{"id":998,"date":"2024-10-28T01:01:05","date_gmt":"2024-10-28T01:01:05","guid":{"rendered":"https:\/\/europaskolos.lt\/index.php\/2024\/10\/28\/kreditavimas-igauna-pagreiti-lietuvos-bankas\/"},"modified":"2024-10-28T01:01:05","modified_gmt":"2024-10-28T01:01:05","slug":"kreditavimas-igauna-pagreiti-lietuvos-bankas","status":"publish","type":"post","link":"https:\/\/europaskolos.lt\/index.php\/2024\/10\/28\/kreditavimas-igauna-pagreiti-lietuvos-bankas\/","title":{"rendered":"Kreditavimas \u012fgauna pagreit\u012f | Lietuvos bankas"},"content":{"rendered":"


\n<\/p>\n

\n
\n

Pama\u017eu krintant skolinimosi kainai ir tikintis tolesnio EURIBOR ma\u017e\u0117jimo, gyventoj\u0173 ir \u012fmoni\u0173 kreditavimas \u012fgauna pagreit\u012f. Nauj\u0173 terminuot\u0173j\u0173 ind\u0117li\u0173 pal\u016bkan\u0173 normos toliau ma\u017e\u0117ja, o susidom\u0117jimas \u0161ia taupymo priemone slopsta.<\/p>\n<\/p><\/div>\n

Komentuoja\u00a0Daumantas Skinkys, Lietuvos banko Finansinio stabilumo departamento ekonomistas<\/p>\n

Bendrai euro zonoje \u012fmoni\u0173 kredito portfeliui vis dar pasi\u017eymint vangiu augimo tempu (0,6 % per metus), Lietuvoje jis spart\u0117jo tre\u010di\u0105 m\u0117nes\u012f paeiliui ir sudar\u0117 12,5 proc. (\u017er. 1 pav.).<\/strong> Nepaisant nuosekliai krintan\u010dio EURIBOR, \u012fmoni\u0173 nauj\u0173 paskol\u0173 pal\u016bkan\u0173 normos nebema\u017e\u0117ja jau pusmet\u012f (\u017er. 2 pav.). Kita vertus, \u012fsitvirtinus l\u016bkes\u010diams, kad skolinimasis pigs, \u012fmoni\u0173 kreditavimas toliau spart\u0117ja: liepos m\u0117n. suteikt\u0173 paskol\u0173 skai\u010dius buvo toks pat kaip prie\u0161 metus, ta\u010diau m\u0117nesin\u0117 kreditavimo apimtis sudar\u0117 385 mln. Eur (\u017er. 3 ir 4 pav.) ir beveik dvigubai didesn\u0117 u\u017e ilgalaik\u012f vidurk\u012f (209 mln. Eur)1<\/sup>. Aktyvesn\u012f \u012fmoni\u0173 skolinim\u0105si lemia gaus\u0117jan\u010dios investicijos, ger\u0117jantys pasitik\u0117jimas bei ekonomikos augimo perspektyvos.<\/p>\n

Lietuvoje, kaip ir bendrai euro zonoje, nam\u0173 \u016bki\u0173 kredito portfelio augimo tempas paspart\u0117jo (Lietuvoje jis did\u0117jo 7,3, o euro zonoje \u2013 0,5 % metiniu tempu).<\/strong> Nauj\u0173 b\u016bsto paskol\u0173 pal\u016bkan\u0173 normoms toliau palengva ma\u017e\u0117jant (\u017er. 2 pav.), naujo kredito apimtis at\u0161oko \u012f 2022 m. prad\u017eioje buvus\u012f lyg\u012f. Liepos m\u0117n. nauj\u0173 b\u016bsto paskol\u0173 skai\u010dius buvo penktadaliu, o vert\u0117 \u2013 ketvirtadaliu didesni nei prie\u0161 metus (\u017er. 3 ir 4 pav.). Vartojimo ir kitos paskolos ir toliau teikiamos itin aktyviai: per metus paskol\u0173 skai\u010diui \u0161iek tiek \u016bgtel\u0117jus, nominalusis j\u0173 srautas Lietuvos rezidentams padid\u0117jo ketvirtadaliu1<\/sup>. Gausesn\u012f nam\u0173 \u016bki\u0173 kreditavim\u0105 lemia d\u0117l suma\u017e\u0117jusios infliacijos did\u0117janti gyventoj\u0173 perkamoji galia, ma\u017e\u0117jan\u010dios b\u016bsto paskol\u0173 mar\u017eos ir l\u016bkes\u010diai, kad skolinimasis toliau pigs.<\/p>\n

Bankai ma\u017eina nauj\u0173 terminuot\u0173j\u0173 ind\u0117li\u0173 pal\u016bkan\u0173 normas.<\/strong> Nuo met\u0173 prad\u017eios nauj\u0173 sutarto termino ind\u0117li\u0173 pal\u016bkan\u0173 normos gyventojams ir \u012fmon\u0117ms suma\u017e\u0117jo atitinkamai 0,4 ir 0,3 proc. punkto (\u017er. 5 pav.). Susidom\u0117jimas \u0161ia taupymo priemone yra gerokai prislop\u0119s: liepos m\u0117n. grynasis srautas \u012f nam\u0173 \u016bki\u0173 sutarto termino ind\u0117li\u0173 s\u0105skaitas sudar\u0117 64 mln. Eur (pastar\u0173j\u0173 dvej\u0173 met\u0173 vidurkis \u2013 150 mln. Eur), o \u012fmon\u0117s nustojo perk\u0117lin\u0117ti l\u0117\u0161as \u012f terminuot\u0105sias s\u0105skaitas. Sutarto termino ind\u0117li\u0173 dalis \u012fmoni\u0173 ir nam\u0173 \u016bki\u0173 ind\u0117li\u0173 portfeliuose stabilizavosi ir i\u0161 esm\u0117s nekinta jau pusmet\u012f (nam\u0173 \u016bki\u0173 sudaro 31,5, o \u012fmoni\u0173 \u2013 18 %, \u017er. 6 pav.). Apskritai per metus gyventoj\u0173 ind\u0117li\u0173 padaug\u0117jo 8,7, o \u012fmoni\u0173 \u2013 suma\u017e\u0117jo 3,6 proc. (portfeliai sudar\u0117 atitinkamai 23,4 mlrd. ir 10,1 mlrd. Eur).<\/p>\n

1 lentel\u0117. Pinig\u0173 finans\u0173 \u012fstaig\u0173 (PF\u012e) paskol\u0173 portfelio ir srauto vert\u0117s pokytis<\/strong>

\n(procentais; srauto duomenims taikomas 3 m\u0117n. slankusis vidurkis)<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
<\/td>\n

<\/p>\n

Metinis portfelio pokytis<\/strong><\/td>\n

<\/p>\n

Metinis srauto pokytis<\/strong><\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

liepa<\/td>\n

<\/p>\n

bir\u017eelis<\/td>\n

<\/p>\n

gegu\u017e\u0117<\/td>\n

<\/p>\n

liepa<\/td>\n

<\/p>\n

bir\u017eelis<\/td>\n

<\/p>\n

gegu\u017e\u0117<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Privatusis ne finans\u0173 sektorius<\/strong><\/td>\n

<\/p>\n

9,5<\/strong><\/td>\n

<\/p>\n

8,2<\/strong><\/td>\n

<\/p>\n

7,7<\/strong><\/td>\n

<\/p>\n

22,1<\/strong><\/span><\/td>\n

<\/p>\n

15,3<\/strong><\/span><\/td>\n

<\/p>\n

6,4<\/strong><\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Paskolos ne finans\u0173 \u012fmon\u0117ms<\/td>\n

<\/p>\n

12,5<\/span><\/td>\n

<\/p>\n

10,1<\/span><\/td>\n

<\/p>\n

8,8<\/td>\n

<\/p>\n

17,4<\/span><\/td>\n

<\/p>\n

11,6<\/span><\/td>\n

<\/p>\n

3,6<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Paskolos nam\u0173 \u016bkiams<\/td>\n

<\/p>\n

7,3<\/td>\n

<\/p>\n

6,9<\/td>\n

<\/p>\n

6,9<\/td>\n

<\/p>\n

28,5<\/span><\/td>\n

<\/p>\n

19,7<\/span><\/td>\n

<\/p>\n

9,9<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

B\u016bsto paskolos<\/td>\n

<\/p>\n

6,5<\/td>\n

<\/p>\n

6,1<\/td>\n

<\/p>\n

6,1<\/td>\n

<\/p>\n

26,5<\/span><\/td>\n

<\/p>\n

15,3<\/span><\/td>\n

<\/p>\n

4,5<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Vartojimo paskolos (Lietuvos rezidentams)<\/td>\n

<\/p>\n

22,0<\/span><\/td>\n

<\/p>\n

21,7<\/span><\/td>\n

<\/p>\n

21,2<\/span><\/td>\n

<\/p>\n

24,1<\/span><\/td>\n

<\/p>\n

24,3<\/span><\/td>\n

<\/p>\n

25,4<\/span><\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Kitos paskolos<\/td>\n

<\/p>\n

2,6<\/td>\n

<\/p>\n

3,0<\/td>\n

<\/p>\n

3,2<\/td>\n

<\/p>\n

0,9<\/td>\n

<\/p>\n

-0,4<\/td>\n

<\/p>\n

-5,8<\/td>\n


\n\t\t<\/tr>\n


\n\t<\/tbody>\n


\n<\/table>\n

2 lentel\u0117. Tikr\u0173j\u0173 nauj\u0173 PF\u012e paskol\u0173 pal\u016bkan\u0173 normos<\/strong>

\n(procentais)<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
<\/td>\n

<\/p>\n

liepa<\/td>\n

<\/p>\n

bir\u017eelis<\/td>\n

<\/p>\n

gegu\u017e\u0117<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Privatusis ne finans\u0173 sektorius<\/strong><\/td>\n

<\/p>\n

6,5<\/strong><\/td>\n

<\/p>\n

6,3<\/strong><\/td>\n

<\/p>\n

6,7<\/strong><\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Paskolos ne finans\u0173 \u012fmon\u0117ms<\/td>\n

<\/p>\n

6,3<\/td>\n

<\/p>\n

5,9<\/td>\n

<\/p>\n

6,6<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Paskolos nam\u0173 \u016bkiams<\/td>\n

<\/p>\n

6,8<\/td>\n

<\/p>\n

6,8<\/td>\n

<\/p>\n

6,8<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

B\u016bsto paskolos<\/td>\n

<\/p>\n

5,3<\/td>\n

<\/p>\n

5,4<\/td>\n

<\/p>\n

5,4<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Vartojimo paskolos<\/td>\n

<\/p>\n

9,9<\/td>\n

<\/p>\n

9,5<\/td>\n

<\/p>\n

9,6<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

Paskolos kitiems tikslams<\/td>\n

<\/p>\n

7,9<\/td>\n

<\/p>\n

7,7<\/td>\n

<\/p>\n

7,6<\/td>\n


\n\t\t<\/tr>\n


\n\t<\/tbody>\n


\n<\/table>\n

3 lentel\u0117. Nam\u0173 \u016bki\u0173 ir \u012fmoni\u0173 nauj\u0173 terminuot\u0173j\u0173 ind\u0117li\u0173 PF\u012e pal\u016bkan\u0173 normos<\/strong>

\n(procentais)<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
<\/td>\n

<\/p>\n

liepa<\/td>\n

<\/p>\n

bir\u017eelis<\/td>\n

<\/p>\n

gegu\u017e\u0117<\/td>\n

<\/p>\n

 <\/td>\n

<\/p>\n

liepa<\/td>\n

<\/p>\n

bir\u017eelis<\/td>\n

<\/p>\n

gegu\u017e\u0117<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

KLAUSIMAS<\/strong><\/td>\n

<\/p>\n

3,2<\/strong><\/td>\n

<\/p>\n

3,4<\/strong><\/td>\n

<\/p>\n

3,4<\/strong><\/td>\n

<\/p>\n

\u012emoni\u0173 <\/strong><\/td>\n

<\/p>\n

3,3<\/strong><\/td>\n

<\/p>\n

3,4<\/strong><\/td>\n

<\/p>\n

3,5<\/strong><\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

N\u016a iki 1 m.<\/td>\n

<\/p>\n

3,1<\/td>\n

<\/p>\n

3,3<\/td>\n

<\/p>\n

3,4<\/td>\n

<\/p>\n

\u012emoni\u0173 iki 1 m.<\/td>\n

<\/p>\n

3,3<\/td>\n

<\/p>\n

3,4<\/td>\n

<\/p>\n

3,5<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

N\u016a nuo 1 iki 2 m.<\/td>\n

<\/p>\n

3,5<\/td>\n

<\/p>\n

3,7<\/td>\n

<\/p>\n

3,8<\/td>\n

<\/p>\n

\u012emoni\u0173 nuo 1 iki 2 m.<\/td>\n

<\/p>\n

3,3<\/td>\n

<\/p>\n

3,5<\/td>\n

<\/p>\n

4,0<\/td>\n


\n\t\t<\/tr>\n

<\/p>\n

N\u016a nuo 2 m.<\/td>\n

<\/p>\n

3,5<\/td>\n

<\/p>\n

4,2<\/td>\n

<\/p>\n

4,4<\/td>\n

<\/p>\n

\u012emoni\u0173 nuo 2 m.<\/td>\n

<\/p>\n

1,5<\/td>\n

<\/p>\n

1,4<\/td>\n

<\/p>\n

4,8<\/td>\n


\n\t\t<\/tr>\n


\n\t<\/tbody>\n


\n<\/table>\n\n

1<\/sup> Skai\u010diavimai atlikti naudojant 3 m\u0117n. slank\u0173j\u012f vidurk\u012f.<\/p>\n<\/p><\/div>\n