{"id":909,"date":"2014-06-18T05:00:00","date_gmt":"2014-06-18T07:00:00","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/ka-svarbu-zinoti-pries-imant-vartojamaja-paskola\/"},"modified":"2014-06-18T05:00:00","modified_gmt":"2014-06-18T07:00:00","slug":"ka-svarbu-zinoti-pries-imant-vartojamaja-paskola","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/ka-svarbu-zinoti-pries-imant-vartojamaja-paskola\/","title":{"rendered":"K\u0105 svarbu \u017einoti prie\u0161 imant vartojam\u0105j\u0105 paskol\u0105?"},"content":{"rendered":"

\"paskola\"<\/a>Tikriausiai daugeliui d\u0117l vien\u0173 ar kit\u0173 prie\u017eas\u010di\u0173 yra tek\u0119 susidurti su finansiniais sunkumais. Papuol\u0119 \u012f nepavyd\u0117tin\u0105 da\u017enas ne\u017einome, kaip b\u016bt\u0173 geriausia pasielgti. Tuomet \u012f nat\u016braliai kylant\u012f klausim\u0105 \u2013 k\u0105 daryti? \u2013 atsakyti tampa labai sunku. Skolintis i\u0161 t\u0117v\u0173, artim\u0173j\u0173 ar \u2013 draug\u0173? O galb\u016bt \u2013 imti vartojam\u0105j\u0105 paskol\u0105 i\u0161 jas i\u0161duodan\u010di\u0173 bendrovi\u0173?<\/strong><\/p>\n

Kaip matome, variant\u0173 \u2013 ne vienas. Kur\u012f j\u0173 pasirinkti priklauso nuo poreiki\u0173. Jeigu pasirod\u0117 tinkamiausais vartojamosios paskolos variantas, atminkite, kad skolintis reikia atsakingai, o taip pat \u2013 protingai. Patarimais, \u012f k\u0105 svarbu atkreipti d\u0117mes\u012f skolinantis pasidalino \u201eProvident Finansai\u201c Kauno regiono prekybos vadovas Mindaugas \u0160vilpauskas.<\/p>\n

Patarimas nr. 1 \u2013 \u012fvertinkite pajam\u0173 ir i\u0161laid\u0173 santyk\u012f ir nesl\u0117pkite nuo artim\u0173j\u0173 ketinimo pasiskolinti<\/strong><\/p>\n

Pirmoji taisykl\u0117 \u2013 jeigu j\u016bs\u0173 pajamos yra ma\u017eesn\u0117s u\u017e b\u016btin\u0105sias i\u0161laidas \u2013 geriau apie paskol\u0105 net negalvokite. Ver\u010diau per\u017ei\u016br\u0117kite, kurioms reikm\u0117ms i\u0161leid\u017eiate did\u017eiausi\u0105 dal\u012f pajam\u0173 bei kur gal\u0117tum\u0117te sutaupyti. Da\u017enas m\u016bs\u0173 n\u0117ra prat\u0119s steb\u0117ti savo biud\u017eeto poky\u010di\u0173, ta\u010diau \u017einoti, kur keliauja j\u016bs\u0173 pinigai \u2013 labai naudinga. Taip pat visuomet apie ketinim\u0105 pasiskolinti informuokite artimuosius \u2013 galb\u016bt jie taip pat gal\u0117s jums pagelb\u0117ti. \u017diniasklaidoje apstu istorij\u0173, kuomet b\u016btent prasiskolinusi\u0173j\u0173 artimieji turi prisiimti pasiskolinusi\u0173j\u0173 \u012fsipareigojimus. Tod\u0117l pasikartosime \u2013 visuomet informuokite artimuosius apie savo ketinimus.<\/p>\n

Patarimas nr. 2 \u2013 \u012fvertinkite, ar b\u016bsite finansi\u0161kai paj\u0117gus mok\u0117ti \u012fmokas nurodytais terminais ir sumomis<\/strong><\/p>\n

Prie\u0161 kreipdamiesi \u012f paskol\u0173 teik\u0117j\u0105, pagalvokite, kiek l\u0117\u0161\u0173 kiekvien\u0105 m\u0117nes\u012f i\u0161 asmeninio biud\u017eeto gal\u0117tum\u0117te skirti paskolos gr\u0105\u017einimui. M\u016bs\u0173 kompanijos atveju, kiekviena paskola i\u0161duodama atsi\u017evelgiant \u012f paskolos gav\u0117jo galimybes, sudaromas patogus paskolos mok\u0117jimo grafikas. Remiantis juo mokamos kassavaitin\u0117s \u012fmokos. Atid\u0117ti mok\u0117jim\u0105 \u012fmanoma, ta\u010diau nerekomenduotina tuo piktnaud\u017eiauti. Juk atid\u0117t\u0105 sum\u0105 vis tiek reik\u0117s sumok\u0117ti. O mok\u0117jimo savait\u0117mis prana\u0161umas \u2013 mok\u0117jimas nedidel\u0117mis sumomis finansi\u0161kai n\u0117ra skausmingas. Sutiks daugelis \u2013 kuo didesn\u0117 suma, tuo sunkiau biud\u017eetui.
 
Patarimas nr. 3 \u2013 skaitykite sutarties s\u0105lygas<\/strong><\/p>\n

Apskritai, visas sutartis reikia skaityti nuo prad\u017eios iki pat paskutinio punkto ir kad ir kokiomis ma\u017eomis raid\u0117mis jos b\u016bt\u0173 para\u0161ytos. Tad neu\u017esitraukite nemalonum\u0173 vien d\u0117l savo neapdairumo<\/p>\n

Ypa\u010d atidiems reikia b\u016bti prisiimant finansinius \u012fsipareigojimus. M\u016bs\u0173 kompanijos atlikto visuomen\u0117s tyrimo metu daugiau nei pus\u0117 apklaust\u0173j\u0173, kuriems yra tek\u0119 prisiimti finansini\u0173 \u012fsipareigojim\u0173, prisipa\u017eino \u012f sutarties s\u0105lygas nesigilinantys. Tarp sutarties atid\u017eiai neskaitan\u010di\u0173 36 proc. teig\u0117 dokumentus \u201eperb\u0117gantys\u201c akimis, o beveik ketvirtadalis \u2013 visai nesigilinantys, nes tai u\u017e juos padaro konsultantas arba tai jiems tiesiog ne\u012fdomu.  <\/p>\n

Atminkite \u2013 kiekvienas paskolos sutarties punktas yra svarbus. Tad sutartis skaitykite atid\u017eiai, o kilus klausimams \u2013 klauskite. Siekdami u\u017etikrinti, kad m\u016bs\u0173 klientai supranta sutarties s\u0105lygas, organizuojame susitikim\u0105 su kredito tarpininku kliento namuose. Jo metu ai\u0161kiai i\u0161d\u0117stome sutarties s\u0105lygas, atsakome \u012f visus i\u0161kylan\u010dius klausimus.
 
Patarimas nr. 4 \u2013 neimkite paskolos ankstesnei paskolai padengti<\/strong><\/p>\n

Da\u017enai sutinkama situacija, kuomet siekdami gr\u0105\u017einti vien\u0105 paskol\u0105, gyventojai paima kit\u0105 paskol\u0105 ankstesnei padengti. Neretai taip tik \u012fklimpstama \u012f prasiskolinimo li\u016bn\u0105, i\u0161 kurio i\u0161bristi \u2013 sunku. Tod\u0117l neimkite paskolos ankstesnei paskolai padengti. Taip pasielg\u0119s problemos ne tik kad nei\u0161spr\u0119site, bet prie\u0161ingai \u2013 tik pabloginsite savo pad\u0117t\u012f. Be to, taip pasielg\u0119 u\u017ekertate sau galimyb\u0119 gauti paskol\u0105 tuomet, kai jos tikrai reik\u0117s.<\/p>\n

Patarimas nr. 5 \u2013 neimkite paskolos impulsyviai, vedami emocij\u0173<\/strong><\/p>\n

Prie\u0161 imdami bet koki\u0105 paskol\u0105 atsakykite \u012f klausim\u0105 \u2013 ar man jos tikrai reikia. Da\u017eniausiai vartojimo paskolos imamos b\u016btiniausioms reikm\u0117ms ar neplanuotoms i\u0161laidoms padengti. Tod\u0117l mes neteikiame paskol\u0173 elektroniniu b\u016bdu, n\u0117ra galimyb\u0117s gauti paskol\u0105 ir nakties metu, kuomet galimas spontani\u0161ko sprendimo pavojus. Prie\u0161 i\u0161duodami paskol\u0105 visuomet susitikimo metu i\u0161siai\u0161kinama, ar \u017emogui jos tikrai reikia.<\/p>\n

Patarimas nr. 6 \u2013 \u012fvertinkite b\u016bsimas sezonines i\u0161laidas<\/strong><\/p>\n

\u017diemos metu privalom\u0173j\u0173 i\u0161laid\u0173 kiekvienas patiriame daugiau nei vasar\u0105. Tod\u0117l jeigu galvojate apie paskol\u0105 art\u0117jant \u0161ildymo sezonui, labai svarbu \u012fvertinti tai, kad dal\u012f pajam\u0173 reik\u0117s skirti \u0161ildymui.<\/p>\n

Patarimas nr. 7 \u2013 \u017einokite, kad gr\u0105\u017einti tur\u0117site daugiau nei skolinat\u0117s<\/strong><\/p>\n

Nepamir\u0161kite, kad gr\u0105\u017eintinos paskolos sum\u0105 sudaro i\u0161duodamos paskolos suma bei pal\u016bkanos. Tod\u0117l visuomet svarbu prie\u0161 priimant sprendim\u0105 su kredito tarpininku i\u0161siai\u0161kinti ne tik i\u0161duodamos, bet ir gr\u0105\u017eintinos paskolos dyd\u012f.<\/p>\n

Ne paslaptis, kad da\u017en\u0105 m\u016bs\u0173 erzina, kai aplinkiniai pradeda mokyti, kaip gyventi. \u0160i\u0173 patarim\u0173 tikslas \u2013 ne mokyti, bet patarti ir \u012fsp\u0117ti. Taigi b\u016bkite budr\u016bs ir jeigu jau nusprend\u0117te imti vartojam\u0105j\u0105 paskol\u0105, darykite tai atsakingai.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tikriausiai daugeliui d\u0117l vien\u0173 ar kit\u0173 prie\u017eas\u010di\u0173 yra tek\u0119 susidurti su finansiniais sunkumais. Papuol\u0119 \u012f nepavyd\u0117tin\u0105 da\u017enas ne\u017einome, kaip b\u016bt\u0173 geriausia pasielgti. Tuomet \u012f nat\u016braliai kylant\u012f klausim\u0105 \u2013 k\u0105 daryti? \u2013 atsakyti tampa labai sunku. Skolintis i\u0161 t\u0117v\u0173, artim\u0173j\u0173 ar \u2013 draug\u0173? O galb\u016bt \u2013 imti vartojam\u0105j\u0105 paskol\u0105 i\u0161 jas i\u0161duodan\u010di\u0173 bendrovi\u0173? Kaip matome, variant\u0173 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":{"0":"post-909","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-gyvenimas"},"yoast_head":"\nK\u0105 svarbu \u017einoti prie\u0161 imant vartojam\u0105j\u0105 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\/ka-svarbu-zinoti-pries-imant-vartojamaja-paskola\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"K\u0105 svarbu \u017einoti prie\u0161 imant vartojam\u0105j\u0105 paskol\u0105? - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"Tikriausiai daugeliui d\u0117l vien\u0173 ar kit\u0173 prie\u017eas\u010di\u0173 yra tek\u0119 susidurti su finansiniais sunkumais. Papuol\u0119 \u012f nepavyd\u0117tin\u0105 da\u017enas ne\u017einome, kaip b\u016bt\u0173 geriausia pasielgti. Tuomet \u012f nat\u016braliai kylant\u012f klausim\u0105 \u2013 k\u0105 daryti? \u2013 atsakyti tampa labai sunku. Skolintis i\u0161 t\u0117v\u0173, artim\u0173j\u0173 ar \u2013 draug\u0173? O galb\u016bt \u2013 imti vartojam\u0105j\u0105 paskol\u0105 i\u0161 jas i\u0161duodan\u010di\u0173 bendrovi\u0173? 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Papuol\u0119 \u012f nepavyd\u0117tin\u0105 da\u017enas ne\u017einome, kaip b\u016bt\u0173 geriausia pasielgti. Tuomet \u012f nat\u016braliai kylant\u012f klausim\u0105 \u2013 k\u0105 daryti? \u2013 atsakyti tampa labai sunku. Skolintis i\u0161 t\u0117v\u0173, artim\u0173j\u0173 ar \u2013 draug\u0173? O galb\u016bt \u2013 imti vartojam\u0105j\u0105 paskol\u0105 i\u0161 jas i\u0161duodan\u010di\u0173 bendrovi\u0173? 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