{"id":2781,"date":"2024-09-06T12:13:28","date_gmt":"2024-09-06T12:13:28","guid":{"rendered":"https:\/\/www.motty.no\/ekonomiska-pagalba"},"modified":"2025-08-28T11:57:36","modified_gmt":"2025-08-28T11:57:36","slug":"finansine-pagalba","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/lt\/finansine-pagalba","title":{"rendered":"Finansin\u0117 pagalba"},"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\">Finansin\u0117 pagalba<\/h1>\n            <p class=\"text-[24px] leading-[1.6] hidden md:block\">\n                Reikalinga pagalba asmeniniams finansams sutvarkyti?            <\/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                        Padedame refinansuoti skolas                    <\/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                        Teikiame nemokamas finansines konsultacijas                    <\/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                            Paskol\u0173 refinansavimas                        <\/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                            Refinansavimas su u\u017estatu                        <\/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 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-6a2e4cb5b9d15\" 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 refinansavimo 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 pateikite 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\/03\/refinancing-sa.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">Antra<\/h3><p>Parai\u0161k\u0105 siun\u010diame bankams, kurie greitai ir efektyviai atlieka duomen\u0173 analiz\u0119.<\/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\/refinancing-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>Palyginkite pasi\u016blymus, i\u0161sirinkite tinkamiausi\u0105 ir pasira\u0161ykite paskolos sutart\u012f, naudodamiesi BankID.  <\/p>            <\/div>\n                    <\/div>\n                <\/div>\n                    <\/div>\n<\/div>\n\n<div id=\"cc-6a2e4cb5bd1bf\" 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>Pageidaujama suma<\/li>\n<li class=\"text-align-left m-size-12 size-15\"><span class=\"font-size-15 m-font-size-12\">Vardas ir pavard\u0117<\/span><\/li>\n<li class=\"text-align-left m-size-12 size-15\"><span class=\"font-size-15 m-font-size-12\">Norvegi\u0161kas asmens kodas<\/span><\/li>\n<li class=\"text-align-left m-size-12 size-15\"><span class=\"font-size-15 m-font-size-12\">El. pa\u0161to adresas<\/span><\/li>\n<li class=\"m-size-12 text-align-left size-15\"><span class=\"font-size-15 m-font-size-12\">Telefono numeris<\/span><\/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><\/em><\/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>Jums yra bent 23 metai<\/li>\n<li>J\u016bs\u0173 metin\u0117s pajamos yra ne ma\u017eesn\u0117s kaip 230 000 NOK.<\/li>\n<li>Pastaruosius trejus metus gyvenote ir mok\u0117jote mokes\u010dius Norvegijoje.<\/li>\n<li><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=\"6a2e4cb5c13b3\" 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\">Pad\u0117sime Jums panaikinti skolas<\/h2>                        <div class=\"feature__content-subtitle-contents flex flex-col gap-6\">\n                            <h3 class=\"h4 font-recklessregular\">Daugelis klient\u0173 turi brangi\u0173 paskol\u0173 ar kredit\u0173, kurie apsunkina j\u0173 finansus.  <\/h3><div class=\"feature__content-text space-y-6\"><p>Pad\u0117sime Jums rasti b\u016bd\u0105 sutaupyti bei panaikinti brangias skolas refinansavimo d\u0117ka.<\/p>\n<\/div>                        <\/div>\n                                                <div class=\"feature_content-btn\">\n                        <a id=\"\" href=\"#\" 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 \">Le\u0161koti pagal<\/a>                        <\/div>\n                                            <\/div>\n                <\/div>\n                                <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"6a2e4cb5c2760\" 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\">Refinansavimo skai\u010diuokl\u0117 &#8211; Kiek galiu sutaupyti?<\/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 bei 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=\"Mortgage\" data-locale=\"lt\" data-type=\"refinance savings\" 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=\"rt-6a2e4cb5c37bf\" class=\"richtext_outer-container overflow-hidden\">\n    <div class=\"py-[60px] px-6 md:px-14 lg:py-20 xl:px-28\">\n        <div class=\"content_medium mx-auto flex flex-col gap-6 md:gap-10\">\n                        <div class=\"richtext__outer-header gap-8 flex flex-col content-left\">\n            <h2 class=\"h2\">Viskas apie refinansavim\u0105<\/h2><p class=\"md:text-[20px] lg:text-[24px]\">\u010cia surinkome pagrindin\u0119 informacij\u0105 apie refinansavim\u0105.\r\nNeradote atsakymo \u012f Jums r\u016bpint\u012f klausim\u0105?\r\nSusisiekite su mumis &#8211; mielai Jums pad\u0117sime!<\/p>            <\/div>\n                        <div class=\"richtext__contents content-rte spacing_content-large\">\n                <h3>Kas yra refinansavimas?<\/h3>\n<p>Patariame spr\u0119sti finansines problemas iki joms tampant ne\u012fveikiamomis.<br \/>\nBankai si\u016blo sprendimus, kurie gali pad\u0117ti i\u0161spr\u0119sti asmenini\u0173 finans\u0173 ir skol\u0173 problemas.<br \/>\nRefinansavimas &#8211; tai galimyb\u0117 sujungti turimas paskolas su didel\u0117mis pal\u016bkanomis ir mokes\u010diais \u012f vien\u0105 nauj\u0105 paskol\u0105, turin\u010di\u0105 palankesnes pal\u016bkanas ir ma\u017eesn\u0119 m\u0117nesin\u0119 \u012fmok\u0105.<br \/>\nRefinansavimo parai\u0161k\u0105 teikiame keliuose bankuose vienu metu.<br \/>\nTaip galite rasti ma\u017eiausi\u0105 pal\u016bkan\u0173 norm\u0105 ir geriausias paskolos s\u0105lygas.<br \/>\nPateikite parai\u0161k\u0105, o viskuo kitu pasir\u016bpinsime mes &#8211; nemokamai ir be \u012fsipareigojim\u0173.<\/p>\n<h4>Refinansavimo procesas bankuose:<\/h4>\n<ul>\n<li>Vis\u0173 kliento turim\u0173 skol\u0173 ap\u017evalga.<\/li>\n<li>Skolos padengimas.<\/li>\n<li>Suteikiama nauj\u0105 paskol\u0105 su ma\u017eesn\u0117mis pal\u016bkanomis ir i\u0161laidomis.<\/li>\n<li>Nuo \u0161iol kiekvien\u0105 m\u0117nes\u012f mokate tik vien\u0105 s\u0105skait\u0105 fakt\u016br\u0105!<\/li>\n<\/ul>\n<h3>Kaip veikia refinansavimas?<\/h3>\n<p>Refinansuodami gaunate nauj\u0105 paskol\u0105, kad suma\u017eintum\u0117te kredito korteli\u0173 ir brangi\u0173 paskol\u0173 skai\u010di\u0173.<br \/>\nBrangi\u0173 nedideli\u0173 paskol\u0173 refinansavimas apsimoka, kadangi u\u017e kiekvien\u0105 paskol\u0105 mokate atskiras \u012fmokas ir papildomus mokes\u010dius.<br \/>\nRefinansavimas veikia taip: J\u016bs\u0173 \u012fsiskolinimas yra pa\u0161alinamas ir pakei\u010diamas nauja pigesne paskola su ma\u017eesn\u0117mis pal\u016bkanomis.<br \/>\nI\u0161 patirties \u017einome, kad refinansuodami galite nema\u017eai sutaupyti.<\/p>\n<h3 class=\"m-size-22 size-28\"><span class=\"m-font-size-22 font-size-28\">Smulki\u0173 ir vartojimo paskol\u0173 refinansavimas<\/span><\/h3>\n<p>Keletas skirting\u0173 smulki\u0173 paskol\u0173 gali kainuoti daugiau, nei manote. Su m\u016bs\u0173 pagalba su\u017einosite, ar verta refinansuoti turimus \u012fsipareigojimus.<\/p>\n<p>Jeigu mokate auk\u0161tas pal\u016bkanas, mokes\u010dius ir \u012fmokas u\u017e kelias paskolas ar kredito korteles vienu metu, verta sujungti visk\u0105 \u012f vien\u0105 nauj\u0105 paskol\u0105 su ma\u017eesne pal\u016bkan\u0173 norma. Tokiu b\u016bdu sutaupysite pinig\u0173 ir suma\u017einsite m\u0117nesines i\u0161laidas.<\/p>\n<p><span class=\"\">Nor\u0117dami su\u017einoti, ar refinansavimas Jums naudingas, <\/span>pateikite refinansavimo parai\u0161k\u0105 mums<span class=\"\">. Motty patar\u0117jai atliks <\/span>nemokam\u0105 J\u016bs\u0173 finansini\u0173 galimybi\u0173 ap\u017evalg\u0105.<\/p>\n<h3 class=\"m-size-22 size-28\"><span class=\"font-size-28 m-font-size-22\">Pinig\u0173 taupymo b\u016bdai<\/span><\/h3>\n<p>Yra keli b\u016bdai, leid\u017eiantys sutaupyti pinig\u0173 refinansuojant.<br \/>\nPal\u016bkan\u0173 suma\u017einimas &#8211; tik tik vienas i\u0161 j\u0173. Nepamir\u0161kite apie papildomas paskolos i\u0161laidas \u2013 pavyzd\u017eiui, administravimo mokes\u010dius. Taip pat galite pakeisti gr\u0105\u017einimo laikotarp\u012f, jeigu norite suma\u017einti m\u0117nesines \u012fmokas.<\/p>\n<p>\u0160tai keletas pavyzd\u017ei\u0173:<\/p>\n<ul>\n<li><span class=\"\">Jei turite 5 paskolas ir u\u017e kiekvien\u0105 mokate 45 NOK administravimo mokes\u010di\u0173 per m\u0117nes\u012f, bendrai kas m\u0117nes\u012f sumokate 225 NOK.<br \/>\nJeigu refinansuosite \u012fsiskolinimus ir sujungsite visus \u012f vien\u0105, mok\u0117site tik 45 NOK.<br \/>\n<\/span>Taip kas m\u0117nes\u012f sutaupysite 180 NOK!<\/li>\n<li><span class=\"\">Jei turite paskol\u0105 100 000 NOK sumai 5 metams,\u00a0 kurios faktin\u0117s pal\u016bkanos yra 10,94%, tokia paskola Jums kainuos 43 023 NOK.<br \/>\nRadus bank\u0105, si\u016blant\u012f ma\u017eesn\u0119 faktin\u0119 pal\u016bkan\u0173 norm\u0105, pavyzd\u017eiui \u2013 8,77%, paskolos kaina suma\u017e\u0117s iki 34 288 NOK.<br \/>\nTai rei\u0161kia, kad ma\u017eesn\u0117s pal\u016bkan\u0173 normos d\u0117ka <\/span>sutaupysite 8 735 NOK.<\/li>\n<li><span class=\"\">Ar \u017einojote, kad teikdami refinansavimo parai\u0161k\u0105 su bendraparei\u0161k\u0117ju galite gauti dar ma\u017eesnes pal\u016bkanas?<br \/>\nTaip yra tod\u0117l, kad bankas \u012fgyja papildom\u0105 garantij\u0105, nes paskol\u0105 gr\u0105\u017eins du asmenys.<br \/>\n<\/span>Bendraparei\u0161k\u0117ju gali b\u016bti partneris, sutuoktinis, \u0161eimos narys ar draugas.<\/li>\n<\/ul>\n<h3>Sutaupykite pinig\u0173 kreipdamiesi d\u0117l paskolos<\/h3>\n<p>Si\u0173sdami mums paskolos ar refinansavimo parai\u0161k\u0105, J\u016bs siun\u010diate u\u017eklaus\u0105 d\u0117l norimos paskolos sumos, bet tai ne viskas.<br \/>\nPaskolos parai\u0161ka taip pat yra b\u016bdas su\u017einoti, ar J\u016bs\u0173 \u012fsiskolinimas gali b\u016bti refinansuotas, kad gautum\u0117te ma\u017eiausi\u0105 pal\u016bkan\u0173 norm\u0105, administravimo mokes\u010dius ir m\u0117nesin\u0119 \u012fmok\u0105 rinkoje.<br \/>\nDa\u017enai J\u016bs\u0173 paskolos sutartyje nustatytas pal\u016bkanas galima lengvai suma\u017einti refinansavimo d\u0117ka.<br \/>\nVis\u0173 m\u016bs\u0173 siun\u010diam\u0173 paskolos pasi\u016blym\u0173 galite atsisakyti, jei jie neatitinka J\u016bs\u0173 l\u016bkes\u010di\u0173.<\/p>\n<h3 class=\"m-size-22 size-28\"><span class=\"font-size-28 m-font-size-22\">Kas yra smulkios paskolos?<\/span><\/h3>\n<p>Smulkia arba ma\u017ea paskola yra vadinamos skolos, kurios n\u0117ra u\u017estatytos b\u016bstu arba kitu turtu.<br \/>\nSmulkioms paskoloms priskiriamos paskolos be u\u017estato, vartojimo paskolos, refinansavimas be u\u017estato, paskolos remontui, automobilio paskolos, kredito kortel\u0117s bei \u012fmokos u\u017e \u012fsigytas prekes.<\/p>\n<h3 class=\"m-size-22 size-28\"><span class=\"font-size-28 m-font-size-22\">Refinansavimo paskola be u\u017estato<\/span><\/h3>\n<p>Paskolos be u\u017estato gavimas rei\u0161kia, kad Jums, kaip klientui, nereik\u0117s pateikti bankui jokio u\u017estato.<br \/>\nPaprastai bankas reikalauja pateikti b\u016bst\u0105 ar kit\u0105 turt\u0105 kaip u\u017estat\u0105.<br \/>\nRefinansavimui be u\u017estato to daryti neprireiks.<br \/>\nKadangi bankas negauna i\u0161 J\u016bs\u0173 nieko, k\u0105 gal\u0117t\u0173 parduoti paskolos negr\u0105\u017einimo atveju, jis padidina paskolos kain\u0105, prisiimamai rizikai kompensuoti.<br \/>\nD\u0117l \u0161ios prie\u017easties, tokios paskolos yra brangesn\u0117s nei, pavyzd\u017eiui, b\u016bsto paskolos.<\/p>\n<h5>Yra keli refinansavimo b\u016bdai:<\/h5>\n<ol>\n<li>Galite perkelti turim\u0105 paskol\u0105 i\u0161 vieno banko \u012f kit\u0105, kuris si\u016blo ma\u017eesnes pal\u016bkanas ir geresnes mok\u0117jimo s\u0105lygas.<\/li>\n<li>Galima refinansuoti turim\u0105 b\u016bsto paskol\u0105 ir padidinti paskolos sum\u0105 arba prailginti gr\u0105\u017einimo laikotarp\u012f.<br \/>\nTokiu b\u016bdu galite gauti papildom\u0173 l\u0117\u0161\u0173, reikaling\u0173, pavyzd\u017eiui, b\u016bsto \u012frengimui.<\/li>\n<li>Galite sujungti turimas skolas \u012f vien\u0105 paskol\u0105 su ma\u017eesn\u0117mis pal\u016bkanomis, mokes\u010diais ir \u012fmokomis.<\/li>\n<\/ol>\n<h3 class=\"m-size-22 size-28\"><span class=\"font-size-28 m-font-size-22\">Refinansavimas su u\u017estatu yra pigesnis<\/span><\/h3>\n<p>Daugelis klient\u0173 renkasi refinansavim\u0105 su u\u017estatu. Kod\u0117l?<br \/>\nGali b\u016bti, kad Jums prireiks daugiau pinig\u0173 remontui, kelionei ar kit\u0173 svajoni\u0173 \u012fgyvendinimui.<br \/>\nNaudoti nekilnojam\u0105j\u012f turt\u0105 kaip u\u017estat\u0105 bankui apsimoka labiau nei skolintis be u\u017estato.<br \/>\n<span class=\"\">Turint nekilnojam\u0105j\u012f turt\u0105 gali b\u016bti lengviau susitarti su banku d\u0117l d\u0117l ma\u017eesni\u0173 pal\u016bkan\u0173 ir geresni\u0173 s\u0105lyg\u0173.<br \/>\nPrimename, kad verta patikrinti skirting\u0173 bank\u0173 pasi\u016blymus, kad gal\u0117tum\u0117te juos palyginti ir pasirinkti naudingiausi\u0105.<br \/>\n<\/span>M\u016bs\u0173 patar\u0117jai<span class=\"\"> mielai pad\u0117s tai padaryti. Su Motty galite kreiptis d\u0117l refinansavimo su u\u017estatu internetu.<\/span><\/p>\n<p><a href=\"#\">Su\u017einokite daugiau apie refinansavim\u0105 su u\u017estatu<\/a><\/p>\n<h3>Betalingsanmerkning \/ inkasso &#8211; \u012esp\u0117jimas d\u0117l neapmok\u0117tos skolos ir skolos i\u0161ie\u0161kojimas? Vis dar galite gauti paskol\u0105!<\/h3>\n<p>Kartais bankas atsisako refinansuoti arba suteikti didesn\u0119 paskol\u0105 su u\u017estatu.<br \/>\nPrie\u017eastys gali b\u016bti \u012fvairios. \u0160tai keletas pavyzd\u017ei\u0173:<br \/>\nPer didelis \u012fsiskolinimo ir b\u016bsto vert\u0117s santykio skirtumas arba gautas \u012fsp\u0117jimas d\u0117l neapmok\u0117tos skolos arba skolos i\u0161ie\u0161kojimo.<br \/>\nMotty garantuoja individual\u0173 po\u017ei\u016br\u012f \u012f klient\u0105 \u2013 patikrinsime J\u016bs\u0173 atvej\u012f ir \u012fvertinsime parai\u0161k\u0105.<br \/>\nKvalifikuoti konsultantai puikiai i\u0161mano teis\u0117s aktus ir paskol\u0173 rink\u0105 \u2013 jie pad\u0117s surasti Jums labiausiai tinkant\u012f sprendim\u0105.<br \/>\nBendradarbiaujame su bankais, kurie padeda susidoroti su skolomis, pertvarkyti \u012fsipareigojimus ir suteikti Jums galimyb\u0119 efektyviau kontroliuoti savo finansus.<\/p>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"cta-6a2e4cb5c4df5\" 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-6a2e4cb5c63c2\" 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\/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                        <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        <div class=\"block md:hidden\">\n            <div id=\"post2781\" class=\"swiper archive_swiper\" data-swiper=\"post2781\">\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\/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 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>\n                <div class=\"sp-pagination-post2781 flex justify-center mt-4\"><\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"ra-6a2e4cb5c9245\" 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 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\/okonomitips\/gjeldsregisteret\"><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\/6Namnlo-st-1-1920w.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\/okonomitips\/gjeldsregisteret\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hvor mye har du i gjeld? Slik sjekker du<\/h3><p>Hvor mye har du i gjeld? Slik sjekker du&nbsp; \u00c5 ha oversikt over gjelden din er&#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\/okonomitips\/forskjell-selveier-andel\"><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\/pexels-photo-129494-1920w.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\/okonomitips\/forskjell-selveier-andel\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hva er forskjellen p\u00e5 andel-, aksje- og selveierleilighet?<\/h3><p>Andelsleilighet gir bruksrett gjennom borettslag med fellesgjeld og fellesutgifter, selveierleilighet gir full eiendomsrett uten fellesgjeld, og&#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\/okonomitips\/forhandle-med-kreditorer\"><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\/pexels-mikhail-nilov-6963847-1920w.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\/okonomitips\/forhandle-med-kreditorer\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hvordan forhandle med kreditorer?<\/h3><p>N\u00e5r gjelden kjennes tung og vanskelig, kan det \u00e5 forhandle med kreditoren v\u00e6re en l\u00f8sning. Vi&#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-2781","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":""},"_links":{"self":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/2781","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\/2781\/revisions"}],"predecessor-version":[{"id":6924,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/2781\/revisions\/6924"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=2781"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}