{"id":38192,"date":"2026-03-06T14:02:02","date_gmt":"2026-03-06T14:02:02","guid":{"rendered":"https:\/\/www.factris.com\/?page_id=38192"},"modified":"2026-03-06T14:02:41","modified_gmt":"2026-03-06T14:02:41","slug":"finansu-zodynas-kreditingumas","status":"publish","type":"page","link":"https:\/\/www.factris.com\/lt\/finansu-zodynas\/kreditingumas\/","title":{"rendered":"Kreditingumas (Finansini\u0173 termin\u0173 \u017eodynas)"},"content":{"rendered":"<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.factris.com\/lt\/\">Home<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>Kreditingumas (Finansini\u0173 termin\u0173 \u017eodynas)<\/strong><\/span><\/span><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kas-yra-kreditingumas\">Kas yra kreditingumas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kreditingumas \u2013 tai asmens ar \u012fmon\u0117s finansin\u0117s b\u016bkl\u0117s ir galimybi\u0173 vykdyti savo finansinius \u012fsipareigojimus \u012fvertinimas. Kreditingumas padeda skolintojui nustatyti, kokioms \u012fmon\u0117ms galima suteikti finansavim\u0105. Kreditingumas priklauso nuo keli\u0173 veiksni\u0173, tarp kuri\u0173 yra asmens ar \u012fmon\u0117s kredito istorija, pajamos, i\u0161laidos, skolos, turtas. Auk\u0161tas kredito reitingas rodo, kad asmuo ar \u012fmon\u0117 geba vykdyti \u012fsipareigojimus, o tai lemia lankstesnes paskolos s\u0105lygas.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns37716_68afda-fb{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns37716_68afda-fb .kt-button{font-weight:normal;font-style:normal;}.kt-btns37716_68afda-fb .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns37716_68afda-fb .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns37716_68afda-fb .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns37716_68afda-fb .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns37716_68afda-fb .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns37716_68afda-fb .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns37716_68afda-fb .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns37716_68afda-fb\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn37716_944fb5-23.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn37716_944fb5-23 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-false wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/www.factris.com\/lt\/finansiniu-terminu-zodynas\/\"><span class=\"kt-btn-inner-text\">Gr\u012f\u017eti \u012f finansini\u0173 termin\u0173 \u017eodyn\u0105<\/span><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kas yra kreditingumas? Kreditingumas \u2013 tai asmens ar \u012fmon\u0117s finansin\u0117s b\u016bkl\u0117s ir galimybi\u0173 vykdyti savo finansinius \u012fsipareigojimus \u012fvertinimas. Kreditingumas padeda skolintojui nustatyti, kokioms \u012fmon\u0117ms galima suteikti finansavim\u0105. Kreditingumas priklauso nuo keli\u0173 veiksni\u0173, tarp kuri\u0173 yra asmens ar \u012fmon\u0117s kredito istorija, pajamos, i\u0161laidos, skolos, turtas. Auk\u0161tas kredito reitingas rodo, kad asmuo ar \u012fmon\u0117 geba vykdyti \u012fsipareigojimus,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-38192","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Kas yra kreditingumas? | Finansini\u0173 termin\u0173 \u017eodynas | Factris<\/title>\n<meta name=\"description\" content=\"Su\u017einokite, kas yra kreditingumas, kokie rodikliai vertinami ir kaip \u012fmon\u0117s kreditingumas veikia finansavimo galimybes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.factris.com\/lt\/finansu-zodynas\/kreditingumas\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kreditingumas (Finansini\u0173 termin\u0173 \u017eodynas)\" \/>\n<meta property=\"og:description\" content=\"Su\u017einokite, kas yra kreditingumas, kokie rodikliai vertinami ir kaip \u012fmon\u0117s kreditingumas veikia finansavimo galimybes.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.factris.com\/lt\/finansu-zodynas\/kreditingumas\/\" \/>\n<meta property=\"og:site_name\" content=\"Factris\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/factris\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-06T14:02:41+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.factris.com\/wp-content\/uploads\/2023\/03\/factris-blog-image-2.png\" \/>\n<meta name=\"twitter:site\" content=\"@factris\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minut\u0117\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/finansu-zodynas\\\/kreditingumas\\\/\",\"url\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/finansu-zodynas\\\/kreditingumas\\\/\",\"name\":\"Kas yra kreditingumas? | Finansini\u0173 termin\u0173 \u017eodynas | Factris\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/#website\"},\"datePublished\":\"2026-03-06T14:02:02+00:00\",\"dateModified\":\"2026-03-06T14:02:41+00:00\",\"description\":\"Su\u017einokite, kas yra kreditingumas, kokie rodikliai vertinami ir kaip \u012fmon\u0117s kreditingumas veikia finansavimo galimybes.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/finansu-zodynas\\\/kreditingumas\\\/#breadcrumb\"},\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.factris.com\\\/lt\\\/finansu-zodynas\\\/kreditingumas\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/finansu-zodynas\\\/kreditingumas\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kreditingumas (Finansini\u0173 termin\u0173 \u017eodynas)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/#website\",\"url\":\"https:\\\/\\\/www.factris.com\\\/lt\\\/\",\"name\":\"Factris\",\"description\":\"Your invoices. 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