{"id":195,"date":"2024-10-30T12:02:37","date_gmt":"2024-10-30T12:02:37","guid":{"rendered":"https:\/\/ekobustai.lt\/index.php\/2024\/10\/30\/finansu-ministerija-teikia-viesajam-derinimui-iniciatyva-del-fiksuotu-busto-palukanu\/"},"modified":"2024-10-30T12:02:37","modified_gmt":"2024-10-30T12:02:37","slug":"finansu-ministerija-teikia-viesajam-derinimui-iniciatyva-del-fiksuotu-busto-palukanu","status":"publish","type":"post","link":"https:\/\/ekobustai.lt\/index.php\/2024\/10\/30\/finansu-ministerija-teikia-viesajam-derinimui-iniciatyva-del-fiksuotu-busto-palukanu\/","title":{"rendered":"Finans\u0173 ministerija teikia vie\u0161ajam derinimui iniciatyv\u0105 d\u0117l fiksuot\u0173 b\u016bsto pal\u016bkan\u0173"},"content":{"rendered":"


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Finans\u0173 ministerija, kartu su Lietuvos banku parengusi iniciatyv\u0105 d\u0117l b\u016btinyb\u0117s kredito \u012fstaigoms u\u017etikrinti kiekvienam nekilnojamojo turto kredito gav\u0117jui reali\u0105 galimyb\u0119 pasirinkti kredito pal\u016bkan\u0173 normos r\u016b\u0161\u012f, teikia \u012fstatymo projekt\u0105 vie\u0161am derinimui su visuomene.<\/strong><\/p>\n

Praktika rodo, jog Lietuvoje beveik visos b\u016bsto paskolos suteikiamos kintamosiomis pal\u016bkanomis, taip rizik\u0105 d\u0117l pal\u016bkan\u0173 norm\u0173 padid\u0117jimo perkeliant paskol\u0173 gav\u0117jams. Kartu, anot projekto autori\u0173, neu\u017etikrinama reali galimyb\u0117 vartotojui rinktis. Remiantis Lietuvos banko analiz\u0117s duomenimis, 2023 m. vidutini\u0161kai tik 3 proc. nauj\u0173 paskol\u0173 buvo i\u0161duota su fiksuot\u0173 pal\u016bkan\u0173 norma (fiksuota ilgesniam nei 1 m. laikotarpiui), kai euro zonoje \u2013 78 proc.<\/p>\n

Tod\u0117l si\u016bloma \u012fpareigoti kredito dav\u0117j\u0105, prie\u0161 sudarant paskolos sutart\u012f, pasi\u016blyti vartotojui ne ma\u017eiau kaip dvi alternatyvas: galimyb\u0119 rinktis b\u016bsto paskol\u0105 su bent 5 m. fiksuot\u0105ja pagr\u012fsto dyd\u017eio pal\u016bkan\u0173 norma arba su kintam\u0105ja pal\u016bkan\u0173 norma, kaip si\u016bloma dabar.<\/p>\n

\u012estatymo projektu taip pat si\u016bloma nustatyti, kad, jeigu kredito dav\u0117jas negal\u0117s pateikti pasi\u016blymo d\u0117l bent 5 metams fiksuotos pal\u016bkan\u0173 normos, tokiu atveju kredito dav\u0117jas prival\u0117s pasi\u016blyti kredito gav\u0117jui priemon\u0119, skirt\u0105 kintamosios kredito pal\u016bkan\u0173 normos svyravimo rizikai suma\u017einti ir (arba) jai valdyti bent penkeri\u0173 met\u0173 laikotarpiu.<\/p>\n

\u012epareigojimas atsirast\u0173 tik tiems kredito dav\u0117jams, kuri\u0173 b\u016bsto paskol\u0173 portfelis didesnis nei 50 mln. eur\u0173 \u2013 kitaip tariant didiesiems rinkos dalyviams, paj\u0117giems apsidrausti nuo su produktu susijusios finansin\u0117s rizikos rinkoje.<\/p>\n

Taip pat si\u016bloma \u012fpareigoti kredito dav\u0117jus periodi\u0161kai pateikti kredito gav\u0117jui atitinkamas nuorodas, t. y. prane\u0161ime apie kredito pal\u016bkan\u0173 normos pasikeitimus kredito dav\u0117jas prival\u0117s pateikti nuorodas \u012f Lietuvos banko interneto svetain\u0117je vie\u0161ai skelbiamus duomenis apie kredito sutartims taikom\u0105 vidutin\u0119 kredito pal\u016bkan\u0173 norm\u0105, bendr\u0105 kredito kain\u0105 ir bendro pob\u016bd\u017eio informacij\u0105 apie kredito refinansavim\u0105.<\/p>\n

Taip kredito gav\u0117jai bus skatinami dom\u0117tis pagal j\u0173 sudarytas kredito sutartis taikomos mar\u017eos suma\u017einimo arba turimo kredito refinansavimo galimyb\u0117mis.<\/p>\n

Visuomen\u0117 teikti pastabas projektui gal\u0117s de\u0161imt darbo dien\u0173 nuo jo registravimo Teis\u0117s akt\u0173 informacin\u0117je sistemoje. Susipa\u017einti su teis\u0117s akto projektu galima \u010dia.<\/p>\n

Planuojama \u012fstatymo projekt\u0105 pateikti svarstyti Seimui pavasario sesijoje. Numatomas si\u016blomo pakeitimo \u012fsigaliojimo terminas \u2013 2025 m. gegu\u017e\u0117s 1 d.<\/p>\n

\u0160ia publikacija dalinasi Lietuvos region\u0173 naujien\u0173 portalas \u201eMiesto naujienos\u201c. Daugiau sau ir savo miestui aktuali\u0173 naujien\u0173 rasite portale Miesto naujienos.<\/p>\n


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Finans\u0173 ministerija, kartu su Lietuvos banku parengusi iniciatyv\u0105 d\u0117l b\u016btinyb\u0117s kredito \u012fstaigoms u\u017etikrinti kiekvienam nekilnojamojo turto kredito gav\u0117jui reali\u0105 galimyb\u0119 pasirinkti kredito pal\u016bkan\u0173 normos r\u016b\u0161\u012f,..<\/p>\n","protected":false},"author":1,"featured_media":196,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[56,118,442,444,390,443,439,256,440,441],"class_list":["post-195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-salies-naujienos","tag-busto","tag-del","tag-derinimui","tag-fiksuotu","tag-finansu","tag-iniciatyva","tag-ministerija","tag-palukanu","tag-teikia","tag-viesajam"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts\/195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/comments?post=195"}],"version-history":[{"count":0,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts\/195\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/media\/196"}],"wp:attachment":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/media?parent=195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/categories?post=195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/tags?post=195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}