{"id":623,"date":"2023-03-13T17:07:50","date_gmt":"2023-03-13T17:07:50","guid":{"rendered":"https:\/\/inwest.lt\/?page_id=623"},"modified":"2024-06-04T10:37:52","modified_gmt":"2024-06-04T08:37:52","slug":"tarpusavio-skolinimas","status":"publish","type":"page","link":"https:\/\/inwest.lt\/en\/tarpusavio-skolinimas\/","title":{"rendered":"Tarpusavio skolinimas"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"623\" class=\"elementor elementor-623\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a32eed2 e-flex e-con-boxed e-con e-parent\" data-id=\"a32eed2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab4e37a e-con-full e-flex e-con e-child\" data-id=\"ab4e37a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87bfa31 e-con-full e-flex e-con e-child\" data-id=\"87bfa31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3830d6b elementor-widget elementor-widget-heading\" data-id=\"3830d6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-xxl\">Tarpusavio skolinimas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c4dab5 elementor-widget elementor-widget-spacer\" data-id=\"0c4dab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-075e256 elementor-widget elementor-widget-text-editor\" data-id=\"075e256\" 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>Tai investavimas \u012f vartojimo kredito paskolas. Kaip investuotojas, j\u016bs skolinate pinigus per tam skirt\u0105 internetin\u0119 platform\u0105 fiziniams asmenims, kurie ima paskolas \u012fvairioms asmenin\u0117ms reikm\u0117ms (pvz., kelionei, remontui, automobiliui).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-258dea1 e-con-full e-flex e-con e-child\" data-id=\"258dea1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd2ff47 e-flex e-con-boxed e-con e-parent\" data-id=\"fd2ff47\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-713a308 e-con-full e-flex e-con e-child\" data-id=\"713a308\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce489c8 e-con-full e-flex e-con e-child\" data-id=\"ce489c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee1e06f elementor-widget elementor-widget-spacer\" data-id=\"ee1e06f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a463d8 elementor-widget elementor-widget-text-editor\" data-id=\"1a463d8\" 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>Kaip veikia tarpusavio skolinimas?<\/strong><\/p><p class=\"font_8\">J\u016bs galite pasirinkti kokiam laikotarpiui, koki\u0105 sum\u0105, kokiam tikslui ir u\u017e kokias pal\u016bkanas norite skolinti savo pinigus.<\/p><p class=\"font_8\">Pvz., platformoje matote parai\u0161k\u0105 paskolai, kuri\u0105 pateik\u0117 25 met\u0173 dirbantis asmuo, kuriam reikia 5.000 eur\u0173 paskolos magistro studijoms padengti. \u0160is asmuo yra pasiruo\u0161\u0119s mok\u0117ti 7% pal\u016bkanas, o gr\u0105\u017einti paskol\u0105 \u012fsipareigoja per 60 m\u0117n. Tarkime, kad platformos nustatytas \u0161io asmens kreditingumo reitingas yra \u201eA\u201c lygio (t.y., ma\u017eiausios rizikos parei\u0161k\u0117jas).\u00a0<\/p><p class=\"font_8\">Jei tokia paskola, atsi\u017evelgiant \u012f si\u016blomas pal\u016bkanas (s\u0105lyginai nedidel\u0117s) ir \u012f rizik\u0105 (s\u0105lyginai \u017eema), atitinka j\u016bs\u0173 rizikos apetit\u0105, j\u016bs galite nuspr\u0119sti investuoti \u012f \u0161i\u0105 paskol\u0105 ka\u017ekiek pinig\u0173. Pvz., tai gali b\u016bti ir 20 eur\u0173.<\/p><p class=\"font_8\">Kai ir kiti investuotojai padarys savo sprendimus ir parai\u0161ka surinks reikiamus 5.000 eur, \u0161ie pinigai bus pervesti b\u016bsimam magistro studentui ir \u012fsigalios paskolos sutartis. Kas m\u0117nes\u012f (arba kitu da\u017enumu, kaip numatyta sutartyje) skolininkas pervedin\u0117s paskolos \u012fmok\u0105 ir priskai\u010diuotas pal\u016bkanas, o platformos operatorius gaut\u0105 \u012fmok\u0105 proporcingai paskirstys investuotojams. T.y., J\u016bs \u012f savo asmenin\u0119 s\u0105skait\u0105-paskyr\u0105 kas m\u0117nes\u012f gausite keliasde\u0161imt cent\u0173, kuriuos v\u0117l gal\u0117site skirti investavimui \u012f kitas paskolas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee40564 e-con-full e-flex e-con e-child\" data-id=\"ee40564\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51efcc6 elementor-grid-1 elementor-product-loop-item--align-center elementor-grid-mobile-1 elementor-grid-tablet-3 elementor-products-grid elementor-wc-products elementor-widget elementor-widget-woocommerce-products\" data-id=\"51efcc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"woocommerce-products.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"woocommerce columns-1\"><ul class=\"products elementor-grid columns-1\">\n<li class=\"member-discount discount-restricted product type-product post-1115 status-publish first instock product_cat-kursai has-post-thumbnail virtual purchasable product-type-simple\">\n\t<a href=\"https:\/\/inwest.lt\/en\/product\/tarpusavio-skolinimo-ir-sutelktinio-finansavimo-platformos\/\" class=\"woocommerce-LoopProduct-link woocommerce-loop-product__link\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/inwest.lt\/wp-content\/uploads\/2025\/03\/INWEST-web-banners-square-imagesfinansavimas-300x225.webp\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Tarpusavio skolinimo ir sutelktinio finansavimo platformos\" \/><h2 class=\"woocommerce-loop-product__title\">Tarpusavio skolinimo ir sutelktinio finansavimo platformos<\/h2>\n\t<span class=\"price\"><span class=\"woocommerce-Price-amount amount\"><bdi>19,00&nbsp;<span class=\"woocommerce-Price-currencySymbol\">&euro;<\/span><\/bdi><\/span><\/span>\n<\/a><div class=\"woocommerce-loop-product__buttons\"><a data-ga4-item_id=\"1115\" data-ga4-item_name=\"Tarpusavio skolinimo ir sutelktinio finansavimo platformos\" data-ga4-price=\"19\" data-ga4-item_category=\"Kursai\" href=\"\/en\/wp-json\/wp\/v2\/pages\/623?add-to-cart=1115\" aria-describedby=\"woocommerce_loop_add_to_cart_link_describedby_1115\" data-quantity=\"1\" class=\"button product_type_simple add_to_cart_button ajax_add_to_cart\" data-product_id=\"1115\" data-product_sku=\"\" aria-label=\"Add to basket: \u201cTarpusavio skolinimo ir sutelktinio finansavimo platformos\u201d\" rel=\"nofollow\" data-success_message=\"\u201cTarpusavio skolinimo ir sutelktinio finansavimo platformos\u201d has been added to your basket\" role=\"button\" data-no-translation=\"\" data-trp-gettext=\"\" data-no-translation-aria-label=\"\" data-no-translation-data-success_message=\"\">Add to basket<\/a><\/div>\t<span id=\"woocommerce_loop_add_to_cart_link_describedby_1115\" class=\"screen-reader-text\">\n\t\t\t<\/span>\n<\/li>\n<\/ul>\n<\/div>\t\t\t\t<\/div>\n\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<div class=\"elementor-element elementor-element-5aba075 e-flex e-con-boxed e-con e-parent\" data-id=\"5aba075\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f3ee3b2 e-con-full e-flex e-con e-child\" data-id=\"f3ee3b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bed67a e-con-full e-flex e-con e-child\" data-id=\"7bed67a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72bdef2 elementor-widget elementor-widget-heading\" data-id=\"72bdef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investavimo rizikos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feed170 elementor-widget elementor-widget-spacer\" data-id=\"feed170\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b03b96 elementor-widget elementor-widget-text-editor\" data-id=\"1b03b96\" 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><span style=\"color: #800080;\">Kaip ir bet koks kitas investavimo b\u016bdas, tarpusavio skolinimas yra susij\u0119s su \u012fvairiomis<\/span><br \/><span style=\"color: #800080;\">rizikomis. <strong>\u010cia pamin\u0117sime pagrindines:<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08c8ec0 e-con-full e-flex e-con e-child\" data-id=\"08c8ec0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04fe920 e-flex e-con-boxed e-con e-parent\" data-id=\"04fe920\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4243f60 elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"4243f60\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-43bb348 e-con-full e-flex e-con e-child\" data-id=\"43bb348\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d207b9a elementor-widget elementor-widget-text-editor\" data-id=\"d207b9a\" 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<h3 class=\"font_0\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">Skolininkas gali nevykdyti savo \u012fsipareigojim\u0173.<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed6ac0f e-con-full e-flex e-con e-child\" data-id=\"ed6ac0f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52a834d elementor-widget elementor-widget-text-editor\" data-id=\"52a834d\" 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<h3 class=\"font_0\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">Platformos operatoriaus rizika<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78bccf8 e-con-full e-flex e-con e-child\" data-id=\"78bccf8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff29d1a elementor-widget elementor-widget-text-editor\" data-id=\"ff29d1a\" 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<h3 class=\"font_0\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">Likvidumo rizika<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90be482 e-con-full e-flex e-con e-child\" data-id=\"90be482\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a876d78 elementor-widget elementor-widget-text-editor\" data-id=\"a876d78\" 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>Ne visi \u017emon\u0117s pasi\u017eymi finansine drausme, o kartais koj\u0105 paki\u0161a ir nepalankiai susiklostan\u010dios gyvenimo aplinkyb\u0117s. Tarkime, jei m\u016bs\u0173 min\u0117tas b\u016bsimas magistro studentas praras darb\u0105, o gaunamos bedarbio pa\u0161alpos neu\u017eteks \u012fsipareigojimams vykdyti, kasm\u0117nesin\u0117s \u012fmokos j\u016bs galite kur\u012f laik\u0105 ir negauti. Da\u017enu atveju skolininkas po kurio laiko (su antstoli\u0173 ar be j\u0173 pagalbos) paskol\u0105 visgi gr\u0105\u017eina, bet gali b\u016bti situacij\u0173, kad savo investicij\u0105 tur\u0117site \u201epalaidoti\u201c (pvz., skolininkas pab\u0117ga \u012f kit\u0105 \u0161al\u012f, kur j\u012f pasiekti yra sunku; aplikuoja asmeninio bankroto proced\u016brai ir pan.).<\/p><p>Tod\u0117l turite nusiteikti, kad dalis paskol\u0173 taip ir negr\u012f\u0161. <strong>\u010cia svarbi yra diversifikavimo taisykl\u0117,<\/strong>\u00a0<strong>kuri\u0105 aptarsime v\u0117liau.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43128ef e-con-full e-flex e-con e-child\" data-id=\"43128ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43fcff5 elementor-widget elementor-widget-text-editor\" data-id=\"43fcff5\" 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>Nors platformos rizik\u0105 \u2013 tikimyb\u0119, kad pati platforma bankrutuos arba apgaus savo investuotojus \u2013 priskirtume prie ma\u017eai tik\u0117tinos, ta\u010diau per ma\u017edaug 15 met\u0173 tarpusavio skolinimo modelio veiklos istorij\u0105, pasitaik\u0117 ir li\u016bdn\u0173 istorij\u0173. Kinijoje virtin\u0117 bankrot\u0173 pasipyl\u0117 i\u0161siai\u0161kinus, kad platformos operatorius tiesiog i\u0161sigalvodavo skolininkus, t. y., rinkdavo pinigus neegzistuojan\u010di\u0173 \u017emoni\u0173 vardu, o pa\u010dius pinigus naudodavo savo reikm\u0117ms. <br \/>Taip pat buvo atvej\u0173, kai platformos operatorius anks\u010diau termino gr\u0105\u017eintus skolinink\u0173 pinigus irgi vald\u0117 kaip savus. Galiausiai nesu\u0117jus pinig\u0173 srautams, \u201ekort\u0173 namelis\u201c gri\u016bdavo.<\/p><p>Lietuvi\u0161kas tarpusavio skolinimo platformos vertintume kaip gan patikimas \u2013 j\u0173 veiklos pamatus pad\u0117jo dar 2015 metais \u012fsigalioj\u0119s reguliavimas, tad rinka yra pakankamai tvari. Bet tai nepanaikina vis\u0173 rizik\u0173 (kibernetinio atsparumo, vartotoj\u0173 teisi\u0173 apsaugos ir pan.), tad verta tur\u0117ti omenyje ir platformos operatoriaus rizikos faktori\u0173<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e480e e-con-full e-flex e-con e-child\" data-id=\"74e480e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79019c9 elementor-widget elementor-widget-text-editor\" data-id=\"79019c9\" 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=\"font_8\">\u010cia labiau aplinkyb\u0117, kuri\u0105 reikt\u0173 tur\u0117ti omenyje, nei rizika \u2013 jei jums staiga prireikt\u0173 investuot\u0173 pinig\u0173, juos i\u0161siimti i\u0161 platformos anks\u010diau laiko (kol nesueis paskol\u0173 gr\u0105\u017einimo terminai) gali b\u016bti ne\u012fmanoma. Ne visos platformos si\u016blo antrin\u0119 rink\u0105, o ir si\u016blan\u010dios negarantuoja, kad gal\u0117site parduoti savo investicij\u0105 u\u017e jums priimtin\u0105 kain\u0105. Kit\u0105 vertus, kadangi pal\u016bkan\u0173 normos nuosekliai krenta, j\u016bs\u0173 investicija, padaryta prie didesni\u0173 pal\u016bkan\u0173, gali tapti ir gard\u017eiu kasniu<br \/>antrin\u0117je rinkoje.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8fcd68e e-flex e-con-boxed e-con e-parent\" data-id=\"8fcd68e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6002db9 elementor-hidden-desktop elementor-hidden-tablet e-flex e-con-boxed e-con e-child\" data-id=\"6002db9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-01ab8a8 e-con-full e-flex e-con e-child\" data-id=\"01ab8a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2d4b70 elementor-widget elementor-widget-text-editor\" data-id=\"e2d4b70\" 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<h3 class=\"font_0\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">Skolininkas gali nevykdyti savo \u012fsipareigojim\u0173<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-668ec70 e-con-full e-flex e-con e-child\" data-id=\"668ec70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fa4397 elementor-widget elementor-widget-text-editor\" data-id=\"3fa4397\" 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>Ne visi \u017emon\u0117s pasi\u017eymi finansine drausme, o kartais koj\u0105 paki\u0161a ir nepalankiai susiklostan\u010dios gyvenimo aplinkyb\u0117s. Tarkime, jei m\u016bs\u0173 min\u0117tas b\u016bsimas magistro studentas praras darb\u0105, o gaunamos bedarbio pa\u0161alpos neu\u017eteks \u012fsipareigojimams vykdyti, kasm\u0117nesin\u0117s \u012fmokos j\u016bs galite kur\u012f laik\u0105 ir negauti. Da\u017enu atveju skolininkas po kurio laiko (su antstoli\u0173 ar be j\u0173 pagalbos) paskol\u0105 visgi gr\u0105\u017eina, bet gali b\u016bti situacij\u0173, kad savo investicij\u0105 tur\u0117site \u201epalaidoti\u201c (pvz., skolininkas pab\u0117ga \u012f kit\u0105 \u0161al\u012f, kur j\u012f pasiekti yra sunku; aplikuoja asmeninio bankroto proced\u016brai ir pan.).<\/p><p>Tod\u0117l turite nusiteikti, kad dalis paskol\u0173 taip ir negr\u012f\u0161. <strong>\u010cia svarbi yra diversifikavimo taisykl\u0117,<\/strong><br \/><strong>kuri\u0105 aptarsime v\u0117liau.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d7fac2 e-con-full e-flex e-con e-child\" data-id=\"4d7fac2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b69645 elementor-widget elementor-widget-text-editor\" data-id=\"5b69645\" 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<h3 class=\"font_0\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">Platformos operatoriaus rizika<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70cd80c e-con-full e-flex e-con e-child\" data-id=\"70cd80c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70945eb elementor-widget elementor-widget-text-editor\" data-id=\"70945eb\" 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>Nors platformos rizik\u0105 \u2013 tikimyb\u0119, kad pati platforma bankrutuos arba apgaus savo investuotojus \u2013 priskirtume prie ma\u017eai tik\u0117tinos, ta\u010diau per ma\u017edaug 15 met\u0173 tarpusavio skolinimo modelio veiklos istorij\u0105, pasitaik\u0117 ir li\u016bdn\u0173 istorij\u0173. Kinijoje virtin\u0117 bankrot\u0173 pasipyl\u0117 i\u0161siai\u0161kinus, kad platformos operatorius tiesiog i\u0161sigalvodavo skolininkus, t. y., rinkdavo pinigus neegzistuojan\u010di\u0173 \u017emoni\u0173 vardu, o pa\u010dius pinigus naudodavo savo reikm\u0117ms. <br \/>Taip pat buvo atvej\u0173, kai platformos operatorius anks\u010diau termino gr\u0105\u017eintus skolinink\u0173 pinigus irgi vald\u0117 kaip savus. Galiausiai nesu\u0117jus pinig\u0173 srautus \u201ekort\u0173 namelis\u201c gri\u016bdavo.<\/p><p>Lietuvi\u0161kas tarpusavio skolinimo platformos vertintume kaip gan patikimas \u2013 j\u0173 veiklos pamatus pad\u0117jo dar 2015 metais \u012fsigalioj\u0119s reguliavimas, tad rinka yra pakankamai tvari. Bet tai nepanaikina vis\u0173 rizik\u0173 (kibernetinio atsparumo, vartotoj\u0173 teisi\u0173 apsaugos ir pan.), tad verta tur\u0117ti omenyje ir platformos operatoriaus rizikos faktori\u0173<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b91ab1 e-con-full e-flex e-con e-child\" data-id=\"8b91ab1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d95e7a elementor-widget elementor-widget-text-editor\" data-id=\"2d95e7a\" 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<h3 class=\"font_0\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">Likvidumo rizika<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0657d54 e-con-full e-flex e-con e-child\" data-id=\"0657d54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6a9fbb elementor-widget elementor-widget-text-editor\" data-id=\"f6a9fbb\" 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=\"font_8\">\u010cia labiau aplinkyb\u0117, kuri\u0105 reikt\u0173 tur\u0117ti omenyje, nei rizika \u2013 jei jums staiga prireikt\u0173 investuot\u0173 pinig\u0173, juos i\u0161siimti i\u0161 platformos anks\u010diau laiko (kol nesueis paskol\u0173 gr\u0105\u017einimo terminai) gali b\u016bti ne\u012fmanoma. Ne visos platformos si\u016blo antrin\u0119 rink\u0105, o ir si\u016blan\u010dios negarantuoja, kad gal\u0117site parduoti savo investicij\u0105 u\u017e jums priimtin\u0105 kain\u0105. Kit\u0105 vertus, kadangi pal\u016bkan\u0173 normos nuosekliai krenta, j\u016bs\u0173 investicij\u0105, padaryta prie didesni\u0173 pal\u016bkan\u0173, gali tapti ir gard\u017eiu kasniu<br \/>antrin\u0117je rinkoje.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8eab793 e-flex e-con-boxed e-con e-parent\" data-id=\"8eab793\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e1e1250 e-con-full e-flex e-con e-child\" data-id=\"e1e1250\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa08178 e-con-full e-flex e-con e-child\" data-id=\"aa08178\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-645d525 elementor-widget elementor-widget-heading\" data-id=\"645d525\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-xxl\">Nam\u0173 darbai, kuriuos reik\u0117t\u0173 pasidaryti prie\u0161 pradedant investuoti<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1e5881 elementor-widget elementor-widget-spacer\" data-id=\"c1e5881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40eaf71 e-con-full e-flex e-con e-child\" data-id=\"40eaf71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de49a19 e-flex e-con-boxed e-con e-parent\" data-id=\"de49a19\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8810d3a e-flex e-con-boxed e-con e-child\" data-id=\"8810d3a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-581e31c e-con-full e-flex e-con e-child\" data-id=\"581e31c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a56255 elementor-widget elementor-widget-heading\" data-id=\"7a56255\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">01<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1a1ada e-con-full e-flex e-con e-child\" data-id=\"f1a1ada\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0b0329 elementor-widget elementor-widget-text-editor\" data-id=\"c0b0329\" 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<h4 id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><span style=\"color: #800080;\">Nuspr\u0119skite, kiek pinig\u0173 norite skirti investavimui per tarpusavio skolinimo platformas<\/span><\/h4><div id=\"comp-l7otbcl2__item1\" class=\"KcpHeO tz5f0K comp-l7otbcl2 wixui-text\" data-testid=\"richTextElement\"><p class=\"font_2\"><span style=\"color: #800080;\">Koki\u0105 pinig\u0173 sum\u0105 skirti investavimui per tarpusavio skolinimo platformas yra labia individualu. Viena gali skirti 50 eur\u0173 per m\u0117nes\u012f, kit\u0105 \u2013 500, o tre\u010dia galb\u016bt ir 5.000 ir daugiau. Nepaisant asmenini\u0173 galimybi\u0173, bet kokia auganti suma yra geriau, nei netikslingai i\u0161leisti suma. Tad ir nedidel\u0117s investavimo galimyb\u0117s neturi atbaidyti nuo investavimo prad\u017eios.<\/span><br \/><span style=\"color: #800080;\">Tarpusavio skolinimas t\u0117ra viena i\u0161 investavimo priemoni\u0173, tad nusprendus leistis \u012f investavimo kelion\u0119, patartina nel\u0117kti \u201evisu grei\u010diu\u201c ir i\u0161 prad\u017ei\u0173 \u012fsivertinti ar \u0161i priemon\u0117 i\u0161 tikr\u0173j\u0173 tenkina j\u016bs\u0173 poreikius (atitinka j\u016bs\u0173 gr\u0105\u017eos ir rizikos tolerancijos balans\u0105). Prad\u0117kite nuo nedideli\u0173 sum\u0173, o v\u0117liau, prisijaukinus \u0161\u012f investavimo b\u016bd\u0105 jau gal\u0117site nuspr\u0119sti, ar skirti daugiau pinig\u0173 \u0161iai investavimo klasei.<\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\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<div class=\"elementor-element elementor-element-5ada78f e-flex e-con-boxed e-con e-child\" data-id=\"5ada78f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8b39b07 e-con-full e-flex e-con e-child\" data-id=\"8b39b07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cda8463 elementor-widget elementor-widget-heading\" data-id=\"cda8463\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">02<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8e7831 e-con-full e-flex e-con e-child\" data-id=\"c8e7831\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffff2bf elementor-widget elementor-widget-text-editor\" data-id=\"ffff2bf\" 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<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h4 class=\"font_2\"><span style=\"color: #800080;\">\u012esitikinkite, kad platforma veikia legaliai<\/span><\/h4><\/div><div id=\"comp-l7otbcl2__item1\" class=\"KcpHeO tz5f0K comp-l7otbcl2 wixui-text\" data-testid=\"richTextElement\"><p class=\"font_2\"><span style=\"color: #800080;\">Jei svarstote tik prad\u0117ti investuoti, geriau prad\u017ei\u0105 padaryti Lietuvoje \u2013 legaliai veikian\u010di\u0173 ir pri\u017ei\u016brim\u0173 platform\u0173 s\u0105ra\u0161\u0105 galima rasti Lietuvos banko puslapyje:\u00a0 <a style=\"color: #800080;\" href=\"https:\/\/www.lb.lt\/lt\/finansu-rinku-dalyviai?ff=1&amp;amp;market=1&amp;amp;type%5B%5D=30\">Lietuvos banko finans\u0173 rinkos dalyviai<\/a><\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\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<div class=\"elementor-element elementor-element-52e6ef7 e-flex e-con-boxed e-con e-child\" data-id=\"52e6ef7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ef10f8d e-con-full e-flex e-con e-child\" data-id=\"ef10f8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73e60b9 elementor-widget elementor-widget-heading\" data-id=\"73e60b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">03<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a462567 e-con-full e-flex e-con e-child\" data-id=\"a462567\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3cf14e elementor-widget elementor-widget-text-editor\" data-id=\"a3cf14e\" 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<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h4 class=\"font_2\"><span style=\"color: #800080;\">\u012esivertinkite diversifikavimo galimybes<\/span><\/h4><\/div><div id=\"comp-l7otbcl2__item1\" class=\"KcpHeO tz5f0K comp-l7otbcl2 wixui-text\" data-testid=\"richTextElement\"><p class=\"font_2\"><span style=\"color: #800080;\">Atsi\u017evelgiant \u012f platformos operatoriaus rizika, tikslinga \u012fvertinti galimyb\u0119 diversifikuoti savo investicijas per skirtingas platformas. Kitame straipsnyje pateiksime platform\u0173 ap\u017evalg\u0105, kuri galb\u016bt pad\u0117s jums susiorientuoti tarp platform\u0173 \u012fvairov\u0117s.<\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\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<div class=\"elementor-element elementor-element-0892216 e-flex e-con-boxed e-con e-child\" data-id=\"0892216\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2cc4bd5 e-con-full e-flex e-con e-child\" data-id=\"2cc4bd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5df71af elementor-widget elementor-widget-heading\" data-id=\"5df71af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">04<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66757e2 e-con-full e-flex e-con e-child\" data-id=\"66757e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0096e27 elementor-widget elementor-widget-text-editor\" data-id=\"0096e27\" 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<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h4 class=\"font_2\"><span style=\"color: #800080;\">Prad\u0117kite investuoti<\/span><\/h4><\/div><div id=\"comp-l7otbcl2__item1\" class=\"KcpHeO tz5f0K comp-l7otbcl2 wixui-text\" data-testid=\"richTextElement\"><p class=\"font_2\">Neveltui sakoma, kad gera prad\u017eia \u2013 pus\u0117 darbo. Sunkiausiai prad\u0117ti, o prad\u0117jus jau viskas kolstysies savaime. (Beje, taip pat buvo su \u0161io straipsnio ra\u0161ymu \u2013 ilgai atid\u0117liojau, o kai pris\u0117dau, para\u0161iau per valand\u0105)<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b30f376 e-flex e-con-boxed e-con e-parent\" data-id=\"b30f376\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-60b28e9 e-con-full e-flex e-con e-child\" data-id=\"60b28e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05ff9a3 elementor-widget elementor-widget-text-editor\" data-id=\"05ff9a3\" 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<div id=\"comp-l7ot3w69__item1\" class=\"KcpHeO tz5f0K comp-l7ot3w69 wixui-text\" data-testid=\"richTextElement\" data-angle=\"0\" data-angle-style-location=\"style\" data-screen-in-hide=\"done\"><h4 class=\"font_2\" style=\"text-align: center;\">Pabaigai &#8211; kuo tarpusavio skolinimas skiriasi nuo sutelktinio finansavimo\u00a0<\/h4><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebb043e elementor-widget elementor-widget-text-editor\" data-id=\"ebb043e\" 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>Tarpusavio skolinimas nuo sutelktinio finansavimo skiriasi tuo, kad pastarasis yra skirtas investavimui \u012f versl\u0105. Per sutelktinio finansavimo platformas galima skolinti verslui paskol\u0173 forma, arba investuoti \u012f \u012fmoni\u0173 kapital\u0105 (\u012fsigyjant \u012fmoni\u0173 akcij\u0173). Lietuvi\u0161kos sutelktinio finansavimo platformos kol kas si\u016blo investuoti tik \u012f verslo paskolas. Populiariausios \u0161iuo metu yra nekilnojamojo turto verslo paskolos \u2013 ten j\u016bs galite paskolinti pinig\u0173 nekilnojamojo turto vystytojui arba netiesiogiai investuoti \u012f pa\u010dius nekilnojamojo turto objektus ir gauti pajam\u0173 i\u0161 j\u0173 nuomos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-238f68d elementor-widget elementor-widget-spacer\" data-id=\"238f68d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\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>Tarpusavio skolinimas Tai investavimas \u012f vartojimo kredito paskolas. Kaip investuotojas, j\u016bs skolinate pinigus per tam skirt\u0105 internetin\u0119 platform\u0105 fiziniams asmenims, kurie ima paskolas \u012fvairioms asmenin\u0117ms reikm\u0117ms (pvz., kelionei, remontui, automobiliui). [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"class_list":["post-623","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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