{"id":4972,"date":"2024-09-06T12:15:35","date_gmt":"2024-09-06T12:15:35","guid":{"rendered":"https:\/\/www.motty.no\/?post_type=tjenester&#038;p=4972"},"modified":"2025-05-08T11:21:32","modified_gmt":"2025-05-08T11:21:32","slug":"omstartslan","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/lt\/paskola\/omstartslan","title":{"rendered":"Omstartsl\u00e5n"},"content":{"rendered":"<div id=\"69f21d472248d\" class=\"page__banner-outer-container relative\">\n    <div class=\"container mx-auto py-10 px-6 md:px-14 md:py-14 xl:px-28\">\n                <div class=\"max-w-full lg:max-w-[862px] flex flex-col gap-6 lg:gap-8\">\n            <h1 class=\"h1 lg:max-w-[543px]\">Omstartsl\u00e5n paskola<\/h1><div class=\"page__banner-contents-rte content-rte lg:text-[24px]\"><p>Turite problem\u0173 d\u0117l skol\u0173 i\u0161ie\u0161kojimo? Galime pad\u0117ti Jums atsistoti ant koj\u0173 ir susigr\u0105\u017einti finans\u0173 kontrol\u0119!<\/p>\n<\/div>        <\/div>\n            <\/div>\n    <svg class=\"hidden absolute top-0 right-0 lg:block\" width=\"467\" height=\"719\" viewBox=\"0 0 467 719\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M492.327 74.0103L492.323 74.0144L491.513 74.7762L491.499 74.7891L491.486 74.8024L472.243 94.0042L379.29 186.754L135.031 430.481V271.943C135.031 197.08 195.138 135.179 270.132 134.745C298.024 134.585 324.011 142.843 345.677 157.142L346.545 157.714L347.28 156.98L440.764 63.6989L441.766 62.6999L440.668 61.8074C392.825 22.8971 333.515 1.72514 270.946 1.72514C209.35 1.72514 150.904 22.2331 103.443 60.0049V3V1.72514H102.168H3H1.72514V3V270.349V274.419V692.781C1.72514 714.503 28.0263 725.356 43.4053 710.01L74.5434 678.944L73.6429 678.042L74.5435 678.944L100.509 653.03L534.827 219.663L584.067 170.53C609.064 147.573 641.48 134.882 675.512 134.745C750.54 134.436 811.972 197.085 811.972 272V704.462C811.972 711.536 817.731 717.275 824.815 717.275H932.432C939.526 717.275 945.275 711.535 945.275 704.462V270.349C945.275 198.598 917.279 131.144 866.427 80.4028C815.585 29.6732 747.973 1.72514 676.072 1.72514C604.169 1.72514 542.342 27.4039 492.327 74.0103ZM406.851 679.325H408.126H538.889H540.164V678.05V279.134V276.061L537.988 278.232L407.226 408.705L406.851 409.079V409.608V678.05V679.325Z\" stroke=\"#2264DC\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n    <\/svg>\n<\/div>\n\n<div id=\"69f21d4723021\" 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                                        <h3>Kas yra Omstartsl\u00e5n?<\/h3>\n<p>Omstartsl\u00e5n &#8211; tai galimyb\u0117 turintiems nekilnojamojo turto, kur\u012f gali panaudoti kaip u\u017estat\u0105, ta\u010diau nepavyko gauti pasi\u016blymo i\u0161 kit\u0173 bank\u0173. Naudodami \u0161i\u0105 paskolos form\u0105 galite atsikratyti skol\u0173 ir atsikratyti skol\u0173 i\u0161ie\u0161kojimo!<\/p>\n<p>Kreipkit\u0117s, jei norite atsistoti ant koj\u0173 ir susigr\u0105\u017einti savo finans\u0173 kontrol\u0119.<\/p>\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\">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>Refinansuodami gaunate nauj\u0105 paskol\u0105, kad suma\u017eintum\u0117te kredito korteli\u0173 ir brangi\u0173 paskol\u0173 skai\u010di\u0173. Brangi\u0173 nedideli\u0173 paskol\u0173 refinansavimas apsimoka, kadangi u\u017e kiekvien\u0105 paskol\u0105 mokate atskiras \u012fmokas ir papildomus mokes\u010dius.<\/p>\n<p>Refinansavimas veikia taip: J\u016bs\u0173 \u012fsiskolinimas yra pa\u0161alinamas ir pakei\u010diamas nauja pigesne paskola su ma\u017eesn\u0117mis pal\u016bkanomis. I\u0161 patirties \u017einome, kad refinansuodami galite nema\u017eai sutaupyti.<\/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\">Kod\u0117l verta teikti parai\u0161k\u0105 su Motty?<\/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>Motty &#8211; tai finans\u0173 specialistai, kurie nuo 1985 m. tarpininkauja teikiant paskolas ir refinansavim\u0105 privatiems asmenims. Dirbame su pirmaujan\u010diais Norvegijos bankais, kurie si\u016blo vartojimo paskolas, refinansavim\u0105, b\u016bsto paskolas, specialias paskolas, omstartsl\u00e5n ir kredito korteles.<\/p>\n<p>&nbsp;<\/p>\n<p>\u0160tai 10 prie\u017eas\u010di\u0173, kod\u0117l tur\u0117tum\u0117te rinktis Motty:<\/p>\n<p>Palyginame bank\u0173 pasi\u016blymus u\u017e Jus ir padedame i\u0161sirinkti geriausi\u0105 variant\u0105. M\u016bs\u0173 d\u0117ka Jums nereik\u0117s patiems atlikti \u0161io daug laiko reikalaujan\u010dio darbo.<\/p>\n<p>Jums tereikia u\u017epildyti parai\u0161kos form\u0105, o visu kitu pasir\u016bpinsime mes. J\u016bs\u0173 vardu taip pat galime susisiekti su banku.<\/p>\n<p>I\u0161siunt\u0119 parai\u0161k\u0105, gausite paskol\u0173 pasi\u016blymus i\u0161 daugumos pirmaujan\u010di\u0173 Norvegijos bank\u0173 &#8211; greitai ir paprastai, tur\u0117dami visi\u0161k\u0105 pasirinkimo laisv\u0119. Tai J\u016bs nuspr\u0119site ar pasinaudoti pasi\u016blymu, ar ne.<\/p>\n<p>Visas parai\u0161kos teikimo procesas vyksta internetu. I\u0161sirinkus pasi\u016blym\u0105, tereikia pasira\u0161yti sutart\u012f naudojantis BankID. Pinigus gausite tiesiai \u012f savo s\u0105skait\u0105.<\/p>\n<p>Ie\u0161kome geriausi\u0173 rinkoje esan\u010di\u0173 paskolos pasi\u016blym\u0173 Jums.<\/p>\n<p>Pad\u0117sime jums kiekviename parai\u0161kos teikimo proceso etape. Reikia pagalbos pildant parai\u0161k\u0105 arba ko nors nesuprantate? Mes \u017einome visk\u0105 apie vartojimo paskolas ir refinansavim\u0105. Turime daug ger\u0173 patarim\u0173 ir rekomendacij\u0173, kuriomis mielai su Jumis pasidalinsime. Galime pad\u0117ti visais klausimais nuo A iki Z, net jei turite problem\u0173 su skol\u0173 i\u0161ie\u0161kojimu.<\/p>\n<p>Puikiai i\u0161manome rink\u0105 ir \u017einome visus vartojimo paskol\u0173 ir refinansavimo paslaug\u0173 teik\u0117jus, tod\u0117l Jums patiems to \u017einoti nereikia.<\/p>\n<p>M\u016bs\u0173 pagalba yra nemokama ir ne\u012fpareigojanti. M\u016bs\u0173 atlygis &#8211; tai komisiniai, kuriuos gauname i\u0161 bank\u0173 po to, kai paskola yra galutinai \u012fforminama.<\/p>\n<p>Esame seniausias vartojimo paskol\u0173 tarpininkas Norvegijoje, tod\u0117l laikom\u0117s nuostat\u0173 ir esame patvirtinti Norvegijos finans\u0173 prie\u017ei\u016bros institucijos (Finanstilsynet).<\/p>\n<p>Turime ilgamet\u0119 patirt\u012f vartojimo paskol\u0173 ir refinansavimo srityje. Nuo 1985 m. padedame gauti finansavim\u0105 ir esame dirb\u0119 su daugeliu pirmaujan\u010di\u0173 Norvegijos bank\u0173. Garantuojame pla\u010dias \u017einias ir individual\u0173 po\u017ei\u016br\u012f \u012f kiekvien\u0105 klient\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\">Ar galima teikti parai\u0161k\u0105 turint betalingsanmerkning?<\/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>\u017dinoma! Jei Norvegijoje turite nekilnojam\u0105j\u012f turt\u0105, kur\u012f galite u\u017estatyti, galite kreiptis d\u0117l refinansavimo. \u0160is sprendimas suteiks galimyb\u0119 atsikratyti skolos, at\u0161aukti i\u0161ie\u0161kojim\u0105 ir prad\u0117ti visk\u0105 nuo \u0161varaus lapo.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                            <\/div>\n                                                                    <div class=\"flexible__contents-image\">\n                                        <img decoding=\"async\" class=\"rounded-lg overflow-hidden border-b-8 border-b-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/04\/Omstartslan.jpg\" alt=\"\" \/>\n                                    <\/div>\n                                                            <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                                                            <\/div>\n                                                                    <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <h3>Kiek galima pasiskolinti, turint problem\u0173 d\u0117l skol\u0173 i\u0161ie\u0161kojimo?<\/h3>\n<p>\u0160iuo atveju lemiamas veiksnys &#8211; tai J\u016bs\u0173 turto vert\u0117. \u012e kiekvien\u0105 klient\u0105 \u017ei\u016brime individualiai ir kruop\u0161\u010diai analizuojame kiekvien\u0105 situacij\u0105, kad gal\u0117tume rasti geriausi\u0105 sprendim\u0105.<\/p>\n                                    <\/div>\n                                                                    <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <h3>Kaip veikia Omstartsl\u00e5n paskola?<\/h3>\n<p>Jei turite b\u016bst\u0105Norvegijoje, jo vert\u0119 galite naudoti kaip garantij\u0105 bankui. Galime pad\u0117ti sujungti visus turimus \u012fsipareigojimus \u012f vien\u0105 nauj\u0105 paskol\u0105, <a href=\"https:\/\/www.motty.no\/lt\/refinansavimas\/refinansavimas-su-uzstatu\">refinansuojant su nekilnojamojo turto u\u017estatu.<\/a><\/p>\n<p>\u0160io sprendimo d\u0117ka \u012fgyjate:<\/p>\n<ul>\n<li>Vien\u0105 m\u0117nesin\u0119 \u012fmok\u0105<\/li>\n<li>Ma\u017eesnes pal\u016bkanas<\/li>\n<li>Savo finans\u0173 kontrol\u0119<\/li>\n<li>\u012eperkam\u0105 mok\u0117jimo plan\u0105<\/li>\n<\/ul>\n<p>Omstartsl\u00e5n paskola\u00a0 &#8211; tai sprendimas, kuris ne tik suteikia galimyb\u0119 prad\u0117ti i\u0161 naujo, bet ir padeda sutaupyti pinig\u0173!<\/p>\n                                    <\/div>\n                                                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"cta-69f21d472a04d\" class=\"calltoaction-outer-container overflow-hidden generalcta\">\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]\">Motty pad\u0117s Jums refinansuoti<\/h2><div class=\"text-[18px] md:text-[24px] content-rte font-recklessregular\"><p>Pad\u0117sime jums palyginti paskol\u0173 pasi\u016blymus 20 bank\u0173, kad tur\u0117tum\u0117te galimyb\u0119 gauti ma\u017eiausias \u012fmanomas pal\u016bkanas.<\/p>\n<p>Pasinaudokite ne\u012fpareigojan\u010dia ir nemokama konsultacija.<\/p>\n<\/div>                        <\/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\">Susisiekite su mumis<\/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=\"ra-69f21d472b94e\" 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<\/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\/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 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>\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\n\n\n<p><\/p>\n","protected":false},"featured_media":0,"parent":2764,"menu_order":0,"template":"","class_list":["post-4972","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":2223},"_links":{"self":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/4972","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":1,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/4972\/revisions"}],"predecessor-version":[{"id":4996,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/4972\/revisions\/4996"}],"up":[{"embeddable":true,"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/tjenester\/2764"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/lt\/wp-json\/wp\/v2\/media?parent=4972"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}