{"id":578,"date":"2017-10-03T18:05:36","date_gmt":"2017-10-03T15:05:36","guid":{"rendered":"https:\/\/financer.lt\/?page_id=578"},"modified":"2024-09-04T16:18:58","modified_gmt":"2024-09-04T13:18:58","slug":"skaiciuokle","status":"publish","type":"page","link":"https:\/\/financer.lt\/asmeniniai-finansai\/skaiciuokle\/","title":{"rendered":"Skai\u010diuokl\u0117"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Financercom_paskol_skaiiuokls\">Financer.com paskol\u0173 skai\u010diuokl\u0117s<\/h2>\n\n\n\n<p>Kad gal\u0117tum\u0117te priimti pagr\u012fstus sprendimus d\u0117l savo pinigin\u0117s, m\u016bs\u0173 puslapyje yra kelios naudingos ir visi\u0161kai nemokamos skai\u010diuokl\u0117s j\u016bs\u0173 paslaugoms.<\/p>\n\n\n\n<p>Financer.com skai\u010diuokles yra labai paprasta naudoti ir j\u0173 pagalba galite rasti tai, ko ie\u0161kote, \u017eymiai grei\u010diau!<\/p>\n\n\n\n<p>\u0160iuo metu Financer.com puslapyje gali b\u016bti naudojami \u0161ie finansiniai skai\u010diuotuvai:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Ms_skaiiuokls\">M\u016bs\u0173 skai\u010diuokl\u0117s:<\/h3><ol>\n<li style=\"text-align: left;\"><a href=\"https:\/\/financer.lt\/skaiciuokle\/paskolos-skaiciuokle\/\">Paskolos skai\u010diuokl\u0117.<\/a><\/li>\n<li style=\"text-align: left;\"><a href=\"https:\/\/financer.lt\/skaiciuokle\/palukanu-skaiciuokle\/\" data-wplink-edit=\"true\">Pal\u016bkan\u0173 skai\u010diuokl\u0117.<\/a><\/li>\n<li style=\"text-align: left;\"><a href=\"https:\/\/financer.lt\/skaiciuokle\/sudetiniu-palukanu-skaiciuokle\/\" data-wplink-edit=\"true\">Sud\u0117tini\u0173 pal\u016bkan\u0173 skai\u010diuokl\u0117.<\/a><\/li>\n<\/ol><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i1_Kas_skaiiuojama_su_paskolos_skaiiuokle\">1. Kas skai\u010diuojama su paskolos skai\u010diuokle?<\/h2>\n\n\n\n<p>Kalbant apie skolinim\u0105si, ne visada yra lengva suprasti, k\u0105 i\u0161 tikr\u0173j\u0173 rei\u0161kia viena ar kita paskolos suma ir procentin\u0117\u00a0pal\u016bkan\u0173 dalis. <\/p>\n\n\n\n<p>Kai pateikiate parai\u0161k\u0105 paskolai gauti, da\u017eniausiai ypatingas d\u0117mesys yra atkreipiamas \u012f kuo \u017eemesn\u012f pal\u016bkan\u0173 procent\u0105. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Palkanos___tik_dalis_bendros_kainos\">Pal\u016bkanos &#8211; tik dalis bendros kainos<\/h3>\n\n\n\n<p>Nors da\u017eniausiai d\u0117mesys yra atkreipiamas tik \u012f pal\u016bkanas, vis d\u0117lto tai yra tik dalis bendros kainos, kuri\u0105 teks sumok\u0117ti u\u017e norim\u0105 paskol\u0105.<\/p>\n\n\n\n<p>Tod\u0117l mes suk\u016br\u0117me labai paprast\u0105 skai\u010diuokl\u0119, skirt\u0105 apskai\u010diuoti bendr\u0105 paskolos kain\u0105.\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">M\u016bs\u0173 \u012ftraukti kriterijai:<\/h4>\n\n\n\n<ul>\n<li>Administraciniai mokes\u010diai.<\/li>\n\n\n\n<li>Registracijos mokestis.<\/li>\n\n\n\n<li>Sutarties sudarymo mokestis.<\/li>\n\n\n\n<li>Kiti galimi mokes\u010diai.<\/li>\n<\/ul>\n\n\n<h3 id=\"Kaip_naudotis_skaiiuokle\">Kaip naudotis skai\u010diuokle?<\/h3><div class=\"howto_desc\"><p>Naudotis viena i\u0161 m\u016bs\u0173 sukurt\u0173 skai\u010diuokli\u0173 yra paprasta &#8211; papras\u010diausiai suveskite reikiamus duomenis, o skai\u010diuokl\u0117 jums pateiks rezultatus.<\/p>\n<p>Aptarkime pagrindinius \u017eingsnius, pad\u0117sian\u010dius i\u0161bandyti skai\u010diuokl\u0119 jau dabar.<\/p><\/div><h4>\u017dingsniai<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Pasirinkite laikotarp\u012f<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Pasirinkite pal\u016bkan\u0173 norm\u0105<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. \u012eveskite sum\u0105 bei mok\u0117jimo b\u016bd\u0105<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Gaukite rezultatus<\/a><\/div><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=\"Pasirinkite-laikotarpi\">Pasirinkite laikotarp\u012f<\/h3><p>\u012eveskite termin\u0105, per kur\u012f planuojate gr\u0105\u017einti paskol\u0105.<\/p>\n<p>Rinkit\u0117s atsargiai &#8211; \u0161is rodiklis daro itin didel\u0119 \u012ftak\u0105 bendrai paskolos kainai, tad nesiskolinkite ilgesniam terminui, nei reikia.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">2 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pasirinkite-palukanu-norma\">Pasirinkite pal\u016bkan\u0173 norm\u0105<\/h3><p>Kitas \u017eingsnis &#8211; \u012fvesti pal\u016bkan\u0173 norm\u0105.<\/p>\n<p>J\u0105 galite su\u017einoti dominan\u010dio kreditoriaus puslapyje.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">3 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Iveskite-suma-bei-mokejimo-buda\">\u012eveskite sum\u0105 bei mok\u0117jimo b\u016bd\u0105<\/h3><p>Galiausiai, \u012fveskite, kokio dyd\u017eio paskol\u0105 planuojate rinktis.<\/p>\n<p>Taip pat \u012fveskite ir gr\u0105\u017einimo b\u016bd\u0105 &#8211; linijin\u012f arba anuitet\u0105. Tai itin svarbu asmenims, besirenkantiems b\u016bsto paskol\u0105.<\/p>\n<p><a href=\"https:\/\/financer.lt\/wiki\/anuitetas-ar-linijinis-paskolos-mokejimo-budas\/\">Su\u017einokite daugiau apie gr\u0105\u017einimo b\u016bdus.<\/a><\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                <div class=\"single-article__conclusion-tag\" id=\"step_4\">I\u0161vada<\/div>\n                <div class=\"single-article__conclusion-item\">\n                    <div class=\"single-article__conclusion-content\">\n                                                    <h3>Gaukite rezultatus<\/h3>\n                                                <p>Rezultate pamatysite lentel\u0119 su apytiksliais m\u0117nesiniais mok\u0117jimais ir paskol\u0173 liku\u010diais.<\/p>\n<p>Tai suteiks jums vaizd\u017eios informacijos apie tai, kiek i\u0161 viso kainuoja paskola ir kaip atrodys jos gr\u0105\u017einimas.<\/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\/skaiciuokle\/paskolos-skaiciuokle\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Paskolos skai\u010diuokl\u0117 &#8211; \u010dia!<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i2_Kaip_veikia_palkan_skaiiuokl\">2. Kaip veikia pal\u016bkan\u0173 skai\u010diuokl\u0117?<\/h2>\n\n\n\n<p>Tarkime, kad norite skolintis 2 000 eur\u0173, o metin\u0117 pal\u016bkan\u0173 norma yra 28%. Ar \u012fsivaizduojate, kiek jums kainuot\u0173 pal\u016bkanos \u0161iai sumai? I\u0161bandykite!<\/p>\n\n\n\n<p>M\u016bs\u0173 pal\u016bkan\u0173 skai\u010diuokl\u0117 tiksliai parodo, kiek j\u016bs mok\u0117site u\u017e pal\u016bkanas kiekvien\u0105 m\u0117nes\u012f ir kasmet. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Kodl_reikia_skaiiuoti_palkanas\">Kod\u0117l reikia skai\u010diuoti pal\u016bkanas?<\/h3>\n\n\n\n<p>Pal\u016bkan\u0173 skai\u010diavimas yra itin svarbus tiems, kurie nori planuoti savo biud\u017eet\u0105 bei \u012fvertinti, kiek gali tekti sumok\u0117ti u\u017e suteikt\u0105 paskol\u0105.<\/p>\n\n\n\n<p>Kadangi sumokamos pal\u016bkanos tiesiogiai priklauso nuo termino, per kur\u012f gr\u0105\u017einsite paskol\u0105, \u0161i skai\u010diuokl\u0117 yra puikus b\u016bdas \u012fvertinti, koks gr\u0105\u017einimo terminas &#8211; optimaliausias Jums.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Pasidomkite_palkan_kaina\">Pasidom\u0117kite pal\u016bkan\u0173 kaina<\/h3><p>Prie\u0161 imdami bet koki\u0105 paskol\u0105, b\u016btinai paskai\u010diuokite kiek ji jums kainuos kiekvien\u0105 m\u0117nes\u012f ir per metus.<\/p>\n<p>Taip gal\u0117site paskai\u010diuoti realias i\u0161laidas pal\u016bkanoms ir planuoti savo biud\u017eet\u0105 efektyviai. Skolinkit\u0117s atsakingai!<\/p><\/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\/skaiciuokle\/palukanu-skaiciuokle\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >I\u0161bandykite pal\u016bkan\u0173 skai\u010diuokl\u0119<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i3_Sklandus_sudtini_palkan_apskaiiavimas\">3. Sklandus sud\u0117tini\u0173 pal\u016bkan\u0173 apskai\u010diavimas<\/h2>\n\n\n\n<p>Galb\u016bt jus domina galimyb\u0117 &#8220;auginti&#8221; pinigus? \u0160iuo atveju j\u016bs tikrai suprantate sud\u0117tini\u0173 pal\u016bkan\u0173 s\u0105vok\u0105. <\/p>\n\n\n\n<p> Kaip jau rodo pats pavadinimas, sud\u0117tin\u0117s pal\u016bkanos skai\u010diuojamos ne tik nuo pradin\u0117s sumos, bet ir nuo pal\u016bkan\u0173 pal\u016bkan\u0173. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Sudtins_palkanos___norintiems_udirbti\">Sud\u0117tin\u0117s pal\u016bkanos &#8211; norintiems u\u017edirbti<\/h3>\n\n\n\n<p>\u0160i skai\u010diuokl\u0117 &#8211; puikus \u012frankis investuotojams bei visiems, norintiems u\u017edirbti pasyvi\u0173 pajam\u0173.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Ms_rankio_galimybs\">M\u016bs\u0173 \u012frankio galimyb\u0117s<\/h3><li><p>Su\u017einosite, kiek tiksliai l\u0117\u0161\u0173 sukaupsite investicijos (ind\u0117lio) termino pabaigoje.<\/p>\n<\/li><li><p>Gal\u0117site lengviau planuoti savo investicijas.<\/p>\n<\/li><li><p>Nesud\u0117tingai palyginsite sud\u0117tini\u0173 pal\u016bkan\u0173 investicines galimybes su paprast\u0173 pal\u016bkan\u0173 investicin\u0117mis galimyb\u0117mis.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Kaip_naudotis_sudtini__skaiiuokle\">Kaip naudotis sud\u0117tini\u0173 % skai\u010diuokle?<\/h3>\n\n\n\n<p>Pad\u0117kite tu\u0161inuk\u0105 ir popieriaus lap\u0105 \u012f \u0161al\u012f &#8211; geriau pasinaudokote m\u016bs\u0173 sud\u0117tini\u0173 pal\u016bkan\u0173 skai\u010diuokle. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">I\u0161bandykite skai\u010diuokl\u0119:<\/h4>\n\n\n\n<ul>\n<li><strong>Pasirinkite ind\u0117lio sum\u0105, <\/strong><\/li>\n\n\n\n<li><strong>Ind\u0117li\u0173 pal\u016bkan\u0173 norm\u0105, <\/strong><\/li>\n\n\n\n<li><strong>Laikotarp\u012f,<\/strong><\/li>\n\n\n\n<li><strong>Kitus dominan\u010dius duomenis. <\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Rezultatai &#8211; akimirksniu<\/h4>\n\n\n\n<p>Pasirinkus reikiamus duomenis, skai\u010diuotuvas parodys, kiek pinig\u0173 sukaupsite ind\u0117lio laikotarpio pabaigoje!<\/p>\n\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\/skaiciuokle\/sudetiniu-palukanu-skaiciuokle\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >I\u0161bandykite sud\u0117tini\u0173 pal\u016bkan\u0173 skai\u010diuokl\u0119<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Pabaigai\">Pabaigai<\/h2>\n\n\n\n<p>Kai kit\u0105 kart\u0105 nor\u0117site su\u017einoti, kiek teori\u0161kai (ir prakti\u0161kai!) kainuot\u0173 j\u016bs\u0173 paskola, pasinaudokite m\u016bs\u0173 patogiomis skai\u010diuokl\u0117mis ir gaukite vis\u0105 reikiam\u0105 informacij\u0105 akimirksniu!<\/p>\n\n\n\n<p>Skai\u010diuokl\u0119 taip pat gali naudoti ir investuotojai, norintys planuoti savo peln\u0105. S\u0117km\u0117s!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financer.com paskol\u0173 skai\u010diuokl\u0117s Kad gal\u0117tum\u0117te priimti pagr\u012fstus sprendimus d\u0117l savo pinigin\u0117s, m\u016bs\u0173 puslapyje yra kelios naudingos ir visi\u0161kai nemokamos skai\u010diuokl\u0117s\u2026 <\/p>\n","protected":false},"author":100,"featured_media":30228,"parent":686,"menu_order":0,"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":[41],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/578"}],"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=578"}],"version-history":[{"count":51,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/578\/revisions"}],"predecessor-version":[{"id":42406,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/578\/revisions\/42406"}],"up":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/686"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media\/30228"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=578"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=578"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/tags?post=578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}