{"id":117830,"date":"2025-01-21T10:52:18","date_gmt":"2025-01-21T08:52:18","guid":{"rendered":"https:\/\/www.santaka.info\/?p=117830"},"modified":"2025-01-21T10:52:18","modified_gmt":"2025-01-21T08:52:18","slug":"nuosavas-bustas-pries-nuomota-ar-visada-apsimoka","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/01\/21\/nuosavas-bustas-pries-nuomota-ar-visada-apsimoka\/","title":{"rendered":"Nuosavas b\u016bstas prie\u0161 nuomot\u0105: ar visada apsimoka?"},"content":{"rendered":"<p><strong>\u0160iuo metu,<\/strong><strong> <\/strong><strong>EURIBOR vir\u0161ija<\/strong><strong>nt<\/strong><strong> 2,<\/strong><strong>5 proc.<\/strong><strong>, <\/strong><strong>Lietuvos gyventoj\u0173<\/strong><strong> poreikis <\/strong><strong>\u012fsigyti nuosav\u0105 b\u016bst\u0105 <\/strong><strong>teb\u0117ra <\/strong><strong>pana\u0161iame lygyje kaip <\/strong><strong>2023 metais<\/strong><strong>. Ta\u010diau gruod\u012f jau ketvirt\u0105 kart\u0105 i\u0161 eil\u0117s \u012fvyk\u0119s pal\u016bkan\u0173 normos ma\u017einimas ir vartotoj\u0173 \u012fperkamumo galios augimas \u0161iemet leid\u017eia tik\u0117tis teigiam\u0173 poky\u010di\u0173. <\/strong><strong>Vis d\u0117lto, nors tai palanki \u017einia paskol\u0173 tur\u0117tojams, skub\u0117ti priimti didelius finansinius sprendimus dar nereik\u0117t\u0173, nes <\/strong><strong>\u0161<\/strong><strong>ie gali <\/strong><strong>ir <\/strong><strong>nepasiteisinti<\/strong><strong>. Daugiau apie tai, ar tur\u0117ti nuosav\u0105 b\u016bst\u0105 visada apsimoka, pasakoja <\/strong><strong>\u201eLuminor\u201c banko Ma\u017emenin\u0117s bankininkyst\u0117s vadovas<\/strong><strong> <\/strong><strong>Edvinas Jurevi\u010dius<\/strong><strong>.<\/strong><strong><\/strong><\/p><p>V\u012e Registr\u0173 centro duomenimis, 2024-aisiais visoje \u0161alyje parduota 30,3 t\u016bkst. but\u0173 bei 11,1 t\u016bkst. gyvenam\u0173j\u0173 nam\u0173. Pavyzd\u017eiui, vien tik pra\u0117jus\u012f gruod\u017eio m\u0117nes\u012f \u0161eimininkus pakeit\u0117 beveik 2,6 t\u016bkst. but\u0173 ir 0,9 t\u016bkst. nam\u0173, pasakoja ekspertas.<\/p><p>\u201ePana\u0161iame lygyje esanti b\u016bst\u0173 paklausa turi \u012ftakos ir nekilnojamo turto (NT) kainoms. Ta\u010diau nors NT kainos kyla vis dar po kelet\u0105 procent\u0173, tai nebevyksta taip spar\u010diai kaip anks\u010diau. Pavyzd\u017eiui, pra\u0117jusi\u0173 met\u0173 antrojo pusme\u010dio rodikliai parod\u0117, kad \u017eemiausio rinkos aktyvumo laikotarpis jau praeityje\u201c, \u2013 sako E. Jurevi\u010dius.<\/p><p>Anot eksperto, vidutin\u0117 parduodamo buto kv. metro kaina Vilniuje nuo 2023 m. gruod\u017eio per metus i\u0161augo 2,4 proc. ir \u0161iuo metu siekia apie 3 573 Eur u\u017e kv. m. Taip pat atitinkamai per metus but\u0173 kainos augo kituose \u0161alies didmies\u010diuose: Kaune \u2013 8,3 proc., Klaip\u0117doje \u2013 7,1 proc., rodo skelbim\u0173 portalo aruodas.lt duomenys.<\/p><p>\u201eVis d\u0117lto, iki \u0161iol \u012fsigyti nuosav\u0105 b\u016bst\u0105 Vilniuje vidutines pajamas u\u017edirban\u010diam nam\u0173 \u016bkiui nebuvo itin sunku. 88% lietuvi\u0173 turi nuosav\u0105 b\u016bst\u0105, kai tuo tarpu ES \u0161ali\u0173 vidurkis siekia 69%, remiantis \u201eEurostat\u201c duomenimis. Ta\u010diau situacija gali pasikeisti, jeigu b\u016bsto paklausa prad\u0117s spar\u010diai augti, o nekilnojamojo turto vystytojai nesp\u0117s u\u017etikrinti reikiamos pasi\u016blos arba smarkiai nukris b\u016bsto nuomos kainos\u201c, \u2013 pa\u017eymi ekspertas.<\/p><p>\u201eLuminor\u201c banko duomenimis, b\u016bsto kredito kliento pajamos sudaro 2132 Eur per m\u0117nes\u012f (neto) jeigu d\u0117l paskolos kreipiasi vienas bendraskolis bei 3595 Eur per m\u0117nes\u012f (neto) jeigu kreipiasi du bendraskoliai. Vidutin\u0117 trij\u0173 kambari\u0173 buto kaina, portalo aruodas.lt duomenimis, Vilniuje \u0161iemet sudaro apie 257&nbsp;393 Eur.<\/p><p>\u201eTok\u012f b\u016bst\u0105 i\u0161sinuomoti vidutini\u0161kai kainuot\u0173 apie 1 t\u016bkst. Eur per m\u0117nes\u012f. Prie dabartinio EURIBOR \u012fmoka sudaryt\u0173 apie 1,05 t\u016bkst. Eur\/m\u0117n., jeigu 85 proc. finansavimas suteikiamas 30 m. laikotarpiui. Taigi, i\u0161 esm\u0117s, b\u016bst\u0105 \u012fsigyti \u0161iandien galima u\u017e tiek pat, kiek kainuot\u0173 jo nuoma. Skirtumas tik tas, kad tai b\u016bt\u0173 j\u016bs\u0173 namai, kuriuose gal\u0117tum\u0117te jaustis nepriklausomi, kurti savo taisykles ir m\u0117gautis savaranki\u0161ku gyvenimu.<\/p><p>L\u016bkes\u010diai d\u0117l EURIBOR pal\u016bkanos ma\u017e\u0117jimo rinkoje ir toliau i\u0161lieka auk\u0161ti. Kitas susitikimas EURIBOR klausimu numatytas sausio 30 d., tad Europos Centriniam Bankui pri\u0117mus teigiam\u0105 sprendim\u0105 d\u0117l kito EURIBOR ma\u017einimo, \u012fmoka u\u017e toki\u0105 b\u016bsto paskol\u0105 sudaryt\u0173 net ir ma\u017eiau nei 1 t\u016bkst. eur\u0173\u201c, \u2013 teigia ekspertas.<\/p><p>I\u0161 kitos pus\u0117s, da\u017eniau b\u016bst\u0105 nuomotis, o ne pirkti, gali paskatinti ir besikei\u010dianti darbo rinka.<\/p><p>\u201ePasaulin\u0117s tendencijos pana\u0161ios \u2013 auk\u0161\u010diausios b\u016bst\u0173 kainos yra valstybi\u0173 sostin\u0117se, nes \u010dia aktyviausia darbo rinka, i\u0161vystyta miesto infrastukt\u016bra. Ta\u010diau \u0161iandien nema\u017eai gyventoj\u0173 dirbti gali i\u0161 nam\u0173, tai skatina dom\u0117tis alternatyvomis \u2013 pavyzd\u017eiui, matome tendencij\u0105, kad jaunos \u0161eimos \u017eiemos sezonui persikelia gyventi \u012f \u0161iltesnius pasaulio kra\u0161tus, o savo b\u016bstus tam laikotarpiui i\u0161nuomoja\u201c, \u2013 tvirtina ekspertas.<\/p><p>Anot E. Jurevi\u010diaus, atsakymas, kas labiau apsimoka, pirkti ar nuomotis b\u016bst\u0105, didele dalimi priklauso nuo konkretaus asmens poreiki\u0173 ir galimybi\u0173.<\/p><p>\u201ePrie\u0161 priimant sprendim\u0105 patar\u010diau i\u0161 anksto apgalvoti ateities planus ir dabartin\u012f gyvenimo b\u016bd\u0105 \u2013 ar esate s\u0117slus \u017emogus, ar, susiklos\u010dius tinkamoms aplinkyb\u0117ms, ver\u010diau keliautum\u0117te aplink pasaul\u012f, ar pasiry\u017etum\u0117te dar vienoms kraustyn\u0117ms. Pagaliau, kaip vertinate savo karjeros perspektyvas ir finansines galimybes\u201c, \u2013 sako ekspertas.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0160iuo metu, EURIBOR vir\u0161ijant 2,5 proc., Lietuvos gyventoj\u0173 poreikis \u012fsigyti nuosav\u0105 b\u016bst\u0105 teb\u0117ra pana\u0161iame lygyje kaip 2023 metais. Ta\u010diau gruod\u012f jau ketvirt\u0105 kart\u0105 i\u0161 eil\u0117s \u012fvyk\u0119s pal\u016bkan\u0173 normos ma\u017einimas ir&#8230; <\/p>\n","protected":false},"author":13,"featured_media":117831,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[85,148],"tags":[],"class_list":["post-117830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bustas","category-rinka","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-scaled.jpg",2560,1708,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-1536x1025.jpg",1536,1025,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-2048x1366.jpg",2048,1366,true],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/kitos-temos\/bustas\/\" rel=\"category tag\">B\u016bstas<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/verslas\/rinka\/\" rel=\"category tag\">Rinka<\/a>","tag_info":"Rinka","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/Edvinas-Jurevicius-Luminor-mazmenines-bankininkystes-vadovas-scaled.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/117830","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=117830"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/117830\/revisions"}],"predecessor-version":[{"id":117833,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/117830\/revisions\/117833"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/117831"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=117830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=117830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=117830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}