{"id":131059,"date":"2025-11-04T12:01:00","date_gmt":"2025-11-04T10:01:00","guid":{"rendered":"https:\/\/www.santaka.info\/?p=131059"},"modified":"2025-11-04T12:01:04","modified_gmt":"2025-11-04T10:01:04","slug":"apklausa-penktadalis-lietuvos-gyventoju-niekada-nesiskolino-pinigu","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/11\/04\/apklausa-penktadalis-lietuvos-gyventoju-niekada-nesiskolino-pinigu\/","title":{"rendered":"Apklausa: penktadalis Lietuvos gyventoj\u0173 niekada nesiskolino pinig\u0173"},"content":{"rendered":"<p><strong>Lietuvos gyventojai skolinasi atsakingai ir tik tada, kai tai b\u016btina \u2013 net penktadalis gyventoj\u0173 niekada n\u0117ra \u0117m\u0119 paskolos, rodo naujausi \u201eLuminor\u201d banko duomenys. K\u0105 apie \u0161al\u012f sako toks gyventoj\u0173 elgesys, pasakoja \u201eLuminor<a>\u201d<\/a> banko Vartojimo paskol\u0173 verslo pl\u0117tros vadov\u0117 R\u016bta Myl\u0117.<\/strong><\/p><p>Lietuvos gyventojai Baltijos \u0161alyse i\u0161siskiria atsakingu po\u017ei\u016briu \u012f paskolas. Dauguma j\u0173 skolintis ry\u017etasi tik tuomet, kai tai i\u0161 ties\u0173 b\u016btina, rodo naujausi \u201eLuminor\u201d banko u\u017esakymu atlikta \u201eNorstat\u201d apklausa. Be to, net penktadalis Lietuvos gyventoj\u0173 niekada n\u0117ra \u0117m\u0119 paskolos, ta\u010diau b\u016bt\u0173 link\u0119 tai padaryti, jei i\u0161kilt\u0173 realus poreikis.<\/p><p>\u201eTai, kad didel\u0117 dalis \u017emoni\u0173 paskol\u0105 apsvarsto tik tada, kai to tikrai reikia, rodo atsaking\u0105 po\u017ei\u016br\u012f \u012f finansus ir geb\u0117jim\u0105 planuoti savo biud\u017eet\u0105. Lietuvos gyventojai vengia skubot\u0173 sprendim\u0173 ir skolinasi tik tada, kai to i\u0161 tikr\u0173j\u0173 reikia. Daugumai skolinimasis neb\u0117ra reakcija \u012f momentin\u012f poreik\u012f, &nbsp;o labiau strateginis \u017eingsnis\u201d, \u2013 sako \u201eLuminor\u201c ekspert\u0117.<\/p><p>Jos teigimu, laikydami skolinim\u0105si strateginiu \u017eingsniu, o ne reakcija \u012f trumpalaik\u012f poreik\u012f, galime s\u0105moningiau tvarkyti savo finansus ir i\u0161vengti pernelyg didel\u0117s skolos na\u0161tos. Kitaip tariant, \u012fvertindami ne tik paskolos naud\u0105, bet ir ilgalaikius \u012fsipareigojimus, skolinam\u0117s apgalvotai, pasveriame naudas bei galimas rizikas.<\/p><p><strong>Nuo neatsakingo skolinimosi saugo na\u0161tos baim\u0117<\/strong><\/p><p>Da\u017eniausiai Lietuvos gyventojai neima paskolos tod\u0117l, kad bijo papildomos finansin\u0117s na\u0161tos, kaip rodo apklausa. Anot R. Myl\u0117s, jausti lengva nerim\u0105 gali b\u016bti ir naudinga.<\/p><p>\u201eFinansin\u0117s na\u0161tos baim\u0117 gali b\u016bti sveikas atsargumo signalas. Jis padeda atid\u017eiau \u012fvertinti savo finansines galimybes ir galim\u0105 poveik\u012f m\u016bs\u0173 biud\u017eetui. Ilgalaik\u0117je perspektyvoje tai padeda i\u0161vengti nenumatyt\u0173 problem\u0173, kuri\u0173 atsiranda, jei finansiniai \u012fsipareigojimai b\u016bna nepamatuoti ir tampa per dideli\u201d, \u2013 ai\u0161kina R. Myl\u0117.<\/p><p>Antra da\u017eniausiai nurodoma prie\u017eastis nesiskolinti \u2013 ir taip pakankamas pajam\u0173 bei santaup\u0173 lygis. J\u012f nurodo ne tik Lietuvos gyventojai (29 proc.), bet ir kaimynini\u0173 \u0161ali\u0173 respondentai (34 proc. Estijoje ir 35 proc. Latvijoje).<\/p><p>\u201ePasir\u016bpinti atsargin\u0117mis l\u0117\u0161omis neretas sugebame pats. Kai santaup\u0173 pakanka, i\u0161kilus nenumatytoms i\u0161laidoms skolintis nebereikia, suveikia finansin\u0117s pagalv\u0117s principas. Idealiu atveju paskola tur\u0117t\u0173 b\u016bti ne pinigai kasdien\u0117ms reikm\u0117ms, o apgalvotas sprendimas, skirtas, pavyzd\u017eiui, nekilnojamojo turto investicijoms, naujam automobiliui ar kitiems didesniems tikslams. Lietuvos gyventojai eina b\u016btent \u0161iuo keliu\u201d, \u2013 sako R. Myl\u0117.<\/p><p><strong>Auga finansinis ra\u0161tingumas<\/strong><\/p><p>Pasak ekspert\u0117s, \u0161alies gyventoj\u0173 skolinimosi \u012fpro\u010diai rodo augant\u012f Lietuvos finansin\u012f ra\u0161tingum\u0105.<\/p><p>\u201eAkivaizdu, kad Lietuvoje turime kiek tvirtesn\u012f finansin\u012f pagrind\u0105 nei kaimynai Latvijoje ir Estijoje. Daugiau taupydami, re\u010diau susiduriame su dideliais finansiniais sunkumais, \u012f paskolas \u017evelgdami atsakingai \u2013 grei\u010diau pasiekiame savo tiksl\u0173 ir i\u0161laikome stabil\u0173 gyvenimo lyg\u012f net sud\u0117tingesn\u0117mis ekonomin\u0117mis s\u0105lygomis\u201d, \u2013 pabr\u0117\u017eia \u201eLuminor\u201d ekspert\u0117.<\/p><p>Jos teigimu, atsakingas skolinimasis teigiamai veikia ne tik asmenin\u012f biud\u017eet\u0105, bet ir vis\u0105 \u0161alies ekonomik\u0105. Kai paskolos imamos apgalvotai, da\u017eniausiai jos nukreipiamos \u012f ilgalaikius tikslus. Tokios investicijos skatina ekonomikos augim\u0105 ir prisideda prie tvaresn\u0117s, atsparesn\u0117s \u0161alies ekonomikos k\u016brimo.<\/p><p><em>Apklaus\u0105 \u201eLuminor\u201d banko u\u017esakymu Lietuvoje, Latvijoje ir Estijoje 2025 met\u0173 rugs\u0117jo m\u0117nes\u012f atliko tyrim\u0173 bendrov\u0117 \u201eNorstat\u201d. Kiekvienoje Baltijos \u0161alyje buvo apklausta apie t\u016bkstant\u012f 18\u2013<\/em><em>74<\/em><em> met\u0173 am\u017eiaus \u017emoni\u0173.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Lietuvos gyventojai skolinasi atsakingai ir tik tada, kai tai b\u016btina \u2013 net penktadalis gyventoj\u0173 niekada n\u0117ra \u0117m\u0119 paskolos, rodo naujausi \u201eLuminor\u201d banko duomenys. K\u0105 apie \u0161al\u012f sako toks gyventoj\u0173 elgesys,&#8230; <\/p>\n","protected":false},"author":13,"featured_media":131060,"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":[63,123,129],"tags":[],"class_list":["post-131059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apklausa","category-ekonomika","category-tyrimas","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-scaled.jpg",2560,1708,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-1536x1025.jpg",1536,1025,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-2048x1366.jpg",2048,1366,true],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/apklausa\/\" rel=\"category tag\">Apklausa<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/kitos-temos\/ekonomika\/\" rel=\"category tag\">Ekonomika<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/kitos-temos\/tyrimas\/\" rel=\"category tag\">Tyrimas<\/a>","tag_info":"Tyrimas","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Ruta_Myle-2-scaled.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131059","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=131059"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131059\/revisions"}],"predecessor-version":[{"id":131061,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131059\/revisions\/131061"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/131060"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=131059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=131059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=131059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}