{"id":2514,"date":"2026-02-10T00:09:52","date_gmt":"2026-02-10T00:09:52","guid":{"rendered":"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/"},"modified":"2026-02-10T00:09:52","modified_gmt":"2026-02-10T00:09:52","slug":"kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios","status":"publish","type":"post","link":"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/","title":{"rendered":"Kreditavimas 2025 m. pabaigoje ir toliau buvo aktyvus, pal\u016bkan\u0173 normos \u2013 stabilios"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"item_summary\">\n<p>Ne finans\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 kreditavimas 2025 m. IV ketvirt\u012f i\u0161liko labai spartus \u2013 Lietuva i\u0161siskyr\u0117 tarp euro zonos \u0161ali\u0173. Spartus skolinimasis nedar\u0117 spaudimo pal\u016bkan\u0173 normoms, kurios i\u0161 esm\u0117s nepasikeit\u0117. Anks\u010diau did\u0117jusi paskol\u0173 su fiksuotomis pal\u016bkan\u0173 normomis dalis v\u0117l prad\u0117jo ma\u017e\u0117ti. Nors nauj\u0173 paskol\u0173 pal\u016bkanos i\u0161lieka stabilios, gyventojai ir toliau ma\u017eina skolinimosi ka\u0161tus refinansuodami ir persider\u0117dami jau turimas paskolas. Ind\u0117li\u0173 segmente ir toliau stebima palaipsniui ma\u017e\u0117janti terminuot\u0173j\u0173 ind\u0117li\u0173 dalis.<\/p>\n<\/p><\/div>\n<p>Komentuoja Lietuvos banko Finansinio stabilumo departamento Makroprudencin\u0117s analiz\u0117s\u00a0skyriaus vyresnysis ekonomistas\u00a0<strong>Rokas Kaminskas<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/#Ne_finansu_imoniu_ir_namu_ukiu_kreditavimas_2025_m_ketvirtaji_ketvirti_tebebuvo_itin_spartus\" >Ne finans\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 kreditavimas 2025 m. ketvirt\u0105j\u012f ketvirt\u012f tebebuvo itin spartus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/#Tikruju_nauju_paskolu_palukanu_normu_tendencijos_tebebuvo_gana_stabilios_o_paskolu_su_fiksuotosiomis_palukanu_normomis_dalis_eme_mazeti\" >Tikr\u0173j\u0173 nauj\u0173 paskol\u0173 pal\u016bkan\u0173 norm\u0173 tendencijos tebebuvo gana stabilios, o paskol\u0173 su fiksuotosiomis pal\u016bkan\u0173 normomis dalis \u0117m\u0117 ma\u017e\u0117ti<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/#Bendra_paskolu_refinansavimo_ir_persitarimu_apimtis_jau_siekia_beveik_penktadali_busto_paskolu_portfelio\" >Bendra paskol\u0173 refinansavimo ir persitarim\u0173 apimtis jau siekia beveik penktadal\u012f b\u016bsto paskol\u0173 portfelio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/#Terminuotuju_indeliu_dalis_Lietuvos_indeliu_strukturoje_ir_toliau_mazejo\" >Terminuot\u0173j\u0173 ind\u0117li\u0173 dalis Lietuvos ind\u0117li\u0173 strukt\u016broje ir toliau ma\u017e\u0117jo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/#1_lentele_Pinigu_finansu_istaigu_PFI_paskolu_portfelio_ir_srauto_vertes_pokytis\" >1 lentel\u0117. Pinig\u0173 finans\u0173 \u012fstaig\u0173 (PF\u012e) paskol\u0173 portfelio ir srauto vert\u0117s pokytis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/#2_lentele_Tikruju_nauju_PFI_paskolu_palukanu_normos\" >2 lentel\u0117. Tikr\u0173j\u0173 nauj\u0173 PF\u012e paskol\u0173 pal\u016bkan\u0173 normos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/10\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\/#3_lentele_Namu_ukiu_NU_nauju_terminuotuju_indeliu_PFI_palukanu_normos\" >3 lentel\u0117. Nam\u0173 \u016bki\u0173 (N\u016a) nauj\u0173 terminuot\u0173j\u0173 ind\u0117li\u0173 PF\u012e pal\u016bkan\u0173 normos<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Ne_finansu_imoniu_ir_namu_ukiu_kreditavimas_2025_m_ketvirtaji_ketvirti_tebebuvo_itin_spartus\"><\/span><strong>Ne finans\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 kreditavimas 2025 m. ketvirt\u0105j\u012f ketvirt\u012f tebebuvo itin spartus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>B\u016bsto paskol\u0173 portfelis 2025 m. paaugo daugiau nei per ankstesnius metus (\u017er. 1 pav. ir 1 lentel\u0119) ir siekia auk\u0161\u010diausi\u0105 lyg\u012f nuo 2009 m. kovo m\u0117n. Kreditavimo ne finans\u0173 \u012fmon\u0117ms ir Lietuvos nam\u0173 \u016bki\u0173 vartojimui metinis augimas 2025 m. gruod\u017eio m\u0117n. \u0161iek tiek suma\u017e\u0117jo nuo rugs\u0117jo m\u0117n. pasiekto piko, ta\u010diau vis dar yra istori\u0161kai auk\u0161to lygio (siekia atitinkamai 16,7 ir 18,6 %). Pagal kreditavimo apimt\u012f Lietuva i\u0161siskiria i\u0161 kit\u0173 euro zonos \u0161ali\u0173 \u2013 metinis paskol\u0173 portfelio ne finans\u0173 \u012fmon\u0117ms augimas did\u017eiausias, o b\u016bsto paskol\u0173 \u2013 antras pagal dyd\u012f (\u017er. 2 pav.).<\/p>\n<p>Suaktyv\u0117jus\u012f kreditavim\u0105 rodo ir paskol\u0173 srauto poky\u010diai. 2025 m. ketvirt\u0105j\u012f ketvirt\u012f paskol\u0173 srautai tiek gyventojams, tiek \u012fmon\u0117ms buvo ma\u017edaug pusantro karto didesni nei prie\u0161 metus. Vis d\u0117lto gruod\u017eio m\u0117n. paskol\u0173 srauto metinis augimas \u0161iek tiek sul\u0117t\u0117jo ir \u012fmon\u0117ms sudar\u0117 36, o gyventojams \u2013 49 proc.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tikruju_nauju_paskolu_palukanu_normu_tendencijos_tebebuvo_gana_stabilios_o_paskolu_su_fiksuotosiomis_palukanu_normomis_dalis_eme_mazeti\"><\/span><strong>Tikr\u0173j\u0173 nauj\u0173 paskol\u0173 pal\u016bkan\u0173 norm\u0173 tendencijos tebebuvo gana stabilios, o paskol\u0173 su fiksuotosiomis pal\u016bkan\u0173 normomis dalis \u0117m\u0117 ma\u017e\u0117ti<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Tiek b\u016bsto paskol\u0173, tiek paskol\u0173 ne finans\u0173 \u012fmon\u0117ms pal\u016bkan\u0173 normos reik\u0161mingai nesikeit\u0117 (\u017er. 3 pav. ir 2 lentel\u0119). Nesikei\u010diant Europos Centrinio Banko (ECB) pagrindin\u0117ms pal\u016bkan\u0173 normoms ir tarpbankin\u0117ms EURIBOR pal\u016bkan\u0173 normoms, kreditavimo pal\u016bkan\u0173 normos taip pat reik\u0161mingai nekito, ta\u010diau buvo auk\u0161tesnio lygio nei vidutini\u0161kai euro zonoje (gruod\u017eio m\u0117n. \u0161is skirtumas sudar\u0117 0,34 proc. p. nam\u0173 \u016bkiams ir 1,05 proc. p. ne finans\u0173 \u012fmon\u0117ms, \u017er. 3 pav.). Tai gal\u0117jo lemti didesn\u0117 koncentracija Lietuvos bank\u0173 sektoriuje.<\/p>\n<p>2025 m. gegu\u017e\u0117s m\u0117n. \u012fsigaliojus reikalavimui bankams si\u016blyti b\u016bsto paskolas tiek su kintamosiomis, tiek su ne trumpiau kaip 5 m. fiksuotosiomis pal\u016bkan\u0173 normomis, pastar\u0173j\u0173 dalis bendrame paskol\u0173 sraute buvo i\u0161augusi, ta\u010diau 2025 m. ketvirt\u0105j\u012f ketvirt\u012f v\u0117l suma\u017e\u0117jo (\u017er. 4 pav.). Nuo reguliavimo \u012fsigaliojimo fiksuotosiomis ir kintamosiomis pal\u016bkan\u0173 normomis suteikt\u0173 paskol\u0173 pal\u016bkan\u0173 norm\u0173 lygiai supana\u0161\u0117jo.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bendra_paskolu_refinansavimo_ir_persitarimu_apimtis_jau_siekia_beveik_penktadali_busto_paskolu_portfelio\"><\/span><strong>Bendra paskol\u0173 refinansavimo ir persitarim\u0173 apimtis jau siekia beveik penktadal\u012f b\u016bsto paskol\u0173 portfelio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Refinansavimo ir persitarim\u0173 apimtis reik\u0161mingai padid\u0117jo pri\u0117mus Su nekilnojamuoju turtu susijusio kredito \u012fstatymo pakeitimus nuo 2025 m. vasario m\u0117n. Nors 2025 m. ketvirt\u0105j\u012f ketvirt\u012f apimtis suma\u017e\u0117jo, bendra j\u0173 dalis jau sudaro 18 proc. viso paskol\u0173 portfelio (\u017er. 5 pav.). Per 2025 m. ketvirt\u0105j\u012f ketvirt\u012f gyventojai persitar\u0117 d\u0117l 375 mln. Eur, o refinansavo \u2013 43 mln. Eur vert\u0117s paskol\u0173.<\/p>\n<p>\u012evedus \u0161iuos pakeitimus, vartotojai, persitariantys d\u0117l paskolos s\u0105lyg\u0173, mar\u017e\u0105 susima\u017eina vidutini\u0161kai 0,33, o refinansuodami paskol\u0105 \u2013 0,46 proc. punkto. Tai rei\u0161kia, kad per paskolos laikotarp\u012f vidutini\u0161kai jie sutaupys atitinkamai apie 3,7 ir 6,8 t\u016bkst. Eur, o visi kartu \u2013 atitinkamai 137 mln. ir 19 mln. Eur. \u00a0\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Terminuotuju_indeliu_dalis_Lietuvos_indeliu_strukturoje_ir_toliau_mazejo\"><\/span><strong>Terminuot\u0173j\u0173 ind\u0117li\u0173 dalis Lietuvos ind\u0117li\u0173 strukt\u016broje ir toliau ma\u017e\u0117jo<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nam\u0173 \u016bki\u0173 terminuotieji ind\u0117liai 2025 m. paskutin\u012f ketvirt\u012f sudar\u0117 28 proc. vis\u0173 ind\u0117li\u0173 (\u017er. 6 pav.). \u0160i dalis i\u0161 l\u0117to ma\u017e\u0117jo (sausio m\u0117n. sudar\u0117 32 %) suma\u017einus ECB pagrindines pal\u016bkan\u0173 normas ir bankams atitinkamai si\u016blant ma\u017eesnes ind\u0117li\u0173 pal\u016bkan\u0173 normas.<\/p>\n<p>Nors terminuot\u0173j\u0173 ind\u0117li\u0173 dalis pana\u0161i kaip visoje euro zonoje, ta\u010diau joje nam\u0173 \u016bkiai reik\u0161ming\u0105 l\u0117\u0161\u0173 dal\u012f laiko \u012fsp\u0117jamojo laikotarpio ind\u0117liais (Lietuvoje beveik nelaiko), kuri\u0173 pal\u016bkan\u0173 normos da\u017enai nedaug skiriasi nuo terminuot\u0173j\u0173 ind\u0117li\u0173.<\/p>\n<p>Anks\u010diau ma\u017e\u0117jusios terminuot\u0173j\u0173 ind\u0117li\u0173 pal\u016bkan\u0173 normos, met\u0173 pabaigoje reik\u0161mingai nepakito ir yra artimos 2 proc. lygiui (\u017er. 3 lentel\u0119).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_lentele_Pinigu_finansu_istaigu_PFI_paskolu_portfelio_ir_srauto_vertes_pokytis\"><\/span>1 lentel\u0117. Pinig\u0173 finans\u0173 \u012fstaig\u0173 (PF\u012e) paskol\u0173 portfelio ir srauto vert\u0117s pokytis<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>(procentais)<\/p>\n<table align=\"center\" border=\"1\" cellpadding=\"0\" cellspacing=\"0\" style=\"width:100%;\" width=\"674\">\n<tbody>\n<tr>\n<td rowspan=\"2\" style=\"width:277px;height:19px;\">\u00a0<\/td>\n<td colspan=\"3\" style=\"width:194px;height:19px;\">\n<p align=\"center\"><strong>Metinis portfelio pokytis<\/strong><\/p>\n<\/td>\n<td colspan=\"3\" style=\"width:198px;height:19px;\">\n<p align=\"center\"><strong>Metinis srauto pokytis*<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">gruodis<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">lapkritis<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">spalis<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">gruodis<\/p>\n<\/td>\n<td style=\"width:69px;height:19px;\">\n<p align=\"center\">lapkritis<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">spalis<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:277px;height:34px;\">\n<p><strong>Privatusis ne finans\u0173 sektorius<\/strong><\/p>\n<\/td>\n<td style=\"width:65px;height:34px;\">\n<p align=\"center\"><strong>16,0<\/strong><\/p>\n<\/td>\n<td style=\"width:65px;height:34px;\">\n<p align=\"center\"><strong>16,8<\/strong><\/p>\n<\/td>\n<td style=\"width:64px;height:34px;\">\n<p align=\"center\"><strong>16,5<\/strong><\/p>\n<\/td>\n<td style=\"width:65px;height:34px;\">\n<p align=\"center\"><strong>43,4<\/strong><\/p>\n<\/td>\n<td style=\"width:69px;height:34px;\">\n<p align=\"center\"><strong>61,5<\/strong><\/p>\n<\/td>\n<td style=\"width:64px;height:34px;\">\n<p align=\"center\"><strong>58,4<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:277px;height:19px;\">\n<ul>\n<li>Paskolos ne finans\u0173 \u012fmon\u0117ms<\/li>\n<\/ul>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">16,7<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">18,9<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">18,8<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">36,4<\/p>\n<\/td>\n<td style=\"width:69px;height:19px;\">\n<p align=\"center\">76,2<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">61,7<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:277px;height:19px;\">\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">15,5<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">15,2<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">14,7<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">49,3<\/p>\n<\/td>\n<td style=\"width:69px;height:19px;\">\n<p align=\"center\">51,0<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">55,7<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:277px;height:19px;\">\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">14,4<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">13,9<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">13,4<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">41,4<\/p>\n<\/td>\n<td style=\"width:69px;height:19px;\">\n<p align=\"center\">37,9<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">41,9<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:277px;height:19px;\">\n<ul style=\"list-style-type: circle; margin-left: 40px;\">\n<li>Vartojimo ir kitos paskolos (Lietuvos rezidentams)<\/li>\n<\/ul>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">18,6<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">19,3<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">19,1<\/p>\n<\/td>\n<td style=\"width:65px;height:19px;\">\n<p align=\"center\">33,5<\/p>\n<\/td>\n<td style=\"width:69px;height:19px;\">\n<p align=\"center\">35,5<\/p>\n<\/td>\n<td style=\"width:64px;height:19px;\">\n<p align=\"center\">35,7<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"clear:both;\">\n<p>* 3 m\u0117n. slankusis vidurkis, duomenys euro zonos rezidentams (i\u0161skyrus vartojimo ir kitas paskolas).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_lentele_Tikruju_nauju_PFI_paskolu_palukanu_normos\"><\/span>2 lentel\u0117. Tikr\u0173j\u0173 nauj\u0173 PF\u012e paskol\u0173 pal\u016bkan\u0173 normos<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>(procentais)<\/p>\n<table align=\"center\" border=\"1\" cellpadding=\"0\" cellspacing=\"0\" style=\"width:100%;\">\n<tbody>\n<tr>\n<td style=\"height:19px;\">\n<p>\u00a0<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\"><strong>Gruodis<\/strong><\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\"><strong>Lapkritis<\/strong><\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\"><strong>Spalis<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"height:19px;\">\n<p><strong>Privatusis ne finans\u0173 sektorius<\/strong><\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\"><strong>5,1<\/strong><\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\"><strong>5,5<\/strong><\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\"><strong>4,9<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"height:19px;\">\n<ul>\n<li>Paskolos ne finans\u0173 \u012fmon\u0117ms<\/li>\n<\/ul>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">4,2<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">4,9<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">4,2<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"height:19px;\">\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">5,9<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">5,8<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">5,5<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"height:19px;\">\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">3,7<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">3,7<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">3,6<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"height:19px;\">\n<ul style=\"list-style-type: circle; margin-left: 40px;\">\n<li>Vartojimo ir kitos paskolos<\/li>\n<\/ul>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">9,0<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">8,7<\/p>\n<\/td>\n<td style=\"height:19px;\">\n<p align=\"center\">8,1<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"clear:both;\">\n<h3><span class=\"ez-toc-section\" id=\"3_lentele_Namu_ukiu_NU_nauju_terminuotuju_indeliu_PFI_palukanu_normos\"><\/span>3 lentel\u0117. Nam\u0173 \u016bki\u0173 (N\u016a) nauj\u0173 terminuot\u0173j\u0173 ind\u0117li\u0173 PF\u012e pal\u016bkan\u0173 normos<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>(procentais)<\/p>\n<table align=\"center\" border=\"1\" cellpadding=\"0\" cellspacing=\"0\" style=\"width:100%;\" width=\"679\">\n<tbody>\n<tr>\n<td style=\"width:178px;height:20px;\">\n<p align=\"center\">\u00a0<\/p>\n<\/td>\n<td style=\"width:173px;height:20px;\">\n<p align=\"center\"><strong>Gruodis<\/strong><\/p>\n<\/td>\n<td style=\"width:187px;height:20px;\">\n<p align=\"center\"><strong>Lapkritis<\/strong><\/p>\n<\/td>\n<td style=\"width:139px;height:20px;\">\n<p align=\"center\"><strong>Spalis<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:178px;height:20px;\">\n<p align=\"center\"><strong>N\u016a<\/strong><\/p>\n<\/td>\n<td style=\"width:173px;height:20px;\">\n<p align=\"center\"><strong>1,9<\/strong><\/p>\n<\/td>\n<td style=\"width:187px;height:20px;\">\n<p align=\"center\"><strong>1,9<\/strong><\/p>\n<\/td>\n<td style=\"width:139px;height:20px;\">\n<p align=\"center\"><strong>1,9<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:178px;height:20px;\">\n<p align=\"center\">N\u016a iki 1 m.<\/p>\n<\/td>\n<td style=\"width:173px;height:20px;\">\n<p align=\"center\">1,8<\/p>\n<\/td>\n<td style=\"width:187px;height:20px;\">\n<p align=\"center\">1,9<\/p>\n<\/td>\n<td style=\"width:139px;height:20px;\">\n<p align=\"center\">1,9<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:178px;height:20px;\">\n<p align=\"center\">N\u016a nuo 1 iki 2 m.<\/p>\n<\/td>\n<td style=\"width:173px;height:20px;\">\n<p align=\"center\">2,3<\/p>\n<\/td>\n<td style=\"width:187px;height:20px;\">\n<p align=\"center\">2,4<\/p>\n<\/td>\n<td style=\"width:139px;height:20px;\">\n<p align=\"center\">2,4<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width:178px;height:19px;\">\n<p align=\"center\">N\u016a nuo 2 m.<\/p>\n<\/td>\n<td style=\"width:173px;height:19px;\">\n<p align=\"center\">2,8<\/p>\n<\/td>\n<td style=\"width:187px;height:19px;\">\n<p align=\"center\">2,7<\/p>\n<\/td>\n<td style=\"width:139px;height:19px;\">\n<p align=\"center\">2,8<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<\/div>\n<\/div><\/div>\n<p><script>\n    !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?\n            n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;\n            n.push=n;n.loaded=!0;n.version='2.0';n.queue=[];t=b.createElement(e);t.async=!0;\n            t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,\n        document,'script','https:\/\/connect.facebook.net\/en_US\/fbevents.js');\n    fbq('init', '449445692451263'); \/\/ Insert your pixel ID here.\n    fbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.lb.lt\/lt\/naujienos\/kreditavimas-2025-m-pabaigoje-ir-toliau-buvo-aktyvus-palukanu-normos-stabilios\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ne finans\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 kreditavimas 2025 m. IV ketvirt\u012f i\u0161liko labai spartus \u2013 Lietuva i\u0161siskyr\u0117 tarp euro zonos \u0161ali\u0173. Spartus skolinimasis nedar\u0117 spaudimo pal\u016bkan\u0173 normoms, kurios i\u0161 esm\u0117s nepasikeit\u0117. Anks\u010diau did\u0117jusi paskol\u0173 su fiksuotomis pal\u016bkan\u0173 normomis dalis v\u0117l prad\u0117jo ma\u017e\u0117ti. Nors nauj\u0173 paskol\u0173 pal\u016bkanos i\u0161lieka stabilios, gyventojai ir toliau ma\u017eina skolinimosi ka\u0161tus refinansuodami [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2515,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[3],"tags":[3967,1130,1391,1820,3340,52,4892,1105],"class_list":["post-2514","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-aktyvus","tag-buvo","tag-kreditavimas","tag-normos","tag-pabaigoje","tag-palukanu","tag-stabilios","tag-toliau"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Ne finans\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 kreditavimas 2025 m. 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