{"id":56720,"date":"2026-08-24T11:06:00","date_gmt":"2026-08-24T08:06:00","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=56720"},"modified":"2026-08-24T12:00:25","modified_gmt":"2026-08-24T09:00:25","slug":"ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\/","title":{"rendered":"PTAC l\u0113mums par maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu pirms kred\u012bta izsnieg\u0161anas"},"content":{"rendered":"<p><strong>Pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161ana pirms kred\u012bta pie\u0161\u0137ir\u0161anas nav tikai formalit\u0101te. Kred\u012bta dev\u0113jam ir j\u0101p\u0101rliecin\u0101s, vai kred\u012bta \u0146\u0113m\u0113js sp\u0113s izpild\u012bt jaun\u0101s saist\u012bbas, vienlaikus saglab\u0101jot pietiekamus l\u012bdzek\u013cus ikdienas pamatvajadz\u012bb\u0101m. Tuvojoties br\u012bdim, kad maks\u0101tsp\u0113ja b\u016bs j\u0101v\u0113rt\u0113 ar\u012b atlikt\u0101 maks\u0101juma pie\u0161\u0137ir\u0161anas gad\u012bjum\u0101, Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra 2026.gada 16.j\u016blija l\u0113mums, kur\u0101 konstat\u0113tas nepiln\u012bbas AS\u00a0\u201cDelfinGroup\u201d pieej\u0101, k\u013c\u016bst \u012bpa\u0161i aktu\u0101ls.<\/strong><\/p>\n<p>Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) l\u0113mum\u0101 skaidrots, ka ar form\u0101lu p\u0101rbaudi vai datu piepras\u012b\u0161anu no tikai viena kred\u012btinform\u0101cijas biroja datub\u0101zes nepietiek, lai ieg\u016btu piln\u012bgu priek\u0161statu par pat\u0113r\u0113t\u0101ja saist\u012bb\u0101m un atbilsto\u0161i izv\u0113rt\u0113tu vi\u0146a maks\u0101tsp\u0113ju. Tie\u0161i \u0161\u0101du nepiln\u012bgu pat\u0113r\u0113t\u0101ju maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu AS\u00a0\u201cDelfinGroup\u201d gad\u012bjum\u0101 PTAC atzina par p\u0101rk\u0101pumu un piem\u0113roja 285\u00a0000\u00a0eiro naudas sodu. AS\u00a0\u201cDelfinGroup\u201d l\u0113mum\u0101 ietvertajai interpret\u0101cijai nepiekrita un to p\u0101rs\u016bdz\u0113s.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Dati maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anai<\/strong><\/span><\/h4>\n<p>Latvijas kred\u012btinform\u0101cijas biroju datub\u0101zes ir vieni no galvenajiem inform\u0101cijas avotiem, no kuriem ieg\u016bst datus pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anai. Taj\u0101s apkopo inform\u0101ciju par personas eso\u0161aj\u0101m un kav\u0113taj\u0101m saist\u012bb\u0101m, kas kred\u012bta dev\u0113jam sniedz piln\u012bg\u0101ku priek\u0161statu par pat\u0113r\u0113t\u0101ja finan\u0161u situ\u0101ciju. Latvij\u0101 darbojas divi kred\u012btinform\u0101cijas biroji\u00a0\u2013 AS\u00a0\u201cKred\u012btinform\u0101cijas birojs\u201d un AS\u00a0\u201cCREFO Birojs\u201d (CREFO).<\/p>\n<p>\u0160\u012b t\u0113ma ir \u012bpa\u0161i aktu\u0101la uz\u0146\u0113mumiem, kas pied\u0101v\u0101 atlikt\u0101 maks\u0101juma pakalpojumus, respekt\u012bvi, pat\u0113r\u0113t\u0101js preci vai pakalpojumu sa\u0146em tagad, bet samaksu veic v\u0113l\u0101k, t\u0101d\u0113j\u0101di uz\u0146emoties saist\u012bbas, kuras noteiktos gad\u012bjumos tiek kvalific\u0113tas k\u0101 pat\u0113r\u0113t\u0101ju kred\u012bts. L\u012bdz ar to vair\u0101ki atlikt\u0101 maks\u0101juma pakalpojumi ietilpst\u00a0<a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2023\/2225\/oj?locale=lv\" target=\"_blank\" rel=\"noopener\">direkt\u012bvas 2023\/2225<\/a>\u00a0par pat\u0113r\u0113t\u0101ju kred\u012btl\u012bgumiem tv\u0113rum\u0101. T\u0101s 18.panta 1. un 6.punkts paredz r\u016bp\u012bgi izv\u0113rt\u0113t pat\u0113r\u0113t\u0101ja kred\u012btsp\u0113ju un pie\u0161\u0137irt kred\u012btu tikai tad, ja saist\u012bbas, visticam\u0101k, tiks izpild\u012btas. \u0160\u012bs pras\u012bbas atlikt\u0101 maks\u0101juma pakalpojumu sniedz\u0113jiem b\u016bs j\u0101iev\u0113ro no 2026.gada 20.novembra.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Lietas anal\u012bze<\/strong><\/span><\/h4>\n<p>PTAC p\u0101rbaudi AS\u00a0\u201cDelfinGroup\u201d uzs\u0101ka p\u0113c pat\u0113r\u0113t\u0101jas iesnieguma par str\u012bdu saist\u012bb\u0101 ar kred\u012btl\u012bnijas l\u012bgumu. Izv\u0113rt\u0113jot AS\u00a0\u201cDelfinGroup\u201d sniegtos paskaidrojumus, PTAC konstat\u0113ja, ka inform\u0101cija par pat\u0113r\u0113t\u0101jas saist\u012bb\u0101m ieg\u016bta tikai no CREFO datub\u0101zes. V\u0113l\u0101k PTAC l\u0113mum\u0101 v\u0113rt\u0113ja ar\u012b citus ar AS \u201cDelfinGroup\u201d saist\u012btus pat\u0113r\u0113t\u0101ju iesniegumus, kas liecin\u0101ja, ka attiec\u012bg\u0101 prakse nav bijusi vienreiz\u0113js gad\u012bjums, bet gan pla\u0161\u0101ka tendence. PTAC neguva apstiprin\u0101jumu tam, ka, izmantojot CREFO starpniec\u012bbu, AS\u00a0\u201cDelfinGroup\u201d sa\u0146\u0113musi inform\u0101ciju ar\u012b no otra Latvij\u0101 re\u0123istr\u0113t\u0101 kred\u012btinform\u0101cijas biroja.<\/p>\n<p>T\u0101d\u0113j\u0101di lietas centr\u0101lais jaut\u0101jums ir \u0161\u0101ds: vai kred\u012bta dev\u0113js dr\u012bkst aprobe\u017eoties tikai ar viena kred\u012btinform\u0101cijas biroja datiem?<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Ko secin\u0101ja PTAC<\/strong><\/span><\/h4>\n<p>Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma (PTAL)\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309#p8\" target=\"_blank\" rel=\"noopener\">8.panta<\/a>\u00a0<sup>\u00a0<\/sup>4.<sup>4<\/sup>da\u013ca noteic, ka kred\u012bta dev\u0113jam ir pien\u0101kums piepras\u012bt, ieg\u016bt un izv\u0113rt\u0113t inform\u0101ciju par pat\u0113r\u0113t\u0101ja ien\u0101kumiem un izdevumiem, lai izv\u0113rt\u0113tu vi\u0146a maks\u0101tsp\u0113ju atbilsto\u0161\u0101 apjom\u0101.<\/p>\n<p>PTAC ieskat\u0101 PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309#p8\">8.panta<\/a>\u00a04.<sup>7<\/sup>\u00a0un 4.<sup>8<\/sup>da\u013ca ir j\u0101skata kopsakar\u0101. T\u0101s paredz:<\/p>\n<ul>\n<li>kred\u012bta dev\u0113ja pien\u0101kumu, izmantojot kred\u012btinform\u0101cijas biroja starpniec\u012bbu, savstarp\u0113ji apmain\u012bties ar zi\u0146\u0101m par pat\u0113r\u0113t\u0101ju saist\u012bb\u0101m un to izpildes gaitu;<\/li>\n<li>kred\u012bta dev\u0113ja pien\u0101kumu nodro\u0161in\u0101t inform\u0101cijas pieejam\u012bbu no visiem kred\u012btinform\u0101cijas birojiem.<\/li>\n<\/ul>\n<p>PTAC uzsv\u0113ra, ka kred\u012bta dev\u0113jam nav oblig\u0101ti j\u0101sl\u0113dz atsevi\u0161\u0137s l\u012bgums ar katru kred\u012btinform\u0101cijas biroju. Tas var izmantot ar\u012b vienu biroju, ja attiec\u012bgais pakalpojums nodro\u0161ina inform\u0101cijas sa\u0146em\u0161anu no p\u0101r\u0113jiem birojiem.<\/p>\n<p>T\u0101tad iz\u0161\u0137iro\u0161s nav piesl\u0113gumu skaits, bet gan ieg\u016bt\u0101s inform\u0101cijas piln\u012bgums un kvalit\u0101te. Ja kred\u012bta dev\u0113js p\u0101rbauda tikai vienu datub\u0101zi, tas var neuzzin\u0101t da\u013cu no pat\u0113r\u0113t\u0101ja eso\u0161ajiem kred\u012btiem, ikm\u0113ne\u0161a maks\u0101jumiem vai saist\u012bbu izpildes probl\u0113m\u0101m. \u0160\u0101d\u0101 gad\u012bjum\u0101 l\u0113mums pie\u0161\u0137irt jaunu kred\u012btu balst\u012bts uz nepiln\u012bgu priek\u0161statu par pat\u0113r\u0113t\u0101ja faktisko finan\u0161u slogu.<\/p>\n<p>AS\u00a0\u201cDelfinGroup\u201d nor\u0101d\u012bja ar\u012b uz pa\u0161a pat\u0113r\u0113t\u0101ja pien\u0101kumu sniegt patiesu inform\u0101ciju par saviem ien\u0101kumiem un saist\u012bb\u0101m. PTAC tam piekrita, ta\u010du akcent\u0113ja, ka kred\u012bta dev\u0113jam tik un t\u0101 ir j\u0101p\u0101rbauda pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113ja pirms pozit\u012bva l\u0113muma pie\u0146em\u0161anas. Pat\u0113r\u0113t\u0101js var sniegt neprec\u012bzu inform\u0101ciju apzin\u0101ti, ta\u010du var ar\u012b k\u013c\u016bd\u012bties neapzin\u0101ti. Vi\u0146\u0161 var nezin\u0101t prec\u012bzu kop\u0113jo kred\u012btsaist\u012bbu un ikm\u0113ne\u0161a maks\u0101jumu apm\u0113ru, t\u0101pat var b\u016bt p\u0101rlieku optimistisks par savu sp\u0113ju atmaks\u0101t v\u0113l vienu aizdevumu.<\/p>\n<p>L\u0113mumu pie\u0146em\u0161ana, balstoties tikai uz pat\u0113r\u0113t\u0101ja sniegto inform\u0101ciju, ir pie\u013caujama vien\u012bgi tad, ja t\u0101 ir pietiekami un dokument\u0101ri pamatota. Pret\u0113j\u0101 gad\u012bjum\u0101 kred\u012bta dev\u0113jam faktisk\u0101 situ\u0101cija j\u0101p\u0101rbauda ab\u0101s datub\u0101z\u0113s.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Ko papildus v\u0113rt\u0113ja l\u0113mum\u0101<\/strong><\/span><\/h4>\n<p>Papildus s\u0101kotn\u0113jam str\u012bdam PTAC l\u0113mum\u0101 v\u0113rt\u0113ja ar\u012b vair\u0101kus citus atsevi\u0161\u0137us gad\u012bjumus, kuros bija iesaist\u012bta AS\u00a0\u201cDelfinGroup\u201d. Vien\u0101 no tiem AS\u00a0\u201cDelfinGroup\u201d pie\u0161\u0137\u012bra aizdevumu personai, kuras ien\u0101kumus veidoja invalidit\u0101tes pensija, lai gan vi\u0146ai taj\u0101 br\u012bd\u012b jau bija \u010detri sp\u0113k\u0101 eso\u0161i kred\u012bta l\u012bgumi, k\u0101 ar\u012b uzs\u0101kta \u0101rpustiesas par\u0101da atg\u016b\u0161ana par kav\u0113tiem komun\u0101lajiem maks\u0101jumiem.<\/p>\n<p>V\u0113l cit\u0101 PTAC l\u0113mum\u0101 v\u0113rt\u0113taj\u0101 gad\u012bjum\u0101 AS\u00a0\u201cDelfinGroup\u201d pati atzina, ka inform\u0101ciju par pat\u0113r\u0113t\u0101ja saist\u012bb\u0101m ieguvusi tikai CREFO datub\u0101z\u0113. Tas noz\u012bm\u0113, ka pat\u0113r\u0113t\u0101ja finan\u0161u situ\u0101cija netika pilnv\u0113rt\u012bgi izv\u0113rt\u0113ta. PTAC ieskat\u0101 \u0161\u012b inform\u0101cija bija j\u0101ieg\u016bst pirms aizdevuma l\u012bguma nosl\u0113g\u0161anas, nevis tikai tad, kad pat\u0113r\u0113t\u0101js jau bija non\u0101cis maks\u0101jumu gr\u016bt\u012bb\u0101s.<\/p>\n<p>Nepiln\u012bgas maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anas sekas nav tikai kav\u0113ts maks\u0101jums\u00a0\u2013 pat\u0113r\u0113t\u0101js var turpin\u0101t maks\u0101t kred\u012btu, vienlaikus b\u016btiski ierobe\u017eojot izdevumus p\u0101rtikai vai nepildot citas saist\u012bbas.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>K\u0101p\u0113c nepiln\u012bga p\u0101rbaude tika atz\u012bta par negod\u012bgu komercpraksi<\/strong><\/span><\/h4>\n<p>PTAC secin\u0101ja, ka AS\u00a0\u201cDelfinGroup\u201d, neieg\u016bstot piln\u012bgu inform\u0101ciju par pat\u0113r\u0113t\u0101ju saist\u012bb\u0101m, neiev\u0113roja profesion\u0101l\u0101s r\u016bp\u012bbas pras\u012bbas. Tas var\u0113ja b\u016btiski ietekm\u0113t pat\u0113r\u0113t\u0101ja ekonomisko r\u012bc\u012bbu Negod\u012bgas komercprakses aizlieguma likuma izpratn\u0113. Pat\u0113r\u0113t\u0101js, piesakoties kred\u012btam pie licenc\u0113ta kredit\u0113t\u0101ja, var pa\u013cauties, ka vi\u0146a maks\u0101tsp\u0113ja tiks izv\u0113rt\u0113ta atbilsto\u0161i normat\u012bvo aktu pras\u012bb\u0101m, un sagaid\u012bt, ka kred\u012bts netiks pie\u0161\u0137irts, ja saist\u012bbu slogs b\u016bs nesam\u0113r\u012bgs ar vi\u0146a ien\u0101kumiem.<\/p>\n<p>PTAC uzsv\u0113ra, ka pat\u0113r\u0113t\u0101js ir maz\u0101k aizsarg\u0101ta l\u012bgumsl\u0113dz\u0113ja puse un nav profesion\u0101lis kredit\u0113\u0161anas jom\u0101, t\u0101d\u0113\u013c kred\u012bta dev\u0113jam j\u0101r\u012bkojas god\u012bgi, taisn\u012bgi, p\u0101rredzami un profesion\u0101li, \u0146emot v\u0113r\u0101 pat\u0113r\u0113t\u0101ja ties\u012bbas un intereses.<\/p>\n<p>Nepiln\u012bga maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161ana var krop\u013cot konkurenci kredit\u0113\u0161anas tirg\u016b. Kred\u012bta dev\u0113js, kur\u0161 nep\u0101rbauda visas pat\u0113r\u0113t\u0101ja saist\u012bbas, var pie\u0161\u0137irt kred\u012btu pat\u0113r\u0113t\u0101jam, turpretim citi tirgus dal\u012bbnieki p\u0113c piln\u012bgas p\u0101rbaudes to atteiktu. T\u0101d\u0113j\u0101di negod\u012bgais kred\u012bta dev\u0113js var palielin\u0101t savu tirgus da\u013cu uz to uz\u0146\u0113mumu r\u0113\u0137ina, kuri iev\u0113ro normat\u012bvo aktu pras\u012bbas un atsaka izsniegt aizdevumus pat\u0113r\u0113t\u0101jiem ar p\u0101rm\u0113r\u012bgu saist\u012bbu slogu.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Ieteikumi atlikt\u0101 maks\u0101juma pakalpojumu sniedz\u0113jiem<\/strong><\/span><\/h4>\n<p>PTAC l\u0113mums \u013cauj secin\u0101t, ka, v\u0113rt\u0113jot pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113ju un lemjot par atlikt\u0101 maks\u0101juma pie\u0161\u0137ir\u0161anu, b\u016btiski ir iev\u0113rot vair\u0101kus pamatprincipus:<\/p>\n<ul>\n<li>pirmk\u0101rt, maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161ana nav form\u0101ls \u201c\u0137eks\u012btis\u201d. Iz\u0161\u0137iro\u0161i ir tas, vai pieejam\u0101 inform\u0101cija ir pietiekama, p\u0101rbaud\u0101ma un piln\u012bga, lai pamatotu pie\u0146emto l\u0113mumu. Ja l\u0113mums tiek balst\u012bts tikai uz da\u013cu no pat\u0113r\u0113t\u0101ja eso\u0161aj\u0101m saist\u012bb\u0101m, past\u0101v augsts risks, ka vi\u0146a faktisk\u0101 finan\u0161u situ\u0101cija netiek pietiekami izv\u0113rt\u0113ta;<\/li>\n<li>otrk\u0101rt, pat\u0113r\u0113t\u0101ja pien\u0101kums sniegt patiesu inform\u0101ciju neatbr\u012bvo pakalpojuma sniedz\u0113ju no pien\u0101kuma \u0161os datus p\u0101rbaud\u012bt. Pat\u0113r\u0113t\u0101js var k\u013c\u016bd\u012bties, nezin\u0101t prec\u012bzu savu saist\u012bbu kop\u0113jo apm\u0113ru vai p\u0101rv\u0113rt\u0113t savas iesp\u0113jas. T\u0101d\u0113\u013c pakalpojuma sniedz\u0113js nedr\u012bkst balst\u012bt l\u0113mumu tikai uz pieteikum\u0101 nor\u0101d\u012bto inform\u0101ciju\u00a0\u2013 tam pa\u0161am ir j\u0101p\u0101rliecin\u0101s par datu atbilst\u012bbu faktiskajai situ\u0101cijai;<\/li>\n<li>tre\u0161k\u0101rt, iesp\u0113ja v\u0113l\u0101k main\u012bt maks\u0101jumu grafiku neizlabo s\u0101kotn\u0113j\u0101 izv\u0113rt\u0113juma tr\u016bkumu. Inform\u0101cija par pat\u0113r\u0113t\u0101ja saist\u012bb\u0101m j\u0101ieg\u016bst pirms atlikt\u0101 maks\u0101juma pie\u0161\u0137ir\u0161anas, nevis tikai tad, kad maks\u0101jumu gr\u016bt\u012bbas jau ir radu\u0161\u0101s. Tie\u0161i s\u0101kotn\u0113jais l\u0113mums nosaka, vai pat\u0113r\u0113t\u0101js neuz\u0146emsies t\u0101das saist\u012bbas, kuras v\u0113l\u0101k b\u016bs gr\u016bti izpild\u012bt.<\/li>\n<\/ul>\n<p>Publik\u0101cija: <a href=\"https:\/\/ifinanses.lv\/bizness\/raksti\/uznemuma-vadiba\/uznemuma-vadiba\/biz-new-ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\/31424\">ifinanses.lv<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161ana pirms kred\u012bta pie\u0161\u0137ir\u0161anas nav tikai formalit\u0101te. Kred\u012bta dev\u0113jam ir j\u0101p\u0101rliecin\u0101s, vai kred\u012bta \u0146\u0113m\u0113js sp\u0113s izpild\u012bt jaun\u0101s saist\u012bbas, vienlaikus saglab\u0101jot pietiekamus l\u012bdzek\u013cus ikdienas pamatvajadz\u012bb\u0101m. Tuvojoties br\u012bdim, kad maks\u0101tsp\u0113ja b\u016bs j\u0101v\u0113rt\u0113 ar\u012b atlikt\u0101 maks\u0101juma pie\u0161\u0137ir\u0161anas gad\u012bjum\u0101, Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas..<\/p>\n","protected":false},"author":10,"featured_media":56722,"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-56720","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 v27.9 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PTAC l\u0113mums par maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu pirms kred\u012bta izsnieg\u0161anas | COBALT<\/title>\n<meta name=\"description\" content=\"Pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161ana pirms kred\u012bta pie\u0161\u0137ir\u0161anas nav tikai formalit\u0101te. Kred\u012bta dev\u0113jam ir j\u0101p\u0101rliecin\u0101s, vai kred\u012bta \u0146\u0113m\u0113js sp\u0113s izpild\u012bt jaun\u0101s saist\u012bbas, vienlaikus saglab\u0101jot pietiekamus l\u012bdzek\u013cus ikdienas pamatvajadz\u012bb\u0101m. Tuvojoties br\u012bdim, kad maks\u0101tsp\u0113ja b\u016bs j\u0101v\u0113rt\u0113 ar\u012b atlikt\u0101 maks\u0101juma pie\u0161\u0137ir\u0161anas gad\u012bjum\u0101, Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra 2026.gada 16.j\u016blija l\u0113mums, kur\u0101 konstat\u0113tas nepiln\u012bbas AS\u00a0\u201cDelfinGroup\u201d pieej\u0101, k\u013c\u016bst \u012bpa\u0161i aktu\u0101ls.\" \/>\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\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\/\" \/>\n<meta property=\"og:locale\" content=\"lv_LV\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PTAC l\u0113mums par maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu pirms kred\u012bta izsnieg\u0161anas\" \/>\n<meta property=\"og:description\" content=\"Pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161ana pirms kred\u012bta pie\u0161\u0137ir\u0161anas nav tikai formalit\u0101te. Kred\u012bta dev\u0113jam ir j\u0101p\u0101rliecin\u0101s, vai kred\u012bta \u0146\u0113m\u0113js sp\u0113s izpild\u012bt jaun\u0101s saist\u012bbas, vienlaikus saglab\u0101jot pietiekamus l\u012bdzek\u013cus ikdienas pamatvajadz\u012bb\u0101m. Tuvojoties br\u012bdim, kad maks\u0101tsp\u0113ja b\u016bs j\u0101v\u0113rt\u0113 ar\u012b atlikt\u0101 maks\u0101juma pie\u0161\u0137ir\u0161anas gad\u012bjum\u0101, Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra 2026.gada 16.j\u016blija l\u0113mums, kur\u0101 konstat\u0113tas nepiln\u012bbas AS\u00a0\u201cDelfinGroup\u201d pieej\u0101, k\u013c\u016bst \u012bpa\u0161i aktu\u0101ls.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cobalt.legal\/lv\/news-cases\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\/\" \/>\n<meta property=\"og:site_name\" content=\"COBALT\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CobaltLegal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-24T08:06:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T09:00:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2026\/08\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2500\" \/>\n\t<meta property=\"og:image:height\" content=\"2500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"L\u012bva Dumpe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"L\u012bva Dumpe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/\"},\"author\":{\"name\":\"L\u012bva Dumpe\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/person\\\/6bbab99ed584e23881516eaa77c49aa3\"},\"headline\":\"PTAC l\u0113mums par maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu pirms kred\u012bta izsnieg\u0161anas\",\"datePublished\":\"2026-08-24T08:06:00+00:00\",\"dateModified\":\"2026-08-24T09:00:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/\"},\"wordCount\":1778,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas.jpg\",\"articleSection\":[\"Uncategorized @lv\"],\"inLanguage\":\"lv-LV\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/\",\"name\":\"PTAC l\u0113mums par maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu pirms kred\u012bta izsnieg\u0161anas | COBALT\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/ptac-lemums-par-maksatspejas-izvertesanu-pirms-kredita-izsniegsanas.jpg\",\"datePublished\":\"2026-08-24T08:06:00+00:00\",\"dateModified\":\"2026-08-24T09:00:25+00:00\",\"description\":\"Pat\u0113r\u0113t\u0101ja maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161ana pirms kred\u012bta pie\u0161\u0137ir\u0161anas nav tikai formalit\u0101te. 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Kred\u012bta dev\u0113jam ir j\u0101p\u0101rliecin\u0101s, vai kred\u012bta \u0146\u0113m\u0113js sp\u0113s izpild\u012bt jaun\u0101s saist\u012bbas, vienlaikus saglab\u0101jot pietiekamus l\u012bdzek\u013cus ikdienas pamatvajadz\u012bb\u0101m. 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