{"id":5540,"date":"2025-03-07T15:05:42","date_gmt":"2025-03-07T15:05:42","guid":{"rendered":"https:\/\/www.motty.no\/?p=5540"},"modified":"2026-02-17T10:32:50","modified_gmt":"2026-02-17T10:32:50","slug":"busto-paskola-norvegijoje-2","status":"publish","type":"post","link":"https:\/\/www.motty.no\/lt\/artikler\/privati-ekonomika\/busto-paskola-norvegijoje-2","title":{"rendered":"B\u016bsto paskola Norvegijoje \u2013 koki\u0173 dokument\u0173 reikia?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">B\u016bsto paskola Norvegijoje gali atrodyti sud\u0117tingas procesas, ta\u010diau tinkamai pasiruo\u0161us jis tampa ai\u0161kus ir strukt\u016bruotas. Svarbiausia \u2013 \u017einoti, kokius dokumentus bankas vertins ir kokias s\u0105lygas b\u016btina atitikti prie\u0161 teikiant parai\u0161k\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u017demiau rasite ai\u0161k\u0173 ir prakti\u0161k\u0105 s\u0105ra\u0161\u0105, kuris pad\u0117s pasiruo\u0161ti s\u0117kmingai.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pagrindin\u0117s s\u0105lygos prie\u0161 teikiant parai\u0161k\u0105<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Norint kreiptis d\u0117l b\u016bsto paskolos, turite:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tur\u0117ti <strong>nuolatin\u012f asmens kod\u0105 (f\u00f8dselsnummer)<\/strong>,<\/li>\n\n\n\n<li>dirbti pagal <strong>neterminuot\u0105 darbo sutart\u012f<\/strong> (da\u017eniausiai bent 6 m\u0117n.),<\/li>\n\n\n\n<li>tur\u0117ti <strong>pradin\u012f \u012fna\u0161\u0105 \u2013 ne ma\u017eiau kaip 15 % b\u016bsto vert\u0117s<\/strong>,<\/li>\n\n\n\n<li>netur\u0117ti registruot\u0173 skol\u0173 ar mok\u0117jimo pa\u017eeidim\u0173.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu atitinkate \u0161iuos kriterijus, galite prad\u0117ti ruo\u0161tis dokument\u0173 pateikimui.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1\ufe0f\u20e3 Parai\u0161ka d\u0117l b\u016bsto paskolos<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Parai\u0161ka yra viso proceso pagrindas. Joje pateikiate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>asmens ir kontaktinius duomenis,<\/li>\n\n\n\n<li>informacij\u0105 apie darb\u0105 ir pajamas,<\/li>\n\n\n\n<li>turimus \u012fsipareigojimus (paskolas, kredito korteles),<\/li>\n\n\n\n<li>duomenis apie dabartin\u0119 finansin\u0119 situacij\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bankas \u0161iuos duomenis tikrins per <strong>Gjeldsregisteret<\/strong>, tod\u0117l svarbu pateikti tiksli\u0105 informacij\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2\ufe0f\u20e3 Pajam\u0173 patvirtinimas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankai paprastai reikalauja:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 paskutini\u0173 atlyginimo lapeli\u0173,<\/li>\n\n\n\n<li>darbo sutarties kopijos,<\/li>\n\n\n\n<li>naujausios mokes\u010di\u0173 deklaracijos (skattemelding).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu gaunate papildomas pajamas (nuoma, individuali veikla ir kt.), jas taip pat b\u016btina nurodyti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3\ufe0f\u20e3 Pradinio \u012fna\u0161o patvirtinimas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pradinis \u012fna\u0161as turi sudaryti ma\u017eiausiai 15 % perkamo turto vert\u0117s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kaip \u012frodymas pateikiama:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>banko s\u0105skaitos i\u0161ra\u0161as,<\/li>\n\n\n\n<li>paveld\u0117jimo dokumentai (jei l\u0117\u0161os gautos paveld\u0117jimo b\u016bdu),<\/li>\n\n\n\n<li>turto pardavimo dokumentai (jei \u012fna\u0161as i\u0161 ankstesnio turto).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbu: pradinis \u012fna\u0161as negali b\u016bti finansuojamas vartojimo paskola.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4\ufe0f\u20e3 Papildomi dokumentai<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Teikiant parai\u0161k\u0105 taip pat gali prireikti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ataskaitos i\u0161 <strong>Gjeldsregisteret<\/strong> (apie esamas paskolas ir kredito korteles),<\/li>\n\n\n\n<li>nuomos sutarties (jei \u0161iuo metu nuomojate b\u016bst\u0105),<\/li>\n\n\n\n<li>perkamo turto pardavimo pasi\u016blymo kopijos.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Ar \u012fmanoma b\u016bsto paskola Norvegijoje be pradinio \u012fna\u0161o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kai kuriais atvejais taip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Galimi sprendimai:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>F\u00f8rstehjemsl\u00e5n<\/strong> \u2013 pirmojo b\u016bsto paskola be pradinio \u012fna\u0161o (jei iki \u0161iol netur\u0117jote nuosavyb\u0117s).<br><strong>Startl\u00e5n<\/strong> \u2013 savivaldyb\u0117s teikiama paskola tiems, kurie neatitinka standartini\u0173 bank\u0173 reikalavim\u0173.<br><strong>Grunnl\u00e5n<\/strong> \u2013 finansavimas per Husbanken.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kiekvienas atvejis vertinamas individualiai.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Norite padidinti savo galimybes?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tinkamai paruo\u0161ti dokumentai gali reik\u0161mingai padidinti tikimyb\u0119 gauti b\u016bsto paskol\u0105 Norvegijoje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u016bs\u0173 specialistai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fvertins j\u016bs\u0173 finansin\u0119 situacij\u0105,<\/li>\n\n\n\n<li>patikrins dokument\u0173 paruo\u0161im\u0105,<\/li>\n\n\n\n<li>pateiks parai\u0161k\u0105 keliems bankams,<\/li>\n\n\n\n<li>pad\u0117s pasirinkti palankiausi\u0105 pasi\u016blym\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Paslaugos klientui yra <strong>nemokamos ir be \u012fsipareigojim\u0173<\/strong> \u2013 komisinius moka bankas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu planuojate kreiptis d\u0117l b\u016bsto paskolos Norvegijoje, pasiruo\u0161imas yra pirmas ir svarbiausias \u017eingsnis. <a href=\"https:\/\/www.motty.no\/lt\/susisiekite-su\" data-type=\"link\" data-id=\"https:\/\/www.motty.no\/lt\/susisiekite-su\">O mes galime pad\u0117ti j\u012f \u017eengti u\u017etikrintai.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u016bsto paskola Norvegijoje gali atrodyti sud\u0117tingas procesas, ta\u010diau tinkamai pasiruo\u0161us jis tampa ai\u0161kus ir strukt\u016bruotas. Svarbiausia \u2013 \u017einoti, kokius dokumentus bankas vertins ir kokias s\u0105lygas b\u016btina atitikti prie\u0161 teikiant parai\u0161k\u0105. \u017demiau rasite ai\u0161k\u0173 ir prakti\u0161k\u0105 s\u0105ra\u0161\u0105, kuris pad\u0117s pasiruo\u0161ti s\u0117kmingai. Pagrindin\u0117s s\u0105lygos prie\u0161 teikiant parai\u0161k\u0105 Norint kreiptis d\u0117l b\u016bsto paskolos, turite: Jeigu atitinkate \u0161iuos kriterijus,&#8230;<\/p>\n","protected":false},"author":14,"featured_media":7671,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-5540","post","type-post","status-publish","format-standard","has-post-thumbnail","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\/5540","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=5540"}],"version-history":[{"count":3,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5540\/revisions"}],"predecessor-version":[{"id":7676,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5540\/revisions\/7676"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/forfatter\/219"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media\/7671"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=5540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/categories?post=5540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tags?post=5540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}