{"id":9902892,"date":"2026-10-05T14:42:53","date_gmt":"2026-10-05T12:42:53","guid":{"rendered":"https:\/\/revestus.lt\/r\/?p=9902892"},"modified":"2026-10-06T11:07:41","modified_gmt":"2026-10-06T09:07:41","slug":"pirmos-eiles-hipoteka","status":"publish","type":"post","link":"https:\/\/revestus.lt\/r\/blog\/pirmos-eiles-hipoteka\/","title":{"rendered":"Kas yra pirmos eil\u0117s hipoteka ir kod\u0117l ji svarbi investuotojui?"},"content":{"rendered":"\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-1515a2f\" id=\"gspb_image-id-gsbp-1515a2f\"><img decoding=\"async\" src=\"https:\/\/revestus.lt\/r\/wp-content\/uploads\/2026\/10\/Pirmos-eiles-hipoteka-ir-modernus-bustas.webp\" data-src=\"\" alt=\"Pirmos eil\u0117s hipoteka \u2013 NT u\u017etikrintos investicijos\" loading=\"lazy\" width=\"1734\" height=\"907\"\/><\/div>\n\n\n\n<p>Investuojant \u012f nekilnojamuoju turtu u\u017etikrintas paskolas da\u017enai galima pamatyti s\u0105vok\u0105 <strong>\u201epirmos eil\u0117s hipoteka\u201c<\/strong>. Ji gali b\u016bti vienas svarbiausi\u0173 investicijos u\u017etikrinimo element\u0173, ta\u010diau vien hipotekos buvimas dar nepasako, ar investicija yra saugi.<\/p>\n\n\n\n<p>Vertinant projekt\u0105 svarbu suprasti ne tik tai, ar nekilnojamasis turtas \u012fkeistas, bet ir <strong>kokia eile \u012fregistruota hipoteka, kokia \u012fkeisto turto vert\u0117, kokio dyd\u017eio yra paskola ir ar turto vert\u0117s pakakt\u0173 \u012fsipareigojimams padengti nepalankaus scenarijaus atveju<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kas-yra-hipoteka\">Kas yra hipoteka?<\/h2>\n\n\n\n<p>Hipoteka \u2013 tai nekilnojamojo turto \u012fkeitimas, kuriuo u\u017etikrinamas skolininko \u012fsipareigojim\u0173 vykdymas.<\/p>\n\n\n\n<p>Papras\u010diau tariant, paskolos gav\u0117jas gali \u012fkeisti jam priklausant\u012f nekilnojam\u0105j\u012f turt\u0105 kreditoriaus naudai. Jeigu paskolos gav\u0117jas tinkamai vykdo savo \u012fsipareigojimus, hipoteka savaime neturi \u012ftakos jo galimybei naudotis turtu.<\/p>\n\n\n\n<p>Ta\u010diau jeigu \u012fsipareigojimai nevykdomi, hipoteka suteikia kreditoriui teis\u0119 teis\u0117s akt\u0173 nustatyta tvarka <strong>nukreipti i\u0161ie\u0161kojim\u0105 \u012f \u012fkeist\u0105 turt\u0105<\/strong> ir i\u0161 jo vert\u0117s siekti patenkinti u\u017etikrint\u0105 reikalavim\u0105.<\/p>\n\n\n\n<p>Hipoteka pla\u010diai naudojama u\u017etikrinant skolinius \u012fsipareigojimus, taip pat ir finansuojant <a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-sutelktinis-finansavimas\/\" data-type=\"link\" data-id=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-sutelktinis-finansavimas\/\">sutelktinio finansavimo<\/a> sandorius. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ka-reiskia-pirmos-eiles-hipoteka\">K\u0105 rei\u0161kia pirmos eil\u0117s hipoteka?<\/h2>\n\n\n\n<p>Tas pats nekilnojamasis turtas tam tikrais atvejais gali u\u017etikrinti daugiau nei vien\u0105 prievol\u0119. Tod\u0117l svarbu ne tik tai, <strong>ar turtas \u012fkeistas<\/strong>, bet ir kreditori\u0173 reikalavim\u0173 tenkinimo eili\u0161kumas.<\/p>\n\n\n\n<p><strong>Pirmos eil\u0117s hipoteka rei\u0161kia, kad atitinkamas hipoteka u\u017etikrintas kreditoriaus reikalavimas turi pirmum\u0105 prie\u0161 v\u0117lesn\u0117s eil\u0117s hipoteka u\u017etikrintus reikalavimus \u012f t\u0105 pat\u012f turt\u0105.<\/strong><\/p>\n\n\n\n<p>Pavyzd\u017eiui, tarkime, kad nekilnojamojo turto vert\u0117 yra 1 000 000 Eur. Pirmos eil\u0117s hipoteka u\u017etikrinta paskola sudaro 500 000 Eur, o antros eil\u0117s hipoteka \u2013 dar 200 000 Eur.<\/p>\n\n\n\n<p>Jeigu turt\u0105 tekt\u0173 realizuoti u\u017e 600 000 Eur, pirmiausia b\u016bt\u0173 tenkinamas pirmesn\u0117s eil\u0117s hipoteka u\u017etikrintas reikalavimas. Tik po jo gal\u0117t\u0173 b\u016bti tenkinami paskesn\u0117s eil\u0117s reikalavimai, atsi\u017evelgiant \u012f konkre\u010dias aplinkybes ir taikytinas teis\u0117s normas. Supaprastintame pavyzdyje, nevertinant turto realizavimo i\u0161laid\u0173, pal\u016bkan\u0173 ir kit\u0173 galim\u0173 reikalavim\u0173, antros eil\u0117s hipotekos kreditoriaus reikalavimui likt\u0173 100 000 Eur.<\/p>\n\n\n\n<p>Tod\u0117l <strong>hipotekos eil\u0117 investuotojui yra reik\u0161minga rizikos vertinimo dalis<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ar-pirmos-eiles-hipoteka-reiskia-kad-investicija-yra-saugi\">Ar pirmos eil\u0117s hipoteka rei\u0161kia, kad investicija yra saugi?<\/h2>\n\n\n\n<p>Ne. Tai vienas svarbiausi\u0173 dalyk\u0173, kur\u012f tur\u0117t\u0173 suprasti investuotojas.<\/p>\n\n\n\n<p><strong>Pirmos eil\u0117s hipoteka suma\u017eina kredito rizik\u0105, ta\u010diau jos nepanaikina ir negarantuoja investuotos sumos gr\u0105\u017einimo.<\/strong><\/p>\n\n\n\n<p>Net turint pirmos eil\u0117s hipotek\u0105, galimi atvejai, kai realizavus \u012fkeist\u0105 turt\u0105 gautos sumos nepakaks visiems \u012fsipareigojimams padengti.<\/p>\n\n\n\n<p>Tam gali tur\u0117ti \u012ftakos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>suma\u017e\u0117jusi nekilnojamojo turto rinkos vert\u0117;<\/li>\n\n\n\n<li>turto pardavimo ka\u0161tai;<\/li>\n\n\n\n<li>priverstinio realizavimo aplinkyb\u0117s;<\/li>\n\n\n\n<li>ilgas i\u0161ie\u0161kojimo procesas;<\/li>\n\n\n\n<li>turto b\u016bkl\u0117s pasikeitimas;<\/li>\n\n\n\n<li>kitos konkretaus projekto teisin\u0117s ar ekonomin\u0117s aplinkyb\u0117s.<\/li>\n<\/ul>\n\n\n\n<p>Tod\u0117l investicijos nereik\u0117t\u0173 vertinti pagal vien\u0105 kriterij\u0173 \u2013 <strong>\u201eyra hipoteka\u201c<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kodel-kartu-su-hipoteka-svarbus-ltv\">Kod\u0117l kartu su hipoteka svarbus LTV?<\/h2>\n\n\n\n<p>Pirmos eil\u0117s hipotek\u0105 svarbu vertinti kartu su kitu svarbiu rodikliu \u2013 LTV (Loan-to-Value)<\/p>\n\n\n\n<p>LTV parodo paskolos ir \u012fkeisto turto vert\u0117s santyk\u012f.<\/p>\n\n\n\n<p>Tarkime:<\/p>\n\n\n\n<p><strong>Turto vert\u0117 \u2013 1 000 000 Eur<\/strong><br><strong>Paskolos suma \u2013 500 000 Eur<\/strong><\/p>\n\n\n\n<p>LTV b\u016bt\u0173:<\/p>\n\n\n\n<p><strong>500 000 \/ 1 000 000 \u00d7 100 % = 50 %<\/strong><\/p>\n\n\n\n<p>Tai rei\u0161kia, kad paskolos suma sudaro pus\u0119 \u012fkeisto turto vert\u0117s.<\/p>\n\n\n\n<p>Kuo ma\u017eesnis LTV, tuo didesnis turto vert\u0117s rezervas teori\u0161kai lieka galimam vert\u0117s suma\u017e\u0117jimui.<\/p>\n\n\n\n<p>Pavyzd\u017eiui, esant 50 % LTV, turto vert\u0117 teori\u0161kai gal\u0117t\u0173 suma\u017e\u0117ti reik\u0161mingai, kol pasiekt\u0173 paskolos pagrindin\u0117s sumos dyd\u012f. Ta\u010diau ir \u010dia negalima pamir\u0161ti turto realizavimo ka\u0161t\u0173, pal\u016bkan\u0173, i\u0161ie\u0161kojimo trukm\u0117s bei kit\u0173 aplinkybi\u0173.<\/p>\n\n\n\n<p>Pla\u010diau apie \u0161\u012f rodikl\u012f ra\u0161\u0117me straipsnyje <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-ltv\/\" data-type=\"link\" data-id=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-ltv\/\">Kas yra LTV ir kod\u0117l jis svarbus investuotojui?<\/a>\u201c<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pirmos-ir-antros-eiles-hipoteka-kuo-jos-skiriasi\">Pirmos ir antros eil\u0117s hipoteka: kuo jos skiriasi?<\/h2>\n\n\n\n<p>Esminis skirtumas \u2013 <strong>reikalavim\u0173 tenkinimo prioritetas<\/strong>.<\/p>\n\n\n\n<p>Jeigu tas pats turtas u\u017etikrina kelis skirtingo eili\u0161kumo reikalavimus, turto vert\u0117s gali nepakakti visiems kreditoriams.<\/p>\n\n\n\n<p>Tod\u0117l paskesn\u0117s eil\u0117s hipoteka paprastai rei\u0161kia didesn\u0119 rizik\u0105 nei analogi\u0161koje situacijoje esanti pirmos eil\u0117s hipoteka.<\/p>\n\n\n\n<p>Tai ypa\u010d svarbu vertinant investicijas \u012f NT u\u017etikrintas paskolas: neu\u017etenka matyti turto vert\u0119 ir bendr\u0105 paskolos sum\u0105. Reikia suprasti <strong>vis\u0105 turto \u012fkeitimo strukt\u016br\u0105 ir tai, koki\u0105 viet\u0105 joje u\u017eima konkretus finansavimas<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ka-investuotojui-verta-patikrinti-pries-investuojant\">K\u0105 investuotojui verta patikrinti prie\u0161 investuojant?<\/h2>\n\n\n\n<p>Vertinant hipoteka u\u017etikrint\u0105 investicij\u0105 verta atsakyti bent \u012f kelis klausimus:<\/p>\n\n\n\n<p><strong>Kokia hipotekos eil\u0117?<\/strong><br>Pirmos eil\u0117s hipoteka ir paskesn\u0117s eil\u0117s hipoteka kreditoriui suteikia skirting\u0105 pozicij\u0105.<\/p>\n\n\n\n<p><strong>Kokia \u012fkeisto turto vert\u0117?<\/strong><br>Svarbu ne vien paskolos suma, bet ir jos santykis su u\u017estato verte.<\/p>\n\n\n\n<p><strong>Koks LTV?<\/strong><br>Ma\u017eesnis LTV paprastai rei\u0161kia didesn\u012f turto vert\u0117s rezerv\u0105, ta\u010diau pats savaime nepa\u0161alina rizikos.<\/p>\n\n\n\n<p><strong>Kas ir kada nustat\u0117 turto vert\u0119?<\/strong><br>Turto vertinimas turi b\u016bti vertinamas kartu su turto pob\u016bd\u017eiu, vieta, likvidumu ir rinkos situacija.<\/p>\n\n\n\n<p><strong>Koks pats finansuojamas projektas?<\/strong><br>Net ir geras u\u017etikrinimas netur\u0117t\u0173 pakeisti projekto ekonomikos, paskolos gav\u0117jo finansin\u0117s pad\u0117ties bei jo geb\u0117jimo gr\u0105\u017einti paskol\u0105 vertinimo.<\/p>\n\n\n\n<p>Svarbiausia taisykl\u0117 paprasta: <strong>u\u017estatas tur\u0117t\u0173 b\u016bti papildoma investuotojo apsauga, o ne pagrindin\u0117 prie\u017eastis investuoti.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kaip-paskolos-uztikrinamos-revestus-platformoje\">Kaip paskolos u\u017etikrinamos Revestus platformoje?<\/h2>\n\n\n\n<p>Revestus platformoje finansuojamos paskolos yra u\u017etikrinamos <strong>pirmos eil\u0117s nekilnojamojo turto hipoteka<\/strong>.<\/p>\n\n\n\n<p>Ta\u010diau vertindami projektus neapsiribojame vien hipotekos \u012fregistravimu. Analizuojame \u012fkei\u010diamo turto vert\u0119, LTV, projekto ekonomik\u0105, paskolos gav\u0117jo finansin\u0119 situacij\u0105, finansavimo paskirt\u012f ir kitus rizikos veiksnius.<\/p>\n\n\n\n<p>Tai svarbu tod\u0117l, kad gerai strukt\u016bruoto finansavimo esm\u0117 n\u0117ra vien tur\u0117ti u\u017estat\u0105. Svarbu, kad <strong>paskolos dydis, u\u017estato vert\u0117 ir pats finansuojamas projektas sudaryt\u0173 pagr\u012fst\u0105 visum\u0105<\/strong>.<\/p>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-f4d7643\" id=\"gspb_button-id-gsbp-f4d7643\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/revestus.lt\/start-investing?lang=lt\" 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=\"hipoteka-svarbi-bet-tik-viena-investicijos-vertinimo-dalis\">Hipoteka \u2013 svarbi, bet tik viena investicijos vertinimo dalis<\/h2>\n\n\n\n<p>Pirmos eil\u0117s hipoteka suteikia kreditoriui stipresn\u0119 teisin\u0119 pozicij\u0105 \u012fkeisto nekilnojamojo turto at\u017evilgiu nei paskesn\u0117s eil\u0117s hipoteka. Ta\u010diau investuotojui svarbu vertinti ne vien hipotekos fakt\u0105.<\/p>\n\n\n\n<p><strong>Hipotekos eil\u0117 + LTV + turto vert\u0117 ir likvidumas + projekto ekonomika + paskolos gav\u0117jo geb\u0117jimas vykdyti \u012fsipareigojimus<\/strong> leid\u017eia susidaryti daug i\u0161samesn\u012f investicijos rizikos vaizd\u0105.<\/p>\n\n\n\n<p>Tod\u0117l prie\u0161 priimant investavimo sprendim\u0105 verta vertinti vis\u0105 projekto informacij\u0105, o ne vien\u0105 patraukliai atrodant\u012f rodikl\u012f.<\/p>\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\">Kas yra pirmos eil\u0117s hipoteka?<\/div><meta itemprop=\"name\" content=\"Kas yra pirmos eil\u0117s hipoteka?\"\/><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>Pirmos eil\u0117s hipoteka rei\u0161kia, kad hipoteka u\u017etikrintas kreditoriaus reikalavimas turi pirmum\u0105 prie\u0161 v\u0117lesn\u0117s eil\u0117s hipoteka u\u017etikrintus reikalavimus \u012f t\u0105 pat\u012f nekilnojam\u0105j\u012f turt\u0105. Tai ypa\u010d svarbu tuo atveju, jei paskolos gav\u0117jas nevykdo \u012fsipareigojim\u0173 ir i\u0161ie\u0161kojimas nukreipiamas \u012f \u012fkeist\u0105 turt\u0105.<\/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-1\" 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\">Kuo skiriasi pirmos ir antros eil\u0117s hipoteka?<\/div><meta itemprop=\"name\" content=\"Kuo skiriasi pirmos ir antros eil\u0117s hipoteka?\"\/><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-11dded8\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Pagrindinis skirtumas \u2013 reikalavim\u0173 tenkinimo eili\u0161kumas. Pirmos eil\u0117s hipoteka u\u017etikrintas reikalavimas turi pirmum\u0105 prie\u0161 antros ar paskesn\u0117s eil\u0117s hipoteka u\u017etikrintus reikalavimus \u012f t\u0105 pat\u012f turt\u0105. Tod\u0117l paskesn\u0117s eil\u0117s kreditoriui rizika, kad realizavus turt\u0105 gaut\u0173 l\u0117\u0161\u0173 nepakaks jo reikalavimui padengti, gali b\u016bti didesn\u0117.<\/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-2\" 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\">Ar pirmos eil\u0117s hipoteka garantuoja investicijos gr\u0105\u017einim\u0105?<\/div><meta itemprop=\"name\" content=\"Ar pirmos eil\u0117s hipoteka garantuoja investicijos gr\u0105\u017einim\u0105?\"\/><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-e6eae37\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Ne. Pirmos eil\u0117s hipoteka yra svarbi rizikos ma\u017einimo priemon\u0117, ta\u010diau ji negarantuoja nei investuotos sumos, nei pal\u016bkan\u0173 gr\u0105\u017einimo. \u012ekeisto turto vert\u0117 gali suma\u017e\u0117ti, jo realizavimas gali u\u017etrukti, o gaut\u0173 l\u0117\u0161\u0173 gali nepakakti visiems su paskola susijusiems reikalavimams padengti.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-f1585f4 gsclose\" id=\"gspb_accordionitem-gsbp-f1585f4\" 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-f1585f4\"><div class=\"gs-accordion-item__heading\">Kas svarbiau \u2013 pirmos eil\u0117s hipoteka ar LTV?<\/div><meta itemprop=\"name\" content=\"Kas svarbiau \u2013 pirmos eil\u0117s hipoteka ar LTV?\"\/><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-f1585f4\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>\u0160i\u0173 rodikli\u0173 nereik\u0117t\u0173 vertinti atskirai. Hipotekos eil\u0117 parodo kreditoriaus reikalavimo prioritet\u0105 \u012fkeisto turto at\u017evilgiu, o LTV \u2013 paskolos ir \u012fkeisto turto vert\u0117s santyk\u012f. Vertinant investicij\u0105 svarb\u016bs abu rodikliai kartu su turto likvidumu, projekto ekonomika ir paskolos gav\u0117jo finansine pad\u0117timi.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-886b40d gsclose\" id=\"gspb_accordionitem-gsbp-886b40d\" 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-886b40d\"><div class=\"gs-accordion-item__heading\">Kas atsitinka su hipoteka, kai paskola gr\u0105\u017einama?<\/div><meta itemprop=\"name\" content=\"Kas atsitinka su hipoteka, kai paskola gr\u0105\u017einama?\"\/><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-886b40d\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Kai hipoteka u\u017etikrintas \u012fsipareigojimas tinkamai \u012fvykdomas, nebelieka prievol\u0117s, kuri\u0105 hipoteka u\u017etikrina, ir hipoteka teis\u0117s akt\u0173 nustatyta tvarka i\u0161registruojama.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-6912f47 gsclose\" id=\"gspb_accordionitem-gsbp-6912f47\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-5\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-6912f47\"><div class=\"gs-accordion-item__heading\">Ar Revestus paskolos u\u017etikrinamos pirmos eil\u0117s hipoteka?<\/div><meta itemprop=\"name\" content=\"Ar Revestus paskolos u\u017etikrinamos pirmos eil\u0117s hipoteka?\"\/><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-5\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-6912f47\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Taip. Revestus platformoje finansuojamos paskolos u\u017etikrinamos pirmos eil\u0117s nekilnojamojo turto hipoteka. Ta\u010diau investuotojui vis tiek svarbu \u012fvertinti konkretaus projekto informacij\u0105, LTV, \u012fkei\u010diam\u0105 turt\u0105, projekto ekonomik\u0105 ir kitas nurodytas rizikas.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/section>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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 galima pamatyti s\u0105vok\u0105 \u201epirmos eil\u0117s hipoteka\u201c. Ji gali b\u016bti vienas svarbiausi\u0173 investicijos u\u017etikrinimo element\u0173, ta\u010diau vien hipotekos buvimas dar nepasako, ar investicija yra saugi. Vertinant projekt\u0105 svarbu suprasti ne tik tai, ar nekilnojamasis turtas \u012fkeistas, bet ir kokia eile \u012fregistruota hipoteka, kokia \u012fkeisto turto vert\u0117, kokio dyd\u017eio yra [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9902912,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"#gspb_image-id-gsbp-1515a2f img{vertical-align:top;display:inline-block;box-sizing:border-box;max-width:100%;height:auto}#gspb_button-id-gsbp-f4d7643{display:flex;justify-content:flex-start}#gspb_button-id-gsbp-f4d7643 .gspb-buttonbox-text{display:flex;flex-direction:column}#gspb_button-id-gsbp-f4d7643>.gspb-buttonbox,div[id^=gspb_col-id]{box-sizing:border-box}#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 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