{"id":9982,"date":"2024-05-20T13:44:55","date_gmt":"2024-05-20T11:44:55","guid":{"rendered":"https:\/\/spinter.lt\/?p=9982"},"modified":"2024-06-06T13:46:26","modified_gmt":"2024-06-06T11:46:26","slug":"tyrimas-gyventojai-nusiteike-optimistiskai-bet-islaidauti-siemet-neplanuoja-taupyti-skatina-ir-augusios-indeliu-palukanos","status":"publish","type":"post","link":"https:\/\/spinter.lt\/en\/tyrimas-gyventojai-nusiteike-optimistiskai-bet-islaidauti-siemet-neplanuoja-taupyti-skatina-ir-augusios-indeliu-palukanos\/","title":{"rendered":"Tyrimas: gyventojai nusiteik\u0119 optimisti\u0161kai, bet i\u0161laidauti \u0161iemet neplanuoja \u2013 taupyti skatina ir augusios ind\u0117li\u0173 pal\u016bkanos"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"9982\" class=\"elementor elementor-9982\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"wd-negative-gap elementor-section elementor-top-section elementor-element elementor-element-51a5d1c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51a5d1c9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24a8575d\" data-id=\"24a8575d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b6e259a color-scheme-inherit text-left elementor-widget elementor-widget-text-editor\" data-id=\"3b6e259a\" 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 class=\"text-justify\"><em>GENERAL FINANCING BANKO u\u017esakymu atlikto tyrimo duomenimis, optimisti\u0161kai i\u0161 finansin\u0117s perspektyvos 2024 metus vertino net 72\u00a0proc. respondent\u0173. Nepaisant to, tik 22\u00a0proc. apklaust\u0173j\u0173 savo i\u0161laidas \u0161iemet planuoja \u012fprastai, tuo tarpu 70 proc. gyventoj\u0173 neb\u016btinas i\u0161laidas ruo\u0161iasi riboti, o 8\u00a0proc. mano, kad \u0161iais metais teks gerokai susiver\u017eti dir\u017eus.<\/em><\/p><p class=\"text-justify\"><strong>Tre\u010ddalis respondent\u0173 atsideda iki de\u0161imtadalio \u0161eimos biud\u017eeto<\/strong><\/p><p class=\"text-justify\">Pandemija, tre\u010dius metus vykstantis karas Ukrainoje bei infliacija paskatino Lietuvos gyventojus galvoti apie saugios finansin\u0117s pagalv\u0117s tur\u0117jim\u0105. Tyrimas atskleid\u0117, kad absoliuti dauguma gyventoj\u0173 \u2013 net 81 proc. \u2013 dal\u012f savo pajam\u0173 skiria santaupoms ir da\u017eniausiai atsideda 5-10\u00a0proc. \u0161eimos biud\u017eeto.<\/p><p class=\"text-justify\">\u201eIlgus metus vyravusios ypa\u010d ma\u017eos pal\u016bkan\u0173 normos buvo atpratinusios gyventojus nuo terminuot\u0173j\u0173 ind\u0117li\u0173, ta\u010diau situacija pasikeit\u0117. Tai rodo ir GENERAL FINANCING BANKO ind\u0117li\u0173 portfelis, kuris per 2023 metus i\u0161augo 31 proc.<\/p><p class=\"text-justify\">Gyventojai supranta, kad nenumatytiems gyvenimo atvejams b\u016btina tur\u0117ti likvid\u017ei\u0105 3-6 m\u0117nesi\u0173 i\u0161laid\u0173 sumos finansin\u0119 pagalv\u0119. Namuose ar banko s\u0105skaitoje laikomi pinigai d\u0117l infliacijos nuvert\u0117ja, tod\u0117l juos verta laikyti taupomojoje s\u0105skaitoje bei kaupti pal\u016bkanas, o kitas l\u0117\u0161as, kuri\u0173 greitu metu neprireiks, saugiai taupyti terminuotame ind\u0117lyje ilgesniu laikotarpiu\u201c, \u2013 kalba GENERAL FINANCING BANKO generalinis direktorius Justinas Muleika.<\/p><p class=\"text-justify\">Beveik tre\u010ddalis (29 proc.) respondent\u0173, dal\u012f pajam\u0173 skirian\u010di\u0173 santaupoms, atideda 5-10\u00a0proc. \u0161eimos biud\u017eeto \u2013 da\u017eniau tai didesni\u0173 pajam\u0173, didmies\u010diuose ir rajon\u0173 centruose gyvenantys \u017emon\u0117s. 18\u00a0proc. taupan\u010di\u0173j\u0173, da\u017eniau auk\u0161\u010diausio i\u0161simokslinimo tyrimo dalyviai, atideda 10-20\u00a0proc. \u0161eimos biud\u017eeto, o de\u0161imtadalis \u2013 daugiau nei 20\u00a0proc. biud\u017eeto.<\/p><p class=\"text-justify\">Penktadalis (19\u00a0proc.) apklaust\u0173j\u0173 nurod\u0117, kad taupymui skiria ma\u017eiau negu 5\u00a0proc. \u0161eimos biud\u017eeto, dar 19\u00a0proc. nurodo, kad netaupo. Da\u017eniau netaupantys tyrimo metu sak\u0117 ma\u017eesni\u0173 ir vidutini\u0173 pajam\u0173 apklaustieji.<\/p><p class=\"text-justify\"><strong>\u017dino apie taupom\u0105j\u0105 s\u0105skait\u0105<\/strong><\/p><p class=\"text-justify\">Tyrimas taip pat atskleid\u0117, kad 57\u00a0proc. respondent\u0173 \u017einojo, kad rinkoje yra tokia taupymo priemon\u0117 kaip taupomoji s\u0105skaita, kurioje galima kaupti pinigus ir gauti pal\u016bkanas.<\/p><p class=\"text-justify\">Taupomoji s\u0105skaita nuo terminuot\u0173j\u0173 ind\u0117li\u0173 skiriasi tuo, kad j\u0105 galima bet kada papildyti, o prireikus \u2013 santaupas pasiimti, nenutraukiant sutarties. Be to, taupomosios s\u0105skaitos sutartis neterminuota, tad n\u0117ra ilgalaiki\u0173 \u012fsipareigojim\u0173.<\/p><p class=\"text-justify\">J. Muleika sako, kad GENERAL FINANCING BANKE pal\u016bkanos taupomojoje s\u0105skaitoje mokamos nuo pat pirmojo euro. Taip pat l\u0117\u0161as iki trij\u0173 kart\u0173 per m\u0117nes\u012f galima i\u0161siimti neprarandant pal\u016bkan\u0173 u\u017e einam\u0105j\u012f m\u0117nes\u012f \u2013 toks apribojimas suteikia laisv\u0119 i\u0161siimti l\u0117\u0161\u0173, kai j\u0173 prireikia, ta\u010diau padeda per da\u017enai nejudinti taupymui skirtos sumos ir nuosekliai taupyti.<\/p><p class=\"text-justify\">Terminuot\u0173j\u0173 ind\u0117li\u0173 sutartis, skirtingai nei taupomosios s\u0105skaitos, yra fiksuota, ta\u010diau pal\u016bkan\u0173 norma paprastai b\u016bna didesn\u0117 nei taupomosios s\u0105skaitos ir fiksuojama visam terminui.<\/p><p>\u201eJei Europos centrinis bankas ma\u017eint\u0173 pal\u016bkan\u0173 normas ir rinkoje ind\u0117li\u0173 pal\u016bkan\u0173 normos ma\u017e\u0117t\u0173, ind\u0117lio pal\u016bkan\u0173 norma nesikeis vis\u0105 sutarties laikotarp\u012f ir u\u017etikrins klientui u\u017eaugusias santaup\u0173 pal\u016bkanas pasibaigus terminui\u201c, \u2013 kalba J.\u00a0Muleika.<\/p><p class=\"text-justify\">\u0160iuo metu, banko 4 gimtadienio proga, GENERAL FINANCING BANKAS si\u016blo metines 4 proc. ind\u0117li\u0173 pal\u016bkanas sudarant terminuotojo ind\u0117lio sutart\u012f ne ma\u017eesnei nei 1000 Eur sumai, fiksuotas net 4 met\u0173 laikotarpiui. Pal\u016bkanos i\u0161mokamos terminuotojo ind\u0117lio sutarties pabaigoje.<\/p><p class=\"text-justify\"><strong>Apie tyrim\u0105<\/strong><\/p><p class=\"text-justify\">GENERAL FINANCING BANKO u\u017esakymu atlikto tyrimo metu apklausti 1009 respondentai nuo 18 iki 75 met\u0173 am\u017eiaus visoje \u0161alies teritorijoje, naudojant kombinuot\u0105 metod\u0105: CATI (Computer Assisted Telephone Interview) ir CAWI (Computer Assisted WEB Interview). Tyrim\u0105 2024 m. kovo 18-28 dienomis atliko rinkos ir visuomen\u0117s nuomon\u0117s tyrim\u0173 kompanija \u201eSpinter tyrimai\u201c.<\/p><p>\u0160altinis: gfbankas.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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>GENERAL FINANCING BANKO u\u017esakymu atlikto tyrimo duomenimis, optimisti\u0161kai i\u0161 finansin\u0117s perspektyvos 2024 metus vertino net 72\u00a0proc. respondent\u0173. Nepaisant to, tik<\/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-9982","post","type-post","status-publish","format-standard","hentry","category-be-kategorijos-lt"],"_links":{"self":[{"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/posts\/9982","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=9982"}],"version-history":[{"count":0,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/posts\/9982\/revisions"}],"wp:attachment":[{"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/media?parent=9982"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/categories?post=9982"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/spinter.lt\/en\/wp-json\/wp\/v2\/tags?post=9982"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}