{"id":4868,"date":"2021-11-10T18:14:02","date_gmt":"2021-11-10T17:14:02","guid":{"rendered":"http:\/\/skalickyobzor.sk\/cms\/?p=4868"},"modified":"2021-11-10T18:18:07","modified_gmt":"2021-11-10T17:18:07","slug":"obcianska-nauka-06-uver-v-podmienkach-mesta","status":"publish","type":"post","link":"http:\/\/skalickyobzor.sk\/cms\/obcianska-nauka-06-uver-v-podmienkach-mesta\/","title":{"rendered":"Ob\u010dianska n\u00e1uka 06 &#8211; \u00daver v podmienkach mesta"},"content":{"rendered":"<p><em><strong>Uver je v\u00e1\u017ene rozhodnutie pre ka\u017ed\u00e9ho z n\u00e1s a, samozrejme, rovnako aj pre mesto. Rovnako ako sa mus\u00edme k \u00faveru zodpovedne postavi\u0165 v dom\u00e1cnosti a p\u00fdta\u0165 sa: Ko\u013eko si po\u017ei\u010diavame? Na \u010do si po\u017ei\u010diavame? Ak\u00e9 vysok\u00e9 s\u00fa \u00faroky? Ak\u00e9 vysok\u00e9 s\u00fa mesa\u010dn\u00e9 spl\u00e1tky? &#8230;, tak isto zodpovedne sa k \u00faveru pre mesto musia postavi\u0165 zastupitelia. Uvedomujeme si, \u017ee \u00faver n\u00e1s z\u00e1\u0165a\u017e\u00ed aj v bud\u00facnosti a predstavuje ur\u010dit\u00e9 riziko, preto\u017ee v bud\u00facnosti sa m\u00f4\u017ee sta\u0165 hoci\u010do. A to ne\u010dakan\u00e9 a nepredv\u00eddate\u013en\u00e9 \u201ehoci\u010do\u201c n\u00e1s prekvapuje u\u017e dva roky. Z druhej strany, nerie\u0161enie situ\u00e1cie m\u00f4\u017ee prinies\u0165 e\u0161te v\u00e4\u010d\u0161ie finan\u010dn\u00e9 straty. To, \u010do sta\u010d\u00ed teraz v\u010das opravi\u0165 za men\u0161iu sumu, m\u00f4\u017ee prer\u00e1s\u0165 do havarijn\u00e9ho stavu so skuto\u010dne ve\u013ek\u00fdmi n\u00e1kladmi. Riziko prijatia \u00faveru v samospr\u00e1ve obmedzuje z\u00e1kon a o tom dnes budeme hovori\u0165.<\/strong><\/em><\/p>\n<p>Pravidl\u00e1 prij\u00edmania \u00faverov mestami a\u00a0obcami (to je samospr\u00e1vou) upravuje <strong>z\u00e1kon \u010d. 583\/2004 Z.\u00a0z. o\u00a0rozpo\u010dtov\u00fdch pravidl\u00e1ch \u00fazemnej samospr\u00e1vy<\/strong> (\u010falej <strong>RP\u00daS<\/strong>).<br \/>\n<strong>RP\u00daS<\/strong> okrem in\u00e9ho hovor\u00ed (\u00a7 2, p\u00edsm. a), \u017ee <strong>n\u00e1vratn\u00fdmi zdrojmi financovania<\/strong> (<strong>NFZ<\/strong>) mesta m\u00f4\u017eu by\u0165 financie z\u00edskan\u00e9 napr\u00edklad z\u00a0t\u00fdchto zdrojov:<\/p>\n<ul>\n<li><strong>\u00faver<\/strong> je poskytovan\u00fd od komer\u010dn\u00fdch in\u0161tit\u00faci\u00ed, napr\u00edklad z banky; verite\u013e sa pri \u0148om zav\u00e4zuje poskytn\u00fa\u0165 pe\u0148a\u017en\u00e9 prostriedky a dl\u017en\u00edk sa zav\u00e4zuje tieto vr\u00e1ti\u0165 a zaplati\u0165 \u00faroky<\/li>\n<li><strong>p\u00f4\u017ei\u010dka<\/strong> \u2013 pod\u013ea Ob\u010dianskeho z\u00e1konn\u00edka pri nej poskytne verite\u013e dl\u017en\u00edkovi ur\u010den\u00e9 veci, najm\u00e4 peniaze, a dl\u017en\u00edk sa zav\u00e4zuje vr\u00e1ti\u0165 veci rovnak\u00e9ho druhu; pri p\u00f4\u017ei\u010dke je mo\u017en\u00e9 dohodn\u00fa\u0165 si \u00farok, pri \u00favere je \u00farok povinn\u00fd<\/li>\n<li><strong>dod\u00e1vate\u013esk\u00e9 \u00favery<\/strong>, \u010do je napr\u00edklad fakt\u00fara s odlo\u017eenou splatnos\u0165ou<\/li>\n<li><strong>n\u00e1vratn\u00e9 finan\u010dn\u00e9 v\u00fdpomoci poskytovan\u00e9 \u0161t\u00e1tom<\/strong>, napr\u00edklad v pr\u00edpade v\u00fdpadku dan\u00ed<\/li>\n<li>zmenky a komun\u00e1lne oblig\u00e1cie vydan\u00e9 mestom<\/li>\n<li>in\u00e9<\/li>\n<\/ul>\n<p>Teda, RP\u00daS nedefinuj\u00fa jednotliv\u00e9 pojmy (\u00faver, p\u00f4\u017ei\u010dka, &#8230;), upravuj\u00fa v\u0161ak <strong>podmienky ich prij\u00edmania a\u00a0ich pou\u017eitia (\u00a7 17, ods. 2 a\u017e 7)<\/strong>. Dnes sa budeme venova\u0165 len zdroju financi\u00ed z\u00a0<strong>\u00daVERU<\/strong>.<\/p>\n<h4>PODMIENKY PRIJATIA \u00daVERU<\/h4>\n<p>Podmienky prijatia NFZ (teda aj \u00faveru) s\u00fa upraven\u00e9 v\u00a0<strong>RP\u00daS \u00a7 17, ods. 6.<\/strong> Musia by\u0165 splnen\u00e9 <strong>s\u00fa\u010dasne dve podmienky<\/strong>:<br \/>\n<strong>a\/<\/strong> Celkov\u00e1 suma dlhu mesta neprekro\u010d\u00ed 60 % skuto\u010dn\u00fdch be\u017en\u00fdch pr\u00edjmov predch\u00e1dzaj\u00faceho rozpo\u010dtov\u00e9ho roka.<br \/>\n<em><strong>Pod\u013ea inform\u00e1cie Ms\u00da Skalica:<\/strong><\/em><br \/>\n<em>Celkova dlhova slu\u017eba v zmysle z\u00e1kona \u010d. 583\/2004 Z. z. o rozpo\u010dtov\u00fdch pravidl\u00e1ch \u00fazemnej samospr\u00e1vy je k 31\/12\/2021 predpokladan\u00e1 suma 746 481,12 eur.<br \/>\nPredpokladany dlh mesta vr\u00e1tane ostatn\u00fdch z\u00e1v\u00e4zkov k 31\/12\/2021 je vo v\u00fd\u0161ke 898 455,80 eur (bez \u0160FRB).<br \/>\nSkuto\u010dn\u00e9 be\u017en\u00e9 pr\u00edjmy za rok 2020 s\u00fa 15\u00a0846 786,83 eur.<\/em><br \/>\n<strong>b\/<\/strong> Suma spl\u00e1tok NZF neprekro\u010d\u00ed v\u00a0pr\u00edslu\u0161nom rozpo\u010dtovom roku 25 % skuto\u010dn\u00fdch be\u017en\u00fdch pr\u00edjmov predch\u00e1dzaj\u00faceho rozpo\u010dtov\u00e9ho roka.<br \/>\n<em><strong>Pod\u013ea inform\u00e1cie Ms\u00da Skalica:<\/strong><\/em><br \/>\n<em>Celkov\u00e1 suma spl\u00e1tok NFZ v roku 2021 je 898 455,80 eur. <\/em><br \/>\n<em>Skuto\u010dn\u00e9 be\u017en\u00e9 pr\u00edjmy za rok 2020 s\u00fa 15\u00a0846 786,83 eur.<\/em><\/p>\n<p>To s\u00fa v\u0161ak hrani\u010dn\u00e9 hodnoty dan\u00e9 z\u00e1konom. Mesto a\u00a0zastupite\u013estvo by mali zv\u00e1\u017ei\u0165 a\u00a0pos\u00fadi\u0165 v\u0161etky faktory, ktor\u00e9 m\u00f4\u017eu ovplyvni\u0165 spl\u00e1canie bud\u00faceho \u00faveru, to je napr\u00edklad sp\u00f4sob ru\u010denia, \u00farokov\u00e9 sadzby poskytovan\u00e9ho \u00faveru, sp\u00f4sob a\u00a0schopnos\u0165 spl\u00e1cania, at\u010f.<br \/>\n<em><strong>Pod\u013ea inform\u00e1cie Ms\u00da Skalica:<\/strong><\/em><br \/>\n<em>Celkov\u00e1 dl\u017en\u00e1 suma za prijat\u00fd \u00faver 730 000 eur je 731 450 eur.<\/em><\/p>\n<h4>PODMIENKY POU\u017dITIA \u00daVERU<\/h4>\n<p>Podmienky pou\u017eitia NFZ (teda, aj \u00faveru) s\u00fa upraven\u00e9 v\u00a0<strong>RP\u00daS, \u00a7 17, ods. 2<\/strong>:<br \/>\n<strong>a\/<\/strong> Mo\u017enos\u0165 pou\u017eitia \u00faverov\u00fdch zdrojov len na \u00fahradu kapit\u00e1lov\u00fdch v\u00fddavkov (napr\u00edklad na opravy budov, ciest a\u00a0podobne).<br \/>\n<strong>b\/<\/strong> V\u00fdnimo\u010dne, za jasne a pr\u00edsne stanoven\u00fdch podmienok, na vyrovnanie deficitu medzi pr\u00edjmami a v\u00fddavkami (to je aj na be\u017en\u00e9 v\u00fddavky za predpokladu, \u017ee tieto bud\u00fa vr\u00e1ten\u00e9 do konca rozpo\u010dtov\u00e9ho roku).<\/p>\n<h4>KONTROLA \u00daVERU<\/h4>\n<p>Prijatie NFZ (teda aj \u00faveru) navrhuje prim\u00e1tor mesta a\u00a0jeho prijatie mus\u00ed schv\u00e1li\u0165 zastupite\u013estvo. Pod\u013ea <strong>RP\u00daS, \u00a7 17, ods. 14<\/strong> dodr\u017eanie podmienok na prijatie NFZ preveruje (to je m\u00e1 povinnos\u0165) hlavn\u00fd kontrol\u00f3r. Poru\u0161enie podmienok prijatia NZF mesta je hlavn\u00fd kontrol\u00f3r povinn\u00fd bezodkladne ozn\u00e1mi\u0165 ministerstvu financi\u00ed. V\u00a0zmysle z\u00e1kona o\u00a0obecnom zriaden\u00ed hlavn\u00fd kontrol\u00f3r tie\u017e vykon\u00e1va, okrem in\u00e9ho, kontrolu pr\u00edjmov a\u00a0v\u00fddavkov a\u00a0finan\u010dn\u00fdch oper\u00e1ci\u00ed mesta, tak\u017ee aj stav a\u00a0spl\u00e1canie \u00faveru.<\/p>\n<h4>AKTU\u00c1LNE INFORM\u00c1CIE<\/h4>\n<p>Pre t\u00fdch \u010ditate\u013eov, ktor\u00fdch zauj\u00edmaj\u00fa zmeny legislat\u00edvy sp\u00f4soben\u00e9 covidovou situ\u00e1ciou uvedieme aj najnov\u0161iu \u00fapravu. V\u00a0zmysle z\u00e1kona <strong>\u010d. 67\/2020 Z. z., \u00a7 36 o\u00a0mimoriadnych opatreniach vo finan\u010dnej oblasti v\u00a0s\u00favislosti so \u0161\u00edren\u00edm choroby COVID-19<\/strong>, po\u010das obdobia pand\u00e9mie a\u017e do 31. decembra 2021 mesto m\u00f4\u017ee pou\u017ei\u0165 na \u00fahradu be\u017en\u00fdch v\u00fddavkov prostriedky rezervn\u00e9ho fondu, kapit\u00e1lov\u00e9 pr\u00edjmy a\u00a0NZF.<\/p>\n<p><em>Redakcia<\/em><\/p>\n<hr \/>\n<p><strong>Uznesenie a\u00a0hlasovanie Mestsk\u00e9ho zastupite\u013estva mesta Skalica zo d\u0148a 23. 8. 2021 o\u00a015,00 hod.:<\/strong><\/p>\n<p>Mestsk\u00e9 zastupite\u013estvo mesta Skalica schva\u013euje prijatie \u00faveru na financovanie investi\u010dn\u00fdch akci\u00ed a be\u017en\u00fdch v\u00fddavkov od SLSP, a. s., do v\u00fd\u0161ky 730 000 eur s dobou spl\u00e1cania p\u00e4\u0165 rokov, a to v \u010dlenen\u00ed 600 000 eur na kapit\u00e1lov\u00e9 v\u00fddavky a 130 000 eur na be\u017en\u00e9 v\u00fddavky.<\/p>\n<p><em>Hlasovanie poslancov n\u00e1jdete v \u010dl\u00e1nku <a href=\"https:\/\/skalickyobzor.sk\/cms\/vazena-pani-primatorka-vazeni-poslanci-31\">V\u00e1\u017een\u00e1 pani prim\u00e1torka, v\u00e1\u017een\u00ed poslanci!<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Uver je v\u00e1\u017ene rozhodnutie pre ka\u017ed\u00e9ho z n\u00e1s a, samozrejme, rovnako aj pre mesto. Rovnako ako sa mus\u00edme k \u00faveru zodpovedne postavi\u0165 v dom\u00e1cnosti a p\u00fdta\u0165 sa: Ko\u013eko si po\u017ei\u010diavame? Na \u010do si po\u017ei\u010diavame? Ak\u00e9 <a class=\"mh-excerpt-more\" href=\"http:\/\/skalickyobzor.sk\/cms\/obcianska-nauka-06-uver-v-podmienkach-mesta\/\" title=\"Ob\u010dianska n\u00e1uka 06 &#8211; \u00daver v podmienkach mesta\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":17,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":{"0":"post-4868","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-obcianska-nauka"},"_links":{"self":[{"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/posts\/4868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/comments?post=4868"}],"version-history":[{"count":4,"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/posts\/4868\/revisions"}],"predecessor-version":[{"id":4872,"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/posts\/4868\/revisions\/4872"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/media\/17"}],"wp:attachment":[{"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/media?parent=4868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/categories?post=4868"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/skalickyobzor.sk\/cms\/wp-json\/wp\/v2\/tags?post=4868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}