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Paskolos ir jų tipai. Ką verta žinoti kiekvienam?

Artūras Anužis, tv3.lt naujienų ir pramogų portalo vyr. redaktorius | 2017-05-12 | Rinkos aktualijos | perskaitė: 75054
Raktiniai žodžiai: Paskolos
Paskolos ir jų tipai. Ką verta žinoti kiekvienam? Paskolos ir jų tipai. Ką verta žinoti kiekvienam?

Paskolas teikiančių finansinių įmonių daugybė: bankai, kredito unijos, paskolų bankai, greitųjų kreditų bendrovės ar net lombardai. Visgi kiekviena paskola skirtinga, ir su savimi nešasi skirtingą rizikos lygį.

Paskolų gali būti įvairiausių: būsto paskolos, vartojimo paskolos, paskolos internetu, paskolos su užstatu, verslo paskolos ir lombardinės paskolos. Be to, gali būti ilgalaikės ir trumpalaikės paskolos.

Visų paskolų išdavimą Lietuvoje reglamentuoja Vartojimo kredito įstatymas ir Su nekilnojamuoju turtu susijusio kredito įstatymas, kuris įsigalios jau nuo šių metų liepos 1 d.

Kurios paskolos rizikingiausios?

Lietuvos banko priežiūros tarnybos Finansinių paslaugų ir rinkų analizės skyriaus specialistė Aistė Tavorė teigia, bet kokių finansinių paslaugų rizikingumas labai priklauso nuo to, ar finansinė paslauga yra reglamentuota teisės aktais ir ar yra nustatytos tam tikros teisės ir apsaugos paslaugos gavėjams ir nuo to, ar finansinę paslaugą teikia prižiūrimas, licencijuotas subjektas.

Pavyzdžiui, fiziniams asmenims išduodamos paskolos yra griežčiau prižiūrimos: vartojimo kreditų teikimo veiklą griežtai reglamentuoja Vartojimo kredito įstatymas, o būsto kreditų reglamentavimas įsigalios jau nuo 2017 m. liepos 1 d. ir taip pat bus prižiūrimi Lietuvos banko.

„Vartotojams pirmiausiai yra rekomenduojama įsitikinti, kad paskolos davėjas turi teisę verstis šia veikla ir yra prižiūrimas Lietuvos banko. Taip pat, atkreipiame dėmesį, kad paskolų teikimas, įskaitant paskolas skirtas vartojimui su nekilnojamo turto įkeitimu šiuo metu nėra Lietuvos banko prižiūrima ir kontroliuojama, todėl vartotojų teisės ir pareigos užtikrinamos tik pasirašyta sutartimi“, - teigia ji.

Anot A. Tavorės, paskolos internetu gali būti laikomos rizikingesnėmis nei sudarytos klientų aptarnavimo centre, nes žmogus turi daugiau laiko pagalvoti prieš prisiimdamas finansinius įsipareigojimus. Dėl to yra įvesti saugikliai, kurie leidžia ir norintiems internetu pasiimti paskolą geriau apsvarstyti savo sprendimą.

„Sudaryti sutartį internetu galima impulsyviai, neapgalvotai, tokios sutartys yra lengvai pasiekiamos ir gali būti itin greitai sudaromos. Siekiant išvengti neapgalvotai sudarytų sutarčių, Vartojimo kredito įstatyme yra įteisintas dviejų dienų apsisprendimo laikotarpis, t.y. per dvi dienas vartojimo kredito gavėjas, nenurodydamas priežasties, gali atsisakyti vartojimo kredito sutarties ir grąžinti vartojimo kredito davėjui arba paskolos davėjui jam išmokėtą vartojimo kredito sumą nemokėdamas palūkanų ir jokių kitų mokesčių, išlaidų ar kompensacijų“, - informuoja A. Tavorės.

O štai vartojimo kreditus teikia ir bankai ir greitųjų kreditų įmonės, tačiau pastarųjų palūkanos – aukštesnės. Pavyzdžiui, banke metinė vartojimo paskolos palūkanų norma svyruoja 10-16 proc., o greitųjų kreditų bendrovėse gali siekti ir 80 proc. Tiesa, pastarosiose išduodamos ir mažesnės sumos nei bankuose.

Pasak A. Tavorės, anksčiau greitųjų kreditų bendrovės turėjo konkurencinį pranašumą dėl vartojimo kreditų teikimo greičio, naudodami išimtinai tik nuotolines komunikacines priemones (kreditus teikia internetu, telefonu), tačiau dabar bankai sparčiai juos vejasi, ir deda pastangas, kad kreditai būtų suteikiami operatyviau, todėl konkurencija vartojimo kredito rinkoje didėja.

Prie rizikingesnių priskiriamos ir paskolos su užstatu, nes skolos išieškojimas iš įkeisto turto yra lengvesnis ir greitesnis kreditoriui, o asmuo gali greitai patirti reikšmingų nuostolių.

„Ypač rizikingomis laikytume paskolas už kurias yra pasirašytas vekselis, nes kredito gavėjas iš esmės praranda galimybę ginčyti skolą. Vartotojai turėtų atkreipti dėmesį į tai, kad tuo atveju, jeigu kredito gavėjas (vekselio davėjas) vekselyje nustatytu terminu paprastojo vekselio neapmoka (negrąžina pasiskolintų pinigų), kreditoriui nebereikia kreiptis į teismą dėl skolos priteisimo, o tiesiog įstatymo nustatytais terminais ir tvarka kreiptis į notarą dėl vekselio užprotestavimo (jeigu vekselio davėjas nėra atleidęs nuo šios pareigos) ir vykdomojo įrašo padarymo. Turėdamas notaro padarytą vykdomąjį įrašą vekselyje, kredito davėjas gali kreiptis tiesiogiai į antstolius dėl skolos išieškojimo, o kredito gavėjas iš esmės praranda galimybę ginčyti skolą“, - primena A. Tavorė.

Lietuvos bankų klientų asociacijos prezidentas Rūtenis Paukštė mano, kad dabar paskolas pasiimti yra daug saugiau, tačiau tobulėti yra kur. O svarbiausia, skaityti tai, ką pasirašote bankuose.

„Bendras vaizdas toks, kad iki tobulumo pas mus toli. Dabar kaip tik bankai rengia, kai kurie parengė naujas sutartis, pagal naujus paskolų reikalavimus, kurie nuo vasaros vidurio įsigalios. Ir tos naujos sutartys, įtariame, bus žmonėms nesuprantamos, labai ilgos ir toli gražu ne tokios kaip Skandinavijos šalyse. Mes kaltiname žmones, kad jie sutarčių neskaito, bet jos praktiškai neperskaitomos.

Net pagal prigimtį, bankai vis tiek savo sutarčių neleidžia peržiūrėti ir visuomeninės organizacijos jų nevertina. Valstybinė vartotojų apsaugos tarnyba ji eina iš paskos, bankai parašo sutartis, o tarnyba tik po to, sulaukusi skundų iš inercijos praėjus ilgam laikui ima peržiūrėti ir bankams davinėti pastabas. Tai ta sistema sutarčių vertinimo pas mus yra keistina.

Bendrąja prasme, padėtis gal ir gerėja, bet tikrai toli nuo norimos, nuo siekiamos“, - sako jis.

Paklaustas apie greituosius kreditus atsako, kad reikia pripažinti, jog tos vadinamos greitųjų kreditų paskolos dabar dalinamos atsakingiau.

„Tikrai bent jau žmonės identifikuojami, ko anksčiau nebūdavo stengiamasi, todėl turėjome daug nusiskundimų, dabar jų sumažėję. Greitų vartojamųjų paskolų reikalavimai atsiradę nemaži ir tai veikia pozityviai“, - sako jis.
Taip pat R. Paukštė prideda, kad vartojimo sutartys paprastesnės, išskyrus su įkeitimais.
„Apsidraudimai dideli ir žmonės net apsiskaitę praranda ir butus pasiskolinę nedideles sumas. Arba jiems nepaaiškina, arba neįsigilina. Žmogus nustatomas, o toliau tavo problema, jeigu išsilavinimo trūksta, jis lengvabūdiškai besielgdamas patenka į spąstus.


Bankas parašęs sutartį pirmiausia apsidraudžia save, klientas antraeilis. Niekas iš kliento pusės neparašo, kad mes patikriname iš jo pozicijos ir ji lygiateisė, kad nėra perteklinių reikalavimų ir pan. Yra tikrai problema ir ta juridinė kalba. Mes gi matome, kad ta sutartis 10 psl. mažiausiai. Ji parašyta taip, kad žmogus be specialaus išsilavinimo jos negali suprasti ir įvertinti“, - didžiausią problemą ir riziką įvardija jis.


Kaip šios paskolos prižiūrimos?

Lietuvos banko priežiūros tarnybos Finansinių paslaugų ir rinkų analizės skyriaus specialistė Aistė Tavorė pasakoja, kuo šios paskolos skiriasi ir koks jų reguliavimas.


Štai naujasis su nekilnojamuoju turtu susijęs kredito įstatymas bus taikomas, pavyzdžiui, tokioms kredito sutartims, kurios susijusios su nekilnojamojo turto įkeitimu. Pasak Lietuvos banko klientų asociacijos prezidento Rūtenio Paukštės, šis įstatymas apsaugos imančius paskolą su būsti įkeitimu.


„Nuo vasaros vidurio, liepos mėnesio, NT kreditai su įkeitimu keisis. Ten jau bus tam tikrų apsidraudimų, jei be žmogaus kaltės nuvertėjo jo NT vertė, jis nebebus skolingas ir nebebus galima reikalauti papildomų užstatų. Tai, kas vyko pas mus per krizę, dėl ko ypatingai kentėdavo žmonės, nes jiems sakydavo tavo turtas nuvertėjo, įkeiskite papildomai kažką arba turi perrašyti sutartį ir pan.“, - prisimena R. Paukštė.


A. Tavorė toliau pasakoja, kad vartojimo kredito įstatymas apsaugo vartojimo kredito sutartims.
„Paminėtina, kad lombardinėms kredito sutartims, pagal kurias reikalaujama, kad kredito gavėjas savo skolinių įsipareigojimų vykdymą užtikrintų daikto įkeitimu, perduodant jį kredito davėjui, ir kredito gavėjo atsakomybė būtų ribojama tik įkeistu daiktu, įstatymas nėra taikomas.


Pažymėtina, kad tiek vartojimo kreditai, tiek ir kreditai, susiję su nekilnojamuoju turtu, gali būti teikiami ir nuotolinėmis komunikacinėmis priemonėmis“, - teigia ji.


Be įprastinių paskolų iš bankų ar greitųjų kreditų bendrovių, dabar veikia ir tarpusavio skolinimosi platformos, paskolas teikiančios internetu.


Pasak A. Tavorės, jų veikla yra suprantama kaip fizinio asmens skolinimas fiziniam asmeniui. Šiai veiklai taip pat keliami reikalavimai reglamentuojami Su nekilnojamuoju turtu susijusio kredito įstatyme ir Vartojimo kredito įstatyme.

Pabrėžiama, kad šiuo metu žmonės norėdami pasiimti vartojimo kreditus, prieš sudarant sutartį, turi teisę gauti informaciją apie kreditų sutarties sąlygas, kad galėtų įvertinti ir palyginti skirtingų kredito davėjų pasiūlymus.

„Kredito gavėjas turi užpildyti kredito paraišką, kurią kredito davėjas vertina prieš suteikdamas kreditą. Didžiausias dėmesys skiriamas kreditingumo vertinimui – kredito davėjai turi pareigą patikrinti asmens paraiškoje nurodytą informaciją atitinkamose duomenų bazėse arba surinkti tai pagrindžiančius dokumentus. Detalius reikalavimus vartojimo kredito gavėjų kreditingumo vertinimui nustato Vartojimo kredito gavėjų kreditingumo vertinimo ir atsakingojo skolinimo nuostatai, o būsto kreditams – Atsakingojo skolinimo nuostatai“,- informuoja Lietuvos bankas.
 

 

Taip pat skaitykite

Paskolų tipai: ką derėtų žinoti?

Trūkstamą pinigų sumą gali finansuoti paskolų bankas

Paskola suteikia galimybę įsirengti svajonių namus

Paslaugos, padedančios efektyviau valdyti verslą

2019-02-06 | Rinkos aktualijos 2018-09-07 | Rinkos aktualijos 2018-06-06 | Rinkos aktualijos 2018-01-09 | Rinkos aktualijos

Komentarai



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2017 09 20 19:07     #37107

Keista, tačiau per visą straipsnį nė puse žodžio neužsiminta apie  <a href="https://www.paskoluklubas.lt/refinansavimas">paskolos refinansavimą</a>, nors tikrai aktualu būtų. Visų pirma išsiaiškinti, kokio saugumo poelgis būtų refinansuoti paskolą? Mano atveju - vartojimo paskola iš Nordea, refinansavimui rinksiuosi tikriausiai Paskolų klubą. Ar sprendimas būtų logiškas? Ar po refinansuotos paskolos po to dar kartą iš to paties banko galėsiu imti naują paskolą?
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