{"id":18930,"date":"2022-10-24T11:25:57","date_gmt":"2022-10-24T08:25:57","guid":{"rendered":"https:\/\/www.17047165566933.sritis.lt\/index.php\/2022\/10\/24\/busto-paskola-paveldeta-is-artimo-zmogaus-ka-daryti-2\/"},"modified":"2024-12-30T11:36:25","modified_gmt":"2024-12-30T08:36:25","slug":"busto-paskola-paveldeta-is-artimo-zmogaus-ka-daryti-2","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2022\/10\/24\/busto-paskola-paveldeta-is-artimo-zmogaus-ka-daryti-2\/","title":{"rendered":"B\u016bsto paskola, paveld\u0117ta i\u0161 artimo \u017emogaus: k\u0105 daryti?"},"content":{"rendered":"<p><em><\/em><\/p>\n<p>Po \u017emogaus mirties artimieji paveldi ne tik mirusiojo kilnojam\u0105j\u012f ar nekilnojam\u0105j\u012f turt\u0105, bet ir skolas, tarp j\u0173 &ndash; ir b\u016bsto paskolas. Tai rei\u0161kia, kad prie\u0161 priimdami palikim\u0105 tur\u0117tum\u0117te atid\u017eiai susipa\u017einti su jo sud\u0117timi ir \u012fvertinti, ar jums b\u016bt\u0173 naudingas toks sprendimas.  <\/p>\n<p>Mirusio \u017emogaus artimieji neretai nepagalvoja, kad velionio palikimas yra ne tik sukaupti pinigai, b\u016bstas, asmeniniai jo daiktai, bet ir&#8230; skolos. Tod\u0117l mirus \u017emogui, kurio paveld\u0117toju esate, reik\u0117t\u0173 pirmiausia kreiptis \u012f notar\u0105, kad su\u017einotum\u0117te, k\u0105 tiksliai paveld\u0117jote. Jeigu paai\u0161k\u0117ja, kad velionis tur\u0117jo paskol\u0173, rekomenduojama aptarti su paskolomis susijusius klausimus \u0161eimoje, \u012fvertinti visas aplinkybes ir finansin\u0119 situacij\u0105.  <br \/> <br \/>\n&bdquo;Artimo \u017emogaus mirtis yra vienas did\u017eiausi\u0173 stres\u0173, tod\u0117l neretai artimieji sprendimus priima gerai nepasigilin\u0119, skub\u0117dami. Vis tiktai patar\u010diau nuodugniai i\u0161siai\u0161kinti ir ramiai priimti sprendim\u0105, k\u0105 tur\u0117tum\u0117te paveld\u0117ti ir ar nor\u0117site palikim\u0105 priimti&ldquo;, &ndash; sak\u0117 &bdquo;Luminor&ldquo; banko b\u016bsto kredito produkto vadov\u0117 \u017dydra Rakauskait\u0117.  <br \/> <br \/>\nPaveldimo turto administravim\u0105 vykdo notaras, kuris surenka informacij\u0105 apie mirusiojo turt\u0105 ir \u012fsipareigojimus, \u012fskaitant paskolas. Palikimas gali b\u016bti priimtas bendra tvarka. Tokiu atveju \u012fp\u0117dinis visi\u0161kai atsako u\u017e mirusiojo kreditinius \u012fsipareigojimus &ndash; tiek paveld\u0117tu, tiek savo turtu. Ta\u010diau taip pat galite palikim\u0105 priimti pagal turto apyra\u0161\u0105 &ndash; tai paveld\u0117tojui leis apsisaugoti nuo paveldimo turto vert\u0119 vir\u0161ijan\u010di\u0173 \u012fsipareigojim\u0173.  <br \/> <br \/>\n&bdquo;Sudar\u0119 turto apyra\u0161\u0105 b\u016bsite apsaugoti nuo situacijos, kai laikui b\u0117gant su\u017einote apie velionio \u012fsipareigojimus, kurie vir\u0161ija j\u016bs\u0173 galimybes ar smarkiai pablogina j\u016bs\u0173 finansin\u0119 situacij\u0105. Tod\u0117l suskai\u010diuoti vis\u0105 palikim\u0105 ir padaryti apyra\u0161\u0105 yra rekomenduojama norintiesiems apsisaugoti nuo netik\u0117tum\u0173&ldquo;, &ndash; patar\u0117 ekspert\u0117.  <br \/> <br \/>\nVienais atvejais turto apyra\u0161o sudarymas yra privalomas, pavyzd\u017eiui, jei \u012fp\u0117dinis yra nepilnametis arba \u012fp\u0117diniui atstovauja \u012fgaliotas asmuo, ta\u010diau kitais atvejais s\u0105ra\u0161as sudaromas tik paties \u012fp\u0117dinio pra\u0161ymu. Turto apyra\u0161\u0105 pagal paveld\u0117tojo pra\u0161ym\u0105 atlieka antstolis.  <br \/> <br \/>\nApsisprend\u017eiant d\u0117l palikimo pri\u0117mimo svarbu \u017einoti, kad palikimas gali b\u016bti priimtas arba atmestas tik visas, paveld\u0117tojas negali priimti kaip palikim\u0105 tik turt\u0105, bet nepriimti tur\u0117t\u0173 kredit\u0173. Tod\u0117l jei gav\u0119 palikim\u0105 nepasidom\u0117jote pas notar\u0105, gali b\u016bti, kad laikui b\u0117gant j\u016bs\u0173 laukia nemaloni staigmena &ndash; \u017einia apie \u012fsiskolinim\u0105 bankui.  <br \/> <br \/>\nApie mirusiojo tur\u0117tas banko paskolas paveld\u0117tojas gali su\u017einoti i\u0161 banko. Tarkime, jei turto paveld\u0117tojai nesikreipia \u012f bank\u0105 ir nemoka kredito \u012fmok\u0173, tuomet bankas pateikia u\u017eklaus\u0105 \u012f Registr\u0173 centro Testament\u0173 registr\u0105, kad i\u0161siai\u0161kint\u0173, kas paveld\u0117jo ar kreip\u0117si \u012f notar\u0105 d\u0117l mirusio \u017emogaus turto paveld\u0117jimo. I\u0161 Registr\u0173 centro gavus duomenis apie paveld\u0117tojus \u0161ie informuojami, kad yra atsakingi u\u017e mirusio \u017emogaus skol\u0105 bankui bei raginami j\u0105 sumok\u0117ti.  <br \/> <br \/>\nJei esate paveld\u0117tojas ir \u017einote apie velionio paskolas, rekomenduojama nedelsiant kreiptis \u012f bank\u0105, informuojant apie skolininko mirt\u012f. Jei paveld\u0117tojas turi informacijos apie mirusiojo kredit\u0105, reik\u0117t\u0173 pasir\u016bpinti paskolos \u012fmokomis, kad neb\u016bt\u0173 v\u0117luojama, nes paskolos mok\u0117jimai n\u0117ra nukeliami, jie kaupiasi ir delsiant kur\u012f laik\u0105 gali susidaryti nema\u017eos sumos, kurios paveld\u0117tojui sukels r\u016bpes\u010di\u0173.  <br \/> <br \/>\nPo artimo \u017emogaus mirties taip pat rekomenduojama pasidom\u0117ti, ar velionis tur\u0117jo draudimo sutartis, numatan\u010dias kompensacijos i\u0161mok\u0117jim\u0105 mirties atveju. Kompensacija mokama atsi\u017evelgiant \u012f draudimo sutarties s\u0105lygas, ta\u010diau mirties atveju gali b\u016bti nemenka parama paveld\u0117tojams. Kompensacija i\u0161mokama \u012fp\u0117diniams arba polise nurodytam asmeniui, kuris v\u0117liau gali nuspr\u0119sti, ar pinigus panaudoti paskolos liku\u010diui apmok\u0117ti, ar kitiems tikslams.  <\/p>\n<p>&bdquo;Luminor&ldquo; banko inf.    <\/p>\n<p>   Daugiau:   <a href=\"https:\/\/finorabank.eu\/lt\/paskola-verslui\/\">    <b>  Paskola verslui  <\/b>    <\/a>    <\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Po \u017emogaus mirties artimieji paveldi ne tik mirusiojo kilnojam\u0105j\u012f ar nekilnojam\u0105j\u012f turt\u0105, bet ir skolas, tarp j\u0173 &ndash; ir b\u016bsto paskolas. Tai rei\u0161kia, kad prie\u0161 priimdami palikim\u0105 tur\u0117tum\u0117te atid\u017eiai susipa\u017einti&#8230; <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","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":[113],"tags":[],"class_list":["post-18930","post","type-post","status-publish","format-standard","hentry","category-teisetvarka","pmpro-has-access"],"featured_image_urls":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","post-thumbnail":"","visualnews_post_thumb":"","woocommerce_thumbnail":"","woocommerce_single":"","woocommerce_gallery_thumbnail":""},"author_info":{"info":["admin"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/teisesauga\/teisetvarka\/\" rel=\"category tag\">Teis\u0117tvarka<\/a>","tag_info":"Teis\u0117tvarka","comment_count":"0","jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/18930","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=18930"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/18930\/revisions"}],"predecessor-version":[{"id":69256,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/18930\/revisions\/69256"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=18930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=18930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=18930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}