{"id":1137,"date":"2024-12-07T14:21:53","date_gmt":"2024-12-07T14:21:53","guid":{"rendered":"https:\/\/infonaujiena.lt\/index.php\/2024\/12\/07\/mazejant-palukanoms-gyventojai-skolinasi-vis-aktyviau\/"},"modified":"2024-12-08T08:18:50","modified_gmt":"2024-12-08T08:18:50","slug":"mazejant-palukanoms-gyventojai-skolinasi-vis-aktyviau","status":"publish","type":"post","link":"https:\/\/infonaujiena.lt\/index.php\/2024\/12\/07\/mazejant-palukanoms-gyventojai-skolinasi-vis-aktyviau\/","title":{"rendered":"Ma\u017e\u0117jant pal\u016bkanoms, gyventojai skolinasi vis aktyviau"},"content":{"rendered":"
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Toliau ma\u017e\u0117jant EURIBOR ir rinkoms tikintis tolesnio jos ma\u017e\u0117jimo 2025 m., toliau traukiasi nam\u0173 \u016bki\u0173 b\u016bsto ir \u012fmoni\u0173 tikr\u0173j\u0173 nauj\u0173 paskol\u0173 pal\u016bkan\u0173 normos. Pingant skolinimuisi, gyventojams vis aktyviau teikiami kreditai<\/a> \u2013 tiek b\u016bsto, tiek vartojimo. \u012emoni\u0173 skolinimasis auga nuosaikiau. Ma\u017e\u0117jant paskol\u0173 mar\u017eoms rinkoje, \u012fmon\u0117s bei gyventojai aktyviau persitaria d\u0117l palankesni\u0173 turim\u0173 paskol\u0173 mar\u017e\u0173<\/a>. Nauj\u0173 terminuot\u0173j\u0173 ind\u0117li\u0173 pal\u016bkan\u0173 normos toliau ma\u017e\u0117ja, susidom\u0117jimas \u0161ia taupymo priemone nebeauga.<\/p>\n<\/div>\n

Komentuoja Finansinio stabilumo departamento Makroprudencin\u0117s analiz\u0117s skyriaus ekonomistas Justinas Skurkis<\/p>\n

Apskritai euro zonoje \u012fmoni\u0173<\/a> kredito portfeliui augant vangiai (0,6 % per metus), Lietuvoje jis ir toliau i\u0161laiko apie 11 proc. augimo temp\u0105 (\u017er. 1 pav.).<\/strong> Nuo met\u0173 vidurio ma\u017e\u0117ja \u012fmon\u0117ms suteikiam\u0173 paskol\u0173 skai\u010dius, fiksuojamos vasario m\u0117n. pasiektos \u017eemumos (\u017er. 3 pav.). Vis d\u0117lto ir toliau pingant skolinimui, tikr\u0173j\u0173 nauj\u0173 PF\u012e paskol\u0173 \u012fmon\u0117ms pal\u016bkan\u0173 normos spalio m\u0117n. suma\u017e\u0117jo net 0,4 proc. punkto ir siekia 5,2 proc. (\u017er. 2 lentel\u0119 ir 2 pav.), o nauj\u0173 paskol\u0173 metinis srauto pokytis spalio m\u0117n. siek\u0117 40 proc., m\u0117nesin\u0117 kreditavimo apimtis1<\/sup> i\u0161liko auk\u0161ta \u2013 sudar\u0117 270 mln. Eur (\u017er. 4 pav.) ir gerokai vir\u0161ijo ilgalaik\u012f vidurk\u012f (210 mln. Eur). \u012emon\u0117s pakankamai aktyviai derasi d\u0117l esam\u0173 sutar\u010di\u0173 s\u0105lyg\u0173 pakeitimo \u2013 nuo met\u0173 prad\u017eios i\u0161augo \u012fmoni\u0173 persitarim\u0173 d\u0117l paskol\u0173 dalis paskol\u0173 \u012fmon\u0117ms portfelyje: nuo 2,8 iki 3,1 proc. (\u017er. 5 pav.).<\/p>\n

\u012esib\u0117g\u0117j\u0119s gyventoj\u0173 kreditavimas nema\u017eina apsuk\u0173.<\/strong> Euro zonos gyventoj\u0173 kredito portfeliui ir toliau patiriant s\u0105sting\u012f (0,5 % metinis augimas), Lietuvoje metinis portfelio augimo tempas toliau spart\u0117ja ir sudaro 8,5 proc. (\u017er. 1 pav.). Reik\u0161mingai suma\u017e\u0117jo gyventoj\u0173 tikr\u0173j\u0173 nauj\u0173 b\u016bsto paskol\u0173 pal\u016bkan\u0173 normos \u2013 jos per m\u0117nes\u012f susitrauk\u0117 0,4 proc. ir spalio m\u0117n. siek\u0117 4,5 proc. (\u017er. 2 lentel\u0119). Pigesnis skolinimasis spartino b\u016bsto kreditavim\u0105: metinis paskol\u0173<\/a> b\u016bstui srauto pokytis antr\u0105 m\u0117nes\u012f i\u0161 eil\u0117s yra arti 50 proc., o suteikiam\u0173 paskol\u0173<\/a> skai\u010dius susilygino su \u012fmoni\u0173. Kreditavimas vartojimo reikm\u0117ms taip pat \u012fgauna pagreit\u012f: suteikiam\u0173 paskol\u0173 skai\u010diai teb\u0117ra auk\u0161ti, o portfelis per metus i\u0161augo beveik ketvirtadaliu (\u017er. 1 lentel\u0119 ir 3 pav.). Nam\u0173 \u016bki\u0173<\/a> persitarimai d\u0117l b\u016bsto paskol\u0173 jau ketvirt\u0105 m\u0117nes\u012f i\u0161 eil\u0117s vir\u0161ija 100 mln. Eur, spalio m\u0117n. srautas buvo rekordi\u0161kai auk\u0161tas \u2013 160 mln. Eur. Reik\u0161mingai i\u0161augusi gyventoj\u0173 persitarim\u0173 d\u0117l b\u016bsto paskol\u0173 dalis portfelyje (per metus padid\u0117jo nuo 0,4 iki 1,2 %, \u017er. 5 pav.) rodo, kad rinkoje ma\u017e\u0117jant pal\u016bkan\u0173 mar\u017eoms, gyventojai aktyviai derasi su kredito \u012fstaigomis d\u0117l palankesni\u0173 paskol\u0173 mar\u017e\u0173.<\/p>\n

Ma\u017e\u0117jant terminuot\u0173j\u0173 ind\u0117li\u0173 pal\u016bkan\u0173 normoms, vis ma\u017eiau domimasi \u0161ia taupymo priemone.<\/strong> Nuo met\u0173 prad\u017eios nauj\u0173 sutarto termino ind\u0117li\u0173 pal\u016bkan\u0173<\/a> normos gyventojams suma\u017e\u0117jo 0,7 proc. punkto, \u012fmon\u0117ms \u0161is suma\u017e\u0117jimas taip pat buvo reik\u0161mingas \u2013 0,6 proc. punkto (\u017er. 6 pav.). Spalio m\u0117n. grynasis srautas \u012f nam\u0173 \u016bki\u0173 sutarto termino ind\u0117li\u0173 s\u0105skaitas<\/a> sudar\u0117 91 mln. Eur (pastar\u0173j\u0173 dvej\u0173 met\u0173 vidurkis \u2013 168 mln. Eur), o \u012fmon\u0117s jau nuo met\u0173 prad\u017eios nustojo perk\u0117lin\u0117ti l\u0117\u0161as \u012f terminuot\u0105sias s\u0105skaitas. Sutarto termino ind\u0117li\u0173 dalis \u012fmoni\u0173<\/a> ir nam\u0173 \u016bki\u0173 ind\u0117li\u0173 portfeliuose beveik nekinta nuo met\u0173 prad\u017eios (nam\u0173 \u016bki\u0173 sudaro 31,6, o \u012fmoni\u0173 \u2013 17,7 %). Apskritai per metus gyventoj\u0173 ind\u0117li\u0173<\/a> padaug\u0117jo 11,6, o \u012fmoni\u0173 0,2 proc. (portfeliai sudar\u0117 atitinkamai 24,2 mlrd. ir 10,6 mlrd. Eur).<\/p>\n

1 lentel\u0117. Pinig\u0173 finans\u0173 \u012fstaig\u0173 (PF\u012e) paskol\u0173 portfelio ir srauto vert\u0117s pokytis<\/strong><\/p>\n

(procentais; srauto duomenims taikomas 3 m\u0117n. slankusis vidurkis<\/p>\n\n\n\n\n\n\n\n\n\n\n
<\/td>\nMetinis portfelio pokytis<\/strong><\/td>\nMetinis srauto pokytis<\/strong><\/td>\n<\/tr>\n
spalis<\/td>\nrugs\u0117jis<\/td>\nrugpj\u016btis<\/td>\nspalis<\/td>\nrugs\u0117jis<\/td>\nrugpj\u016btis<\/td>\n<\/tr>\n
Privatusis ne finans\u0173 sektorius<\/strong><\/td>\n9,6<\/strong><\/td>\n9,1<\/strong><\/td>\n9,0<\/strong><\/td>\n44<\/strong><\/td>\n40,2<\/strong><\/td>\n30,6<\/strong><\/td>\n<\/tr>\n
Paskolos ne finans\u0173 \u012fmon\u0117ms<\/td>\n11,1<\/td>\n10,8<\/td>\n11,3<\/td>\n40,2<\/td>\n35,8<\/td>\n28,9<\/td>\n<\/tr>\n
Paskolos nam\u0173 \u016bkiams<\/td>\n8,5<\/td>\n7,8<\/td>\n7,5<\/td>\n47,2<\/td>\n45<\/td>\n32,7<\/td>\n<\/tr>\n
B\u016bsto paskolos<\/td>\n7,8<\/td>\n7,2<\/td>\n6,8<\/td>\n48,3<\/td>\n48,9<\/td>\n32,9<\/td>\n<\/tr>\n
Vartojimo paskolos (Lietuvos rezidentams)<\/td>\n24,4<\/td>\n22,1<\/td>\n21,6<\/td>\n45,9<\/td>\n29,6<\/td>\n23,9<\/td>\n<\/tr>\n
Kitos paskolos<\/td>\n2,0<\/td>\n2,2<\/td>\n2,6<\/td>\n1,6<\/td>\n2,7<\/td>\n5,3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

2 lentel\u0117. Tikr\u0173j\u0173 nauj\u0173 PF\u012e paskol\u0173 pal\u016bkan\u0173 normos<\/a><\/strong><\/p>\n

(procentais<\/p>\n\n\n\n\n\n\n\n\n\n
<\/td>\nSpalis<\/td>\nRugs\u0117jis<\/td>\nRugpj\u016btis<\/td>\n<\/tr>\n
Privatusis ne finans\u0173 sektorius<\/strong><\/td>\n5,8<\/strong><\/td>\n6,1<\/strong><\/td>\n6,3<\/strong><\/td>\n<\/tr>\n
Paskolos ne finans\u0173 \u012fmon\u0117ms<\/td>\n5,2<\/td>\n5,6<\/td>\n5,9<\/td>\n<\/tr>\n
Paskolos nam\u0173 \u016bkiams<\/td>\n6,3<\/td>\n6,4<\/td>\n6,5<\/td>\n<\/tr>\n
B\u016bsto paskolos<\/td>\n4,5<\/td>\n4,9<\/td>\n5,0<\/td>\n<\/tr>\n
Vartojimo paskolos<\/td>\n9,5<\/td>\n9,3<\/td>\n9,7<\/td>\n<\/tr>\n
Paskolos kitiems tikslams<\/td>\n5,3<\/td>\n8,5<\/td>\n7,7<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

3 lentel\u0117. Nam\u0173 \u016bki\u0173 (N\u016a) ir \u012fmoni\u0173 nauj\u0173 terminuot\u0173j\u0173 ind\u0117li\u0173 PF\u012e pal\u016bkan\u0173 normos<\/strong><\/p>\n

(procentais<\/p>\n\n\n\n\n\n\n\n
<\/td>\nSpalis<\/td>\nRugs\u0117jis<\/td>\nRugpj\u016btis<\/td>\n<\/td>\nSpalis<\/td>\nRugs\u0117jis<\/td>\nRugpj\u016btis<\/td>\n<\/tr>\n
KLAUSIMAS<\/strong><\/td>\n2,9<\/strong><\/td>\n3,0<\/strong><\/td>\n3,1<\/strong><\/td>\n\u012emoni\u0173 <\/strong><\/td>\n2,9<\/strong><\/td>\n3,0<\/strong><\/td>\n3,2<\/strong><\/td>\n<\/tr>\n
N\u016a iki 1 m.<\/td>\n2,9<\/td>\n3,0<\/td>\n3,0<\/td>\n\u012emoni\u0173 iki 1 m.<\/td>\n2,9<\/td>\n3,0<\/td>\n3,2<\/td>\n<\/tr>\n
N\u016a nuo 1 iki 2 m.<\/td>\n3,3<\/td>\n3,4<\/td>\n3,5<\/td>\n\u012emoni\u0173 nuo 1 iki 2 m.<\/td>\n2,8<\/td>\n3,9<\/td>\n3,3<\/td>\n<\/tr>\n
N\u016a nuo 2 m.<\/td>\n3,4<\/td>\n3,4<\/td>\n3,8<\/td>\n\u012emoni\u0173 nuo 2 m.<\/td>\n0,1<\/td>\n1,0<\/td>\n3,1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
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1<\/sup> Taikomas 3 m\u0117n. slankusis vidurkis.<\/p>\n<\/div>\n

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

Toliau ma\u017e\u0117jant EURIBOR ir rinkoms tikintis tolesnio jos ma\u017e\u0117jimo 2025 m., toliau traukiasi nam\u0173 \u016bki\u0173 b\u016bsto ir \u012fmoni\u0173 tikr\u0173j\u0173 nauj\u0173 paskol\u0173 pal\u016bkan\u0173 normos. Pingant skolinimuisi, gyventojams vis aktyviau teikiami kreditai \u2013 tiek b\u016bsto, tiek vartojimo. \u012emoni\u0173 skolinimasis auga nuosaikiau. Ma\u017e\u0117jant paskol\u0173 mar\u017eoms rinkoje, \u012fmon\u0117s bei gyventojai aktyviau persitaria d\u0117l palankesni\u0173 turim\u0173 paskol\u0173 mar\u017e\u0173. Nauj\u0173 terminuot\u0173j\u0173 […]<\/p>\n","protected":false},"author":1,"featured_media":1138,"comment_status":"closed","ping_status":"closed","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":[697],"tags":[2194,2134,798,799,2193,740],"class_list":["post-1137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai-paskolos-kreditai","tag-aktyviau","tag-gyventojai","tag-mazejant","tag-palukanoms","tag-skolinasi","tag-vis"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/posts\/1137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/comments?post=1137"}],"version-history":[{"count":1,"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/posts\/1137\/revisions"}],"predecessor-version":[{"id":1154,"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/posts\/1137\/revisions\/1154"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/media\/1138"}],"wp:attachment":[{"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/media?parent=1137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/categories?post=1137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infonaujiena.lt\/index.php\/wp-json\/wp\/v2\/tags?post=1137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}