{"id":6773,"date":"2018-05-09T12:24:00","date_gmt":"2018-05-09T12:24:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6773"},"modified":"2026-05-25T11:00:26","modified_gmt":"2026-05-25T11:00:26","slug":"kreditingumo-reitingas-ir-viskas-ka-reikia-zinoti","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kreditingumo-reitingas-ir-viskas-ka-reikia-zinoti\/","title":{"rendered":"Kreditingumo reitingas ir viskas, k\u0105 verslas turi apie j\u012f \u017einoti"},"content":{"rendered":"\n

Kredito reitingas svarbus kiekvienai verslo \u012fmonei \u2013 jis vaidina lemiam\u0105 reik\u0161m\u0119 finansiniams tarpininkams sprend\u017eiant kokiomis s\u0105lygomis suteikti \u012fmonei paskol\u0105 ir ar ji apskritai gali b\u016bti suteikta.<\/h2>\n\n\n\n

Priimant sprendim\u0105 d\u0117l verslo finansavimo da\u017enai svarbus ne tik \u012fmon\u0117s, ta\u010diau ir jos savininko kredito reitingas. Ir tai svarbu ne tik siekiant gauti verslo paskol\u0105, bet ir daugeliu kit\u0173 atvej\u0173.\u00a0<\/p>\n\n\n\n

Pavyzd\u017eiui:<\/p>\n\n\n\n

    \n
  1. Kredito reitingas svarbus \u012fmon\u0117s verslo partneriams, tiek\u0117jams, pardav\u0117jams. Jei jis \u017eemas, tiek\u0117jai nesuteiks ilg\u0173 atsiskaitymo termin\u0173, bus norima, kad u\u017e prekes ar reikalingas \u017ealiavas \u012fmon\u0117 sumok\u0117t\u0173 i\u0161 anksto.<\/li>\n\n\n\n
  2. Remiantis kredito reitingais draudimo kompanijos apskai\u010diuoja verslo rizik\u0105 bei draudimo \u012fmok\u0173 dyd\u012f.<\/li>\n\n\n\n
  3. Siekiant dalyvauti vie\u0161\u0173j\u0173 pirkim\u0173 konkursuose, kredito reitingas taip pat yra svarbus, nes kartais pirkimo s\u0105lygose yra nustatomas minimalus kreditingumo lygis.<\/li>\n\n\n\n
  4. Auk\u0161tas kreditingumo reitingas leid\u017eia naudotis verslo paskolomis be papildom\u0173 garantij\u0173 ar asmeninio turto u\u017estatymo ir sudaro s\u0105lygas gauti didesn\u0119 paskolos sum\u0105.<\/li>\n\n\n\n
  5. Nuo turimo kredito reitingo priklauso paskolos s\u0105lygos bei pal\u016bkan\u0173 normos dydis.<\/li>\n<\/ol>\n\n\n\n

    Lietuvoje \u012fmoni\u0173 bei fizini\u0173 asmen\u0173 kreditingumo duomenis renka ir vertina kredito biuras \u201eCreditinfo\u201c. Kredito biure nustatytus kredito reitingus mato bankai, lizingo bendrov\u0117s, degalini\u0173 operatoriai, draudimo ir kitos \u012fmon\u0117s. Taigi \u012f k\u0105 kreipiamas d\u0117mesys vertinant \u012fmon\u0117s kreditingum\u0105, ir k\u0105 daryti, kad jis b\u016bt\u0173 \u012fvertintas teigiamai?\u00a0<\/p>\n\n\n\n

    Pagrindiniai kredito reitingo vertinimo elementai<\/strong><\/h2>\n\n\n\n
      \n
    • Kredito (paskol\u0173) panaudojimo lygis;<\/li>\n\n\n\n
    • Mok\u0117jim\u0173 istorija;<\/li>\n\n\n\n
    • Skolinimosi laikotarpiai;<\/li>\n\n\n\n
    • Turimos skolos;<\/li>\n\n\n\n
    • Vie\u0161ieji \u012fra\u0161ai (teismo nutartys, baudos, ie\u0161kiniai);<\/li>\n\n\n\n
    • \u012emon\u0117s dydis;<\/li>\n\n\n\n
    • Pramon\u0117s \u0161akos rizika.<\/li>\n<\/ul>\n\n\n\n

      Siekdami tur\u0117ti auk\u0161tai vertinam\u0105 kreditingumo reiting\u0105, tur\u0117tum\u0117te atkreipti d\u0117mes\u012f \u012f \u0161iuos dalykus:<\/strong><\/p>\n\n\n\n

        \n
      1. Niekada nepradelskite paskolos \u012fmok\u0173 mok\u0117jimo termin\u0173. Geriau sumok\u0117kite \u012fmokas keliomis dienomis anks\u010diau.<\/li>\n\n\n\n
      2. Intensyviai panaudokite jau turimas verslo paskolas. Neimkite paskolos, jei ji Jums n\u0117ra b\u016btina ir negal\u0117site jos visos panaudoti. Paimta, ta\u010diau nenaudojama paskola daro neigiam\u0105 \u012ftak\u0105 skai\u010diuojant kredito reiting\u0105.<\/li>\n\n\n\n
      3. Laiku pateikite ataskaitas tiek Registr\u0173 centrui, tiek Valstybinei mokes\u010di\u0173 inspekcijai ir Sodrai, kad kredito biuras matyt\u0173 piln\u0105 ir savalaik\u0119 informacij\u0105 apie \u012fmon\u0119.<\/li>\n<\/ol>\n\n\n\n

        Jei esate pradedantis verslininkas, J\u016bs\u0173 kaip fizinio asmens kredito reitingas taip pat bus labai svarbus priimant sprendim\u0105 d\u0117l verslo paskolos suteikimo. Kol \u012fmon\u0117 neturi solid\u017eios savo kredito istorijos, \u012fmon\u0117s savininko kreditingumo duomenys gali vaidinti svarb\u0173 vaidmen\u012f priimant sprendim\u0105 d\u0117l paskolos suteikimo. Kiekvienam verslininkui svarbu pasir\u016bpinti, kad \u012fmon\u0117s ir jo asmeniniai kredito reitingai b\u016bt\u0173 gerai vertinami ir kad tai nesudaryt\u0173 kli\u016b\u010di\u0173 esant poreikiui pasinaudoti paskolomis verslo pl\u0117trai. Atkreipkite d\u0117mes\u012f \u012f auk\u0161\u010diau i\u0161vardintus punktus ir neteks susidurti su neigiamu finansinio tarpininko atsakymu d\u0117l verslo paskolos suteikimo.<\/p>\n","protected":false},"excerpt":{"rendered":"

        Kredito reitingas svarbus kiekvienai verslo \u012fmonei \u2013 jis vaidina lemiam\u0105 reik\u0161m\u0119 finansiniams tarpininkams sprend\u017eiant kokiomis s\u0105lygomis suteikti \u012fmonei paskol\u0105 ir ar ji apskritai gali b\u016bti…<\/p>\n","protected":false},"author":1,"featured_media":35566,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","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":""},"categories":[36],"tags":[49],"class_list":["post-6773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansavimo-gidas","tag-verslas"],"yoast_head":"\nViskas, k\u0105 verslas turi \u017einoti apie kreditingumo reiting\u0105<\/title>\n<meta name=\"description\" content=\"Kredito reitingas svarbus 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