{"id":27634,"date":"2021-01-20T12:04:30","date_gmt":"2021-01-20T10:04:30","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/?p=27634"},"modified":"2021-01-20T12:04:30","modified_gmt":"2021-01-20T10:04:30","slug":"dvi-galimybes-gauti-paskola-turint-skolu","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/","title":{"rendered":"Dvi galimyb\u0117s gauti paskol\u0105 turint skol\u0173"},"content":{"rendered":"

Tod\u0117l jei \u017emogus turi skol\u0173 ir ie\u0161ko galimyb\u0117s gauti dar vien\u0105 paskol\u0105, tai neb\u016btinai rei\u0161kia ka\u017ek\u0105 blogo ar finansi\u0161kai neatsakingo. Yra daug prie\u017eas\u010di\u0173, kod\u0117l \u017emogus gal\u0117t\u0173 nor\u0117ti gauti paskol\u0105, nors dar nepadeng\u0117 kit\u0173 turim\u0173 \u012fsipareigojim\u0173.<\/p>\n

Lygiai taip pat yra ir daugiau nei vienas b\u016bdas tokiam asmeniui pasiskolinti. Viskas priklauso nuo to, koki\u0105 \u012ftak\u0105 j\u016bs\u0173 finansams turi anks\u010diau paimtos paskolos. Nuo to priklauso kuria i\u0161 dviej\u0173 galimybi\u0173 gal\u0117site pasinaudoti.<\/p>\n

Pirma galimyb\u0117: skolintis \u012fprastai<\/strong><\/p>\n

Da\u017enai manoma, kad \u017emon\u0117s turintys skol\u0173 negali skolintis arba negali to daryti taip, kaip joki\u0173 \u012fsipareigojim\u0173 neturintys asmenys. Bet tai \u2013 netiesa. Kreditoriams n\u0117ra svarbu pats \u012fsipareigojim\u0173 tur\u0117jimo faktas, bet tik iki kol j\u0173 dydis neper\u017eengia tam tikros ribos<\/em>.<\/p>\n

Nor\u0117dama i\u0161vengti pradelst\u0173 mok\u0117jim\u0173, negr\u0105\u017eint\u0173 paskol\u0173 ir i\u0161 to kylan\u010di\u0173 socialini\u0173 problem\u0173, valstyb\u0117 nusprend\u0117 apriboti galimybes skolintis per daug \u012fsipareigojim\u0173 turintiems asmenims. Tai yra \u012fra\u0161yta vartojimo kredito \u012fstatyme, kuriuo turi vadovautis greituosius kreditus ir vartojimo paskolas skolinan\u010dios \u012fmon\u0117s.<\/p>\n

\u012estatymas neu\u017edraud\u017eia gauti paskol\u0105 turintiems skol\u0173<\/a>, jei turim\u0173 skol\u0173 mok\u0117jimai n\u0117ra didesni nei 40 procent\u0173 oficiali\u0173 per m\u0117nes\u012f gaunam\u0173 pajam\u0173<\/em>. Patikslinant, sprend\u017eiamasis kriterijus \u010dia yra dalis pajam\u0173, kuri tenka paskolos ar paskol\u0173 aptarnatvimui, t.y. pal\u016bkan\u0173, administracini\u0173 ir kt. mokes\u010di\u0173 mok\u0117jimui kiekvien\u0105 m\u0117nes\u012f.<\/p>\n

Pasiskolinti \u012fprastu b\u016bdu gal\u0117site, jei j\u016bs\u0173 skolos aptarnavimo i\u0161laidos, kartu su papildomai norima gauti paskola, nevir\u0161ys 40 procent\u0173 oficiali\u0173 pajam\u0173. Kai kurios \u012fmon\u0117s, tur\u0117damos konservatyvesnes rizikos valdymo strategijas, gali pasirinkti atsisakyti skolinti ir ma\u017eiau \u012fsipareigojim\u0173 turintiems asmenims. Ta\u010diau dauguma \u012fmoni\u0173, ypatingai kalbant apie greit\u0173j\u0173 kredit\u0173 bendroves, yra link\u0119 vadovautis vartojimo kredito \u012fstatymu, nekeliant paskolos gav\u0117jams papildom\u0173 s\u0105lyg\u0173.<\/p>\n

Antra galimyb\u0117: tartis d\u0117l refinansavimo<\/strong><\/p>\n

Jei j\u016bs\u0173 skolos aptarnavimo i\u0161laidos yra per didel\u0117s, kad gal\u0117tum\u0117te gauti kredit\u0105, tai dar nerei\u0161kia, kad negal\u0117site pasiskolinti. Tokiose situacijose i\u0161eitis yra paskol\u0173 refinansavimas. Tai yra paslauga, kuri ne tik sujungia visus turimus \u012fsipareigojimus \u012f vien\u0105, bet papildomai leid\u017eia paskolos gav\u0117jui susitarti d\u0117l nauj\u0173 s\u0105lyg\u0173.<\/p>\n

Kalbant apie priva\u010dias vartojimo paskolas ar greituosius kreditus, Lietuvoje refinansavimo praktika da\u017eniausiai apsiriboja pal\u016bkan\u0173 normos poky\u010diais, kurie atsiranda d\u0117l paskolos gr\u0105\u017einimo termino prat\u0119simo. Tod\u0117l perkreditavus turimus \u012fsipareigojimus, bendra vartojimo kredito kainos metin\u0117 norma (BVKKMN), o taip pat ir kredito gav\u0117jo mokama m\u0117nesio \u012fmoka suma\u017e\u0117ja.<\/p>\n

Tuo pa\u010diu suma\u017e\u0117ja ir skolos aptarnavimo i\u0161laid\u0173 dalis nuo gaunam\u0173 pajam\u0173. Tai atveria galimybes gauti paskol\u0105 turint skol\u0173 nepa\u017eeid\u017eiant vartojimo kredito \u012fstatymo s\u0105lyg\u0173. Tod\u0117l neretai kartu su refinansavimu paskolos gav\u0117jui yra si\u016bloma gauti paskol\u0105.<\/p>\n

Kaip gali matyti, paskolos turintiems skol\u0173<\/a> Lietuvoje n\u0117ra tabu. Svarbiausia yra netur\u0117ti tiek \u012fsipareigojim\u0173, kad skolinimosi galimybes ribot\u0173 \u012fstatymas. Bet net tuomet refinansavimas gali pakoreguoti j\u016bs\u0173 kredito gr\u0105\u017einimo grafik\u0105 taip, kad atsirast\u0173 galimyb\u0117 pasiskolinti nepaisant turim\u0173 skol\u0173.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tod\u0117l jei \u017emogus turi skol\u0173 ir ie\u0161ko galimyb\u0117s gauti dar vien\u0105 paskol\u0105, tai neb\u016btinai rei\u0161kia ka\u017ek\u0105 blogo ar finansi\u0161kai neatsakingo. Yra daug prie\u017eas\u010di\u0173, kod\u0117l \u017emogus gal\u0117t\u0173 nor\u0117ti gauti paskol\u0105, nors dar nepadeng\u0117 kit\u0173 turim\u0173 \u012fsipareigojim\u0173. Lygiai taip pat yra ir daugiau nei vienas b\u016bdas tokiam asmeniui pasiskolinti. Viskas priklauso nuo to, koki\u0105 \u012ftak\u0105 j\u016bs\u0173 finansams […]<\/p>\n","protected":false},"author":2,"featured_media":27635,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[47],"class_list":["post-27634","post","type-post","status-publish","format-standard","has-post-thumbnail","category-gyvenimas","tag-pirmasis"],"yoast_head":"\nDvi galimyb\u0117s gauti paskol\u0105 turint skol\u0173 - \u0160ilut\u0117s naujienos<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dvi galimyb\u0117s gauti paskol\u0105 turint skol\u0173 - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"Tod\u0117l jei \u017emogus turi skol\u0173 ir ie\u0161ko galimyb\u0117s gauti dar vien\u0105 paskol\u0105, tai neb\u016btinai rei\u0161kia ka\u017ek\u0105 blogo ar finansi\u0161kai neatsakingo. Yra daug prie\u017eas\u010di\u0173, kod\u0117l \u017emogus gal\u0117t\u0173 nor\u0117ti gauti paskol\u0105, nors dar nepadeng\u0117 kit\u0173 turim\u0173 \u012fsipareigojim\u0173. Lygiai taip pat yra ir daugiau nei vienas b\u016bdas tokiam asmeniui pasiskolinti. 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Yra daug prie\u017eas\u010di\u0173, kod\u0117l \u017emogus gal\u0117t\u0173 nor\u0117ti gauti paskol\u0105, nors dar nepadeng\u0117 kit\u0173 turim\u0173 \u012fsipareigojim\u0173. Lygiai taip pat yra ir daugiau nei vienas b\u016bdas tokiam asmeniui pasiskolinti. Viskas priklauso nuo to, koki\u0105 \u012ftak\u0105 j\u016bs\u0173 finansams […]","og_url":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/","og_site_name":"\u0160ilut\u0117s naujienos","article_publisher":"https:\/\/www.facebook.com\/silutes.naujienos\/","article_published_time":"2021-01-20T10:04:30+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/www.silutesnaujienos.lt\/lt\/wp-content\/uploads\/2021\/01\/Paskolos-turintiems-skolu.jpeg","type":"image\/jpeg"}],"author":"\u0160ilut\u0117s naujien\u0173 inf.","twitter_card":"summary_large_image","twitter_misc":{"Written by":"\u0160ilut\u0117s naujien\u0173 inf.","Est. reading time":"2 minut\u0117s"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/#article","isPartOf":{"@id":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/"},"author":{"name":"\u0160ilut\u0117s naujien\u0173 inf.","@id":"https:\/\/www.silutesnaujienos.lt\/lt\/#\/schema\/person\/976440ef837444400af3c77c19c61454"},"headline":"Dvi galimyb\u0117s gauti paskol\u0105 turint skol\u0173","datePublished":"2021-01-20T10:04:30+00:00","mainEntityOfPage":{"@id":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/"},"wordCount":505,"commentCount":0,"publisher":{"@id":"https:\/\/www.silutesnaujienos.lt\/lt\/#organization"},"image":{"@id":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/#primaryimage"},"thumbnailUrl":"https:\/\/www.silutesnaujienos.lt\/lt\/wp-content\/uploads\/2021\/01\/Paskolos-turintiems-skolu.jpeg","keywords":["Pirmasis"],"articleSection":["Gyvenimas"],"inLanguage":"lt-LT","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/","url":"https:\/\/www.silutesnaujienos.lt\/lt\/dvi-galimybes-gauti-paskola-turint-skolu\/","name":"Dvi galimyb\u0117s gauti paskol\u0105 turint skol\u0173 - 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