{"id":139122,"date":"2026-03-27T08:33:10","date_gmt":"2026-03-27T08:33:10","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/139122\/"},"modified":"2026-03-27T08:33:10","modified_gmt":"2026-03-27T08:33:10","slug":"soktelejes-euribor-didina-busto-paskolu-imokas-kaip-tai-paveiks-namu-ukius-ir-busto-rinka-2","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/139122\/","title":{"rendered":"\u0160oktel\u0117j\u0119s EURIBOR didina b\u016bsto paskol\u0173 \u012fmokas. Kaip tai paveiks nam\u0173 \u016bkius ir b\u016bsto rink\u0105?"},"content":{"rendered":"

Vidutinis skaitymo laikas:<\/p>\n

\"B\u016bstas,
\n Dainiaus Labu\u010dio \/ ELTA nuotrauka<\/p>\n

Prasid\u0117jus karui Irane ir \u0117mus augti l\u016bkes\u010diams, kad Europos Centrinis Bankas (ECB) netrukus ims didinti bazines pal\u016bkan\u0173 normas, \u0117m\u0117 did\u0117ti tarpbankin\u0117s EURIBOR pal\u016bkan\u0173 normos. D\u0117l to jau padid\u0117jo b\u016bsto paskolos \u012fmoka tiems paskol\u0173 tur\u0117tojams, kuriems nuo kovo perskai\u010diuotos pal\u016bkan\u0173 normos.<\/p>\n

Net ir nedidelis pal\u016bkan\u0173 augimas didina finansin\u0119 na\u0161t\u0105 nam\u0173 \u016bkiams ir gali tur\u0117ti \u012ftakos \u0161iuo metu \u012fkaitusios b\u016bsto rinkos trajektorijai.<\/p>\n

Vidutin\u0117 6 m\u0117n. EURIBOR pal\u016bkan\u0173 norma 2025 m. siek\u0117 2,2 proc., o \u0161iuo metu jau yra 2,5 proc., arba 0,3 proc. punkto didesn\u0117. SEB banko duomenimis, vidutin\u0117 b\u016bsto paskolos suma 2025 m. siek\u0117 apie 111 t\u016bkst. eur\u0173. Remiantis skai\u010diavimais, jei 111 t\u016bkst. eur\u0173 paskolos lik\u0119s laikotarpis yra 25 metai, pal\u016bkanoms padid\u0117jus nuo 4,0 proc. iki 4,3 proc., m\u0117nesin\u0117 \u012fmoka i\u0161augt\u0173 apie 19 eur\u0173. Jeigu paskol\u0173 pal\u016bkan\u0173 norma padid\u0117t\u0173 iki 5,0 proc., tai reik\u0161t\u0173 64 eurais didesnes i\u0161laidas per m\u0117nes\u012f.<\/p>\n

Pasak SEB banko ekonomisto TADO POVILAUSKO, EURIBOR poky\u010dius lemia finans\u0173 rink\u0173 dalyvi\u0173 l\u016bkes\u010diai d\u0117l ECB bazini\u0173 pal\u016bkan\u0173 norm\u0173 sprendim\u0173. \u0160iandien rinkos vertina, kad iki met\u0173 pabaigos ECB dabartin\u0119 2 proc. bazin\u0119 pal\u016bkan\u0173 norm\u0105 gali didinti tris kartus iki 2,75 proc. Kita vertus, pasikeitus karo Irane eigai ir suma\u017e\u0117jus energetikos produkt\u0173 kainoms, pal\u016bkan\u0173 l\u016bkes\u010diai gali v\u0117l greitai pasikeisti. EURIBOR pal\u016bkan\u0173 normos nei\u0161vengiamai reaguos \u012f karo Irane \u012fvykius ir energetikos kain\u0173 poky\u010dius.<\/p>\n

\"SEB SEB banko ekonomistas Tadas Povilauskas. Asmeninio archyvo nuotrauka <\/p>\n

Labiausiai nuo karo Irane prad\u017eios \u016bgtel\u0117jo ilgesn\u0117s trukm\u0117s EURIBOR pal\u016bkan\u0173 normos. 12 m\u0117n. EURIBOR pal\u016bkan\u0173 norma nuo vasario 27 d. padid\u0117jo net 0,6 proc. punkto, o 6 m\u0117n. EURIBOR augo 0,4 proc. punkto, 3 m\u0117n. EURIBOR \u2013 tik 0,12 proc. Kuo ilgesn\u0117 EURIBOR pal\u016bkan\u0173 norm\u0173 trukm\u0117, tuo labau ji \u012ftraukia l\u016bkes\u010dius d\u0117l tolesni\u0173 ECB sprendim\u0173.<\/p>\n

Galima nepritarti tokiems finans\u0173 rinkos dalyvi\u0173 l\u016bkes\u010diams d\u0117l ECB pal\u016bkan\u0173 norm\u0173 ir piktintis tuo, kad tokie sprendimai nespr\u0119st\u0173 dabartin\u0117s infliacijos gr\u0117sm\u0117s problemos, ta\u010diau rinkos l\u016bkes\u010diai nei\u0161vengiamai daro \u012ftak\u0105 faktin\u0117ms pal\u016bkan\u0173 i\u0161laidoms.<\/p>\n

\u012emokos auga, bet poveikio dar nepajusime<\/p>\n

Pasak ekonomisto, augan\u010dios \u012fmokos jau yra juntamos, ta\u010diau kol kas daugumai gyventoj\u0173 jos netur\u0117t\u0173 sukelti \u0161ok\u0105 prisiminus, kad dar prie\u0161 dvejus metus EURIBOR pal\u016bkan\u0173 normos siek\u0117 4 proc. \u201eNors \u012fmokos did\u0117ja, dabartini\u0173 prognozi\u0173 kontekste poveikis gyventoj\u0173 finansams i\u0161lieka labiau laipsni\u0161kas nei staigus. Ta\u010diau nerimas d\u0117l \u016bgtel\u0117sian\u010dios infliacijos, prastesni\u0173 galimybi\u0173 sutaupyti pradin\u012f \u012fna\u0161\u0105 ir ne\u017einomyb\u0117s, kiek gali augti pal\u016bkan\u0173 normos, tur\u0117t\u0173 prad\u0117ti v\u0117sinti \u012fkaitusi\u0105 b\u016bsto rink\u0105\u201c, \u2013 pa\u017eymi T. Povilauskas.<\/p>\n

Ekspertas rekomenduoja gyventojams aktyviai steb\u0117ti savo finansus. \u201eDid\u0117jant \u012fmokoms verta per\u017ei\u016br\u0117ti savo biud\u017eet\u0105 \u012fvertinant turim\u0105 finansin\u012f rezerv\u0105. Besibaiminantiems dar didesni\u0173 pal\u016bkan\u0173 norm\u0173, verta apsvarstyti pal\u016bkan\u0173 rizikos valdymo galimybes\u201c, \u2013 teigia jis.<\/p>\n

Net ir keli\u0173 de\u0161imt\u0173j\u0173 procentinio punkto pal\u016bkan\u0173 norm\u0173 pokytis gali lemti \u0161imtus eur\u0173 papildom\u0173 i\u0161laid\u0173 per metus, tod\u0117l atsparumas pal\u016bkan\u0173 norm\u0173 pasikeitimams tur\u0117t\u0173 b\u016bti vienas svarbiausi\u0173 veiksni\u0173 planuojant asmeninius finansus.<\/p>\n

Atsid\u0117kokite u\u017e m\u016bs\u0173 dirbam\u0105 darb\u0105 Jums paremdami Bernardinai.lt! <\/p>\n

Perskait\u0117te \u0161\u012f straipsn\u012f iki pabaigos? Sveikiname! Nes gal\u0117jote pasim\u0117gauti prabanga, kurios kiti \u0161altiniai internete Jums nenori suteikti ir reikalauja susimok\u0117ti perskai\u010dius vos pirm\u0105sias eilutes. Ta\u010diau parengti ir publikuoti tai, k\u0105 perskait\u0117te, kainuoja. Tod\u0117l kvie\u010diame Jus savanori\u0161kai prisid\u0117ti prie m\u016bs\u0173 darbo ir prie savo skaitymo malonumo. Skirkite kad ir nedidel\u0119 sum\u0105 \u0161iam darbui t\u0119sti paremdami. I\u0161 anksto d\u0117kojame! <\/p>\n","protected":false},"excerpt":{"rendered":"Vidutinis skaitymo laikas: Dainiaus Labu\u010dio \/ ELTA nuotrauka Prasid\u0117jus karui Irane ir \u0117mus augti l\u016bkes\u010diams, kad Europos Centrinis…\n","protected":false},"author":2,"featured_media":139123,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[16556,19881,81,6670,22001,24283,37,39,36,38,40,4767,46],"class_list":{"0":"post-139122","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-verslas","8":"tag-asmeniniai-finansai","9":"tag-bazines-palukanu-normos","10":"tag-business","11":"tag-busto-paskolos","12":"tag-busto-rinka","13":"tag-euribor-palukanu-normos","14":"tag-lietuva","15":"tag-lietuviu","16":"tag-lithuania","17":"tag-lithuanian","18":"tag-lt","19":"tag-tadas-povilauskas","20":"tag-verslas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lt\/116300218529382776","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/139122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/comments?post=139122"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/139122\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/139123"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=139122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=139122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=139122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}