{"id":22963,"date":"2024-02-16T08:34:50","date_gmt":"2024-02-16T06:34:50","guid":{"rendered":"https:\/\/zurnalsiepirkumi.lv\/?p=22963"},"modified":"2024-02-16T08:34:51","modified_gmt":"2024-02-16T06:34:51","slug":"saeima-galigaja-lasijuma-atbalsta-likumprojektu-pakotni-hipotekaras-parkreditesanas-vienkarsosanai","status":"publish","type":"post","link":"https:\/\/zurnalsiepirkumi.lv\/?p=22963","title":{"rendered":"Saeima gal\u012bgaj\u0101 las\u012bjum\u0101 atbalsta likumprojektu pakotni hipotek\u0101r\u0101s p\u0101rkredit\u0113\u0161anas vienk\u0101r\u0161o\u0161anai"},"content":{"rendered":"\n

Ekonomikas ministrija<\/p>\n\n\n\n

Saeima \u0161.g. 15.\u00a0febru\u0101r\u012b gal\u012bgaj\u0101 las\u012bjum\u0101 pie\u0146\u0113ma groz\u012bjumus \u010detros likumos, lai atvieglotu pat\u0113r\u0113t\u0101ju iesp\u0113jas p\u0101rkredit\u0113t hipotek\u0101ros kred\u012btus un vienlaikus veicinot konkurenci kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju starp\u0101, att\u012bstot kred\u012btiest\u0101\u017eu pied\u0101v\u0101tos risin\u0101jumus hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem un mazinot augst\u0101s hipotek\u0101ro kred\u012btu likmes.<\/p>\n\n\n\n

\u201cKred\u012btu procentu likmes\u00a0Latvij\u0101 un Baltijas valst\u012bs kopum\u0101 jau ilgsto\u0161i ir biju\u0161as starp augst\u0101kaj\u0101m eirozon\u0101, kas liel\u0101 m\u0113r\u0101 saist\u012bts ar v\u0101jo konkurenci banku sektor\u0101. Konkurenci nav veicin\u0101jis ar\u012b sare\u017e\u0123\u012btais un d\u0101rgais hipotek\u0101ro kred\u012btu p\u0101rkredit\u0101cijas process, kas l\u012bdz \u0161im liel\u0101 m\u0113r\u0101 ir ticis veidots banku interes\u0113s. Ar likumu izmai\u0146\u0101m tiks pan\u0101kts iev\u0113rojams administrat\u012bv\u0101 un finansi\u0101l\u0101 sloga samazin\u0101jums hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem, mazinot p\u0101rkredit\u0113\u0161anas \u0161\u0137\u0113r\u0161\u013cus, tostarp ar\u012b izmaksas, kas l\u012bdz \u0161im ir biju\u0161as nesam\u0113r\u012bgi lielas,\u201d\u00a0uzsver ekonomikas ministrs Viktors Valainis.<\/p>\n\n\n\n

Saeima pie\u0146emtie groz\u012bjumi Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101,  Kred\u012btiest\u0101\u017eu likum\u0101, Notari\u0101ta likum\u0101 un Apdro\u0161in\u0101\u0161anas l\u012bguma likum\u0101 neparedz jauna meh\u0101nisma izveidi jeb k\u0101das kardin\u0101l\u0101s izmai\u0146as l\u012bdz\u0161in\u0113j\u0101 p\u0101rkredit\u0113\u0161anas proces\u0101, ta\u010du paredz vair\u0101kas b\u016btiskas izmai\u0146as un atvieglojumus, kas mazin\u0101s past\u0101vo\u0161os p\u0101rkredit\u0113\u0161anas \u0161\u0137\u0113r\u0161\u013cus, t.sk. izmaksas, un atvieglos p\u0101rkredit\u0101cijas procesu pat\u0113r\u0113t\u0101jiem\u200b.<\/p>\n\n\n\n

L\u012bdz ar likumprojektu pie\u0146em\u0161anu pan\u0101kts iev\u0113rojams p\u0101rkredit\u0113\u0161anas izmaksu samazin\u0101jums pat\u0113r\u0113t\u0101jam,\u00a0piem\u0113ram, ja hipotek\u0101r\u0101 kred\u012bta summa ir\u00a0250\u00a0000 EUR, tad p\u0101rkredit\u0113\u0161anas izmaksas samazin\u0101sies no 3\u00a0500 EUR uz 2 500 EUR; ja hipotek\u0101r\u0101 kred\u012bta summa ir 100 000 EUR, tad p\u0101rkredit\u0101cijas izmaksas samazin\u0101sies uz pusi – no aptuveni 2 000 EUR uz 1 000 EUR, savuk\u0101rt, ja hipotek\u0101r\u0101 kred\u012bta summa ir 50 000 EUR, tad p\u0101rkredit\u0101cijas izmaksas samazin\u0101sies tr\u012bs reizes – no aptuveni 1 500 EUR uz 500 EUR. \u0160ie apr\u0113\u0137ini ir veikti pie nosac\u012bjuma, ja jaunais kred\u012bta dev\u0113js paredz\u0113s kompens\u0101ciju vai komisijas maksu par hipotek\u0101r\u0101 kred\u012bta izsnieg\u0161anu. Ja \u0161\u0101das pras\u012bbas neb\u016bs, izmaksas samazin\u0101sies v\u0113l vair\u0101k, par hipotek\u0101ro p\u0101rkredit\u0113\u0161anu maks\u0101jot vien ap 50 EUR.<\/p>\n\n\n\n

P\u0101rkredit\u0113\u0161anas process turpm\u0101k aiz\u0146ems\u00a0ne vair\u0101k k\u0101 divus m\u0113ne\u0161us,\u00a0un pat\u0113r\u0113t\u0101jam tas k\u013c\u016bs vienk\u0101r\u0161\u0101ks\u00a0– vajadz\u0113s griezties pie potenci\u0101l\u0101 kred\u012btdev\u0113ja, izv\u0113rt\u0113t vi\u0146a pied\u0101v\u0101jumu, nosl\u0113gt jaunu hipotek\u0101ro l\u012bgumu un att\u0101lin\u0101ti apliecin\u0101t parakstu nostiprin\u0101juma l\u016bgumam par \u0137\u012blas ties\u012bbu p\u0101rgroz\u012b\u0161anu par labu jaunajam kred\u012bta dev\u0113jam pie zv\u0113rin\u0101ta not\u0101ra.\u00a0Visu procesu var\u0113s \u012bstenot ar\u012b att\u0101lin\u0101ti.<\/p>\n\n\n\n

Savuk\u0101rt hipotek\u0101r\u0101s kredit\u0113\u0161anas pakalpojumu sniedz\u0113ji turpm\u0101k var\u0113s reklam\u0113t savus pakalpojumus un akt\u012bv\u0101k konkur\u0113t sav\u0101 starp\u0101 par hipotek\u0101rajiem kred\u012btiem.<\/p>\n\n\n\n

Groz\u012bjumi Pat\u0113r\u0113t\u0101ju aizsardz\u012bbas likum\u0101<\/strong><\/a>\u00a0paredz, ka pat\u0113r\u0113t\u0101jam nevar\u0113s tikt piem\u0113rota maksa par p\u0101rkredit\u0113\u0161anu vai kompens\u0101cija, (iz\u0146emot fiks\u0113tas aiz\u0146\u0113muma likmes gad\u012bjum\u0101, kad kompens\u0101cija noteikta ES direkt\u012bv\u0101)\u200b. Maksa par jaun\u0101 kredit\u0113\u0161anas l\u012bguma noform\u0113\u0161anu un\/vai kred\u012bta izsnieg\u0161anu nevar\u0113s b\u016bt augst\u0101ka par 1% no jaun\u0101 hipotek\u0101r\u0101 kred\u012bta summas. Pat\u0113r\u0113t\u0101jam noteiktas ties\u012bbas sadal\u012bt \u0161o kompens\u0101ciju tr\u012bs maks\u0101jumos\u200b. \u0160\u0101das kompens\u0101cijas apm\u0113rs nedr\u012bkst\u0113s b\u016bt augst\u0101ks par maksu, k\u0101du ieg\u016bsto\u0161ais kred\u012bta dev\u0113js attiec\u012bgaj\u0101 br\u012bd\u012b piem\u0113ro jaunu hipotek\u0101ro kred\u012btu izsnieg\u0161anai. Vienlaikus konkurences veicin\u0101\u0161anai atcelti rekl\u0101mas ierobe\u017eojumi hipotek\u0101rajiem kred\u012btiem, kred\u012btiem nekustam\u0101 \u012bpa\u0161uma b\u016bvniec\u012bbai vai energoefektivit\u0101tes paaugstin\u0101\u0161anai\u200b. T\u0101pat defin\u0113ta hipotek\u0101r\u0101 p\u0101rkredit\u0113\u0161ana, k\u0101 ar\u012b noteiktas ties\u012bbas un pien\u0101kumi iepriek\u0161\u0113jam kred\u012bta dev\u0113jam, jaunajam kred\u012bta dev\u0113jam un pat\u0113r\u0113t\u0101jam\u200b.\u00a0Prec\u012bza k\u0101rt\u012bba tiks atrun\u0101ta MK noteikumos Nr. 691 “Noteikumi par pat\u0113r\u0113t\u0101ja kredit\u0113\u0161anu”.<\/p>\n\n\n\n

Groz\u012bjumi Kred\u012btiest\u0101\u017eu likum\u0101<\/strong><\/a>\u00a0\u013caus\u00a0kred\u012btiest\u0101dei sniegt neizpau\u017eam\u0101s zi\u0146as citai kred\u012btiest\u0101dei vai kred\u012bta dev\u0113jam, ja \u0161\u012bs zi\u0146as nepiecie\u0161amas hipotek\u0101rai p\u0101rkredit\u0113\u0161anai\u200b. \u0160\u012b inform\u0101cija b\u016bs nepiecie\u0161ama jaunajam kred\u012bta dev\u0113jam, lai izteiktu savu pied\u0101v\u0101jumu pat\u0113r\u0113t\u0101jam.\u200b<\/p>\n\n\n\n

Groz\u012bjumi Notari\u0101ta likum\u0101<\/strong><\/a>\u00a0nodro\u0161in\u0101s, ka ar\u012b nebanku kredit\u0113t\u0101ji var iesniegt pazi\u0146ojumu zv\u0113rin\u0101tam not\u0101ram elektroniski Latvijas Zv\u0113rin\u0101tu not\u0101ru padomes t\u012bmek\u013cvietn\u0113 izveidot\u0101 datu snieg\u0161anas kan\u0101l\u0101\u200b.<\/p>\n\n\n\n

Groz\u012bjumi Apdro\u0161in\u0101\u0161anas l\u012bguma likum\u0101<\/strong><\/a>\u00a0paredz, ka hipotek\u0101r\u0101s p\u0101rkredit\u0113\u0161anas gad\u012bjum\u0101 pat\u0113r\u0113t\u0101jam b\u016bs ties\u012bbas vienpus\u0113ji izbeigt eso\u0161o nekustam\u0101 \u012bpa\u0161uma apdro\u0161in\u0101\u0161anas l\u012bgumu. Groz\u012bjumi nepiecie\u0161ami, lai pat\u0113r\u0113t\u0101jam nerastos papildu izmaksas p\u0101rkredit\u0113\u0161anas proces\u0101.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n
\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

Saeima \u0161.g. 15.\u00a0febru\u0101r\u012b gal\u012bgaj\u0101 las\u012bjum\u0101 pie\u0146\u0113ma groz\u012bjumus \u010detros likumos, lai atvieglotu pat\u0113r\u0113t\u0101ju iesp\u0113jas p\u0101rkredit\u0113t hipotek\u0101ros kred\u012btus un vienlaikus veicinot konkurenci kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju starp\u0101, att\u012bstot kred\u012btiest\u0101\u017eu pied\u0101v\u0101tos risin\u0101jumus hipotek\u0101ro kred\u012btu \u0146\u0113m\u0113jiem un mazinot augst\u0101s hipotek\u0101ro kred\u012btu likmes.<\/p>\n","protected":false},"author":1938,"featured_media":22962,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"_links":{"self":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/22963"}],"collection":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/users\/1938"}],"replies":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22963"}],"version-history":[{"count":1,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/22963\/revisions"}],"predecessor-version":[{"id":22966,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/22963\/revisions\/22966"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/media\/22962"}],"wp:attachment":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}