{"id":9910001,"date":"2026-10-28T18:37:12","date_gmt":"2026-10-28T16:37:12","guid":{"rendered":"https:\/\/revestus.lt\/r\/?p=9910001"},"modified":"2026-10-28T19:43:50","modified_gmt":"2026-10-28T17:43:50","slug":"verslo-paskola-su-nekilnojamojo-turto-ikeitimu","status":"publish","type":"post","link":"https:\/\/revestus.lt\/r\/blog\/verslo-paskola-su-nekilnojamojo-turto-ikeitimu\/","title":{"rendered":"Verslo paskola su nekilnojamojo turto \u012fkeitimu: kaip ji veikia ir k\u0105 reikia \u017einoti?"},"content":{"rendered":"\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-d4521bb\" id=\"gspb_image-id-gsbp-d4521bb\"><img decoding=\"async\" src=\"https:\/\/revestus.lt\/r\/wp-content\/uploads\/2026\/10\/verslo-paskola-su-nt-ikeitimu-finansavimas.webp\" data-src=\"\" alt=\"Verslo paskola su nekilnojamojo turto \u012fkeitimu \u2013 finansavimas verslui\" loading=\"lazy\" width=\"1672\" height=\"941\"\/><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Verslui augant ar \u012fgyvendinant nauj\u0105 projekt\u0105 da\u017enai prireikia papildomo finansavimo. Viena i\u0161 da\u017eniausiai naudojam\u0173 finansavimo form\u0173 \u2013 <strong>verslo paskola su nekilnojamojo turto \u012fkeitimu<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nekilnojamojo turto \u012fkeitimas finansuotojui suteikia papildom\u0105 paskolos gr\u0105\u017einimo u\u017etikrinimo priemon\u0119, tod\u0117l toks finansavimas gali b\u016bti prieinamas ir tais atvejais, kai \u012fmonei sud\u0117tingiau gauti neu\u017etikrint\u0105 paskol\u0105 arba reikalinga didesn\u0117 finansavimo suma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u010diau turto \u012fkeitimas savaime nerei\u0161kia, kad paskola bus suteikta. Finansavimo metu vertinama \u012fmon\u0117s finansin\u0117 pad\u0117tis, projekto ekonominis pagr\u012fstumas, \u012fkei\u010diamo turto vert\u0117 ir likvidumas bei numatomas paskolos gr\u0105\u017einimo \u0161altinis.<\/p>\n\n\n\n<h2 id=\"kas-yra-verslo-paskola-su-nekilnojamojo-turto-ikeitimu\" class=\"wp-block-heading\">Kas yra verslo paskola su nekilnojamojo turto \u012fkeitimu?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo paskola su nekilnojamojo turto \u012fkeitimu \u2013 tai paskola \u012fmonei ar kitam verslo subjektui, kurios gr\u0105\u017einimas papildomai u\u017etikrinamas nekilnojamojo turto hipoteka. \u012ekei\u010diamas gali b\u016bti, pavyzd\u017eiui:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>butas ar gyvenamasis namas;<\/li>\n\n\n\n<li>komercin\u0117s paskirties patalpos;<\/li>\n\n\n\n<li>\u017eem\u0117s sklypas;<\/li>\n\n\n\n<li>administracin\u0117s ar gamybin\u0117s patalpos;<\/li>\n\n\n\n<li>vystomas nekilnojamojo turto objektas;<\/li>\n\n\n\n<li>kitas finansuotojui priimtinas nekilnojamasis turtas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Turtas neb\u016btinai turi priklausyti pa\u010diam paskolos gav\u0117jui. Tam tikrais atvejais paskolos gr\u0105\u017einimas gali b\u016bti u\u017etikrinamas ir kitam asmeniui ar susijusiai bendrovei priklausan\u010diu nekilnojamuoju turtu, jeigu turto savininkas sutinka j\u012f \u012fkeisti.<\/p>\n\n\n\n<h2 id=\"kam-gali-buti-naudojama-tokia-paskola\" class=\"wp-block-heading\">Kam gali b\u016bti naudojama tokia paskola?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo paskola su nekilnojamojo turto \u012fkeitimu gali b\u016bti naudojama labai \u012fvairiems verslo tikslams. Da\u017eniausi j\u0173:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>nekilnojamojo turto \u012fsigijimas;<\/li>\n\n\n\n<li>nekilnojamojo turto projekt\u0173 vystymas;<\/li>\n\n\n\n<li>statybos ar rekonstrukcijos darbai;<\/li>\n\n\n\n<li>apyvartinio kapitalo finansavimas;<\/li>\n\n\n\n<li>kitos paskolos refinansavimas;<\/li>\n\n\n\n<li>verslo pl\u0117tra;<\/li>\n\n\n\n<li>investicijos \u012f \u012frang\u0105 ar kit\u0105 turt\u0105;<\/li>\n\n\n\n<li>trumpalaikio finansavimo poreikio padengimas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbiausia, kad paskolos paskirtis b\u016bt\u0173 ai\u0161ki, ekonomi\u0161kai pagr\u012fsta ir b\u016bt\u0173 numatytas realus paskolos gr\u0105\u017einimo \u0161altinis. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u010diau apie pat\u012f verslo paskolos gavimo proces\u0105 skaitykite m\u016bs\u0173 gide <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kokiu-dokumentu-reikia-verslo-paskolai\/\">Kaip gauti paskol\u0105 verslui? S\u0105lygos, dokumentai ir patarimai<\/a>\u201c<\/strong>.<\/p>\n\n\n\n<h2 id=\"kodel-nekilnojamojo-turto-ikeitimas-svarbus-finansuotojui\" class=\"wp-block-heading\">Kod\u0117l nekilnojamojo turto \u012fkeitimas svarbus finansuotojui?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finansuotojui svarbiausia \u012fvertinti tikimyb\u0119, kad paskola bus gr\u0105\u017einta laiku. Pirminis paskolos gr\u0105\u017einimo \u0161altinis paprastai tur\u0117t\u0173 b\u016bti \u012fmon\u0117s veiklos pajamos, turto pardavimas, projekto refinansavimas ar kitas i\u0161 anksto numatytas pinig\u0173 srautas. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hipoteka yra papildoma apsaugos priemon\u0117. Finansavimo tikslas n\u0117ra realizuoti \u012fkeist\u0105 turt\u0105 \u2013 pagrindinis vertinimo klausimas yra, ar paskolos gav\u0117jas tur\u0117s pakankam\u0105 ir ai\u0161k\u0173 pinig\u0173 sraut\u0105 paskolai gr\u0105\u017einti. Jeigu paskolos gav\u0117jas nevykdyt\u0173 savo \u012fsipareigojim\u0173, \u012fkeistas nekilnojamasis turtas tam tikrais teis\u0117s aktuose ir sutartyse nustatytais atvejais gal\u0117t\u0173 b\u016bti realizuojamas, o gautos l\u0117\u0161os naudojamos paskolai gr\u0105\u017einti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u0117l \u0161ios prie\u017easties labai svarbi ne vien formali hipotekos registracija, bet ir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fkei\u010diamo turto vert\u0117;<\/li>\n\n\n\n<li>jo likvidumas;<\/li>\n\n\n\n<li>esami turto suvar\u017eymai;<\/li>\n\n\n\n<li>hipotekos eil\u0117;<\/li>\n\n\n\n<li>paskolos ir turto vert\u0117s santykis.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Apie hipotekos eili\u0161kumo reik\u0161m\u0119 i\u0161samiau ra\u0161\u0117me straipsnyje <strong>\u201e<a href=\"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<h2 id=\"kas-yra-ltv-ir-kodel-jis-svarbus\" class=\"wp-block-heading\">Kas yra LTV ir kod\u0117l jis svarbus?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vertinant paskol\u0105 su nekilnojamojo turto \u012fkeitimu da\u017enai naudojamas <strong>LTV (Loan to Value)<\/strong> rodiklis. Jis parodo paskolos sumos ir \u012fkei\u010diamo turto vert\u0117s santyk\u012f. LTV apskai\u010diuojamas: <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>LTV = paskolos suma \/ nekilnojamojo turto vert\u0117 \u00d7 100 %<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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>paskolos suma \u2013 300 000 Eur;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">LTV b\u016bt\u0173: <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>300 000 \/ 500 000 \u00d7 100 % = 60 %.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tai rei\u0161kia, kad paskolos suma sudaro 60 % \u012fkeisto turto vert\u0117s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Likusi turto vert\u0117s dalis sukuria tam tikr\u0105 vert\u0117s rezerv\u0105, ta\u010diau vien LTV rodiklio nepakanka visai finansavimo rizikai \u012fvertinti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u010diau apie \u0161\u012f rodikl\u012f skaitykite straipsnyje <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-ltv\/\">Kas yra LTV? Kaip paskolos ir turto vert\u0117s santykis padeda \u012fvertinti investicijos rizik\u0105<\/a>\u201c<\/strong>.<\/p>\n\n\n\n<h2 id=\"kaip-nustatoma-ikeiciamo-turto-verte\" class=\"wp-block-heading\">Kaip nustatoma \u012fkei\u010diamo turto vert\u0117?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finansuotojas paprastai vertina ne vien turto savininko nurodyt\u0105 kain\u0105. Daugeliu atvej\u0173 naudojama nepriklausomo turto vertintojo parengta nekilnojamojo turto vertinimo ataskaita. Vertinant turt\u0105 svarbu atsi\u017evelgti ne tik \u012f nustatyt\u0105 rinkos vert\u0119, bet ir \u012f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>turto viet\u0105;<\/li>\n\n\n\n<li>paskirt\u012f;<\/li>\n\n\n\n<li>technin\u0119 b\u016bkl\u0119;<\/li>\n\n\n\n<li>paklaus\u0105 rinkoje;<\/li>\n\n\n\n<li>pardavimo termin\u0105;<\/li>\n\n\n\n<li>galimus teisinius ar kitus apribojimus.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Du pana\u0161ios vert\u0117s objektai finansuotojo po\u017ei\u016briu gali kelti labai skirting\u0105 rizik\u0105. Pavyzd\u017eiui, standartinis butas didmiestyje paprastai gali b\u016bti realizuojamas lengviau nei labai specifin\u0117s paskirties komercinis objektas ma\u017eiau likvid\u017eioje vietoje. Tod\u0117l vertinant u\u017estat\u0105 svarbi ne tik jo nominali vert\u0117, bet ir reali galimyb\u0117 turt\u0105 parduoti.<\/p>\n\n\n\n<h2 id=\"ar-turint-vertingo-nekilnojamojo-turto-paskola-visada-bus-suteikta\" class=\"wp-block-heading\">Ar turint vertingo nekilnojamojo turto paskola visada bus suteikta?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne. Tai viena da\u017eniausi\u0173 klaiding\u0173 prielaid\u0173. Net ir pakankamos vert\u0117s nekilnojamasis turtas nepakei\u010dia finansinio projekto vertinimo. Finansuotojas taip pat gali analizuoti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fmon\u0117s pajamas ir pelningum\u0105;<\/li>\n\n\n\n<li>turimus finansinius \u012fsipareigojimus;<\/li>\n\n\n\n<li>nuosav\u0105 kapital\u0105;<\/li>\n\n\n\n<li>kredito istorij\u0105;<\/li>\n\n\n\n<li>akcinink\u0173 ir vadov\u0173 patirt\u012f;<\/li>\n\n\n\n<li>projekto biud\u017eet\u0105;<\/li>\n\n\n\n<li>numatom\u0105 pinig\u0173 sraut\u0105;<\/li>\n\n\n\n<li>paskolos gr\u0105\u017einimo \u0161altin\u012f.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kitaip tariant, hipoteka yra svarbi rizikos ma\u017einimo priemon\u0117, ta\u010diau gera paskola netur\u0117t\u0173 b\u016bti grind\u017eiama vien prielaida, kad nepavykus projektui bus parduotas \u012fkeistas turtas.<\/p>\n\n\n<style>.gspb_container-id-gsbp-78dfab0{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-78dfab0.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-78dfab0.gspb_container{position:relative;}#gspb_container-id-gsbp-78dfab0.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-78dfab0\" id=\"gspb_container-id-gsbp-78dfab0\"><style>.gspb_container-id-gsbp-9c6e254{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-9c6e254.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-9c6e254.gspb_container{position:relative;}#gspb_container-id-gsbp-9c6e254.gspb_container{box-shadow:0px 2px 10px 0px rgba(0,0,0,0.06);}#gspb_container-id-gsbp-9c6e254.gspb_container{margin-top:24px;margin-bottom:32px;padding-top:20px;padding-right:24px;padding-bottom:20px;padding-left:24px;}#gspb_container-id-gsbp-9c6e254.gspb_container{border-top-left-radius:9px;border-top-right-radius:9px;border-bottom-right-radius:9px;border-bottom-left-radius:9px;}#gspb_container-id-gsbp-9c6e254.gspb_container{border-left-style:solid;border-left-width:1px;border-left-color:#e5e7eb;}#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_container-id-gsbp-9c6e254.gspb_container{background-color:#fafbfc;}#gspb_container-id-gsbp-9c6e254.gspb_container{box-sizing:border-box;}<\/style>\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-1 wp-block-paragraph\" style=\"line-height:1.3\"><strong>Eksperto \u012f\u017evalga<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Praktikoje vien \u012fkei\u010diamo turto vert\u0117s nepakanka sprendimui d\u0117l finansavimo priimti. Vertiname, i\u0161 koki\u0173 pinig\u0173 paskola realiai bus gr\u0105\u017einta, kokia yra \u012fmon\u0117s finansin\u0117 pad\u0117tis, projekto ekonomin\u0117 logika ir kaip si\u016blomas u\u017estatas atrodyt\u0173 nepalankaus scenarijaus atveju.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pavyzd\u017eiui, 60 % LTV savaime gali atrodyti konservatyviai, ta\u010diau rizika labai priklauso nuo to, ar \u012fkei\u010diamas turtas yra likvidus, kaip pagr\u012fsta jo vert\u0117 ir ar paskolos gr\u0105\u017einimas nepriklauso vien nuo optimistini\u0173 projekto pardavimo prognozi\u0173.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tod\u0117l ger\u0105 finansavimo sandor\u012f paprastai sudaro ne vien stiprus u\u017estatas, o keli\u0173 veiksni\u0173 visuma: ai\u0161kus gr\u0105\u017einimo \u0161altinis, pakankamas turto vert\u0117s rezervas ir ekonomi\u0161kai pagr\u012fstas projektas<\/p>\n\n\n\n<p class=\"has-poppins-font-family wp-block-paragraph\" 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 id=\"kokiu-dokumentu-paprastai-reikia\" class=\"wp-block-heading\">Koki\u0173 dokument\u0173 paprastai reikia?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dokument\u0173 s\u0105ra\u0161as priklauso nuo paskolos paskirties ir \u012fmon\u0117s situacijos, ta\u010diau finansuotojas paprastai gali pra\u0161yti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fmon\u0117s finansini\u0173 ataskait\u0173;<\/li>\n\n\n\n<li>aktuali\u0173 tarpini\u0173 finansini\u0173 duomen\u0173;<\/li>\n\n\n\n<li>banko s\u0105skait\u0173 i\u0161ra\u0161\u0173;<\/li>\n\n\n\n<li>informacijos apie esamus \u012fsipareigojimus;<\/li>\n\n\n\n<li>projekto ar investicijos apra\u0161ymo;<\/li>\n\n\n\n<li>nekilnojamojo turto dokument\u0173;<\/li>\n\n\n\n<li>turto vertinimo ataskaitos;<\/li>\n\n\n\n<li>informacijos apie numatom\u0105 paskolos gr\u0105\u017einimo \u0161altin\u012f.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu finansuojamas nekilnojamojo turto vystymo projektas, papildomai gali b\u016bti reikalingi statybos leidimai, s\u0105matos, rangos sutartys, projekto pardavimo ar nuomos prognoz\u0117s ir kiti dokumentai. I\u0161sam\u0173 s\u0105ra\u0161\u0105 rasite Revestus straipsnyje <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kokiu-dokumentu-reikia-verslo-paskolai\/\">Koki\u0173 dokument\u0173 reikia verslo paskolai? Pilnas s\u0105ra\u0161as 2026 metais<\/a>\u201c<\/strong>.<\/p>\n\n\n\n<h2 id=\"kaip-vyksta-verslo-paskolos-su-nekilnojamojo-turto-ikeitimu-gavimo-procesas\" class=\"wp-block-heading\">Kaip vyksta verslo paskolos su nekilnojamojo turto \u012fkeitimu gavimo procesas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo paskola su nekilnojamojo turto \u012fkeitimu paprastai suteikiama keliais etapais \u2013 nuo pirminio finansavimo poreikio \u012fvertinimo iki hipotekos \u012fforminimo ir paskolos i\u0161mok\u0117jimo.<\/p>\n\n\n\n<h3 id=\"1-finansavimo-poreikio-pateikimas\" class=\"wp-block-heading\">1. Finansavimo poreikio pateikimas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Paskolos gav\u0117jas pateikia informacij\u0105 apie:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reikaling\u0105 finansavimo sum\u0105;<\/li>\n\n\n\n<li>paskolos paskirt\u012f;<\/li>\n\n\n\n<li>pageidaujam\u0105 termin\u0105;<\/li>\n\n\n\n<li>si\u016blom\u0105 nekilnojam\u0105j\u012f turt\u0105;<\/li>\n\n\n\n<li>planuojam\u0105 paskolos gr\u0105\u017einimo \u0161altin\u012f.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"2-pirminis-projekto-vertinimas\" class=\"wp-block-heading\">2. Pirminis projekto vertinimas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finansuotojas \u012fvertina, ar projektas i\u0161 esm\u0117s atitinka jo finansavimo kriterijus. \u0160iame etape paprastai vertinama:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>paskolos suma;<\/li>\n\n\n\n<li>turto vert\u0117;<\/li>\n\n\n\n<li>preliminarus LTV;<\/li>\n\n\n\n<li>projekto pob\u016bdis;<\/li>\n\n\n\n<li>paskolos gav\u0117jo finansin\u0117 situacija.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"3-dokumentu-ir-turto-vertinimas\" class=\"wp-block-heading\">3. Dokument\u0173 ir turto vertinimas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Atliekama i\u0161samesn\u0117 finansin\u0117, teisin\u0117 ir projekto analiz\u0117.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu reikia, atliekamas arba atnaujinamas nekilnojamojo turto vertinimas.<\/p>\n\n\n\n<h3 id=\"4-finansavimo-salygu-nustatymas\" class=\"wp-block-heading\">4. Finansavimo s\u0105lyg\u0173 nustatymas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nusta\u010dius priimtin\u0105 rizikos lyg\u012f gali b\u016bti pasi\u016blytos konkre\u010dios paskolos s\u0105lygos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>paskolos suma;<\/li>\n\n\n\n<li>terminas;<\/li>\n\n\n\n<li>pal\u016bkan\u0173 norma;<\/li>\n\n\n\n<li>LTV riba;<\/li>\n\n\n\n<li>hipotekos s\u0105lygos;<\/li>\n\n\n\n<li>paskolos i\u0161mok\u0117jimo tvarka;<\/li>\n\n\n\n<li>papildomi \u012fsipareigojimai.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"5-uztikrinimo-priemoniu-iforminimas\" class=\"wp-block-heading\">5. U\u017etikrinimo priemoni\u0173 \u012fforminimas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prie\u0161 i\u0161mokant paskol\u0105 \u012fforminamos sutartos u\u017etikrinimo priemon\u0117s, \u012fskaitant nekilnojamojo turto hipotek\u0105.<\/p>\n\n\n\n<h3 id=\"6-paskolos-ismokejimas\" class=\"wp-block-heading\">6. Paskolos i\u0161mok\u0117jimas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u012evykd\u017eius sutartyje nustatytas s\u0105lygas finansavimas i\u0161mokamas. Kai kuri\u0173 projekt\u0173 atveju visa paskola gali b\u016bti i\u0161mokama i\u0161 karto, o kitais atvejais \u2013 etapais, atsi\u017evelgiant \u012f projekto \u012fgyvendinimo progres\u0105.<\/p>\n\n\n\n<h2 id=\"kuo-toks-finansavimas-skiriasi-nuo-iprastos-banko-paskolos\" class=\"wp-block-heading\">Kuo toks finansavimas skiriasi nuo \u012fprastos banko paskolos?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo paskola su nekilnojamojo turto \u012fkeitimu gali b\u016bti suteikiama ne tik banko, bet ir per alternatyvaus finansavimo rinkos dalyvius, kai finansavimo strukt\u016bra ir projektas atitinka j\u0173 nustatytus kriterijus. Alternatyvus finansavimas gali b\u016bti aktualus, kai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reikalingas lankstesnis sandorio strukt\u016bravimas;<\/li>\n\n\n\n<li>finansavimo poreikis susij\u0119s su konkre\u010diu nekilnojamojo turto projektu;<\/li>\n\n\n\n<li>svarbus sprendimo pri\u0117mimo greitis;<\/li>\n\n\n\n<li>reikalingas trumpesnio termino finansavimas;<\/li>\n\n\n\n<li>planuojamas laikinas finansavimas iki turto pardavimo ar refinansavimo.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u010diau apie tai, kaip veikia sutelktinis finansavimas, skaitykite m\u016bs\u0173 gide <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-sutelktinis-finansavimas\/\">Kas yra sutelktinis finansavimas ir kaip jis veikia?<\/a>\u201c<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vis d\u0117lto skirting\u0173 finansuotoj\u0173 s\u0105lygos, kainodara ir rizikos vertinimas gali reik\u0161mingai skirtis, tod\u0117l prie\u0161 priimant sprendim\u0105 svarbu vertinti bendr\u0105 finansavimo kain\u0105 ir visas sutarties s\u0105lygas.<\/p>\n\n\n\n<h2 id=\"verslo-finansavimas-per-revestus\" class=\"wp-block-heading\">Verslo finansavimas per Revestus<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Revestus platformoje finansuojami verslo projektai, kuriems reikalingas kapitalas \u012fvairiems verslo tikslams, tarp j\u0173 \u2013 nekilnojamojo turto \u012fsigijimui, vystymui, refinansavimui ar apyvartiniam kapitalui. Vertindama projektus Revestus analizuoja ne vien si\u016blomo nekilnojamojo turto vert\u0119. Vertinama:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>paskolos gav\u0117jo finansin\u0117 situacija;<\/li>\n\n\n\n<li>projekto ekonominis pagr\u012fstumas;<\/li>\n\n\n\n<li>nekilnojamojo turto vert\u0117 ir likvidumas;<\/li>\n\n\n\n<li>LTV;<\/li>\n\n\n\n<li>u\u017etikrinimo priemon\u0117s;<\/li>\n\n\n\n<li>paskolos gr\u0105\u017einimo \u0161altinis;<\/li>\n\n\n\n<li>su projektu susijusios pagrindin\u0117s rizikos.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Toks vertinimas leid\u017eia nustatyti konkre\u010diam projektui tinkam\u0105 finansavimo strukt\u016br\u0105. Jei verslui aktuali verslo paskola su nekilnojamojo turto \u012fkeitimu, svarbu pateikti kuo i\u0161samesn\u0119 informacij\u0105 apie finansavimo tiksl\u0105, si\u016blom\u0105 u\u017estat\u0105 ir numatom\u0105 paskolos gr\u0105\u017einimo \u0161altin\u012f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu ie\u0161kote finansavimo savo verslui ar nekilnojamojo turto projektui, susisiekite su mumis: <\/p>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-8d461c9\" id=\"gspb_button-id-gsbp-8d461c9\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/revestus.lt\/funding\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\">Susisiekime!<\/span><\/span><\/span><\/a><\/div>\n\n\n\n<h2 id=\"ka-svarbu-ivertinti-pries-ikeiciant-nekilnojamaji-turta\" class=\"wp-block-heading\">K\u0105 svarbu \u012fvertinti prie\u0161 \u012fkei\u010diant nekilnojam\u0105j\u012f turt\u0105?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prie\u0161 sudarant finansavimo sandor\u012f rekomenduojama \u012fvertinti ne vien pal\u016bkan\u0173 norm\u0105. Svarbu suprasti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kokia bus bendra finansavimo kaina;<\/li>\n\n\n\n<li>kada ir kaip reik\u0117s mok\u0117ti pal\u016bkanas;<\/li>\n\n\n\n<li>kada tur\u0117s b\u016bti gr\u0105\u017einta paskola;<\/li>\n\n\n\n<li>kokios numatytos i\u0161ankstinio gr\u0105\u017einimo s\u0105lygos;<\/li>\n\n\n\n<li>kokios pasekm\u0117s v\u0117luojant vykdyti \u012fsipareigojimus;<\/li>\n\n\n\n<li>kokiais atvejais finansuotojas gal\u0117s prad\u0117ti i\u0161ie\u0161kojim\u0105 i\u0161 \u012fkeisto turto.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ypa\u010d svarbu realisti\u0161kai \u012fvertinti paskolos gr\u0105\u017einimo \u0161altin\u012f. Jeigu paskola bus gr\u0105\u017einama pardavus vystom\u0105 nekilnojam\u0105j\u012f turt\u0105, verta \u012fvertinti ir nepalank\u0173 scenarij\u0173 \u2013 kas nutikt\u0173, jeigu pardavimas u\u017etrukt\u0173 arba rinkos kainos suma\u017e\u0117t\u0173.<\/p>\n\n\n\n<h2 id=\"isvada\" class=\"wp-block-heading\">I\u0161vada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Verslo paskola su nekilnojamojo turto \u012fkeitimu<\/strong> gali b\u016bti efektyvus b\u016bdas finansuoti verslo pl\u0117tr\u0105, investicijas ar nekilnojamojo turto projektus. Nekilnojamojo turto hipoteka suteikia finansuotojui papildom\u0105 paskolos gr\u0105\u017einimo u\u017etikrinim\u0105 ir gali sudaryti galimybes gauti didesn\u0119 finansavimo sum\u0105. Ta\u010diau sprendimas finansuoti projekt\u0105 netur\u0117t\u0173 b\u016bti grind\u017eiamas vien \u012fkei\u010diamo turto verte. Svarbu \u012fvertinti vis\u0105 sandorio strukt\u016br\u0105 \u2013 paskolos gav\u0117jo finansin\u0119 b\u016bkl\u0119, projekto perspektyvas, LTV, turto likvidum\u0105 ir real\u0173 paskolos gr\u0105\u017einimo \u0161altin\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\">Ar verslo paskolai b\u016btina \u012fkeisti nekilnojam\u0105j\u012f turt\u0105?<\/div><meta itemprop=\"name\" content=\"Ar verslo paskolai b\u016btina \u012fkeisti nekilnojam\u0105j\u012f turt\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-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 class=\"wp-block-paragraph\">Ne visoms verslo paskoloms reikalingas nekilnojamojo turto \u012fkeitimas. Ta\u010diau NT hipoteka da\u017enai naudojama, kai reikalinga didesn\u0117 finansavimo suma arba paskola tiesiogiai susijusi su nekilnojamuoju turtu.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e8cea83 gsclose\" id=\"gspb_accordionitem-gsbp-e8cea83\" 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-e8cea83\"><div class=\"gs-accordion-item__heading\">Ar galima \u012fkeisti kitam asmeniui priklausant\u012f turt\u0105?<\/div><meta itemprop=\"name\" content=\"Ar galima \u012fkeisti kitam asmeniui priklausant\u012f turt\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-1\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e8cea83\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Tam tikrais atvejais taip. Turto savininkas turi sutikti su hipoteka ir dalyvauti j\u0105 \u012fforminant.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-2ebe910 gsclose\" id=\"gspb_accordionitem-gsbp-2ebe910\" 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-2ebe910\"><div class=\"gs-accordion-item__heading\">Kas yra LTV?<\/div><meta itemprop=\"name\" content=\"Kas yra 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-2\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-2ebe910\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">LTV yra paskolos ir \u012fkei\u010diamo turto vert\u0117s santykis. Kuo ma\u017eesn\u0119 turto vert\u0117s dal\u012f sudaro paskola, tuo didesnis paprastai lieka turto vert\u0117s rezervas.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-660ea57 gsclose\" id=\"gspb_accordionitem-gsbp-660ea57\" 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-660ea57\"><div class=\"gs-accordion-item__heading\">Ar galima \u012fkeisti jau bankui \u012fkeist\u0105 nekilnojam\u0105j\u012f turt\u0105?<\/div><meta itemprop=\"name\" content=\"Ar galima \u012fkeisti jau bankui \u012fkeist\u0105 nekilnojam\u0105j\u012f turt\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-3\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-660ea57\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Tai priklauso nuo esamos hipotekos s\u0105lyg\u0173, turto vert\u0117s, kreditoriaus sutikim\u0173 ir planuojamo finansavimo strukt\u016bros. Tokiais atvejais ypa\u010d svarbus hipotekos eili\u0161kumas.<\/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-4\" 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\">Per kiek laiko galima gauti verslo paskol\u0105?<\/div><meta itemprop=\"name\" content=\"Per kiek laiko galima gauti verslo paskol\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-4\" 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 class=\"wp-block-paragraph\">Finansavimo procesas priklauso nuo projekto sud\u0117tingumo, pra\u0161omos sumos ir dokument\u0173 parengimo. Kuo i\u0161samesn\u0117 informacija pateikiama finansuotojui i\u0161 karto, tuo grei\u010diau galima atlikti projekto vertinim\u0105.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/section>\n\n\n                <div class=\"ml-embedded\" data-form=\"ESJW2J\"><\/div>\n            \n","protected":false},"excerpt":{"rendered":"<p>Verslui augant ar \u012fgyvendinant nauj\u0105 projekt\u0105 da\u017enai prireikia papildomo finansavimo. Viena i\u0161 da\u017eniausiai naudojam\u0173 finansavimo form\u0173 \u2013 verslo paskola su nekilnojamojo turto \u012fkeitimu. Nekilnojamojo turto \u012fkeitimas finansuotojui suteikia papildom\u0105 paskolos gr\u0105\u017einimo u\u017etikrinimo priemon\u0119, tod\u0117l toks finansavimas gali b\u016bti prieinamas ir tais atvejais, kai \u012fmonei sud\u0117tingiau gauti neu\u017etikrint\u0105 paskol\u0105 arba reikalinga didesn\u0117 finansavimo suma. Ta\u010diau turto [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9910014,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"#gspb_image-id-gsbp-d4521bb 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{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 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