{"id":80722,"date":"2026-03-02T08:48:30","date_gmt":"2026-03-02T06:48:30","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/?p=80722"},"modified":"2026-03-02T08:48:30","modified_gmt":"2026-03-02T06:48:30","slug":"nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\/","title":{"rendered":"Nuo \u201enam\u0173 visam gyvenimui\u201c prie lankstumo: kaip kei\u010diasi lietuvi\u0173 po\u017ei\u016bris \u012f b\u016bsto paskol\u0105?"},"content":{"rendered":"

 <\/p>\n

\u0160iandien vis daugiau lietuvi\u0173 \u0161\u012f \u201epo\u017ei\u016br\u012f per\u017ei\u016bri\u201c. B\u016bsto paskola vis da\u017eniau tampa ne galutine stotele, o vienu i\u0161 gyvenimo etap\u0173.<\/span><\/p>\n

Gyvenimas tapo per daug dinami\u0161kas vienam adresui<\/span><\/h2>\n

\u0160iuolaikinio lietuvio gyvenimas retai telpa \u012f vien\u0105 scenarij\u0173. Kei\u010diasi darbai, miestai, \u0161eimos modeliai, net pa\u010dios vertyb\u0117s. Tai, kas dvide\u0161imt penkeri\u0173 atrod\u0117 kaip svajoni\u0173 b\u016bstas, keturiasde\u0161imties gali nebeatitikti poreiki\u0173, tod\u0117l b\u016bsto paskola neb\u0117ra suvokiama kaip sprendimas \u201evisam laikui\u201c.<\/span><\/p>\n

Jaunesn\u0117s kartos lietuviai vis da\u017eniau galvoja apie b\u016bst\u0105 kaip apie lankst\u0173 turt\u0105. Tok\u012f, kur\u012f galima parduoti, i\u0161nuomoti, pakeisti. \u0160i logika artimesn\u0117 investiciniam m\u0105stymui nei emociniam prisiri\u0161imui.<\/span><\/p>\n

Darbo rinka pakeit\u0117 b\u016bsto logik\u0105<\/span><\/h2>\n

Anks\u010diau b\u016bstas da\u017enai buvo priri\u0161tas prie darbo vietos. \u0160iandien \u0161i s\u0105saja silpn\u0117ja. Nuotolinis darbas, projektin\u0117 veikla, savaranki\u0161kas darbas leid\u017eia gyventi ten, kur patogiau, o ne ten, kur \u201ereikia\u201c. D\u0117l to <\/span>b\u016bsto paskola<\/span><\/a> vis da\u017eniau vertinama per klausim\u0105 \u201e<\/span>ar \u0161is b\u016bstas tiks mano gyvenimui artimiausius 5\u201310 met\u0173<\/span><\/i>\u201c, o ne \u201e<\/span>ar \u010dia noriu gyventi iki senatv\u0117s<\/span><\/i>\u201c. Tai esminis mentaliteto pokytis.<\/span><\/p>\n

Emocinis prisiri\u0161imas silpn\u0117ja, racionalumas stipr\u0117ja<\/span><\/h2>\n

Vyresn\u0117ms kartoms nuosavas b\u016bstas buvo emocin\u0117 tvirtov\u0117. Jaunesni lietuviai \u012f j\u012f \u017ei\u016bri pragmati\u0161kiau. <\/span>Jiems svarbu ne tik jausmas \u201e\u010dia mano\u201c, bet ir skai\u010diai: likvidumas, vert\u0117s augimas, galimyb\u0117 keisti sprendim\u0105 be dideli\u0173 nuostoli\u0173<\/b>.<\/span><\/p>\n

Tai nerei\u0161kia, kad namai nebesvarb\u016bs. Jie svarb\u016bs, bet ne kaip nekintamas objektas, o kaip gyvenimo kokyb\u0117s dalis, kuri gali keistis kartu su \u017emogumi.<\/span><\/p>\n

\"\"<\/p>\n

Lietuvos banko pateiktame infografike straipsnyje \u201eNauja statistika leis tiksliau palyginti b\u016bsto paskol\u0173 pal\u016bkan\u0173 normas\u201c vaizduojama,<\/span><\/i> kaip 2015\u20132023 m. keit\u0117si b\u016bsto paskol\u0173 pradin\u0117s pal\u016bkan\u0173 normos Lietuvoje priklausomai nuo pal\u016bkan\u0173 fiksavimo laikotarpio.<\/i><\/b><\/p>\n

Infografikas rodo, kad iki 2022 m. pal\u016bkan\u0173 normos visiems fiksavimo laikotarpiams i\u0161liko palyginti \u017eemos ir stabilios, ta\u010diau nuo 2022 m. prasid\u0117jo staigus augimas. 2023 m. pal\u016bkanos u\u017e trump\u0105 (iki 1 met\u0173) ir ilgesn\u012f (nuo 1 iki 5 met\u0173) fiksavimo laikotarp\u012f beveik susilygino ir pasiek\u0117 apie 5,4\u20135,9 proc., taip suma\u017eindamos anks\u010diau buvus\u012f skirtum\u0105 tarp skirting\u0173 fiksavimo trukmi\u0173. Tai rodo, kad rinkoje i\u0161 esm\u0117s pasikeit\u0117 b\u016bsto paskol\u0173 kainodara ir vartotojams tapo svarbu aktyviai vertinti refinansavimo galimybes.<\/span><\/i><\/p>\n

 <\/p>\n

B\u016bsto paskola neb\u0117ra vienkartinis \u012fsipareigojimas<\/span><\/h2>\n

Dar vienas pokytis \u2013 suvokimas, kad b\u016bsto paskola neb\u016btinai yra viena vienintel\u0117 per gyvenim\u0105. Vis daugiau lietuvi\u0173 mato paskol\u0105 kaip finansin\u012f instrument\u0105, o ne gyvenimo nuosprend\u012f. Pirmas b\u016bstas gali b\u016bti ma\u017eesnis, laikinas, antras \u2013 pritaikytas \u0161eimai, tre\u010dias \u2013 senatvei.<\/span><\/p>\n

Toks po\u017ei\u016bris artimas Vakar\u0173 Europoje \u012fprastai praktikai, ta\u010diau Lietuvoje jis tik dabar pradeda \u012fsitvirtinti. Tai kei\u010dia ir emocin\u012f santyk\u012f su paskola. Ji kelia ma\u017eiau baim\u0117s, kai neb\u0117ra suvokiama kaip \u201evienintelis \u0161ansas\u201c.<\/span><\/p>\n

Kod\u0117l \u201evisam gyvenimui\u201c modelis dar nei\u0161nyko?<\/span><\/h2>\n

Vis d\u0117lto daliai lietuvi\u0173 b\u016bsto paskola vis dar rei\u0161kia galutin\u012f sprendim\u0105. Tai da\u017eniau matoma tarp vyresni\u0173 \u017emoni\u0173 ar regionuose, kur gyvenimo tempas l\u0117tesnis, o socialiniai ry\u0161iai stipresni. Ten namai vis dar suvokiami kaip \u0161eimos centras, kur\u012f norisi i\u0161laikyti kuo ilgiau. Visgi, net ir \u0161iose grup\u0117se atsiranda daugiau lankstumo. Vaik\u0173 i\u0161vykimas, darbo poky\u010diai, sveikatos klausimai ver\u010dia pripa\u017einti, kad net \u201enamai visam gyvenimui\u201c kartais tampa laikinais.<\/span><\/p>\n

K\u0105 tai sako apie \u0161iandienos Lietuv\u0105?<\/span><\/h2>\n

Lietuvi\u0173 po\u017ei\u016brio \u012f b\u016bsto paskol\u0105 pokytis rodo platesn\u0119 brand\u0105. \u017dmon\u0117s nebenori sprendim\u0173, kurie juos apribot\u0173 ateityje. Jie ie\u0161ko finansini\u0173 sprendim\u0173, prisitaikan\u010di\u0173 prie gyvenimo, o ne atvirk\u0161\u010diai. B\u016bsto paskola \u0161iandien vis da\u017eniau suvokiama kaip s\u0105moningas gyvenimo pasirinkimas tam tikram etapui, o ne galutin\u0117 stotel\u0117. Ir tai n\u0117ra nestabilumo \u017eenklas. Tai \u017eenklas, kad lietuviai prad\u0117jo planuoti gyvenim\u0105 ne pagal \u201ekaip reikia\u201c, o pagal \u201ekaip man tinka\u201c.<\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  \u0160iandien vis daugiau lietuvi\u0173 \u0161\u012f \u201epo\u017ei\u016br\u012f per\u017ei\u016bri\u201c. B\u016bsto paskola vis da\u017eniau tampa ne galutine stotele, o vienu i\u0161 gyvenimo etap\u0173. Gyvenimas tapo per daug dinami\u0161kas vienam adresui \u0160iuolaikinio lietuvio gyvenimas retai telpa \u012f vien\u0105 scenarij\u0173. Kei\u010diasi darbai, miestai, \u0161eimos modeliai, net pa\u010dios vertyb\u0117s. Tai, kas dvide\u0161imt penkeri\u0173 atrod\u0117 kaip svajoni\u0173 b\u016bstas, keturiasde\u0161imties gali nebeatitikti […]<\/p>\n","protected":false},"author":2,"featured_media":80723,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-80722","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-be-kategorijos"},"yoast_head":"\nNuo \u201enam\u0173 visam gyvenimui\u201c prie lankstumo: kaip kei\u010diasi lietuvi\u0173 po\u017ei\u016bris \u012f b\u016bsto paskol\u0105? - \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\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nuo \u201enam\u0173 visam gyvenimui\u201c prie lankstumo: kaip kei\u010diasi lietuvi\u0173 po\u017ei\u016bris \u012f b\u016bsto paskol\u0105? - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"  \u0160iandien vis daugiau lietuvi\u0173 \u0161\u012f \u201epo\u017ei\u016br\u012f per\u017ei\u016bri\u201c. B\u016bsto paskola vis da\u017eniau tampa ne galutine stotele, o vienu i\u0161 gyvenimo etap\u0173. Gyvenimas tapo per daug dinami\u0161kas vienam adresui \u0160iuolaikinio lietuvio gyvenimas retai telpa \u012f vien\u0105 scenarij\u0173. Kei\u010diasi darbai, miestai, \u0161eimos modeliai, net pa\u010dios vertyb\u0117s. Tai, kas dvide\u0161imt penkeri\u0173 atrod\u0117 kaip svajoni\u0173 b\u016bstas, keturiasde\u0161imties gali nebeatitikti […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.silutesnaujienos.lt\/lt\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\/\" \/>\n<meta property=\"og:site_name\" content=\"\u0160ilut\u0117s naujienos\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/silutes.naujienos\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-02T06:48:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.silutesnaujienos.lt\/lt\/wp-content\/uploads\/2026\/03\/pexels.png\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"341\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"\u0160ilut\u0117s naujien\u0173 inf.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u0160ilut\u0117s naujien\u0173 inf.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\\\/\"},\"author\":{\"name\":\"\u0160ilut\u0117s naujien\u0173 inf.\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/#\\\/schema\\\/person\\\/976440ef837444400af3c77c19c61454\"},\"headline\":\"Nuo \u201enam\u0173 visam gyvenimui\u201c prie lankstumo: kaip kei\u010diasi lietuvi\u0173 po\u017ei\u016bris \u012f b\u016bsto paskol\u0105?\",\"datePublished\":\"2026-03-02T06:48:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\\\/\"},\"wordCount\":641,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/pexels.png\",\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\\\/\",\"url\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\\\/\",\"name\":\"Nuo \u201enam\u0173 visam gyvenimui\u201c prie lankstumo: kaip kei\u010diasi lietuvi\u0173 po\u017ei\u016bris \u012f b\u016bsto paskol\u0105? 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B\u016bsto paskola vis da\u017eniau tampa ne galutine stotele, o vienu i\u0161 gyvenimo etap\u0173. Gyvenimas tapo per daug dinami\u0161kas vienam adresui \u0160iuolaikinio lietuvio gyvenimas retai telpa \u012f vien\u0105 scenarij\u0173. Kei\u010diasi darbai, miestai, \u0161eimos modeliai, net pa\u010dios vertyb\u0117s. Tai, kas dvide\u0161imt penkeri\u0173 atrod\u0117 kaip svajoni\u0173 b\u016bstas, keturiasde\u0161imties gali nebeatitikti […]","og_url":"https:\/\/www.silutesnaujienos.lt\/lt\/nuo-namu-visam-gyvenimui-prie-lankstumo-kaip-keiciasi-lietuviu-poziuris-i-busto-paskola\/","og_site_name":"\u0160ilut\u0117s naujienos","article_publisher":"https:\/\/www.facebook.com\/silutes.naujienos\/","article_published_time":"2026-03-02T06:48:30+00:00","og_image":[{"width":512,"height":341,"url":"https:\/\/www.silutesnaujienos.lt\/lt\/wp-content\/uploads\/2026\/03\/pexels.png","type":"image\/png"}],"author":"\u0160ilut\u0117s naujien\u0173 inf.","twitter_card":"summary_large_image","twitter_misc":{"Written by":"\u0160ilut\u0117s naujien\u0173 inf.","Est. reading time":"4 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