{"id":40191,"date":"2025-11-04T22:30:08","date_gmt":"2025-11-04T22:30:08","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/40191\/"},"modified":"2025-11-04T22:30:08","modified_gmt":"2025-11-04T22:30:08","slug":"paradu-piedzina-popularakie-jautajumi-un-padomi","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/40191\/","title":{"rendered":"Par\u0101du piedzi\u0146a \u2013 popul\u0101r\u0101kie jaut\u0101jumi un padomi"},"content":{"rendered":"<p>\u0160aj\u0101 raidieraksta \u201cK\u0101 likums!\u201d epizod\u0113 v\u0113r\u0161am uzman\u012bbu par\u0101dsaist\u012bb\u0101m un to piedzi\u0146ai. Aizvad\u012bt\u0101 gada 1. oktobr\u012b st\u0101j\u0101s sp\u0113k\u0101 jaun\u0101 par\u0101du piedzi\u0146as k\u0101rt\u012bba, ko \u012bsteno zv\u0113rin\u0101ti tiesu izpild\u012bt\u0101ji. LV port\u0101ls ir akt\u012bvi iesaist\u012bjies t\u0101s skaidro\u0161an\u0101. K\u0101di ar par\u0101du piedzi\u0146u saist\u012btie jaut\u0101jumi visbie\u017e\u0101k interes\u0113 LV port\u0101la las\u012bt\u0101jiem, un k\u0101dus secin\u0101jumus par tiem atkl\u0101j Latvijas iedz\u012bvot\u0101ju ties\u012bbprat\u012bbas m\u0113r\u012bjums?<\/p>\n<p>P\u0113c AS \u201cKred\u012btinform\u0101cijas birojs\u201d datiem 2024. gad\u0101 Latvijas iedz\u012bvot\u0101ju par\u0101dsaist\u012bbas, kas kav\u0113tas vair\u0101k nek\u0101 tr\u012bs m\u0113ne\u0161us, bija aptuveni 1,7\u00a0miljardu eiro apm\u0113r\u0101. 90% no kop\u0113j\u0101 par\u0101du portfe\u013ca veidoja komercbanku un nebanku kredit\u0113t\u0101ji, tai skait\u0101 l\u012bzinga uz\u0146\u0113mumi, bet p\u0101r\u0113jos 10% ietilpa par\u0101di par elektroniskajiem sakariem, nekustam\u0101 \u012bpa\u0161uma uztur\u0113\u0161anu, slimn\u012bcu, autost\u0101vvietu un citiem pakalpojumiem.\u00a0<\/p>\n<p>\u0160ovasar veikt\u0101 <a href=\"https:\/\/lvportals.lv\/norises\/380428-ko-uzzinajam-par-latvijas-iedzivotaju-tiesibpratibu-un-kapec-ta-ir-svariga-2025\" target=\"_blank\" rel=\"nofollow noopener\">Latvijas iedz\u012bvot\u0101ju ties\u012bbprat\u012bbas m\u0113r\u012bjuma<\/a>\u00a0rezult\u0101ti liecina, ka vair\u0101k nek\u0101 puse jeb 51%\u00a0p\u0113t\u012bjuma dal\u012bbnieku savas zin\u0101\u0161anas par par\u0101du piedzi\u0146as jaut\u0101jumiem v\u0113rt\u0113 k\u0101 sliktas vai \u013coti sliktas.<\/p>\n<p>Var\u0113tu pie\u0146emt, ka par\u0101du piedzi\u0146a ir ties\u012bbu joma, kas skar nelielu iedz\u012bvot\u0101ju da\u013cu, tom\u0113r zin\u0101\u0161anas par iesp\u0113jamaj\u0101m sek\u0101m, uz\u0146emoties nepanesamas finan\u0161u saist\u012bbas, var noder\u0113t ikvienam. M\u016bsu t\u0113ri\u0146i un finan\u0161u paradumi ikdien\u0101 var ietekm\u0113t l\u0113mumus n\u0101kotn\u0113.<\/p>\n<p>K\u0101 <a href=\"https:\/\/lvportals.lv\/norises\/381673-kas-veido-personas-kreditvesturi-2025\" target=\"_blank\" rel=\"nofollow noopener\">raidieraksta epizod\u0113 par l\u012bdz\u012bgu t\u0113mu \u2013 kred\u012btv\u0113sturi \u2013<\/a> nor\u0101da \u201cLuminor\u201d bankas Hipotek\u0101r\u0101s kredit\u0113\u0161anas noda\u013cas vad\u012bt\u0101js Kaspars\u00a0Sausais, uz\u0146emoties kred\u012btsaist\u012bbas, svar\u012bgi ir atbild\u012bgi izv\u0113rt\u0113t un apzin\u0101ties savu finansi\u0101lo iesp\u0113ju robe\u017eas, lai sp\u0113tu saist\u012bbas pild\u012bt. \u00a0\u00a0<\/p>\n<p>Ta\u010du, ja san\u0101cis \u201ciekulties\u201d par\u0101dos un ir uzs\u0101kts piespiedu piedzi\u0146as process, b\u016btiski neizvair\u012bties no probl\u0113mas (t\u0101 nepazud\u012bs) un iepaz\u012bties ar sav\u0101m ties\u012bb\u0101m un pien\u0101kumiem.<\/p>\n<p>Par\u0101du piedzi\u0146u p\u0113c tiesas nol\u0113muma regul\u0113 vair\u0101ki normat\u012bvie akti:\u00a0<\/p>\n<p>Viena no izplat\u012bt\u0101kaj\u0101m k\u013c\u016bd\u0101m, ko\u00a0kred\u012bt\u0146\u0113m\u0113ji pie\u013cauj, kad saist\u012bbu izpilde k\u013cuvusi par samilzu\u0161u probl\u0113mu, ir neko nedar\u012bt un dom\u0101t, ka par\u0101dam iest\u0101sies ties\u012bbu aktos noteiktais tr\u012bs (<a href=\"https:\/\/likumi.lv\/ta\/id\/5490-komerclikums#p406\" target=\"_blank\" rel=\"nofollow noopener\">Komerclikuma 406.\u00a0pants<\/a>) vai 10 (<a href=\"https:\/\/likumi.lv\/ta\/id\/90220?&amp;search=on#p1893\" target=\"_blank\" rel=\"nofollow noopener\">Civillikuma 1895.\u00a0pants<\/a>) gadu noilgums, t\u0101d\u0113\u013c to piedz\u012bt vairs neb\u016bs iesp\u0113jams.<\/p>\n<p>Aplama r\u012bc\u012bba ir ar\u012b izvair\u012b\u0161an\u0101s no <a href=\"https:\/\/likumi.lv\/ta\/id\/50500-civilprocesa-likums#p552\" target=\"_blank\" rel=\"nofollow noopener\">Civilprocesa likuma 552.\u00a0pant\u0101<\/a> paredz\u0113t\u0101 par\u0101dnieka pien\u0101kuma piedzi\u0146as proces\u0101 veidot sazi\u0146u ar tiesu izpild\u012bt\u0101ju, k\u0101 rezult\u0101t\u0101 nereti ietur\u0113jumiem tiek pak\u013cauti naudas l\u012bdzek\u013ci, uz kuriem piedzi\u0146a nav attiecin\u0101ma.<\/p>\n<p>K\u0101 tre\u0161\u0101 probl\u0113ma minama par\u0101dnieku nezi\u0146a par jauno par\u0101du piedzi\u0146as k\u0101rt\u012bbu, kas st\u0101j\u0101s sp\u0113k\u0101 2024. gada\u00a01.\u00a0oktobr\u012b. Par to liecina LV\u00a0port\u0101la sada\u013c\u0101 \u201cE-konsult\u0101cijas\u201d <a href=\"https:\/\/lvportals.lv\/e-konsultacijas\/visas-atbildes\/tema:3872\" target=\"_blank\" rel=\"nofollow noopener\">iesniegtie jaut\u0101jumi<\/a>.<\/p>\n<p>          <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/lv\/wp-content\/uploads\/2025\/11\/logo-lv.png\" alt=\"\"\/><\/p>\n","protected":false},"excerpt":{"rendered":"\u0160aj\u0101 raidieraksta \u201cK\u0101 likums!\u201d epizod\u0113 v\u0113r\u0161am uzman\u012bbu par\u0101dsaist\u012bb\u0101m un to piedzi\u0146ai. Aizvad\u012bt\u0101 gada 1. oktobr\u012b st\u0101j\u0101s sp\u0113k\u0101 jaun\u0101&hellip;\n","protected":false},"author":2,"featured_media":40192,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,28,29,32,33,22,30,31,35,39,38,36,37,34,40,20,26,27,24,25,21],"class_list":{"0":"post-40191","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-featured-news","12":"tag-featurednews","13":"tag-headlines","14":"tag-latest-news","15":"tag-latestnews","16":"tag-latvia","17":"tag-latvian","18":"tag-latviesu","19":"tag-latviesu-valoda","20":"tag-latviesuvaloda","21":"tag-latvija","22":"tag-lv","23":"tag-news","24":"tag-popularakas-zinas","25":"tag-popularakaszinas","26":"tag-top-stories","27":"tag-topstories","28":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115493799533134678","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/40191","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=40191"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/40191\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/40192"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=40191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=40191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=40191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}