties\u012bb\u0101m, k\u0101 ar\u012b par to, vai Latvija pat\u0113r\u0113t\u0101ju kredit\u0113\u0161an\u0101 noteiks papildu nacion\u0101l\u0101s pras\u012bbas vai, tie\u0161i pret\u0113ji, izmantos direkt\u012bv\u0101 paredz\u0113to elast\u012bbu, lai atsevi\u0161\u0137as pras\u012bbas ieviestu tirgum atbilsto\u0161\u0101, praktiski piem\u0113rojam\u0101 veid\u0101.<\/p>\n

Viens no iesp\u0113jamajiem piel\u0101gojumiem ir Ekonomikas ministrijas (EM) izstr\u0101d\u0101tais priek\u0161likums paredz\u0113t lielajiem uz\u0146\u0113mumiem sniegt pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas pakalpojumu atlikt\u0101 maks\u0101juma veid\u0101 bez PTAC izsniegtas licences, t\u0101 viet\u0101 nosakot pien\u0101kumu re\u0123istr\u0113t savu darb\u012bbu.<\/p>\n

Praktiski tas noz\u012bm\u0113tu, ka lielajiem uz\u0146\u0113mumiem, kuri saviem klientiem pied\u0101v\u0101 atlikto maks\u0101jumu pre\u010du vai pakalpojumu ieg\u0101dei, b\u016btu j\u0101re\u0123istr\u0113jas, bet neb\u016btu j\u0101sa\u0146em licence, t\u0101d\u0113j\u0101di samazinot administrat\u012bvo slogu un ar licenc\u0113\u0161anu saist\u012bt\u0101s izmaksas.<\/p>\n

T\u0101pat v\u0113l nav l\u012bdz galam skaidrs, vai un k\u0101d\u0101 apm\u0113r\u0101 Latvij\u0101 lielajiem uz\u0146\u0113mumiem, kas re\u0123istr\u0113s savu darb\u012bbu atlikto maks\u0101jumu jom\u0101, b\u016bs piem\u0113rojamas noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas, terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas pras\u012bbas. Par \u0161o jaut\u0101jumu ir notiku\u0161as diskusijas EM vad\u012btaj\u0101 darba grup\u0101, kur\u0101s analiz\u0113tas iesp\u0113jas ties\u012bbu aktos paredz\u0113t iz\u0146\u0113mumu re\u0123istr\u0113tiem uz\u0146\u0113mumiem, kas pied\u0101v\u0101 atlikt\u0101 maks\u0101juma risin\u0101jumus. Vienlaikus tiek v\u0113rt\u0113ts ar\u012b jaut\u0101jums par dal\u012bbvalstu r\u012bc\u012bbas br\u012bv\u012bbu noteikt \u0161\u0101dus iz\u0146\u0113mumus, \u0146emot v\u0113r\u0101, ka praks\u0113 b\u016bs j\u0101piem\u0113ro regula 2024\/1624 par finan\u0161u sist\u0113mas neizmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un terorisma finans\u0113\u0161anai.<\/p>\n

K\u0101 sagatavoties<\/strong><\/span><\/h4>\n

Lai veiksm\u012bgi sagatavotos jaunaj\u0101m pras\u012bb\u0101m, uz\u0146\u0113mumiem ieteicams vispirms identific\u0113t savu statusu\u00a0\u2013 noskaidrot, vai uz\u0146\u0113mums kvalific\u0113jas k\u0101 lielais uz\u0146\u0113mums (vismaz 250\u00a0darbinieki vai vismaz 50\u00a0milj. eiro apgroz\u012bjums) un vai tas pied\u0101v\u0101 atlikt\u0101 maks\u0101juma pakalpojumus vai darbojas k\u0101 kred\u012bta starpnieks.<\/p>\n

N\u0101kamais solis ir p\u0101rskat\u012bt eso\u0161o biznesa modeli, izv\u0113rt\u0113jot, vai atlikt\u0101 maks\u0101juma risin\u0101jum\u0101 ir iesaist\u012bta tre\u0161\u0101 puse un vai tas var noz\u012bm\u0113t pak\u013cau\u0161anos pilnai licenc\u0113\u0161anas k\u0101rt\u012bbai vai tom\u0113r atvieglotajai re\u0123istr\u0101cijas k\u0101rt\u012bbai.<\/p>\n

Paral\u0113li b\u016btiski izveidot vai piel\u0101got kred\u012btsp\u0113jas nov\u0113rt\u0113\u0161anas proced\u016bras, lai pirms l\u012bguma nosl\u0113g\u0161anas tiktu pien\u0101c\u012bgi izv\u0113rt\u0113ts pat\u0113r\u0113t\u0101ja finansi\u0101lais st\u0101voklis, tostarp ieg\u016bstot inform\u0101ciju no kred\u012btinform\u0101cijas birojiem. Vienlaikus \u0161aj\u0101 posm\u0101 ir lietder\u012bgi m\u0113r\u0137tiec\u012bgi ieviest digit\u0101lus risin\u0101jumus, kas kred\u012btsp\u0113jas izv\u0113rt\u0113\u0161anu padara pat\u0113r\u0113t\u0101jam \u0113rtu, \u0101tru un p\u0101rskat\u0101mu un ir dabiski integr\u0113ti preces vai pakalpojuma ieg\u0101des proces\u0101. Tas \u013cauj izpild\u012bt regulat\u012bv\u0101s pras\u012bbas, vienlaikus samazinot risku, ka p\u0101rlieku sare\u017e\u0123\u012bta pieteik\u0161an\u0101s pl\u016bsma, apjom\u012bga dokumentu iesnieg\u0161ana tirgot\u0101jam un\/vai kred\u012bta dev\u0113jam vai ilgs l\u0113muma pie\u0146em\u0161anas laiks mudina pat\u0113r\u0113t\u0101ju izv\u0113l\u0113ties citu finans\u0113\u0161anas risin\u0101jumu, pakalpojumu sniedz\u0113ju vai tirgot\u0101ju.<\/p>\n

T\u0101pat ieteicams p\u0101rskat\u012bt darbinieku atalgojuma un motiv\u0101cijas sist\u0113mu, lai t\u0101 neveicin\u0101tu p\u0101rm\u0113r\u012bgu kred\u012btu izsnieg\u0161anu un neb\u016btu tie\u0161i atkar\u012bga no apstiprin\u0101to pieteikumu skaita vai summas, tostarp p\u0101rdo\u0161anas m\u0113r\u0137u kontekst\u0101.<\/p>\n

Svar\u012bgs elements ir person\u0101la apm\u0101c\u012bba. Darbiniekiem, kuri iesaist\u012bti kred\u012bta pied\u0101v\u0101\u0161an\u0101 vai starpniec\u012bb\u0101, j\u0101b\u016bt apm\u0101c\u012btiem, un apm\u0101c\u012bbas j\u0101nodro\u0161ina pirms darb\u012bbas uzs\u0101k\u0161anas un p\u0113c tam periodiski j\u0101atk\u0101rto.<\/p>\n

Papildus tam j\u0101\u0146em v\u0113r\u0101, ka pat\u0113r\u0113t\u0101ju kredit\u0113\u0161ana ir finan\u0161u pakalpojums, kas daudzos gad\u012bjumos noz\u012bm\u0113 ar\u012b pien\u0101kumu nodro\u0161in\u0101t atbilst\u012bbu noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas, terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas pras\u012bb\u0101m\u00a0\u2013 veikt s\u0101kotn\u0113jo riska nov\u0113rt\u0113jumu, izstr\u0101d\u0101t un ieviest iek\u0161\u0113j\u0101s kontroles sist\u0113mu, noteikt klientu izp\u0113tes un sankciju p\u0101rbaudes k\u0101rt\u012bbu, k\u0101 ar\u012b nodro\u0161in\u0101t darbinieku apm\u0101c\u012bbas un atbilsto\u0161u darb\u012bbu dokument\u0113\u0161anu.<\/p>\n

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

Da\u017e\u0101du uz\u0146\u0113mumu klienti ir iecien\u012bju\u0161i \u201cp\u0113rc tagad, maks\u0101 v\u0113l\u0101k\u201d nor\u0113\u0137inu risin\u0101jumu. \u0160ie maks\u0101jumi k\u0101du laiku bija nosac\u012bt\u0101 pel\u0113kaj\u0101 zon\u0101, tom\u0113r tagad tam dar\u012bts gals. No 2026.gada 20.novembra atliktie maks\u0101jumi Latvij\u0101 un vis\u0101 Eiropas Savien\u012bb\u0101 tiks pilnv\u0113rt\u012bgi pak\u013cauti pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas regul\u0113jumam…<\/p>\n","protected":false},"author":10,"featured_media":50997,"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-50992","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"\nAtliktie maks\u0101jumi k\u013c\u016bs par kred\u012btiem | COBALT<\/title>\n<meta name=\"description\" content=\"Da\u017e\u0101du uz\u0146\u0113mumu klienti ir iecien\u012bju\u0161i \u201cp\u0113rc tagad, maks\u0101 v\u0113l\u0101k\u201d nor\u0113\u0137inu risin\u0101jumu. \u0160ie maks\u0101jumi k\u0101du laiku bija nosac\u012bt\u0101 pel\u0113kaj\u0101 zon\u0101, tom\u0113r tagad tam dar\u012bts gals. No 2026.gada 20.novembra atliktie maks\u0101jumi Latvij\u0101 un vis\u0101 Eiropas Savien\u012bb\u0101 tiks pilnv\u0113rt\u012bgi pak\u013cauti pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas regul\u0113jumam. Kas main\u012bsies, un k\u0101 sagatavoties jaunaj\u0101m pras\u012bb\u0101m?\u0160obr\u012bd Latvij\u0101 atlikt\u0101 maks\u0101juma risin\u0101jumi tiek v\u0113rt\u0113ti p\u0113c dar\u012bjuma b\u016bt\u012bbas. Proti, ja pat\u0113r\u0113t\u0101jam faktiski tiek pie\u0161\u0137irts finans\u0113jums un par to tiek pras\u012bti procenti vai citi maks\u0101jumi, to regul\u0113 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas ties\u012bbu akti un ir nepiecie\u0161ama Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) licence. Tom\u0113r jau pa\u0161laik past\u0101v vair\u0101ki iz\u0146\u0113mumi\u00a0\u2013 pras\u012bbas neattiecas uz bezprocentu vieno\u0161an\u0101m par atliktu samaksu, uz \u012bstermi\u0146a kred\u012btiem (l\u012bdz 3 m\u0113ne\u0161iem) ar nenoz\u012bm\u012bgiem papildu maks\u0101jumiem, k\u0101 ar\u012b uz situ\u0101cij\u0101m, kad uz\u0146\u0113mums savu preci vai pakalpojumu pats pied\u0101v\u0101 atlikta maks\u0101juma veid\u0101.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cobalt.legal\/lv\/news-cases\/atliktie-maksajumi-klus-par-kreditiem\/\" \/>\n<meta property=\"og:locale\" content=\"lv_LV\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Atliktie maks\u0101jumi k\u013c\u016bs par kred\u012btiem | COBALT\" \/>\n<meta property=\"og:description\" content=\"Da\u017e\u0101du uz\u0146\u0113mumu klienti ir iecien\u012bju\u0161i \u201cp\u0113rc tagad, maks\u0101 v\u0113l\u0101k\u201d nor\u0113\u0137inu risin\u0101jumu. \u0160ie maks\u0101jumi k\u0101du laiku bija nosac\u012bt\u0101 pel\u0113kaj\u0101 zon\u0101, tom\u0113r tagad tam dar\u012bts gals. No 2026.gada 20.novembra atliktie maks\u0101jumi Latvij\u0101 un vis\u0101 Eiropas Savien\u012bb\u0101 tiks pilnv\u0113rt\u012bgi pak\u013cauti pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas regul\u0113jumam. Kas main\u012bsies, un k\u0101 sagatavoties jaunaj\u0101m pras\u012bb\u0101m?\u0160obr\u012bd Latvij\u0101 atlikt\u0101 maks\u0101juma risin\u0101jumi tiek v\u0113rt\u0113ti p\u0113c dar\u012bjuma b\u016bt\u012bbas. Proti, ja pat\u0113r\u0113t\u0101jam faktiski tiek pie\u0161\u0137irts finans\u0113jums un par to tiek pras\u012bti procenti vai citi maks\u0101jumi, to regul\u0113 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas ties\u012bbu akti un ir nepiecie\u0161ama Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) licence. 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No 2026.gada 20.novembra atliktie maks\u0101jumi Latvij\u0101 un vis\u0101 Eiropas Savien\u012bb\u0101 tiks pilnv\u0113rt\u012bgi pak\u013cauti pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas regul\u0113jumam. Kas main\u012bsies, un k\u0101 sagatavoties jaunaj\u0101m pras\u012bb\u0101m?\u0160obr\u012bd Latvij\u0101 atlikt\u0101 maks\u0101juma risin\u0101jumi tiek v\u0113rt\u0113ti p\u0113c dar\u012bjuma b\u016bt\u012bbas. Proti, ja pat\u0113r\u0113t\u0101jam faktiski tiek pie\u0161\u0137irts finans\u0113jums un par to tiek pras\u012bti procenti vai citi maks\u0101jumi, to regul\u0113 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas ties\u012bbu akti un ir nepiecie\u0161ama Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) licence. 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