{"id":22747,"date":"2025-10-22T07:35:08","date_gmt":"2025-10-22T07:35:08","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/22747\/"},"modified":"2025-10-22T07:35:08","modified_gmt":"2025-10-22T07:35:08","slug":"pradinis-inasas-kliutis-ar-barjeras-kuri-imanoma-perzengti","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/22747\/","title":{"rendered":"Pradinis \u012fna\u0161as \u2013 kli\u016btis ar barjeras, kur\u012f \u012fmanoma per\u017eengti?"},"content":{"rendered":"

Kod\u0117l pradinis \u012fna\u0161as yra reikalingas?<\/p>\n

B\u016bsto paskola<\/a> be pradinio \u012fna\u0161o \u0161iuo metu n\u0117ra si\u016bloma n\u0117 vienos kredito \u012fstaigos, nes \u0161is reikalavimas laikomas svarbia atsakingo skolinimosi dalimi \u2013 jis padeda suma\u017einti finansin\u0119 rizik\u0105 tiek pirk\u0117jui, tiek skolintojui. <\/p>\n

Da\u017eniausiai pra\u0161oma 15\u201320 proc. b\u016bsto vert\u0117s dyd\u017eio \u012fna\u0161o. Tai rei\u0161kia, kad net ir perkant vidutin\u0117s klas\u0117s but\u0105 u\u017e, tarkime, 150 t\u016bkst. eur\u0173, pradinio \u012fna\u0161o reikia bent 22\u201330 t\u016bkst. eur\u0173. Toki\u0105 sum\u0105 da\u017enam tenka kaupti ne vienerius metus \u2013 ypa\u010d kai kartu dar reikia mok\u0117ti ir nuom\u0105. O kai tuo metu auga b\u016bsto ir nuomos kainos, did\u0117ja kasdien\u0117s i\u0161laidos bei infliacija, net ir nuosekliai taupant pavyti rinkos augim\u0105 tampa itin sunku. Vis d\u0117lto sukaupti reikiam\u0105 pradinio \u012fna\u0161o sum\u0105 da\u017enai u\u017etrunka ilgiau, nei planuota \u2013 tod\u0117l atsiranda sprendim\u0173, padedan\u010di\u0173 \u0161\u012f proces\u0105 padaryti paprastesn\u012f ir prieinamesn\u012f.<\/p>\n

Nauji keliai \u012f savo namus<\/p>\n

Pastar\u0173j\u0173 met\u0173 b\u016bsto rinkos poky\u010diai parod\u0117 vien\u0105 ai\u0161k\u0173 dalyk\u0105 \u2013 laukti tinkamiausio momento ne visada apsimoka. Tod\u0117l vis daugiau \u017emoni\u0173 ima dom\u0117tis naujais, pirk\u0117jui patogesniais b\u016bdais \u012fsigyti b\u016bst\u0105. Tokie sprendimai leid\u017eia i\u0161 karto apsigyventi pasirinktuose namuose ir tuo pa\u010diu metu palaipsniui kaupti pradin\u012f \u012fna\u0161\u0105. \u0160is modelis pla\u010diai paplit\u0119s JAV ir Jungtin\u0117je Karalyst\u0117je, o pastaruoju metu vis spar\u010diau populiar\u0117ja ir Lietuvoje. J\u012f renkasi vis daugiau \u0161eim\u0173, kurios nebenori gyventi laukime \u2013 kiekvienas m\u0117nesinis mok\u0117jimas tampa \u017eingsniu ar\u010diau savo nam\u0173.<\/p>\n

Ai\u0161kumas ir stabilumas – svarbiausia<\/p>\n

Vienas i\u0161 svarbiausi\u0173 \u0161io sprendimo privalum\u0173 \u2013 b\u016bsto kaina fiksuojama sutarties pasira\u0161ymo metu. Tai suteikia pirk\u0117jui ai\u0161kumo ir stabilumo: net jei b\u016bstai rinkoje toliau brangt\u0173, pasirinkto b\u016bsto kaina liks fiksuota. Tokiu b\u016bdu pirk\u0117jas pradeda auginti savo turt\u0105, dar prie\u0161 tapdamas oficialiu b\u016bsto savinininku. <\/p>\n

Lietuvoje tok\u012f keli\u0105 pasi\u016bl\u0117 \u201eNumai\u201c<\/a> \u2013 jau daugiau nei penkerius metus veikianti platforma, valdanti daugiau nei 35 mln. eur\u0173 vert\u0117s turto portfel\u012f. Per \u0161\u012f laik\u0105 \u201eNumai\u201c pad\u0117jo \u0161imtams \u0161eim\u0173 \u012fsikelti \u012f savo namus, i\u0161 kuri\u0173 didel\u0117 dalis jau tapo oficialiais savo nam\u0173 savininkais. Tai rodo, kad \u0161is modelis s\u0117kmingai prigijo Lietuvoje ir suteikia \u017emon\u0117ms galimyb\u0119 \u012fgyvendinti plan\u0105 tur\u0117ti savo namus.<\/p>\n

\u0160iuolaikin\u0117je b\u016bsto rinkoje svarbu ne tik turim\u0173 santaup\u0173 dydis, bet ir geb\u0117jimas apgalvotai planuoti savo \u017eingsnius \u2013 kada, kokiu b\u016bdu ir kokiomis s\u0105lygomis siekti nuosavo b\u016bsto. Tie, kurie laukia \u201egeresni\u0173 laik\u0173\u201c, da\u017enai pamir\u0161ta, kad rinka juda nuosekliai \u012f vir\u0161\u0173, o laukimas retai tampa prana\u0161umu. Tod\u0117l \u0161iandien svarbu ne laukti ideali\u0173 s\u0105lyg\u0173, o pasinaudoti galimyb\u0117mis, kurios leid\u017eia po truput\u012f priart\u0117ti prie savo nam\u0173.<\/p>\n","protected":false},"excerpt":{"rendered":"Kod\u0117l pradinis \u012fna\u0161as yra reikalingas? B\u016bsto paskola be pradinio \u012fna\u0161o \u0161iuo metu n\u0117ra si\u016bloma n\u0117 vienos kredito \u012fstaigos,…\n","protected":false},"author":2,"featured_media":22748,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[81,7160,37,39,36,38,40,2685,46],"class_list":{"0":"post-22747","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-verslas","8":"tag-business","9":"tag-busto-kreditas","10":"tag-lietuva","11":"tag-lietuviu","12":"tag-lithuania","13":"tag-lithuanian","14":"tag-lt","15":"tag-paskola","16":"tag-verslas"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/22747","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=22747"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/22747\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/22748"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=22747"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=22747"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=22747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}