{"id":201537,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/ka-daryti-kad-issaugotume-savo-gyvenimo-buda\/"},"modified":"2023-07-06T20:41:24","modified_gmt":"2023-07-06T18:41:24","slug":"ka-daryti-kad-issaugotume-savo-gyvenimo-buda","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/lt\/ka-daryti-kad-issaugotume-savo-gyvenimo-buda\/","title":{"rendered":"K\u0105 daryti, kad i\u0161saugotume savo gyvenimo b\u016bd\u0105?"},"content":{"rendered":"\n

Pal\u016bkan\u0173 normos gali tur\u0117ti didel\u0117s \u012ftakos m\u016bs\u0173 gyvenimui. Pastaruoju metu Europos S\u0105jungoje (ES) padid\u0117jo pal\u016bkan\u0173 normos, o tai padar\u0117 didel\u012f poveik\u012f skol\u0173 prisl\u0117gtiems \u017emon\u0117ms.<\/p>\n\n

Did\u0117jant pal\u016bkan\u0173 normoms, \u012fsiskolin\u0119 asmenys susiduria su padid\u0117jusiomis skolos aptarnavimo i\u0161laidomis. Ta\u010diau i\u0161kyla didel\u0117 problema, nes darbo u\u017emokestis ir atlyginimai auga ne tokiu pa\u010diu tempu. \u0160is skirtumas rei\u0161kia, kad skolos na\u0161ta tampa santykinai sunkesn\u0117, o tai ma\u017eina viduriniosios ekonomin\u0117s klas\u0117s perkam\u0105j\u0105 gali\u0105. Kadangi daugiau pajam\u0173 skiriama skoloms gr\u0105\u017einti, \u017emon\u0117s turi ma\u017eiau pinig\u0173 kasdien\u0117ms i\u0161laidoms ar santaupoms. D\u0117l to prast\u0117ja gyvenimo lygis.<\/p>\n\n\n\n

Kokios yra tiesiogin\u0117s pal\u016bkan\u0173 norm\u0173 padid\u0117jimo pasekm\u0117s?<\/h2>\n\n

Did\u0117jant pal\u016bkan\u0173 normoms, skolininkams tampa daug sunkiau mok\u0117ti m\u0117nesines \u012fmokas, o tai gali lemti \u012fsipareigojim\u0173 nevykdym\u0105, pav\u0117luotus mok\u0117jimus arba \u012fsipareigojim\u0173 nevykdym\u0105. Tokia situacija gali tur\u0117ti rimt\u0173 pasekmi\u0173, \u012fskaitant pablog\u0117jus\u012f kredito reiting\u0105 ir besikaupian\u010dias baudas bei mokes\u010dius. Galiausiai d\u0117l to gali susidaryti u\u017eburtas finansini\u0173 problem\u0173 ratas ir suma\u017e\u0117ti ekonominio mobilumo galimyb\u0117s.<\/p>\n\n

Pajam\u0173 nelygyb\u0117<\/h2>\n\n

Did\u0117jan\u010dios pal\u016bkan\u0173 normos gali padidinti pajam\u0173 nelygyb\u0119 visuomen\u0117je. Didesnes pajamas gaunantys \u017emon\u0117s geriau susidoroja su padid\u0117jusi\u0173 skolos aptarnavimo i\u0161laid\u0173 poveikiu, o ma\u017eesnes pajamas gaunantys \u017emon\u0117s susiduria su didesniais sunkumais. \u0160i nelygyb\u0117 prisideda prie did\u0117jan\u010di\u0173 turto skirtum\u0173 ir gali lemti did\u0117jan\u010dius klasi\u0173 skirtumus. Ypa\u010d vidurinioji klas\u0117 da\u017enai atsiduria tarp did\u0117jan\u010di\u0173 pal\u016bkan\u0173 norm\u0173 ir riboto pajam\u0173 augimo, tod\u0117l jai gresia pavojus patekti \u012f \u017eemesn\u012f socialin\u012f ir ekonomin\u012f sluoksn\u012f.<\/p>\n\n

Suma\u017e\u0117jusi perkamoji galia, finansiniai sunkumai ir pajam\u0173 nelygyb\u0117 gali lemti, kad nema\u017eai asmen\u0173 priart\u0117s prie skurdo ribos arba atsidurs \u017eemiau jos. Kadangi vis daugiau \u017emoni\u0173 stengiasi sudurti gal\u0105 su galu, vis da\u017eniau gresia skurdas. Did\u0117jan\u010dios pal\u016bkan\u0173 normos taip pat gali prisid\u0117ti prie asmen\u0173 ir \u0161eim\u0173 skurdo. Tokia pad\u0117tis gali tur\u0117ti toli siekian\u010di\u0173 visuomenini\u0173 pasekmi\u0173 ir dar labiau apkrauti socialin\u0117s paramos sistemas.<\/p>\n\n

Kokia bloga pad\u0117tis?<\/h2>\n\n

Toliau pateiktose diagramose matome ECB(Europos centrinio banko<\/em>) nustatytas pal\u016bkan\u0173 normas per pastaruosius trejus metus. Keli procentai gali atrodyti ne taip jau baisu. Ta\u010diau, kai visk\u0105 vertinate i\u0161 perspektyvos, poky\u010diai yra stulbinantys.<\/p>\n\n

Kra\u0161tovaizdis<\/td>ECB pal\u016bkan\u0173 normos nuo 2020 m. gegu\u017e\u0117s m\u0117n. iki 2023 m. gegu\u017e\u0117s m\u0117n.<\/td>Minimali norma<\/td>Did\u017eiausia norma<\/td><\/tr>
\"SK<\/td>\"SK<\/td>-0,52%<\/td>3,66%<\/td><\/tr>
\"CZ<\/td>\"CZrates\"<\/td>0,86%<\/td>5,11%<\/td><\/tr>
\"HU<\/td>\"HUrates\"<\/td>1,99%<\/td>10,25%<\/td><\/tr>
\"RO<\/td>\"ROrate\"<\/td>2,65%<\/td>9,26%<\/td><\/tr>
\"BG<\/td>\"BGrates\"<\/td>0,14%<\/td>4,21%<\/td><\/tr>
\"LT<\/td>\"LTrates\"<\/td>0,16%<\/td>2,88%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

Pavyzd\u017eiui, \u010cekija. Ma\u017edaug prie\u0161 trejus metus pal\u016bkan\u0173 norma buvo 0,86 %<\/strong>. Jei kas nors 30 met\u0173 paimt\u0173 100 000 eur\u0173 hipotekos paskol\u0105, jo m\u0117nesin\u0117 \u012fmoka b\u016bt\u0173 apie 315 eur\u0173<\/strong>. Kadangi minimalus darbo u\u017emokestis \u0161ioje \u0161alyje yra ma\u017edaug 678 eurai, beveik bet kuri \u0161eima, kurioje dirba du \u017emon\u0117s, gal\u0117t\u0173 sau leisti pasiimti b\u016bsto paskol\u0105. Ta\u010diau, esant auk\u0161\u010diausiai pal\u016bkan\u0173 normai, ta pati hipoteka kainuot\u0173 ma\u017eiausiai 543<\/strong> EUR. Tai daugiau nei 70 %<\/strong> – ir tai u\u017e t\u0105 pa\u010di\u0105 pasiskolint\u0105 pinig\u0173 sum\u0105! Vengrijoje pad\u0117tis dar blogesn\u0117. Jei ten pasiskolintum\u0117te toki\u0105 pa\u010di\u0105 sum\u0105, j\u016bs\u0173 m\u0117nesio \u012fmoka b\u016bt\u0173 apie 896 EUR<\/strong>.<\/p>\n\n

Kaip \u017emon\u0117s gali spr\u0119sti \u0161i\u0105 problem\u0105?<\/h2>\n\n

Jei nesate milijonierius, 200-600 eur\u0173, kuriuos kas m\u0117nes\u012f prid\u0117site prie savo i\u0161laid\u0173, tikrai tur\u0117s reik\u0161m\u0117s. Kai kurie \u017emon\u0117s gali net nesugeb\u0117ti gr\u0105\u017einti paskolos. Kaip galime tai i\u0161spr\u0119sti?<\/p>\n\n

    \n
  1. I\u0161leiskite ma\u017eiau<\/strong>: Atid\u017eiai per\u017ei\u016br\u0117kite savo biud\u017eet\u0105 ir nustatykite sritis, kuriose galite suma\u017einti i\u0161laidas. Sutelk\u0119 d\u0117mes\u012f \u012f pagrindinius dalykus, gal\u0117site atlaisvinti daugiau l\u0117\u0161\u0173 didesn\u0117ms hipotekos \u012fmokoms padengti. Ie\u0161kokite b\u016bd\u0173, kaip sutaupyti \u017einiasklaidos priemon\u0117ms, maistui, pramogoms ir kitiems neb\u016btiniems dalykams.<\/li>\n\n\n\n
  2. Suma\u017einkite savo i\u0161laidas<\/strong>: jei \u012fsigytas nekilnojamasis turtas yra gana didelis ir geros b\u016bkl\u0117s, galite j\u012f i\u0161nuomoti ir kartu i\u0161sinuomoti pigesn\u0119 gyvenam\u0105j\u0105 viet\u0105. Ta\u010diau tai veikia tik tuo atveju, jei abiej\u0173 nekilnojamojo turto objekt\u0173 nuomos i\u0161laidos labai skiriasi.<\/li>\n\n\n\n
  3. Ie\u0161kokite finansin\u0117s pagalbos program\u0173<\/strong>: spar\u010diai kylant kainoms, kartais vyriausyb\u0117 imasi priemoni\u0173, kad pad\u0117t\u0173 \u017emon\u0117ms, kurie nebegali sumok\u0117ti skol\u0173. \u0160ios programos gali suteikti laikin\u0105 lengvat\u0105 arba pad\u0117ti sumok\u0117ti hipotekos \u012fmokas finansini\u0173 sunkum\u0173 laikotarpiu.<\/li>\n<\/ol>\n\n

    Ar yra geresnis b\u016bdas?<\/h2>\n\n

    Net jei j\u016bs\u0173 m\u0117nesio i\u0161laidos smarkiai i\u0161auga, vis tiek yra b\u016bdas i\u0161laikyti savo gyvenimo b\u016bd\u0105. Jums tiesiog reikia u\u017edirbti daugiau<\/strong>. Kadangi per trump\u0105 laik\u0105 negalite \u012fgyti geresnio i\u0161silavinimo ar daug patirties, geriausias b\u016bdas – ie\u0161koti darbo \u0161alyje, kurioje atlyginimai didesni. Kita vertus, tai lengviau pasakyti, nei padaryti. Ne kiekvienas gali susikrauti lagamin\u0105, susimok\u0117ti u\u017e kelion\u0119 \u012f tolim\u0105 \u0161al\u012f, susimok\u0117ti u\u017e nuom\u0105 ir pragyventi, kol susiras darb\u0105 ir gaus atlyginim\u0105.<\/p>\n\n

    Ta\u010diau net jei negalite sau leisti vis\u0173 m\u016bs\u0173 pamin\u0117t\u0173 dalyk\u0173, Atena <\/a>gali jums pad\u0117ti! Mes surasime jums darb\u0105<\/strong>, sumok\u0117sime jums avans\u0105<\/strong> ir parinksime darbo viet\u0105. <\/em>su saugiu apgyvendinimu<\/strong>! Atena <\/a>taip pat pad\u0117s jums sutvarkyti visus reikiamus dokumentus ir bus j\u016bs\u0173 paslaugoms bet kuriuo metu, kol b\u016bsite u\u017esienyje. Geriausia tai, kad i\u0161vyk\u0119 galite i\u0161nuomoti savo nekilnojam\u0105j\u012f turt\u0105 namuose – ka\u017ekas kitas mok\u0117s j\u016bs\u0173 b\u016bsto paskol\u0105, o j\u016bs u\u017edirbsite du ar tris kartus daugiau nei namuose.<\/p>\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Pal\u016bkan\u0173 normos, kaip ir daugelio kit\u0173 dalyk\u0173 kainos, padid\u0117jo. Dabar j\u016bs\u0173 hipoteka gali b\u016bti dvigubai brangesn\u0117. Nors tai skamba ne\u012fmanomai, ta\u010diau yra b\u016bdas, kaip galite j\u0105 gr\u0105\u017einti ir i\u0161laikyti savo gyvenimo b\u016bd\u0105.<\/p>\n","protected":false},"author":20,"featured_media":201518,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[243],"tags":[],"acf":{"facebookpost":"D\u0117l pastar\u0173j\u0173 \u012fvyki\u0173 daugelio dalyk\u0173 kainos smarkiai i\u0161augo. Pal\u016bkan\u0173 normos taip pat padid\u0117jo ????. Kai kuriose \u0161alyse hipotekos paskola, kuri anks\u010diau kainavo 400 eur\u0173 per m\u0117nes\u012f, dabar kainuoja daugiau nei 900 eur\u0173! Kaip vis d\u0117lto galite sau leisti gr\u0105\u017einti skol\u0105? Ar yra b\u016bdas i\u0161laikyti savo gyvenimo b\u016bd\u0105? Su\u017einokite \u010dia. ","popis_socialneho_obrazku":"Kaip vis dar sugeb\u0117ti mok\u0117ti hipotekos paskol\u0105?"},"yoast_head":"\nK\u0105 daryti, kad i\u0161saugotume savo gyvenimo b\u016bd\u0105? - At\u0117n\u0173 tinklara\u0161tis<\/title>\n<meta name=\"description\" content=\"Pal\u016bkan\u0173 normos visoje ES did\u0117ja. 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