{"id":241,"date":"2017-10-04T06:18:25","date_gmt":"2017-10-04T03:18:25","guid":{"rendered":"https:\/\/financer.lt\/?page_id=241"},"modified":"2024-09-04T16:17:00","modified_gmt":"2024-09-04T13:17:00","slug":"vartojimo-paskola","status":"publish","type":"page","link":"https:\/\/financer.lt\/pasiskolink\/vartojimo-paskola\/","title":{"rendered":"Vartojimo paskola"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Vartojimo_paskola___pasiskolink_pigiau\">Vartojimo paskola &#8211; pasiskolink pigiau<\/h2>\n\n\n\n<p>Ie\u0161kote jums tinkamos vartojimo paskolos?<\/p>\n\n\n\n<p>Esate tinkamoje vietoje &#8211; mes, Financer.com, jums pad\u0117sime rasti pigiausi\u0105 paskol\u0105. Visi\u0161kai nemokamai ir anonimi\u0161kai.<\/p>\n\n\n\n<p>\u0160iame puslapyje rasite \u012fvairi\u0173 skolintoj\u0173 palyginim\u0105 &#8211; mes \u012fvertinome visus mokes\u010dius bei atrinkome pigiausias paskolas 2024 metams.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Verta_inoti_prie_skolinantis\">Verta \u017einoti prie\u0161 skolinantis<\/h3><ul>\n<li><strong>Paskola kainuoja pinigus.<\/strong> Pasirink\u0119 paskol\u0105, prival\u0117site mok\u0117ti pal\u016bkanas bei kitus taikomus mokes\u010dius. D\u0117l \u0161ios prie\u017easties, paskola netur\u0117t\u0173 b\u016bti naudojama esamiems \u012fsiskolinimams padengti.<\/li>\n<li><strong>Ne visos paskolos yra vienodos.<\/strong> Tos pa\u010dios sumos ir termino kredito kaina gali skirtis net kelet\u0105 kart\u0173 &#8211; paskolos kaina priklauso tiek nuo pasirinkto skolintojo, tiek nuo j\u016bs\u0173 kreditingumo.<\/li>\n<li><strong>Paskola ne visados yra geriausias sprendimas.<\/strong> Rinkit\u0117s paskol\u0105 tik tais atvejais, kai ji tikrai reikalinga. Pigesnis pasirinkimas &#8211; nesiskolinti ir susitaupyti reikiamas l\u0117\u0161as patiems.<\/li>\n<\/ul><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vartojimo_paskola__kas_tai\">Vartojimo paskola- kas tai?<\/h2>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><strong>Vartojimo paskola<\/strong> &#8211; finansin\u0117 paslauga, kuria jums yra paskolinama norima l\u0117\u0161\u0173 suma sutartam terminui.<\/p>\n<p>Gautas l\u0117\u0161as galite naudoti savo nuo\u017ei\u016bra, o jas gr\u0105\u017einti reiks mokant m\u0117nesines \u012fmokas.<\/p><\/div>\n\n\n<p>\u0160io tipo kreditus suteikia daugelis finansini\u0173 institucij\u0173 &#8211; bankai, skolinan\u010dios bendrov\u0117s, kredito unijos, tarpusavio skolinimo platformos.<\/p>\n\n\n\n<p>Svarbu pamin\u0117ti, jog vartojimo paskola \u012fprastai yra pigesn\u0117, nei <a href=\"https:\/\/financer.lt\/pasiskolink\/greitieji-kreditai\/\">greitieji kreditai<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vartojimo_Paskola___ypatumai\">Vartojimo Paskola &#8211; ypatumai<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th>Ypatumas<\/th><th>Vartojimo Paskola<\/th><\/tr><\/thead><tbody><tr><td><strong>Suteikiama Suma<\/strong><\/td><td>300 &#8211; 30 000\u20ac<\/td><\/tr><tr><td><strong>Gr\u0105\u017einimo Terminas<\/strong><\/td><td>12 &#8211; 120 m\u0117n.<\/td><\/tr><tr><td><strong>Pal\u016bkanos<\/strong><\/td><td>3 &#8211; 30%<br><sup>priklauso nuo skolintojo \/ kreditingumo<\/sup><\/td><\/tr><tr><td><strong>Turto \u012ekeitimas<\/strong><\/td><td>Nereikalingas<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Kam_tinka_Vartojimo_Paskola\">Kam tinka Vartojimo Paskola?<\/h3>\n\n\n\n<p>Vartojimo paskola yra itin lanksti &#8211; \u010dia <strong>nereikalingas turto \u012fkeitimas<\/strong>, be to, parai\u0161kos<strong> procesas greitas ir paprastas<\/strong>.<\/p>\n\n\n\n<p>Vartojimo paskola tinka daugeliui poreiki\u0173 &#8211; norint \u012fsigyti nauj\u0105 transporto priemon\u0119, vestuv\u0117ms i\u0161kelti, \u012fgyvendinti verslo id\u0117j\u0105 ir t.t.<\/p>\n\n\n\n<p>\u017demiau pateikiame kelet\u0105 populiari\u0173 vartojimo kredit\u0173 tip\u0173 &#8211; atsidar\u0119 dominan\u010di\u0105 ap\u017evalg\u0105, rasite tinkamiausi\u0105 paskol\u0105.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Vartojimo Kredit\u0173 tipai:<\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/financer.lt\/pasiskolink\/paskolos-is-zmoniu\/\">Paskola i\u0161 \u017emoni\u0173<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.lt\/pasiskolink\/paskola-automobiliui\/\">Paskola automobiliui<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.lt\/pasiskolink\/paskola-busto-remontui\/\">Paskola remontui<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.lt\/pasiskolink\/paskola-busto-irengimui\/\">Paskola b\u016bsto \u012frengimui<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.lt\/pasiskolink\/studento-paskola\/\">Studento paskola<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.lt\/pasiskolink\/paskola-dantu-gydymui\/\">Paskola dant\u0173 gydymui<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.lt\/pasiskolink\/paskola-sklypui\/\">Paskola sklypui<\/a> ir kt.<\/li>\n<\/ul>\n\n\n\n\t\t<div id=\"genericloan_0_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=\"Vartojimo_Kreditas___kas_gali_gauti\">Vartojimo Kreditas &#8211; kas gali gauti?<\/h2>\n\n\n\n<p>Nor\u0117dami gauti vartojimo paskol\u0105, privalote atitikti kelet\u0105 atsakingo skolinimo reikalavim\u0173.<\/p>\n\n\n\n<p>\u0160ie reikalavimai yra gan\u0117tinai paprasti &#8211; pavyzd\u017eiui, yra b\u016btina gauti pastovi\u0173 pajam\u0173, kaip ir netur\u0117ti pradelst\u0173 skol\u0173. Svarbiausius reikalavimus rasite \u017eemiau.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><h3 id=\"Reikalavimai_Vartojimo_Paskolai_gauti\">Reikalavimai Vartojimo Paskolai gauti<\/h3><li><p><strong>Pilnametyst\u0117<\/strong><\/p>\n<p>Kiekvienas skolintojas turi savo am\u017eiaus cenz\u0105 &#8211; priklausomai nuo skolintojo, privalote b\u016bti sulauk\u0119 18 &#8211; 21 met\u0173.<\/p>\n<\/li><li><p><strong>Stabilios pajamos<\/strong><\/p>\n<p>Turite gauti pastovi\u0173, oficiali\u0173 pajam\u0173. Paskutin\u0117je darboviet\u0117je turite b\u016bti i\u0161dirb\u0119 bent 4 m\u0117nesius.<\/p>\n<\/li><li><p><strong>Netur\u0117ti pradelst\u0173 skol\u0173<\/strong><\/p>\n<p>Jei jau v\u0117luojate mok\u0117ti \u012fmokas kitam skolintojui, naujos paskolos gauti negal\u0117site.<\/p>\n<\/li><li><p><strong>\u012esipareigojim\u0173 limitas<\/strong><\/p>\n<p>Turim\u0173 finansini\u0173 \u012fsipareigojim\u0173 \u012fmokos negali vir\u0161yti 40% m\u0117nesio pajam\u0173.<\/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\/paskola-vekseliu\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  >Alternatyva: Paskola su Vekseliu \u2192<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kiek_kainuoja_Vartojimo_Paskola\">Kiek kainuoja Vartojimo Paskola?<\/h2>\n\n\n\n<p>Vartojimo paskolos kaina priklauso tiek nuo pasirinkto skolintojo kainodaros, tiek nuo j\u016bs\u0173 kreditingumo reitingo.<\/p>\n\n\n\n<p>Kuo geresn\u0117 j\u016bs\u0173 kredito istorija, tuo geresn\u0117s paskolos s\u0105lygos &#8211; taikomos \u017eemesn\u0117s pal\u016bkanos bei BVKKMN. \u017dinoma, taip pat svarbu palyginti ir skolintoj\u0173 s\u0105lygas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Skolintoj_Palyginimas\">Skolintoj\u0173 Palyginimas<\/h3>\n\n\n\n<p>Palyginkime, kiek gali tekti sumok\u0117ti renkantis vien\u0105 ar kit\u0105 paskol\u0105 (vartojimo).<\/p>\n\n\n\n<p>Atminkite, jog Jums suteiktas pasi\u016blymas gali b\u016bti skirtingas &#8211; pateiktos \u012fmokos yra preliminarios bei gali kisti priklausomai nuo kreditingumo.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>S\u0105lygos<\/th><th>FinBee<\/th><th>Fjord Bank<\/th><th>VIVUS<\/th><\/tr><\/thead><tbody><tr><td><strong>Skolintojas<\/strong><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/finbee\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\"><img decoding=\"async\" width=\"130\" height=\"63\" class=\"wp-image-28726\" style=\"width: 130px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/11\/finbee-logo-privatiems.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/11\/finbee-logo-privatiems.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/11\/finbee-logo-privatiems-246x121.png 246w\" sizes=\"(max-width: 130px) 100vw, 130px\" \/><\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/fjord-bank\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\"><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-41063\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/03\/fjordnew.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/fjordnew.png 1352w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/fjordnew-300x92.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/fjordnew-1024x313.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/fjordnew-768x235.png 768w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/vivus\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\"><img decoding=\"async\" width=\"140\" height=\"39\" class=\"wp-image-41504\" style=\"width: 140px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/03\/vivus.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/vivus.png 721w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/vivus-300x84.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/vivus-702x201.png 702w\" sizes=\"(max-width: 140px) 100vw, 140px\" \/><\/a><\/td><\/tr><tr><td><strong>Refinansuojama Suma<\/strong><\/td><td>iki 25 000\u20ac<\/td><td>iki 25 000\u20ac<\/td><td>iki 15 000\u20ac<\/td><\/tr><tr><td><strong>Gr\u0105\u017einimo Terminas<\/strong><\/td><td>iki 84 m\u0117n.<\/td><td>iki 84 m\u0117n.<\/td><td>iki 84 m\u0117n.<\/td><\/tr><tr><td><strong>Pal\u016bkanos<\/strong><\/td><td>nuo 7%*<\/td><td>nuo 2.7%*<\/td><td>nuo 5%*<\/td><\/tr><tr><td><strong>BVKKMN<\/strong><\/td><td>17.76 &#8211; 63.97%<\/td><td>7.4 &#8211; 36%<\/td><td>22.5 \u2013 102.2%<\/td><\/tr><tr><td><strong>Preliminari \u012fmoka<\/strong><br><em><sup>(5000\u20ac, 48 m\u0117n. terminui)<\/sup><\/em><\/td><td><strong>125.71\u20ac<\/strong><\/td><td><strong>135.15\u20ac<\/strong><\/td><td><strong>168\u20ac<\/strong><\/td><\/tr><tr><td><strong>Preliminarios Pal\u016bkanos<\/strong><br><em><sup>(5000\u20ac, 48 m\u0117n. terminui)<\/sup><\/em><\/td><td>10%*<\/td><td>5%*<\/td><td>16%*<\/td><\/tr><tr><td><strong>Viso Gr\u0105\u017einama Suma<\/strong><br><em><sup>(5000\u20ac, 48 m\u0117n. terminui)<\/sup><\/em><\/td><td>6 034\u20ac<\/td><td>6 487\u20ac<\/td><td>8 064\u20ac<\/td><\/tr><tr><td><strong>Skolintojo puslapis<\/strong><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/finbee\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">FinBee<\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/fjord-bank\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">Fjord Bank<\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/vivus\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">VIVUS<\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">*Pal\u016bkanos sudaro tik dal\u012f paskolos kainos<\/figcaption><\/figure>\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=\"BVKKMN_palyginimas\">BVKKMN palyginimas<\/h3>\n\n\n\n<p>Palyginkime platesn\u012f skolintoj\u0173 pasirinkim\u0105 Lietuvoje, bei j\u0173 BVKKMN.<\/p>\n\n\n\n<p>\u017demiau pateikiame \u012fvairi\u0173 Lietuvos skolintoj\u0173 minimali\u0105 taikom\u0105 bendr\u0105 vartojimo kredito kainos metin\u0119 norm\u0105 (2024 informacija).<\/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 = [\"7.4\",\"11.35\",\"12.33\",\"17.76\",\"22.05\",\"27.09\",\"36.56\"];\n\t\t\tvar data_name = [\"Fjord Bank\",\"BigBank\",\"SAVY\",\"Finbee\",\"VIVUS\",\"Credit24\",\"Kredit\\u0173 Centras\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; 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BVKKMN, %',\n\t\t\t\t\t\tnameLocation: 'middle',\n\t\t\t\t\t\tnameGap: '40',\n\t\t\t\t\t\tnameTextStyle: {\n\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisTick: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLabel: {\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tformatter: function (value, index) {\n\t\t\t\t\t\t\t\tvar milvalue = value;\n\t\t\t\t\t\t\t\tif (value > 999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000 + ' k';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000 + ' M';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000 + ' B';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000000 + ' T';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\treturn milvalue;\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\tseries: [{\n\t\t\t\t\t\tdata: data_arr,\n\t\t\t\t\t\ttype: 'bar',\n\t\t\t\t\t\tsymbol: 'circle',\n\t\t\t\t\t\tsymbolSize: '12',\n\t\t\t\t\t\tshowBackground: true,\n\t\t\t\t\t\tbackgroundStyle: {\n\t\t\t\t\t\t\tcolor: 'rgba(220, 220, 220, 0.4)'\n\t\t\t\t\t\t},\n\t\t\t\t\t}]\n\t\t\t\t},\n\t\t\t\tmedia: [\n\t\t\t\t\t{ query: {maxWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '5',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 10,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '15',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\t{ query: {minWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t]\n\t\t\t};\n\n\t\t\tmyChart_echarts.setOption(option);\n\n\t\t\twindow.addEventListener('resize', function(){\n\t\t\t\tsetTimeout(function () {\n\t\t\t\t\tmyChart_echarts.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mok_draudimas___kas_tai\">\u012emok\u0173 draudimas &#8211; kas tai?<\/h2>\n\n\n\n<p>N\u0117ra \u012fmanoma numatyti vis\u0173 gyvenimi\u0161k\u0173 situacij\u0173 &#8211; \u017emogus bet kada gali prarasti darb\u0105, stipriai susirgti, ar prarasti darbingum\u0105.<\/p>\n\n\n\n<p>Tiesa, tokiu atveju tampa sunku padengti paskolos \u012fmokas.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\">\n\n\n\n<p><strong>\u012emok\u0173 draudimas<\/strong> &#8211; paslauga, kuri u\u017etikrina \u017emog\u0173 nuo nenumatyt\u0173 aplinkybi\u0173.<\/p>\n\n\n\n<p>Pasirinkus \u012fmok\u0173 draudim\u0105, draudimo teik\u0117jas \u012fsipareigoja padengti \u017emogaus mokamas \u012fmokas, jei \u0161is prarast\u0173 darb\u0105 ar darbingum\u0105.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><p>Pavyzd\u017eiui, <a href=\"https:\/\/financer.lt\/kompanija\/fjord-bank\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Fjord Bank<\/a> si\u016blo \u012fmok\u0173 draudimo paslaug\u0105 &#8211; draudimas padengs iki 500\u20ac \/ m\u0117n. \u012fmokas i\u0161tisus metus.<\/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=\"Pigi_paskola___kaip_sutaupyti\">Pigi paskola &#8211; kaip sutaupyti?<\/h2>\n\n\n\n<p>Renkantis vartojimo paskol\u0105, yra ypatingai svarbu palyginti \u012fvairius pasi\u016blymus.<\/p>\n\n\n\n<p>Kaip matote lentel\u0117je auk\u0161\u010diau, tokios pa\u010dios sumos ir termino paskolos kaina gali skirtis net keliais t\u016bkstan\u010diais eur\u0173.<\/p>\n\n\n\n<p>\u017demiau pateikiame 4 svarbiausius \u017eingsnius, kurie pad\u0117s pasiskolinti protingai bei sutaupyti \u017eenkli\u0105 pinig\u0173 sum\u0105. Prad\u0117kime!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_vertink_savo_Poreikius\">1. \u012evertink savo Poreikius<\/h3>\n\n\n\n<p>Prie\u0161 lyginant pasi\u016blymus, yra svarbu \u012fvertinti savo poreikius &#8211; nuspr\u0119sti, kokio dyd\u017eio suma reikalinga, bei per kok\u012f termin\u0105 galite j\u0105 i\u0161simok\u0117ti.<\/p>\n\n\n\n<p><strong>Atsakykite sau \u012f \u0161iuos klausimus:<\/strong><\/p>\n\n\n\n<ol>\n<li>Kokia pinig\u0173 suma man i\u0161 tikr\u0173j\u0173 reikalinga?<\/li>\n\n\n\n<li>Kokio dyd\u017eio m\u0117nesio \u012fmokas galiu mok\u0117ti?<\/li>\n<\/ol>\n\n\n\n<p>Yra svarbu, jog nepasiimtum\u0117te didesn\u0117s paskolos, nei reikalinga &#8211; taip veltui mok\u0117site didesnes \u012fmokas bei daugiau i\u0161leisite pal\u016bkanoms.<\/p>\n\n\n\n<p>Raskite aukso viduriuk\u0105 tarp priimtino \u012fmok\u0173 dyd\u017eio ir gr\u0105\u017einimo termino &#8211; pasirink\u0119 trumpesn\u012f termin\u0105, i\u0161 viso paskolai i\u0161leisite ma\u017eiau.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Pateik_Kelet_Paraik\">2. Pateik Kelet\u0105 Parai\u0161k\u0173<\/h3>\n\n\n\n<p>Ie\u0161kant pigiausios paskolos, gali b\u016bti pravartu pateikti kelet\u0105 parai\u0161k\u0173. Mes patariame pateikti parai\u0161k\u0105 bent 3 &#8211; 4 skolintojams.<\/p>\n\n\n\n<p>Parai\u0161kos pateikimas finansi\u0161kai ne\u012fpareigoja, be to, taip gal\u0117site palyginti b\u016btent jums suteikt\u0105 asmenin\u012f pasi\u016blym\u0105, o ne preliminarias s\u0105lygas.<\/p>\n\n\n\n<p>Preliminarios s\u0105lygos da\u017enai smarkiai skiriasi nuo asmeninio pasi\u016blymo &#8211; norint nepermok\u0117ti, yra svarbu rasti b\u016btent asmenin\u012f pigiausi\u0105 pasi\u016blym\u0105.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><h3 id=\"Kaip_pateikti_paraik\">Kaip pateikti parai\u0161k\u0105?<\/h3><li><p><strong>I\u0161sirink skolintoj\u0105.<\/strong> Puslapio vir\u0161uje mes palyginome populiariausius vartojimo paskol\u0173 teik\u0117jus Lietuvoje. Palyginkite s\u0105lygas bei spustelkite &#8220;Pateikti parai\u0161k\u0105&#8221; &#8211; b\u016bsite nukreipti \u012f skolintojo puslap\u012f.<\/p>\n<\/li><li><p><strong>Pasirink paskolos s\u0105lygas.<\/strong> Apsilank\u0119 skolintojo puslapyje, i\u0161sirinkite norim\u0105 paskolos sum\u0105 bei gr\u0105\u017einimo termin\u0105.<\/p>\n<\/li><li><p><strong>Nurodyk savo informacij\u0105.<\/strong> Jums reiks nurodyti savo asmeninius duomenis, bei patvirtinti savo tapatyb\u0119 &#8211; \u0161i informacija liks konfidenciali.<\/p>\n<\/li><li><p><strong>I\u0161si\u0173sk parai\u0161k\u0105.<\/strong> U\u017epild\u0119 vis\u0105 informacij\u0105, i\u0161si\u0173skite parai\u0161k\u0105 &#8211; ji bus i\u0161nagrin\u0117ta, bei su jumis netrukus susisieks skolintojo vadybininkas.<\/p>\n<\/li><\/ol><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Iekok_emos_BVKKMN\">3. Ie\u0161kok \u017demos BVKKMN<\/h3>\n\n\n\n<p>Vien tai, jog skolintojas si\u016blo \u017eemas pal\u016bkanas, dar nerei\u0161kia, jog paskola bus pigi &#8211; norint rasti pigiausi\u0105 paskol\u0105, reikia lyginti BVKKMN.<\/p>\n\n\n\n<p>BVKKMN &#8211; Bendra Vartojimo Kredito Kainos Metin\u0117 Norma. Tai rodiklis, kuris apima ne tik pal\u016bkanas, bet ir kitus mok\u0117tinus mokes\u010dius, kaip sutarties sudarym\u0105 ar administravim\u0105.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>BVKKMN neapima toki\u0173 papildom\u0173 i\u0161laid\u0173, kaip delspinigiai, raginimai, sutarties s\u0105lyg\u0173 keitimas ir pana\u0161iai.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Pasirpink_Kredito_Reitingu\">4. Pasir\u016bpink Kredito Reitingu<\/h3>\n\n\n\n<p>Vienas svarbiausi\u0173 aspekt\u0173, \u012ftakojan\u010di\u0173 paskolos kain\u0105 &#8211; j\u016bs\u0173 kreditingumas. <\/p>\n\n\n\n<p>Jei ankstesnes paskolas gr\u0105\u017einote laiku, j\u016bs\u0173 kreditingumas bus auk\u0161tas, o jei v\u0117lavote &#8211; kredito reitingas bus \u017eemesnis.<\/p>\n\n\n\n<p>Gerindami savo reiting\u0105, didinate savo galimybes gauti paskol\u0105, be to, paskolos gal\u0117s b\u016bti suteiktos geresn\u0117mis s\u0105lygomis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ar_Vartojimo_Paskola_tinka_Jums\">Ar Vartojimo Paskola tinka Jums?<\/h2>\n\n\n\n<p>Apibendrinkime ir aptarkime, ar paskola (vartojimo) yra tas kredito tipas, kurio reikia b\u016btent jums.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vartojimo_paskola_tiks_jei\">Vartojimo paskola tiks, jei:<\/h3>\n\n\n\n<ul>\n<li>Norite pasiskolinti vidutinio dyd\u017eio poreikiams<\/li>\n\n\n\n<li>Paskola reikalinga iki 12 met\u0173 terminui<\/li>\n\n\n\n<li>Esate finansi\u0161kai stabil\u016bs<\/li>\n\n\n\n<li>Jums reikalinga ne didesn\u0117 kaip 30 000 eur\u0173 paskola<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Nesirinkite_jei\">Nesirinkite, jei:<\/h3>\n\n\n\n<ul>\n<li>Turite daug kit\u0173 finansini\u0173 \u012fsipareigojim\u0173<\/li>\n\n\n\n<li>Nesate finansi\u0161kai stabil\u016bs<\/li>\n\n\n\n<li>Norite skolintis ma\u017eomis sumomis<\/li>\n\n\n\n<li>Norite skolintis da\u017enai<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vartojimo paskola &#8211; pasiskolink pigiau Ie\u0161kote jums tinkamos vartojimo paskolos? Esate tinkamoje vietoje &#8211; mes, Financer.com, jums pad\u0117sime rasti pigiausi\u0105\u2026 <\/p>\n","protected":false},"author":100,"featured_media":17482,"parent":1013,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_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":[21],"_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/241"}],"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=241"}],"version-history":[{"count":50,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/241\/revisions"}],"predecessor-version":[{"id":77085,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/241\/revisions\/77085"}],"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\/17482"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/tags?post=241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}