{"id":121300,"date":"2025-04-23T16:40:00","date_gmt":"2025-04-23T13:40:00","guid":{"rendered":"https:\/\/www.santaka.info\/?p=121300"},"modified":"2025-04-23T16:37:28","modified_gmt":"2025-04-23T13:37:28","slug":"apklausa-kas-trecias-susigrazinta-gpm-permoka-isleistu-kasdienems-reikmems","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/04\/23\/apklausa-kas-trecias-susigrazinta-gpm-permoka-isleistu-kasdienems-reikmems\/","title":{"rendered":"Apklausa: kas tre\u010dias susigr\u0105\u017eint\u0105 GPM permok\u0105 i\u0161leist\u0173 kasdien\u0117ms reikm\u0117ms"},"content":{"rendered":"

Mokes\u010di\u0173 deklaravimo laikotarpis kasmet tampa finansiniu i\u0161bandymu daugeliui gyventoj\u0173. Vieni su\u017eino, kad tur\u0117s sumok\u0117ti papildomai, kiti \u2013 kad gali susigr\u0105\u017einti permok\u0105. \u201eCitadele\u201c banko inicijuota apklausa atskleid\u017eia, kad tre\u010ddalis Baltijos \u0161ali\u0173 gyventoj\u0173 gaut\u0105 permok\u0105 i\u0161leist\u0173 kasdien\u0117ms reikm\u0117ms, o 20 proc. lietuvi\u0173 ir est\u0173 bei 25 proc. latvi\u0173 respondent\u0173 l\u0117\u0161as atsid\u0117t\u0173 taupymui ir investavimui.<\/h2>

\u201eCitadele\u201c banko Baltijos \u0161ali\u0173 klient\u0173 patirties tobulinimo centro vadov\u0117s Sandros Gim\u017eauskien\u0117s teigimu, viena da\u017eniausi\u0173 prie\u017eas\u010di\u0173, kod\u0117l gyventojai netik\u0117tai susiduria su papildoma mokestine na\u0161ta, yra netiksliai pritaikytas neapmokestinamasis pajam\u0173 dydis (NPD). Jei darbuotojas per metus gavo premij\u0173, dividend\u0173, kompensacij\u0173 ar ligos i\u0161mok\u0173, gali paai\u0161k\u0117ti, kad jam buvo taikomas per didelis m\u0117nesinis NPD. Tai rei\u0161kia, kad met\u0173 gale gali tekti gr\u0105\u017einti dal\u012f pajam\u0173 mokes\u010dio valstybei.<\/p>

\u201eNorint i\u0161vengti netik\u0117tum\u0173, svarbiausia yra planavimas ir ilgalaikis po\u017ei\u016bris \u012f finansus. Vert\u0117t\u0173 visus metus sekti savo pajamas, pasitarti su darbdaviu d\u0117l NPD taikymo ir \u012fvertinti, ar nereik\u0117t\u0173 i\u0161 anksto atsid\u0117ti l\u0117\u0161\u0173 galimai mokes\u010di\u0173 prievolei\u201c, \u2013 sako S. Gim\u017eauskien\u0117.<\/p>

\"\"
\u201eCitadele\u201c banko Baltijos \u0161ali\u0173 klient\u0173 patirties tobulinimo centro vadov\u0117 Sandra Gim\u017eauskien\u0117. \/ \u201eCitadele\u201c banko nuotr.<\/figcaption><\/figure>

Susigr\u0105\u017einti dal\u012f mokes\u010di\u0173 gali \u017emon\u0117s, mokantys gyvyb\u0117s draudimo \u012fmokas ir pensij\u0173 \u012fmokas \u012f tre\u010dios pakopos pensij\u0173 fondus, jei sutartis buvo sudaryta iki 2024 m. gruod\u017eio 31 d. Taip pat gyventojai, mokantys papildomas \u012fmokas \u012f antros pensij\u0173 pakopos fondus, vir\u0161ijan\u010dias 3 proc. pajam\u0173, \u012fmokas u\u017e studijas ar profesin\u012f mokym\u0105, ir pal\u016bkanas u\u017e b\u016bsto kredit\u0105, jei sutartis sudaryta iki 2009 m. sausio 1 d.<\/p>

Tiems, kurie susigr\u0105\u017eina dal\u012f sumok\u0117to gyventoj\u0173 pajam\u0173 mokes\u010dio, kyla klausimas \u2013 kaip geriausiai panaudoti \u0161ias l\u0117\u0161as? \u201eCitadele\u201c banko inicijuota apklausa rodo, kad did\u017eioji dalis Baltijos \u0161ali\u0173 gyventoj\u0173 permok\u0105 i\u0161leist\u0173 kasdien\u0117ms reikm\u0117ms: maisto produktams, mokes\u010diams susimok\u0117ti, laisvalaikiui (Lietuvoje 29 proc., Latvijoje 41 proc., o Estijoje \u2013 32 proc. apklaust\u0173j\u0173).<\/p>

Kelion\u0117ms l\u0117\u0161as panaudot\u0173 10 proc. lietuvi\u0173, 12 proc. latvi\u0173 ir 7 proc. est\u0173, o labdarai \u2013 vos 2 proc. lietuvi\u0173 ir est\u0173 bei 1 proc. latvi\u0173.<\/p>

Kiek atsakingiau pasielgt\u0173 20 proc. lietuvi\u0173 ir est\u0173 bei 25 proc. latvi\u0173 apklaust\u0173j\u0173, nurod\u017eiusi\u0173, kad susigr\u0105\u017eint\u0105 permok\u0105 taupyt\u0173 ar investuot\u0173: laikyt\u0173 taupomojoje s\u0105skaitoje ar taupyt\u0173 stambesniam pirkiniui, investuot\u0173 \u012f akcijas, obligacijas, fondus. Nedidel\u0117 dalis respondent\u0173 kaupt\u0173 atei\u010diai pensij\u0173 fonduose ar pagal investicinio gyvyb\u0117s draudimo sutart\u012f: 2 proc. lietuvi\u0173, 4 proc. latvi\u0173 ir 5 proc. est\u0173.<\/p>

Sandra Gim\u017eauskien\u0117 pabr\u0117\u017eia, kad netik\u0117tai gautos pajamos da\u017enai suvokiamos kaip galimyb\u0117 spontani\u0161kai i\u0161laidauti, ta\u010diau ilgalaik\u0117je perspektyvoje daug naudingiau jas skirti taupymui ar investavimui.<\/p>

\u201eGeriausia praktika yra vadovautis principu, kad did\u017eioji dalis neplanuot\u0173 pajam\u0173 \u2013 nesvarbu, ar tai b\u016bt\u0173 mokes\u010di\u0173 permoka, darbo premija ar gauta dovana \u2013 tur\u0117t\u0173 b\u016bti nukreipiama \u012f ilgalaik\u012f finansin\u012f saugum\u0105. Jei n\u0117ra sukauptos finansin\u0117s pagalv\u0117s, verta skirti dal\u012f l\u0117\u0161\u0173 santaupoms, o jei ji jau yra, apsvarstyti investavimo galimybes pagal priimtin\u0105 rizik\u0105, pavyzd\u017eiui, terminuotus ind\u0117lius ar akcij\u0173 fondus\u201c, \u2013 teigia S. Gim\u017eauskien\u0117.<\/p>

Ji priduria, kad mokes\u010di\u0173 deklaravimas n\u0117ra tik pareiga valstybei \u2013 tai ir galimyb\u0117 geriau suprasti savo finansus bei priimti ilgalaik\u0119 naud\u0105 duodan\u010dius sprendimus. Svarbiausia \u2013 ne tik pasid\u017eiaugti gr\u0105\u017eintomis l\u0117\u0161omis, bet ir atsakingai nuspr\u0119sti, kaip jas i\u0161leisti.\u201eCitadele\u201c banko u\u017esakymu reprezentatyvi\u0105 Baltijos \u0161ali\u0173 gyventoj\u0173 apklaus\u0105 atliko tyrim\u0173 agent\u016bra \u201eNorstat\u201c 2025 met\u0173 vasar\u012f. Internetin\u0117s apklausos b\u016bdu Lietuvoje, Latvijoje ir Estijoje apklausta ma\u017eiausiai po 1 000 gyventoj\u0173 nuo 18 iki 74 met\u0173.<\/em><\/p>","protected":false},"excerpt":{"rendered":"

Mokes\u010di\u0173 deklaravimo laikotarpis kasmet tampa finansiniu i\u0161bandymu daugeliui gyventoj\u0173. Vieni su\u017eino, kad tur\u0117s sumok\u0117ti papildomai, kiti \u2013 kad gali susigr\u0105\u017einti permok\u0105. \u201eCitadele\u201c banko inicijuota apklausa atskleid\u017eia, kad tre\u010ddalis Baltijos \u0161ali\u0173… <\/p>\n","protected":false},"author":11,"featured_media":121301,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"\u201eUnsplash\u201c nuotr.","_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":[24,3],"tags":[],"class_list":["post-121300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","category-gyvenimas","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i.jpg",1228,819,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i.jpg",1228,819,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i.jpg",1228,819,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i-100x100.jpg",100,100,true]},"author_info":{"info":["laikrastissantaka"]},"category_info":"Aktualijos<\/a> Gyvenimas<\/a>","tag_info":"Gyvenimas","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/04\/Unsplash_Asociatyvi-foto_i.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/121300","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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=121300"}],"version-history":[{"count":3,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/121300\/revisions"}],"predecessor-version":[{"id":121305,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/121300\/revisions\/121305"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/121301"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=121300"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=121300"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=121300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}