{"id":2764,"date":"2024-09-06T12:09:52","date_gmt":"2024-09-06T12:09:52","guid":{"rendered":"https:\/\/www.motty.no\/?post_type=tjenester&#038;p=2764"},"modified":"2025-05-21T09:04:10","modified_gmt":"2025-05-21T09:04:10","slug":"paskola","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/lt\/paskola","title":{"rendered":"Paskola"},"content":{"rendered":"\n<div\n    class=\"grid md:grid-cols-2 gap-8 mx-auto container md:px-6 xl:px-28 py-6 items-center\">\n    <div class=\"space-y-10\">\n        <div class=\"space-y-8 md:px-0 px-4\">\n            <h1 class=\"text-[32px] leading-[1.2] md:text-[60px] md:leading-[1.1] md:text-left text-center md:tracking-[-1.2px] font-recklessmedium\">Paskola<\/h1>\n            <p class=\"text-[24px] leading-[1.6] hidden md:block\">\n                Pasiskolinkite pinig\u0173 bet kokiam tikslui &#8211; su u\u017estatu arba be jo            <\/p>\n        <\/div>\n                    <ul class=\"space-y-4 hidden md:block\">\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Lengvas procesas &#8211; greitas bank\u0173 atsakymas                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Visus formalumus galite atlikti internetu                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Pinigai bet kokiam tikslui                    <\/li>\n                            <\/ul>\n                <div class=\"trustpilot-widget w-fit md:block hidden\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n            <script src=\"https:\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\"><\/script>\n        <\/div>\n    <\/div>\n    <div>\n\n    <div data-config='{\"locale\":\"lt\"}' data-id=\"application-form-container\" data-current-form=\"0\" class=\"relative bg-fjellvann-medium-beige p-6 md:p-14 md:rounded-lg z-50\">\n                    <ul class=\"flex gap-2 justify-center mb-8\">\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"true\" data-id=\"consumerLoan\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Vartojimo Paskola                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"mortgage\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            B\u016bsto paskola                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"creditCard\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Kredito kortel\u0117                        <\/button>\n                    <\/li>\n                            <\/ul>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"true\"\n                    data-config='{\"locale\":\"lt\",\"product\":\"consumerLoan\"}' id=\"application-form-0\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"lt\",\"product\":\"mortgage\",\"loanMin\":\"100000\",\"loanMax\":\"20000000\",\"loanDefault\":\"2000000\",\"loanStep\":\"50000\"}' id=\"application-form-1\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"lt\",\"product\":\"creditCard\"}' id=\"application-form-2\" data-id=\"application-form\"><\/div>\n                            <div class=\"trustpilot-widget mt-8 md:hidden block\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div id=\"tic-69f31225ad10d\" class=\"text_image_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 lg:py-[120px] xl:px-28\">\n        <h2 class=\"text-center text-[32px] mb-10 md:mb-20 md:text-[40px]\">Kaip pateikti nemokam\u0105 paskolos parai\u0161k\u0105 internetu<\/h2>\n                <div class=\"flex flex-col gap-10 flex-wrap md:gap-[35px] sm:flex-row\">\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/02\/forst.svg\" class=\"block mx-auto\" alt=\"Paskola Norvegijoje\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">Pirma<\/h3><p>U\u017epildykite ir i\u0161si\u0173skite parai\u0161k\u0105.<\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/02\/sa.svg\" class=\"block mx-auto\" alt=\"Paskola Norvegijoje \u2013 nemokama pagalba i\u0161 Motty\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">Antra<\/h3><p>Per\u017ei\u016br\u0117kite gautus pasi\u016blymus ir pasirinkite Jums tinkamiausi\u0105. <\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/til-slutt.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">Tre\u010dia<\/h3><p>Pasira\u0161ykite sutart\u012f su BankID banko svetain\u0117je.<\/p>            <\/div>\n                    <\/div>\n                <\/div>\n                        <div class=\"mt-20 p-8 rounded-lg flex gap-4 bg-fjellvann-medium-beige items-center text-image-columns-bottom\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"39\" viewBox=\"0 0 34 39\" fill=\"none\">\n            <path d=\"M16.4825 37.8473C14.4745 37.8221 12.8626 36.3904 12.879 35.0412C12.8848 34.5777 13.2489 34.206 13.6942 34.211L19.3558 34.2825C19.8 34.2886 20.1564 34.6684 20.1516 35.1329C20.1361 36.4206 18.4914 37.8715 16.4834 37.8463L16.4825 37.8473Z\" fill=\"#13C27F\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M21.5784 32.5984C21.5844 32.2352 21.3946 31.918 21.1114 31.7589C21.3995 31.6088 21.6003 31.2986 21.6062 30.9354C21.6152 30.4191 21.2276 29.9949 20.7407 29.9858L12.6201 29.8478C12.1332 29.8398 11.7317 30.251 11.7228 30.7673C11.7168 31.1305 11.9066 31.4477 12.1898 31.6068C11.9017 31.7569 11.7009 32.0671 11.695 32.4303C11.689 32.7935 11.8788 33.1107 12.162 33.2698C11.8738 33.4198 11.6731 33.73 11.6671 34.0932C11.6582 34.6095 12.0457 35.0338 12.5327 35.0428L20.6533 35.1809C21.1402 35.1889 21.5416 34.7776 21.5506 34.2613C21.5565 33.8981 21.3667 33.5809 21.0835 33.4218C21.3717 33.2718 21.5724 32.9616 21.5784 32.5984Z\" fill=\"#2264DC\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M26.6955 18.4163C26.7871 12.9086 22.4656 8.36801 17.0443 8.27489C11.623 8.18178 7.15363 12.5722 7.06198 18.0799C7.02059 20.5659 7.87897 22.8548 9.33163 24.6269C9.34937 24.6479 9.43117 24.7331 9.45383 24.7571C11.6555 27.138 12.6686 29.2406 12.6568 29.9534L16.6836 30.0225L20.7104 30.0916C20.7223 29.3807 21.8103 27.3232 24.0819 25.0244C24.1085 24.9974 24.1804 24.9153 24.1923 24.9013C25.7129 23.1782 26.6531 20.9124 26.6945 18.4163H26.6955Z\" fill=\"#F2EBE0\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M13.6064 12.1523C10.9833 13.4641 9.9412 16.6184 11.283 19.1826\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M11.6667 22.3335C12.0684 22.3335 12.394 22.0078 12.394 21.6062C12.394 21.2045 12.0684 20.8789 11.6667 20.8789C11.2651 20.8789 10.9395 21.2045 10.9395 21.6062C10.9395 22.0078 11.2651 22.3335 11.6667 22.3335Z\" fill=\"white\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M16.7578 1V5.84848\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M7.06055 4.39453L9.96964 8.27332\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 12.8789L5.60606 14.3335\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 23.06L5.60606 21.6055\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 22.8178L28.3936 21.3633\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 12.6367L28.3936 14.0913\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M26.6969 4.15234L24.0303 8.03113\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <\/svg>\n            <div class=\"w-[calc(100%-38px)]\">\n                <p><em>Pasi\u016blymai galioja ne ilgiau kaip 30 dien\u0173.<br \/>\n<\/em><em>Jeigu nuspr\u0119site neimti paskolos, galite nutraukti proces\u0105 ir nepasira\u0161yti sutarties.<br \/>\n<span class=\"m-font-size-11 font-size-14\">Procesas vyksta elektroniniu b\u016bdu, naudojant\u00a0<\/span><span class=\"m-font-size-11 font-size-14\">BankID<\/span><span class=\"m-font-size-11 font-size-14\">.<br \/>\nParai\u0161kos apdorojimo laikas 1-2 darbo dienos.<\/span><\/em><\/p>\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"cc-69f31225af7e7\" class=\"text_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-12 px-6 md:py-14 md:px-14 lg:py-[120px] xl:px-28\">\n        <div class=\"flex flex-col flex-wrap md:flex-row gap-12 lg:gap-20\">\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\n                    <div class=\"w-full h-full p-8 flex flex-col gap-8 overflow-hidden bg-fjellvann-medium-beige border-b-8 border-fjellvann-green rounded-lg\">\n                        <h2 class=\"h2\">Parai\u0161kai paruo\u0161kite \u0161iuos duomenis:<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>Paskolos suma<\/li>\n<li>Vardas ir pavard\u0117<\/li>\n<li>Norvegi\u0161kas asmens kodas<\/li>\n<li>El. pa\u0161to adresas<\/li>\n<li>Telefono numeris<\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><p><em><span class=\"font-size-14 m-font-size-11\">Pra\u0161ym\u0105 galite u\u017epildyti ir pateikti patys arba <\/span><a class=\"font-size-14 m-font-size-11\" href=\"https:\/\/www.motty.no\/lt\/susisiekite-su\">papra\u0161yti m\u016bs\u0173 pagalbos!<\/a><br \/>\n<\/em><\/p>\n<p>&nbsp;<\/p>\n<\/div>                    <\/div>\n                <\/div>\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\n                    <div class=\"w-full h-full p-8 flex flex-col gap-8 overflow-hidden bg-fjellvann-medium-beige border-b-8 border-fjellvann-green rounded-lg\">\n                        <h2 class=\"h2\">Galite teikti parai\u0161k\u0105 jeigu:<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>Esate bent 23 met\u0173 am\u017eiaus<\/li>\n<li>J\u016bs\u0173 metin\u0117s pajamos siekia bent 230 000 NOK<\/li>\n<li>Pastaruosius trejus metus gyvenote ir mok\u0117jote mokes\u010dius Norvegijoje<\/li>\n<li class=\"m-size-12 text-align-left size-15\"><span class=\"m-font-size-12 font-size-15\">Pastaba: kiekvienam parei\u0161k\u0117jui yra taikomas kreditingumo vertinimas<\/span><\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><p><em>Visi Norvegijos bankai atlieka parei\u0161k\u0117jo kreditingumo vertinim\u0105. <a href=\"https:\/\/www.motty.no\/lt\/ressurser\/bankordlisten\/kredittsjekk\"><span style=\"text-decoration: underline\">Kas yra kreditingumo patikrinimas?<\/span><\/a><\/em><\/p>\n<\/div>                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f31225b2962\" class=\"feature_content-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 md:p-14 xl:p-28\">\n        <div class=\"flex flex-col gap-6 md:flex-row md:items-center md:gap-[40px] lg:gap-[80px]\">\n                            <div class=\"w-full md:w-[calc(50%-20px)] lg:w-[calc(47%-40px)] order-2 md:order-1\">\n                    <div class=\"flex flex-col gap-6 md:gap-8\">\n                        <h2 class=\"h2\">Gaukite paskol\u0105 internetu<\/h2>                        <div class=\"feature__content-subtitle-contents flex flex-col gap-6\">\n                            <h3 class=\"h4 font-recklessregular\">Kreipkit\u0117s d\u0117l paskolos bet kokiam tikslui<\/h3><div class=\"feature__content-text space-y-6\"><p>Kartais skubiai reikia papildom\u0173 l\u0117\u0161\u0173. Vartojimo paskolos tai geras sprendimas atsiradus didel\u0117ms ar neplanuotoms i\u0161laidoms.<br \/>\n<span class=\"\">Su Motty galite <\/span><span class=\"\">saugiai\u00a0<\/span><span class=\"\">ir\u00a0<\/span><span class=\"\">efektyviai\u00a0<\/span>pateikti parai\u0161k\u0105 vartojimo paskolai nuo 5 000 iki 600 000 NOK.<\/p>\n<\/div>                        <\/div>\n                                                <div class=\"feature_content-btn\">\n                        <a id=\"\" href=\"#content\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 \">Teikti parai\u0161k\u0105<\/a>                        <\/div>\n                                            <\/div>\n                <\/div>\n                                <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f31225b3b01\" class=\"feature_content-outer-container overflow-hidden relative\">\n<svg class=\"absolute top-0 left-0 hidden md:block\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"593\" height=\"615\" viewBox=\"0 0 593 615\" fill=\"none\">\n<path d=\"M203.964 63.4865L203.959 63.4906L203.267 64.141L203.254 64.1539L203.24 64.1671L186.798 80.5602L107.378 159.743L-101.005 367.504V232.603C-101.005 168.792 -49.7295 116.031 14.2431 115.66C38.0374 115.524 60.205 122.563 78.6877 134.751L79.5544 135.322L80.2896 134.589L160.164 54.9526L161.167 53.9531L160.068 53.0604C119.156 19.8147 68.44 1.72514 14.9375 1.72514C-37.6024 1.72514 -87.464 19.1609 -127.994 51.2815V3V1.72514H-129.269H-214H-215.275V3V231.243V234.718V591.884C-215.275 610.597 -192.601 619.941 -179.346 606.725L-152.741 580.203L-153.641 579.3L-152.741 580.203L-130.556 558.079L240.533 188.103L282.602 146.16C303.926 126.593 331.576 115.777 360.607 115.66C424.608 115.397 477.014 168.797 477.014 232.652V601.856C477.014 607.999 482.019 612.981 488.173 612.981H580.123C586.285 612.981 591.282 607.999 591.282 601.856V231.243C591.282 169.937 567.342 112.302 523.858 68.9484C480.383 25.6044 422.566 1.72514 361.085 1.72514C299.602 1.72514 246.73 23.6663 203.964 63.4865ZM130.872 580.582H132.147H243.873H245.147V579.307V238.743V235.671L242.972 237.84L131.247 349.229L130.872 349.602V350.131V579.307V580.582Z\" stroke=\"#00074A\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n<\/svg>\n    <div class=\"container mx-auto py-10 px-6 md:p-14 lg:py-28 xl:px-28 relative z-[5]\">\n        <h2 class=\"h2 text-center\">Paskolos skai\u010diuokl\u0117 &#8211; Kiek man kainuos paskola?<\/h2>        <p class=\"text-center mt-6 text-lg text-fjellvann-dark-blue max-w-[900px] mx-auto\">\u012eveskite sum\u0105, gr\u0105\u017einimo laikotarp\u012f ir pal\u016bkan\u0173 norm\u0105 ir su\u017einokite koki\u0105 m\u0117nesin\u0119 \u012fmok\u0105 tur\u0117site mok\u0117ti.\r\nTaip pat galite patikrinti numatom\u0105 mok\u0117jimo plan\u0105.<\/p>        <div data-product=\"ConsumerLoan\" data-locale=\"lt\" data-type=\"loan cost\" class=\"mt-8 bg-fjellvann-medium-beige p-12 rounded-lg max-w-fit mx-auto\" id=\"loan-calculator\"><\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"69f31225b4442\" class=\"flexible__content-outer-container\">\n    <div class=\"container mx-auto md:px-14 md:py-14 xl:px-28\">\n        <div class=\"flex flex-col md:flex-row gap-10 xl:gap-20 items-start\">\n                                                    <div class=\"flexible__contents-inner-container px-6 md:px-0 md:w-[calc(60%-20px)] md:order-1 xl:w-[65ch] mx-auto\">\n                    <div class=\"flexible__contents-inner-items flex flex-col gap-12 md:gap-14 lg:gap-20\">\n                                                            <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                                                            <\/div>\n                                                                    <div class=\"flexible__contents-accordion\">\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kas yra vartojimo paskol\u0173 refinansavimas?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Vartojimo paskol\u0173 refinansavimas &#8211; tai paskola, kuri\u0105 bankas suteikia nereikalaujant, kad b\u016bt\u0173 \u012fkeistas j\u016bs\u0173 b\u016bstas ar kitas asmeninis turtas. Jums taip pat nereikia laiduotojo. Refinansavimo paskolos da\u017enai naudojamos norint pakeisti brangias ma\u017eas paskolas ir kredit\u0105, su didel\u0117mis pal\u016bkanomis, \u012f nauj\u0105 paskol\u0105 su ma\u017eesn\u0117mis pal\u016bkanomis bei ma\u017eesn\u0117mis i\u0161laidomis. Kuomet refinansuojate, galite suma\u017einti dideles pal\u016bkan\u0173 i\u0161laidas, nemok\u0117ti dvigub\u0173 mokes\u010di\u0173. Tokiu b\u016bdu sutaupysite pinig\u0173.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kaip veikia refinansavimas?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Refinansavimo metu, gaunate nauj\u0105 paskol\u0105, kad suma\u017eintum\u0117te kreditini\u0173 korteli\u0173 ir brangi\u0173 paskol\u0173 su auk\u0161tomis pal\u016bkanomis skai\u010di\u0173. Verta refinansuoti taip pat vien\u0105 finansin\u012f \u012fsipareigojim\u0105, kad atsikratytum\u0117te auk\u0161t\u0173 pal\u016bkan\u0173, \u012fmok\u0173 ir papildom\u0173 mokes\u010di\u0173. Refinansavimas veikia taip: J\u016bs\u0173 \u012fsiskolinimas yra pa\u0161alinamas ir pakei\u010diamas nauja pigesne paskola su ma\u017eesn\u0117mis pal\u016bkanomis nei anks\u010diau.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kas yra refinansavimas?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Bankai turi sprendim\u0173, kurie pad\u0117s jums susitvarkyti su j\u016bs\u0173 asmeniniais finansais ir skolomis. Refinansavimas &#8211; tai galimyb\u0117 sujungti senas ma\u017eas paskolas su didel\u0117mis pal\u016bkanomis ir mokes\u010diais \u012f vien\u0105 nauj\u0105 paskol\u0105 su ma\u017eesn\u0117mis pal\u016bkanomis ir ma\u017eesn\u0117mis \u012fmokomis kiekvien\u0105 m\u0117nes\u012f.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kaip veikia vartojimo paskol\u0173 refinansavimas?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Vartojimo paskolos refinansavimas rei\u0161kia, kad bankas nereikalauja \u012fkeisti nekilnojamojo turto ar kito asmeninio turto.<br \/>\nRefinansavimo procesas yra labai greitas. Bankas sumoka j\u016bs\u0173 turim\u0105 skol\u0105 ir pakei\u010dia j\u0105 nauja paskola su ma\u017eesn\u0117mis pal\u016bkanomis ir geresn\u0117mis s\u0105lygomis. D\u0117l to sutaupote pinig\u0173.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kiek kainuoja vartojimo paskolos refinansavimas?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Sunku tiksliai pasakyti, kiek jums kainuos refinansavimo paskola, nes bankai kiekvien\u0105 atvej\u012f vertina individualiai. Pal\u016bkan\u0173 norma ir paskolos s\u0105lygos priklauso nuo j\u016bs\u0173 finansin\u0117s istorijos. Patartina refinansuoti brangias ir ma\u017eos vert\u0117s paskolas, kad suma\u017eintum\u0117te savo i\u0161laidas u\u017e senas vartojimo paskolas ir kredito korteli\u0173 skolas. Kreiptis d\u0117l refinansavimo galima nemokamai ir be joki\u0173 \u012fsipareigojim\u0173!<br \/>\nRefinansavimo paskolos pavyzdys: skolinat\u0117s 180 000 NOK 5 metams su 10,2 % efektyvia pal\u016bkan\u0173 norma. Paskolos kaina bus 47 785 NOK. Bendra paskolos kaina bus 227 785 NOK.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Pasiskolinkite pinig\u0173 savo norams ir poreikiams<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Turime daugyb\u0119 b\u016bd\u0173 gauti paskolai! Kartais tai gali b\u016bti svajoni\u0173 atostogos, kurioms pasitaik\u0117 galimyb\u0117 b\u016btent dabar, arba gali b\u016bti, kad prireik\u0117 pakeisti namo stog\u0105 ar atnaujinti \u012frang\u0105. Arba pasitaik\u0117 nenumatyt\u0173 i\u0161laid\u0173, arba galb\u016bt pasitaik\u0117 proga investuoti \u012f tai, \u012f k\u0105 labai norite.<\/p>\n<p>K\u0105 jums reikia nuspr\u0119sti, tai ar norite skolintis su u\u017estatu, ar be u\u017estato. Yra dvi labai skirtingos paskolos r\u016b\u0161ys ir svarbu \u017einoti skirtum\u0105, kad gal\u0117tum\u0117te atlikti tinkam\u0105 pasirinkim\u0105, atsi\u017evelgdami \u012f savo finansus. Atminkite! Gauta paskola &#8211; yra skola.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Paskolos be \u012fkeitimo<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Tai paskola, kuri\u0105 galite gauti i\u0161 banko, nereikalaujant bankui, kad jums priklausyt\u0173 kokia nors nuosavyb\u0117, kuri\u0105 \u012fkeistum\u0117te, kaip paskolos u\u017estat\u0105. Tai rei\u0161kia: bankas nereikalauja nei b\u016bsto, nei sodybos, nei automobilio \u012fkeitimo. Tod\u0117l labai lengva pateikti parai\u0161k\u0105 d\u0117l pinig\u0173 be u\u017estato, kuomet gal\u0117t\u0173 nutr\u016bkti procesai, d\u0117l j\u016bs\u0173 b\u016bsto vertinimo.<\/p>\n<p>Kadangi bankas i\u0161 j\u016bs\u0173 negauna nieko, k\u0105 gal\u0117t\u0173 parduoti, jei nevykdytum\u0117te paskolos \u012fsipareigojim\u0173, su \u0161ia paskola jie prisiima didesn\u0119 rizik\u0105. Tod\u0117l tokiai paskolai yra nustatomos didesn\u0117s pal\u016bkanos. Tuomet koks yra banko saugumo garantas &#8211; tai yra brangesnis pasiskolinimas i\u0161 banko. Vald\u017eios institucijos taip pat nusprend\u0117, kad gr\u0105\u017einimo laikotarpis gali b\u016bti ne ilgesnis kaip penkeri metai. Privalumas yra tas, kad pinigus galite panaudoti tam, kam norite.<\/p>\n<p>Paskolos be u\u017estato taip pat dar yra vadinamos taip: vartojimo paskolos, restarto paskolos, kredito paskolos, kredito kortel\u0117s, MC paskolos, paskolos renovacijai, paskolos atostogoms ir kt.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Paskola su u\u017estatu<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>\u0160i paskola yra saugesnis sprendimas bankui. Tod\u0117l, jie taip pat yra pasireng\u0119 suteikti jums ma\u017eesnes pal\u016bkanas ir ilgesn\u012f gr\u0105\u017einimo laikotarp\u012f nei paskoloms be u\u017estato. Su u\u017estatu &#8211; j\u016bs suteikiate bankui garantij\u0105 su savo nuosavybe. Tokiu atveju bankas turi galimyb\u0119 parduoti turt\u0105, jei paskola neapmokama pagal sutart\u012f. Tod\u0117l \u0161ios paskolos kaina, t.y. pal\u016bkanos, jums yra ma\u017eesn\u0117s.<\/p>\n<p>Taip pat yra kit\u0173 dalyk\u0173, kurie gali b\u016bti kaip u\u017estatas bankui, kurie leid\u017eia gauti ma\u017eesnes pal\u016bkanas, ta\u010diau tai n\u0117ra apibr\u0117\u017eiama kaip paskola su \u012fkeitimu. Kuomet kreipiat\u0117s d\u0117l \u0161ios paskolos, taip pat turite gauti elektronin\u012f turto vertinim\u0105, kad gal\u0117tum\u0117te dokumentuoti vert\u0119. Bet kuriuo atveju, mes turime efektyvi\u0173 paskolos parai\u0161k\u0173, kurios leid\u017eia \u0161\u012f proces\u0105 atlikti greitai.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Gaukite ma\u017eiausias paskolos pal\u016bkanas<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Kai kreipiat\u0117s d\u0117l paskolos, j\u016bs\u0173 asmenin\u0117 situacija nulemia, kokias pal\u016bkanas gausite i\u0161 banko. Pal\u016bkan\u0173 normos dyd\u012f lemia labai daug faktori\u0173 ir visi bankai juos vertina skirtingai. Negalite \u017einoti apie visas galiojan\u010dias taisykles skirtinguose bankuose, neatlik\u0119 trumpo tyrimo apie kiekvien\u0105 i\u0161 j\u0173. \u0160tai kod\u0117l b\u016bt\u0173 labai protinga paskolos parai\u0161k\u0105 si\u0173sti \u012f kelet\u0105 bank\u0173 vienu metu. Tada tikrai \u017einosite, kad sutaupysite pinig\u0173 ir dabar galite pasirinkti tai, kas jums labiausiai tinka.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Tokiu b\u016bdu bankas nustato j\u016bs\u0173 paskolos pal\u016bkan\u0173 norm\u0105<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>\u0160tai keletas skirting\u0173 kriterij\u0173, pagal kuriuos nustatomas pal\u016bkan\u0173 normos dydis:<\/p>\n<ul class=\"defaultList\">\n<li>J\u016bs\u0173 pajam\u0173 suma arba visos \u0161eimos pajamos<\/li>\n<li>Nesvarbu, ar esate vieni\u0161as, ved\u0119s, gyvenantis kartu ar i\u0161siskyr\u0119s<\/li>\n<li>Ar skolinat\u0117s pinigus kartu su kuo nors, ar ne (bendraskolis)<\/li>\n<li>Nesvarbu, ar turite vaik\u0173 ir kiek j\u0173 i\u0161laikote<\/li>\n<li>Nesvarbu, ar turite ma\u017eai skol\u0173 i\u0161 anks\u010diau<\/li>\n<li>Nesvarbu, ar esate jaunas, ar vidutinio am\u017eiaus<\/li>\n<li>Ar turite nekilnojamojo turto ar kokio nors kito turto<\/li>\n<\/ul>\n<p>\u0160tai kod\u0117l mes norime pamin\u0117ti tai, kad \u201eMotty\u201c pal\u016bkan\u0173 normos yra nuo 4,9% iki 23,4%. Yra \u012fvairi\u0173 pal\u016bkan\u0173 norm\u0173, kurios taikomos kiekvienam asmeniui atskirai. Faktin\u0117s pal\u016bkanos svyruoja nuo 5,16% iki 26,23%, tuomet visos i\u0161laidos yra \u012ftrauktos.<\/p>\n<p>Nor\u0117dami gauti asmenin\u012f pal\u016bkan\u0173 normos pasi\u016blym\u0105, atsi\u0173skite mums visi\u0161kai ne\u012fpareigojan\u010di\u0105 parai\u0161k\u0105. Tada mes perduosime j\u0105 bankams, kad j\u016bs gal\u0117tum\u0117te i\u0161karto gauti paskolos pasi\u016blymus i\u0161 keletos bank\u0173, ir kad pateiktume jums ma\u017eiausi\u0173 pal\u016bkan\u0173 pasi\u016blym\u0105, koks tik yra \u0161iuo metu rinkoje.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kiek kainuoja pasiskolinti pinig\u0173?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Nepriklausomai nuo to, ar kreipiat\u0117s d\u0117l paskolos su \u012fkeitimu ar be jo, pal\u016bkan\u0173 norma ir mokes\u010diai lemia, kiek tai jums i\u0161 tikr\u0173j\u0173 kainuos.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">\u010cia yra pateikiamas pavyzdys:<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Pasiskolinus 100 000 NOK su 11,9% pal\u016bkanomis, 5 met\u0173 laikotarpiui kainuoja 35 914 NOK. Tada galime teigti, kad 100 000 NOK paskola jums kainuos 135 914 NOK.<\/p>\n<p>Be to, bankai taiko 0-1990 NOK registracijos mokest\u012f ir 25-45 NOK m\u0117nesin\u012f mokest\u012f. Tod\u0117l, efektyvi pal\u016bkan\u0173 norma parodo, kokios bus visos i\u0161laidos, nes tada visos i\u0161laidos yra \u012ftraukiamos \u012f paskai\u010diavim\u0105.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">Kas gali kreiptis d\u0117l paskolos?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Visi bankai, su kuriais mes dirbame, turi skirtingus kriterijus, kuriuos j\u016bs turite atitikti, nor\u0117dami gauti paskol\u0105 su geromis pal\u016bkanomis. Vienas dalykas, kuris yra bendras absoliu\u010diai visiems, kurie kreipiasi d\u0117l paskolos Norvegijoje, yra tai, kad bankas patikrins j\u016bs\u0173 kreditingum\u0105, kai parai\u0161ka bus i\u0161si\u0173sta. Patikrinkite da\u017eniausiai pasitaikan\u010di\u0173 kriterij\u0173 s\u0105ra\u0161\u0105:<\/p>\n<p><strong>Bendrieji paskolos kriterijai:<\/strong><\/p>\n<ul class=\"defaultList\">\n<li>Turite b\u016bti vyresnis nei 23 met\u0173 ir turite gauti pajam\u0173<\/li>\n<li>Pastaruosius trejus metus gyvenote ir mok\u0117jote mokes\u010dius Norvegijoje<\/li>\n<li>Paskolos suma, d\u0117l kurios teikiate parai\u0161k\u0105, yra \u012fvertinama atsi\u017evelgiant \u012f j\u016bs\u0173 turim\u0105 skol\u0105 ir pajamas. Pagrindin\u0117 taisykl\u0117 yra ta, kad j\u016bs negalite tur\u0117ti skol\u0173, d\u0117l kuri\u0173 j\u016bs vir\u0161ytum\u0117te savo bruto metines pajamas, padauginus i\u0161 penki\u0173.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">\u012esp\u0117jimas d\u0117l neapmok\u0117tos skolos ir skol\u0173 i\u0161ie\u0161kojimas &#8211; ar vis tiek dar galiu gauti paskol\u0105?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>Gavus \u012fsp\u0117jim\u0105 d\u0117l neapmok\u0117tos skolos &#8211; rei\u0161kia, kad nesumok\u0117jote to, k\u0105 esate skolingi vienam ar keliems kreditoriams. \u0160tai kod\u0117l dauguma \u017emoni\u0173 gauna neigiam\u0105 atsakym\u0105, kuomet kreipiasi d\u0117l paskolos. Ta\u010diau, yra bank\u0173, kurie vis tiek nori ir gali jums pad\u0117ti. Paskolos gavimas su \u012fsp\u0117jimu d\u0117l neapmok\u0117tos skolos ir su skolos i\u0161ie\u0161kojimu \u012ftraukia ir refinansavim\u0105. Bankas panaikina j\u016bs\u0173 turimus \u012fra\u0161us patenkindamas (apmok\u0117damas) j\u016bs\u0173 kreditori\u0173 pretenzijas. Tada skola konsoliduojama \u012f jums visi\u0161kai nauj\u0105 paskol\u0105. Tokiam sprendimui, j\u016bs turite \u012fkeisti b\u016bst\u0105 ar kit\u0105 nuosavyb\u0119 kaip paskolos u\u017estat\u0105. Kreipkit\u0117s d\u0117l refinansavimo, jei norite susitvarkyti savo finansus ir atgauti kontrol\u0119.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                            <\/div>\n                                                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"cta-69f31225b639d\" class=\"calltoaction-outer-container overflow-hidden globalcta\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28\">\n        <div class=\"rounded-lg bg-fjellvann-medium-beige py-14 px-5 md:px-[50px] lg:px-[100px]\">\n            <div class=\"flex flex-col-reverse gap-10 md:gap-[57px] md:flex-row md:items-center\">\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(592px)]\">\n                                        <div class=\"flex flex-col gap-6 text-center md:text-left\">\n                    <h2 class=\"h2 max-w-[592px]\">Norite su\u017einoti dar daugiau?<\/h2><p class=\"text-[18px] md:text-[24px] font-recklessregular\">Susisiekite su mumis ir mielai Jums pad\u0117sime!<\/p>                    <\/div>\n                                                            <div class=\"mt-10\">\n                            <a id=\"\" href=\"\/lt\/susisiekite-su\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Kontaktai<\/a>                    <\/div>\n                                    <\/div>\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(100%-620.5px)]\">\n                    <img decoding=\"async\" class=\"w-[174px] h-auto mx-auto md:m-0 md:w-full md:h-full object-cover\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/faq_prefooter.svg\" alt=\"faq_prefooter\" \/>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"slb-69f31225b7af9\" class=\"services__link-block-outer-container\">\n    <div class=\"max-w-[1080px] mx-auto py-6 px-0 md:px-14 md:py-16 xl:px-28 \">\n        <div class=\"hidden md:flex md:flex-wrap md:gap-8 md:items-center md:justify-center\">\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lt\/paskola\/paskolos-be-uzstato\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-uten-sikkerhet.svg\" alt=\"\"\/><span>Pigi paskola be u\u017estato<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lt\/paskola\/paskola-automobiliui\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/billan.svg\" alt=\"\"\/><span>Paskola automobiliui<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lt\/paskola\/paskola-renovacijai\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-til-oppussing.svg\" alt=\"\"\/><span>Paskola renovacijai<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/hyttelan-med-sikkerhet-i-bolig\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Hyttelan.svg\" alt=\"\"\/><span>Hyttel\u00e5n med sikkerhet i bolig<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/spesial-lan\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Spesiallan.svg\" alt=\"\"\/><span>Spesiall\u00e5n &#8211; for deg som sliter med \u00e5 f\u00e5 l\u00e5n<\/span>            <\/a>\n                    <\/div>\n        <div class=\"block md:hidden\">\n            <div id=\"post2764\" class=\"swiper archive_swiper\" data-swiper=\"post2764\">\n                <div class=\"swiper-wrapper\">\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lt\/paskola\/paskolos-be-uzstato\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-uten-sikkerhet.svg\" alt=\"\"\/><span>Pigi paskola be u\u017estato<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lt\/paskola\/paskola-automobiliui\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/billan.svg\" alt=\"\"\/><span>Paskola automobiliui<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lt\/paskola\/paskola-renovacijai\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-til-oppussing.svg\" alt=\"\"\/><span>Paskola renovacijai<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/hyttelan-med-sikkerhet-i-bolig\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Hyttelan.svg\" alt=\"\"\/><span>Hyttel\u00e5n med sikkerhet i bolig<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/spesial-lan\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Spesiallan.svg\" alt=\"\"\/><span>Spesiall\u00e5n &#8211; for deg som sliter med \u00e5 f\u00e5 l\u00e5n<\/span>                        <\/a>\n                    <\/div>\n\n                                    <\/div>\n                <div class=\"sp-pagination-post2764 flex justify-center mt-4\"><\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"ra-69f31225bcca3\" class=\"related_articles-outer-container\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28 lg:pt-14 lg:pb-28\">\n        <div class=\"flex flex-col text-center gap-8\">\n                        <h2 class=\"h2\">Straipsniai apie vartojimo paskolas<\/h2>\n                    <\/div>\n                <div class=\"mt-14 flex flex-col gap-14 items-center\">\n            <div class=\"flex flex-col gap-8 flex-wrap md:flex-row\">\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/lan\/regler-for-lonnstrekk\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/lonnstrekk.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/lan\/regler-for-lonnstrekk\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hva er reglene for l\u00f8nnstrekk og hvordan stoppe det?<\/h3><p>L\u00f8nnstrekk &#8211; kort oppsummert: Hva er l\u00f8nnstrekk?&nbsp; L\u00f8nnstrekk er n\u00e5r arbeidsgiver holder tilbake en del av&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/lan\/lan-med-kausjonist\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/05\/lan-med-kausjonist.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/lan\/lan-med-kausjonist\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">L\u00e5n med kausjonist<\/h3><p>Om du skal ta opp et l\u00e5n vil sjansen for at l\u00e5net blir godkjent \u00f8ke om&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/lan\/forhandle-rente-boliglan\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/05\/forhandle-rente-boliglan.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/lan\/forhandle-rente-boliglan\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hvordan kan du forhandle renten p\u00e5 boligl\u00e5net ditt?<\/h3><p>Forhandle renten p\u00e5 boligl\u00e5net &#8211; kort oppsummert: \u00c5 sikre deg en gunstig rente p\u00e5 boligl\u00e5net kan&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <\/div>\n            <a id=\"\" href=\"https:\/\/www.motty.no\/lt\/straipsniai\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Rodyti daugiau straipsni\u0173<\/a>        <\/div>\n            <\/div>\n<\/div>\n","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","class_list":["post-2764","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":""},"_links":{"self":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/2764","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester"}],"about":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/types\/tjenester"}],"version-history":[{"count":2,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/2764\/revisions"}],"predecessor-version":[{"id":6060,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/2764\/revisions\/6060"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=2764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}