{"id":6698,"date":"2020-08-27T12:02:00","date_gmt":"2020-08-27T12:02:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6698"},"modified":"2023-01-10T07:43:30","modified_gmt":"2023-01-10T07:43:30","slug":"kaip-isvengti-veluojanciu-atsiskaityti-rizikos","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kaip-isvengti-veluojanciu-atsiskaityti-rizikos\/","title":{"rendered":"V\u0117luojan\u010di\u0173 atsiskaitym\u0173 \u012ftaka \u012fmon\u0117s pinig\u0173 srautams"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;27px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_font=&#8221;|700|||||||&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Nors \u0161iuo metu verslai yra labiau paj\u0117g\u016bs atsilaikyti prie\u0161 v\u0117luojamas apmok\u0117ti s\u0105skaitas nei per 2008 m. kriz\u0119, ta\u010diau prekinio kredito draudikai prognozuoja daugiau nei dvigubai i\u0161augusias i\u0161mokas su pirk\u0117j\u0173 nemokumu susid\u016brusioms \u012fmon\u0117ms.<\/h2>\n<p> Remiantis \u201e<a href=\"https:\/\/www.manocreditinfo.lt\/\" target=\"_blank\" rel=\"noopener noreferrer\">Creditinfo Lietuva<\/a>\u201c duomenimis v\u0117lavimai apmok\u0117ti s\u0105skaitas karantino laikotarpiu i\u0161augo nuo 40-ties iki 60-ties dien\u0173. Labiausiai, kai pradelsiamas tam tikras skai\u010dius dien\u0173 apmok\u0117ti s\u0105skaitas po sutartyje numatyto atid\u0117jimo termino, kuris b\u016bna ir 90 dien\u0173, su atsiskaitymais v\u0117luoja statyb\u0173 sektoriaus \u012fmon\u0117s (60 dien\u0173), ta\u010diau net ir iki-karantininiu laikotarpiu pastarosios buvo linkusios v\u0117luoti ilgiausiai, transporto (nuo 56 iki 57 dien\u0173) ir paslaug\u0173 (51 diena) sektoriaus \u012fmon\u0117s. I\u0161augusiam v\u0117lavim\u0173 mastui \u012ftakos tur\u0117jo u\u017etrukusios valstyb\u0117s paramos nuo COVID-19 nukent\u0117jusiems verslams priemon\u0117s, pasikeit\u0119 vartojimo \u012fpro\u010diai, perkamoji galia, nedarbo lygis, sutrikusi u\u017esienio tiek\u0117j\u0173 grandis ir t.t.<\/p>\n<p>Auganti v\u0117lavim\u0173 atsiskaityti tendencija grasina rimtomis problemomis ypa\u010d smulkiam ir vidutiniam verslui. \u012emon\u0117, neturinti \u201eatsargin\u0117s pagalv\u0117s\u201c l\u0117\u0161\u0173, gali susidurti su apyvartini\u0173 l\u0117\u0161\u0173 stoka ir taip i\u0161auginti v\u0117lavim\u0173, atsiskaityti su savo tiek\u0117jais ar darbuotojais, tikimyb\u0119. Tokia situacija gali i\u0161\u0161aukti papildom\u0173 i\u0161laid\u0173 &#8211; sutrikus atsiskaitymo srautui su tiek\u0117ju, pastarasis u\u017e v\u0117lavimus gali prad\u0117ti skai\u010diuoti delspinigius. Ta\u010diau ne ma\u017eiau svarbesni yra ne tik piniginiai nuostoliai, bet ir rizika prarasti svarbius verslo partnerius, darbuotojus ar padaryti \u017eal\u0105 \u012fmon\u0117s \u012fvaizd\u017eiui.<\/p>\n<p>Kiek strigs atsiskaitymai su verslo partneriais, priklauso ir nuo turim\u0173 sukaupt\u0173 rezerv\u0173 ir nuo \u012fmon\u0117s pinig\u0173 deginimo rodiklio (angl. cash burn rate). \u0160is rodiklis parodo, kaip spar\u010diai \u012fmon\u0117 i\u0161naudoja savo turimus gryn\u0173j\u0173 pinig\u0173 rezervus. Pavyzdys \u2013 \u012fmonei per m\u0117nes\u012f reikia 10 000 Eur, kad gal\u0117t\u0173 palaikyti veikl\u0105, ta\u010diau pardavimo pajamos sudaro tik 3 000 Eur, tokiu atveju \u012fmon\u0117s pinig\u0173 deginimo rodiklis yra 7 000 Eur.<\/p>\n<p>Kad i\u0161vengtum\u0117te apyvartinio kapitalo stokos, svarbu su rezervu planuoti pinig\u0173 \u012fplauk\u0173 ir turim\u0173 \u012fsipareigojim\u0173 apmok\u0117jimo terminus, taip pat nusimatyti alternatyvius apyvartinio kapitalo \u0161altinius, kurie b\u016bt\u0173 lengvai pasiekiami esant poreikiui. \u0160iais \u0161altiniais gali b\u016bti likvid\u017eios nuosavos l\u0117\u0161os, trumpalaik\u0117s paskolos i\u0161 finansavimo tiek\u0117j\u0173 ar prekybos sandori\u0173 finansavimas, kur\u012f teikia alternatyv\u016bs finansuotojai \u2013 faktoringo bendrov\u0117s.<\/p>\n<p>Suma\u017einta atsiskaitym\u0173 v\u0117lavimo rizika pad\u0117s apsisaugoti nuo i\u0161augusio pinig\u0173 sraut\u0173 tr\u016bkumo, \u017einoma, svarbu numatyti priemones, pad\u0117sian\u010dias \u0161ios rizikos i\u0161vengti. Patartina \u012fmon\u0117je nustatyti taisykles kaip tvarkysit\u0117s su skol\u0173 valdymu, apsibr\u0117\u017eti konkre\u010dius veiksmus, kuri\u0173 imsit\u0117s, kai pirk\u0117jas v\u0117luos atsiskaityti per tam tikr\u0105 laikotarp\u012f. Praktikoje priimtina, jog \u012fsiskolin\u0119s pirk\u0117jas pirmiausia yra \u012fsp\u0117jamas, po to jam nutraukiamas preki\u0173 ar paslaug\u0173 tiekimas, atsisakoma \u012fgyvendinti naujus u\u017esakymus. Taip pat svarbu reagavimas \u012f \u012fsiskolinimus, informuokite skolinink\u0105 vos atsiradus pradelstam mok\u0117jimui, visada i\u0161siai\u0161kinkite v\u0117lavimo prie\u017eastis ir objektyviai \u012fvertinkite pirk\u0117jo galimybes atsiskaityti.<\/p>\n<p>Ekspertai prognozuoja, jog paai\u0161k\u0117jus tikrosioms tarpusavio atsiskaitymo trikd\u017ei\u0173 apimtims, daugelis \u012fmoni\u0173 gali pereiti prie i\u0161ankstini\u0173 atsiskaitym\u0173 reikalavimo. Parduodan\u010dioms \u012fmon\u0117ms kils dilema, ar reikalauti avanso, ar rizikuoti, pasitik\u0117ti pirk\u0117ju ir galimai v\u0117liau susidurti su skolomis.<\/p>\n<p>\u012emon\u0117, siekdama i\u0161vengti skol\u0173, sudarydama sandorius su naujais klientais pra\u0161o i\u0161ankstinio apmok\u0117jimo. Tik \u012fsitikinusi kliento patikimumu, veiklos s\u0105\u017einingumu ir galima rizika, suteikia mok\u0117jimo atid\u0117jim\u0105 u\u017e parduotas prekes ir suteiktas paslaugas. Dar viena alternatyva \u2013 kliento turto \u012fkeitimas, deja, \u0161i priemon\u0117 gali \u012ftakoti ma\u017eesn\u012f si\u016blom\u0173 preki\u0173 ir paslaug\u0173 patrauklum\u0105 bei priversti potencialius klientus rinktis kit\u0105 tiek\u0117j\u0105.<\/p>\n<p>Kiekvienam verslui patartina tur\u0117ti plan\u0105, kaip elgtis \u0161iuo neu\u017etikrintu laikotarpiu, kaip valdyti rizik\u0105 bei i\u0161laikyti stabilum\u0105. Nemoki\u0173 bei v\u0117luojan\u010di\u0173 atsiskaityti pirk\u0117j\u0173 rizik\u0105 pad\u0117s suma\u017einti atidesnis pirk\u0117j\u0173 monitoringas ir patikrinimas prie\u0161 sudarant sandor\u012f ir sutart\u012f. Pasitelkite vie\u0161ai prieinamomis duomen\u0173 baz\u0117mis ir i\u0161siai\u0161kinkite potencialaus kliento \u012fmon\u0117s veiklos istorij\u0105 ir trukm\u0119, kreditingumo reiting\u0105, \u012fmon\u0117s dyd\u012f. Jei turite toki\u0105 galimyb\u0119, pasidom\u0117kite pagrindiniais \u012fmon\u0117s finansiniais rodikliais: turto ir \u012fsipareigojim\u0173 santykiu, likvid\u017ei\u0173 l\u0117\u0161\u0173 ir trumpalaiki\u0173 \u012fsipareigojim\u0173 santykiu, pelningumu.<\/p>\n<p>\u0160ios priemon\u0117s ir kitos skol\u0173 valdymo praktikos gali atne\u0161ti \u012fmon\u0117ms papildomus administracinius ka\u0161tus, ta\u010diau tuo pa\u010diu ir suma\u017einti nemoki\u0173 klient\u0173 rizik\u0105, taip i\u0161vengiant apyvartini\u0173 l\u0117\u0161\u0173 tr\u016bkumo. Tod\u0117l svarbu nuspr\u0119sti, kokia prisiimama v\u0117luojan\u010di\u0173 mok\u0117jim\u0173 rizika ir kiek papildom\u0173 i\u0161tekli\u0173 jai suvaldyti yra priimtina \u012fmonei.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_module=&#8221;2087&#8243;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h2>\n<h3 style=\"text-align: center;\">Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/lt\/finansavimo-kriterijai\/&#8221; button_text=&#8221;Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/lt\/sign-up&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nors \u0161iuo metu verslai yra labiau paj\u0117g\u016bs atsilaikyti prie\u0161 v\u0117luojamas apmok\u0117ti s\u0105skaitas nei per 2008 m. kriz\u0119, ta\u010diau prekinio kredito draudikai prognozuoja daugiau nei dvigubai i\u0161augusias i\u0161mokas su pirk\u0117j\u0173 nemokumu susid\u016brusioms \u012fmon\u0117ms. Remiantis \u201eCreditinfo Lietuva\u201c duomenimis v\u0117lavimai apmok\u0117ti s\u0105skaitas karantino laikotarpiu i\u0161augo nuo 40-ties iki 60-ties dien\u0173. Labiausiai, kai pradelsiamas tam tikras skai\u010dius dien\u0173 apmok\u0117ti [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21308,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><strong>Advisory board<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"2880","footnotes":""},"categories":[31],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kaip verslui i\u0161vengti v\u0117luojan\u010di\u0173 atsiskaityti rizikos?<\/title>\n<meta name=\"description\" content=\"Remiantis \u201eCreditinfo Lietuva\u201c duomenimis v\u0117lavimai apmok\u0117ti s\u0105skaitas karantino laikotarpiu i\u0161augo nuo 40-ties iki 60-ties dien\u0173.\" \/>\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\/naujienos\/kaip-isvengti-veluojanciu-atsiskaityti-rizikos\/\" \/>\n<meta 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