{"id":5562,"date":"2025-03-07T15:16:47","date_gmt":"2025-03-07T15:16:47","guid":{"rendered":"https:\/\/www.motty.no\/?p=5562"},"modified":"2026-02-17T13:35:42","modified_gmt":"2026-02-17T13:35:42","slug":"refinansavimas-norvegijoje","status":"publish","type":"post","link":"https:\/\/www.motty.no\/lt\/artikler\/privati-ekonomika\/refinansavimas-norvegijoje","title":{"rendered":"Refinansavimas Norvegijoje \u2013 b\u016bdas suma\u017einti nam\u0173 \u016bkio finansin\u0119 na\u0161t\u0105"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Refinansavimas Norvegijoje yra sprendimas ne tik tiems, kurie turi daug \u012fsipareigojim\u0173. J\u012f verta apsvarstyti ir tuo atveju, jei turite vien\u0105 paskol\u0105 nepalankiomis s\u0105lygomis arba naudojat\u0117s kreditine kortele su auk\u0161tomis pal\u016bkanomis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finans\u0173 specialistai taip pat rekomenduoja refinansavim\u0105 asmenims, susid\u016brusiems su mokumo sunkumais. Su\u017einokite, kaip veikia paskol\u0173 sujungimas Norvegijoje, kokie jo privalumai ir kokias s\u0105lygas reikia atitikti norint gauti refinansavimo paskol\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas yra refinansavimo paskola?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Paprastai tariant, refinansavimo paskola \u2013 tai galimyb\u0117 padengti vien\u0105 ar kelis turimus \u012fsipareigojimus nauja paskola, da\u017enai palankesn\u0117mis s\u0105lygomis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nors naujos paskolos pa\u0117mimas skoloms padengti gali pasirodyti nelogi\u0161kas sprendimas, praktikoje refinansavimas leid\u017eia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>suma\u017einti pal\u016bkan\u0173 norm\u0105,<\/li>\n\n\n\n<li>sujungti kelias \u012fmokas \u012f vien\u0105,<\/li>\n\n\n\n<li>prailginti gr\u0105\u017einimo laikotarp\u012f ir suma\u017einti m\u0117nesin\u0119 \u012fmok\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Refinansavimo d\u0117ka galite mok\u0117ti vien\u0105 \u012fmok\u0105 vietoj keli\u0173 ir taip papras\u010diau valdyti savo finansus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Refinansuodami skolas galite sutaupyti<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kiekviena paskola ar kredito kortel\u0117 turi savo pal\u016bkanas ir da\u017enai papildomus administracinius mokes\u010dius. Jei turite kelis \u012fsipareigojimus, \u0161ios i\u0161laidos sumuojasi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.motty.no\/lt\/susisiekite-su\" data-type=\"link\" data-id=\"https:\/\/www.motty.no\/lt\/susisiekite-su\">Refinansavimas Norvegijoje<\/a> leid\u017eia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>suma\u017einti bendr\u0105 pal\u016bkan\u0173 na\u0161t\u0105,<\/li>\n\n\n\n<li>mok\u0117ti vien\u0105 m\u0117nesin\u0119 \u012fmok\u0105,<\/li>\n\n\n\n<li>ai\u0161kiau planuoti biud\u017eet\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ma\u017eesn\u0117s m\u0117nesin\u0117s i\u0161laidos rei\u0161kia daugiau finansinio stabilumo ir kontrol\u0117s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kada verta refinansuoti vien\u0105 paskol\u0105?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Refinansuoti verta ne tik turint kelias skolas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu anks\u010diau gavote paskol\u0105 su auk\u0161tomis pal\u016bkanomis, pager\u0117jus j\u016bs\u0173 finansinei situacijai galite kreiptis d\u0117l geresni\u0173 s\u0105lyg\u0173.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finans\u0173 rinka nuolat kei\u010diasi, tod\u0117l prie\u0161 kelerius metus palankus pasi\u016blymas \u0161iandien gali b\u016bti ma\u017eiau konkurencingas. Jeigu jau kur\u012f laik\u0105 mokate paskol\u0105, verta pasitikrinti galimybes refinansuoti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Refinansavimo privalumai trumpai<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Refinansavimas Norvegijoje gali suteikti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>vien\u0105 \u012fmok\u0105 vietoj keli\u0173,<\/li>\n\n\n\n<li>paprastesn\u012f nam\u0173 biud\u017eeto valdym\u0105,<\/li>\n\n\n\n<li>galimyb\u0119 suma\u017einti m\u0117nesin\u0119 \u012fmok\u0105,<\/li>\n\n\n\n<li>lankstesnes gr\u0105\u017einimo s\u0105lygas,<\/li>\n\n\n\n<li>paprast\u0105 parai\u0161kos proces\u0105.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Atkreipkite d\u0117mes\u012f \u012f skirting\u0173 bank\u0173 pasi\u016blymus<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Daugelis mano, kad geriausias refinansavimo pasi\u016blymas bus j\u0173 dabartiniame banke. Ta\u010diau tai neb\u016btinai tiesa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Norint rasti geriausias s\u0105lygas, verta palyginti keli\u0173 bank\u0173 pasi\u016blymus. Jei neturite laiko ar patirties, galite pasinaudoti nemokama tarpinink\u0173 pagalba.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kokius reikalavimus reikia atitikti?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu gyvenate Norvegijoje ir norite gauti refinansavimo paskol\u0105, paprastai turite:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>b\u016bti bent 20 met\u0173 am\u017eiaus,<\/li>\n\n\n\n<li>tur\u0117ti nuolatin\u012f asmens kod\u0105 (f\u00f8dselsnummer),<\/li>\n\n\n\n<li>tur\u0117ti registruot\u0105 gyvenam\u0105j\u012f adres\u0105 Norvegijoje,<\/li>\n\n\n\n<li>gauti stabilias pajamas,<\/li>\n\n\n\n<li>pateikti paskutin\u0119 mokes\u010di\u0173 deklaracij\u0105 (skattemelding),<\/li>\n\n\n\n<li>pateikti atlyginimo lapel\u012f arba pa\u017eym\u0105 i\u0161 NAV (jei gaunate sykepenger, dagpenger ar AAP).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbu: refinansavimas Norvegijoje n\u0117ra galimas asmenims, turintiems tik D-nummer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pasinaudokite m\u016bs\u0173 pagalba<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu svarstote refinansavim\u0105 Norvegijoje, ta\u010diau ne\u017einote nuo ko prad\u0117ti, m\u016bs\u0173 specialistai gali pad\u0117ti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fvertinsime j\u016bs\u0173 finansin\u0119 situacij\u0105,<\/li>\n\n\n\n<li>i\u0161si\u0173sime parai\u0161k\u0105 keliems bankams,<\/li>\n\n\n\n<li>pad\u0117sime pasirinkti palankiausi\u0105 pasi\u016blym\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Parai\u0161kos pateikimas n\u0117ra \u012fpareigojantis, o m\u016bs\u0173 paslaugos klientui yra visi\u0161kai nemokamos \u2013 komisinius moka bankas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Refinansavimas Norvegijoje yra sprendimas ne tik tiems, kurie turi daug \u012fsipareigojim\u0173. J\u012f verta apsvarstyti ir tuo atveju, jei turite vien\u0105 paskol\u0105 nepalankiomis s\u0105lygomis arba naudojat\u0117s kreditine kortele su auk\u0161tomis pal\u016bkanomis. Finans\u0173 specialistai taip pat rekomenduoja refinansavim\u0105 asmenims, susid\u016brusiems su mokumo sunkumais. Su\u017einokite, kaip veikia paskol\u0173 sujungimas Norvegijoje, kokie jo privalumai ir kokias s\u0105lygas reikia atitikti&#8230;<\/p>\n","protected":false},"author":14,"featured_media":7723,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-5562","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\/5562","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=5562"}],"version-history":[{"count":2,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5562\/revisions"}],"predecessor-version":[{"id":7728,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/5562\/revisions\/7728"}],"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\/7723"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=5562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/categories?post=5562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tags?post=5562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}