{"id":9910022,"date":"2026-11-11T18:21:34","date_gmt":"2026-11-11T16:21:34","guid":{"rendered":"https:\/\/revestus.lt\/r\/?p=9910022"},"modified":"2026-11-11T18:29:25","modified_gmt":"2026-11-11T16:29:25","slug":"verslo-paskolos-refinansavimas","status":"publish","type":"post","link":"https:\/\/revestus.lt\/r\/blog\/verslo-paskolos-refinansavimas\/","title":{"rendered":"Verslo paskolos refinansavimas: kada verta refinansuoti paskol\u0105?"},"content":{"rendered":"\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-ef2582b\" id=\"gspb_image-id-gsbp-ef2582b\"><img decoding=\"async\" src=\"https:\/\/revestus.lt\/r\/wp-content\/uploads\/2026\/11\/verslo-paskolos-refinansavimas-revestus-hero.webp\" data-src=\"\" alt=\"Verslo paskolos refinansavimas \u2013 esama paskola ir naujas finansavimas\" loading=\"lazy\" width=\"1774\" height=\"887\"\/><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo finansavimo poreikiai ir galimyb\u0117s laikui b\u0117gant kei\u010diasi. Paskola, kurios s\u0105lygos buvo tinkamos prie\u0161 kelerius metus, \u0161iandien gali b\u016bti per brangi, jos terminas \u2013 per trumpas, o gr\u0105\u017einimo grafikas \u2013 nebeatitikti \u012fmon\u0117s pinig\u0173 sraut\u0173. Tokiais atvejais viena i\u0161 galimybi\u0173 yra <strong>verslo paskolos refinansavimas<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Refinansavimas rei\u0161kia, kad nauja paskola panaudojama esamam finansiniam \u012fsipareigojimui arba keliems \u012fsipareigojimams padengti. Ta\u010diau refinansavimo tikslas neb\u016btinai yra vien ma\u017eesn\u0117s pal\u016bkanos. Jis gali pad\u0117ti pakeisti paskolos termin\u0105, suma\u017einti periodines \u012fmokas, sujungti kelias paskolas, pakeisti finansuotoj\u0105 ar pritaikyti finansavimo strukt\u016br\u0105 prie pasikeitusios verslo situacijos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbiausias klausimas tod\u0117l yra ne \u201ear galima refinansuoti paskol\u0105?\u201c, o <strong>ar nauja finansavimo strukt\u016bra verslui i\u0161 ties\u0173 bus naudingesn\u0117 u\u017e esam\u0105<\/strong>.<\/p>\n\n\n\n<h2 id=\"kas-yra-verslo-paskolos-refinansavimas\" class=\"wp-block-heading\">Kas yra verslo paskolos refinansavimas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo paskolos refinansavimas \u2013 tai esamos paskolos pakeitimas nauju finansavimu. Naujo finansuotojo suteiktos l\u0117\u0161os paprastai pirmiausia panaudojamos ankstesnio kreditoriaus reikalavimui padengti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Papras\u010diausias pavyzdys:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fmon\u0117 turi 300 000 Eur paskolos likut\u012f;<\/li>\n\n\n\n<li>iki paskolos termino pabaigos liko 18 m\u0117nesi\u0173;<\/li>\n\n\n\n<li>kitas finansuotojas sutinka suteikti nauj\u0105 300 000 Eur paskol\u0105;<\/li>\n\n\n\n<li>naujos paskolos l\u0117\u0161omis gr\u0105\u017einama ankstesn\u0117 paskola;<\/li>\n\n\n\n<li>toliau \u012fmon\u0117 vykdo \u012fsipareigojimus jau naujam finansuotojui pagal naujas s\u0105lygas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u010diau praktikoje refinansavimo sandoriai gali b\u016bti sud\u0117tingesni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gali b\u016bti refinansuojamos kelios paskolos, kei\u010diamas paskolos terminas, mok\u0117jim\u0173 grafikas ar u\u017etikrinimo strukt\u016bra. Kai kuriais atvejais kartu su refinansavimu verslui gali b\u016bti suteikiama ir papildoma finansavimo suma, jeigu tai leid\u017eia \u012fmon\u0117s finansin\u0117 b\u016bkl\u0117, projekto perspektyvos ir si\u016blomos u\u017etikrinimo priemon\u0117s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tod\u0117l refinansavimas n\u0117ra vien techninis vieno kreditoriaus pakeitimas kitu \u2013 tai gali b\u016bti visos \u012fmon\u0117s finansavimo strukt\u016bros pertvarkymas.<\/p>\n\n\n\n<h2 id=\"kada-verta-svarstyti-verslo-paskolos-refinansavima\" class=\"wp-block-heading\">Kada verta svarstyti verslo paskolos refinansavim\u0105?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo paskolos refinansavimas gali b\u016bti naudingas \u012fvairiose situacijose, ta\u010diau vien tai, kad rinkoje galima rasti kit\u0105 finansuotoj\u0105, dar nerei\u0161kia, kad paskol\u0105 verta refinansuoti.. Sprendimas tur\u0117t\u0173 b\u016bti pagr\u012fstas konkre\u010dia ekonomine nauda arba verslo poreikiu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Da\u017eniausiai refinansavimas svarstomas keliose situacijose.<\/p>\n\n\n\n<h3 id=\"1-galima-sumazinti-finansavimo-kaina\" class=\"wp-block-heading\">1. Galima suma\u017einti finansavimo kain\u0105<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Akivaizd\u017eiausia prie\u017eastis \u2013 galimyb\u0117 gauti finansavim\u0105 palankesn\u0117mis s\u0105lygomis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pavyzd\u017eiui, nuo ankstesn\u0117s paskolos suteikimo gal\u0117jo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pager\u0117ti \u012fmon\u0117s finansiniai rezultatai;<\/li>\n\n\n\n<li>suma\u017e\u0117ti \u012fsiskolinimas;<\/li>\n\n\n\n<li>padid\u0117ti \u012fkeisto turto vert\u0117;<\/li>\n\n\n\n<li>b\u016bti u\u017ebaigta dalis vystomo projekto;<\/li>\n\n\n\n<li>suma\u017e\u0117ti projekto rizika;<\/li>\n\n\n\n<li>pasikeisti situacija finansavimo rinkoje.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D\u0117l to finansuotojas t\u0105 pat\u012f versl\u0105 ar projekt\u0105 \u0161iandien gali vertinti kitaip nei prie\u0161 metus ar dvejus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u010diau lyginti reikia ne vien nominali\u0105 pal\u016bkan\u0173 norm\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbi <strong>visa refinansavimo kaina<\/strong>.<\/p>\n\n\n\n<h3 id=\"2-arteja-paskolos-grazinimo-terminas\" class=\"wp-block-heading\">2. Art\u0117ja paskolos gr\u0105\u017einimo terminas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tai ypa\u010d aktualu trumpalaikio finansavimo ir nekilnojamojo turto projekt\u0173 atveju.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pavyzd\u017eiui, projekto paskola buvo suteikta 12 m\u0117nesi\u0173 laikotarpiui, ta\u010diau turto pardavimas ar projekto u\u017ebaigimas u\u017etruko ilgiau, nei planuota.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu pats projektas i\u0161lieka ekonomi\u0161kai pagr\u012fstas, refinansavimas gali suteikti papildomo laiko jam u\u017ebaigti arba realizuoti turt\u0105 palankesn\u0117mis s\u0105lygomis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbu, kad refinansavimas neb\u016bt\u0173 naudojamas vien problemai atid\u0117ti. Finansuotojas vertins, <strong>kod\u0117l pirminis gr\u0105\u017einimo planas nebuvo \u012fgyvendintas ir i\u0161 koki\u0173 l\u0117\u0161\u0173 bus gr\u0105\u017einta nauja paskola<\/strong>.<\/p>\n\n\n\n<h3 id=\"3-reikia-sumazinti-periodine-finansine-nasta\" class=\"wp-block-heading\">3. Reikia suma\u017einti periodin\u0119 finansin\u0119 na\u0161t\u0105<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Verslas gali b\u016bti pelningas, ta\u010diau paskolos mok\u0117jim\u0173 grafikas gali neatitikti jo pinig\u0173 sraut\u0173.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pavyzd\u017eiui, trumpas paskolos terminas gali lemti dideles m\u0117nesines pagrindin\u0117s sumos \u012fmokas. Refinansuojant paskol\u0105 ilgesniam laikotarpiui periodin\u0117 \u012fmoka gali suma\u017e\u0117ti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tai gali pad\u0117ti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stabilizuoti \u012fmon\u0117s pinig\u0173 srautus;<\/li>\n\n\n\n<li>palikti daugiau apyvartini\u0173 l\u0117\u0161\u0173 veiklai;<\/li>\n\n\n\n<li>suma\u017einti trumpalaik\u012f finansin\u012f spaudim\u0105;<\/li>\n\n\n\n<li>geriau suderinti paskolos mok\u0117jimus su projekto pajamomis.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u010diau ilgesnis terminas turi ir kit\u0105 pus\u0119 \u2013 net esant ma\u017eesnei pal\u016bkan\u0173 normai bendra per vis\u0105 laikotarp\u012f sumok\u0117t\u0173 pal\u016bkan\u0173 suma gali padid\u0117ti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tod\u0117l <strong>ma\u017eesn\u0117 m\u0117nesio \u012fmoka neb\u016btinai rei\u0161kia pigesn\u012f finansavim\u0105<\/strong>.<\/p>\n\n\n\n<h3 id=\"4-norima-sujungti-kelis-isipareigojimus\" class=\"wp-block-heading\">4. Norima sujungti kelis \u012fsipareigojimus<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u012emon\u0117 gali tur\u0117ti kelias paskolas, kredito linijas ar kitus finansinius \u012fsipareigojimus skirtingiems kreditoriams.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tokiu atveju refinansavimas gali b\u016bti naudojamas keliems \u012fsipareigojimams sujungti \u012f vien\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tai gali supaprastinti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mok\u0117jim\u0173 administravim\u0105;<\/li>\n\n\n\n<li>paskol\u0173 termin\u0173 valdym\u0105;<\/li>\n\n\n\n<li>pinig\u0173 sraut\u0173 planavim\u0105;<\/li>\n\n\n\n<li>u\u017etikrinimo priemoni\u0173 strukt\u016br\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u010diau ir \u010dia svarbiausia ne pats paskol\u0173 skai\u010diaus suma\u017e\u0117jimas, o tai, ar naujo finansavimo bendra kaina ir s\u0105lygos yra racionalios.<\/p>\n\n\n\n<h3 id=\"5-reikalingas-papildomas-finansavimas\" class=\"wp-block-heading\">5. Reikalingas papildomas finansavimas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kartais refinansavimo poreikis atsiranda kartu su papildomo kapitalo poreikiu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tarkime, \u012fmon\u0117 turi 300 000 Eur paskol\u0105, ta\u010diau projekto u\u017ebaigimui papildomai reikia 100 000 Eur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu projekto vert\u0117, finansiniai rodikliai ir u\u017etikrinimo priemon\u0117s tai leid\u017eia, gali b\u016bti svarstoma 400 000 Eur finansavimo strukt\u016bra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>300 000 Eur skiriama esamai paskolai padengti;<\/li>\n\n\n\n<li>100 000 Eur \u2013 projekto u\u017ebaigimui ar kitam ai\u0161kiai pagr\u012fstam verslo tikslui.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tokiu atveju finansuotojas vertins jau ne vien refinansavim\u0105, bet ir papildomo finansavimo ekonomin\u012f pagr\u012fstum\u0105.<\/p>\n\n\n\n<h2 id=\"refinansavimas-ir-paskolos-restrukturizavimas-ne-tas-pats\" class=\"wp-block-heading\">Refinansavimas ir paskolos restrukt\u016brizavimas \u2013 ne tas pats<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0160ios s\u0105vokos kartais painiojamos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Refinansavimo<\/strong> atveju esamas \u012fsipareigojimas paprastai padengiamas naujos paskolos l\u0117\u0161omis ir atsiranda naujas finansavimo santykis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Restrukt\u016brizuojant paskol\u0105<\/strong>, da\u017eniausiai tariamasi su esamu kreditoriumi d\u0117l jau galiojan\u010dios paskolos s\u0105lyg\u0173 pakeitimo \u2013 pavyzd\u017eiui, termino prat\u0119simo, mok\u0117jimo grafiko pakeitimo ar laikino pagrindin\u0117s sumos mok\u0117jimo atid\u0117jimo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prie\u0161 ie\u0161kant naujo finansuotojo verta \u012fvertinti ir galimyb\u0119 persider\u0117ti su esamu kreditoriumi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu t\u0105 pat\u012f ekonomin\u012f rezultat\u0105 galima pasiekti pakeitus esamos paskolos s\u0105lygas ir nepatiriant naujo sandorio i\u0161laid\u0173, toks sprendimas gali b\u016bti paprastesnis.<\/p>\n\n\n\n<h2 id=\"ar-refinansavimas-visada-reiskia-mazesnes-palukanas\" class=\"wp-block-heading\">Ar refinansavimas visada rei\u0161kia ma\u017eesnes pal\u016bkanas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne. Tai vienas svarbiausi\u0173 dalyk\u0173 vertinant refinansavim\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Verslui refinansavimas gali b\u016bti racionalus net ir tada, kai naujos paskolos pal\u016bkan\u0173 norma n\u0117ra ma\u017eesn\u0117.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pavyzd\u017eiui, naujas finansavimas gali:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>suteikti ilgesn\u012f termin\u0105;<\/li>\n\n\n\n<li>suma\u017einti periodines \u012fmokas;<\/li>\n\n\n\n<li>leisti u\u017ebaigti projekt\u0105;<\/li>\n\n\n\n<li>pakeisti netinkam\u0105 gr\u0105\u017einimo grafik\u0105;<\/li>\n\n\n\n<li>sujungti kelias paskolas;<\/li>\n\n\n\n<li>suteikti papildomo kapitalo;<\/li>\n\n\n\n<li>pakeisti verslui nebetinkam\u0105 finansavimo strukt\u016br\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tod\u0117l refinansavimo pasi\u016blymus reikia lyginti pagal <strong>bendr\u0105 ekonomin\u012f rezultat\u0105<\/strong>, o ne pagal vien\u0105 pal\u016bkan\u0173 normos skai\u010di\u0173.<\/p>\n\n\n\n<h2 id=\"kaip-apskaiciuoti-ar-refinansavimas-apsimoka\" class=\"wp-block-heading\">Kaip apskai\u010diuoti, ar refinansavimas apsimoka?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pirmiausia reik\u0117t\u0173 palyginti esamos ir naujos paskolos ka\u0161tus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vert\u0117t\u0173 \u012ftraukti:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th>Vertinamas elementas<\/th><th>Esama paskola<\/th><th>Naujas finansavimas<\/th><\/tr><tr><td>Paskolos likutis<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Pal\u016bkan\u0173 norma<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Lik\u0119s \/ naujas terminas<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Administravimo mokes\u010diai<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>I\u0161ankstinio gr\u0105\u017einimo ka\u0161tai<\/td><td>\u2713<\/td><td>\u2013<\/td><\/tr><tr><td>Turto vertinimo i\u0161laidos<\/td><td>\u2013<\/td><td>galimos<\/td><\/tr><tr><td>Hipotekos \/ sandorio i\u0161laidos<\/td><td>\u2013<\/td><td>galimos<\/td><\/tr><tr><td>Kiti sutartiniai mokes\u010diai<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Mok\u0117jim\u0173 grafikas<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 id=\"paprastas-pavyzdys\" class=\"wp-block-heading\">Paprastas pavyzdys<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tarkime, \u012fmon\u0117s paskolos likutis yra <strong>300 000 Eur<\/strong>, o dabartin\u0117 metin\u0117 pal\u016bkan\u0173 norma \u2013 <strong>10 %<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Supaprastintai skai\u010diuojant, 300 000 Eur liku\u010diui metin\u0117s pal\u016bkanos sudaryt\u0173 apie <strong>30 000 Eur<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu naujas finansuotojas pasi\u016blyt\u0173 8,5 % metines pal\u016bkanas, tokio paties paskolos liku\u010dio metin\u0117s pal\u016bkanos b\u016bt\u0173 apie <strong>25 500 Eur<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Teorinis skirtumas \u2013 <strong>4 500 Eur per metus<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u010diau jeigu refinansavimo sandorio sudarymas kainuot\u0173, pavyzd\u017eiui, 6 000 Eur, vien pal\u016bkan\u0173 sutaupymo po\u017ei\u016briu \u0161ios i\u0161laidos atsipirkt\u0173 tik ma\u017edaug per 16 m\u0117nesi\u0173.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tai supaprastintas pavyzdys \u2013 realiame sandoryje reikia vertinti paskolos liku\u010dio ma\u017e\u0117jim\u0105, konkret\u0173 mok\u0117jim\u0173 grafik\u0105, mokes\u010dius ir kitas s\u0105lygas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u016btent tod\u0117l refinansavimas, kai iki paskolos termino pabaigos liko vos keli m\u0117nesiai, gali neapsimok\u0117ti net gavus ma\u017eesn\u0119 pal\u016bkan\u0173 norm\u0105.<\/p>\n\n\n\n<h2 id=\"verslo-paskolos-refinansavimas-su-nekilnojamojo-turto-ikeitimu\" class=\"wp-block-heading\">Verslo paskolos refinansavimas su nekilnojamojo turto \u012fkeitimu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu \u012fmon\u0117 ar su ja susij\u0119s asmuo turi tinkamo nekilnojamojo turto, jis gali b\u016bti naudojamas naujos paskolos u\u017etikrinimui.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tokiu atveju finansuotojas paprastai vertina ne vien turto rinkos vert\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Svarb\u016bs ir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>turto tipas;<\/li>\n\n\n\n<li>vieta;<\/li>\n\n\n\n<li>likvidumas;<\/li>\n\n\n\n<li>esami \u012fkeitimai ir kiti suvar\u017eymai;<\/li>\n\n\n\n<li>hipotekos eil\u0117;<\/li>\n\n\n\n<li>turto vertinimo aktualumas;<\/li>\n\n\n\n<li>paskolos ir turto vert\u0117s santykis (LTV).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u010diau apie tok\u012f finansavimo model\u012f skaitykite Revestus gide <a href=\"https:\/\/revestus.lt\/r\/blog\/verslo-paskola-su-nekilnojamojo-turto-ikeitimu\/\">\u201eVerslo paskola su nekilnojamojo turto \u012fkeitimu: kaip ji veikia ir k\u0105 reikia \u017einoti?\u201c<\/a>.<\/p>\n\n\n\n<h3 id=\"kodel-refinansuojant-svarbus-ltv\" class=\"wp-block-heading\">Kod\u0117l refinansuojant svarbus LTV?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">LTV (Loan-to-Value) parodo paskolos sumos ir \u012fkei\u010diamo turto vert\u0117s santyk\u012f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pavyzd\u017eiui:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>refinansuojama paskola \u2013 300 000 Eur;<\/li>\n\n\n\n<li>\u012fkei\u010diamo turto vert\u0117 \u2013 500 000 Eur.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">LTV:<\/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\">Jeigu kartu pra\u0161oma papildom\u0173 100 000 Eur ir bendra naujos paskolos suma padid\u0117ja iki 400 000 Eur, to paties turto LTV jau b\u016bt\u0173:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>400 000 \/ 500 000 \u00d7 100 % = 80 %<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taigi papildomas finansavimas gali reik\u0161mingai pakeisti projekto rizikos profil\u012f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u010diau apie \u0161\u012f rodikl\u012f skaitykite straipsnyje <a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-ltv\/\">\u201eKas yra LTV?\u201c<\/a>.<\/p>\n\n\n\n<h2 id=\"kaip-praktiskai-vyksta-paskolos-su-nt-ikeitimu-refinansavimas\" class=\"wp-block-heading\">Kaip prakti\u0161kai vyksta paskolos su NT \u012fkeitimu refinansavimas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kai esama paskola jau u\u017etikrinta hipoteka, refinansavimo procesas reikalauja suderinti senojo ir naujojo finansuotoj\u0173 interesus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tipinis procesas gali atrodyti taip:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u012evertinamas esamos paskolos likutis ir s\u0105lygos.<\/strong><br>Patikrinama, kiek tiksliai reikia sumok\u0117ti ankstesniam kreditoriui ir kokios taikomos i\u0161ankstinio gr\u0105\u017einimo s\u0105lygos.<\/li>\n\n\n\n<li><strong>Naujas finansuotojas \u012fvertina versl\u0105 ir projekt\u0105.<\/strong><br>Analizuojami finansiniai rezultatai, pinig\u0173 srautai, esami \u012fsipareigojimai ir paskolos gr\u0105\u017einimo \u0161altinis.<\/li>\n\n\n\n<li><strong>\u012evertinamas nekilnojamasis turtas.<\/strong><br>Nustatoma jo rinkos vert\u0117, likvidumas, esami suvar\u017eymai ir LTV.<\/li>\n\n\n\n<li><strong>Suderinama refinansavimo strukt\u016bra.<\/strong><br>Nustatoma paskolos suma, terminas, pal\u016bkanos, mok\u0117jimo grafikas ir u\u017etikrinimo priemon\u0117s.<\/li>\n\n\n\n<li><strong>Suderinamas esamo kreditoriaus reikalavimo padengimas.<\/strong><br>Refinansavimo sandoris turi b\u016bti strukt\u016bruojamas taip, kad b\u016bt\u0173 ai\u0161ku, kaip ir kada gr\u0105\u017einama ankstesn\u0117 paskola bei kaip pakei\u010diamos u\u017etikrinimo priemon\u0117s.<\/li>\n\n\n\n<li><strong>\u012eregistruojamos naujo finansavimo u\u017etikrinimo priemon\u0117s.<\/strong><\/li>\n\n\n\n<li><strong>Padengiama ankstesn\u0117 paskola ir pradedama vykdyti nauja sutartis.<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Konkreti proced\u016bra priklauso nuo sandorio strukt\u016bros, kreditori\u0173 reikalavim\u0173 ir \u012fkei\u010diamo turto.<\/p>\n\n\n\n<h2 id=\"ka-finansuotojas-vertina-pries-refinansuodamas-verslo-paskola\" class=\"wp-block-heading\">K\u0105 finansuotojas vertina prie\u0161 refinansuodamas verslo paskol\u0105?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Refinansavimas n\u0117ra automatinis ankstesn\u0117s paskolos \u201eperk\u0117limas\u201c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naujasis finansuotojas projekt\u0105 vertins i\u0161 naujo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Da\u017eniausiai analizuojama:<\/p>\n\n\n\n<h3 id=\"imones-finansine-bukle\" class=\"wp-block-heading\">\u012emon\u0117s finansin\u0117 b\u016bkl\u0117<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vertinamos pajamos, pelningumas, turimi \u012fsipareigojimai ir pinig\u0173 srautai.<\/p>\n\n\n\n<h3 id=\"esamos-paskolos-mokejimo-istorija\" class=\"wp-block-heading\">Esamos paskolos mok\u0117jimo istorija<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbu suprasti, kaip \u012fmon\u0117 iki \u0161iol vykd\u0117 finansinius \u012fsipareigojimus ir kod\u0117l siekia refinansavimo.<\/p>\n\n\n\n<h3 id=\"refinansavimo-priezastis\" class=\"wp-block-heading\">Refinansavimo prie\u017eastis<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yra didelis skirtumas tarp situacij\u0173:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201enorime suma\u017einti finansavimo kain\u0105\u201c;<\/li>\n\n\n\n<li>\u201enorime ilgesnio termino, nes projektas u\u017etruko\u201c;<\/li>\n\n\n\n<li>\u201enebegalime vykdyti dabartini\u0173 \u012fsipareigojim\u0173\u201c.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Visais trimis atvejais kalbame apie refinansavim\u0105, ta\u010diau rizikos vertinimas bus visi\u0161kai skirtingas.<\/p>\n\n\n\n<h3 id=\"paskolos-grazinimo-saltinis\" class=\"wp-block-heading\">Paskolos gr\u0105\u017einimo \u0161altinis<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tai vienas svarbiausi\u0173 klausim\u0173.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naujas finansuotojas nor\u0117s suprasti, i\u0161 ko paskola galiausiai bus gr\u0105\u017einta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fmon\u0117s veiklos pinig\u0173 sraut\u0173;<\/li>\n\n\n\n<li>nekilnojamojo turto pardavimo;<\/li>\n\n\n\n<li>projekto generuojam\u0173 pajam\u0173;<\/li>\n\n\n\n<li>kito ai\u0161kiai pagr\u012fsto \u0161altinio.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pats b\u016bsimas refinansavimas netur\u0117t\u0173 b\u016bti vienintelis planas, kaip neribot\u0105 laik\u0105 prat\u0119sti esam\u0105 skol\u0105.<\/strong><\/p>\n\n\n\n<h3 id=\"uztikrinimo-priemones\" class=\"wp-block-heading\">U\u017etikrinimo priemon\u0117s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu paskola u\u017etikrinama nekilnojamuoju turtu, vertinama turto vert\u0117, likvidumas, LTV, hipoteka ir kitos su turtu susijusios aplinkyb\u0117s.<\/p>\n\n\n\n<h2 id=\"kokiu-dokumentu-gali-reiketi-refinansavimui\" class=\"wp-block-heading\">Koki\u0173 dokument\u0173 gali reik\u0117ti refinansavimui?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Be \u012fprast\u0173 verslo finansavimo dokument\u0173, refinansavimo atveju svarbi informacija apie jau turim\u0105 paskol\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prakti\u0161kai gali b\u016bti reikalingi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>galiojanti paskolos sutartis;<\/li>\n\n\n\n<li>aktualus paskolos likutis;<\/li>\n\n\n\n<li>mok\u0117jim\u0173 grafikas;<\/li>\n\n\n\n<li>informacija apie pal\u016bkanas ir kitus mokes\u010dius;<\/li>\n\n\n\n<li>i\u0161ankstinio paskolos gr\u0105\u017einimo s\u0105lygos;<\/li>\n\n\n\n<li>informacija apie esamas u\u017etikrinimo priemones;<\/li>\n\n\n\n<li>\u012fmon\u0117s finansin\u0117s ataskaitos;<\/li>\n\n\n\n<li>aktual\u016bs tarpiniai finansiniai duomenys;<\/li>\n\n\n\n<li>banko s\u0105skait\u0173 i\u0161ra\u0161ai;<\/li>\n\n\n\n<li>informacija apie kitus \u012fsipareigojimus;<\/li>\n\n\n\n<li>turto vertinimo ataskaita, jeigu paskola u\u017etikrinama NT;<\/li>\n\n\n\n<li>informacija apie planuojam\u0105 paskolos gr\u0105\u017einimo \u0161altin\u012f.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u010diau apie pasiruo\u0161im\u0105 finansavimui skaitykite Revestus gide <a href=\"https:\/\/revestus.lt\/r\/blog\/kokiu-dokumentu-reikia-verslo-paskolai\/\">\u201eKoki\u0173 dokument\u0173 reikia verslo paskolai?\u201c<\/a>.<\/p>\n\n\n\n<h2 id=\"kada-refinansuoti-paskolos-gali-neapsimoketi\" class=\"wp-block-heading\">Kada refinansuoti paskolos gali neapsimok\u0117ti?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Refinansavimas n\u0117ra universalus sprendimas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jis gali b\u016bti ekonomi\u0161kai nepagr\u012fstas, jeigu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>iki esamos paskolos termino pabaigos liko nedaug laiko;<\/li>\n\n\n\n<li>naujo finansavimo pal\u016bkanos ma\u017eesn\u0117s tik ne\u017eymiai;<\/li>\n\n\n\n<li>refinansavimo sandorio ka\u0161tai panaikina sutaupym\u0105;<\/li>\n\n\n\n<li>u\u017e paskolos gr\u0105\u017einim\u0105 anks\u010diau laiko taikomi reik\u0161mingi mokes\u010diai;<\/li>\n\n\n\n<li>naujoje sutartyje atsiranda papildom\u0173 verslui nepalanki\u0173 s\u0105lyg\u0173;<\/li>\n\n\n\n<li>refinansavimas tik atideda problem\u0105, ta\u010diau nepa\u0161alina jos prie\u017easties.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ypa\u010d atsargiai reik\u0117t\u0173 vertinti situacij\u0105, kai \u012fmon\u0117 ie\u0161ko refinansavimo tik tod\u0117l, kad nebeturi l\u0117\u0161\u0173 dabartinei paskolai aptarnauti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tokiu atveju pirmiausia reikia suprasti, <strong>ar verslas arba projektas generuos pakankamai l\u0117\u0161\u0173 naujam \u012fsipareigojimui \u012fvykdyti<\/strong>.<\/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 refinansavim\u0105 vertiname ne kaip tiksl\u0105 savaime, o kaip finansavimo strukt\u016bros pakeitim\u0105. Geras refinansavimo sandoris turi i\u0161spr\u0119sti konkret\u0173 verslo poreik\u012f \u2013 suma\u017einti finansavimo kain\u0105, geriau suderinti mok\u0117jimus su pinig\u0173 srautais, suteikti pakankamai laiko projektui u\u017ebaigti arba racionaliai konsoliduoti turimus \u012fsipareigojimus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vien termino prat\u0119simas n\u0117ra pakankamas pagrindas, jeigu n\u0117ra ai\u0161ku, i\u0161 koki\u0173 l\u0117\u0161\u0173 nauja paskola galiausiai bus gr\u0105\u017einta. Tod\u0117l vertinant refinansavim\u0105 svarbiausi klausimai yra ne tik \u201ekiek kainuos nauja paskola?\u201c, bet ir \u201ek\u0105 refinansavimas pakeis versle ir koks bus galutinis paskolos gr\u0105\u017einimo \u0161altinis?\u201c<\/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=\"eksperto-izvalga\" class=\"wp-block-heading\">Verslo paskolos refinansavimas per alternatyv\u0173 finansavim\u0105<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Verslo paskol\u0105 neb\u016btinai turi refinansuoti kitas bankas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Priklausomai nuo projekto pob\u016bd\u017eio ir rizikos, finansavim\u0105 gali teikti ir kiti finans\u0173 rinkos dalyviai, \u012fskaitant sutelktinio finansavimo paslaug\u0173 teik\u0117jus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alternatyvus finansavimas gali b\u016bti aktualus, kai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reikalingas individualus sandorio strukt\u016bravimas;<\/li>\n\n\n\n<li>paskola u\u017etikrinama nekilnojamuoju turtu;<\/li>\n\n\n\n<li>finansavimas susij\u0119s su konkre\u010diu NT projektu;<\/li>\n\n\n\n<li>reikalingas trumpesnis ar pereinamasis finansavimo laikotarpis;<\/li>\n\n\n\n<li>refinansavimas derinamas su papildomu finansavimo poreikiu.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Svarbu vertinti ne vien tai, <strong>kas suteikia paskol\u0105<\/strong>, bet ir visas si\u016blomo finansavimo s\u0105lygas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu norite geriau suprasti bendr\u0105 finansavimo proces\u0105, skaitykite gid\u0105 <a href=\"https:\/\/revestus.lt\/r\/blog\/blog-kaip-gauti-paskola-verslui\/\">\u201eKaip gauti paskol\u0105 verslui?\u201c<\/a>.<\/p>\n\n\n\n<h2 id=\"kaip-pasiruosti-verslo-paskolos-refinansavimui\" class=\"wp-block-heading\">Kaip pasiruo\u0161ti verslo paskolos refinansavimui?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kad verslo paskolos refinansavimas b\u016bt\u0173 \u012fvertintas skland\u017eiai, verta i\u0161 anksto pasiruo\u0161ti informacij\u0105 apie esam\u0105 paskol\u0105, jos likut\u012f, u\u017etikrinimo priemones ir planuojam\u0105 gr\u0105\u017einimo \u0161altin\u012f. Prie\u0161 kreipiantis \u012f nauj\u0105 finansuotoj\u0105 verta atsakyti \u012f penkis klausimus:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Koks tikslus refinansuojamos paskolos likutis?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Kiek kainuot\u0173 paskol\u0105 gr\u0105\u017einti \u0161iandien?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Koki\u0105 konkre\u010di\u0105 problem\u0105 turi i\u0161spr\u0119sti refinansavimas?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Kok\u012f turt\u0105 ar kitas u\u017etikrinimo priemones galima pasi\u016blyti?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. I\u0161 kokio \u0161altinio bus galutinai gr\u0105\u017einta nauja paskola?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu \u012f \u0161iuos klausimus galima atsakyti ai\u0161kiai, finansuotojui bus gerokai lengviau suprasti refinansavimo logik\u0105 ir \u012fvertinti projekt\u0105.<\/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 verslo paskolos refinansavimas?<\/div><meta itemprop=\"name\" content=\"Kas yra verslo paskolos refinansavimas?\"\/><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\">Tai esamos verslo paskolos ar keli\u0173 finansini\u0173 \u012fsipareigojim\u0173 padengimas naujo finansavimo l\u0117\u0161omis. Nauja paskola gali tur\u0117ti kit\u0105 termin\u0105, pal\u016bkan\u0173 norm\u0105, mok\u0117jimo grafik\u0105 ar u\u017etikrinimo strukt\u016br\u0105.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-5ca21eb gsclose\" id=\"gspb_accordionitem-gsbp-5ca21eb\" 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-5ca21eb\"><div class=\"gs-accordion-item__heading\">Ar galima refinansuoti paskol\u0105 su nekilnojamojo turto \u012fkeitimu?<\/div><meta itemprop=\"name\" content=\"Ar galima refinansuoti paskol\u0105 su nekilnojamojo turto \u012fkeitimu?\"\/><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-5ca21eb\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Taip. Tokiu atveju reikia \u012fvertinti esam\u0105 hipotek\u0105, turto vert\u0119, suvar\u017eymus, LTV ir suderinti ankstesnio bei naujo finansavimo u\u017etikrinimo strukt\u016br\u0105.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-ebd7b67 gsclose\" id=\"gspb_accordionitem-gsbp-ebd7b67\" 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-ebd7b67\"><div class=\"gs-accordion-item__heading\">Ar refinansuojant galima gauti papildom\u0173 l\u0117\u0161\u0173?<\/div><meta itemprop=\"name\" content=\"Ar refinansuojant galima gauti papildom\u0173 l\u0117\u0161\u0173?\"\/><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-ebd7b67\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Kai kuriais atvejais taip. Tai priklauso nuo \u012fmon\u0117s finansin\u0117s b\u016bkl\u0117s, projekto, turto vert\u0117s, LTV ir finansuotojo taikom\u0173 kriterij\u0173. Papildoma suma vertinama kaip papildomas finansavimo poreikis.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-5c6a1ab gsclose\" id=\"gspb_accordionitem-gsbp-5c6a1ab\" 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-5c6a1ab\"><div class=\"gs-accordion-item__heading\">Ar refinansavimas visada suma\u017eina pal\u016bkanas?<\/div><meta itemprop=\"name\" content=\"Ar refinansavimas visada suma\u017eina pal\u016bkanas?\"\/><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-5c6a1ab\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Ne. Refinansavimo tikslas gali b\u016bti ir ilgesnis terminas, ma\u017eesn\u0117 periodin\u0117 \u012fmoka, keli\u0173 paskol\u0173 sujungimas ar tinkamesn\u0117 finansavimo strukt\u016bra.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-ebdb19b gsclose\" id=\"gspb_accordionitem-gsbp-ebdb19b\" 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-ebdb19b\"><div class=\"gs-accordion-item__heading\">Ar galima refinansuoti kelias verslo paskolas \u012f vien\u0105?<\/div><meta itemprop=\"name\" content=\"Ar galima refinansuoti kelias verslo paskolas \u012f vien\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-ebdb19b\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Taip, jeigu naujas finansuotojas sutinka refinansuoti visus atitinkamus \u012fsipareigojimus ir \u012fmon\u0117s finansin\u0117 situacija bei u\u017etikrinimo priemon\u0117s leid\u017eia suformuoti toki\u0105 paskol\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-5\" 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\">Kiek kainuoja verslo paskolos refinansavimas?<\/div><meta itemprop=\"name\" content=\"Kiek kainuoja verslo paskolos refinansavimas?\"\/><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-11dded8\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p class=\"wp-block-paragraph\">Kaina priklauso nuo konkretaus sandorio. Reikia vertinti ne tik naujos paskolos pal\u016bkanas, bet ir sutarties sudarymo, esamos paskolos i\u0161ankstinio gr\u0105\u017einimo, turto vertinimo, hipotekos ir kitas galimas i\u0161laidas.<\/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-6\" 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 galima refinansuoti paskol\u0105, jeigu \u012fmon\u0117 v\u0117luoja mok\u0117ti \u012fmokas?<\/div><meta itemprop=\"name\" content=\"Ar galima refinansuoti paskol\u0105, jeigu \u012fmon\u0117 v\u0117luoja mok\u0117ti \u012fmokas?\"\/><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-6\" 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 class=\"wp-block-paragraph\">Tai priklauso nuo konkre\u010dios situacijos. Mok\u0117jim\u0173 v\u0117lavimai yra svarbi informacija finansuotojui ir gali reik\u0161mingai paveikti rizikos vertinim\u0105. Tokiu atveju ypa\u010d svarbu pagr\u012fsti, kod\u0117l kilo sunkum\u0173 ir kaip naujas finansavimas pad\u0117t\u0173 juos i\u0161spr\u0119sti.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/section>\n\n\n\n<h2 id=\"isvada-kada-verslo-paskolos-refinansavimas-yra-racionalus\" class=\"wp-block-heading\">I\u0161vada: kada verslo paskolos refinansavimas yra racionalus?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Verslo paskolos refinansavimas<\/strong> gali b\u016bti naudingas, kai naujas finansavimas suteikia ai\u0161ki\u0105 ekonomin\u0119 arba strukt\u016brin\u0119 naud\u0105 verslui.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tai gali b\u016bti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ma\u017eesn\u0117 bendra finansavimo kaina;<\/li>\n\n\n\n<li>tinkamesnis paskolos terminas;<\/li>\n\n\n\n<li>ma\u017eesn\u0117 periodin\u0117 finansin\u0117 na\u0161ta;<\/li>\n\n\n\n<li>keli\u0173 paskol\u0173 konsolidavimas;<\/li>\n\n\n\n<li>galimyb\u0117 u\u017ebaigti projekt\u0105;<\/li>\n\n\n\n<li>papildomo finansavimo gavimas kartu su esamos paskolos padengimu.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u010diau refinansavimo nereik\u0117t\u0173 vertinti tik pagal si\u016blom\u0105 pal\u016bkan\u0173 norm\u0105. Reikia palyginti visas i\u0161laidas, termin\u0105, mok\u0117jim\u0173 grafik\u0105, u\u017etikrinimo priemones ir, svarbiausia, \u012fvertinti, i\u0161 koki\u0173 l\u0117\u0161\u0173 nauja paskola bus galutinai gr\u0105\u017einta.<\/p>\n\n\n\n<h2 id=\"svarstote-apie-verslo-paskolos-refinansavima\" class=\"wp-block-heading\">Svarstote apie verslo paskolos refinansavim\u0105?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jeigu j\u016bs\u0173 \u012fmon\u0117 turi esam\u0105 paskol\u0105 ir svarstote galimyb\u0119 j\u0105 refinansuoti, galite pateikti finansavimo u\u017eklaus\u0105 <strong>Revestus<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vertindami projekt\u0105 atsi\u017evelgsime \u012f esamos paskolos strukt\u016br\u0105, \u012fmon\u0117s finansin\u0119 situacij\u0105, si\u016blomas u\u017etikrinimo priemones, nekilnojamojo turto vert\u0119, LTV ir planuojam\u0105 paskolos gr\u0105\u017einimo \u0161altin\u012f.<\/p>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-3d128bc\" id=\"gspb_button-id-gsbp-3d128bc\"><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                <div class=\"ml-embedded\" data-form=\"ESJW2J\"><\/div>\n            \n","protected":false},"excerpt":{"rendered":"<p>Verslo finansavimo poreikiai ir galimyb\u0117s laikui b\u0117gant kei\u010diasi. Paskola, kurios s\u0105lygos buvo tinkamos prie\u0161 kelerius metus, \u0161iandien gali b\u016bti per brangi, jos terminas \u2013 per trumpas, o gr\u0105\u017einimo grafikas \u2013 nebeatitikti \u012fmon\u0117s pinig\u0173 sraut\u0173. Tokiais atvejais viena i\u0161 galimybi\u0173 yra verslo paskolos refinansavimas. Refinansavimas rei\u0161kia, kad nauja paskola panaudojama esamam finansiniam \u012fsipareigojimui arba keliems \u012fsipareigojimams [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9910030,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"#gspb_image-id-gsbp-ef2582b 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 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