{"id":186004,"date":"2026-05-24T11:03:11","date_gmt":"2026-05-24T11:03:11","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/186004\/"},"modified":"2026-05-24T11:03:11","modified_gmt":"2026-05-24T11:03:11","slug":"euribor-mazejimas-2026-m-kiek-kistu-paskolos-imoka","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/186004\/","title":{"rendered":"Euribor ma\u017e\u0117jimas 2026 m.: kiek kist\u0173 paskolos \u012fmoka"},"content":{"rendered":"<p>Reklama<\/p>\n<p><a href=\"https:\/\/upesezerai.lt\/\" target=\"_blank\" rel=\"noopener sponsored nofollow\" class=\"block w-full text-center hover:opacity-90 transition-opacity\"><img src=\"https:\/\/www.europesays.com\/lt\/wp-content\/uploads\/2026\/05\/1779620589_499_riverways-lt.webp\" class=\"mx-auto rounded-lg shadow-sm\" alt=\"Banner\" loading=\"lazy\" decoding=\"async\" fetchpriority=\"low\" width=\"300\" height=\"250\"\/><\/a><\/p>\n<p>Jei 6 m\u0117nesi\u0173 Euribor suma\u017e\u0117t\u0173 0,25 procentinio punkto, 100 000 eur\u0173 b\u016bsto paskolos m\u0117nesio \u012fmoka pagal tipin\u012f anuiteto skai\u010diavim\u0105 gal\u0117t\u0173 suma\u017e\u0117ti ma\u017edaug 13\u201316 eur\u0173. Tiksli suma priklausyt\u0173 nuo likusio paskolos termino, banko mar\u017eos, pal\u016bkan\u0173 perskai\u010diavimo datos ir to, ar paskola gr\u0105\u017einama anuiteto, ar linijiniu b\u016bdu.<\/p>\n<p>Lietuvos bankas 2026 m. gegu\u017e\u0117s 20 d. atnaujintoje ekonomikos ap\u017evalgoje nurodo, kad pal\u016bkan\u0173 norm\u0173 ma\u017e\u0117jimas tur\u0117t\u0173 b\u016bti nuoseklus, ta\u010diau jis priklausys nuo euro zonos infliacijos rodikli\u0173. B\u016bsto paskol\u0173 tur\u0117tojams tai rei\u0161kia ne vienkartin\u012f staig\u0173 \u0161uol\u012f \u017eemyn, o laipsni\u0161k\u0105 \u012fmok\u0173 perskai\u010diavim\u0105 pagal sutartyje numatyt\u0105 grafik\u0105.<\/p>\n<p>\u017demiau pateiktas orientacinis skai\u010diavimas rodo tik pal\u016bkan\u0173 normos poky\u010dio poveik\u012f. Jame daroma prielaida, kad paskolos likutis yra 100 000 eur\u0173, banko mar\u017ea nekinta, o bendra metin\u0117 pal\u016bkan\u0173 norma suma\u017e\u0117ja 0,25 procentinio punkto.<\/p>\n<tr>\nSkai\u010diavimo prielaida<br \/>\nOrientacinis m\u0117nesio \u012fmokos pokytis<br \/>\n<\/tr>\n<tr>\n<td>20 met\u0173 lik\u0119s terminas<\/td>\n<td style=\"text-align: right;\">apie 13 eur\u0173 ma\u017eiau<\/td>\n<\/tr>\n<tr>\n<td>25 met\u0173 lik\u0119s terminas<\/td>\n<td style=\"text-align: right;\">apie 15 eur\u0173 ma\u017eiau<\/td>\n<\/tr>\n<tr>\n<td>30 met\u0173 lik\u0119s terminas<\/td>\n<td style=\"text-align: right;\">apie 16 eur\u0173 ma\u017eiau<\/td>\n<\/tr>\n<p>\u0160ie skai\u010diai n\u0117ra individualus banko pasi\u016blymas. Jie parodo krypt\u012f: kuo ilgesnis lik\u0119s paskolos terminas, tuo didesn\u0117 m\u0117nesio \u012fmokos dalis jautri pal\u016bkan\u0173 norm\u0173 poky\u010diams. Trumpesnio termino paskolose didesn\u0117 \u012fmokos dalis jau tenka gr\u0105\u017einamai pagrindinei sumai, tod\u0117l pal\u016bkan\u0173 ma\u017e\u0117jimo efektas paprastai b\u016bna kuklesnis.<\/p>\n<p>Euribor juda pagal rinkos l\u016bkes\u010dius d\u0117l Europos Centrinio Banko pal\u016bkan\u0173 politikos. Jeigu euro zonos infliacija toliau art\u0117s prie tikslo ir nebus nauj\u0173 kain\u0173 spaudimo bang\u0173, rinkos gali tik\u0117tis \u0161velnesni\u0173 finansavimo s\u0105lyg\u0173. Tokiu atveju 6 m\u0117nesi\u0173 Euribor ma\u017e\u0117jimas palaipsniui persiduot\u0173 ir kintam\u0173 pal\u016bkan\u0173 b\u016bsto paskoloms Lietuvoje.<\/p>\n<p><img   alt=\"Euribor ma\u017e\u0117jimas 2026 m.: kiek kist\u0173 paskolos \u012fmoka\" decoding=\"async\" fetchpriority=\"low\" height=\"512\" loading=\"lazy\" src=\"https:\/\/www.europesays.com\/lt\/wp-content\/uploads\/2026\/05\/euribor-mazejimas-2026-m-kiek-kistu-paskolos-imoka-inline-1-768x512.webp\" style=\"max-width: 100%; height: auto;\" width=\"768\"\/><\/p>\n<p>Ta\u010diau pal\u016bkan\u0173 ma\u017e\u0117jimas n\u0117ra garantuotas kalendoriaus \u012fvykis. Jei infliacija v\u0117l paspart\u0117t\u0173 arba darbo u\u017emokes\u010dio ir paslaug\u0173 kain\u0173 spaudimas euro zonoje i\u0161likt\u0173 stiprus, Europos Centrinis Bankas gal\u0117t\u0173 l\u0117\u010diau \u0161velninti pinig\u0173 politik\u0105. B\u016bsto paskol\u0173 tur\u0117tojams tai reik\u0161t\u0173 ma\u017eesn\u012f arba v\u0117liau pasirodant\u012f \u012fmok\u0173 suma\u017e\u0117jim\u0105.<\/p>\n<p>Lietuvos banko vie\u0161ai paskelbta prognoz\u0117 remiasi prielaida, kad pal\u016bkan\u0173 normos ma\u017e\u0117s nuosekliai ir priklausys nuo euro zonos infliacijos. Praktikoje tai svarbu d\u0117l vienos prie\u017easties: dauguma kintam\u0173 pal\u016bkan\u0173 b\u016bsto paskol\u0173 perskai\u010diuojamos ne kasdien, o kas 3, 6 ar 12 m\u0117nesi\u0173, priklausomai nuo sutarties.<\/p>\n<blockquote>\n<p>Lietuvos banko prognoz\u0117s kryptis ai\u0161ki: ma\u017eesn\u0117s pal\u016bkanos galimos, bet j\u0173 temp\u0105 lems infliacijos rodikliai ir Europos Centrinio Banko sprendimai.<\/p>\n<\/blockquote>\n<p>Tod\u0117l du kaimynai, turintys pana\u0161aus dyd\u017eio paskolas, pal\u016bkan\u0173 ma\u017e\u0117jim\u0105 gali pajusti skirtingu metu. Vienam \u012fmoka gali suma\u017e\u0117ti artimiausio Euribor perskai\u010diavimo dien\u0105, kitam \u2013 tik po keli\u0173 m\u0117nesi\u0173.<\/p>\n<p><img   alt=\"Euribor ma\u017e\u0117jimas 2026 m.: kiek kist\u0173 paskolos \u012fmoka\" decoding=\"async\" fetchpriority=\"low\" height=\"432\" loading=\"lazy\" src=\"https:\/\/www.europesays.com\/lt\/wp-content\/uploads\/2026\/05\/euribor-mazejimas-2026-m-kiek-kistu-paskolos-imoka-inline-2-768x432.webp\" style=\"max-width: 100%; height: auto;\" width=\"768\"\/><\/p>\n<p>B\u016bsto paskolos pal\u016bkanas paprastai sudaro dvi dalys: kintama bazin\u0117 pal\u016bkan\u0173 norma, da\u017eniausiai Euribor, ir komercinio banko mar\u017ea. Euribor gali ma\u017e\u0117ti pagal rinkos s\u0105lygas, ta\u010diau banko mar\u017ea da\u017eniausiai lieka tokia, kokia numatyta sutartyje.<\/p>\n<p>Nauj\u0173 paskol\u0173 rinkoje mar\u017eoms \u012ftakos turi bank\u0173 konkurencija, kliento pajamos, \u012fkei\u010diamo turto vert\u0117, pradinio \u012fna\u0161o dydis ir kredito istorija. Esamiems paskol\u0173 tur\u0117tojams mar\u017eos pokytis paprastai n\u0117ra automatinis. Jis da\u017eniausiai atsiranda tik refinansuojant paskol\u0105, derantis su banku arba kei\u010diant sutarties s\u0105lygas.<\/p>\n<p>Pirmiausia verta pa\u017ei\u016br\u0117ti, kuri\u0105 dien\u0105 sutartyje numatytas kitas pal\u016bkan\u0173 perskai\u010diavimas. B\u016btent ta data lems, kada ma\u017eesnis Euribor, jei jis bus ma\u017eesnis, atsispind\u0117s m\u0117nesio \u012fmokoje.<\/p>\n<p>Antra, verta \u012fsivertinti ne tik b\u016bsim\u0105 \u012fmokos suma\u017e\u0117jim\u0105, bet ir rezerv\u0105. 13\u201316 eur\u0173 ma\u017eesn\u0117 \u012fmoka u\u017e 100 000 eur\u0173 paskolos likut\u012f gali b\u016bti juntama, ta\u010diau ji nepakei\u010dia poreikio tur\u0117ti keli\u0173 m\u0117nesi\u0173 finansin\u0119 atsarg\u0105.<\/p>\n<p>Tre\u010dia, turintiems didesn\u0119 paskol\u0105 skai\u010dius galima dauginti proporcingai. Jei likutis siekia 200 000 eur\u0173, 0,25 procentinio punkto pal\u016bkan\u0173 suma\u017e\u0117jimo poveikis pagal tas pa\u010dias prielaidas b\u016bt\u0173 ma\u017edaug dvigubas. Vis d\u0117lto individual\u0173 skai\u010di\u0173 tiksliausiai parodo banko pateikiamas mok\u0117jimo grafikas.<\/p>\n<p style=\"text-align: right; font-style: italic; font-size: 0.9em;\">\u0160altinis: <a href=\"https:\/\/www.lb.lt\/lt\/ekonomikos-analize-ir-prognozes\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Lietuvos bankas<\/a><\/p>\n<p>                                Kontekstas ir veiksmai<br \/>\n                                Apie straipsn\u012f<\/p>\n<p>                                Prane\u0161ti<br \/>\n                                Dalintis<\/p>\n<p>                    \u0160altinis ir patikra<br \/>\n                    \u0160altini\u0173 patikra<\/p>\n<p>Straipsnyje remiamasi Lietuvos banko 2026 m. gegu\u017e\u0117s 20 d. ekonomikos ap\u017evalga ir Europos Centrinio Banko pal\u016bkan\u0173 informacija.<\/p>\n<p>Patikros<\/p>\n<ul class=\"mt-1 grid gap-1 text-xs font-bold text-gray-700\">\n<li>Patikrinta Lietuvos banko ekonomikos analiz\u0117s ir prognozi\u0173 skiltis.<\/li>\n<li>Atskirtas Euribor poveikis nuo komercinio banko mar\u017eos.<\/li>\n<li>\u012emokos pokytis pateiktas kaip orientacinis skai\u010diavimas, o ne individualus pasi\u016blymas.<\/li>\n<\/ul>\n<dl class=\"grid shrink-0 gap-1 text-xs font-black uppercase tracking-wider text-gray-500\">\n<p><dt>\u0160altinis<\/dt>\n<dd class=\"text-gray-900\">Lietuvos bankas<\/dd>\n<\/p>\n<p><dt>Apr\u0117ptis<\/dt>\n<dd class=\"text-gray-900\">Lietuva<\/dd>\n<\/p>\n<p><dt>Atnaujinta<\/dt>\n<dd class=\"text-gray-900\">2026-05-24 13:44<\/dd>\n<\/p>\n<\/dl>\n<p>        Prane\u0161ti<\/p>\n<p>                        Straipsnio kontekstasAsmenys ir temos#6<\/p>\n","protected":false},"excerpt":{"rendered":"Reklama Jei 6 m\u0117nesi\u0173 Euribor suma\u017e\u0117t\u0173 0,25 procentinio punkto, 100 000 eur\u0173 b\u016bsto paskolos m\u0117nesio \u012fmoka pagal tipin\u012f&hellip;\n","protected":false},"author":2,"featured_media":186005,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[17],"tags":[29200,81,6670,29201,6820,37,39,764,36,38,40,29202,46],"class_list":["post-186004","post","type-post","status-publish","format-standard","has-post-thumbnail","category-verslas","tag-banku-marzos","tag-business","tag-busto-paskolos","tag-euribor-prognozes","tag-europos-centrinis-bankas","tag-lietuva","tag-lietuviu","tag-lietuvos-bankas","tag-lithuania","tag-lithuanian","tag-lt","tag-paskolu-imokos","tag-verslas"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lt\/116629222769763726","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/186004","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=186004"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/186004\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/186005"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=186004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=186004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=186004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}