{"id":45115,"date":"2025-11-21T18:59:17","date_gmt":"2025-11-21T18:59:17","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/45115\/"},"modified":"2025-11-21T18:59:17","modified_gmt":"2025-11-21T18:59:17","slug":"kaip-teisingai-palyginti-busto-paskolu-pasiulymus-2","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/45115\/","title":{"rendered":"kaip teisingai palyginti b\u016bsto paskol\u0173 pasi\u016blymus"},"content":{"rendered":"Planuojant \u012fsigyti b\u016bst\u0105 su paskola, svarbu \u012fvertinti ne tik pal\u016bkan\u0173 dyd\u012f, bet ir vis\u0105 finansin\u012f paveiksl\u0105. Bankai, prie\u0161 suteikdami paskol\u0105, analizuoja kliento pajam\u0173 tvarum\u0105, mok\u0117jim\u0173 istorij\u0105 bei \u012fsipareigojim\u0173 ir pajam\u0173 santyk\u012f. Pasak \u201eLuminor\u201d banko finansavimo srities vadov\u0117s Lauros \u017dukov\u0117s, atsakingas vertinimas padeda u\u017etikrinti, kad \u012fsipareigojimai netapt\u0173 per didele na\u0161ta.<\/p>\n
Svarbiausi kriterijai<\/p>\n
\u201eVertindami paskolos parai\u0161kas, pirmiausia \u017ei\u016brime \u012f tai, ar klientas turi stabilias, tvarias ir ilgalaikes pajamas \u2013 darbo u\u017emokest\u012f, pajamas i\u0161 individualios veiklos, pensijas ar kitus nuolatinius pajam\u0173 \u0161altinius\u201d, \u2013 sako L. \u017dukov\u0117.<\/p>\n
Anot \u201eLuminor\u201d banko ekspert\u0117s, svarbi ir \u0161vari mok\u0117jim\u0173 istorija \u2013 be pradelst\u0173 mok\u0117jim\u0173, \u012fsiskolinim\u0173 ar skol\u0173, kurias administruoja antstoliai. Jei neseniai tur\u0117jot pradelst\u0173 mok\u0117jim\u0173, deja, tai gali tapti prie\u017eastimi nesuteikti paskolos.<\/p>\n
Dar vienas svarbus kriterijus \u2013 \u012fsipareigojim\u0173 ir pajam\u0173 santykis, kuris negali vir\u0161yti 40 procent\u0173. Tai rei\u0161kia, kad visos paskol\u0173 \u012fmokos per m\u0117nes\u012f negali vir\u0161yti 40 procent\u0173 m\u0117nesio pajam\u0173. D\u0117l \u0161ios prie\u017easties bankas gali pasi\u016blyti ma\u017eesn\u0119 paskolos sum\u0105, nei buvo nurodyta parai\u0161koje.<\/p>\n
\u201e\u0160i taisykl\u0117 padeda u\u017etikrinti, kad paskolos gr\u0105\u017einimas klientui i\u0161likt\u0173 valdomas net pasikeitus ekonomin\u0117ms s\u0105lygoms\u201d, \u2013 pa\u017eymi banko atstov\u0117.<\/p>\n
\u012evertinti ir kitus aspektus<\/p>\n
Renkantis b\u016bsto paskolos dav\u0117j\u0105, pasak L. \u017dukov\u0117s, svarbu neapsiriboti vien tik mar\u017eos dyd\u017eiu. Nors mar\u017ea yra svarbi pal\u016bkan\u0173 dalis, ji n\u0117ra vienintelis kriterijus, lemiantis paskolos kain\u0105. Vert\u0117t\u0173 \u012fvertinti ir kitus aspektus \u2013 papildomus mokes\u010dius, pal\u016bkan\u0173 tip\u0105, paskolos termin\u0105, pradinio \u012fna\u0161o dyd\u012f bei sutarties s\u0105lyg\u0173 lankstum\u0105. Statyb\u0173 atveju gali b\u016bti aktual\u016bs ir kasdieni\u0173 paslaug\u0173 \u012fkainiai, pavyzd\u017eiui, gryn\u0173j\u0173 pinig\u0173 i\u0161\u0117mimo ar turto draudimo s\u0105naudos.<\/p>\n
Be to, nuo \u0161. m. gegu\u017e\u0117s bankai privalo pasi\u016blyti tiek fiksuot\u0173, tiek kintam\u0173 pal\u016bkan\u0173 variantus, tod\u0117l galite pasirinkti pagal savo biud\u017eeto atsparum\u0105 pal\u016bkan\u0173 svyravimams. Vertinant pasi\u016blymus, taip pat verta atsi\u017evelgti \u012f bendr\u0105 kredito kainos metin\u0119 norm\u0105 (BKKMN), kuri apima visas paskolos i\u0161laidas ir leid\u017eia objektyviai palyginti skirting\u0173 kreditori\u0173 pasi\u016blymus.<\/p>\n
\u201eMa\u017eesn\u0117 mar\u017ea gali atrodyti patraukliai, ta\u010diau jei j\u0105 lydi dideli papildomi mokes\u010diai ar nepalankios s\u0105lygos, bendra paskolos kaina gali b\u016bti didesn\u0117. Tod\u0117l rekomenduojame kreiptis \u012f kelis kredito dav\u0117jus, palyginti pasi\u016blymus ir pasinaudoti skai\u010diuokl\u0117mis, kurios padeda \u012fvertinti realias m\u0117nesines \u012fmokas bei bendr\u0105 paskolos kain\u0105\u201d, \u2013 sako L. \u017dukov\u0117.<\/p>\n
Kaip teigia ji, b\u016bsto paskola \u2013 vienas svarbiausi\u0173 ilgalaiki\u0173 finansini\u0173 sprendim\u0173 \u017emogaus gyvenime, tod\u0117l tam reikia tinkamai pasiruo\u0161ti.<\/p>\n
\u201eSvarbiausia \u2013 vertinkite atsakingai, planuokite savo biud\u017eet\u0105, numatykite galimus poky\u010dius ateityje ir rinkit\u0117s sprendim\u0105, kuris suteikia saugum\u0105 bei lankstum\u0105 visam paskolos laikotarpiui\u201d, \u2013 pabr\u0117\u017eia \u201eLuminor\u201d banko ekspert\u0117.<\/p>\n
\t\t\t\t\t\t\t\t\t\t\t\t ![](\"https:\/\/www.europesays.com\/lt\/wp-content\/uploads\/2025\/10\/jp-1.png\"\/)
<\/p>\n","protected":false},"excerpt":{"rendered":"Planuojant \u012fsigyti b\u016bst\u0105 su paskola, svarbu \u012fvertinti ne tik pal\u016bkan\u0173 dyd\u012f, bet ir vis\u0105 finansin\u012f paveiksl\u0105. Bankai, prie\u0161…\n","protected":false},"author":2,"featured_media":45116,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[81,37,39,36,38,40,11606,2685,46],"class_list":{"0":"post-45115","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-verslas","8":"tag-business","9":"tag-lietuva","10":"tag-lietuviu","11":"tag-lithuania","12":"tag-lithuanian","13":"tag-lt","14":"tag-nt-paskola","15":"tag-paskola","16":"tag-verslas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lt\/115589229196216806","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/45115","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=45115"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/45115\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/45116"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=45115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=45115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=45115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}