{"id":121748,"date":"2025-05-06T13:11:44","date_gmt":"2025-05-06T10:11:44","guid":{"rendered":"https:\/\/www.santaka.info\/?p=121748"},"modified":"2025-05-06T13:11:44","modified_gmt":"2025-05-06T10:11:44","slug":"refinansavimo-pokyciai-isjudino-busto-paskolu-rinka-norinciu-persidereti-daugiau-nei-imanciu-naujas-paskolas","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/05\/06\/refinansavimo-pokyciai-isjudino-busto-paskolu-rinka-norinciu-persidereti-daugiau-nei-imanciu-naujas-paskolas\/","title":{"rendered":"Refinansavimo poky\u010diai i\u0161judino b\u016bsto paskol\u0173 rink\u0105 \u2013 norin\u010di\u0173 persider\u0117ti daugiau nei iman\u010di\u0173 naujas paskolas"},"content":{"rendered":"<p><strong>Nuo vasario \u012fsigaliojus naujoms b\u016bsto paskol\u0173 refinansavimo taisykl\u0117ms, bankai jau sp\u0117jo pajusti pirmuosius vartotoj\u0173 elgsenos poky\u010dius. \u201eUrbo\u201c bankas pastebi, kad atskiromis savait\u0117mis refinansavimo sutar\u010di\u0173 apimtys netgi vir\u0161ija naujai sudarom\u0173 b\u016bsto paskol\u0173 sutar\u010di\u0173 skai\u010di\u0173. Iki \u0161i\u0173 met\u0173 tokios tendencijos nebuvo fiksuojamos.<\/strong><\/p><p>\u201eAkivaizdu, kad palengvintas b\u016bsto paskol\u0173 refinansavimo procesas i\u0161judino rink\u0105 ir suaktyvino bank\u0173 tarpusavio konkurencij\u0105. Nuo to labiausiai laimi klientai \u2013 kaip rodo praktika, pasinaudoj\u0119 refinansavimo galimyb\u0117mis b\u016bsto kredito gav\u0117jai per vis\u0105 paskolos laikotarp\u012f gali sutaupyti &nbsp;apie 6-8 t\u016bkst. eur\u0173\u201c, \u2013 sako \u201eUrbo\u201c banko Verslo tarnybos direktorius Julius Iva\u0161ka.<\/p><p>Lietuvos banko duomenimis, vien vasario m\u0117nes\u012f Lietuvoje refinansuota beveik 3 kartus daugiau b\u016bsto paskol\u0173 nei saus\u012f.<\/p><p>J. Iva\u0161kos nuomone, suaktyv\u0117jus\u012f refinansavim\u0105 labiausiai l\u0117m\u0117 du veiksniai: su refinansavimu susijusi\u0173 i\u0161laid\u0173 perk\u0117limas kredito suteik\u0117jui ir pastaraisiais m\u0117nesiais nuosekliai ma\u017e\u0117janti b\u016bsto paskol\u0173 mar\u017ea.<\/p><p>Konkreti sutaupyta suma paskol\u0105 refinansuojantiems asmenims priklauso nuo daugyb\u0117s veiksni\u0173 \u2013 kredito liku\u010dio sutarties persira\u0161ymo metu, jos trukm\u0117s, paskolos tur\u0117tojo pajam\u0173 dyd\u017eio ir t. t.<\/p><p>\u201ePavyzd\u017eiui, turime 80 t\u016bkst. eur\u0173 dyd\u017eio, 25-eri\u0173 met\u0173 trukm\u0117s b\u016bsto paskol\u0105, kuri gr\u0105\u017einama lygiomis dalimis kiekvien\u0105 m\u0117nes\u012f, o jos metin\u0117s pal\u016bkanos siekia 4,2 proc. Jei, \u0161i\u0105 paskol\u0105 refinansuojant, pal\u016bkanos suma\u017einamos iki 3,7 proc., m\u0117nesin\u0117 \u012fmoka suma\u017e\u0117t\u0173 daugiau nei 22 eurais (apytiksliai nuo 431 iki 409 eur\u0173), o per 25-erius metus pavykt\u0173 sutaupyti daugiau nei 6,5 t\u016bkst. eur\u0173\u201c \u2013 skai\u010diuoja J. Iva\u0161ka.<\/p><p>Lietuvos bankas skelbia, kad vasario m\u0117nes\u012f refinansuot\u0173 b\u016bsto paskol\u0173 vidutin\u0117 mar\u017ea sudar\u0117 1,4 proc. ir buvo ma\u017eesn\u0117 u\u017e vidutin\u0119 naujos b\u016bsto paskolos mar\u017e\u0105. Refinansuodami turimas b\u016bsto paskolas, j\u0173 tur\u0117tojai vasario m\u0117nes\u012f vidutini\u0161kai mar\u017e\u0105 susima\u017eino 0,55 proc. punkto, o tai jiems leis per vis\u0105 paskolos laikotarp\u012f vidutini\u0161kai sutaupyti po 8 t\u016bkst. eur\u0173.<\/p><p>J. Iva\u0161ka pabr\u0117\u017eia, kad did\u017eiausi\u0105 naud\u0105, refinansuodami savo turimas b\u016bsto paskolas, gali tur\u0117ti tie, kurie sutartis sudar\u0117 tuomet, kai pal\u016bkanos buvo stipriai i\u0161augusios. Pernai ruden\u012f \u201eUrbo\u201c u\u017esakymu atliktos apklausos duomenimis, 36 proc. b\u016bsto paskol\u0173 gav\u0117j\u0173 yra pasira\u0161\u0119 kredito sutartis su 2-3 proc. dyd\u017eio pal\u016bkan\u0173 mar\u017ea, o 11 proc. \u2013 su didesne nei 3 proc. pal\u016bkan\u0173 mar\u017ea.<\/p><p>\u201ePavyzd\u017eiui, vien Euribor 6 m\u0117nesi\u0173 bazin\u0117s pal\u016bkanos nuo daugiau nei 4 proc. 2023 m. spal\u012f \u0161iuo metu yra suma\u017e\u0117j\u0119 dvigubai \u2013 iki 2,1 proc. Lietuvos banko duomenimis, pastaraisiais metais ma\u017edaug tre\u010ddaliu ma\u017e\u0117jo ir vidutin\u0117 Lietuvoje i\u0161duodam\u0173 b\u016bsto paskol\u0173 bank\u0173 mar\u017ea: nuo 2,43 proc. 2022-aisiais iki 1,6 proc. \u0161i\u0173 met\u0173 prad\u017eioje. Tad auk\u0161t\u0173 pal\u016bkan\u0173 laikotarpiu paimt\u0173 b\u016bsto paskol\u0173 savininkams \u0161iuo metu yra itin palankus metas apsvarstyti refinansavimo galimyb\u0119\u201c, \u2013 sako J. Iva\u0161ka.<\/p><p>Lietuvos banko skai\u010diavimais, i\u0161 viso per 2024\u20132025 m. d\u0117l paskol\u0173 s\u0105lyg\u0173 su savo banku persitar\u0117 ar kitame banke paskol\u0105 refinansavo beveik 20 t\u016bkst. vartotoj\u0173. Susima\u017ein\u0119 b\u016bsto paskol\u0173 mar\u017eas, visi kartu jie potencialiai sutaupys daugiau nei 125 mln. eur\u0173. Pasak centrinio banko, refinansavus absoliu\u010diai visas m\u016bs\u0173 \u0161alyje i\u0161duotas b\u016bsto paskolas, bendrai b\u016bt\u0173 galima sutaupyti iki pus\u0117s milijardo eur\u0173.<\/p>","protected":false},"excerpt":{"rendered":"<p>Nuo vasario \u012fsigaliojus naujoms b\u016bsto paskol\u0173 refinansavimo taisykl\u0117ms, bankai jau sp\u0117jo pajusti pirmuosius vartotoj\u0173 elgsenos poky\u010dius. \u201eUrbo\u201c bankas pastebi, kad atskiromis savait\u0117mis refinansavimo sutar\u010di\u0173 apimtys netgi vir\u0161ija naujai sudarom\u0173 b\u016bsto&#8230; <\/p>\n","protected":false},"author":13,"featured_media":121749,"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":[24],"tags":[],"class_list":["post-121748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-scaled.jpg",2560,1708,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-1536x1025.jpg",1536,1025,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-2048x1366.jpg",2048,1366,true],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/\" rel=\"category tag\">Aktualijos<\/a>","tag_info":"Aktualijos","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/05\/Julius-Ivaska-scaled.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/121748","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=121748"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/121748\/revisions"}],"predecessor-version":[{"id":121750,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/121748\/revisions\/121750"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/121749"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=121748"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=121748"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=121748"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}