\u012apa\u0161i mazajiem un vid\u0113jiem uz\u0146\u0113mumiem t\u0101s ir vair\u0101k nek\u0101 tikai administrat\u012bvas galvass\u0101pes: da\u017ei kav\u0113ti r\u0113\u0137ini var \u0101tri vien izjaukt darb\u012bbu, aizkav\u0113t invest\u012bcijas un pat apdraud\u0113t ilgtermi\u0146a stabilit\u0101ti. Ja maks\u0101jumi netiek sa\u0146emti, uz\u0146\u0113mumi praktiski ir spiesti finans\u0113t savus klientus bez vi\u0146u piekri\u0161anas.<\/p>\n
Lai nov\u0113rstu \u0161o nel\u012bdzsvarot\u012bbu, Eiropas Savien\u012bba ieviesa ES Direkt\u012bva par maks\u0101jumu kav\u0113jumiem komercdar\u012bjumos<\/a> 2011. gada febru\u0101r\u012b, kas sniedz uz\u0146\u0113mumiem skaidras likum\u012bgas ties\u012bbas gad\u012bjumos, ja r\u0113\u0137ini netiek apmaks\u0101ti savlaic\u012bgi. B\u016btiski, ka \u0161is regul\u0113jums ir izstr\u0101d\u0101ts, lai attur\u0113tu no kav\u0113tiem maks\u0101jumiem, \u013caujot kreditoriem iekas\u0113t procentus un atg\u016bt papildu izmaksas.<\/p>\n \u0160aj\u0101 rakst\u0101 ir izskaidrots, kas \u012bsti ir nokav\u0113juma procenti, kad tie tiek piem\u0113roti un k\u0101 j\u016bs tos varat izmantot praks\u0113, it \u012bpa\u0161i str\u0101d\u0101jot ar starptautiskiem klientiem, kur par\u0101du piedzi\u0146a bie\u017ei vien ir sare\u017e\u0123\u012bt\u0101ka.<\/p>\n Saska\u0146\u0101 ar Eiropas l\u012bgumties\u012bb\u0101m un Direkt\u012bva 2011\/7\/ES<\/a>, nokav\u0113juma procenti ir summa, kas par\u0101dniekam ir j\u0101maks\u0101 papildus kav\u0113tam r\u0113\u0137inam k\u0101 kompens\u0101cija u\u017e maks\u0101juma kav\u0113jumu. Vienk\u0101r\u0161iem v\u0101rdiem sakot, tie ir paredz\u0113ti, lai segtu izmaksas par naudas gaid\u012b\u0161anu, kurai bija j\u0101b\u016bt samaks\u0101tai laikus.<\/p>\n Eirop\u0101 B2B r\u0113\u0137iniem var tikt piem\u0113roti divi galvenie procentu veidi:<\/p>\n Vairum\u0101 gad\u012bjumu procenti s\u0101k uzkr\u0101ties autom\u0101tiski, tikl\u012bdz ir pag\u0101jis saska\u0146otais apmaksas termi\u0146\u0161, kas noz\u012bm\u0113, ka jums nav j\u0101br\u012bdina par\u0101ds piedzin\u0113js, lai tie st\u0101tos sp\u0113k\u0101 ofici\u0101li. Tom\u0113r skaidri nor\u0101d\u012bti apmaksas nosac\u012bjumi (tostarp procenti) praks\u0113 iev\u0113rojami atvieglo to piedzi\u0146u.<\/p>\n Eirop\u0101 darbojo\u0161ies uz\u0146\u0113mumi g\u016bst labumu no skaidra tiesisk\u0101 regul\u0113juma, kas nov\u0113r\u0161 maks\u0101jumu kav\u0113jumus un aizsarg\u0101 naudas pl\u016bsmu. \u0160\u012bs sist\u0113mas pamat\u0101 ir ES Direkt\u012bva par maks\u0101jumu kav\u0113jumiem, kas vis\u0101s ES dal\u012bbvalst\u012bs nosaka kreditoru minim\u0101l\u0101s ties\u012bbas B2B dar\u012bjumos.<\/p>\n Viens no svar\u012bg\u0101kajiem aspektiem ir tas, ka procenti par maks\u0101juma kav\u0113jumu tiek piem\u0113roti autom\u0101tiski, tikl\u012bdz ir pag\u0101jis norun\u0101tais maks\u0101juma termi\u0146\u0161.<\/p>\n Tas nov\u0113r\u0161 b\u016btisku \u0161\u0137\u0113rsli ties\u012bbu aktu izpildei un nekav\u0113joties nodro\u0161ina jums stabil\u0101ku juridisko st\u0101vokli.<\/p>\n Direkt\u012bv\u0101 ir noteikta ar\u012b minim\u0101l\u0101 procentu likme. Ja l\u012bgum\u0101 nav vienoju\u0161ies par likmi, tiek piem\u0113rota likum\u0101 noteikt\u0101 likme, kas parasti ir Eiropas Centr\u0101l\u0101s bankas (ECB) atsauces likme<\/a> plus vismaz 8 procentu punkti, k\u0101 noteikts 3. panta 1. punkta d) apak\u0161punkt\u0101. Tas nodro\u0161ina, ka maks\u0101juma kav\u0113jumam ir noz\u012bm\u012bgas finansi\u0101las sekas par\u0101dniekam.<\/p>\n Uz\u0146\u0113mumiem ir ar\u012b ties\u012bbas piepras\u012bt fiks\u0113tu kompens\u0101ciju vismaz 40 eiro apm\u0113r\u0101 par katru r\u0113\u0137inu, lai segtu atg\u016b\u0161anas izmaksas, papildus procentiem.<\/p>\n Ja j\u016bsu faktisk\u0101s piedzi\u0146as izmaksas p\u0101rsniedz \u0161o summu, jums var b\u016bt ties\u012bbas piepras\u012bt ar\u012b sam\u0113r\u012bgus papildu izdevumus, piem\u0113ram, juridiskos izdevumus vai par\u0101da piedzi\u0146as izmaksas.<\/p>\n Pirms procentu apr\u0113\u0137in\u0101\u0161ana<\/a>, vispirms ir j\u0101nosaka piem\u0113rojam\u0101 procentu likme. Saska\u0146\u0101 ar ES Direkt\u012bvu par maks\u0101jumu kav\u0113jumiem, ja l\u012bgum\u0101 nav saska\u0146ota likme, piem\u0113ro likumisko likmi. T\u0101s pamat\u0101 ir:<\/p>\n Piem\u0113ram, ja ECB atsauces likme ir 2%, likum\u0101 noteikt\u0101 procentu likme par maks\u0101jumu kav\u0113jumiem b\u016btu vismaz 10% gad\u0101.<\/p>\n Ja v\u0113laties aptuveni apr\u0113\u0137in\u0101t, cik liela nokav\u0113juma nauda ir j\u0101maks\u0101, varat izmantot \u0161o formulas:<\/p>\n Procenti = r\u0113\u0137ina summa \u00d7 (ECB procentu likme \u00f7 365) \u00d7 kav\u0113juma dienas<\/em><\/p><\/blockquote>\n T\u0101d\u0113j\u0101di, ja izrakst\u0101t r\u0113\u0137inu par 5 000 eiro ar gada procentu likmi 10% un maks\u0101jums ir kav\u0113ts par 60 dien\u0101m:<\/p>\n Dienas likme = 10% \u00f7 365<\/em> Lai gan ES Direkt\u012bva par maks\u0101jumu kav\u0113jumiem nosaka vienotu tiesisko regul\u0113jumu vis\u0101 Eirop\u0101, t\u0101s praktisk\u0101 piem\u0113ro\u0161ana at\u0161\u0137iras atkar\u012bb\u0101 no valsts:<\/p>\n T\u0101 rezult\u0101t\u0101 prec\u012bz\u0101 likme, ko varat piem\u0113rot, var at\u0161\u0137irties atkar\u012bb\u0101 no t\u0101, kur atrodas j\u016bsu klients.<\/p>\n Neatkar\u012bgi no pa\u0161as likmes, past\u0101v ar\u012b at\u0161\u0137ir\u012bbas noteikumu piem\u0113ro\u0161an\u0101 un izpild\u0113. Maks\u0101jumu kult\u016bra, administrat\u012bvie procesi un juridisk\u0101 eskal\u0101cija var b\u016btiski at\u0161\u0137irties starp t\u0101d\u0101m valst\u012bm k\u0101 Sp\u0101nija<\/a>, V\u0101cija<\/a> un Francija<\/a>. Da\u017eos tirgos procentu iekas\u0113\u0161ana ir ierasta un gaid\u012bta, savuk\u0101rt citos t\u0101 var pras\u012bt ofici\u0101l\u0101kus so\u013cus vai r\u016bp\u012bgu apie\u0161anos, lai izvair\u012btos no str\u012bdiem.<\/p>\n \u0160aj\u0101 gad\u012bjum\u0101 ne tikai likuma izpratne, bet ar\u012b izpratne par to, k\u0101 tas tiek piem\u0113rots praks\u0113, var b\u016btiski ietekm\u0113t to, vai r\u0113\u0137ins galu gal\u0101 tiks apmaks\u0101ts. T\u0101das platformas k\u0101 Oddcoll risina \u0161o probl\u0113mu, sniedzot viet\u0113jo pieredzi<\/a>, savienojot uz\u0146\u0113mumus ar p\u0101rbaud\u012btiem par\u0101du piedzi\u0146as speci\u0101listiem attiec\u012bgaj\u0101 valst\u012b.<\/p>\n \u0160\u012b pieeja pal\u012bdz nodro\u0161in\u0101t, ka nokav\u0113juma procenti un atg\u016b\u0161anas pas\u0101kumi tiek veikti saska\u0146\u0101 ar viet\u0113jiem noteikumiem un gaid\u0101m.<\/p>\n Ties\u012bbas iekas\u0113t procentus ir v\u0113rt\u012bgas tikai tad, ja t\u0101s tiek konsekventi piem\u0113rotas un izpild\u012btas. Saska\u0146\u0101 ar ES Direkt\u012bvu par maks\u0101jumu kav\u0113jumiem nokav\u0113juma procenti parasti s\u0101k uzkr\u0101ties autom\u0101tiski, tikl\u012bdz ir pag\u0101jis saska\u0146otais termi\u0146\u0161. Tas, vai r\u0113\u0137ins tiek apmaks\u0101ts vai n\u0113, parasti ir atkar\u012bgs no izpildes.<\/p>\n S\u0101ciet ar skaidriem, izpild\u0101miem apmaksas noteikumiem. J\u016bsu noteikumiem ir j\u0101nosaka vismaz apmaksas termi\u0146\u0161, piem\u0113rojam\u0101 procentu likme un visas papildu piedzi\u0146as izmaksas. Ja t\u0101s ir skaidri nor\u0101d\u012btas jau iepriek\u0161, to izpilde v\u0113l\u0101k k\u013c\u016bst daudz vienk\u0101r\u0161\u0101ka.<\/p>\n Praks\u0113 uz\u0146\u0113mumi, kas efekt\u012bvi atg\u016bst maks\u0101jumus, parasti iev\u0113ro struktur\u0113ts atg\u0101din\u0101jumu process<\/a>. L\u012bdz br\u012bdim, kad tiek izsniegts gal\u012bgais pazi\u0146ojums, ir skaidri j\u0101nor\u0101da pilna maks\u0101jam\u0101 summa, ieskaitot procentus.<\/p>\n Ja iek\u0161\u0113j\u0101s p\u0101rbaudes nedod rezult\u0101tu un maks\u0101jums netiek veikts, procesam ir j\u0101iet t\u0101l\u0101k par atg\u0101din\u0101jumiem<\/a>. Tas parasti noz\u012bm\u0113 ofici\u0101la br\u012bdin\u0101juma izteik\u0161anu un gatavo\u0161anos tre\u0161o pu\u0161u iesaist\u012b\u0161anai.<\/p>\n Pat ar sp\u0113c\u012bgu juridisko pamatu saska\u0146\u0101 ar ES Direkt\u012bvu par maks\u0101jumu kav\u0113jumiem, p\u0101rrobe\u017eu piedzi\u0146as izpilde ir atkar\u012bga no t\u0101, cik labi lieta tiek risin\u0101ta par\u0101dnieka valst\u012b.<\/p>\n Valodas barjeras, viet\u0113j\u0101s juridisk\u0101s proced\u016bras un at\u0161\u0137ir\u012bgas nor\u0113\u0137inu kult\u016bras ietekm\u0113 rezult\u0101tus. Standartiz\u0113ta, visiem vien\u0101di piem\u0113rojama l\u00e4eja reti str\u0101d\u0101 vair\u0101k\u0101s jurisdikcij\u0101s.<\/p>\n Tie\u0161i \u0161eit \u012bpa\u0161a pieeja k\u013c\u016bst v\u0113rt\u012bga. T\u0101 viet\u0101, lai pa\u013cautos uz vienu a\u0123ent\u016bru vai par\u0101du piedzi\u0146u veiktu iek\u0161\u0113ji, \u201eOddcoll\u201c darbojas k\u0101 platforma, kas katru lietu nos\u016bta p\u0101rbaud\u012btiem par\u0101du piedzi\u0146as partneriem attiec\u012bgaj\u0101 valst\u012b.<\/p>\n Katru gad\u012bjumu izskata viet\u0113jais speci\u0101lists<\/a> kur\u0161 p\u0101rzina par\u0101dnieka tirgus tiesisko regul\u0113jumu, valodu un komercdarb\u012bbas normas. Svar\u012bgi ir tas, ka \u0161ie partneri tiek izv\u0113l\u0113ti, pamatojoties uz darb\u012bbas r\u0101d\u012bt\u0101jiem, kas noz\u012bm\u0113, ka lietas tiek novirz\u012btas a\u0123ent\u016br\u0101m, kur\u0101m ir pier\u0101d\u012bti pan\u0101kumi attiec\u012bgaj\u0101 valst\u012b.<\/p>\n \u0160is modelis \u013cauj uz\u0146\u0113mumiem:<\/p>\n Apvienojot struktur\u0113tu eskal\u0101cijas procesu ar viet\u0113jo izpildi, Oddcoll pal\u012bdz p\u0101rv\u0113rst procentus par maks\u0101jumu kav\u0113jumiem no teor\u0113tisk\u0101m ties\u012bb\u0101m par praktisku par\u0101da piedzi\u0146as l\u012bdzekli.<\/p>\n Ja jums n\u0101kas saskarties ar neapmaks\u0101tiem B2B r\u0113\u0137iniem starpvalstu l\u012bmen\u012b, pareizi izstr\u0101d\u0101ta proced\u016bra ir iz\u0161\u0137iro\u0161ais faktors. Oddcoll pal\u012bdz uz\u0146\u0113mumiem atg\u016bt par\u0101dus, apvienojot centraliz\u0113tu platformu ar viet\u0113jiem, uz rezult\u0101tiem orient\u0113tiem par\u0101du piedzi\u0146as partneriem.<\/p>\n T\u0101 viet\u0101, lai maks\u0101jumus piedz\u012btu pa\u0161u sp\u0113kiem, j\u016bs varat novirz\u012bt lietas speci\u0101listiem, kuri prot r\u012bkoties katr\u0101 tirg\u016b, t\u0101d\u0113j\u0101di uzlabojot atg\u016b\u0161anas r\u0101d\u012bt\u0101jus un ietaupot laiku.<\/p>\n Sazinieties ar k\u0101du no m\u016bsu par\u0101du piedzi\u0146as speci\u0101listiem<\/a> tagad un s\u0101ciet atg\u016bt savus neapmaks\u0101tos r\u0113\u0137inus ar risin\u0101jumu, kas izstr\u0101d\u0101ts starptautisk\u0101 B2B par\u0101du piedzi\u0146a<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Late payments are one of the most persistent threats to business cash flow across Europe. For small and medium-sized companies in particular, they\u2019re more than an administrative headache: a handful of overdue invoices can quickly disrupt operations, delay investment and even threaten long-term stability.\u00a0When payments don\u2019t come through, businesses are effectively forced into financing their […]<\/p>\n","protected":false},"author":6,"featured_media":4014,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-and-publications"],"acf":[],"_links":{"self":[{"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/posts\/3475","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/comments?post=3475"}],"version-history":[{"count":0,"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/posts\/3475\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/media\/4014"}],"wp:attachment":[{"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/media?parent=3475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/categories?post=3475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oddcoll.com\/lv\/wp-json\/wp\/v2\/tags?post=3475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nKav\u0113juma procenti<\/h2>\n
\n
\nJ\u016bsu likum\u012bg\u0101sties\u012bbas uz nokav\u0113juma procentiem ES<\/h2>\n
Autom\u0101tiskas ties\u012bbas apr\u0113\u0137in\u0101t procentus<\/h3>\n
\n
Minim\u0101l\u0101 likum\u0101 noteikt\u0101 procentu likme<\/h3>\n
Fiks\u0113ta kompens\u0101cijas maksa (40 eiro un vair\u0101k)<\/h3>\n
\nK\u0101 apr\u0113\u0137in\u0101t nokav\u0113juma procentus par B2B r\u0113\u0137iniem Eirop\u0101<\/h2>\n
\n
Vienk\u0101r\u0161a kav\u0113juma procentu apr\u0113\u0137in\u0101\u0161anas metode<\/h3>\n
\nProcenti = 5 000 \u20ac \u00d7 (0,10 \u00f7 365) \u00d7 60<\/em>
\nKop\u0113jie procenti \u2248 82,19 \u20ac<\/em><\/p><\/blockquote>\nAt\u0161\u0137ir\u012bbas starp ES dal\u012bbvalst\u012bm<\/h3>\n
\n
\nK\u0101 piem\u0113rot un piedz\u012bt nokav\u0113juma procentus par B2B r\u0113\u0137iniem Eirop\u0101<\/h2>\n
P\u0101rrobe\u017eu par\u0101du piedzi\u0146as izaicin\u0101jumi<\/h3>\n
\n
\nP\u0101rv\u0113rtiet nokav\u0113tos r\u0113\u0137inus atg\u016bt\u0101 skaidr\u0101 naud\u0101<\/h2>\n