{"id":1752,"date":"2018-01-18T22:10:02","date_gmt":"2018-01-18T20:10:02","guid":{"rendered":"https:\/\/financer.lt\/?page_id=1752"},"modified":"2024-09-04T16:17:02","modified_gmt":"2024-09-04T13:17:02","slug":"busto-paskola","status":"publish","type":"page","link":"https:\/\/financer.lt\/pasiskolink\/busto-paskola\/","title":{"rendered":"B\u016bsto paskola"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Bsto_Paskola___svarbiausia_info_fn_date_formatY\">B\u016bsto Paskola &#8211; svarbiausia info (2024)<\/h2>\n\n\n\n<p>Nuosavo b\u016bsto \u012fsigijimas &#8211; svajon\u0117s i\u0161sipildymas daugeliui. Tuo pa\u010diu, tai da\u017enai tampa did\u017eiausiu \u017emogaus finansiniu \u012fsipareigojimu. <\/p>\n\n\n\n<p>\u0160iame puslapyje aptarsime visk\u0105 apie B\u016bsto Paskolas &#8211; nuo parai\u0161kos proceso ir \u012fkaini\u0173 iki m\u016bs\u0173 patarim\u0173, kaip sutaupyti. Prad\u0117kime!<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Paskola &#8211; rimtas finansinis \u012fsipareigojimas. Nevykdydami sutarties s\u0105lyg\u0173, rizikuojate prarasti \u012fkeist\u0105 Nekilnojam\u0105j\u012f Turt\u0105.<\/p>\n<p>Prie\u0161 skolindamiesi, \u012fvertinkite savo galimybes gr\u0105\u017einti paskol\u0105.<\/p><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kas_yra_Hipoteka_bsto_paskola\">Kas yra Hipoteka (b\u016bsto paskola)?<\/h2>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p style=\"text-align: center;\"><strong>Hipoteka <\/strong>&#8211; paskola su nekilnojamojo turto \u012fkeitimu.<\/p><\/div>\n\n\n<p>Norint \u012fsigyti b\u016bst\u0105, reikalingos \u017eenklios l\u0117\u0161os &#8211; reikalinga b\u016bsto paskolos suma gali siekti ir vir\u0161 150 000 eur\u0173.<\/p>\n\n\n\n<p>Tai yra didelis \u012fsipareigojimas, o skolintojams reikia \u012fsitikinti, jog pinigai bus gr\u0105\u017einti &#8211; d\u0117l to yra reikalaujamas turto \u012fkeitimas (hipoteka).<\/p>\n\n\n\n<p>Hipotekoms yra b\u016bdingos didel\u0117s sumos, ilgesni gr\u0105\u017einimo terminai bei \u017eenkliai \u017eemesn\u0117s pal\u016bkanos nei kito tipo paskol\u0173.<\/p>\n\n\n\n<ul>\n<li><strong>Alternatyva:<\/strong> <a href=\"https:\/\/financer.lt\/pasiskolink\/paskola-su-uzstatu\/\">vartojimo paskola su u\u017estatu\u2192<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ypatumai_trumpai\">Ypatumai trumpai<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Ypatumas<\/th><th>Hipotekos S\u0105lygos<\/th><\/tr><\/thead><tbody><tr><td><strong>Paskolos Suma<\/strong><\/td><td>iki 500 000\u20ac<br><sup>Priklauso nuo skolintojo<\/sup><\/td><\/tr><tr><td><strong>Gr\u0105\u017einimo Terminas<\/strong><\/td><td>iki 20 &#8211; 30 met\u0173<\/td><\/tr><tr><td><strong>Pal\u016bkanos<\/strong><\/td><td>2 &#8211; 4% + EURIBOR<\/td><\/tr><tr><td><strong>B\u016btinas N.T. \u012ekeitimas<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-71771\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2018\/03\/pros.png\" alt=\"\"><\/td><\/tr><tr><td><strong>Reikalingas Pradinis \u012ena\u0161as<\/strong><\/td><td>Taip, 15 &#8211; 30%<\/td><\/tr><tr><td><strong>Papildomi Mokes\u010diai<\/strong><\/td><td>Turto Vertinimas, Notaras<\/td><\/tr><tr><td><em>M\u016bs\u0173 Top Skolintojas<\/em><\/td><td><img decoding=\"async\" width=\"150\" height=\"48\" class=\"wp-image-71294\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/01\/savy-ukraine-e1707685872377.png\" alt=\"\"><\/td><\/tr><tr><td><em>Suma (SAVY)<\/em><\/td><td><em>iki 200 000\u20ac<\/em><\/td><\/tr><tr><td><em>BVKKMN (SAVY)<\/em><\/td><td><em>nuo 6%<\/em><\/td><\/tr><tr><td><em>Skolintojo puslapis<\/em><\/td><td><em><a href=\"https:\/\/financer.lt\/kompanija\/savy\/\">SAVY <\/a><\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n\t\t<div id=\"genericloan_1_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Palygink paskolas i\u0161 23 skolintoj\u0173<\/h3><p>Rask pigiausi\u0105 kain\u0105 vienu paspaudimu<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.lt\/rezultatai?query=1&param_amount=10000&param_period=360&\" data-slider-url=\"https:\/\/financer.lt\/rezultatai?query=1&param_amount=10000&param_period=360&\" data-required=\"rezultatai?query=1param_amount=10000&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Palyginti pasi\u016blymus<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Kaip_gauti_paskol_bstui\">Kaip gauti paskol\u0105 b\u016bstui?<\/h2>\n\n\n\n<p>Gauti paskol\u0105 b\u016bstui n\u0117ra ypatingai sud\u0117tinga, ta\u010diau jums prireiks papildom\u0173 dokument\u0173, kaip turto vertinimo pa\u017eyma ar i\u0161ra\u0161as i\u0161 registr\u0173 centro.<\/p>\n\n\n\n<p>\u017demiau pateikiame pagrindinius \u017eingsnius, kaip galite gauti paskol\u0105 b\u016bstui \u012fsigyti &#8211; paprastai ir suprantamai.<\/p>\n\n\n<h3 id=\"6_svarbiausi_ingsniai\">6 svarbiausi \u017eingsniai<\/h3><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">1 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ivertinkite-norus-bei-galimybes\">\u012evertinkite norus bei galimybes<\/h3><p>\u012evertinkite, kokio dyd\u017eio paskol\u0105 galite pasiimti, atsi\u017evelgdami \u012f savo biud\u017eet\u0105. Primename, jog perkant b\u016bst\u0105, bus reikalingas pradinis 15-30% \u012fna\u0161as.<\/p>\n<p>\u012evertinkite ir kitas i\u0161laidas, kaip turto vertinim\u0105, notaro mokes\u010dius bei finans\u0173 konsultanto paslaugas.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">2 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pasikonsultuokite-su-specialistu\">Pasikonsultuokite su specialistu<\/h3><p>Prie\u0161 eidami toliau, pasikonsultuokite su bankininku ar sertifikuotu finansininku &#8211; ekspertai jums pad\u0117s nuspr\u0119sti, kaip optimaliausiai galite siekti savo svajon\u0117s.<\/p>\n<p>Hipoteka yra vienas did\u017eiausi\u0173 \u017emogaus finansini\u0173 \u012fsipareigojim\u0173, tad yra svarbu skolintis atsargiai.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">3 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Turto-Vertinimas\">Turto Vertinimas<\/h3><p>Kitas \u017eingsnis &#8211; turto vertinimo pa\u017eyma. Pasisamdykite specialist\u0105, kuris nustatys \u012fkei\u010diamo (perkamo) turto vert\u0119 &#8211; \u0161\u012f dokument\u0105 reiks pateikti bankui.<\/p>\n<p>Skolintojai visados reikalauja turto vertinimo pa\u017eymos arba i\u0161ra\u0161o i\u0161 registr\u0173 centro.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">4 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pateikite-Paraiska\">Pateikite Parai\u0161k\u0105<\/h3><p>\u012evertin\u0119 turt\u0105, pateikite parai\u0161k\u0105 hipotekai gauti.<\/p>\n<p>Tam reiks pateikti kelet\u0105 dokument\u0173, kaip:<\/p>\n<ul>\n<li>Informacija apie j\u016bs\u0173 pajamas<\/li>\n<li>Informacija apie \u012fsipareigojimus<\/li>\n<li>J\u016bs\u0173 \u0161eimynin\u0117 pad\u0117tis<\/li>\n<li>Banko i\u0161ra\u0161as<\/li>\n<li>Turto vertinimo pa\u017eyma<\/li>\n<li>I\u0161ra\u0161as i\u0161 registr\u0173 centro<\/li>\n<\/ul><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">5 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Gaukite-Pasiulyma\">Gaukite Pasi\u016blym\u0105<\/h3><p>Sulaukite banko atsakymo d\u0117l paskolos suteikimo. Da\u017eniausiai bankas Jums pasi\u016blym\u0105 suteiks per 2 &#8211; 4 d.d. Taip pat, bankas gali susisiekti d\u0117l reikaling\u0173 papildom\u0173 duomen\u0173.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                <div class=\"single-article__conclusion-tag\" id=\"step_6\">I\u0161vada<\/div>\n                <div class=\"single-article__conclusion-item\">\n                    <div class=\"single-article__conclusion-content\">\n                                                    <h3>Pasira\u0161ykite Sutart\u012f<\/h3>\n                                                <p>Pasira\u0161ius sutart\u012f su banku bei notarin\u0119 sutart\u012f, l\u0117\u0161os u\u017e nam\u0105 bus pervestos pardav\u0117jui, bei b\u016bsite s\u0117kmingai \u012fsigij\u0119 svajoni\u0173 namus. Sveikiname!<\/p>\n<p>Primename, jog j\u016bs\u0173 b\u016bstas formaliai bus u\u017era\u0161ytas skolintojo vardu &#8211; t.y. \u012fkeistas. Hipoteka bus panaikinta kai i\u0161pildysite visas paskolos sutarties s\u0105lygas.<\/p>                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/pasiskolink\/busto-paskola\/#top\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_self\"  >Rask tinkam\u0105 paskol\u0105<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ms_Pasilymai_fn_date_formatY\">M\u016bs\u0173 Pasi\u016blymai (2024)<\/h2>\n\n\n\n<p>Norint gauti paskol\u0105 b\u016bstui, da\u017eniausiai kreipiamasi \u012f bank\u0105.<\/p>\n\n\n\n<p>Vis d\u0117lto, bankas n\u0117ra vienintel\u0117 opcija &#8211; paskolas su \u012fkeitimu suteikia ir daugyb\u0117 kit\u0173 Lietuvos skolintoj\u0173, si\u016blan\u010di\u0173 sav\u0173 privalum\u0173.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<p>Pavyzd\u017eiui <strong>SAVY<\/strong> &#8211; tarpusavio skolinimo platforma, kurioje j\u016bs\u0173 kredit\u0105 finansuos smulkieji investuotojai (\u017emon\u0117s).<\/p>\n\n\n\n<p>SAVY si\u016blo \u017eemas fiksuotas pal\u016bkanas (be EURIBOR), tad \u0161iuo metu galima sutaupyti. Be to, suteikiama galimyb\u0117 atid\u0117ti \u012fmokas 6 m\u0117nesiams.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Skolintoj_Palyginimas\">Skolintoj\u0173 Palyginimas<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>S\u0105lygos<\/th><th>SMSPINIGAI<\/th><th>SAVY<\/th><th>Paskolos.lt<\/th><\/tr><\/thead><tbody><tr><td><strong>Logo<\/strong><\/td><td><img decoding=\"async\" class=\"wp-image-72449\" style=\"width: 120px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/02\/smspinigai-transparent-e1707601841713.png\" alt=\"\"><\/td><td><img decoding=\"async\" width=\"150\" height=\"48\" class=\"wp-image-71294\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/01\/savy-ukraine-e1707685872377.png\" alt=\"\"><\/td><td><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/02\/paskoloslt.png\" alt=\"\" style=\"width: 150px;\"><\/td><\/tr><tr><td><strong>Paskolos Suma<\/strong><br><sup><em>Su NT \u012fkeitimu<\/em><\/sup><\/td><td>iki 100 000\u20ac<\/td><td>iki 200 000\u20ac<\/td><td>iki 100 000\u20ac<\/td><\/tr><tr><td><strong>Gr\u0105\u017einimo Terminas<\/strong><\/td><td>iki 30 met\u0173<\/td><td>iki 20 met\u0173<\/td><td>iki 10 met\u0173<\/td><\/tr><tr><td><strong>Pal\u016bkanos<\/strong><\/td><td>nuo 14%<\/td><td>nuo 4%<\/td><td>nuo 14%<\/td><\/tr><tr><td><strong>BVKKMN<\/strong><\/td><td>nuo 15%<\/td><td>nuo 6%<\/td><td>nuo 15%<\/td><\/tr><tr><td><strong>\u012ekei\u010diamo NT vert\u0117<\/strong><\/td><td>iki 80%<\/td><td>iki 80%<\/td><td>iki 80%<\/td><\/tr><tr><td><strong>Preliminari \u012fmoka<\/strong><br><em><sup>(30 000\u20ac, 10m. terminui)<\/sup><\/em><\/td><td>~469\u20ac<\/td><td><strong>~340\u20ac<\/strong><\/td><td>~469\u20ac<\/td><\/tr><tr><td><strong>I\u0161ankstinis Gr\u0105\u017einimas<\/strong><\/td><td>Nemokamas<\/td><td>Nemokamas<\/td><td>Nemokamas<\/td><\/tr><tr><td><strong>Skolintojo puslapis<\/strong><\/td><td><a rel=\"sponsored noopener nofollow\" target=\"_blank\" href=\"https:\/\/financer.lt\/kompanija\/smspinigai\/redirect\/\">SMSpinigai<\/a><\/td><td><a rel=\"sponsored noopener nofollow\" target=\"_blank\" href=\"https:\/\/financer.lt\/kompanija\/savy\/redirect\/\">SAVY<\/a><\/td><td><a rel=\"sponsored noopener nofollow\" target=\"_blank\" href=\"https:\/\/financer.lt\/kompanija\/paskolos-lt\/redirect\/\">Paskolos.lt<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Bsto_Paskola___Anuitetas_ar_Linijinis\">B\u016bsto Paskola &#8211; Anuitetas ar Linijinis?<\/h2>\n\n\n\n<p>Gr\u0105\u017einti b\u016bsto paskol\u0105 galima dviem b\u016bdais &#8211; galima rinktis anuitet\u0105, arba linijin\u012f paskolos gr\u0105\u017einimo b\u016bd\u0105.<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/financer.lt\/wiki\/anuitetas-ar-linijinis-paskolos-mokejimo-budas\/\">Su\u017einok daugiau apie Anuitet\u0105 ir Linijin\u012f b\u016bd\u0105\u2192<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"A_Anuitetas\">A) Anuitetas<\/h3>\n\n\n\n<p>Pasirinkus Anuitet\u0105, yra mokamos vienodo dyd\u017eio \u012fmokos.<\/p>\n\n\n\n<p>Paprastai tariant, suma, kuri\u0105 mokate dalimis kiekvien\u0105 m\u0117nes\u012f, yra pastovi ir nekintama. Visos smulkios paskolos yra gr\u0105\u017einamos anuitetu.<\/p>\n\n\n\n<p>Pavyzd\u017eiui, pasirinkote 50 000\u20ac paskol\u0105 10 met\u0173 terminui, o numatomos \u012fmokos siekia 550\u20ac per m\u0117nes\u012f.<\/p>\n\n\n\n<p>Gr\u0105\u017einant paskol\u0105 Anuitetu, j\u016bs\u0173 \u012fmokos visad bus nekintamos,  t.y. 550\u20ac<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"B_Linijinis\">B) Linijinis<\/h3>\n\n\n\n<p>Pasirinkus Linijinis paskolos gr\u0105\u017einimo b\u016bd\u0105, \u012fmokos palaipsniui ma\u017e\u0117ja.<\/p>\n\n\n\n<p>Paprastai tariant, \u010dia taikomos nekintamos pal\u016bkanos &#8211; palaipsniui mokant \u012fmokas, ma\u017e\u0117ja ir pal\u016bkanos, nes jos skai\u010diuojamos nuo negr\u0105\u017einto liku\u010dio.<\/p>\n\n\n\n<p>Renkantis Linijin\u012f mok\u0117jimo b\u016bd\u0105, prad\u017eioje \u012fmokos bus didesn\u0117s, ta\u010diau v\u0117liau jos gali \u017eenkliai suma\u017e\u0117ti.<\/p>\n\n\n\n<p>Pavyzd\u017eiui, pasirinkote 50 000\u20ac paskol\u0105 10 met\u0173 terminui &#8211; prad\u017eioje \u012fmokos gali siekti vir\u0161 700\u20ac, ta\u010diau v\u0117liau \u012fmokos gali suma\u017e\u0117ti ir iki 300\u20ac.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><p>Mok\u0117dami linijiniu b\u016bdu, j\u016bs i\u0161 viso sumok\u0117site ma\u017eiau pal\u016bkan\u0173 \u2013 imdami itin ilgo termino paskol\u0105, tai gali reik\u0161ti ir sutaupytus kelis t\u016bkstan\u010di\u0173 eur\u0173.<\/p><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>Sutaupyk iki <span class=\"compare-amount\">85,00 \u20ac <\/span> nuo paskolos kainos<\/h3>\n\t\t\t\t<p>Kainos skirtumas 500,00 \u20ac paskolai su 90 dien\u0173 terminu yra 85,00 \u20ac.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.lt\/rezultatai\/?query=1&filter_non_affiliate=1&param_amount=500&param_period=90\" class=\"button is-normal is-primary is-rounded\">Su\u017einok kaip<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Bsto_Paskola___kokie_kainiai\">B\u016bsto Paskola &#8211; kokie \u012fkainiai?<\/h2>\n\n\n\n<p>B\u016bsto paskolos kaina priklauso nuo daugyb\u0117s aspekt\u0173, kaip j\u016bs\u0173 finansin\u0117 pad\u0117tis, kreditingumo vertinimas, paskolos suma ir terminas.<\/p>\n\n\n\n<p>Ta\u010diau tuo pa\u010diu, b\u016bsto kreditams yra b\u016bdingi tam tikri \u012fkainiai, \u012f kuriuos svarbu atsi\u017evelgti dar prie\u0161 skolinantis.<\/p>\n\n\n\n<p>Aptarkime pagrindinius \u012fkainius, kurie sudaro bendr\u0105 hipotekos kain\u0105.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><h3 id=\"Pagrindiniai_paskolos_kainiai\">Pagrindiniai paskolos \u012fkainiai<\/h3><li><p><strong>Pal\u016bkanos<\/strong><\/p>\n<p>Daro did\u017eiausi\u0105 \u012ftak\u0105 paskolos kainai. Metin\u0117s pal\u016bkanos gali siekti tarp 2 &#8211; 7%, priklausomai nuo j\u016bs\u0173 kreditingumo bei EURIBOR dyd\u017eio.<\/p>\n<\/li><li><p><strong>Turto Vertinimas<\/strong><\/p>\n<p>Priklauso nuo b\u016bsto dyd\u017eio. Buto vertinimo kaina prasideda nuo 100-120\u20ac, o namo &#8211; nuo 180-220\u20ac.<\/p>\n<\/li><li><p><strong>Notaro Tvirtinimas<\/strong><\/p>\n<p>Sutartis turi b\u016bti tvirtinama notaro &#8211; taikomas 0.37% mokestis nuo paskolos sumos. Skolinantis 50 000\u20ac, jums tekt\u0173 sumok\u0117ti 185\u20ac notaro mokest\u012f (+PVM).<\/p>\n<\/li><li><p><strong>Sutarties Administravimas<\/strong><\/p>\n<p>Sudarant sutart\u012f, skolintojas gali taikyti vienkartin\u012f mokest\u012f, siekiant\u012f 0.4-0.6% kredito sumos. Skolinantis 50 000\u20ac, vidutini\u0161kai tekt\u0173 sumok\u0117ti 250\u20ac.<\/p>\n<\/li><li><p><strong>Hipotekos Tvirtinimas<\/strong><\/p>\n<p>Turto \u012fkeitimas turi b\u016bti patvirtinamas Notar\u0173 biure. Priklausomai nuo b\u016bsto vert\u0117s, \u0161is mokestis gali siekti iki 240\u20ac.<\/p>\n<\/li><li><p><strong>Registr\u0173 Mokes\u010diai<\/strong><\/p>\n<p>Galiausiai, teks sumok\u0117ti \u012fvairius mokes\u010dius u\u017e b\u016bsto patikras registruose.<\/p>\n<\/li><\/ol><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/wiki\/nekilnojamojo-turto-mokestis\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  >Nepamir\u0161kite: Nekilnojamojo Turto Mokestis<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Bsto_Paskolos_Palkanos_fn_date_formatY\">B\u016bsto Paskolos Pal\u016bkanos 2024<\/h2>\n\n\n\n<p>Pal\u016bkanos, neabejotinai, yra pagrindin\u0117 b\u016bsto paskolos kainos dalis. Priklausomai nuo skolintojo, galite rinktis <strong>fiksuotas<\/strong> arba <strong>kintamas<\/strong> pal\u016bkanas. <\/p>\n\n\n\n<ul>\n<li><strong>Fiksuotos pal\u016bkanos<\/strong> &#8211; pasirinkimas tiems, kuriems reikia stabilumo.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\">\n\n\n\n<p>Pasirinkdami fiksuotas \u012fmokas, j\u016bs\u0173 pal\u016bkanos nebus kei\u010diamos nepriklausomai nuo EURIBOR normos. \u0160ios pal\u016bkanos privalo nekisti bent 5 metus.<\/p>\n\n\n\n<p>Fiksuotos pal\u016bkanos yra kiek auk\u0161tesn\u0117s nei kintamos, ta\u010diau leid\u017eia ,,i\u0161lo\u0161ti&#8221; tuo atveju, kai EURIBOR norma \u017eenkliai pakyla.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\">\n\n\n\n<ul>\n<li><strong>Kintamos pal\u016bkanos<\/strong> &#8211; \u012fprastas pasirinkimas, taikomas vir\u0161 80% atvej\u0173.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\">\n\n\n\n<p>Kintamos pal\u016bkanos yra sudarytos i\u0161 skolintojo dalies + EURIBOR dalies, kuri yra per\u017ei\u016brima ir koreguojama, priklausomai nuo EURIBOR poky\u010di\u0173.<\/p>\n\n\n\n<p>Skolintojo pal\u016bkanos da\u017eniausiai siekia 2-3%, o EURIBOR gali siekti tiek 0%, tiek 5%, priklausomai nuo ekonomin\u0117s situacijos.<\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"echarts\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_echarts = echarts.init(document.getElementById('echarts'));\n\t\t\tvar data_arr = [];\n\t\t\tvar val_arr = [];\n\t\t\tvar data_value = [\"2.5\",\"3.3\",\"2.0\",\"2.4\",\"4.3\",\"0.4\",\"0.9\",\"0.2\",\"-0.2\",\"-0.3\",\"-0.5\",\"-0.6\",\"3.8\"];\n\t\t\tvar data_name = [\"2000\",\"2002\",\"2004\",\"2006\",\"2008\",\"2010\",\"2012\",\"2014\",\"2016\",\"2018\",\"2020\",\"2022\",\"2024\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; 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nuo j\u016bs\u0173 pasirinkim\u0173 \u017eenkliai priklausys j\u016bs\u0173 \u012fsipareigojimai bei finansin\u0117 gerov\u0117.<\/p>\n\n\n\n<p>\u017demiau pateikiame kelet\u0105 patarim\u0173, kaip skolintis protingai.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p><strong>\u012evertink galimybes.<\/strong><\/p>\n<p>Atid\u017eiai ir realisti\u0161kai \u012fvertinkite savo finansines galimybes &#8211; ver\u010diau rinktis ma\u017eesn\u0119 paskol\u0105, nei nuolatos gyventi su didele finansine na\u0161ta.<\/p>\n<\/li><li><p><strong>\u012evertink pradin\u012f \u012fna\u0161\u0105.<\/strong><\/p>\n<p>Reikalingas pradinis \u012fna\u0161as &#8211; \u017eenkliai didesnis nei 15%. Neretai yra pra\u0161oma ir 20-30% siekian\u010dio \u012fna\u0161o, be to, paskolos sudarymas gali kainuoti vir\u0161 1500\u20ac (Notaras, banko mokes\u010diai ir kt.)<\/p>\n<\/li><li><p><strong>Palygink pasi\u016blymus.<\/strong><\/p>\n<p>Yra svarbu nepulti skolintis i\u0161 pirmo banko &#8211; geriausia susisiekti su keletu bank\u0173 bei gauti pasi\u016blymus. Taip gal\u0117site i\u0161sirinkti geriausi\u0105 variant\u0105.<\/p>\n<\/li><li><p><strong>Pasikonsultuok su ekspertu.<\/strong><\/p>\n<p>Kilus klausim\u0173, nepabijokite pasikonsultuoti su finans\u0173 ekspertu-patar\u0117ju, pad\u0117sian\u010diu priimti geresnius finansinius sprendimus. <\/p>\n<\/li><\/ol><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Danai_Uduodami_Klausimai\">Da\u017enai U\u017eduodami Klausimai<\/h2>\n\n\n\n<p>\u017demiau pateikiame visus svarbiausius atsakymus \u012f da\u017eniausiai u\u017eduodamus klausimus, susijusius su Hipotekomis (b\u016bsto paskolomis). <\/p>\n\n\n\n<p>Linkime s\u0117kmingai \u012fsigyti savo svajoni\u0173 namus. A\u010di\u016b u\u017e skaitym\u0105!<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Hipoteka___DUK\">Hipoteka &#8211; D.U.K.<\/h3><h4>Kas yra hipoteka?<\/h4><div class=\"faq_inner\"><p>Hipoteka &#8211; paskola, suteikiama su nekilnojamojo turto \u012fkeitimu. Hipotekos taip pat vadinamos b\u016bsto paskolomis.<\/p><\/div><h4>Kas gali gauti hipotek\u0105?<\/h4><div class=\"faq_inner\"><p>Hipotek\u0105 gali gauti asmenys, kurie yra finansi\u0161kai stabil\u016bs, neturi kit\u0173 dideli\u0173 nesumok\u0117t\u0173 skol\u0173, turi ger\u0105 kredito istorij\u0105, yra pasireng\u0119 \u012fkeisti turim\u0105 (ar perkam\u0105) N.T. ir sumok\u0117ti pradin\u012f \u012fna\u0161\u0105.<\/p><\/div><h4>Koks pradinio \u012fna\u0161o dydis?<\/h4><div class=\"faq_inner\"><p>Minimalus pradinis \u012fna\u0161as siekia 15% perkamo b\u016bsto kainos, ta\u010diau priklausomai nuo j\u016bs\u0173 finansin\u0117s situacijos bei \u012fkei\u010diamo turto, \u0161is procentinis dydis gali kisti.<\/p><\/div><h4>Nuo ko priklauso B\u016bsto Paskolos kaina?<\/h4><div class=\"faq_inner\"><p>Paskolos pasi\u016blymas, kur\u012f gausite i\u0161 banko, priklausys nuo: j\u016bs\u0173 finansin\u0117s pad\u0117ties, kredito istorijos, \u0161eimynin\u0117s pad\u0117ties, \u012fkei\u010diamo turto, norimos paskolos sumos bei gr\u0105\u017einimo termino.<\/p><\/div><h4>Bankas atsisak\u0117 suteikti paskol\u0105 &#8211; kod\u0117l?<\/h4><div class=\"faq_inner\"><p>Bankai atid\u017eiai atrenka parai\u0161kas, kurioms yra pateikiamas pasi\u016blymas. Jei pasi\u016blymo gauti paskol\u0105 i\u0161 banko negavote, tai rei\u0161kia, jog bankas n\u0117ra \u012fsitikin\u0119s, jog susitvarkysite su nauju finansiniu \u012fsipareigojimu.<\/p>\n<p>Keletas \u012fmanom\u0173 prie\u017eas\u010di\u0173:<\/p>\n<ul>\n<li>Turimi kiti finansiniai \u012fsipareigojimai.<\/li>\n<li>Sud\u0117tinga finansin\u0117 situacija.<\/li>\n<li>Daug l\u0117\u0161\u0173 reikalaujanti \u0161eimynin\u0117 pad\u0117tis.<\/li>\n<\/ul><\/div><h4>Ar galiu pateikti kelet\u0105 parai\u0161k\u0173 skolintojams?<\/h4><div class=\"faq_inner\"><p>Taip! J\u016bs galite parai\u0161kas teikti visiems bankams, kokiems tik norite &#8211; kol nepasira\u0161\u0117te paskolos suteikimo sutarties bei ne\u012fforminote N.T. pirkimo pas Notar\u0105, j\u016bs nesate finansi\u0161kai \u012fsipareigoj\u0119. Mes patariame parai\u0161k\u0105 pateikti kuo daugiau bank\u0173 &#8211; gav\u0119 kelet\u0105 pasi\u016blym\u0173, gal\u0117site i\u0161sirinkti geriausi\u0105.<\/p><\/div><h4>Kokio dyd\u017eio b\u016bsto paskol\u0105 galiu gauti?<\/h4><div class=\"faq_inner\"><p>Priklausomai nuo banko, \u012fkei\u010diamo turto bei j\u016bs\u0173 finansin\u0117s pad\u0117ties, galite tik\u0117tis gauti paskol\u0105 iki 500 000\u20ac.<\/p><\/div><h4>Kas yra turto vertinimas?<\/h4><div class=\"faq_inner\"><p>Turto vertinimas &#8211; privalomas \u017eingsnis, norintiems gauti b\u016bsto paskol\u0105. Tai yra eksperto nustatoma \u012fkei\u010diamo N.T. vert\u0117. Reali turto vert\u0117 ne visados atitinka norim\u0105 kain\u0105, tad eksperto u\u017eduotis &#8211; bankui suteikti informacij\u0105 apie reali\u0105 \u012fkei\u010diamo N.T. vert\u0119 rinkoje.<\/p><\/div><h4>Ar turto vertinimas yra privalomas?<\/h4><div class=\"faq_inner\"><p>Taip &#8211; yra b\u016btina turto vertinimo pa\u017eyma arba i\u0161ra\u0161as i\u0161 registr\u0173 centro.<\/p><\/div><h4>Koks galimas b\u016bsto paskolos gr\u0105\u017einimo terminas?<\/h4><div class=\"faq_inner\"><p>Priklausomai nuo skolintojo, galite pasiskolinti iki 20-30 met\u0173 laikotarpiui.<\/p><\/div><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/pasiskolink\/busto-paskola\/#top\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_self\"  >Rask tinkam\u0105 paskol\u0105 dabar<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>B\u016bsto Paskola &#8211; svarbiausia info () Nuosavo b\u016bsto \u012fsigijimas &#8211; svajon\u0117s i\u0161sipildymas daugeliui. Tuo pa\u010diu, tai da\u017enai tampa did\u017eiausiu \u017emogaus\u2026 <\/p>\n","protected":false},"author":100,"featured_media":30510,"parent":1013,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[38],"tags":[595,21],"_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/1752"}],"collection":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/comments?post=1752"}],"version-history":[{"count":50,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/1752\/revisions"}],"predecessor-version":[{"id":72602,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/1752\/revisions\/72602"}],"up":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/1013"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media\/30510"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=1752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=1752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/tags?post=1752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}