{"id":5550,"date":"2025-03-07T15:10:57","date_gmt":"2025-03-07T15:10:57","guid":{"rendered":"https:\/\/www.motty.no\/?p=5550"},"modified":"2026-02-20T11:24:53","modified_gmt":"2026-02-20T11:24:53","slug":"palukanu-norma-kas-tai-ir-kokia-itaka-daro-musu-finansams","status":"publish","type":"post","link":"https:\/\/www.motty.no\/lt\/artikler\/privati-ekonomika\/palukanu-norma-kas-tai-ir-kokia-itaka-daro-musu-finansams","title":{"rendered":"PAL\u016aKAN\u0172 NORMA \u2013 KAS TAI IR KOKI\u0104 \u012eTAK\u0104 DARO M\u016aS\u0172 FINANSAMS?"},"content":{"rendered":"\n<p>Nuo pandemijos prad\u017eios pal\u016bkan\u0173 norma Norvegijoje nekintamai siekia 0%. Vis d\u0117lto, Norges Bank numato, kad ji grei\u010diausiai pakils jau rugs\u0117jo m\u0117nes\u012f. K\u0105 tai gali reik\u0161ti J\u016bs\u0173 nam\u0173 biud\u017eetui?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">PAL\u016aKAN\u0172 NORMA \u2013 KAS TAI?<\/h2>\n\n\n\n<p>Pal\u016bkan\u0173 norma \u2013 tai kitaip tariant pinig\u0173 kaina, kuri\u0105 reikia sumok\u0117ti u\u017e j\u0173 pasiskolinim\u0105. Yra daug pal\u016bkan\u0173 norm\u0173 r\u016b\u0161i\u0173, bet \u0161iuo atveju mus labiausiai domina&nbsp;<strong>bazin\u0117 pal\u016bkan\u0173 norma<\/strong>, kuri\u0105 nustato centriniai bankai.&nbsp;<\/p>\n\n\n\n<p>Centrini\u0173 bank\u0173 pal\u016bkan\u0173 normos \u2013 Lietuvoje centriniu yra Lietuvos bankas, o Norvegijoje Norges Bank \u2013 vis\u0173 pirma reguliuoja pinig\u0173, esan\u010di\u0173 rinkoje, kiek\u012f. D\u0117l \u0161ios prie\u017easties jos yra vienu i\u0161 \u0161alies ekonomik\u0105 reguliuojan\u010di\u0173 veiksni\u0173.&nbsp;<\/p>\n\n\n\n<p>Pal\u016bkan\u0173 norm\u0173 lygis taip pat yra glaud\u017eiai susij\u0119s su&nbsp;<a href=\"https:\/\/lt.motty.no\/kodel-yra-reikalinga-zema-stabili-infliacija\/\" rel=\"nofollow noopener\" target=\"_blank\">infliacija<\/a>. Nor\u0117dami i\u0161vengti nuolatinio produkt\u0173 ir paslaug\u0173 kain\u0173 svyravimo, centriniai bankai reguliuoja pinig\u0173 vert\u0119 nustatom\u0173 pal\u016bkan\u0173 norm\u0173 pagalba. Tiek teorijos, ta\u010diau kaip tai atrodo praktikoje?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">KADA PAL\u016aKAN\u0172 NORMOS YRA \u017dEMOS?<\/h2>\n\n\n\n<p>Centriniai bankai nutaria ma\u017einti pal\u016bkan\u0173 normas tada, kai \u017emon\u0117s nustoja investuoti savo pinigus ir susilaiko nuo pirkimo. Tai vyksta finansini\u0173 krizi\u0173 ir recesijos metu, kai suma\u017e\u0117ja vartojimas ir pablog\u0117ja bendra \u0161alies ekonomin\u0117 pad\u0117tis.&nbsp;<\/p>\n\n\n\n<p>Kaip v\u0117l atgaivinti ekonomik\u0105? I\u0161eitimi i\u0161 \u0161ios sunkios pad\u0117ties yra&nbsp;<strong>\u017emoni\u0173 skatinimas i\u0161laidoms<\/strong>. \u0160iuo atveju taisykl\u0117 yra paprasta: kuo didesnis vartojimas \u2013 tuo geriau. Tokie centrini\u0173 bank\u0173 veiksmai yra vadinami&nbsp;<strong>ekspansine pinig\u0173 politika<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u017dEMA PAL\u016aKAN\u0172 NORMA IR PASKOLOS PAL\u016aKANOS<\/h2>\n\n\n\n<p>Kas yra svarbu eiliniam klientui \u2013 \u017eemesn\u0117s centrinio banko pal\u016bkan\u0173 normos rei\u0161kia ma\u017eesnes m\u0117nesini\u0173 b\u016bsto paskol\u0173 \u012fmok\u0173 i\u0161laidas komerciniuose bankuose. To d\u0117ka daugiau \u017emoni\u0173 pasiekia reikiam\u0105 kreditingum\u0105 ir nusprend\u017eia \u012fsigyti nuosav\u0105 b\u016bst\u0105.<\/p>\n\n\n\n<p>Kadangi daugiau \u017emoni\u0173 pasiekia reikiam\u0105 kreditingum\u0105, augantis suteikiam\u0173 b\u016bsto paskol\u0173 skai\u010dius bei nekilnojamojo turto rinkos apgultis daro \u012ftak\u0105 b\u016bst\u0173 kainoms. Kai pal\u016bkan\u0173 normos yra \u017eemos, nekilnojamojo turto kainos pradeda palaipsniui \u2013 o kai kada ir staigiai \u2013 augti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">PAL\u016aKAN\u0172 NORMOS AUGA \u2013 KOD\u0116L?<\/h2>\n\n\n\n<p>Centriniai bankai taip pat gali padidinti pal\u016bkan\u0173 normas. Tai da\u017eniausiai vyksta, kai produkt\u0173 ir paslaug\u0173 kainos drasti\u0161kai kyla ir u\u017e tam tikr\u0105 pinig\u0173 sum\u0105 galime nusipirkti ma\u017eiau preki\u0173.&nbsp;<\/p>\n\n\n\n<p>Pal\u016bkan\u0173 normos pakilimas padeda sustabdyti nepalank\u0173 ekonomikai kain\u0173 augim\u0105 ir&nbsp;<strong>paskatinti \u017emones taupyti<\/strong>. Tuo pa\u010diu yra ma\u017einamas vartojimas ir investavimas \u2013 \u017emon\u0117s i\u0161leid\u017eia ir perka ma\u017eiau bei atideda pinigus ind\u0117liams.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AUK\u0160TESN\u0116 PAL\u016aKAN\u0172 NORMA \u2013 DIDESN\u0116 PASKOLOS KAINA<\/h2>\n\n\n\n<p>Kai centrinio banko pal\u016bkan\u0173 norma auga, kartu su ja auga ir komercini\u0173 bank\u0173 paskol\u0173 suteikimo i\u0161laidos. M\u0117nesin\u0117s \u012fmokos tampa vis auk\u0161tesn\u0117s ir&nbsp;<strong>vis ma\u017eiau \u017emoni\u0173 gali sau leisti paimti b\u016bsto paskol\u0105<\/strong>. D\u0117l to paklausa nekilnojamojo turto rinkoje ma\u017e\u0117ja.<\/p>\n\n\n\n<p>Taigi, auk\u0161tesn\u0117 pal\u016bkan\u0173 norma rei\u0161kia pigesn\u012f b\u016bst\u0105, bet klientams ma\u017eiau patrauklius paskolos pasi\u016blymus. \u017dema pal\u016bkan\u0173 norma \u2013 ma\u017eas paskolos \u012fmokas, ta\u010diau daug didesnes nekilnojamojo turto kainas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nuo pandemijos prad\u017eios pal\u016bkan\u0173 norma Norvegijoje nekintamai siekia 0%. Vis d\u0117lto, Norges Bank numato, kad ji grei\u010diausiai pakils jau rugs\u0117jo m\u0117nes\u012f. K\u0105 tai gali reik\u0161ti J\u016bs\u0173 nam\u0173 biud\u017eetui? PAL\u016aKAN\u0172 NORMA \u2013 KAS TAI? Pal\u016bkan\u0173 norma \u2013 tai kitaip tariant pinig\u0173 kaina, kuri\u0105 reikia sumok\u0117ti u\u017e j\u0173 pasiskolinim\u0105. Yra daug pal\u016bkan\u0173 norm\u0173 r\u016b\u0161i\u0173, bet \u0161iuo atveju&#8230;<\/p>\n","protected":false},"author":14,"featured_media":7898,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-5550","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\/5550","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=5550"}],"version-history":[{"count":1,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5550\/revisions"}],"predecessor-version":[{"id":5551,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5550\/revisions\/5551"}],"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\/7898"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=5550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/categories?post=5550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tags?post=5550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}