{"id":7691,"date":"2026-02-17T12:58:43","date_gmt":"2026-02-17T12:58:43","guid":{"rendered":"https:\/\/www.motty.no\/?p=7691"},"modified":"2026-02-17T12:58:44","modified_gmt":"2026-02-17T12:58:44","slug":"kredito-imokos-norvegijoje","status":"publish","type":"post","link":"https:\/\/www.motty.no\/lt\/artikler\/privati-ekonomika\/kredito-imokos-norvegijoje","title":{"rendered":"Kredito \u012fmokos Norvegijoje \u2013 kiek galite mok\u0117ti ma\u017eiau? Perskaitykite m\u016bs\u0173 klient\u0173 s\u0117km\u0117s istorijas"},"content":{"rendered":"\n<p>Svarstote, kiek galite suma\u017einti savo kredito \u012fmokas Norvegijoje? Mes esame kredito tarpininkavimo \u012fmon\u0117, veikianti Norvegijoje nuo 1985 met\u0173. Specializuojam\u0117s finansin\u0117se konsultacijose ir padedame klientams gauti vartojimo paskolas, refinansuoti skolas, gauti b\u016bsto paskolas bei kredito korteles.<\/p>\n\n\n\n<p>Bendradarbiaudami su daugiau nei 20 bank\u0173, galime pasi\u016blyti konkurencingiausias s\u0105lygas \u2013 visi\u0161kai nemokamai klientui.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Case Study 1: Pal\u016bkan\u0173 suma\u017einimas ir skol\u0173 konsolidavimas<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Kliento situacija<\/h3>\n\n\n\n<p>Klientas tur\u0117jo tris skirtingus finansinius \u012fsipareigojimus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vartojimo paskola \u201eLea Bank\u201c: 10 143,90 kr su 18,3 % pal\u016bkanomis<\/li>\n\n\n\n<li>Vartojimo paskola \u201eTF Bank\u201c: 145 714,45 kr su 15,9 % pal\u016bkanomis<\/li>\n\n\n\n<li>Kredito kortel\u0117 \u201eSantander\u201c: 7 177,49 kr su 22 % pal\u016bkanomis<\/li>\n<\/ul>\n\n\n\n<p>Bendra skola: <strong>163 035,84 kr<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">I\u0161\u0161\u016bkis<\/h3>\n\n\n\n<p>Didel\u0117s pal\u016bkanos ir kelios skirtingos \u012fmokos apsunkino finans\u0173 valdym\u0105. Skolos buvo paskirstytos per kelis bankus, tod\u0117l bendros i\u0161laidos buvo auk\u0161tos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u016bs\u0173 sprendimas<\/h3>\n\n\n\n<p>Pasi\u016bl\u0117me refinansavimo sprendim\u0105:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nauja paskola \u201eLea Bank\u201c: 350 000 kr su 9,38 % nominaliomis pal\u016bkanomis<\/li>\n\n\n\n<li>Refinansuota suma: 163 035,84 kr<\/li>\n\n\n\n<li>Papildomos l\u0117\u0161os laisvam naudojimui: 186 964,16 kr<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Rezultatai<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pal\u016bkan\u0173 suma\u017einimas: nuo 22 % iki 9,38 %<\/li>\n\n\n\n<li>Viena \u012fmoka vietoj trij\u0173<\/li>\n\n\n\n<li>186 964,16 kr papildom\u0173 l\u0117\u0161\u0173<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Case Study 2: Kompleksinis refinansavimas ir papildomas finansavimas<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Situacija<\/h3>\n\n\n\n<p>Klientas tur\u0117jo du \u012fsipareigojimus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vartojimo paskola \u201eLea Bank\u201c: 336 491,29 kr su 12,7 % pal\u016bkanomis<\/li>\n\n\n\n<li>Vartojimo paskola \u201eMorrow Bank\u201c: 46 158,98 kr su 15 % pal\u016bkanomis<\/li>\n<\/ul>\n\n\n\n<p>Bendra skola: <strong>382 650,27 kr<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u016bs\u0173 sprendimas<\/h3>\n\n\n\n<p>Organizavome refinansavim\u0105:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nauja paskola \u201eLea Bank\u201c: 443 000 kr su 9,38 % nominaliomis pal\u016bkanomis<\/li>\n\n\n\n<li>Refinansuota suma: 382 650,27 kr<\/li>\n\n\n\n<li>Papildomos l\u0117\u0161os: 60 349,73 kr<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Nauda klientui<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pal\u016bkan\u0173 suma\u017einimas nuo 15 % iki 9,38 %<\/li>\n\n\n\n<li>Viena m\u0117nesin\u0117 \u012fmoka vietoj dviej\u0173<\/li>\n\n\n\n<li>60 349,73 kr papildomam finansiniam lankstumui<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Kredito \u012fmokos Norvegijoje gali b\u016bti ma\u017eesn\u0117s \u2013 rinkit\u0117s Motty<\/h2>\n\n\n\n<p>M\u016bs\u0173 refinansavimo paslaugos pad\u0117jo klientams suma\u017einti kredito \u012fmokas Norvegijoje, optimizuoti i\u0161laidas ir atgauti finansin\u0119 kontrol\u0119.<\/p>\n\n\n\n<p>Jeigu j\u016bs\u0173 \u012fmokos yra per didel\u0117s ir norite su\u017einoti, kiek galite sutaupyti, susisiekite su mumis. <a href=\"https:\/\/www.motty.no\/lt\/susisiekite-su\" data-type=\"link\" data-id=\"https:\/\/www.motty.no\/lt\/susisiekite-su\">Parinksime geriausi\u0105 sprendim\u0105 pagal j\u016bs\u0173 situacij\u0105<\/a> \u2013 nemokamai ir be \u012fsipareigojim\u0173.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Svarstote, kiek galite suma\u017einti savo kredito \u012fmokas Norvegijoje? Mes esame kredito tarpininkavimo \u012fmon\u0117, veikianti Norvegijoje nuo 1985 met\u0173. Specializuojam\u0117s finansin\u0117se konsultacijose ir padedame klientams gauti vartojimo paskolas, refinansuoti skolas, gauti b\u016bsto paskolas bei kredito korteles. Bendradarbiaudami su daugiau nei 20 bank\u0173, galime pasi\u016blyti konkurencingiausias s\u0105lygas \u2013 visi\u0161kai nemokamai klientui. Case Study 1: Pal\u016bkan\u0173 suma\u017einimas ir&#8230;<\/p>\n","protected":false},"author":16,"featured_media":7692,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-7691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-privati-ekonomika"],"acf":{"posts_author":[2651],"show_last_updated":false},"_links":{"self":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/7691","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\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/comments?post=7691"}],"version-history":[{"count":2,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/7691\/revisions"}],"predecessor-version":[{"id":7703,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/posts\/7691\/revisions\/7703"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/forfatter\/2651"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media\/7692"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=7691"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/categories?post=7691"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tags?post=7691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}