{"id":204,"date":"2021-04-07T18:25:27","date_gmt":"2021-04-07T15:25:27","guid":{"rendered":"https:\/\/www.untu.lt\/blog\/?p=204"},"modified":"2021-10-05T15:20:40","modified_gmt":"2021-10-05T12:20:40","slug":"reikalavimai-busto-paskolai-gauti","status":"publish","type":"post","link":"https:\/\/www.untu.lt\/blog\/reikalavimai-busto-paskolai-gauti","title":{"rendered":"Reikalavimai b\u016bsto paskolai gauti"},"content":{"rendered":"\n<p>Jeigu svarstote apie naujus namus ar svajoni\u0173 b\u016bst\u0105, ko gero neapsieisite be b\u016bsto paskolos. Sutaupyti vis\u0105 sum\u0105 i\u0161 karto \u2013 sud\u0117tinga bei trunka be galo daug laiko, tod\u0117l daugelis papras\u010diausiai renkasi imti b\u016bsto kredit\u0105. Jeigu atsakingai pasv\u0117r\u0117te savo finansines galimybes ir pasiry\u017eote pirkti arba statyti naujus namus, jums bus aktualu su\u017einoti, ko reikia norint gauti b\u016bsto paskol\u0105? Lietuvos finans\u0173 \u012fstaigos (bankai, kredit\u0173 unijos, skolinimo platformos ir t.t.) skolinti gali tik besivadovaudamos Lietuvos banko priimtais Atsakingo skolinimo nuostatais. Remiantis \u0161iuo dokumentu ir nustatyti reikalavimai b\u016bsto paskolai gauti. Pasi\u017ei\u016br\u0117kime \u012f juos!<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Koki\u0173 dokument\u0173 reikia?<\/h2>\n\n\n\n<p>Svarbiausias dalykas, norint gauti paskol\u0105 \u2013 reikiam\u0173 dokument\u0173 pateikimas finansinei institucijai. Tik nustat\u0119 j\u016bs\u0173 tapatyb\u0119, \u012fvertin\u0119 mokum\u0105 bei tur\u0117dami vis\u0105 informacij\u0105 apie perkam\u0105 NT, bankai ar kredito \u012fstaigos gal\u0117s suteikti kredit\u0105. \u0160tai tie dokumentai, kuri\u0173 reikia bankui ar finans\u0173 \u012fstaigai:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Tapatyb\u0117s dokumentai (Pasas, asmens tapatyb\u0117s kortel\u0117);<\/li><li>\u012fvair\u016bs sutikimai d\u0117l asmens duomen\u0173 tvarkymo ir pati kredito gavimo parai\u0161ka (\u0161iuos dokumentus jums pateiks pati kredito \u012fstaiga);<\/li><li>pa\u017eyma i\u0161 darboviet\u0117s d\u0117l darbo u\u017emokes\u010dio (su \u012fmon\u0117s vadovo, vyr. finansininko arba atitinkamas pareigas u\u017eiman\u010di\u0173 asmen\u0173 para\u0161ais);<ul><li>jeigu pajamas gaunate ne pagal darbo sutart\u012f (nedirbate samdomo darbo), reikalingi atitinkami dokumentai (pvz., pajam\u0173 \u017eurnalas, i\u0161ra\u0161ai, sutartys ir pn\u0161.,);<\/li><\/ul><\/li><li>sutuoktinio(-\u0117s) sutikimas, jeigu paskol\u0105 imate b\u016bdami santuokoje.<\/li><\/ul>\n\n\n\n<p>V\u0117liau dar reik\u0117s pateikti perkamo NT vertinimo ataskait\u0105.<\/p>\n\n\n\n<p>\u0160is s\u0105ra\u0161as apima dokumentus, kurie reikalingi imant standartin\u0119 paskol\u0105 (kredit\u0105) b\u016bsto \u012fsigijimui. Jeigu reikia kredito rekonstrukcijai arba reikalinga valstyb\u0117s i\u0161 dalies kompensuojama paskola b\u016bstui, tuomet dokument\u0173 s\u0105ra\u0161as kiek skiriasi ir ple\u010diasi.<\/p>\n\n\n\n<p>Rekonstrukcijai ar statybai imamos paskolos reikalavimuose atsiras: rangos dokumentai, sutartys statybai, nuomai, grafikai, kiti i\u0161ra\u0161ai.<\/p>\n\n\n\n<p>Na, o valstyb\u0117s kompensuojamai paskolai gauti reikia ir savivaldyb\u0117s i\u0161duot\u0105 pa\u017eym\u0105 apie tinkamum\u0105 pretendavimui \u012f subsidij\u0105.<\/p>\n\n\n\n<style type=\"text\/css\">\n        .untu_ad {\n            max-width: 720px;\n            background-color: #d6eafe;\n            min-width: 231px;\n        }\n\n        .untu_ad__left {\n            max-width: 415px;\n        }\n\n        .untu_ad__title {\n            font-size: 25px;\n            line-height: 30px;\n            font-weight: bold;\n        }\n\n        .untu_ad__description {\n            font-size: 14px;\n        }\n\n        .untu_ad .btn {\n            font-size: 14px;\n            border: none !important;\n            box-shadow: none !important;\n        }\n\n        .untu_ad .btn-primary {\n            background-color: #1278E2;\n        }\n    <\/style>\n    <div class=\"container untu_ad px-3 px-md-5 py-3 my-3 rounded\">\n        <div class=\"row align-items-center\">\n            <div class=\"col untu_ad__left\">\n                <div class=\"untu_ad__title\">Kiek j\u016bs\u0173 b\u016bstas vertas \u0161iandien?<\/div>\n                <div class=\"untu_ad__description\">Pasitikrinkite nemokamai<\/div>\n            <\/div>\n            <div class=\"col-12 col-sm-auto mt-2 mt-sm-0\">\n                <a href=\"\/wizard-flat\/address?ref=untu_blog_ad\" class=\"d-block btn btn-primary w-100\">Tikrinti buto kain\u0105<\/a>\n                <a href=\"\/wizard-house\/address?ref=untu_blog_ad\" class=\"d-block btn btn-primary w-100 mt-2\">Tikrinti namo kain\u0105<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Kokie reikalavimai keliami paskolos gav\u0117jui?<\/h2>\n\n\n\n<p>Paskolos gav\u0117jas turi atitikti <a href=\"https:\/\/www.lb.lt\/lt\/renginiai\/antradieni-lietuvos-banke-zurnalistams-bus-pristatytos-atsakingo-skolinimo-nuostatos\" target=\"_blank\" rel=\"noreferrer noopener\">Atsakingo skolinimo nuostatuose<\/a> i\u0161keltus reikalavimus. Jeigu atitinkamos visos s\u0105lygos, tuomet parai\u0161ka bus patvirtinta ir klientas gaus b\u016bsto kredit\u0105.<\/p>\n\n\n\n<p>Paskolos gav\u0117jas turi tur\u0117ti bent 15% b\u016bsto vert\u0117s arba kainos (skai\u010diuojama pagal ma\u017eesn\u012f dyd\u012f) atitinkant\u012f pradin\u012f \u012fna\u0161\u0105. Pradinio \u012fna\u0161o pinigai privalo b\u016bti nuosavos l\u0117\u0161os. Tai negali b\u016bti pasiskolinti ar svetimi pinigai.<\/p>\n\n\n\n<p>Paskolos gav\u0117jas taip pat privalo gauti tvarias pajamas bent 6 m\u0117nesius iki parai\u0161kos pateikimo datos. Jeigu pajamas gaunate ne i\u0161 darboviet\u0117s, realiau tik\u0117tis, kad finans\u0173 \u012fstaiga reikalaus ataskait\u0173 apie stabilias pajamas 12-24 m\u0117nesi\u0173 laikotarpiu.<\/p>\n\n\n\n<p>Reikia, kad pajamos \u201e\u012f rankas\u201c b\u016bt\u0173 gerokai didesn\u0117s u\u017e numatom\u0105 m\u0117nesio \u012fmok\u0105. Ji, sud\u0117jus kartu su kit\u0173 \u012fsipareigojim\u0173 suma (jei toki\u0173 yra), negali b\u016bti didesn\u0117 u\u017e 40% gryn\u0173j\u0173 m\u0117nesio pajam\u0173. Jeigu paskol\u0105 ima sutuoktiniai, skai\u010diuojamos bendros nam\u0173 \u016bkio pajamos.<\/p>\n\n\n\n<p>Atitikus \u0161iuos reikalavimus, realu tik\u0117tis gauti kredit\u0105 b\u016bstui \u012fsigyti, renovuoti ar statyti.<\/p>\n\n\n\n<p>Jeigu \u012fdomu, tai Lietuvoje galiojantys skolinimo nuostatai labai primena ir yra paremti tomis taisykl\u0117mis, kurios galioja \u0160vedijoje. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Papildomi niuansai<\/h2>\n\n\n\n<p>Dauguma kredito \u012fstaig\u0173 gali reikalauti jus ne tik apdrausti perkam\u0105 b\u016bst\u0105, bet ir apsidrausti gyvyb\u0119.<\/p>\n\n\n\n<p>Jeigu perkate b\u016bst\u0105 arba planuojate statyti, renovuoti b\u016bst\u0105, kuris n\u0117ra pagrindin\u0117 gyvenamoji vieta, gali reik\u0117ti didesnio pradinio \u012fna\u0161o arba trump\u0117ja maksimalus kredito \u0117mimo terminas (pvz., nuo 30 iki 20 ar 25 met\u0173).<\/p>\n\n\n\n<p>Paskol\u0105 galima imti su kintamosiomis arba fiksuotomis pal\u016bkanomis. Kredit\u0105 galima gr\u0105\u017einti linijiniu arba anuiteto metodu.<\/p>\n\n\n\n<p>Netik\u0117tai pasikeitus gyvenimo aplinkyb\u0117ms (pvz., gimus vaikui, suma\u017e\u0117jus pajamoms, netekus darbo ar pn\u0161.) kredito \u012fstaiga atid\u0117s \u012fmok\u0173 mok\u0117jim\u0105 sutartyje numatytam laikui.<\/p>\n\n\n\n<p>Kai kada gali b\u016bti reikalingos u\u017etikrinimo priemon\u0117s (garantija, laiduotojas ir kt.). Apie tokios priemon\u0117s poreik\u012f jus informuos pati kredito \u012fstaiga.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alternatyva b\u016bsto paskolai<\/h2>\n\n\n\n<p>Jeigu nenorite \u012fsipareigoti bankui labai ilgam laikotarpiui, verta pasvarstyti apie alternatyvius sprendimus. Vienintel\u0117 reali alternatyva b\u016bsto paskolai yra i\u0161perkamoji nuoma. Pasirinkus \u0161i\u0105 paslaug\u0105 nereikia kaupti tokio didelio pradinio \u012fna\u0161o ir pakanka vos keli\u0173 procent\u0173 avanso.<\/p>\n\n\n\n<p>Visgi, i\u0161perkamosios nuomos atveju taikomos kiek kitokios s\u0105lygos. Pavyzd\u017eiui, maksimalus gr\u0105\u017einimo laikotarpis &#8211; 10m. (dauguma bendrovi\u0173 apskritai neteikia tokios paslaugos ilgiau nei 36 ar 60 m\u0117nesi\u0173 terminui), tod\u0117l m\u0117nesio \u012fmokos b\u016bt\u0173 gerokai didesn\u0117s nei imant b\u016bsto paskol\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">UNTU nemokama konsultacija ir geriausio brokerio atranka Jums<\/h2>\n\n\n\n<p>Jeigu norite gauti b\u016bsto paskol\u0105, bet tr\u016bksta l\u0117\u0161\u0173 pradiniam \u012fna\u0161ui, galite apsvarstyti esamo b\u016bsto pardavim\u0105!<\/p>\n\n\n\n<p><a href=\"http:\/\/www.untu.lt\">UNTU<\/a> sukurtas algoritmas pad\u0117s nemokamai ir greitai nustatyti j\u016bs\u0173 NT vert\u0119. Remiantis naujausiais duomenimis i\u0161 Registr\u0173 centro duomen\u0173 baz\u0117s, kone akimirksniu gal\u0117site su\u017einoti reali\u0105 savo b\u016bsto vert\u0119 rinkoje.<\/p>\n\n\n\n<p>Jeigu susidom\u0117site pardavimu, gal\u0117site gauti ne\u0161ali\u0161k\u0105 ir profesionali\u0105 konsultacij\u0105 i\u0161 m\u016bs\u0173 komandos. Papildomai, remdamiesi m\u016bs\u0173 duomen\u0173 baz\u0117je esan\u010diais klient\u0173 atsiliepimais bei sandori\u0173 sudarymo rezultatais, pasi\u016blysime ir labiausiai tinkan\u010di\u0173 brokeri\u0173 paslaugas. Su UNTU ne tik lengvai su\u017einosite b\u016bsto vert\u0119, bet ir rasite kompetentingiausius ir labiausiai patyrusius brokerius, kurie pad\u0117s parduoti NT u\u017e geriausi\u0105 kain\u0105!<\/p>\n\n\n\n<p class=\"has-text-align-center has-background\" style=\"background-color:#e6eef8\">Jeigu svarstote apie b\u016bsto pardavim\u0105 ir norite b\u016bti tikri, kad j\u016bs\u0173 nekilnojamojo turto vert\u0117 bus tinkamai nustatyta, <a href=\"https:\/\/www.untu.lt\/?vb=1&amp;ref=article-teaser\" data-type=\"URL\" data-id=\"https:\/\/www.untu.lt\/?vb=1&amp;ref=article-teaser\">registruokit\u0117s \u012f nemokam\u0105 konsultacij\u0105<\/a> su m\u016bs\u0173 specialistu, kuris pad\u0117s ne tik rinkos kain\u0105 nustatyti, bet ir pasir\u016bpins skland\u017eiu j\u016bs\u0173 b\u016bsto pardavimo procesu. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jeigu svarstote apie naujus namus ar svajoni\u0173 b\u016bst\u0105, ko gero neapsieisite be b\u016bsto paskolos. Sutaupyti vis\u0105 sum\u0105 i\u0161 karto \u2013 sud\u0117tinga bei trunka be galo daug laiko, tod\u0117l daugelis papras\u010diausiai renkasi imti b\u016bsto kredit\u0105. Jeigu atsakingai pasv\u0117r\u0117te savo finansines galimybes ir pasiry\u017eote pirkti arba statyti naujus namus, jums bus aktualu su\u017einoti, ko reikia norint gauti [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":{"0":"post-204","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-nt-patarimai-ir-straipsniai","7":"h-entry","8":"hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reikalavimai b\u016bsto paskolai gauti | i\u0161samus gidas | UNTU<\/title>\n<meta name=\"description\" content=\"Su\u017einokite b\u016bsto paskolai gauti keliamus reikalavimus &amp;#9745. 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