{"id":2539,"date":"2026-02-24T10:05:52","date_gmt":"2026-02-24T10:05:52","guid":{"rendered":"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/24\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\/"},"modified":"2026-02-24T10:05:52","modified_gmt":"2026-02-24T10:05:52","slug":"banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje","status":"publish","type":"post","link":"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/24\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\/","title":{"rendered":"Bank\u0173 apklausa: bankai numato, kad nauj\u0173 paskol\u0173 paklausa ir toliau augs, vis daugiau j\u0173 \u012f\u017evelgia besiformuojan\u010dius disbalansus NT rinkoje"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"item_summary\">\n<p>Bankai 2025 m. antr\u0105j\u012f pusmet\u012f fiksavo did\u0117jan\u010di\u0105 paskol\u0173 \u012fmon\u0117ms ir b\u016bsto paskol\u0173 paklaus\u0105, pager\u0117jo daugumos sektori\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 finansin\u0117s b\u016bkl\u0117s vertinimas. Did\u017eiausi\u0105 rizik\u0105 Lietuvos finans\u0173 sistemai, bank\u0173 vertinimu, tebekelia kibernetin\u0117s atakos, prekybos ir geopolitin\u0117s \u012ftampos, ta\u010diau pastebima vis did\u0117janti galimos gyvenamojo ir komercinio NT kain\u0173 korekcijos rizikos svarba, rodo Lietuvos banko atlikta komercini\u0173 bank\u0173 apklausa.<\/p>\n<\/p><\/div>\n<p>\u201eApklausos rezultatai rodo, kad bankai situacij\u0105 rinkoje ir toliau vertina palankiai, stebi did\u0117jan\u010di\u0105 kreditavimo paklaus\u0105 ir i\u0161 esm\u0117s nekei\u010dia skolinimo standart\u0173 bei s\u0105lyg\u0173. Visgi pastebimas besikei\u010diantis NT sektoriaus vertinimas \u2013 did\u0117ja disbalansus jame \u012f\u017evelgian\u010di\u0173 bank\u0173 dalis, tarp bank\u0173 minim\u0173 rizik\u0173 v\u0117l matome vis da\u017eniau i\u0161skiriam\u0105 netvarios b\u016bsto kain\u0173 raidos ir galimos korekcijos rizik\u0105, nors jos svarba teb\u0117ra vertinama kaip ma\u017eesn\u0117 nei vidutin\u0117\u201c, \u2013 sako Viktorija Mingail\u0117, Lietuvos banko Finansinio stabilumo departamento Makroprudencin\u0117s analiz\u0117s skyriaus vyriausioji ekonomist\u0117.<\/p>\n<p>Bank\u0173 skolinimo \u012fmon\u0117ms standartai, paskol\u0173 s\u0105lygos ir atmest\u0173 \u012fmoni\u0173 paskol\u0173 parai\u0161k\u0173 dalis 2025 m. antr\u0105j\u012f pusmet\u012f i\u0161 esm\u0117s nekito. O paskol\u0173 \u012fmon\u0117ms paklausa ir toliau augo nuosaikiai, daugiausia smulkiojo ir vidutinio verslo \u012fmoni\u0173 paskol\u0173 segmente. Pana\u0161i\u0173 paklausos augimo tendencij\u0173 tikimasi ir 2026 m. pirm\u0105j\u012f ketvirt\u012f.<\/p>\n<p><\/p>\n<p>Per pusmet\u012f \u0161iek tiek ger\u0117jo daugumos sektori\u0173 finansin\u0117s b\u016bkl\u0117s vertinimas \u2013 visi sektoriai \u012fvertinti vidutini\u0161kai arba gerai. Tarp pras\u010diau vertinam\u0173 sektori\u0173 pateko transporto, apdirbamosios gamybos ir vie\u0161bu\u010di\u0173 bei restoran\u0173 \u012fmon\u0117s \u2013 dauguma bank\u0173 j\u0173 finansin\u0119 b\u016bkl\u0119 vertino vidutini\u0161kai, nors atsirado bank\u0173, \u012fvertinusi\u0173 \u0161i\u0173 sektori\u0173 finansin\u0119 pad\u0117t\u012f kaip ger\u0105. Reik\u0161mingai pager\u0117jo statybos sektoriaus vertinimas \u2013 dauguma bank\u0173 jo finansin\u0119 b\u016bkl\u0119 \u012fvertino gerai, nors prie\u0161 pusmet\u012f taip teig\u0117 tik vienas bankas.<\/p>\n<p>Vertindami ateities perspektyvas, bankai ir toliau buvo gana optimisti\u0161ki ir beveik vis\u0173 sektori\u0173 finansin\u0117s b\u016bkl\u0117s raid\u0105 vertino kaip stabili\u0105 arba ger\u0117jan\u010di\u0105, ta\u010diau keli bankai \u012f\u017evelg\u0117 blog\u0117jan\u010dias \u017eem\u0117s \u016bkio \u012fmoni\u0173 ateities perspektyvas.<\/p>\n<p>Dauguma bank\u0173 nurod\u0117 neriboj\u0119 skolinimo ir tik keli bankai vis dar teig\u0117 riboj\u0119 kreditavim\u0105 NT operacij\u0173 ir vie\u0161bu\u010di\u0173 bei restoran\u0173 sektoriuose veikian\u010dioms \u012fmon\u0117ms, o vienas bankas taip teig\u0117 apie statybos sektori\u0173. Kaip pagrindines ribojimo prie\u017eastis bankai nurod\u0117 bendr\u0105 ekonomin\u0119 situacij\u0105, siek\u012f perskirstyti bank\u0173 turimus paskol\u0173 portfelius ir prastesn\u012f pateikt\u0173 projekt\u0173 perspektyvum\u0105.<\/p>\n<p>2025 m. antr\u0105j\u012f pusmet\u012f skolinimo b\u016bstui \u012fsigyti standartai ir s\u0105lygos reik\u0161mingai nekito, tik vienas bankas nurod\u0117 grie\u017etin\u0119s skolinimo standartus d\u0117l suprast\u0117jusio rizikos vertinimo. Taip pat visi apklausoje dalyvav\u0119 bankai numat\u0117, kad b\u016bsto paskol\u0173 standartai reik\u0161mingai nesikeis ir 2026 m. pirm\u0105j\u012f ketvirt\u012f. B\u016bsto paskol\u0173 s\u0105lygos i\u0161 esm\u0117s nekito, nors vienas bankas nurod\u0117 \u0161velnin\u0119s s\u0105lygas d\u0117l ma\u017e\u0117jusi\u0173 paskol\u0173 mar\u017e\u0173, o tai daugiausia l\u0117m\u0117 konkurencinis spaudimas, ta\u010diau vienas bankas nurod\u0117 ir paskol\u0173 mar\u017e\u0173 did\u0117jim\u0105.<\/p>\n<p>Vartojimo ir kit\u0173 paskol\u0173 nam\u0173 \u016bkiams skolinimo standart\u0173 pokytis vertintas nevienareik\u0161mi\u0161kai. Nors dauguma bank\u0173 nurod\u0117, kad skolinimo standartai i\u0161 esm\u0117s nekito, vienas bankas teig\u0117 juos grie\u017etin\u0119s, o vienas \u2013 \u0161velnin\u0119s. 2026 m. pirm\u0105j\u012f ketvirt\u012f numatomas nedidelis \u0161i\u0173 paskol\u0173 standart\u0173 \u0161veln\u0117jimas. Vartojimo ir kit\u0173 paskol\u0173 s\u0105lygos ir toliau nekito.<\/p>\n<p>Bank\u0173 vertinimu, b\u016bsto paskol\u0173 paklausa ir toliau \u0161iek tiek did\u0117jo, daugiausia d\u0117l i\u0161augusio vartotoj\u0173 pasitik\u0117jimo bei ma\u017e\u0117jan\u010dio bendro pal\u016bkan\u0173 norm\u0173 lygio. Kita vertus, vartojimo ir kit\u0173 nam\u0173 \u016bki\u0173 paskol\u0173 paklausa po beveik trejus metus besit\u0119susio nuosaikaus augimo ne\u017eymiai suma\u017e\u0117jo. 2026 m. pirm\u0105j\u012f ketvirt\u012f bankai tikisi nam\u0173 \u016bki\u0173 paskol\u0173 paklausos augimo: keli bankai numat\u0117 b\u016bsto paskol\u0173 paklausos did\u0117jim\u0105, o tre\u010ddalis taip teig\u0117 apie vartojimo ir kitas paskolas.<\/p>\n<p>Dauguma bank\u0173 mano, kad nam\u0173 \u016bki\u0173 finansin\u0117 b\u016bkl\u0117 yra gera, vienas bankas nurod\u0117, kad ji labai gera. Dauguma bank\u0173 nurod\u0117, kad konkurencija d\u0117l skolinimo nam\u0173 \u016bkiams buvo stabili, o vienas bankas teig\u0117, kad ji did\u0117jo. Kaip ir anks\u010diau, tre\u010ddalis bank\u0173 tikisi, kad konkurencija d\u0117l skolinimo nam\u0173 \u016bkiams 2026 m. pirm\u0105j\u012f ketvirt\u012f did\u0117s.<\/p>\n<p>Bank\u0173 l\u016bkes\u010diai d\u0117l NT kain\u0173 reik\u0161mingai nekito \u2013 beveik visi bankai mano, kad gyvenamojo NT kainos did\u0117s, o komercinio NT segmente tikisi stabilumo arba nedidelio kain\u0173 augimo, ta\u010diau vis daugiau bank\u0173 \u012f\u017evelgia besiformuojan\u010dius disbalansus.<\/p>\n<p><img decoding=\"async\" alt=\"Bank\u0173 apklausa: bankai numato, kad nauj\u0173 paskol\u0173 paklausa ir toliau augs, vis daugiau j\u0173 \u012f\u017evelgia besiformuojan\u010dius disbalansus NT rinkoje\" src=\"https:\/\/www.lb.lt\/uploads\/documents\/images\/BAP%20002.png\" style=\"width: 100%;\"\/><\/p>\n<p>Vertindami gyvenamojo NT rink\u0105, visi bankai ir toliau numato, kad naujos statybos b\u016bst\u0173 kainos kils, o \u0161iek tiek daugiau kaip pus\u0117 bank\u0173 tikisi didesnio nei 5 proc. metinio kain\u0173 augimo, i\u0161 j\u0173 vienas bankas \u2013didesnio nei 10 proc. augimo. 90 proc. bank\u0173 mano, kad kainos augs ir senos statybos b\u016bsto segmente: didesn\u0117 dalis bank\u0173 numato iki 5 proc., o tre\u010ddalis \u2013 nuo 5 iki 10 proc. metin\u012f kain\u0173 augim\u0105.<\/p>\n<p>Per pusmet\u012f i\u0161augo bank\u0173, \u012f\u017evelgian\u010di\u0173 disbalans\u0173 gyvenamojo NT rinkoje, dalis \u2013 ji 2025 m. ketvirt\u0105j\u012f ketvirt\u012f sudar\u0117 67 proc. I\u0161 \u0161i\u0173 bank\u0173 dauguma \u012f\u017evelg\u0117 disbalansus d\u0117l per dideli\u0173 kain\u0173, taip pat dalis nurod\u0117 paklausos ir pasi\u016blos disbalansus.<\/p>\n<p>Komercinio NT segmente dauguma bank\u0173 (55 %) tikisi, kad kainos i\u0161liks stabilios, o likusi dalis numato ne\u017eym\u0173 metin\u012f augim\u0105 iki 5 proc. Kita vertus, dvigubai daugiau bank\u0173 (67 %) nei prie\u0161 pusmet\u012f nurod\u0117 \u012f\u017evelgiantys disbalansus komercinio NT rinkoje. Dauguma bank\u0173 nurod\u0117 i\u0161 paklausos kylan\u010dius disbalansus, ta\u010diau nema\u017ea dalis \u012fvardijo pasi\u016blos disbalansus, o vienas bankas \u2013 per dideles kainas.<\/p>\n<p>2025 m. ketvirt\u0105j\u012f ketvirt\u012f, kaip ir prie\u0161 pusmet\u012f, bank\u0173 \u012fvardytos svarbiausios rizikos Lietuvos finans\u0173 sistemai buvo kibernetini\u0173 atak\u0173, geopolitini\u0173 ir prekybos \u012ftamp\u0173 rizikos. Visos \u0161ios rizikos teb\u0117ra vertinamos kaip vidutin\u0117s svarbos, nors prekybos \u012ftamp\u0173 rizikos aktualumas per pusmet\u012f \u0161iek tiek suma\u017e\u0117jo.<\/p>\n<p>Taip pat per pastaruosius metus pastebimas spartesnis netvarios b\u016bst\u0173 kain\u0173 raidos ir galimos korekcijos rizikos svarbos augimas, nors \u0161i rizika vis dar vertinama kaip esanti ma\u017eesn\u0117s nei vidutin\u0117s svarbos. Pana\u0161i tendencija matoma ir komercinio NT segmento vertinime. \u2003<\/p>\n<p>Lietuvoje veikian\u010di\u0173 penki\u0173 komercini\u0173 bank\u0173 ir keturi\u0173 u\u017esienio bank\u0173 filial\u0173 apklausa atlikta 2025 m. gruod\u017eio \u2013 2026 m. sausio m\u0117n.<\/p>\n<p>Naujausia Bank\u0173 apklausos ap\u017evalga skelbiama Lietuvos banko interneto svetain\u0117je.<\/p>\n<\/p><\/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\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bankai 2025 m. antr\u0105j\u012f pusmet\u012f fiksavo did\u0117jan\u010di\u0105 paskol\u0173 \u012fmon\u0117ms ir b\u016bsto paskol\u0173 paklaus\u0105, pager\u0117jo daugumos sektori\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 finansin\u0117s b\u016bkl\u0117s vertinimas. Did\u017eiausi\u0105 rizik\u0105 Lietuvos finans\u0173 sistemai, bank\u0173 vertinimu, tebekelia kibernetin\u0117s atakos, prekybos ir geopolitin\u0117s \u012ftampos, ta\u010diau pastebima vis did\u0117janti galimos gyvenamojo ir komercinio NT kain\u0173 korekcijos rizikos svarba, rodo Lietuvos banko atlikta komercini\u0173 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2540,"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":[3],"tags":[2394,4924,1439,1123,4926,18,4927,4925,4334,156,104,4923,743,1124,2517,1105,723],"class_list":["post-2539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-apklausa","tag-augs","tag-bankai","tag-banku","tag-besiformuojancius","tag-daugiau","tag-disbalansus","tag-izvelgia","tag-ju","tag-kad","tag-nauju","tag-numato","tag-paklausa","tag-paskolu","tag-rinkoje","tag-toliau","tag-vis"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank\u0173 apklausa: bankai numato, kad nauj\u0173 paskol\u0173 paklausa ir toliau augs, vis daugiau j\u0173 \u012f\u017evelgia besiformuojan\u010dius disbalansus NT rinkoje - VienaPaskola.LT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/24\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank\u0173 apklausa: bankai numato, kad nauj\u0173 paskol\u0173 paklausa ir toliau augs, vis daugiau j\u0173 \u012f\u017evelgia besiformuojan\u010dius disbalansus NT rinkoje - VienaPaskola.LT\" \/>\n<meta property=\"og:description\" content=\"Bankai 2025 m. antr\u0105j\u012f pusmet\u012f fiksavo did\u0117jan\u010di\u0105 paskol\u0173 \u012fmon\u0117ms ir b\u016bsto paskol\u0173 paklaus\u0105, pager\u0117jo daugumos sektori\u0173 \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 finansin\u0117s b\u016bkl\u0117s vertinimas. Did\u017eiausi\u0105 rizik\u0105 Lietuvos finans\u0173 sistemai, bank\u0173 vertinimu, tebekelia kibernetin\u0117s atakos, prekybos ir geopolitin\u0117s \u012ftampos, ta\u010diau pastebima vis did\u0117janti galimos gyvenamojo ir komercinio NT kain\u0173 korekcijos rizikos svarba, rodo Lietuvos banko atlikta komercini\u0173 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vienapaskola.lt\/index.php\/2026\/02\/24\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\/\" \/>\n<meta property=\"og:site_name\" content=\"VienaPaskola.LT\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-24T10:05:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lb.lt\/uploads\/documents\/images\/BAP%20001.png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/vienapaskola.lt\\\/index.php\\\/2026\\\/02\\\/24\\\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vienapaskola.lt\\\/index.php\\\/2026\\\/02\\\/24\\\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/vienapaskola.lt\\\/#\\\/schema\\\/person\\\/fd1e0e3a6f51f419b26be8373355ab9b\"},\"headline\":\"Bank\u0173 apklausa: bankai numato, kad nauj\u0173 paskol\u0173 paklausa ir toliau augs, vis daugiau j\u0173 \u012f\u017evelgia besiformuojan\u010dius disbalansus NT rinkoje\",\"datePublished\":\"2026-02-24T10:05:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/vienapaskola.lt\\\/index.php\\\/2026\\\/02\\\/24\\\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\\\/\"},\"wordCount\":1017,\"image\":{\"@id\":\"https:\\\/\\\/vienapaskola.lt\\\/index.php\\\/2026\\\/02\\\/24\\\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/vienapaskola.lt\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau.jpg\",\"keywords\":[\"Apklausa\",\"augs\",\"bankai\",\"bank\u0173\",\"besiformuojan\u010dius\",\"daugiau\",\"disbalansus\",\"\u012f\u017evelgia\",\"j\u0173\",\"kad\",\"nauj\u0173\",\"numato\",\"paklaus\u0105\",\"paskol\u0173\",\"rinkoje\",\"toliau\",\"vis\"],\"articleSection\":[\"FINANSAI\"],\"inLanguage\":\"lt-LT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vienapaskola.lt\\\/index.php\\\/2026\\\/02\\\/24\\\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\\\/\",\"url\":\"https:\\\/\\\/vienapaskola.lt\\\/index.php\\\/2026\\\/02\\\/24\\\/banku-apklausa-bankai-numato-kad-nauju-paskolu-paklausa-ir-toliau-augs-vis-daugiau-ju-izvelgia-besiformuojancius-disbalansus-nt-rinkoje\\\/\",\"name\":\"Bank\u0173 apklausa: bankai numato, kad nauj\u0173 paskol\u0173 paklausa ir toliau augs, vis daugiau j\u0173 \u012f\u017evelgia besiformuojan\u010dius disbalansus NT rinkoje - 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