{"id":76593,"date":"2024-03-27T09:07:00","date_gmt":"2024-03-27T07:07:00","guid":{"rendered":"https:\/\/financer.lt\/?post_type=wiki&#038;p=76593"},"modified":"2024-09-04T16:45:45","modified_gmt":"2024-09-04T13:45:45","slug":"paskola-ukininkams","status":"publish","type":"wiki","link":"https:\/\/financer.lt\/paskolos\/straipsniai\/paskola-ukininkams\/","title":{"rendered":"Paskola \u016akininkams"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Paskola_kininkams___rask_pigiausi\">Paskola \u016akininkams &#8211; rask pigiausi\u0105<\/h2>\n\n\n\n<p>Paskola \u017eem\u0117s \u016bkiui &#8211; svarbus finansinis \u012frankis, kuris yra itin svarbus tiek jauniesiems \u016bkininkams, tiek pl\u0117trai pasirengusiems \u017eemdirbiams.<\/p>\n\n\n\n<p>Tiesa, skolintis \u017eem\u0117s \u016bkiui reikia atsargiai &#8211; skolindamiesi protingai, <strong>galite sutaupyti ne vien\u0105 t\u016bkstant\u012f eur\u0173<\/strong> pal\u016bkan\u0173 bei kit\u0173 mokes\u010di\u0173.<\/p>\n\n\n\n<p>\u0160iame puslapyje mes i\u0161samiai aptarsime kreditus \u017eem\u0117s \u016bkiui &#8211; kaip (ir kur) skolintis, kokios s\u0105lygos, bei kokiais tikslais galima pasiskolinti.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>M\u016bs\u0173 straipsnis apie paskolas \u016bkininkams yra informacinio pob\u016bd\u017eio, bei n\u0117ra finansinis patarimas.<\/p>\n<p>Paskola &#8211; rimtas finansinis \u012fsipareigojimas. B\u016btinai \u012fvertinkite visas paskolos s\u0105lygas bei savo galimybes gr\u0105\u017einti.<\/p><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kreditas_kiui___svarbus\">Kreditas \u016akiui &#8211; svarbus<\/h2>\n\n\n\n<p>Kreditas \u017eem\u0117s \u016bkiui &#8211; itin svarbus \u012frankis kiekvienam \u0161iuolaikiniam \u016bkininkui. <\/p>\n\n\n\n<p>\u017dem\u0117s \u016bkio technika yra itin brangi &#8211; k\u0105 jau kalb\u0117ti apie reikaling\u0105 \u017eem\u0119, tr\u0105\u0161as, kur\u0105, technikos remont\u0105 bei kitas da\u017enas i\u0161laidas. <\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><p>Tinkama paskola \u016bkininkams suteikia galimyb\u0119 skland\u017eiau vykdyti savo \u017d.\u016a. veikl\u0105, o tuo pa\u010diu &#8211; ir padidinti i\u0161 \u016bkio gaunamas pajamas.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Kam_tinkama_paskola\">Kam tinkama paskola?<\/h3>\n\n\n\n<p>\u017dem\u0117s \u016bkio kreditas tiks visiems poreikiams &#8211; nuo palyginti nedidel\u0117s paskolos tr\u0105\u0161oms, iki naujo kombaino finansavimo.<\/p>\n\n\n\n<p>Paskolos \u016bkininkams b\u016bna \u012fvairios, priklausomai nuo poreiki\u0173 &#8211; gali b\u016bti suteiktos tiek trumpalaik\u0117s, tiek ilgalaik\u0117s (iki 25 met\u0173) paskolos, o suma gali siekti ir 700 000\u20ac.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Paskola \u016bkininkams tiks:<\/h4>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Apyvartinio kapitalo palaikymui:<\/strong><\/p>\n<p>\u012erangos remontui, sezoniniams darbuotojams, tr\u0105\u0161oms, kurui ir t.t.<\/p>\n<\/li><li><p><strong>\u017dem\u0117s sklypui:<\/strong><\/p>\n<p>\u017dem\u0117s sklypui (-ams) \u012fsigyti ar i\u0161sinuomoti, pagal poreik\u012f.<\/p>\n<\/li><li><p><strong>Didesn\u0117ms investicijoms:<\/strong><\/p>\n<p>Traktoriui, kombainui, patalpoms, padargams ir taip toliau.<\/p>\n<\/li><\/ul><\/div>\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=\"Kas_gali_gauti_kredit_kininkams\">Kas gali gauti kredit\u0105 \u016bkininkams?<\/h2>\n\n\n\n<p>Paskolos \u017eem\u0117s \u016bkiui suteikiamos tiek smulkiesiems, tiek stambiems \u016bkininkams. Be to, paskol\u0105 gauti ne tik jau \u012fsitvirtin\u0119, bet ir veikl\u0105 pradedantys \u017eemdirbiai.<\/p>\n\n\n\n<p>Paskolos \u016bkininkams pasi\u017eymi didel\u0117mis sumomis, ilgesniais galimais gr\u0105\u017einimo terminais, o taip pat &#8211; ir s\u0105lyginai \u017eemomis pal\u016bkanomis.<\/p>\n\n\n\n<p>Atitinkamai, taikomi grie\u017etesni reikalavimai, norint gauti paskol\u0105 \u017eem\u0117s \u016bkiui. Svarbiausia &#8211; mokumas, \u012fsiskolinim\u0173 netur\u0117jimas bei tvarkinga finansin\u0117 atskaitomyb\u0117.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Paskola_suteikiama_kininkams_kurie\">Paskola suteikiama \u016bkininkams, kurie:<\/h3><li><p>Veikl\u0105 vykdo bent 6 &#8211; 36 m\u0117nesius<\/p>\n<\/li><li><p>Neturi pradelst\u0173 \u012fsiskolinim\u0173<\/p>\n<\/li><li><p>Yra mok\u016bs &#8211; t.y. veikia pelningai<\/p>\n<\/li><li><p>Turi pakankamai ger\u0105 kredito istorij\u0105<\/p>\n<\/li><li><p>Turi turto paskolos u\u017etirkinimui (jei reikalinga)<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Reikalingi_Dokumentai\">Reikalingi Dokumentai<\/h3>\n\n\n\n<p>Norint gauti paskol\u0105 \u017eem\u0117s \u016bkiui, gali prireikti ir \u012fvairi\u0173 papildom\u0173 dokument\u0173, kuriuos aptarsime \u017eemiau.<\/p>\n\n\n\n<p>Konkret\u016bs reikalingi dokumentai priklauso nuo paskolos dyd\u017eio bei tipo (pvz. ar \u012fkei\u010diamas turtas), o taip pat &#8211; ir nuo pasirinkto skolintojo.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Svarbiausi dokumentai:<\/h4>\n\n\n\n<ol>\n<li>\u016akio registracijos pa\u017eym\u0117jimas<\/li>\n\n\n\n<li>\u016akininko pa\u017eym\u0117jimas<\/li>\n\n\n\n<li>Asmens tapatyb\u0117s dokumentas<\/li>\n\n\n\n<li>Finansin\u0117s atskaitomyb\u0117s dokumentai<\/li>\n\n\n\n<li>\u017dalioji knyga (jei pildoma)<\/li>\n\n\n\n<li>L\u0117\u0161\u0173 panaudojimo apra\u0161as ir\/ar verslo planas, s\u0105mata<\/li>\n\n\n\n<li>Turto vertinimo ataskaita (jei \u012fkei\u010diamas turtas)<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kreditas_ems_kiui___kur_skolintis\">Kreditas \u017dem\u0117s \u016akiui &#8211; kur skolintis?<\/h2>\n\n\n\n<p>Skolinantis \u017eem\u0117s \u016bkiui, pasirinkimas yra platus &#8211; reikiam\u0105 paskol\u0105 galima gauti tiek i\u0161 bank\u0173, tiek i\u0161 kredito unij\u0173, tiek i\u0161 paskol\u0173 bendrovi\u0173.<\/p>\n\n\n\n<p>Svarbu ne tik palyginti skolintoj\u0173 s\u0105lygas, bet ir pasidom\u0117ti galimomis kompensacijomis, dotacijomis bei kita parama.<\/p>\n\n\n\n<p>Aptarkime, kur paskolos \u016bkininkams yra suteikiamos geriausiomis s\u0105lygomis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Lengvatins_Paskolos_kininkams_INVEGA\">Lengvatin\u0117s Paskolos \u016akininkams (INVEGA)<\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"442\" height=\"114\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/03\/image-6.png\" alt=\"\" class=\"wp-image-76578\" style=\"width:250px\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/image-6.png 442w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/image-6-300x77.png 300w\" sizes=\"(max-width: 442px) 100vw, 442px\" \/><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\">\n\n\n\n<p>Pirmas \u017eingsnis prireikus pasiskolinti &#8211; patikrinkite, ar j\u016bs negalite pretenduoti \u012f \u012fvairias lengvatines finansines priemones.<\/p>\n\n\n\n<p>LR \u017dem\u0117s \u016akio Ministerija reguliariai planuoja \u012fvairius projektus, skirtus pad\u0117ti \u016bkininkavimu u\u017esiimantiems asmenims &#8211; ar tai b\u016bt\u0173 parama jaun\u0105jam \u016bkininkui, ar parama per\u0117jimui prie ekologi\u0161ko \u016bkininkavimo.<\/p>\n\n\n\n<p><strong>Su\u017einokite daugiau apie INVEGA priemones <a href=\"https:\/\/www.invega.lt\/zemes-ukiui-ir-zuvininkystei\/27\" target=\"_blank\" rel=\"noreferrer noopener\">\u010dia\u2192<\/a><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Kokia pagalba suteikiama?<\/h4>\n\n\n\n<p>Finansines priemones suteikia ,,Investicij\u0173 ir verslo garantijos&#8221; (INVEGA), per patvirtintus tarpininkus (pvz. bank\u0105). <\/p>\n\n\n\n<p>Pagalb\u0105 \u017eem\u0117s \u016bkiui galima skirstyti \u012f <strong>Paskolas<\/strong>, <strong>Garantijas<\/strong>, bei <strong>Kompensacijas<\/strong>. \u017demiau trumpai paai\u0161kinsime kiekvien\u0105 priemon\u0119.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Paskolos:<\/strong><\/p>\n<p>Kreditai lengvatin\u0117mis s\u0105lygomis &#8211; didesnei nei 75% paskolos daliai taikomos 0% pal\u016bkanos. Paskol\u0173 suma &#8211; iki 200 t\u016bkst. eur\u0173.<\/p>\n<\/li><li><p><strong>Garantijos:<\/strong><\/p>\n<p>Sprendimas, kai turtas netinkamas\/nepakankamas u\u017etikrinimui. INVEGA pasir\u016bpina u\u017estatu &#8211; skolintojui garantuoja iki 80% gr\u0105\u017einim\u0105.<\/p>\n<\/li><li><p><strong>Kompensacijos:<\/strong><\/p>\n<p>Kompensuojamos sumok\u0117tos pal\u016bkanos. Kompensuojama iki 80% sumok\u0117t\u0173 pal\u016bkan\u0173 u\u017e iki 36 m\u0117n. termin\u0105.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h4 class=\"wp-block-heading\">Paskoloms &#8211; reikalinga pa\u017eyma<\/h4>\n\n\n\n<p>Nor\u0117dami gauti lengvatin\u0119 paskol\u0105, i\u0161 prad\u017ei\u0173 privalote pasir\u016bpinti NMA pa\u017eyma.<\/p>\n\n\n\n<p>Gav\u0119 patvirtint\u0105 pa\u017eym\u0105, gal\u0117site per 6 m\u0117nesius kreiptis \u012f vien\u0105 i\u0161 INVEGA finansini\u0173 tarpinink\u0173, bei gauti lengvatin\u0119 paskol\u0105.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">NMA parai\u0161kos vertinimas<\/h5>\n\n\n\n<p>NMA (Nacionalin\u0117 Mok\u0117jimo Agent\u016bra) \u012fvertins j\u016bs\u0173 parai\u0161k\u0105, skirdama balus u\u017e \u012fvairius aspektus. Norint gauti param\u0105, privaloma surinkti bent 25 atrankos balus.<\/p>\n\n\n\n<p>\u017demiau pateikiame kelet\u0105 vertinimo kriterij\u0173 bei suteikiam\u0173 bal\u0173. Kriterijai gali skirtis, priklausomai nuo finansin\u0117s priemon\u0117s &#8211; \u017eemiau pateikiami tik pavyzd\u017eiai.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Parai\u0161kos Aspektas<\/th><th>Suteikiama Bal\u0173<\/th><\/tr><\/thead><tbody><tr><td><strong>Parai\u0161kos teik\u0117jui &#8211; iki 40 met\u0173<\/strong><\/td><td>10 bal\u0173<\/td><\/tr><tr><td><strong>Narys kooperatyve<br><\/strong><sup>vir\u0161 2 met\u0173<\/sup><\/td><td>15 bal\u0173<\/td><\/tr><tr><td><strong>Narys kooperatyve<br><\/strong><sup>iki 2 met\u0173<\/sup><\/td><td>10 bal\u0173<\/td><\/tr><tr><td><strong>Vietov\u0117je yra kli\u016b\u010di\u0173<\/strong><\/td><td>10 bal\u0173<\/td><\/tr><tr><td><strong>VED iki 4999\u20ac<\/strong><\/td><td>20 bal\u0173<\/td><\/tr><tr><td><strong>VED iki 5999\u20ac<\/strong><\/td><td>15 bal\u0173<\/td><\/tr><tr><td><strong>VED iki 6999\u20ac<\/strong><\/td><td>10 bal\u0173<\/td><\/tr><tr><td><strong>VED iki 7999\u20ac<\/strong><\/td><td>5 balai<\/td><\/tr><tr><td><strong>Kuriamas specializuotas \u016bkis<\/strong><\/td><td>15 bal\u0173<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Tik dalis aspekt\u0173 &#8211; balai suteikiami ir u\u017e kitus rodiklius<\/figcaption><\/figure>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/nma.lrv.lt\/lt\/\" class=\"button  is-rounded is-primary is-large\" target=\"_blank\"  >Viskas apie param\u0105: NMA puslapis\u2192<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Kredito_Unijos\">Kredito Unijos<\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"454\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/03\/image-7-1024x454.png\" alt=\"\" class=\"wp-image-76634\" style=\"width:300px\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/image-7-1024x454.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/image-7-300x133.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/image-7-768x341.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/image-7-1536x682.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/image-7.png 1602w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>Kredito unijos &#8211; vienas da\u017eniausi\u0173 pasirinkim\u0173, kai prireikia paskolos \u017eem\u0117s \u016bkiui.<\/p>\n\n\n\n<p>LKU kredito unij\u0173 grup\u0117\u00a0vienija 45 Lietuvoje veikian\u010dias kredito unijas, bei suteikia plataus spektro paslaugas &#8211; ne tik kreditus \u017eemdirbystei, bet ir mok\u0117jimo korteles ir kt.<\/p>\n\n\n\n<p>Svarbu pamin\u0117ti, jog kredito unijos (LKU nar\u0117s) teikia paskolas ir \u016bkininkams, vykdantiems Europos S\u0105jungos ar INVEGA (buvusio \u017eem\u0117s \u016bkio paskol\u0173 garantij\u0173 fondo) projektus.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">LKU teikiamos paskolos<\/h4>\n\n\n\n<p>Prisijung\u0119 prie vienos i\u0161 kredito unij\u0173, gal\u0117site gauti \u0161ias paslaugas: <\/p>\n\n\n\n<ol>\n<li>Kredito Linija<\/li>\n\n\n\n<li>Apyvartinis Kreditas<\/li>\n\n\n\n<li>Verslo Investicijai (\u017eemei, \u017e.\u016b. technikai, patalpoms pirkti)<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>Kredito Linija<\/th><th>Apyvartai<\/th><th>Investicijai<\/th><\/tr><\/thead><tbody><tr><td><strong>Terminas<\/strong><\/td><td>iki 5 met\u0173<\/td><td>iki 3 met\u0173<\/td><td>iki 10 met\u0173<br><sup>I\u0161imtiniais atvejais: iki 20 met\u0173<\/sup><\/td><\/tr><tr><td><strong>Suma<\/strong><\/td><td>Individualiai<\/td><td>Individualiai<\/td><td>iki 500 000\u20ac<\/td><\/tr><tr><td><strong>\u012ekeitimas<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-71220\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/01\/cons.png\" alt=\"\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-71220\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/01\/cons.png\" alt=\"\"><\/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>Pal\u016bkanos<\/strong><\/td><td>nuo 5%<\/td><td>nuo 5%<\/td><td>nuo 2.9%*<\/td><\/tr><tr><td><strong>Sudarymo Mokestis<\/strong><\/td><td>1%<\/td><td>1%<\/td><td>1%<\/td><\/tr><tr><td><strong>BVKKMN<\/strong><\/td><td>nuo 8%<\/td><td>nuo 7%<\/td><td>nuo 5%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">*KU mar\u017ea + EURIBOR<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Paskola \u016akininkams &#8211; kaip gauti i\u0161 LKU?<\/h4>\n\n\n\n<p>Gauti paskol\u0105 \u017eem\u0117s \u016bkiui i\u0161 kredito unijos yra pakankamai nesud\u0117tinga, ta\u010diau jums reik\u0117s papildom\u0173 dokument\u0173.<\/p>\n\n\n\n<p>\u017demiau pateikiame pagrindinius \u017eingsnius, kaip galite gauti reikiam\u0105 kredit\u0105 &#8211; nesvarbu, ar reikalinga kredito linija, ar finansavimas naujai \u017e.\u016b. technikai.<\/p>\n\n\n<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=\"Apsilankyk-LKU-svetaineje\">Apsilankyk LKU svetain\u0117je<\/h3><p>Pirmas \u017eingsnis &#8211; apsilankyti LKU svetain\u0117je (www.lku.lt) bei u\u017epildyti kredito \u017eem\u0117s \u016bkiui parai\u0161k\u0105.<\/p>\n<p>Pildant parai\u0161k\u0105, reiks nurodyti tokius duomenis, kaip \u012fmon\u0117s pavadinimas (\u016bkio pavadinimas), \u016bkio kodas, miestas, vardas bei pavard\u0117, telefono numeris, o taip pat &#8211; ir el. pa\u0161tas.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">2 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Gauk-informacija-bei-suteik-dokumentus\">Gauk informacij\u0105 bei suteik dokumentus<\/h3><p>Pateikus parai\u0161k\u0105, netrukus su jumis susisieks atitinkamos kredito unijos darbuotojas d\u0117l reikaling\u0173 dokument\u0173. Be to, i\u0161kart gal\u0117site gauti ir papildomos informacijos apie s\u0105lygas.<\/p>\n<p>Pagrindiniai reikalingi dokumentai:<\/p>\n<ul>\n<li>\u016akininko \u016bkio registracijos pa\u017eym\u0117jimas<\/li>\n<li>\u016akininko pa\u017eym\u0117jimas<\/li>\n<li>\u016akininko asmens tapatyb\u0117s kortel\u0117<\/li>\n<li>\u017dalioji knyga arba finansin\u0117s atskaitomyb\u0117s dokumentai<\/li>\n<li>Verslo planas arba veiklos apra\u0161as<\/li>\n<\/ul><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">3 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Gauk-kredito-pasiulyma\">Gauk kredito pasi\u016blym\u0105<\/h3><p>Gavusi visus reikiamus dokumentus, Kredito Unija \u012fvertins j\u016bs\u0173 finansines galimybes paskolai gauti.<\/p>\n<p>Pri\u0117mus teigiam\u0105 sprendim\u0105, jums bus suteiktas asmeninis paskolos pasi\u016blymas. Neskub\u0117dami \u012fvertinkite visas sutarties s\u0105lygas &#8211; ne tik pal\u016bkanas, bet ir taikomus papildomus mokes\u010dius.<\/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>Pasira\u0161yk sutart\u012f<\/h3>\n                                                <p>Jei paskolos s\u0105lygos jums tinka, galite pasira\u0161yti kredito \u017eem\u0117s \u016bkiui sutart\u012f. Pasira\u0161ius sutart\u012f, tampate finansi\u0161kai \u012fsipareigoj\u0119 &#8211; \u012fvertinkite savo galimybes gr\u0105\u017einti paskol\u0105.<\/p>\n<p>Pasira\u0161ius paskolos sutart\u012f, numatyta paskolos suma bus pervesta netrukus, sutartyje numatytais terminais. S\u0117km\u0117s!<\/p>                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\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=\"Bankai\">Bankai<\/h3>\n\n\n\n<p>Prireikus pasiskolinti \u017eem\u0117s \u016bkiui, taip pat galite rinktis ir \u012fvairi\u0173 Lietuvos bank\u0173 si\u016blom\u0105 finansavim\u0105 \u017eemdirbiams.<\/p>\n\n\n\n<p>Dalis bank\u0173 taip pat dirba su INVEGA, ta\u010diau yra svarbu pasidom\u0117ti pa\u010di\u0173 bank\u0173 taikomomis skirtingomis s\u0105lygomis.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Nors INVEGA gali kompensuoti dal\u012f pal\u016bkan\u0173, ta\u010diau svarbu atsi\u017evelgti ir \u012f kitus, nekompensuojamus mokes\u010dius &#8211; \u0161ie gali \u017eenkliai skirtis.<\/p>\n<p>Pavyzd\u017eiui &#8211; sutarties sudarymo, dokument\u0173 analiz\u0117s, \u012fsipareigojimo mokes\u010diai.<\/p><\/div>\n\n\n<h4 class=\"wp-block-heading\">Bank\u0173 S\u0105lygos \u016akininkams &#8211; palyginimas (2024)<\/h4>\n\n\n\n<p>Trumpai aptarkime pagrindines s\u0105lygas, kurias taiko \u012fvair\u016bs Lietuvos bankai.<\/p>\n\n\n\n<p>\u017demiau rasite svarbiausi\u0173 mokes\u010di\u0173 palyginim\u0105, suteikiamas sumas, galimus gr\u0105\u017einimo terminus ir kitus svarbius aspektus.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th>SB<\/th><th>SEB<\/th><th>LUMINOR<\/th><\/tr><\/thead><tbody><tr><td><\/td><td><img decoding=\"async\" width=\"150\" height=\"46\" class=\"wp-image-76685\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/03\/siauliubankas.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/siauliubankas.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/siauliubankas-300x92.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2024\/03\/siauliubankas-702x220.png 702w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/td><td><img decoding=\"async\" width=\"120\" height=\"53\" class=\"wp-image-76686\" style=\"width: 120px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/03\/seb-e1711456846255.jpg\" alt=\"\"><\/td><td><img decoding=\"async\" width=\"150\" height=\"37\" class=\"wp-image-76687\" style=\"width: 150px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/03\/luminor-e1711456876713.png\" alt=\"\"><\/td><\/tr><tr><td><strong>Minimali Suma<\/strong><\/td><td>&#8211;<\/td><td>3 000\u20ac<\/td><td>8 000\u20ac<\/td><\/tr><tr><td><strong>Maksimali Suma<\/strong><\/td><td>individualiai<\/td><td>individualiai<\/td><td>individualiai<\/td><\/tr><tr><td><strong>Terminas<\/strong><\/td><td>iki 15 met\u0173<\/td><td>iki 20 met\u0173<\/td><td>iki 25 met\u0173<\/td><\/tr><tr><td><strong>Pal\u016bkanos<\/strong><\/td><td>nuo 6%<br>+EURIBOR<\/td><td>nuo 1.95%<br>+EURIBOR<\/td><td>nenurodyta<\/td><\/tr><tr><td><strong>Administravimas<\/strong><\/td><td>nuo 0.7%<br><sup>min. 200\u20ac<\/sup><\/td><td>nuo 0.6%<br><sup>min. 500\u20ac<\/sup><\/td><td>1%<br><sup>min. 150\u20ac<\/sup><\/td><\/tr><tr><td><strong>Dokument\u0173 Analiz\u0117<\/strong><\/td><td>50% administravimo<\/td><td>50% administravimo<\/td><td>nenurodyta<\/td><\/tr><tr><td><strong>\u012esipareigojimo Mokestis<\/strong><\/td><td>0.5% \/ metai<\/td><td>0.7% \/ metai<\/td><td>nenurodyta<\/td><\/tr><tr><td><strong>I\u0161ankstinis Gr\u0105\u017einimas<\/strong><\/td><td>2%<\/td><td>ne\u017einoma<\/td><td>1.5%<\/td><\/tr><tr><td><strong>INVEGA partneris<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-71220\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2024\/01\/cons.png\" alt=\"\"><\/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><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>M\u016bs\u0173 ap\u017evalga<\/strong><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/ab-siauliu-bankas\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0160iauli\u0173 Bankas<\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/ab-seb-bankas\/\" target=\"_blank\" rel=\"noreferrer noopener\">SEB<\/a><\/td><td>&#8211;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kaip_pasiskolinti_protingai\">Kaip pasiskolinti protingai?<\/h2>\n\n\n\n<p>\u017dem\u0117s \u016bkio paskol\u0173 pasi\u016bla Lietuvoje yra gan\u0117tinai didel\u0117, tad yra svarbu skolintis protingai &#8211; kainos skirtumas gali siekti t\u016bkstan\u010dius eur\u0173.<\/p>\n\n\n\n<p>\u017demiau patariame kelet\u0105 patarim\u0173, kurie pad\u0117s sutaupyti paskolai.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Ms_patarimai\">M\u016bs\u0173 patarimai<\/h3><li><p><strong>Pasinaudok lengvatomis \/ kompensacijomis<\/strong><\/p>\n<p>Prie\u0161 skolindamiesi, b\u016btinai pasidom\u0117kite galimyb\u0117mis gauti INVEGA finansines priemones &#8211; lengvatin\u0117 paskola bus \u017eymiai pigesn\u0117, nei rinkos kaina.<\/p>\n<\/li><li><p><strong>Su\u017einok preliminarias pal\u016bkanas<\/strong><\/p>\n<p>Prie\u0161 pateikdami dokumentus analizei, su\u017einokite preliminarius \u012fkainius &#8211; taip palyginsite s\u0105lygas tarp skirting\u0173 skolintoj\u0173, be analiz\u0117s mokes\u010dio.<\/p>\n<\/li><li><p><strong>Pasidom\u0117k papildomais mokes\u010diais<\/strong><\/p>\n<p>\u012evertinkite papildomus mokes\u010dius, kaip sutarties sudarymo mokest\u012f. Skirtumas tarp 1% ir 2% mokes\u010dio gali sudaryti ir 5000\u20ac skirtum\u0105!<\/p>\n<\/li><\/ul><\/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=\"Danai_Uduodami_Klausimai\">Da\u017enai U\u017eduodami Klausimai<\/h2>\n\n\n\n<p>\u0160tai ir aptar\u0117me svarbiausi\u0105 informacij\u0105, kuri\u0105 b\u016btina \u017einoti apie paskolas \u016bkininkams.<\/p>\n\n\n\n<p>Atminkite, jog \u017eem\u0117s \u016bkio paskola &#8211; itin rimtas finansinis \u012fsipareigojimas, neretai reikalaujantis turimo turto \u012fkeitimo. \u012evertinkite savo galimybes gr\u0105\u017einti.<\/p>\n\n\n\n<p>\u017demiau rasite atsakymus \u012f da\u017eniausiai u\u017eduodamus klausimus. S\u0117km\u0117s!<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Paskolos_kininkams___DUK\">Paskolos \u016akininkams &#8211; D.U.K.<\/h3><h4>Kas gali gauti paskol\u0105 \u016bkininkams?<\/h4><div class=\"faq_inner\"><p>Paskolas gali gauti 18-os met\u0173 sulauk\u0119 asmenys, u\u017esiimantys registruota \u017eem\u0117s \u016bkio veikla. Paskolas taip pat gali gauti ne tik fiziniai, bet ir juridiniai asmenys.<\/p><\/div><h4>Noriu gauti paskol\u0105 \u016bkiui &#8211; kokie dokumentai reikalingi?<\/h4><div class=\"faq_inner\"><p>Reikalingi dokumentai priklausys nuo pasirinkto skolintojo bei paskolos tipo (pvz. \u012fkei\u010diant turt\u0105, bus reikalingi papildomi dokumentai).<\/p>\n<p>Da\u017eniausiai reikalingi dokumentai:<\/p>\n<ul>\n<li>Verslo planas arba \u016bkio veiklos apra\u0161ymas<\/li>\n<li>Ekonominis kredito panaudojimo \u012fvertinimas<\/li>\n<li>Finansin\u0117s atskaitomyb\u0117s dokumentai<\/li>\n<li>\u016akininko ir \u016akio registracijos dokumentai<\/li>\n<li>Registr\u0173 centro i\u0161ra\u0161as, turto vertinimo pa\u017eyma<\/li>\n<\/ul><\/div><h4>Kiek kainuoja kredito sutarties sudarymas?<\/h4><div class=\"faq_inner\"><p>Da\u017eniausiai \u017eem\u0117s \u016bkio kredito sudarymas kainuoja apie 0.6 &#8211; 1.5% paskolos sumos.<\/p>\n<p>Pavyzd\u017eiui, renkantis 100 000\u20ac kredit\u0105, u\u017e sutarties sudarym\u0105 teks sumok\u0117ti 600 &#8211; 1500\u20ac.<\/p><\/div><h4>Kas yra INVEGA?<\/h4><div class=\"faq_inner\"><p>UAB \u201eInvesticij\u0173 ir verslo garantijos\u201c (INVEGA) yra valstyb\u0117s \u012fsteigta finans\u0173 \u012fstaiga, kuri \u012fgyvendina \u012fvairias finansines priemones, pvz. teikia lengvatines paslaugas.<\/p>\n<p>B\u016btent per INVEGA gausite visas finansines priemones \u017eem\u0117s \u016bkiui &#8211; garantijas, lengvatines paskolas, kompensacijas ir pana\u0161iai.<\/p><\/div><h4>Kas nutiko \u017dem\u0117s \u016akio Paskol\u0173 Garantij\u0173 Fondui (\u017d\u016aPGF)?<\/h4><div class=\"faq_inner\"><p>Nuo 2023 m. Rugpj\u016b\u010dio 1 dienos, \u017eem\u0117s \u016bkio paskol\u0173 garantij\u0173 fondas buvo prijungtas prie INVEGA. Tai rei\u0161kia, jog visas priemones \u017eem\u0117s \u016bkiui dabar teikia nebe \u017d\u016aPGF, o INVEGA.<\/p><\/div><h4>Koki\u0105 maksimali\u0105 paskolos sum\u0105 galiu gauti?<\/h4><div class=\"faq_inner\"><p>Maksimali paskolos suma priklauso nuo j\u016bs\u0173 \u012fkei\u010diamo turto vert\u0117s.<\/p>\n<p>Da\u017eniausiai yra finansuojama iki 80% \u012fkei\u010diamo\/perkamo objekto vert\u0117s. Pavyzd\u017eiui, perkant kombain\u0105 u\u017e 200 000\u20ac, gali b\u016bti suteikta paskola iki 160 000\u20ac.<\/p>\n<p>Tai reik\u0161t\u0173, jog reikalingas 40 000\u20ac (t.y. 20%) pradinis \u012fna\u0161as.<\/p><\/div><h4>Koks maksimalus paskolos gr\u0105\u017einimo terminas?<\/h4><div class=\"faq_inner\"><p>Maksimalus paskolos gr\u0105\u017einimo terminas priklauso tiek nuo paskolos tipo, tiek nuo skolintojo.\u00a0<\/p>\n<p>Trumpos paskolos (pvz. paskola apyvartai) gr\u0105\u017einamos per 36 m\u0117nesius, o investicin\u0117s paskolos (pvz. paskola \u017eemei pirkti) gali b\u016bti gr\u0105\u017eintos ir per 20 &#8211; 25 metus.<\/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\/wiki\/paskola-ukininkams\/#top\" class=\"button  is-rounded is-primary is-large\" target=\"_self\"  >Atgal \u012f vir\u0161\u0173 \u2191<\/a><\/div>","protected":false},"author":100,"featured_media":76776,"comment_status":"open","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,"footnotes":""},"categories":[38],"_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/76593"}],"collection":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/types\/wiki"}],"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=76593"}],"version-history":[{"count":50,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/76593\/revisions"}],"predecessor-version":[{"id":76785,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/76593\/revisions\/76785"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media\/76776"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=76593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=76593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}