{"id":11234,"date":"2025-10-15T12:42:42","date_gmt":"2025-10-15T10:42:42","guid":{"rendered":"https:\/\/spinter.lt\/?p=11234"},"modified":"2025-12-17T12:44:02","modified_gmt":"2025-12-17T10:44:02","slug":"kai-netiketai-prireikia-pinigu-tyrimas-atskleide-kur-lietuvos-gyventojai-tokiais-atvejais-ju-iesko","status":"publish","type":"post","link":"https:\/\/spinter.lt\/en\/kai-netiketai-prireikia-pinigu-tyrimas-atskleide-kur-lietuvos-gyventojai-tokiais-atvejais-ju-iesko\/","title":{"rendered":"Kai netik\u0117tai prireikia pinig\u0173: tyrimas atskleid\u0117, kur Lietuvos gyventojai tokiais atvejais j\u0173 ie\u0161ko"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"11234\" class=\"elementor elementor-11234\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"wd-negative-gap elementor-element elementor-element-5b5d1326 e-flex e-con-boxed e-con e-parent\" data-id=\"5b5d1326\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-790b9f48 color-scheme-inherit text-left elementor-widget elementor-widget-text-editor\" data-id=\"790b9f48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Ko imasi Lietuvos gyventojai, kai netik\u0117tai sugenda automobilis, pa\u0161lyja sveikata ar staiga prireikia pinig\u0173 kitoms nenumatytoms i\u0161laidoms? Nauja apklausa parod\u0117, jog did\u017eioji gyventoj\u0173 dalis netik\u0117tas i\u0161laidas sugeba padengti i\u0161 santaup\u0173, kas penktas link\u0119s skolintis i\u0161 draug\u0173 ar kredito \u012fstaig\u0173, o dar 20 proc. \u017emoni\u0173 su tokiomis situacijomis apskritai nesusiduria.\u00a0<\/strong><\/p><p>\u201eUrbo\u201c banko u\u017esakymu bendrov\u0117s \u201eSpinter tyrimai\u201c rugs\u0117jo pabaigoje atlikta apklausa atskleid\u0117, kad beveik du tre\u010ddaliai, arba 60 proc., Lietuvos gyventoj\u0173 neplanuotas i\u0161laidas padengia i\u0161 asmenini\u0173 santaup\u0173. Dar 19,5 proc. netik\u0117t\u0173 i\u0161laid\u0173 paprastai nepatiria. Likusieji pinig\u0173 ie\u0161ko kitais b\u016bdais: 14,5 proc. skolinasi i\u0161 draug\u0173 ar giminai\u010di\u0173, o 6 proc. \u2013 i\u0161 bank\u0173 ar kit\u0173 kredito \u012fstaig\u0173.<\/p><p><strong>Moterys da\u017eniau naudoja santaupas, vyrai \u2013 skolinasi i\u0161 artim\u0173j\u0173\u00a0<\/strong><\/p><p>\u201eApklausa atskleid\u0117, kad pakankamai didel\u0117 dalis Lietuvos gyventoj\u0173 turi susitaup\u0119 u\u017etektinai l\u0117\u0161\u0173 padengti net ir netik\u0117toms i\u0161laidoms. Tai leid\u017eia daryti i\u0161vad\u0105 ne tik apie ger\u0117jan\u010di\u0105 finansin\u0119 situacij\u0105, bet ir apie didesn\u012f finansin\u012f ra\u0161tingum\u0105 bei asmeninio ar \u0161eimos biud\u017eeto planavim\u0105\u201c, \u2013 sako \u201eUrbo\u201c banko Verslo tarnybos direktorius Julius Iva\u0161ka.<\/p><p>Apklausos rezultatai rodo, kad nenumatytas i\u0161laidas i\u0161 santaup\u0173 da\u017eniau dengia moterys \u2013 \u0161\u012f variant\u0105 pasirinko beveik 63 proc. moter\u0173, palyginti su 56 proc. vyr\u0173. Pastarieji da\u017eniau kreipiasi \u012f draugus ar giminai\u010dius \u2013 i\u0161 j\u0173 skolinasi 17 proc. vyr\u0173 ir 12 proc. moter\u0173.<\/p><p>\u201eI\u0161 artim\u0173j\u0173 da\u017eniau skolinamasi ir jaunyst\u0117je: beveik 28 proc. 18\u201325 m. am\u017eiaus respondent\u0173, staiga prireikus papildom\u0173 pinig\u0173, kreipiasi b\u016btent \u012f draugus ir giminai\u010dius. O 36\u201345 m. am\u017eiaus grup\u0117je toki\u0173 jau lieka tik ma\u017edaug vienas i\u0161 de\u0161imties\u201c, \u2013 pastebi J. Iva\u0161ka.<\/p><p><strong>Auk\u0161tesnis i\u0161silavinimas \u2013 daugiau finansin\u0117s atsakomyb\u0117s?\u00a0<\/strong><\/p><p>Apklausa parod\u0117, kad neplanuot\u0173 i\u0161laid\u0173 padengimo b\u016bdai koreliuoja ir su i\u0161silavinimu. Net 70 proc. auk\u0161t\u0105j\u012f i\u0161silavinim\u0105 turin\u010di\u0173 apklaust\u0173j\u0173 nurod\u0117, kad netik\u0117tas i\u0161laidas dengia i\u0161 santaup\u0173. O tarp neturin\u010di\u0173j\u0173 vidurinio i\u0161silavinimo j\u0173 procentas ma\u017e\u0117ja beveik dvigubai \u2013 iki 43 proc.<\/p><p>\u201eAuk\u0161t\u0105j\u012f i\u0161silavinim\u0105 turintys gyventojai da\u017enai skiria daugiau d\u0117mesio asmenini\u0173 finans\u0173 valdymui, yra link\u0119 planuoti savo asmenin\u012f ar \u0161eimos biud\u017eet\u0105 bei tur\u0117ti \u201epagalv\u0119\u201c netik\u0117toms gyvenimo situacijoms\u201c, \u2013 pastebi J. Iva\u0161ka.<\/p><p>Planavimas, asmeninio biud\u017eeto valdymas ir finansinis ra\u0161tingumas, J. Iva\u0161kos teigimu, reikalingi ir atsakingai skolinantis.<\/p><p>\u201eI\u0161manydami savo finansin\u0119 situacij\u0105 ir atsakingai valdydami pajam\u0173 srautus galime priimti tinkamiausi\u0105 sprendim\u0105 i\u0161tikus netik\u0117tai situacijai. Galb\u016bt tai gali b\u016bti ir trumpalaik\u0117 artimo \u017emogaus pagalba ar atsakingai paimta paskola, leid\u017eianti i\u0161saugoti bent dal\u012f turim\u0173 santaup\u0173 ir finansinius \u012fsipareigojimus padengti palaipsniui\u201d, \u2013 sako J. Iva\u0161ka.<\/p><p>Jis pastebi, kad sud\u0117tingoje situacijoje svarbu kreiptis tik \u012f patikimas finans\u0173 \u012fstaigas ir jokiu b\u016bdu neu\u017ekibti ant nusikalt\u0117li\u0173 kabliuko bei j\u0173 si\u016blom\u0173 \u201e\u012fsp\u016bding\u0173 investicini\u0173 galimybi\u0173\u201c.<\/p><p>Visuomen\u0117s nuomon\u0117s tyrim\u0173 bendrov\u0117 \u201eSpinter tyrimai\u201c Lietuvos gyventojus apie neplanuotas i\u0161laidas apklaus\u0117 rugs\u0117jo 17\u201330 dienomis. Apklausoje dalyvavo 1017 respondent\u0173 nuo 18 iki 75 met\u0173 am\u017eiaus.<\/p><p>\u0160altinis: Urbo.lt<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ko imasi Lietuvos gyventojai, kai netik\u0117tai sugenda automobilis, pa\u0161lyja sveikata ar staiga prireikia pinig\u0173 kitoms nenumatytoms i\u0161laidoms? Nauja apklausa parod\u0117,<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-11234","post","type-post","status-publish","format-standard","hentry","category-be-kategorijos-lt"],"_links":{"self":[{"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/posts\/11234","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/comments?post=11234"}],"version-history":[{"count":0,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/posts\/11234\/revisions"}],"wp:attachment":[{"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/media?parent=11234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/categories?post=11234"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/tags?post=11234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}