{"id":5536,"date":"2025-03-07T15:04:06","date_gmt":"2025-03-07T15:04:06","guid":{"rendered":"https:\/\/www.motty.no\/?p=5536"},"modified":"2025-03-07T15:04:07","modified_gmt":"2025-03-07T15:04:07","slug":"paskola-norvegijoje-2025-kas-musu-laukia","status":"publish","type":"post","link":"https:\/\/www.motty.no\/lt\/artikler\/privati-ekonomika\/paskola-norvegijoje-2025-kas-musu-laukia","title":{"rendered":"PASKOLA NORVEGIJOJE 2025 \u2013 KAS M\u016aS\u0172 LAUKIA?"},"content":{"rendered":"\n<p>Ar\u00a0naujuosiuose\u00a0metuose bus koki\u0173 nors poky\u010di\u0173 paskolos Norvegijoje\u00a0gavimo\u00a0procese? Finans\u0173 institucijos nenumato nauj\u0173 reikalavim\u0173 kredito \u0117m\u0117jams, ta\u010diau did\u017eiausi\u0105 \u012ftak\u0105 paskoloms tur\u0117s pal\u016bkan\u0173 norm\u0173 did\u0117jimas.<br><br><strong>AUK\u0160TESN\u0116 PAL\u016aKAN\u0172 NORMA = AUK\u0160TESN\u0116 PASKOLOS M\u0116NESIN\u0116 \u012eMOKA<\/strong><\/p>\n\n\n\n<p>Gruod\u017eio viduryje Norges Bank&nbsp;<a href=\"https:\/\/www.norges-bank.no\/tema\/pengepolitikk\/Rentemoter\/2021\/desember-2021\/?tab=117742\" rel=\"nofollow noopener\" target=\"_blank\">prane\u0161\u0117<\/a>&nbsp;apie pagrindin\u0117s pal\u016bkan\u0173 normos pak\u0117lim\u0105 \u2013 nuo \u0161iuo m\u0117nesio ji siekia 0,5%. Tok\u012f sprendim\u0105 l\u0117m\u0117 Norvegijos ekonomikos atsigavimas, taip pat tik\u0117tinas kain\u0173 ir atlyginim\u0173 augimas bei \u017eemas nedarbo lygis.&nbsp;Pal\u016bkan\u0173 normos pak\u0117limas \u012fvyko tuo pa\u010diu metu kai spar\u010diai prad\u0117jo kilti nauj\u0173 ligos atvej\u0173 skai\u010dius ir vald\u017eia \u012fved\u0117 daugyb\u0119 apribojim\u0173, tod\u0117l daug kam kilo klausimas, ar toks sprendimas teisingas.&nbsp;Norges Bank ekspert\u0173 teigimu, pandemija netur\u0117t\u0173 riboti ekonomikos pl\u0117tros, dabartiniai apribojimai gali tik laikinai j\u012f pristabdyti. Kai suma\u017e\u0117s ligos atvej\u0173 skai\u010dius ir links panaikinti apribojimai, ekonomikos pl\u0117tra tur\u0117t\u0173 t\u0119stis.<\/p>\n\n\n\n<p><strong>Kiekvienas pal\u016bkan\u0173 normos pokytis, tai taip pat m\u0117nesin\u0117s \u012fmokos pokytis.<\/strong>\u00a0Norges Bank paskelb\u0117, kad kitas sprendimas d\u0117l pal\u016bkan\u0173 norm\u0173 dyd\u017eio\u00a0<strong>bus paskelbtas 2025 met\u0173 kovo m\u0117nes\u012f.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0104 REIKIA PADARYTI PRIE\u0160 TEIKIANT PARAI\u0160K\u0104 D\u0116L PASKOLOS NORVEGIJOJE?<\/h2>\n\n\n\n<p>Jei norite kreiptis d\u0117l paskolos Norvegijoje, pirmiausia turite atitikti kelet\u0105 pagrindini\u0173 s\u0105lyg\u0173.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Turite tur\u0117ti\u00a0<\/strong><strong>pastov\u0173 personalin\u012f numer\u012f (<\/strong><strong>f\u00f8dselsnummer)\u00a0<\/strong>\u2013 galite j\u012f gauti, jeigu gyvenate Norvegijoje ilgiau nei 6 m\u0117nesius.<\/li>\n\n\n\n<li><strong>Turite tur\u0117ti deklaruot\u0105 gyvenam\u0105j\u0105 viet\u0105\u00a0<\/strong>\u2013 parai\u0161koje turi b\u016bti pateiktas gyvenamosios vietos adresas.<\/li>\n\n\n\n<li><strong>Turite tur\u0117ti darbo sutart\u012f\u00a0<\/strong>\u2013 bankas nor\u0117s su\u017einoti koks yra J\u016bs\u0173 pajam\u0173 \u0161altinis.<\/li>\n\n\n\n<li><strong>Reikia tur\u0117ti pradin\u012f \u012fna\u0161\u0105<\/strong>\u00a0(jeigu norite teikti parai\u0161k\u0105 d\u0117l b\u016bsto paskolos) \u2013 bent 15% nuo nekilnojamojo turto vert\u0117s.<\/li>\n\n\n\n<li><strong>Turite tur\u0117ti norvegi\u0161k\u0105 banko s\u0105skait\u0105 su \u012fjungta BankID paslauga<\/strong>\u00a0\u2013 \u0161ios paslaugos d\u0117ka gal\u0117site sutvarkyti su banku susijusius reikalus internetu.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0104 REIKIA \u012eRA\u0160YTI PASKOLOS PARAI\u0160KOJE?<\/h2>\n\n\n\n<p>Svarbu teisingai u\u017epildyti parai\u0161k\u0105, nes pagal j\u0105 bankai taip pat vertina J\u016bs\u0173 kreditingum\u0105. Verta kreiptis d\u0117l paskolos su bendraparei\u0161k\u0117j\u0173 \u2013 taip pagerinsite savo kreditingum\u0105 ir padidinsite paskolos gavimo galimyb\u0119. Parai\u0161koje, tarp kitko, reik\u0117s pateikti savo duomenis bei informacij\u0105 apie ankstesnes skolas \u2013 bankai tikrins, ar \u012fmokos buvo mokamos reguliariai. Remdamiesi parai\u0161ka ir prid\u0117tais dokumentais, bankai atlieka i\u0161 2 dali\u0173 susidedanti vertinim\u0105, kuris nustatys J\u016bs\u0173 kreditingum\u0105.<\/p>\n\n\n\n<p><strong>Kiekybinis vertinimas&nbsp;<\/strong>\u2013 bankas tikrina J\u016bs\u0173 pajam\u0173 \u0161altinius u\u017e 3 paskutinius metus ir \u0161iuo metu turimus \u012fsiskolinimus.<\/p>\n\n\n\n<p><strong>Kokybinis vertinimas<\/strong>&nbsp;\u2013 jo metu bankas analizuoja J\u016bs\u0173 finansin\u0119 pad\u0117t\u012f ir tikrina kredito istorij\u0105. Pagal tai vertina, ar laiku mok\u0117site \u012fmokas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AR VERTA PASINAUDOTI PASKOL\u0172 PATAR\u0116J\u0172 PAGALBA? \u017dINOMA!<\/h2>\n\n\n\n<p>Jei pildydami parai\u0161k\u0105 ir rinkdami dokumentus, reikalingus paskolai gauti, nesijau\u010diate u\u017etikrintai, galite pasinaudoti m\u016bs\u0173 pagalba! Pad\u0117sime sutvarkyti visus formalumus ir i\u0161si\u0173sime J\u016bs\u0173 parai\u0161k\u0105 \u012f keliolika bank\u0173. Atsakydami jie atsi\u0173s savo pasi\u016blymus, i\u0161 kuri\u0173 i\u0161sirinksite sau tinkamiausi\u0105.&nbsp;<\/p>\n\n\n\n<p><strong>M\u016bs\u0173 pagalba yra visi\u0161kai nemokama.&nbsp;<\/strong>Tai bankas, kurio pasi\u016blym\u0105 pasirinksite, mums moka u\u017e tarpininkavim\u0105!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ar\u00a0naujuosiuose\u00a0metuose bus koki\u0173 nors poky\u010di\u0173 paskolos Norvegijoje\u00a0gavimo\u00a0procese? Finans\u0173 institucijos nenumato nauj\u0173 reikalavim\u0173 kredito \u0117m\u0117jams, ta\u010diau did\u017eiausi\u0105 \u012ftak\u0105 paskoloms tur\u0117s pal\u016bkan\u0173 norm\u0173 did\u0117jimas. AUK\u0160TESN\u0116 PAL\u016aKAN\u0172 NORMA = AUK\u0160TESN\u0116 PASKOLOS M\u0116NESIN\u0116 \u012eMOKA Gruod\u017eio viduryje Norges Bank&nbsp;prane\u0161\u0117&nbsp;apie pagrindin\u0117s pal\u016bkan\u0173 normos pak\u0117lim\u0105 \u2013 nuo \u0161iuo m\u0117nesio ji siekia 0,5%. Tok\u012f sprendim\u0105 l\u0117m\u0117 Norvegijos ekonomikos atsigavimas, taip pat tik\u0117tinas kain\u0173&#8230;<\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-5536","post","type-post","status-publish","format-standard","hentry","category-privati-ekonomika"],"acf":{"posts_author":[219],"show_last_updated":false},"_links":{"self":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5536","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/comments?post=5536"}],"version-history":[{"count":1,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5536\/revisions"}],"predecessor-version":[{"id":5537,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5536\/revisions\/5537"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/forfatter\/219"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=5536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/categories?post=5536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tags?post=5536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}