{"id":45863,"date":"2025-11-23T06:44:33","date_gmt":"2025-11-23T06:44:33","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/45863\/"},"modified":"2025-11-23T06:44:33","modified_gmt":"2025-11-23T06:44:33","slug":"10-proc-pradinis-inasas-kodel-dalis-laukianciu-gali-pralosti","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/45863\/","title":{"rendered":"10 proc. pradinis \u012fna\u0161as \u2013 kod\u0117l dalis laukian\u010di\u0173 gali pralo\u0161ti?"},"content":{"rendered":"

Laim\u0117tojai \u2013 b\u016bsto pardav\u0117jai<\/p>\n

\u201eLuminor\u201c banko ekonomistas \u017dygimantas Mauricas sako, kad Lietuvos banko sprendimas labiau naudingas b\u016bsto pardav\u0117jams nei pirk\u0117jams: \u201ePakilus paklausai ir kainoms, pasi\u016bla nesp\u0117s taip greitai reaguoti, tod\u0117l b\u016bst\u0105 bus galima parduoti brangiau. Pirk\u0117jams, tuo tarpu, poveikis bus ribotas: did\u017eioji dalis ir toliau gal\u0117s sukaupti arba jau turi sukaup\u0119 15 proc. pradin\u012f \u012fna\u0161\u0105, o dalis perka be banko finansavimo.\u201c<\/p>\n

Pasak jo, sprendimas labiausiai palies \u017emones, sukaupusius 10\u201315 proc. b\u016bsto vert\u0117s \u2013 jiems atsivers galimyb\u0117 aktyviau dalyvauti rinkoje. Ta\u010diau tai rei\u0161kia, kad did\u0117s ir bendra paklausa, o pasi\u016bloje kol kas reik\u0161ming\u0173 poky\u010di\u0173 \u2013 nematyti.<\/p>\n

\"\u017dygimantas <\/p>\n

\u201ePaklausos didinimas gali s\u0105lygoti tolesn\u012f kain\u0173 augim\u0105. Taigi, lazda turi du galus \u2013 siekis palengvinti b\u016bsto \u012fsigijim\u0105 daliai gyventoj\u0173 reik\u0161, kad b\u016bsto kainos i\u0161augs ir \u012fsigyti b\u016bst\u0105 kitiems taps dar sunkiau. Vien tik paklausos skatinimas rinkos balanso nei\u0161spr\u0119s \u2013 tam reikia ir sprendim\u0173, didinan\u010di\u0173 pasi\u016bl\u0105\u201c, \u2013 prognozuoja \u017d. Mauricas.<\/p>\n

NT ekspertas: laukti neapsimoka<\/p>\n

Nekilnojamo turto (NT) brokeris Mantas Miko\u010di\u016bnas pastebi, kad rinkoje jau matomas laukimo efektas \u2013 dalis pirk\u0117j\u0173 atid\u0117jo b\u016bsto \u012fsigijimo sprendim\u0105 iki 2026 m. rugpj\u016b\u010dio, tik\u0117damiesi pasinaudoti ma\u017eesniu \u012fna\u0161u. Ta\u010diau, anot NT eksperto, dauguma \u0161ia lengvata realiai pasinaudoti negal\u0117s.<\/p>\n

\u201ePradinio \u012fna\u0161o suma\u017einimas iki 10 proc. galios tik pirmajam b\u016bstui ir pirmajai paskolai. Tod\u0117l did\u017eiajai daliai pirk\u0117j\u0173 \u0161is pokytis nieko nekeis. Tie, kurie b\u016bst\u0105 perka antr\u0105 ar tre\u010di\u0105 kart\u0105, atvirk\u0161\u010diai \u2013 tur\u0117s sumok\u0117ti dar didesn\u012f \u012fna\u0161\u0105\u201c, \u2013 sako M. Miko\u010di\u016bnas.<\/p>\n

\"Mantas <\/p>\n

Jis taip pat prognozuoja, kad per artimiausius metus b\u016bsto kainos<\/a> gali kilti 10\u201315 proc., jei geopolitin\u0117 situacija i\u0161liks stabili.<\/p>\n

5 proc. suma\u017e\u0117jim\u0105 \u201esuvalgys\u201c b\u016bsto kainos<\/p>\n

\u201eSBA Urban\u201c priklausan\u010dios \u012fmon\u0117s, pl\u0117tojan\u010dios \u201eNemunai\u010di\u0173\u201c rajon\u0105 Kaune, pardavim\u0173 ir bendruomen\u0117s vadov\u0117 Viktorija Pozingyt\u0117 sako, kad Lietuvos banko sprendimo poveikis labiausiai jausis ekonomin\u0117s klas\u0117s b\u016bsto segmente, kur pirk\u0117j\u0173 sprendimus lemia \u012fperkamumas.<\/p>\n

\u201eTuo tarpu auk\u0161tesn\u0117s \u2013 \u201epremium\u201c \u2013 klas\u0117s pirk\u0117jams 10 ar 15 proc. \u012fna\u0161o skirtumas n\u0117ra lemiamas. Tokie pirk\u0117jai da\u017eniausiai sprendimus priima racionaliai, \u012fvertin\u0119 savo finansines galimybes, viet\u0105 ir kokyb\u0119. Jiems svarbiausia \u2013 ne kiek procent\u0173 reikia sumok\u0117ti, o ar b\u016bstas atitinka j\u0173 gyvenimo b\u016bd\u0105\u201c, \u2013 sako ji.<\/p>\n

\"Viktorija <\/p>\n

Pasak V. Pozingyt\u0117s, rinkos laukimas iki 2026 m. gali b\u016bti apgaulingas: \u201eIki to laiko rinka pati u\u017esikels kainas tiek, kad \u0161is 5 proc. skirtumas bus ne tik suvalgytas, bet net ir vir\u0161ytas. Did\u017eiuosiuose Lietuvos miestuose, tarp j\u0173 ir Kaune, kur \u0161iuo metu vystome \u201eNemunai\u010di\u0173\u201c kvartal\u0105, NT objekt\u0173 pasi\u016bla vis dar i\u0161lieka ribota, o paklausa nema\u017e\u0117ja. Be to, statyb\u0173 ka\u0161tai kyla \u2013 dalis rangov\u0173 renkasi pelningesnius valstybinius projektus, tod\u0117l nat\u016bralu, kad kainos augs.\u201c<\/p>\n

K\u0105 daryti dabar?<\/p>\n

Pasak ekspert\u0173, sprendim\u0105 pirkti b\u016bst\u0105 reik\u0117t\u0173 gr\u012fsti ne vien formaliais skai\u010diais, o realia rinkos situacija. Laukti pradinio \u012fna\u0161o suma\u017einimo kit\u0173 met\u0173 rugpj\u016b\u010dio 1 d. gali b\u016bti viliojanti mintis, ta\u010diau tokia strategija ne visiems pasiteisins.<\/p>\n

\u201eVisiems patar\u010diau i\u0161sirinkti sau tinkam\u0105 b\u016bst\u0105 ir fiksuoti kain\u0105 kuo anks\u010diau, nes tik\u0117tina, kad ji su laiku did\u0117s. O pirmojo b\u016bsto pirk\u0117jams, jei yra galimyb\u0117, pas notar\u0105 eiti nuo rugpj\u016b\u010dio 1 d. \u2013 taip sutaupant dal\u012f nuosav\u0173 l\u0117\u0161\u0173\u201c, \u2013 rekomenduoja M. Miko\u010di\u016bnas.<\/p>\n

\u201eJei b\u016bsto reikia \u0161iandien, jei radote viet\u0105 ir projekt\u0105, kuris jums tinka \u2013 delsti neverta. Ger\u0117jan\u010dios paskol\u0173 s\u0105lygos, ma\u017e\u0117jan\u010dios pal\u016bkanos ir augantis pasitik\u0117jimas finansin\u0117mis galimyb\u0117mis skatina \u017emones veikti dabar. Rinka juda \u012f priek\u012f ir, net jei pradinio \u012fna\u0161o s\u0105lygos atrodys palankesn\u0117s po met\u0173, NT kainos gali b\u016bti auk\u0161tesn\u0117s. \u0160iandien matome, kad pirk\u0117jai tai jau\u010dia, nes sprendim\u0173 tempas tik auga\u201c, \u2013 sako V. Pozingyt\u0117.<\/p>\n","protected":false},"excerpt":{"rendered":"Laim\u0117tojai \u2013 b\u016bsto pardav\u0117jai \u201eLuminor\u201c banko ekonomistas \u017dygimantas Mauricas sako, kad Lietuvos banko sprendimas labiau naudingas b\u016bsto pardav\u0117jams…\n","protected":false},"author":2,"featured_media":45864,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[25,30,31,4769,34,35,24,32,33,37,39,36,38,40,23,22,28,29,2687,26,27],"class_list":{"0":"post-45863","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lietuva","8":"tag-antrastes","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-busto-kainos","12":"tag-featured-news","13":"tag-featurednews","14":"tag-headlines","15":"tag-latest-news","16":"tag-latestnews","17":"tag-lietuva","18":"tag-lietuviu","19":"tag-lithuania","20":"tag-lithuanian","21":"tag-lt","22":"tag-naujienos","23":"tag-news","24":"tag-populiariausios-naujienos","25":"tag-populiariausiosnaujienos","26":"tag-pradinis-inasas","27":"tag-top-stories","28":"tag-topstories"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lt\/115597663667157879","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/45863","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=45863"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/45863\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/45864"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=45863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=45863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=45863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}