Rugs\u0117j\u012f Norges Bank padidino pal\u016bkan\u0173 normas. B\u016bsto paskol\u0173 tur\u0117tojai tikrai jau sp\u0117jo u\u017eduoti sau klausim\u0105: kaip tai paveiks mano m\u0117nesin\u0119 \u012fmok\u0105? \u0160iame straipsnyje pasistengsime \u012f j\u012f atsakyti.<\/p>\n\n\n\n
Pal\u016bkan\u0173 norma \u2013 tai ne kas kita kaip banko suteiktos paskolos kaina. B\u016btent pal\u016bkan\u0173 suma\u017einimas arba padidinimas lemia m\u0117nesin\u0117s \u012fmokos dyd\u012f. Bazines pal\u016bkan\u0173 normas gali reguliuoti tik centriniai bankai, \u0161iuo atveju \u2013 Norges Bank.<\/p>\n\n\n\n
Primename, kad rugs\u0117jo m\u0117nes\u012f Norges Bank pak\u0117l\u0117 bazin\u0119 pal\u016bkan\u0173 norm\u0105 nuo 0% iki 0,25%<\/strong>. Tok\u012f sprendim\u0105 l\u0117m\u0117 pasaulin\u0117s koronaviruso pandemijos sukeltos situacijos pasitaisymas. <\/p>\n\n\n\n Norges Bank paskelb\u0117, kad kitas pal\u016bkan\u0173 norm\u0173 padidinimas tur\u0117t\u0173 \u012fvykti gruod\u017eio m\u0117nes\u012f. Kol kas neai\u0161ku kiek planuojama jas pakelti. <\/p>\n\n\n\n D\u0117l pasaulin\u0117s koronaviruso pandemijos pal\u016bkan\u0173 normos buvo suma\u017eintos iki nulio. Norges Bank nusprend\u0117 \u017eengti tok\u012f \u017eingsn\u012f tam, kad nuramint\u0173 skolininkus bei apsaugot\u0173 \u0161alies ekonomik\u0105. Po vakcinos atsiradimo ir apribojim\u0173 panaikinimo \u0161alis pama\u017eu gr\u012f\u017eta \u012f prie\u0161pandemin\u0119 realyb\u0119, kas vyksta ir bankininkyst\u0117s srityje.<\/p>\n\n\n\n Pal\u016bkan\u0173 normos didinimas paveiks m\u0117nesin\u0119 b\u016bsto paskolos \u012fmok\u0105.<\/strong> \u012e \u0161\u012f pakeitim\u0105 b\u016btina atsi\u017evelgti planuojant asmenin\u012f biud\u017eet\u0105. Kokia bus nauja \u012fmoka? Paai\u0161kiname \u017eemiau esan\u010diame pavyzdyje.<\/p>\n\n\n\n Tarkime, kad Kazlausk\u0173 \u0161eima spalio m\u0117nes\u012f (t.y. jau po pal\u016bkan\u0173 normos padidinimo) pasi\u0117m\u0117 b\u016bsto paskol\u0105. J\u0173 kreditingumas suteik\u0117 jiems teis\u0119 pasiimti 3 500 000 NOK paskol\u0105 30 met\u0173 laikotarpiui. Nominalioji pal\u016bkan\u0173 norma \u0161iuo atveju yra 2,9%, o faktin\u0117 \u2013 3,03%.<\/p>\n\n\n\n Prie\u0161 pradedant reguliariai mok\u0117ti paskolos \u012fmokas, bankas taip pat nor\u0117s gauti vadinam\u0105j\u012f \u201eEtabl.gebyr\u201c, t.y. vienkartin\u012f 30 000 NOK sutarties sudarymo mokest\u012f. Tokiu atveju m\u0117nesin\u0117 paskolos \u012fmoka tur\u0117t\u0173 b\u016bti 14 743 NOK. Be \u012fmokos, taip pat reikia atsi\u017evelgti \u012f 50 NOK m\u0117nesin\u012f administravimo mokest\u012f.<\/p>\n\n\n\n Per vis\u0105 paskolos mok\u0117jimo laikotarp\u012f bendra pal\u016bkan\u0173 suma tur\u0117t\u0173 b\u016bti ma\u017edaug 1 807 449 NOK. Kitaip tariant, imant 3 500 000 NOK b\u016bsto paskol\u0105, i\u0161 viso reik\u0117t\u0173 gr\u0105\u017einti 5 307 449 NOK.<\/p>\n\n\n\n Kaip parod\u0117 pandemija, reikia pasiruo\u0161ti viskam. Verta prisiminti, kad per \u0161iuos pavyzdinius 30 paskolos gr\u0105\u017einimo met\u0173 gali nutikti ka\u017ekas, kas tur\u0117s \u012ftakos valstybinei bei pasaulinei finansinei situacijai. Tai gali stipriai paveikti skolininkus ir j\u0173 asmenin\u012f biud\u017eet\u0105.<\/strong> B\u016btent tod\u0117l, svarstant apie b\u016bsto paskolos pa\u0117mim\u0105, b\u016btina atsi\u017evelgti \u012f visus auk\u0161\u010diau pamin\u0117tus veiksnius.<\/p>\n","protected":false},"excerpt":{"rendered":" Rugs\u0117j\u012f Norges Bank padidino pal\u016bkan\u0173 normas. B\u016bsto paskol\u0173 tur\u0117tojai tikrai jau sp\u0117jo u\u017eduoti sau klausim\u0105: kaip tai paveiks mano m\u0117nesin\u0119 \u012fmok\u0105? \u0160iame straipsnyje pasistengsime \u012f j\u012f atsakyti. PAL\u016aKAN\u0172 NORMA \u2013 KAS TAI? Pal\u016bkan\u0173 norma \u2013 tai ne kas kita kaip banko suteiktos paskolos kaina. B\u016btent pal\u016bkan\u0173 suma\u017einimas arba padidinimas lemia m\u0117nesin\u0117s \u012fmokos dyd\u012f. Bazines pal\u016bkan\u0173…<\/p>\n","protected":false},"author":14,"featured_media":7911,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-5546","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\/5546","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=5546"}],"version-history":[{"count":1,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5546\/revisions"}],"predecessor-version":[{"id":5547,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5546\/revisions\/5547"}],"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\/7911"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=5546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/categories?post=5546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tags?post=5546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}KORONAVIRUSO PANDEMIJOS \u012eTAKA PASKOLOMS<\/h2>\n\n\n\n
PAL\u016aKAN\u0172 NORMA IR PASKOLOS \u012eMOKA<\/h2>\n\n\n\n
BESIKEI\u010cIANTI SITUACIJA PASAULYJE IR \u0160ALYJE<\/h2>\n\n\n\n