{"id":122324,"date":"2025-05-22T09:11:37","date_gmt":"2025-05-22T06:11:37","guid":{"rendered":"https:\/\/www.santaka.info\/?p=122324"},"modified":"2025-05-22T09:11:41","modified_gmt":"2025-05-22T06:11:41","slug":"skola-sodrai-kreipkites-laiku-veliau-bus-taikomas-isieskojimas","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/05\/22\/skola-sodrai-kreipkites-laiku-veliau-bus-taikomas-isieskojimas\/","title":{"rendered":"Skola \u201eSodrai\u201c? Kreipkit\u0117s laiku \u2013 v\u0117liau bus taikomas i\u0161ie\u0161kojimas"},"content":{"rendered":"

Pra\u0117jus daugiau nei dviem savait\u0117ms nuo pajam\u0173 deklaravimo ir \u012fmok\u0173 sumok\u0117jimo termino pabaigos, per 10 t\u016bkstan\u010di\u0173 savaranki\u0161kai dirban\u010di\u0173 \u017emoni\u0173 kreip\u0117si \u012f \u201eSodr\u0105\u201c su pra\u0161ymais atid\u0117ti \u012fmok\u0173 mok\u0117jim\u0105. Tiems, kas nesumok\u0117jo \u012fmok\u0173 ir nesikreip\u0117 d\u0117l j\u0173 atid\u0117jimo, jau siun\u010diami raginimai sumok\u0117ti skol\u0105. To nepadarius, prasid\u0117s skol\u0173 i\u0161ie\u0161kojimas.<\/strong><\/p>

Jei dirbate savaranki\u0161kai, pavyzd\u017eiui, vykdote individuali\u0105 veikl\u0105, nuo u\u017edirbt\u0173 ir deklaruot\u0173 pajam\u0173  turite sumok\u0117ti socialinio draudimo \u012fmokas \u201eSodrai\u201c. \u0160ios \u012fmokos n\u0117ra tik prievol\u0117 \u2013 jos suteikia svarbias socialines garantijas: teis\u0119 \u012f ligos ar motinyst\u0117s i\u0161mokas, pensij\u0105.<\/p>

Svarbu \u012fmokas mok\u0117ti laiku. Jei d\u0117l koki\u0173 nors prie\u017eas\u010di\u0173 to padaryti nepavyksta, galima kreiptis \u012f \u201eSodr\u0105\u201c ir susitarti d\u0117l \u012fmok\u0173 mok\u0117jimo atid\u0117jimo<\/a>. Jei \u017emogus nesumoka \u012fmok\u0173 ir nesikreipia d\u0117l j\u0173 atid\u0117jimo, susidaro skola. Tokiu atveju \u201eSodra\u201c pirmiausia siun\u010dia priminimus ir raginimus sumok\u0117ti, o jeigu \u012f juos nereaguojama \u2013 pradedamas skolos i\u0161ie\u0161kojimo procesas.<\/p>

Ar \u201eSodra\u201c turi teis\u0119 nura\u0161yti l\u0117\u0161as nuo s\u0105skaitos?<\/strong><\/p>

I\u0161ie\u0161koti nesumok\u0117tas \u012fmokas \u201eSodr\u0105\u201c \u012fpareigoja Valstybinio socialinio draudimo \u012fstatymas, o visos i\u0161ie\u0161kojimo priemon\u0117s yra taikomos vadovaujantis teis\u0117s aktais ir Civiliniu kodeksu. Kai savaranki\u0161kai dirbantis asmuo laiku nesumoka \u012fmok\u0173, apskai\u010diuot\u0173 pagal deklaruotas pajamas u\u017e pra\u0117jusius metus, \u201eSodra\u201c nei\u0161ie\u0161ko skolos be i\u0161ankstinio \u012fsp\u0117jimo.<\/p>

Priminimai ir raginimai sumok\u0117ti susidariusi\u0105 skol\u0105 yra siun\u010diami \u012f asmenines gyventojo<\/a> arba draud\u0117jo<\/a> paskyras. Jei asmenin\u0117je paskyroje \u017emogus yra nurod\u0119s savo elektroninio pa\u0161to adres\u0105, informacija siun\u010diama taip pat ir \u0161iuo kanalu.<\/p>

Prane\u0161imuose nurodyta skolos suma ir jos sumok\u0117jimo terminas. Jei \u012f raginim\u0105 nereaguojama \u2013 pradedamas priverstinis skolos i\u0161ie\u0161kojimas. Tuomet \u201eSodra\u201c turi teis\u0119 pateikti mok\u0117jimo nurodym\u0105 kredito \u012fstaigoms, arba, kalbant paprastai \u2013 nura\u0161yti mok\u0117tin\u0105 sum\u0105 nuo skolininko s\u0105skaitos.<\/p>

Kaip vyksta skolos i\u0161ie\u0161kojimas?<\/strong><\/p>

Jei savanori\u0161kai skola nepadengiama, \u201eSodra\u201c teikia mok\u0117jimo nurodymus per Pinigini\u0173 l\u0117\u0161\u0173 apribojimo informacin\u0119 sistem\u0105 (PLAIS), kuri\u0105 administruoja Registr\u0173 centras. \u0160i sistema leid\u017eia automati\u0161kai apriboti ir nura\u0161yti skolos sum\u0105 i\u0161 skolininko s\u0105skait\u0173, esan\u010di\u0173 Lietuvos kredito, mok\u0117jim\u0173 ar pinig\u0173 \u012fstaigose, pavyzd\u017eiui, asmenin\u0117s banko s\u0105skaitos, Revolut s\u0105skaitos ir kit\u0173.<\/p>

Svarbu \u017einoti, kad apribojimai taikomi visose s\u0105skaitose bendrai skolos sumai, ta\u010diau nura\u0161ymas atliekamas tik tol, kol padengiama skola. Likusiose s\u0105skaitose apribojimai nedelsiant panaikinami.<\/p>

Pavyzd\u017eiui \u2013 \u017emogus turi 500 eur\u0173 skol\u0105 ir naudojasi penkiomis skirtingomis s\u0105skaitomis. Pateikus mok\u0117jimo nurodym\u0105 per PLAIS, visose s\u0105skaitose atsiras apribojimai 500 eur\u0173 sumai.<\/p>

Vis d\u0117lto tai nerei\u0161kia, kad apribota suma nura\u0161oma nuo vis\u0173 s\u0105skait\u0173. Kai \u2013 priklausomai nuo turim\u0173 l\u0117\u0161\u0173 \u2013 skola bus nura\u0161yta nuo vienos ar keli\u0173 s\u0105skait\u0173, kitose s\u0105skaitose apribojimai bus i\u0161kart panaikinti. Da\u017eniausiai tai \u012fvyksta per kelias valandas.<\/p>

Ar l\u0117\u0161os i\u0161ie\u0161komos tik i\u0161 Lietuvoje esan\u010di\u0173 s\u0105skait\u0173?<\/strong><\/p>

Jei skolininkas gyvena u\u017esienyje \u2013 Europos S\u0105jungos, Europos ekonomin\u0117s erdv\u0117s \u0161alyse, \u0160veicarijoje ar Jungtin\u0117je Karalyst\u0117je \u2013 skolos i\u0161ie\u0161kojimo pra\u0161ymas perduodamas atitinkamos \u0161alies institucijoms, kurios veikia pagal savo teis\u0117s aktus.<\/p>

Ar \u201eSodra\u201c nura\u0161o vis\u0105 s\u0105skaitoje esan\u010di\u0105 sum\u0105?<\/strong><\/p>

Automati\u0161kai pritaikoma suma, kurios negalima nura\u0161yti \u2013 vadinamoji nei\u0161ie\u0161koma suma.
2025 metais ji siekia 450 eur\u0173 per m\u0117nes\u012f. \u017dmogus gali kreiptis \u012f mok\u0117jimo nurodym\u0173 teik\u0117j\u0105 d\u0117l nei\u0161ie\u0161komos sumos padidinimo, jei pateikia pagr\u012fstus dokumentus.<\/p>

Nei\u0161ie\u0161koma suma galioja kalendorin\u012f m\u0117nes\u012f ir lieka galioti, kol nenuimami visi apribojimai, n\u0117ra pateikta nauja suma ar nepasikei\u010dia nura\u0161ymo tvarka.<\/p>

Pavyzd\u017eiui, jeigu \u017emogus skolingas 400 eur\u0173, o jo s\u0105skaitoje yra 650 eur\u0173, bus nura\u0161yta 200 eur\u0173, o 450 eur\u0173 palikta kaip nei\u0161ie\u0161koma suma. Jeigu s\u0105skaitoje yra ne daugiau kaip 450 eur\u0173, \u0161i suma yra nelie\u010diama ir skolininkas ja gali naudotis.<\/p>

Ar nura\u0161ant skol\u0105, papildomai nura\u0161omi mokes\u010diai?<\/strong><\/p>

Taip, kredito \u012fstaiga nura\u0161o mokest\u012f u\u017e l\u0117\u0161\u0173 pervedim\u0105 ir PLAIS palaikymo mokest\u012f. \u0160is mokestis siekia yra 1,02 euro u\u017e vien\u0105 nura\u0161ym\u0105.<\/p>

Ar galima kreiptis d\u0117l skolos atid\u0117jimo, jei l\u0117\u0161os s\u0105skaitoje jau apribotos?<\/strong><\/p>

Taip, pateikus pra\u0161ym\u0105 ir reikiamus dokumentus d\u0117l \u012fsiskolinimo sumok\u0117jimo atid\u0117jimo, pateikti mok\u0117jimo nurodymai yra at\u0161aukiami.<\/p>

Ar gali b\u016bti taikomi kiti skol\u0173 i\u0161ie\u0161kojimo b\u016bdai?<\/strong><\/p>

Jei nepavyksta l\u0117\u0161\u0173 i\u0161ie\u0161koti pateikus mok\u0117jimo nurodym\u0105, gali b\u016bti taikomos kitos skolos i\u0161ie\u0161kojimo priemon\u0117s: are\u0161tuojamas asmens turtas, nustatoma skolininko turtui priverstin\u0117 hipoteka ar \u012fkeitimas, skolos i\u0161ie\u0161kojimas gali b\u016bti perduotas antstoliui ar asmens darbdaviui.<\/p>

Prad\u0117jus i\u0161ie\u0161kojim\u0105 jis gali b\u016bti t\u0119siamas, nepaisant to, kad jo metu sueina priverstinio i\u0161ie\u0161kojimo terminas, tad skolos da\u017eniausiai n\u0117ra nura\u0161omos.<\/p>","protected":false},"excerpt":{"rendered":"

Pra\u0117jus daugiau nei dviem savait\u0117ms nuo pajam\u0173 deklaravimo ir \u012fmok\u0173 sumok\u0117jimo termino pabaigos, per 10 t\u016bkstan\u010di\u0173 savaranki\u0161kai dirban\u010di\u0173 \u017emoni\u0173 kreip\u0117si \u012f \u201eSodr\u0105\u201c su pra\u0161ymais atid\u0117ti \u012fmok\u0173 mok\u0117jim\u0105. Tiems, kas nesumok\u0117jo… <\/p>\n","protected":false},"author":13,"featured_media":118611,"comment_status":"open","ping_status":"closed","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-122324","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\/02\/SoDra.jpg",431,311,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra-300x216.jpg",300,216,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg",431,311,false],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg",431,311,false],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg",431,311,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg",431,311,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg",431,311,false],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg",431,311,false],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg",431,311,false],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"Aktualijos<\/a>","tag_info":"Aktualijos","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/02\/SoDra.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/122324","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=122324"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/122324\/revisions"}],"predecessor-version":[{"id":122325,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/122324\/revisions\/122325"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/118611"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=122324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=122324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=122324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}