{"id":4906,"date":"2017-07-11T14:41:43","date_gmt":"2017-07-11T12:41:43","guid":{"rendered":"https:\/\/www.media4change.co\/?p=4906"},"modified":"2021-01-21T14:57:03","modified_gmt":"2021-01-21T12:57:03","slug":"isiskolines-jaunimas-pagalbos-kreipiasi-per-velai","status":"publish","type":"post","link":"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/","title":{"rendered":"\u012esiskolin\u0119s jaunimas pagalbos kreipiasi per v\u0117lai"},"content":{"rendered":"\n

<\/a><\/p>\n\n\n\n

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123rf.com \/ Pinigai<\/figcaption><\/figure><\/div>\n\n\n\n

Dabar Vaidas, nors, mo\u010diut\u0117s padedamas, ir yra gr\u0105\u017ein\u0119s nema\u017e\u0105 kredito dal\u012f, bendrovei teb\u0117ra skolingas daugiau kaip 200 eur\u0173. Antstoliai grasina teismais, o vaikinas teisinasi ne\u017ein\u0105s, kaip \u012fvykdyti \u012fsipareigojimus \u2013 nei pajam\u0173, nei turto jis neturi. Draugas, su kuriuo sukurp\u0117 \u0161aun\u0173j\u012f u\u017edarbio plan\u0105, ding\u0119s kaip \u012f vanden\u012f.<\/p>\n\n\n\n

Ne vienetinis atvejis<\/strong><\/p>\n\n\n\n

Anot Lietuvos Banko prie\u017ei\u016bros specialist\u0117s A.Tavor\u0117s, toks asmens finansin\u0117s istorijos scenarijus pasitaiko ne taip retai kaip nor\u0117t\u0173si, o vartojimo kredito \u0117mimas neturint plano, kaip sum\u0105 gr\u0105\u017einti, turi skaud\u017ei\u0173 pasekmi\u0173. \u201eKai \u017emogus jau nebegali i\u0161mok\u0117ti tam tikru laiku numatytos \u012fmokos, pradeda skolintis \u012fmokoms padengti. Netrukus ima kaps\u0117ti netesybos, baudos, ir taip ta skola darosi nepakeliama\u201c, \u2013 apie tipi\u0161k\u0105 situacij\u0105 pasakoja pa\u0161nekov\u0117.<\/p>\n\n\n\n

Lietuvos banko atstov\u0117 pataria, kad norint ne\u012fsisukti \u012f u\u017eburt\u0105 skolinimosi rat\u0105, \u012fvertinus, kad neb\u0117ra galimybi\u0173 laiku mok\u0117ti \u012fmok\u0173, reik\u0117t\u0173 kuo anks\u010diau kreiptis \u012f bendrov\u0119 ir pra\u0161yti perd\u0117lioti grafik\u0105, prat\u0119sti termin\u0105, papra\u0161yti artim\u0173j\u0173 pagalbos. \u201eJaunimo did\u017eiausia b\u0117da ta, kad jauni \u012fsiskolin\u0119 asmenys pagalbos kreipiasi truput\u012f per v\u0117lai\u201c, \u2013 pabr\u0117\u017eia ji.<\/p>\n\n\n\n

Nor\u0117jo \u010dia ir dabar<\/strong><\/p>\n\n\n\n

Tarp toki\u0173 niekur nesikreipusi\u0173 yra ir Vaidas. Kai mo\u010diut\u0117 jam nebegal\u0117jo pad\u0117ti gr\u0105\u017einti skolos, jis niekur nesikreip\u0117. Tod\u0117l netrukus sulauk\u0117 lai\u0161k\u0173 ir skambu\u010di\u0173 i\u0161 antstoli\u0173.<\/p>\n\n\n\n

Iki gaudamas kredit\u0105 Vaidas buvo oficialus bedarbis ir dirbo nelegaliai. Paklausta, kod\u0117l greit\u0173j\u0173 kredit\u0173 \u012fmon\u0117s gal\u0117t\u0173 skolinti pajam\u0173 neturin\u010diam asmeniui, Lietuvos banko prie\u017ei\u016bros skyriaus specialist\u0117 sako, kad nors atrodo, kad greit\u0105j\u012f kredit\u0105 ima labai ma\u017eas pajamas gaunantis \u017emogus, i\u0161 ties\u0173 da\u017enai b\u016bna, kad \u201etai asmenys, gaunantys pajamas, prilygstan\u010dias vidutiniam ar net didesniam darbo u\u017emokes\u010diui\u201c.<\/p>\n\n\n\n

A.Tavor\u0117 taip pat atskleid\u0117, kad jaunimas greituosius kreditus ima d\u0117l \u012fvairi\u0173 nepamatuot\u0173 prie\u017eas\u010di\u0173 \u2013 naujiems, madingesniems daiktams, kelion\u0117ms, la\u017eyboms, vakar\u0117liams, o prie sprendimo imti greit\u0105j\u012f kredit\u0105 prisideda reklamos ir vartojimo kult\u016bra, bei jaunimo noras tur\u0117ti visk\u0105 \u201e\u010dia ir dabar\u201d. Anot pa\u0161nekov\u0117s, viena prie\u017eas\u010di\u0173, kod\u0117l jaunimas daug skolinasi ir neretai tai daro neatsakingai, gali b\u016bti ma\u017eas finansinis ra\u0161tingumas ir gyvenimi\u0161kos patirties stoka.<\/p>\n\n\n\n

Galimybes \u012fvertinti realisti\u0161kai<\/strong><\/p>\n\n\n\n

\u0160iandien Vaidas savo sprendim\u0105 imti paskol\u0105 vertina neigiamai: \u201eGailiuosi d\u0117l to. Juk dabar tai \u012fsira\u0161ys \u012f kredito istorij\u0105, v\u0117liau niekas nebeskolins rimtam dalykui, nes bus u\u017efiksuota, kad negr\u0105\u017einu pinig\u0173.\u201d Vaikinas dabar supranta, kad verta imti paskol\u0105 ar kredit\u0105 tik ypa\u010d svarbiems daiktams, tokiems kaip butas ar automobilis.<\/p>\n\n\n\n

Lietuvos banko prie\u017ei\u016bros specialist\u0117 A.Tavor\u0117 sako, kad geriausia yra neimti greitojo kredito tinkamai ne\u012fvertinus esamos finansin\u0117s situacijos ir ypa\u010d jei yra gaunamos labai ma\u017eos pajamos ir b\u016bt\u0173 sunku laiku mok\u0117ti \u012fmokas. Taip pat reik\u0117t\u0173 atsi\u017evelgti \u012f tai, kad \u201ejeigu nepaj\u0117gi sukaupti palyginti nedidel\u0117s sumos tam tikram daiktui \u012fsigyti, tai nesutaupysi ir tada, kai bus terminas gr\u0105\u017einti paskol\u0105\u201d.<\/p>\n\n\n\n

Jaunimo \u012fsiskolinimas \u0117m\u0117 ma\u017e\u0117ti apribojus greit\u0173j\u0173 kredit\u0173 bendroves<\/strong><\/p>\n\n\n\n

Lietuvos Banko duomenimis, Lietuvoje apie keturi \u0161imtai t\u016bkstan\u010di\u0173 gyventoj\u0173 yra pasiskolin\u0119 i\u0161 greit\u0173j\u0173 kredit\u0173 bendrovi\u0173. Penktadalis j\u0173 yra \u017emon\u0117s iki 25 met\u0173 am\u017eiaus. Anot A.Tavor\u0117s, anks\u010diau \u0161i proporcija buvo dar didesn\u0117 ir tik nuo 2016-\u0173j\u0173 vasario, kai buvo pakeistas Vartojimo kredito \u012fstatymas ir kreditai nebebuvo i\u0161duodami asmenims, neturintiems pagr\u012fst\u0173 nuolatini\u0173 pajam\u0173, jaunimo \u012fsiskolinimo tendencija \u0117m\u0117 ma\u017e\u0117ti.<\/p>\n\n\n\n

\"\"<\/a><\/figure><\/div>\n\n\n\n

\u0160is straipsnis yra \u201eMedia4Change\u201c jaun\u0173j\u0173 \u017eurnalist\u0173 programos 2016\/2017 m. dalis, \u012fgyvendinant Nacionalinio socialin\u0117s integracijos instituto projekt\u0105 \u201eMedij\u0173 ra\u0161tingumas ir kritinis m\u0105stymas darbe su jaunimu\u201c.  Finansuojama pagal Europos S\u0105jungos program\u0105 \u201eErasmus+\u201c.  <\/em><\/p>\n\n\n\n

Projekto straipsni\u0173 autoriai su projekto r\u0117m\u0117jais straipsni\u0173 tem\u0173 ir turinio nederina.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Vaidas (vaikino vardas pakeistas) su draugu sugalvojo b\u016bd\u0105, kaip greitai u\u017esidirbti \u2013 imti greit\u0105j\u012f kredit\u0105 \u2013 350 eur\u0173 \u2013 ir sum\u0105 padidinti la\u017eyb\u0173 punktuose. Tiek, kad galima b\u016bt\u0173 atiduoti jau turimas skolas, o i\u0161 likusi\u0173 gr\u0105\u017einti kredit\u0105. La\u017eybos, kaip buvo galima tik\u0117tis, nenusisek\u0117. Li\u016bdes\u012f vaikinai nuplov\u0117 likusius kredito pinigus i\u0161leisdami vakar\u0117liams Palangoje. Tuo metu skola augo kaip ant mieli\u0173.<\/p>\n","protected":false},"author":7,"featured_media":4909,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-4906","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt"],"acf":[],"yoast_head":"\n\u012esiskolin\u0119s jaunimas pagalbos kreipiasi per v\u0117lai - Media4Change<\/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:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u012esiskolin\u0119s jaunimas pagalbos kreipiasi per v\u0117lai - Media4Change\" \/>\n<meta property=\"og:description\" content=\"Vaidas (vaikino vardas pakeistas) su draugu sugalvojo b\u016bd\u0105, kaip greitai u\u017esidirbti \u2013 imti greit\u0105j\u012f kredit\u0105 \u2013 350 eur\u0173 \u2013 ir sum\u0105 padidinti la\u017eyb\u0173 punktuose. 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Tuo metu skola augo kaip ant mieli\u0173.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/\" \/>\n<meta property=\"og:site_name\" content=\"Media4Change\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/media4change.co\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-07-11T12:41:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-21T12:57:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mlunklm8xjeu.i.optimole.com\/w:285\/h:187\/q:mauto\/f:best\/https:\/\/www.media4change.co\/wp-content\/uploads\/2021\/01\/Neda-285x187-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"285\" \/>\n\t<meta property=\"og:image:height\" content=\"187\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Diana Zeringyt\u0117\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Media4ChangeCo\" \/>\n<meta name=\"twitter:site\" content=\"@Media4ChangeCo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Diana Zeringyt\u0117\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/\"},\"author\":{\"name\":\"Diana Zeringyt\u0117\",\"@id\":\"https:\/\/www.media4change.co\/lt\/#\/schema\/person\/ab0a4dacf41ec1cc39c3ecc97bc63223\"},\"headline\":\"\u012esiskolin\u0119s jaunimas pagalbos kreipiasi per v\u0117lai\",\"datePublished\":\"2017-07-11T12:41:43+00:00\",\"dateModified\":\"2021-01-21T12:57:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/\"},\"wordCount\":638,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mlunklm8xjeu.i.optimole.com\/w:auto\/h:auto\/q:mauto\/f:best\/https:\/\/www.media4change.co\/wp-content\/uploads\/2021\/01\/Neda-285x187-1.jpg\",\"articleSection\":[\"Uncategorized @lt\"],\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/\",\"url\":\"https:\/\/www.media4change.co\/lt\/isiskolines-jaunimas-pagalbos-kreipiasi-per-velai\/\",\"name\":\"\u012esiskolin\u0119s jaunimas pagalbos kreipiasi per v\u0117lai - 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Tiek, kad galima b\u016bt\u0173 atiduoti jau turimas skolas, o i\u0161 likusi\u0173 gr\u0105\u017einti kredit\u0105. La\u017eybos, kaip buvo galima tik\u0117tis, nenusisek\u0117. Li\u016bdes\u012f vaikinai nuplov\u0117 likusius kredito pinigus i\u0161leisdami vakar\u0117liams Palangoje. 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