Skolininkai Socialinės apsaugos ir darbo ministerija (SADM) siūlo mažinti skolų išskaitas iš darbo užmokesčio, diferencijuoti išskaitymo tarifus, kad nedirbantys skolininkai galėtų grįžti į darbo rinką, o jų kreditoriams atsirastų galimybė atgauti skolas. Antstolių informacinės sistemos (AIS) duomenimis, 2023 m. balandžio mėnesį Lietuvoje iš viso buvo beveik 207 tūkst. antstoliams perduotų skolininkų. Jų įsiskolinimai įvairiems kreditoriams viršijo 4 mlrd. eurų ir siekė 6 proc. šalies BVP. Dauguma skolininkų (apie 70 proc.) neturi pajamų arba patenka tarp mažiausiai uždirbančių. Nacionalinio skurdo mažinimo tinklo apklausa rodo, jog skolininkus oficialiai dirbti demotyvuoja dideli atskaitymai iš darbo užmokesčio.
„Esama skolų išieškojimo tvarka nėra efektyvi, priešingai – problema tik gilėja. Išskaitų iš darbo užmokesčio dydžiai neatitinka skolininkų finansinių galimybių susimokėti. Tai skatina skolininkus slėpti pajamas, dirbti nelegaliai. Auga nedarbas ir šešėlinė rinka, skurdas ir socialinė atskirtis, didėja valstybės ir savivaldybių išlaidos socialinei paramai. Nukenčia ir patys kreditoriai, nes dauguma skolininkų nedirba. Todėl nėra iš ko skolas išskaityti. Atitinkamai, dideli skolų išieškojimo tarifai tik mažina galimybę susigrąžinti skolas. Ministerijos siūlymas padėtų efektyviai spręsti šią daugialypę problemą“, – sako Rokas Keršys Socialinės apsaugos ir darbo ministerijos projektų vadovas, „Kurk Lietuvai“ programos dalyvis.
Ministerijos siūlymas
Socialinės apsaugos ir darbo ministerija siūlo sudaryti daugiau paskatų nedirbantiems skolininkams grįžti į formalią darbo rinką, o jau dirbantiems – padidinti pajamas. Vienas iš būdų to pasiekti – išskaitų iš darbo užmokesčio mažinimas ir smulkesnis išskaitymo tarifų diferencijavimas.
Šiuo metu iš minimalaus mėnesinio atlyginimo (MMA) antstolis gali išskaičiuoti 20 proc., o turint daugiau nei vieną skolą – 30 proc. pajamų. Iš pajamų, viršijančių MMA, išskaičiuojama 50 proc. SADM siūlo taikyti progresinį tarifų laiptavimą, taip priartinant reguliavimą prie kaimyninių šalių praktikų – iš MMA išskaičiuojant tik 10 proc. Tai skolų naštą labiausiai palengvintų didžiausiai skolininkų grupei – mažiausiai uždirbantiems ir neuždirbantiems. Atitinkamai, kreditoriams atsirastų galimybė atgauti skolas.
Tuo tarpu Lenkijoje, Estijoje ir Latvijoje skolininkui yra paliekamas MMA t.y. iš MMA neišskaitomos skolos. Išimtis taikoma tik alimentams, baudoms ir išieškojimas už žmogaus sužalojimą.
Esama situacija
Antstolių informacinės sistemos 2023 m. balandžio mėn. duomenis, iš viso Lietuvoje buvo apie 207 tūkst. antstoliams perduotų aktyvių skolininkų. Jiems buvo iškelta 1,35 mln. bylų, kurių skolų suma siekė virš 4 mlrd. eurų. Tai atitinka 6 % šalies bendrojo vidaus produkto.
Dauguma skolininkų (apie 70 proc.) neturi pajamų. Jiems priklauso ir dauguma skolų bylų (75 proc.), kurių išieškotina suma 1,9 mlrd. eurų. VDA skaičiavimais, 2023 m. vasario mėnesį gavusių pajamas asmenų sukaupta skola siekė 1,2 mlrd. eurų arba apie 30 proc. bendros sumos. Iš jų, 721 mln. eurų skola yra tų, kurių pajamos buvo mažesnės arba lygios MMA (apie 10 proc. visų skolininkų), o 519,5 mln. eurų skola tų, kurių pajamos buvo didesnės, nei MMA. Duomenų analizė rodo, jog skolininkų pajamos yra per žemos, kad galėtų padengti skolas.
Nacionalinio skurdo mažinimo tinklo atlikta apklausa rodo, jog skolininkus oficialiai dirbti demotyvuoja dideli atskaitymai iš algos, todėl “labiau apsimoka pragyventi iš nelegalaus darbo ar socialinių pašalpų“, – taip atsakė 75 proc. apklaustų respondentų.
Skolų išieškojimas stringa, nes skolininkai neturi oficialių pajamų. Antstoliai per 2022 m. išieškojo tik 4,2 proc. (225 mln. eurų) bendros skolų bylų sumos (5,4 mlrd. Eurų). Nuo 2021 m. bendra deklaruota skolų bylų suma išaugo net 600 mln. eurų. Tačiau antstolių išieškota suma augo 10 kartų mažiau – išieškota vos 59 mln. eurų daugiau nei 2021 m.
F*ckin¦ remarkable things here. I am very happy to look your article. Thank you so much and i am having a look ahead to contact you. Will you kindly drop me a e-mail?
whoah this blog is great i love reading your posts. Keep up the great work! You know, many people are searching around for this info, you could help them greatly.
Hello there! This is my first comment here so I just wanted to give a quick shout out and say I genuinely enjoy reading your posts. Can you suggest any other blogs/websites/forums that cover the same topics? Thanks a lot!
Howdy I am so happy I found your site, I really found you by error, while I was looking on Askjeeve for something else, Nonetheless I am here now and would just like to say thanks a lot for a marvelous post and a all round exciting blog (I also love the theme/design), I don’t have time to browse it all at the moment but I have saved it and also added your RSS feeds, so when I have time I will be back to read a lot more, Please do keep up the awesome job.
Very interesting topic, appreciate it for putting up. „I am convinced that life in a physical body is meant to be an ecstatic experience.” by Shakti Gawain.
You made some nice points there. I looked on the internet for the topic and found most people will consent with your site.
Terrific post however , I was wondering if you could write a litte more on this subject? I’d be very thankful if you could elaborate a little bit more. Kudos!
Thanks, I have just been looking for information approximately this topic for a while and yours is the greatest I have discovered so far. However, what in regards to the bottom line? Are you certain about the source?
This website is amazing, with a clean design and easy navigation.
LOTTOCHAMP
I love how user-friendly and intuitive everything feels.
The design and usability are top-notch, making everything flow smoothly.
LOTTO CHAMP REVIEW
I’m really impressed by the speed and responsiveness.
I’m really impressed by the speed and responsiveness.
I will immediately grab your rss as I can not find your email subscription link or newsletter service. Do you’ve any? Kindly let me know so that I could subscribe. Thanks.
SLIMJARO
You could certainly see your skills in the paintings you write. The world hopes for more passionate writers such as you who are not afraid to say how they believe. Always follow your heart. „The point of quotations is that one can use another’s words to be insulting.” by Amanda Cross.
AQUA SCULPT REVIEWS
I think this website holds some very excellent info for everyone. „I prefer the wicked rather than the foolish. The wicked sometimes rest.” by Alexandre Dumas.
We are a group of volunteers and starting a new scheme in our community. Your web site provided us with helpful information to paintings on. You have performed an impressive task and our entire neighborhood will likely be thankful to you.
Friendship, some say, is a single soul residing in two bodies, but why limit it to two? What if friendship is more like a great, endless web, where each connection strengthens the whole? Maybe we are not separate beings at all, but parts of one vast consciousness, reaching out through the illusion of individuality to recognize itself in another.
Man is said to seek happiness above all else, but what if true happiness comes only when we stop searching for it? It is like trying to catch the wind with our hands—the harder we try, the more it slips through our fingers. Perhaps happiness is not a destination but a state of allowing, of surrendering to the present and realizing that we already have everything we need.
After study a few of the blog posts on your website now, and I truly like your way of blogging. I bookmarked it to my bookmark website list and will be checking back soon. Pls check out my web site as well and let me know what you think.
Virtue, they say, lies in the middle, but who among us can truly say where the middle is? Is it a fixed point, or does it shift with time, perception, and context? Perhaps the middle is not a place but a way of moving, a constant balancing act between excess and deficiency. Maybe to be virtuous is not to reach the middle but to dance around it with grace.
You could certainly see your enthusiasm in the paintings you write. The arena hopes for more passionate writers like you who are not afraid to say how they believe. At all times follow your heart.
Hello! I just want to give an enormous thumbs up for the nice information you’ve here on this post. I shall be coming again to your weblog for extra soon.
I have to convey my gratitude for your kindness for those who absolutely need help on this important area of interest. Your personal dedication to getting the solution up and down was rather valuable and has really made others much like me to arrive at their objectives. Your personal useful suggestions signifies a lot a person like me and especially to my mates. Many thanks; from everyone of us.
I¦ll immediately grasp your rss as I can’t in finding your e-mail subscription link or e-newsletter service. Do you have any? Kindly let me know so that I may just subscribe. Thanks.
I¦ve learn several just right stuff here. Definitely worth bookmarking for revisiting. I wonder how much effort you put to create this kind of magnificent informative website.
I’ve been absent for some time, but now I remember why I used to love this web site. Thanks , I’ll try and check back more often. How frequently you update your site?
Hello, you used to write wonderful, but the last several posts have been kinda boring?K I miss your great writings. Past few posts are just a little bit out of track! come on!
I like what you guys are up also. Such intelligent work and reporting! Carry on the excellent works guys I have incorporated you guys to my blogroll. I think it’ll improve the value of my web site 🙂
I?¦ve been exploring for a little bit for any high-quality articles or weblog posts on this kind of space . Exploring in Yahoo I eventually stumbled upon this site. Reading this info So i am happy to convey that I have an incredibly good uncanny feeling I discovered just what I needed. I so much undoubtedly will make sure to don?¦t fail to remember this web site and give it a glance on a constant basis.
I really like your writing style, wonderful information, thanks for putting up : D.
Thankyou for this howling post, I am glad I detected this internet site on yahoo.
Valuable info. Lucky me I found your site by accident, and I am shocked why this accident didn’t happened earlier! I bookmarked it.
Thanks for sharing excellent informations. Your site is very cool. I am impressed by the details that you have on this website. It reveals how nicely you understand this subject. Bookmarked this web page, will come back for more articles. You, my friend, ROCK! I found simply the info I already searched everywhere and just couldn’t come across. What a perfect site.
The essence of existence is like smoke, always shifting, always changing, yet somehow always present. It moves with the wind of thought, expanding and contracting, never quite settling but never truly disappearing. Perhaps to exist is simply to flow, to let oneself be carried by the great current of being without resistance.
Time is often called the soul of motion, the great measure of change, but what if it is merely an illusion? What if we are not moving forward but simply circling the same points, like the smoke from a burning fire, curling back onto itself, repeating patterns we fail to recognize? Maybe the past and future are just two sides of the same moment, and all we ever have is now.
If everything in this universe has a cause, then surely the cause of my hunger must be the divine order of things aligning to guide me toward the ultimate pleasure of a well-timed meal. Could it be that desire itself is a cosmic signal, a way for nature to communicate with us, pushing us toward the fulfillment of our potential? Perhaps the true philosopher is not the one who ignores his desires, but the one who understands their deeper meaning.
The potential within all things is a mystery that fascinates me endlessly. A tiny seed already contains within it the entire blueprint of a towering tree, waiting for the right moment to emerge. Does the seed know what it will become? Do we? Or are we all simply waiting for the right conditions to awaken into what we have always been destined to be?
This is the correct blog for anyone who needs to search out out about this topic. You realize a lot its almost laborious to argue with you (not that I really would need…HaHa). You positively put a brand new spin on a topic thats been written about for years. Great stuff, just nice!
Hey there, I think your blog might be having browser compatibility issues. When I look at your blog site in Ie, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!
Wow! Thank you! I constantly needed to write on my site something like that. Can I include a part of your post to my site?
hi!,I love your writing very a lot! share we keep up a correspondence extra about your article on AOL? I need a specialist on this house to unravel my problem. May be that’s you! Looking forward to see you.
LIPOZEM
LIPOZEM
My brother recommended I might like this website. He used to be totally right. This put up truly made my day. You can not imagine simply how much time I had spent for this information! Thanks!
Wow! Thank you! I constantly needed to write on my blog something like that. Can I include a part of your post to my website?
I relish, result in I discovered exactly what I used to be looking for. You’ve ended my 4 day lengthy hunt! God Bless you man. Have a nice day. Bye
Lift detox
ARIALIEF REVIEWS
I got what you intend, thankyou for posting.Woh I am thankful to find this website through google.
I truly enjoy examining on this site, it has fantastic posts.
Purdentix
PRIME BIOME REVIEW
Purdentix review
A formidable share, I just given this onto a colleague who was doing a little bit analysis on this. And he in fact purchased me breakfast as a result of I found it for him.. smile. So let me reword that: Thnx for the deal with! However yeah Thnkx for spending the time to discuss this, I really feel strongly about it and love studying extra on this topic. If potential, as you grow to be expertise, would you thoughts updating your blog with extra details? It is extremely helpful for me. Huge thumb up for this blog submit!
Can I just say what a reduction to search out someone who really is aware of what theyre speaking about on the internet. You definitely know how you can carry an issue to mild and make it important. Extra people need to read this and perceive this facet of the story. I cant imagine youre no more common since you undoubtedly have the gift.
TONIC GREENS