{"id":9902793,"date":"2026-09-21T12:28:15","date_gmt":"2026-09-21T10:28:15","guid":{"rendered":"https:\/\/revestus.lt\/r\/?p=9902793"},"modified":"2026-10-05T14:52:19","modified_gmt":"2026-10-05T12:52:19","slug":"kas-yra-ltv","status":"publish","type":"post","link":"https:\/\/revestus.lt\/r\/blog\/kas-yra-ltv\/","title":{"rendered":"Kas yra LTV? Kaip paskolos ir turto vert\u0117s santykis padeda \u012fvertinti investicijos rizik\u0105"},"content":{"rendered":"\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-f16f237\" id=\"gspb_image-id-gsbp-f16f237\"><img decoding=\"async\" src=\"https:\/\/revestus.lt\/r\/wp-content\/uploads\/2026\/09\/Kas-yra-LTV-ir-kodel-jis-svarbus-investuotojui.webp\" data-src=\"\" alt=\"Kas yra LTV \u2013 paskolos ir turto vert\u0117s santykis\" loading=\"lazy\" width=\"1672\" height=\"941\"\/><\/div>\n\n\n\n<p>Investuojant \u012f nekilnojamuoju turtu u\u017etikrintas paskolas da\u017enai sutinkamas trumpinys <strong>LTV<\/strong>. Taigi, kas yra LTV? Tai vienas pagrindini\u0173 rodikli\u0173, padedan\u010di\u0173 \u012fvertinti, kokiu nekilnojamojo turto vert\u0117s dyd\u017eiu yra padengta suteikiama paskola.<\/p>\n\n\n\n<p>Ta\u010diau ma\u017eesnis LTV savaime nerei\u0161kia, kad investicija yra nerizikinga. Norint tinkamai \u012fvertinti projekt\u0105, svarbu suprasti ne tik pat\u012f skai\u010di\u0173, bet ir tai, <strong>kaip nustatyta turto vert\u0117, kokiu turtu u\u017etikrinama paskola ir kokios kitos rizikos egzistuoja projekte<\/strong>.<\/p>\n\n\n\n<p>Jeigu dar tik susipa\u017e\u012fstate su \u0161iuo investavimo modeliu, pirmiausia galite perskaityti m\u016bs\u0173 gid\u0105 <a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-sutelktinis-finansavimas\/\">\u201eKas yra sutelktinis finansavimas ir kaip jis veikia?\u201c<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kas-yra-ltv\">Kas yra LTV?<\/h2>\n\n\n\n<p>LTV \u2013 angl\u0173 kalbos termino <em>Loan-to-Value<\/em> santrumpa. Lietuvi\u0161kai jis rei\u0161kia <strong>paskolos ir \u012fkei\u010diamo turto vert\u0117s santyk\u012f<\/strong>.<\/p>\n\n\n\n<p>LTV apskai\u010diuojamas pagal formul\u0119:<\/p>\n\n\n\n<p><strong>LTV = paskolos suma \/ turto vert\u0117 \u00d7 100 %<\/strong><\/p>\n\n\n\n<p>Pavyzd\u017eiui, jeigu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>nekilnojamojo turto vert\u0117 \u2013 500 000 Eur;<\/li>\n\n\n\n<li>suteikiamos paskolos suma \u2013 300 000 Eur;<\/li>\n<\/ul>\n\n\n\n<p>LTV b\u016bt\u0173:<\/p>\n\n\n\n<p><strong>300 000 \/ 500 000 \u00d7 100 % = 60 %<\/strong><\/p>\n\n\n\n<p>Tai rei\u0161kia, kad paskolos suma sudaro 60 % \u012fkei\u010diamo turto vert\u0117s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kodel-ltv-svarbus-investuotojui\">Kod\u0117l LTV svarbus investuotojui?<\/h2>\n\n\n\n<p>LTV parodo, kokia turto vert\u0117s dalis finansuojama skolintomis l\u0117\u0161omis ir kiek lieka vadinamosios vert\u0117s \u201epagalv\u0117s\u201c.<\/p>\n\n\n\n<p>Jeigu 500 000 Eur vert\u0117s turtas u\u017etikrina 300 000 Eur paskol\u0105, teori\u0161kai turto vert\u0117 gal\u0117t\u0173 suma\u017e\u0117ti 40 %, kol ji tapt\u0173 lygi paskolos sumai.<\/p>\n\n\n\n<p>B\u016btent d\u0117l to, vertinant kitoms s\u0105lygoms esant vienodoms:<\/p>\n\n\n\n<p><strong>50 % LTV paprastai rei\u0161kia didesn\u012f u\u017etikrinimo rezerv\u0105 nei 70 % LTV.<\/strong><\/p>\n\n\n\n<p>Ta\u010diau vien LTV rodiklio investiciniam sprendimui nepakanka.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-78dfab0\" id=\"gspb_container-id-gsbp-78dfab0\">\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-9c6e254\" id=\"gspb_container-id-gsbp-9c6e254\">\n<p class=\"has-palette-color-1-color has-text-color has-link-color has-poppins-font-family has-medium-font-size wp-elements-99c671894f5a471cfa4815e91d6dec11\" style=\"line-height:1.3\"><strong>Eksperto \u012f\u017evalga<\/strong><\/p>\n\n\n\n<p class=\"has-poppins-font-family\">Praktikoje LTV vertiname ne kaip atskir\u0105 skai\u010di\u0173, o kartu su turto likvidumu, jo vertinimo prielaidomis ir paskolos gr\u0105\u017einimo \u0161altiniu. 60 % LTV likvid\u017eiame, ai\u0161kiai \u012fvertinamame objekte gali reik\u0161ti visai kitoki\u0105 rizik\u0105 nei toks pats LTV sud\u0117tingame ar sunkiau realizuojamame projekte. Tod\u0117l svarbu ne tik tai, kiek paskolinta turto vert\u0117s at\u017evilgiu, bet ir kokia reali tikimyb\u0117 t\u0105 vert\u0119 i\u0161laikyti arba realizuoti nepalankaus scenarijaus atveju.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\" style=\"margin-top:0;margin-right:var(--wp--preset--spacing--40);margin-bottom:0;margin-left:var(--wp--preset--spacing--40)\">\u2014 <em>Revestus finansavimo komanda<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ar-mazas-ltv-reiskia-maza-rizika\">Ar ma\u017eas LTV rei\u0161kia ma\u017e\u0105 rizik\u0105?<\/h2>\n\n\n\n<p>Neb\u016btinai. Pavyzd\u017eiui, 50 % LTV gali atrodyti labai konservatyviai, ta\u010diau svarbu atsakyti \u012f kelis papildomus klausimus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kaip-nustatyta-turto-verte\">Kaip nustatyta turto vert\u0117?<\/h3>\n\n\n\n<p>Svarbu, ar vert\u0117 nustatyta nepriklausomo turto vertintojo, kada vertinimas atliktas ir kokiomis prielaidomis jis pagr\u012fstas.<\/p>\n\n\n\n<p>Vystomo nekilnojamojo turto projekte taip pat b\u016btina atskirti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>esam\u0105 turto vert\u0119;<\/li>\n\n\n\n<li>b\u016bsim\u0105 vert\u0119 u\u017ebaigus projekt\u0105;<\/li>\n\n\n\n<li>planuojamas pardavimo pajamas.<\/li>\n<\/ul>\n\n\n\n<p>Investuotojui svarbiausias yra ne optimistinis projekto scenarijus, o realiai paskolos u\u017etikrinimui naudojamo turto vert\u0117.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ar-hipoteka-yra-pirmos-eiles\">Ar hipoteka yra pirmos eil\u0117s?<\/h3>\n\n\n\n<p>Net ir ma\u017eas LTV turi ma\u017eiau reik\u0161m\u0117s, jeigu prie\u0161 investuotojus jau yra kitas kreditorius, turintis pirmumo teis\u0119 \u012f \u012fkeist\u0105 turt\u0105.<\/p>\n\n\n\n<p>Tod\u0117l vertinant nekilnojamuoju turtu u\u017etikrint\u0105 paskol\u0105 svarbu \u017einoti ne tik LTV, bet ir <strong>hipotekos eil\u0119<\/strong>.<\/p>\n\n\n\n<p>Pirmos eil\u0117s hipoteka rei\u0161kia, kad realizuojant \u012fkeist\u0105 turt\u0105 atitinkamo u\u017etikrinto kreditoriaus reikalavimai paprastai tenkinami pirmiau u\u017e v\u0117lesn\u0117s eil\u0117s hipotekos kreditorius. Pla\u010diau apie tai \u2013 <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/pirmos-eiles-hipoteka\/\" data-type=\"link\" data-id=\"https:\/\/revestus.lt\/r\/blog\/pirmos-eiles-hipoteka\/\">Kas yra pirmos eil\u0117s hipoteka ir kod\u0117l ji svarbi investuotojui<\/a>?\u201c<\/strong><\/p>\n\n\n\n<p>Pla\u010diau apie u\u017etikrinimo priemoni\u0173 ir LTV reik\u0161m\u0119 taip pat ra\u0161\u0117me gide <a href=\"https:\/\/revestus.lt\/r\/blog\/sutelktinio-finansavimo-platformos-lietuvoje\/\">\u201eSutelktinio finansavimo platformos Lietuvoje: kaip pasirinkti tinkam\u0105?\u201c<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ltv-gali-keistis-projekto-metu\">LTV gali keistis projekto metu<\/h2>\n\n\n\n<p>Nekilnojamojo turto vystymo projektuose LTV n\u0117ra nekintantis dydis.<\/p>\n\n\n\n<p>Pavyzd\u017eiui, projekto prad\u017eioje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sklypo vert\u0117 \u2013 1 mln. Eur;<\/li>\n\n\n\n<li>paskola \u2013 500 000 Eur;<\/li>\n\n\n\n<li>LTV \u2013 50 %.<\/li>\n<\/ul>\n\n\n\n<p>V\u0117liau, atliekant statybos darbus, projekto vert\u0117 gali did\u0117ti. Ta\u010diau jeigu kartu did\u0117ja ir paskolos suma, LTV taip pat turi b\u016bti perskai\u010diuojamas.<\/p>\n\n\n\n<p>Tod\u0117l etapinio finansavimo atveju LTV gali b\u016bti svarbi rizikos kontrol\u0117s priemon\u0117.<\/p>\n\n\n\n<p>Prie\u0161 kiekvien\u0105 kit\u0105 finansavimo etap\u0105 galima vertinti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kiek darb\u0173 jau atlikta;<\/li>\n\n\n\n<li>kokia aktuali turto vert\u0117;<\/li>\n\n\n\n<li>kiek jau i\u0161mok\u0117ta paskolos;<\/li>\n\n\n\n<li>ar LTV nevir\u0161ija nustatytos ribos.<\/li>\n<\/ul>\n\n\n\n<p>Tokiu b\u016bdu finansavimas gali b\u016bti derinamas su faktine projekto pa\u017eanga.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"koks-ltv-laikomas-geru\">Koks LTV laikomas geru?<\/h2>\n\n\n\n<p>Vienos universalios ribos n\u0117ra. Priimtinas LTV priklauso nuo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>nekilnojamojo turto r\u016b\u0161ies;<\/li>\n\n\n\n<li>objekto vietos;<\/li>\n\n\n\n<li>turto likvidumo;<\/li>\n\n\n\n<li>projekto stadijos;<\/li>\n\n\n\n<li>paskolos termino;<\/li>\n\n\n\n<li>skolininko finansin\u0117s pad\u0117ties;<\/li>\n\n\n\n<li>kit\u0173 paskolos u\u017etikrinimo priemoni\u0173.<\/li>\n<\/ul>\n\n\n\n<p>Pavyzd\u017eiui, likvidaus b\u016bsto didmiestyje rizika gali skirtis nuo neu\u017ebaigto komercinio objekto ma\u017eesniame mieste, net jeigu abiej\u0173 projekt\u0173 LTV yra vienodas.<\/p>\n\n\n\n<p>Tod\u0117l verta vertinti ne klausim\u0105 <strong>\u201ear LTV ma\u017eas?\u201c<\/strong>, o:<\/p>\n\n\n\n<p><strong>\u201eAr toks LTV yra pakankamas b\u016btent \u0161iam turtui ir \u0161iam projektui?\u201c<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kaip-ltv-taikomas-revestus-projektuose\">Kaip LTV taikomas Revestus projektuose?<\/h2>\n\n\n\n<p>Revestus finansuojamuose projektuose LTV yra viena i\u0161 pagrindini\u0173 finansavimo rizikos kontrol\u0117s priemoni\u0173.<\/p>\n\n\n\n<p>Lietuvoje finansuojamiems projektams paprastai taikomas <strong>iki 60 % maksimalus LTV<\/strong>, o finansavimas u\u017etikrinamas nekilnojamojo turto hipoteka.<\/p>\n\n\n\n<p>Vystymo projektuose finansavimas taip pat gali b\u016bti i\u0161mokamas etapais, atsi\u017evelgiant \u012f real\u0173 projekto progres\u0105 ir aktuali\u0105 turto vert\u0119.<\/p>\n\n\n\n<p>Tai leid\u017eia vertinti ne tik pradin\u0119 situacij\u0105, bet ir kontroliuoti paskolos bei turto vert\u0117s santyk\u012f projekto eigoje.<\/p>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-56e2634\" id=\"gspb_button-id-gsbp-56e2634\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/revestus.lt\/start-investing?lang=lt\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\">Per\u017ei\u016br\u0117ti projektus<\/span><\/span><\/span><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ka-dar-verta-patikrinti-be-ltv\">K\u0105 dar verta patikrinti be LTV?<\/h2>\n\n\n\n<p>Prie\u0161 investuojant \u012f nekilnojamuoju turtu u\u017etikrint\u0105 paskol\u0105 verta \u012fvertinti bent \u0161iuos aspektus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kokiu konkre\u010diu turtu u\u017etikrinama paskola;<\/li>\n\n\n\n<li>kas ir kada nustat\u0117 turto vert\u0119;<\/li>\n\n\n\n<li>kokia hipotekos eil\u0117;<\/li>\n\n\n\n<li>ar yra kit\u0173 kreditori\u0173;<\/li>\n\n\n\n<li>kiek nuosavo kapitalo \u012f projekt\u0105 investavo pats vystytojas;<\/li>\n\n\n\n<li>kokia projekto statybos stadija;<\/li>\n\n\n\n<li>i\u0161 koki\u0173 l\u0117\u0161\u0173 planuojama gr\u0105\u017einti paskol\u0105;<\/li>\n\n\n\n<li>kiek likvidus b\u016bt\u0173 \u012fkeistas turtas, jeigu j\u012f reik\u0117t\u0173 realizuoti;<\/li>\n\n\n\n<li>kokia skolininko ir vystytojo ankstesn\u0117 patirtis.<\/li>\n<\/ul>\n\n\n\n<p>LTV yra labai svarbus rodiklis, ta\u010diau jis yra tik viena bendro rizikos vertinimo dalis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ltv-paprastas-skaicius-bet-svarbi-rizikos-kontroles-priemone\">LTV \u2013 paprastas skai\u010dius, bet svarbi rizikos kontrol\u0117s priemon\u0117<\/h2>\n\n\n\n<p>LTV leid\u017eia greitai suprasti, kokia paskolos dalis yra padengta \u012fkei\u010diamo nekilnojamojo turto verte.<\/p>\n\n\n\n<p>Kuo ma\u017eesnis paskolos ir turto vert\u0117s santykis, tuo didesnis vert\u0117s rezervas lieka galimam turto kainos suma\u017e\u0117jimui.<\/p>\n\n\n\n<p>Ta\u010diau investuotojui svarbu LTV vertinti kartu su turto likvidumu, vertinimo kokybe, hipotekos eile, projekto eiga ir paskolos gr\u0105\u017einimo \u0161altiniu.<\/p>\n\n\n\n<p>Tod\u0117l vertinant nekilnojamuoju turtu u\u017etikrint\u0105 investicij\u0105 verta klausti ne tik <strong>\u201ekoks yra LTV?\u201c<\/strong>, bet ir <strong>\u201ekas slypi u\u017e \u0161io skai\u010diaus?\u201c<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<section class=\"wp-block-greenshift-blocks-row alignfull gspb_row gspb_row-id-gsbp-a970617\" id=\"gspb_row-id-gsbp-a970617\"><div class=\"gspb_row__content\"> \n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--12 gspb_col-id-gsbp-0eb3189\" id=\"gspb_col-id-gsbp-0eb3189\">\n<h2 id=\"gspb_heading-id-gsbp-528cbac\" class=\"gspb_heading gspb_heading-id-gsbp-528cbac \">D. U. K.<\/h2>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordion gs-accordion gspb_accordion-id-gsbp-0fda6cb\" id=\"gspb_accordion-id-gsbp-0fda6cb\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e941259 gsclose\" id=\"gspb_accordionitem-gsbp-e941259\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-0\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-e941259\"><div class=\"gs-accordion-item__heading\"><strong>Kas yra LTV?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Kas yra LTV?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-0\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e941259\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>LTV \u2013 tai paskolos sumos ir paskolos u\u017etikrinimui naudojamo turto vert\u0117s santykis, i\u0161rei\u0161kiamas procentais.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-6d1f1ec gsclose\" id=\"gspb_accordionitem-gsbp-6d1f1ec\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-1\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-6d1f1ec\"><div class=\"gs-accordion-item__heading\"><strong>Kaip apskai\u010diuojamas LTV?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Kaip apskai\u010diuojamas LTV?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-1\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-6d1f1ec\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Paskolos suma dalijama i\u0161 turto vert\u0117s ir rezultatas dauginamas i\u0161 100.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-6da526b gsclose\" id=\"gspb_accordionitem-gsbp-6da526b\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-2\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-6da526b\"><div class=\"gs-accordion-item__heading\"><strong>Ar ma\u017eesnis LTV yra geriau?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar ma\u017eesnis LTV yra geriau?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-2\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-6da526b\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Kitoms s\u0105lygoms esant vienodoms, ma\u017eesnis LTV rei\u0161kia didesn\u012f turto vert\u0117s rezerv\u0105. Ta\u010diau investicijos rizikai \u012fvertinti b\u016btina analizuoti ir kitus veiksnius.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-11dded8 gsclose\" id=\"gspb_accordionitem-gsbp-11dded8\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-3\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-11dded8\"><div class=\"gs-accordion-item__heading\"><strong>Ar LTV gali pasikeisti?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar LTV gali pasikeisti?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-3\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-11dded8\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Taip. Jis gali keistis did\u0117jant paskolos sumai arba pasikeitus \u012fkeisto turto vertei.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e6eae37 gsclose\" id=\"gspb_accordionitem-gsbp-e6eae37\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-4\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-e6eae37\"><div class=\"gs-accordion-item__heading\"><strong>Ar 60 % LTV rei\u0161kia, kad investicija yra saugi?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar 60 % LTV rei\u0161kia, kad investicija yra saugi?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-4\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e6eae37\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Ne. LTV yra viena i\u0161 rizikos vertinimo priemoni\u0173, ta\u010diau jis savaime negarantuoja paskolos gr\u0105\u017einimo ar investicijos saugumo.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"investavimo-rizikos-ispejimas\">Investavimo rizikos \u012fsp\u0117jimas<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Investavimas yra susij\u0119s su rizika.<\/strong> Investuodami galite prarasti dal\u012f arba vis\u0105 investuot\u0105 kapital\u0105. Nekilnojamojo turto hipoteka, \u012fskaitant pirmos eil\u0117s hipotek\u0105, ir nurodytas LTV rodiklis negarantuoja investicijos ar pal\u016bkan\u0173 gr\u0105\u017einimo. Prie\u0161 priimdami investavimo sprendim\u0105 susipa\u017einkite su visa konkretaus projekto informacija ir \u012fvertinkite su investicija susijusias rizikas. \u0160iame straipsnyje pateikiama informacija yra bendro informacinio pob\u016bd\u017eio ir n\u0117ra investavimo rekomendacija.<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n                <div class=\"ml-embedded\" data-form=\"ESJW2J\"><\/div>\n            \n","protected":false},"excerpt":{"rendered":"<p>Investuojant \u012f nekilnojamuoju turtu u\u017etikrintas paskolas da\u017enai sutinkamas trumpinys LTV. Taigi, kas yra LTV? Tai vienas pagrindini\u0173 rodikli\u0173, padedan\u010di\u0173 \u012fvertinti, kokiu nekilnojamojo turto vert\u0117s dyd\u017eiu yra padengta suteikiama paskola. Ta\u010diau ma\u017eesnis LTV savaime nerei\u0161kia, kad investicija yra nerizikinga. Norint tinkamai \u012fvertinti projekt\u0105, svarbu suprasti ne tik pat\u012f skai\u010di\u0173, bet ir tai, kaip nustatyta turto vert\u0117, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9902796,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"#gspb_image-id-gsbp-f16f237 img{vertical-align:top;display:inline-block;box-sizing:border-box;max-width:100%;height:auto}.gspb_container-id-gsbp-78dfab0,.gspb_container-id-gsbp-9c6e254{flex-direction:column;box-sizing:border-box}#gspb_container-id-gsbp-78dfab0.gspb_container>p:last-of-type,#gspb_container-id-gsbp-9c6e254.gspb_container>p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-78dfab0.gspb_container,div[id^=gspb_col-id]{position:relative;box-sizing:border-box}#gspb_container-id-gsbp-9c6e254.gspb_container{position:relative;box-shadow:0 2px 10px 0 rgba(0,0,0,.06);margin-top:24px;margin-bottom:32px;padding:20px 24px;border-left-style:solid;border-left-width:1px;border-left-color:#e5e7eb;background-color:#fafbfc;box-sizing:border-box}#gspb_container-id-gsbp-9c6e254.gspb_container,#gspb_container-id-gsbp-9c6e254.gspb_container>.gspb_backgroundOverlay{border-top-left-radius:9px;border-top-right-radius:9px;border-bottom-right-radius:9px;border-bottom-left-radius:9px}#gspb_button-id-gsbp-56e2634{display:flex;justify-content:flex-start}#gspb_button-id-gsbp-56e2634 .gspb-buttonbox-text{display:flex;flex-direction:column}#gspb_button-id-gsbp-56e2634>.gspb-buttonbox{box-sizing:border-box;margin-top:0;margin-bottom:0}#gspb_row-id-gsbp-a970617{justify-content:space-between;margin-top:0;margin-bottom:0;display:flex;flex-wrap:wrap}#gspb_row-id-gsbp-a970617>.gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap}.gspb_row{position:relative}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding, 15px min(3vw, 20px))}body.gspb-bodyfront #gspb_row-id-gsbp-a970617>.gspb_row__content{width:var(--theme-container-width, 1200px);max-width:var(--theme-normal-container-max-width, 1200px)}@media (max-width:689.98px){#gspb_row-id-gsbp-a970617{padding:10px}}#gspb_col-id-gsbp-0eb3189.gspb_row__col--12{width:100%}@media (max-width:689.98px){#gspb_col-id-gsbp-0eb3189.gspb_row__col--12{width:100%}}.gspb_row #gspb_col-id-gsbp-0eb3189.gspb_row__col--12{margin:0;padding:0}#gspb_heading-id-gsbp-528cbac{margin-bottom:0}@media (max-width:689.98px){#gspb_heading-id-gsbp-528cbac{padding-bottom:10px}}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item.gsclose>.gs-accordion-item__content{overflow:hidden;opacity:0}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item.gsopen>.gs-accordion-item__content{opacity:1;max-height:5000px}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title>.gs-accordion-item__heading{outline:0;text-decoration:none;margin:0!important;padding:0!important;flex-grow:1}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{z-index:1;margin:0;cursor:pointer;transition:all .3s ease-in-out;position:relative;display:flex;justify-content:space-between;align-items:center;flex-wrap:nowrap}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__content{z-index:0;position:relative;max-height:0;will-change:max-height;transition:all .25s ease-out}@media (max-width:999.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{background-color:#f9f9f9}}@media (max-width:689.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{background-color:#f9f9f9}}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{border-style:solid;border-width:1px;border-color:var(--wp--preset--color--border, #00000012);font-size:18px;font-weight:700!important}@media (max-width:999.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{font-weight:700!important}}@media (max-width:689.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{font-weight:700!important}}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{color:var(--wp--preset--color--palette-color-1, var(--theme-palette-color-1, #036))}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item__title>*{font-size:18px;font-weight:700!important}@media (max-width:999.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item__title>*{font-weight:700!important}}@media (max-width:689.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item__title>*{font-weight:700!important}}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item__title>*{color:var(--wp--preset--color--palette-color-1, var(--theme-palette-color-1, #036))}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__content{background-color:#fff}@media (max-width:999.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__content{background-color:#fff}}@media (max-width:689.98px){#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__content{background-color:#fff}}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__content{border-color:var(--wp--preset--color--border, #00000012);border-style:solid;border-width:1px;border-top-color:#00000000;color:#036}#gspb_accordion-id-gsbp-0fda6cb span.iconfortoggle .gs-iconafter,#gspb_accordion-id-gsbp-0fda6cb span.iconfortoggle .gs-iconbefore{background-color:var(--wp--preset--color--palette-color-1, var(--theme-palette-color-1, #036))}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title span.iconfortoggle{margin-left:15px}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item{margin-bottom:10px}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__content>.gs-accordion-item__text,#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item>.gs-accordion-item__title{padding:15px 20px}#gspb_accordion-id-gsbp-0fda6cb span.iconfortoggle svg{height:16px!important;width:16px!important;min-width:16px!important;margin:0!important}#gspb_accordion-id-gsbp-0fda6cb span.iconfortoggle svg,#gspb_accordion-id-gsbp-0fda6cb span.iconfortoggle svg path{fill:var(--wp--preset--color--palette-color-1, var(--theme-palette-color-1, #036))!important;stroke:#d5d5d5!important}#gspb_accordion-id-gsbp-0fda6cb span.iconfortoggle svg:hover,#gspb_accordion-id-gsbp-0fda6cb span.iconfortoggle svg:hover path{fill:currentColor!important}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item__title span.iconfortoggle{transition:transform .3s ease-in-out;display:inline-flex}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item__title span.iconfortoggle>*{vertical-align:top!important}#gspb_accordion-id-gsbp-0fda6cb .gs-accordion-item.gsopen span.iconfortoggle{transform:rotate(180deg)}","footnotes":""},"categories":[4],"tags":[],"class_list":["post-9902793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investavimas"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"_links":{"self":[{"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/posts\/9902793","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/comments?post=9902793"}],"version-history":[{"count":14,"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/posts\/9902793\/revisions"}],"predecessor-version":[{"id":9902907,"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/posts\/9902793\/revisions\/9902907"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/media\/9902796"}],"wp:attachment":[{"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/media?parent=9902793"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/categories?post=9902793"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/revestus.lt\/r\/wp-json\/wp\/v2\/tags?post=9902793"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}