{"id":9902665,"date":"2026-09-08T13:58:16","date_gmt":"2026-09-08T11:58:16","guid":{"rendered":"https:\/\/revestus.lt\/r\/?p=9902665"},"modified":"2026-09-08T14:00:17","modified_gmt":"2026-09-08T12:00:17","slug":"sutelktinio-finansavimo-platformos-lietuvoje","status":"publish","type":"post","link":"https:\/\/revestus-front-lt.egroup.eu\/r\/blog\/sutelktinio-finansavimo-platformos-lietuvoje\/","title":{"rendered":"Sutelktinio finansavimo platformos Lietuvoje: kaip pasirinkti tinkam\u0105?"},"content":{"rendered":"\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-3be910a\" id=\"gspb_image-id-gsbp-3be910a\"><img decoding=\"async\" src=\"https:\/\/revestus.lt\/r\/wp-content\/uploads\/2026\/09\/Sutelktinio-finansavimo-platformos-lietuvoje-hero.png\" data-src=\"\" alt=\"Sutelktinio finansavimo platformos Lietuvoje \u2013 Revestus investavimo gidas\" loading=\"lazy\" width=\"1672\" height=\"941\"\/><\/div>\n\n\n\n<p>Sutelktinio finansavimo platformos suteikia galimyb\u0119 investuotojams finansuoti verslo projektus internetu, pasirenkant konkre\u010dius finansavimo pasi\u016blymus ir investuojam\u0105 sum\u0105. Ta\u010diau skirtingos platformos gali skirtis finansuojam\u0173 projekt\u0173 pob\u016bd\u017eiu, j\u0173 atrankos kriterijais, u\u017etikrinimo priemon\u0117mis, investavimo s\u0105lygomis ir rizikos valdymo procesais.<\/p>\n\n\n\n<p>Tod\u0117l renkantis, <strong>kuri sutelktinio finansavimo platforma tinkamiausia<\/strong>, vien si\u016blomos pal\u016bkan\u0173 normos nepakanka.<\/p>\n\n\n\n<p>Investuotojui svarbu suprasti, kas pri\u017ei\u016bri platform\u0105, kokius projektus ji finansuoja, kaip juos vertina, kokia informacija pateikiama prie\u0161 investuojant ir kas vyksta projekto savininkui laiku nevykdant \u012fsipareigojim\u0173.<\/p>\n\n\n\n<p>\u0160iame gide aptarsime svarbiausius kriterijus, pagal kuriuos galima palyginti <strong>sutelktinio finansavimo platformas Lietuvoje<\/strong>.<\/p>\n\n\n\n<p>Jeigu pirmiausia norite suprasti pat\u012f investavimo model\u012f, skaitykite m\u016bs\u0173 gid\u0105 <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-sutelktinis-finansavimas\/\" target=\"_blank\" rel=\"noopener\">Kas yra sutelktinis finansavimas ir kaip jis veikia<\/a>?\u201c<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kas-yra-sutelktinio-finansavimo-platforma\"><strong>Kas yra sutelktinio finansavimo platforma?<\/strong><\/h2>\n\n\n\n<p><strong>Sutelktinio finansavimo platforma<\/strong> \u2013 tai skaitmenin\u0117 sistema, per kuri\u0105 sutelktinio finansavimo paslaug\u0173 teik\u0117jas sujungia finansavimo ie\u0161kan\u010dius verslo projekt\u0173 savininkus su investuotojais.<\/p>\n\n\n\n<p>Paskolomis grind\u017eiamo sutelktinio finansavimo atveju investuotojai suteikia paskolas arba j\u0173 dalis verslo projektams, o projekto savininkas pagal nustatytas s\u0105lygas \u012fsipareigoja gr\u0105\u017einti paskol\u0105 ir mok\u0117ti pal\u016bkanas.<\/p>\n\n\n\n<p>Platformos funkcijos gali apimti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>projekt\u0173 savinink\u0173 vertinim\u0105;<\/li>\n\n\n\n<li>finansavimo pasi\u016blym\u0173 pateikim\u0105;<\/li>\n\n\n\n<li>informacijos investuotojams administravim\u0105;<\/li>\n\n\n\n<li>investavimo proceso organizavim\u0105;<\/li>\n\n\n\n<li>paskol\u0173 ir mok\u0117jim\u0173 administravim\u0105;<\/li>\n\n\n\n<li>v\u0117luojan\u010di\u0173 \u012fsipareigojim\u0173 valdym\u0105.<\/li>\n<\/ul>\n\n\n\n<p>Svarbu suprasti, kad <strong>platforma ir projekto savininkas n\u0117ra tas pats subjektas<\/strong>. Investuotojas prisiima konkretaus finansuojamo projekto kredito ir kitas investicijos rizikas.<\/p>\n\n\n\n<p>Platformos licencija taip pat nerei\u0161kia, kad kiekvienas joje paskelbtas projektas yra saugus ar kad investuotojui garantuojamas paskolos gr\u0105\u017einimas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kaip-reguliuojamos-sutelktinio-finansavimo-platformos-lietuvoje\"><strong>Kaip reguliuojamos sutelktinio finansavimo platformos Lietuvoje?<\/strong><\/h2>\n\n\n\n<p>Europos S\u0105jungoje verslo sutelktinio finansavimo paslaugas reglamentuoja <strong><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/lt\/ALL\/?uri=CELEX:32020R1503\" target=\"_blank\" rel=\"noopener\">Reglamentas (ES) 2020\/1503 d\u0117l Europos sutelktinio finansavimo paslaug\u0173 teik\u0117j\u0173<\/a><\/strong>.<\/p>\n\n\n\n<p>Reglamentas nustato bendrus reikalavimus sutelktinio finansavimo paslaug\u0173 teik\u0117jams ir investuotoj\u0173 apsaugai. Leidim\u0105 gav\u0119 paslaug\u0173 teik\u0117jai, laikydamiesi nustatyt\u0173 reikalavim\u0173, gali teikti sutelktinio finansavimo paslaugas ir kitose Europos S\u0105jungos valstyb\u0117se.<\/p>\n\n\n\n<p>Lietuvoje sutelktinio finansavimo paslaug\u0173 teik\u0117j\u0173 prie\u017ei\u016br\u0105 vykdo <strong><a href=\"https:\/\/www.lb.lt\/\" target=\"_blank\" rel=\"noopener\">Lietuvos bankas<\/a><\/strong>, o <a href=\"https:\/\/registers.esma.europa.eu\/publication\/searchRegister?core=esma_registers_upreg\" target=\"_blank\" rel=\"noopener\">ESMA skelbia autorizuot\u0173 Europos sutelktinio finansavimo paslaug\u0173 teik\u0117j\u0173 registr\u0105<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kodel-licencija-svarbi\"><strong>Kod\u0117l licencija svarbi?<\/strong><\/h3>\n\n\n\n<p>Prie\u0161 investuojant vienas pirm\u0173j\u0173 veiksm\u0173 tur\u0117t\u0173 b\u016bti patikrinti, ar paslaug\u0173 teik\u0117jas turi teis\u0119 teikti sutelktinio finansavimo paslaugas.<\/p>\n\n\n\n<p>Licencijuotam paslaug\u0173 teik\u0117jui taikomi reikalavimai, susij\u0119 su:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>veiklos organizavimu;<\/li>\n\n\n\n<li>interes\u0173 konflikt\u0173 valdymu;<\/li>\n\n\n\n<li>informacijos investuotojams pateikimu;<\/li>\n\n\n\n<li>investuotoj\u0173 apsauga;<\/li>\n\n\n\n<li>skund\u0173 nagrin\u0117jimu;<\/li>\n\n\n\n<li>veiklos t\u0119stinumu ir rizik\u0173 valdymu.<\/li>\n<\/ul>\n\n\n\n<p>Ta\u010diau <strong>licencija n\u0117ra investicijos garantija<\/strong>. Ji rei\u0161kia, kad paslaug\u0173 teik\u0117jas turi teis\u0119 vykdyti reguliuojam\u0105 veikl\u0105 ir jam taikoma prie\u017ei\u016bra.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ar-visos-investavimo-platformos-yra-sutelktinio-finansavimo-platformos\"><strong>Ar visos investavimo platformos yra sutelktinio finansavimo platformos?<\/strong><\/h2>\n\n\n\n<p>Ne. Terminas <strong>\u201einvestavimo platformos\u201c<\/strong> vartojamas gerokai pla\u010diau, o skirtingos platformos gali suteikti prieig\u0105 prie visi\u0161kai skirting\u0173 investavimo priemoni\u0173.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-a635622\" id=\"gspb_container-id-gsbp-a635622\">\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Platformos r\u016b\u0161is<\/strong><\/td><td><strong>\u012e k\u0105 paprastai investuojama?<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Vertybini\u0173 popieri\u0173 brokeriai<\/td><td>Akcijos, ETF, obligacijos ir kiti vertybiniai popieriai<\/td><\/tr><tr><td>Bank\u0173 investavimo platformos<\/td><td>Fondai, akcijos, obligacijos ir kitos investicin\u0117s priemon\u0117s<\/td><\/tr><tr><td>Sutelktinio finansavimo platformos<\/td><td>Verslo paskolos arba tam tikros investicin\u0117s priemon\u0117s<\/td><\/tr><tr><td>Tarpusavio skolinimo platformos<\/td><td>Da\u017eniausiai fizini\u0173 asmen\u0173 paskolos<\/td><\/tr><tr><td>Investicij\u0173 valdymo platformos<\/td><td>Valdomi ar automatizuoti investicij\u0173 portfeliai<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<p>Tod\u0117l ie\u0161kant <strong>investavimo platformos Lietuvoje<\/strong> pirmiausia reik\u0117t\u0173 apsispr\u0119sti, \u012f kokio tipo turt\u0105 ar finansavimo priemon\u0119 norima investuoti.<\/p>\n\n\n\n<p>Jeigu dar tik formuojate savo investavimo strategij\u0105, skaitykite m\u016bs\u0173 i\u0161sam\u0173 gid\u0105 <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kur-investuoti-pinigus\/\" target=\"_blank\" rel=\"noopener\">Kur investuoti pinigus 2026 m.?<\/a>\u201c<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kaip-palyginti-sutelktinio-finansavimo-platformas-lietuvoje\"><strong>Kaip palyginti sutelktinio finansavimo platformas Lietuvoje?<\/strong><\/h2>\n\n\n\n<p>Vienos \u201egeriausios\u201c platformos visiems investuotojams n\u0117ra. Tinkamas pasirinkimas priklauso nuo investuotojo tiksl\u0173, priimtinos rizikos, investavimo termino ir norimos portfelio strukt\u016bros.<\/p>\n\n\n\n<p>Ta\u010diau yra keli kriterijai, kuriuos verta patikrinti visada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"patikrinkite-platformos-licencija\"><strong>Patikrinkite platformos licencij\u0105<\/strong><\/h3>\n\n\n\n<p>Pirmiausia patikrinkite, kas yra platformos operatorius ir ar jis turi teis\u0119 teikti sutelktinio finansavimo paslaugas.<\/p>\n\n\n\n<p>Tai galima padaryti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lb.lt\/lt\/finansu-rinku-dalyviai\" target=\"_blank\" rel=\"noopener\">Lietuvos banko finans\u0173 rinkos dalyvi\u0173 registre<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/registers.esma.europa.eu\/publication\/searchRegister?core=esma_registers_upreg\" target=\"_blank\" rel=\"noopener\">ESMA skelbiamame Europos sutelktinio finansavimo paslaug\u0173 teik\u0117j\u0173 registre<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Vien platformos svetain\u0117je pateikiamu teiginiu apie reguliavim\u0105 pasikliauti neb\u016btina \u2013 informacij\u0105 galima patikrinti oficialiame registre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ivertinkite-kokius-projektus-platforma-finansuoja\"><strong>\u012evertinkite, kokius projektus platforma finansuoja<\/strong><\/h3>\n\n\n\n<p>Sutelktinio finansavimo platformos gali specializuotis skirtingose srityse, pavyzd\u017eiui:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>nekilnojamojo turto vystymo;<\/li>\n\n\n\n<li>verslo pl\u0117tros;<\/li>\n\n\n\n<li>apyvartinio kapitalo;<\/li>\n\n\n\n<li>energetikos;<\/li>\n\n\n\n<li>\u012frangos \u012fsigijimo;<\/li>\n\n\n\n<li>kituose verslo projektuose.<\/li>\n<\/ul>\n\n\n\n<p>Specializacija pati savaime n\u0117ra nei privalumas, nei tr\u016bkumas. Ta\u010diau investuotojui svarbu suprasti, <strong>kokio pob\u016bd\u017eio rizik\u0105 jis prisiima<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"issiaiskinkite-kaip-atrenkami-projektai\"><strong>I\u0161siai\u0161kinkite, kaip atrenkami projektai<\/strong><\/h3>\n\n\n\n<p>Vienas svarbiausi\u0173 platformos vertinimo kriterij\u0173 \u2013 <strong>kaip projektas patenka \u012f platform\u0105<\/strong>.<\/p>\n\n\n\n<p>Verta i\u0161siai\u0161kinti, ar vertinama:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>projekto savininko finansin\u0117 b\u016bkl\u0117;<\/li>\n\n\n\n<li>kredito istorija ir turimi \u012fsipareigojimai;<\/li>\n\n\n\n<li>projekto ekonominis pagr\u012fstumas;<\/li>\n\n\n\n<li>projekto savininko patirtis;<\/li>\n\n\n\n<li>paskolos gr\u0105\u017einimo \u0161altinis;<\/li>\n\n\n\n<li>u\u017etikrinimo priemon\u0117s;<\/li>\n\n\n\n<li>\u012fkei\u010diamo turto vert\u0117, jei paskola u\u017etikrinama NT;<\/li>\n\n\n\n<li>projekto rizikos veiksniai.<\/li>\n<\/ul>\n\n\n\n<p>Ta\u010diau net ir i\u0161samus platformos atliktas vertinimas nepanaikina investavimo rizikos.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-78dfab0\" id=\"gspb_container-id-gsbp-78dfab0\">\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-9c6e254\" id=\"gspb_container-id-gsbp-9c6e254\">\n<p class=\"has-palette-color-1-color has-text-color has-link-color has-poppins-font-family has-medium-font-size wp-elements-99c671894f5a471cfa4815e91d6dec11\" style=\"line-height:1.3\"><strong>Eksperto \u012f\u017evalga<\/strong><\/p>\n\n\n\n<p class=\"has-poppins-font-family\">Projekto atranka yra svarbi, ta\u010diau investuotojas netur\u0117t\u0173 vertinimo visi\u0161kai perduoti platformai. Platforma projektus atrenka pagal savo kriterijus ir pateikia investuotojui informacij\u0105, ta\u010diau galutin\u012f sprendim\u0105, ar konkretaus projekto rizika jam priimtina, priima pats investuotojas.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\" style=\"margin-top:0;margin-right:var(--wp--preset--spacing--40);margin-bottom:0;margin-left:var(--wp--preset--spacing--40)\">\u2014 <em>Revestus finansavimo komanda<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ziurekite-ne-tik-i-palukanu-norma\"><strong>\u017di\u016br\u0117kite ne tik \u012f pal\u016bkan\u0173 norm\u0105<\/strong><\/h3>\n\n\n\n<p>Auk\u0161tesn\u0117 pal\u016bkan\u0173 norma gali atrodyti patraukliai, ta\u010diau ji netur\u0117t\u0173 b\u016bti pagrindinis kriterijus renkantis projekt\u0105 ar platform\u0105.<\/p>\n\n\n\n<p>Vertinant konkret\u0173 pasi\u016blym\u0105 reik\u0117t\u0173 kartu analizuoti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pal\u016bkan\u0173 norm\u0105;<\/li>\n\n\n\n<li>paskolos termin\u0105;<\/li>\n\n\n\n<li>paskolos gr\u0105\u017einimo \u0161altin\u012f;<\/li>\n\n\n\n<li>projekto savininko finansin\u0119 b\u016bkl\u0119;<\/li>\n\n\n\n<li>u\u017etikrinimo priemones;<\/li>\n\n\n\n<li>projekto rizik\u0105.<\/li>\n<\/ul>\n\n\n\n<p>Pavyzd\u017eiui, vien tai, kad viename projekte si\u016bloma 11 %, o kitame \u2013 9 % metini\u0173 pal\u016bkan\u0173, neleid\u017eia nuspr\u0119sti, kuri investicija yra patrauklesn\u0117. Tam reikia \u012fvertinti ir prisiimam\u0105 rizik\u0105.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-f63597a\" id=\"gspb_container-id-gsbp-f63597a\">\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-78da4d3\" id=\"gspb_container-id-gsbp-78da4d3\">\n<p class=\"has-palette-color-1-color has-text-color has-link-color has-poppins-font-family has-medium-font-size wp-elements-99c671894f5a471cfa4815e91d6dec11\" style=\"line-height:1.3\"><strong>Eksperto \u012f\u017evalga<\/strong><\/p>\n\n\n\n<p class=\"has-poppins-font-family\">Auk\u0161tesn\u0117s pal\u016bkanos savaime nerei\u0161kia geresn\u0117s investicijos. Vertinant projekt\u0105 svarbu \u017ei\u016br\u0117ti \u012f visum\u0105: kas yra paskolos gav\u0117jas, i\u0161 koki\u0173 pinig\u0173 paskola bus gr\u0105\u017einta, kokia projekto finansin\u0117 strukt\u016bra ir kokios u\u017etikrinimo priemon\u0117s numatytos. Tik tuomet si\u016blom\u0105 pal\u016bkan\u0173 norm\u0105 galima vertinti prisiimamos rizikos kontekste.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\" style=\"margin-top:0;margin-right:var(--wp--preset--spacing--40);margin-bottom:0;margin-left:var(--wp--preset--spacing--40)\">\u2014 <em>Revestus finansavimo komanda<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ivertinkite-kiek-informacijos-pateikiama-apie-projekta\"><strong>\u012evertinkite, kiek informacijos pateikiama apie projekt\u0105<\/strong><\/h3>\n\n\n\n<p>Prie\u0161 investuojant svarbu \u012fvertinti ne tik informacijos kiek\u012f, bet ir jos kokyb\u0119.<\/p>\n\n\n\n<p>Projekto pristatymas tur\u0117t\u0173 leisti suprasti bent keturis dalykus:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Kam skolinami pinigai?<\/strong><\/li>\n\n\n\n<li><strong>Kam jie bus panaudoti?<\/strong><\/li>\n\n\n\n<li><strong>I\u0161 ko paskola bus gr\u0105\u017einta?<\/strong><\/li>\n\n\n\n<li><strong>Kas nutikt\u0173, jei pradinis gr\u0105\u017einimo planas ne\u012fvykt\u0173?<\/strong><\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-f606ff9\" id=\"gspb_container-id-gsbp-f606ff9\">\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-df91d3f\" id=\"gspb_container-id-gsbp-df91d3f\">\n<p class=\"has-palette-color-1-color has-text-color has-link-color has-poppins-font-family has-medium-font-size wp-elements-99c671894f5a471cfa4815e91d6dec11\" style=\"line-height:1.3\"><strong>Eksperto \u012f\u017evalga<\/strong><\/p>\n\n\n\n<p class=\"has-poppins-font-family\">Vertinant projekt\u0105 vienas svarbiausi\u0173 klausim\u0173 yra ne \u201ekiek vertas u\u017estatas?\u201c, o <strong>\u201ei\u0161 ko paskola bus gr\u0105\u017einta?\u201c<\/strong>. U\u017estatas yra papildoma kreditoriaus interes\u0173 apsaugos priemon\u0117, ta\u010diau pirmiausia turi b\u016bti ekonomi\u0161kai pagr\u012fstas ir realus paskolos gr\u0105\u017einimo \u0161altinis.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\">Potencialiems investuotojams taip pat pateikiamas <strong>Pagrindin\u0117s informacijos apie investicij\u0105 dokumentas (PIID)<\/strong>, kuriame pateikiama esmin\u0117 informacija apie projekt\u0105, projekto savinink\u0105, investicijos s\u0105lygas ir pagrindines rizikas.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\">Tod\u0117l prie\u0161 investuojant verta perskaityti ne tik trump\u0105 projekto apra\u0161ym\u0105, bet ir PIID bei kitus pateikiamus dokumentus.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\" style=\"margin-top:0;margin-right:var(--wp--preset--spacing--40);margin-bottom:0;margin-left:var(--wp--preset--spacing--40)\">\u2014 <em>Revestus finansavimo komanda<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ivertinkite-uztikrinimo-priemones\"><strong>\u012evertinkite u\u017etikrinimo priemones<\/strong><\/h3>\n\n\n\n<p>Kai paskola u\u017etikrinama nekilnojamuoju turtu, investuotojui svarbu suprasti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>koks turtas \u012fkei\u010diamas;<\/li>\n\n\n\n<li>kokia jo vert\u0117;<\/li>\n\n\n\n<li>kas ir kada atliko vertinim\u0105;<\/li>\n\n\n\n<li>kokia hipotekos eil\u0117;<\/li>\n\n\n\n<li>koks paskolos ir turto vert\u0117s santykis (LTV).<\/li>\n<\/ul>\n\n\n\n<p><strong>LTV (Loan-to-Value)<\/strong> parodo paskolos sumos santyk\u012f su \u012fkei\u010diamo turto verte. Ma\u017eesnis LTV paprastai rei\u0161kia didesn\u0119 turto vert\u0117s atsarg\u0105 galimam vert\u0117s suma\u017e\u0117jimui, ta\u010diau \u0161io rodiklio negalima vertinti izoliuotai.<\/p>\n\n\n\n<p>Svarbu prisiminti:<\/p>\n\n\n\n<p><strong>Paskola su u\u017estatu n\u0117ra tas pats, kas garantuota investicija.<\/strong><\/p>\n\n\n\n<p>\u012ekeisto turto vert\u0117 gali suma\u017e\u0117ti, jo realizavimas gali u\u017etrukti, o gaut\u0173 l\u0117\u0161\u0173 gali nepakakti visiems \u012fsipareigojimams padengti.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-3cf3e0f\" id=\"gspb_container-id-gsbp-3cf3e0f\">\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-767b7d9\" id=\"gspb_container-id-gsbp-767b7d9\">\n<p class=\"has-palette-color-1-color has-text-color has-link-color has-poppins-font-family has-medium-font-size wp-elements-99c671894f5a471cfa4815e91d6dec11\" style=\"line-height:1.3\"><strong>Eksperto \u012f\u017evalga<\/strong><\/p>\n\n\n\n<p class=\"has-poppins-font-family\">Vertinant NT u\u017etikrint\u0105 paskol\u0105 svarbu ne tik tai, kad hipoteka egzistuoja. Reik\u0161m\u0119 turi hipotekos eil\u0117, turto vert\u0117 ir likvidumas, paskolos ir turto vert\u0117s santykis bei tai, kiek realisti\u0161ka b\u016bt\u0173 turt\u0105 realizuoti nepalankaus scenarijaus atveju.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\">LTV ir hipotekos reik\u0161m\u0119 investuotojui i\u0161samiau aptarsime atskiruose Revestus giduose.<\/p>\n\n\n\n<p class=\"has-poppins-font-family\" style=\"margin-top:0;margin-right:var(--wp--preset--spacing--40);margin-bottom:0;margin-left:var(--wp--preset--spacing--40)\">\u2014 <em>Revestus finansavimo komanda<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"patikrinkite-kas-vyksta-projektui-pradejus-veluoti\"><strong>Patikrinkite, kas vyksta projektui prad\u0117jus v\u0117luoti<\/strong><\/h3>\n\n\n\n<p>Platform\u0105 verta vertinti ne tik pagal tai, kaip lengva investuoti, bet ir pagal tai, <strong>kas vyksta, kai projektas nevyksta pagal plan\u0105<\/strong>.<\/p>\n\n\n\n<p>Prie\u0161 investuojant verta i\u0161siai\u0161kinti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kaip investuotojai informuojami apie v\u0117lavim\u0105;<\/li>\n\n\n\n<li>koki\u0173 veiksm\u0173 imamasi projekto savininko at\u017evilgiu;<\/li>\n\n\n\n<li>kas atstovauja investuotoj\u0173 interesams;<\/li>\n\n\n\n<li>kada gali b\u016bti prad\u0117tas i\u0161ie\u0161kojimas;<\/li>\n\n\n\n<li>kaip realizuojamos u\u017etikrinimo priemon\u0117s.<\/li>\n<\/ul>\n\n\n\n<p>Net tinkamai organizuotas i\u0161ie\u0161kojimas gali u\u017etrukti ir negarantuoja visos investuotos sumos susigr\u0105\u017einimo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"patikrinkite-mokescius-ir-investicijos-likviduma\"><strong>Patikrinkite mokes\u010dius ir investicijos likvidum\u0105<\/strong><\/h3>\n\n\n\n<p>Prie\u0161 registruojantis verta patikrinti platformos kainodar\u0105.<\/p>\n\n\n\n<p>Gali b\u016bti taikomi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>investavimo;<\/li>\n\n\n\n<li>administravimo;<\/li>\n\n\n\n<li>l\u0117\u0161\u0173 pervedimo;<\/li>\n\n\n\n<li>investicijos perleidimo;<\/li>\n\n\n\n<li>kiti mokes\u010diai.<\/li>\n<\/ul>\n\n\n\n<p>Taip pat svarbu suprasti, ar investicij\u0105 galima perleisti anks\u010diau termino.<\/p>\n\n\n\n<p>Sutelktinio finansavimo investicijos paprastai n\u0117ra tokios likvid\u017eios kaip bir\u017eoje prekiaujamos akcijos ar ETF. Net jei platformoje yra investicij\u0173 perleidimo ar skelbim\u0173 lentos funkcija, tai nerei\u0161kia, kad investicijai bet kada atsiras pirk\u0117jas.<\/p>\n\n\n\n<p>Tod\u0117l verta planuoti, kad investuotos l\u0117\u0161os gali b\u016bti susietos iki paskolos termino pabaigos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"10-klausimu-pries-pasirenkant-sutelktinio-finansavimo-platforma\"><strong>10 klausim\u0173 prie\u0161 pasirenkant sutelktinio finansavimo platform\u0105<\/strong><\/h2>\n\n\n\n<p>Prie\u0161 prad\u0117dami investuoti, atsakykite \u012f \u0161iuos klausimus:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Ar platforma turi reikaling\u0105 leidim\u0105?<\/strong><\/li>\n\n\n\n<li><strong>Kas yra platformos operatorius?<\/strong><\/li>\n\n\n\n<li><strong>Kokio tipo projektus platforma finansuoja?<\/strong><\/li>\n\n\n\n<li><strong>Kaip atrenkami projektai?<\/strong><\/li>\n\n\n\n<li><strong>Koki\u0105 informacij\u0105 gaunu prie\u0161 investuodamas?<\/strong><\/li>\n\n\n\n<li><strong>Koks pagrindinis paskolos gr\u0105\u017einimo \u0161altinis?<\/strong><\/li>\n\n\n\n<li><strong>Kokios u\u017etikrinimo priemon\u0117s taikomos?<\/strong><\/li>\n\n\n\n<li><strong>Kas vyksta projektui prad\u0117jus v\u0117luoti?<\/strong><\/li>\n\n\n\n<li><strong>Kokius mokes\u010dius mok\u0117siu?<\/strong><\/li>\n\n\n\n<li><strong>Ar suprantu, kiek laiko mano pinigai gali b\u016bti nelikvid\u016bs?<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Jeigu \u012f dal\u012f \u0161i\u0173 klausim\u0173 platformoje sunku rasti atsakymus, prie\u0161 investuojant verta papra\u0161yti papildomos informacijos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ar-verta-investuoti-per-kelias-sutelktinio-finansavimo-platformas\"><strong>Ar verta investuoti per kelias sutelktinio finansavimo platformas?<\/strong><\/h2>\n\n\n\n<p>Investicij\u0173 paskirstymas tarp keli\u0173 platform\u0173 gali suma\u017einti priklausomyb\u0119 nuo vieno paslaug\u0173 teik\u0117jo, ta\u010diau <strong>vien platform\u0173 skai\u010dius n\u0117ra tikra diversifikacija<\/strong>.<\/p>\n\n\n\n<p>Svarbu paskirstyti investicijas ir tarp skirting\u0173:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>projekt\u0173;<\/li>\n\n\n\n<li>projekto savinink\u0173;<\/li>\n\n\n\n<li>termin\u0173;<\/li>\n\n\n\n<li>geografini\u0173 vietovi\u0173;<\/li>\n\n\n\n<li>verslo modeli\u0173;<\/li>\n\n\n\n<li>gr\u0105\u017einimo \u0161altini\u0173.<\/li>\n<\/ul>\n\n\n\n<p>Pavyzd\u017eiui, investavimas per tris platformas \u012f pana\u0161ius to paties NT segmento projektus tame pa\u010diame mieste gali suteikti ma\u017eiau diversifikacijos, nei i\u0161 pirmo \u017evilgsnio atrodo.<\/p>\n\n\n\n<p>Jeigu investavim\u0105 pradedate nuo ma\u017eesn\u0117s sumos, skaitykite praktin\u012f gid\u0105 <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kur-investuoti-1000-euru\/\" target=\"_blank\" rel=\"noopener\">Kur investuoti 1000 eur\u0173? Geriausios investavimo id\u0117jos 2026 m.<\/a>\u201c<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kuo-pasizymi-revestus\"><strong>Kuo pasi\u017eymi Revestus?<\/strong><\/h2>\n\n\n\n<p><strong>Revestus<\/strong> yra Lietuvos banko pri\u017ei\u016brimas sutelktinio finansavimo paslaug\u0173 teik\u0117jas, orientuotas \u012f verslo projekt\u0173 finansavim\u0105.<\/p>\n\n\n\n<p>Platformoje investuotojams pateikiami konkret\u016bs finansavimo projektai, j\u0173 s\u0105lygos, rizikos informacija ir investiciniam sprendimui reikalingi dokumentai.<\/p>\n\n\n\n<p>Revestus veikloje didelis d\u0117mesys skiriamas <strong>nekilnojamuoju turtu u\u017etikrintoms paskoloms<\/strong>, tod\u0117l vertinant projektus analizuojamas projekto savininkas, paskolos gr\u0105\u017einimo \u0161altinis, u\u017etikrinimo priemon\u0117s ir \u012fkei\u010diamo turto vert\u0117.<\/p>\n\n\n\n<p>Ta\u010diau ir investuojant \u012f u\u017etikrintas paskolas i\u0161lieka rizika prarasti dal\u012f arba visas investuotas l\u0117\u0161as.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"isvada-kaip-pasirinkti-sutelktinio-finansavimo-platforma\"><strong>I\u0161vada: kaip pasirinkti sutelktinio finansavimo platform\u0105?<\/strong><\/h2>\n\n\n\n<p>Renkantis <strong>sutelktinio finansavimo platform\u0105 Lietuvoje<\/strong>, prad\u0117ti verta ne nuo klausimo:<\/p>\n\n\n\n<p><strong>\u201eKur si\u016blomos did\u017eiausios pal\u016bkanos?\u201c<\/strong><\/p>\n\n\n\n<p>Naudingiau klausti:<\/p>\n\n\n\n<p><strong>\u201eAr suprantu, \u012f k\u0105 investuoju ir koki\u0105 rizik\u0105 prisiimu?\u201c<\/strong><\/p>\n\n\n\n<p>Prie\u0161 investuojant verta patikrinti platformos licencij\u0105, projekt\u0173 atrankos proces\u0105, finansuojam\u0173 projekt\u0173 pob\u016bd\u012f, pateikiamos informacijos kokyb\u0119, u\u017etikrinimo priemones, v\u0117lavim\u0173 valdym\u0105, mokes\u010dius ir investicij\u0173 likvidum\u0105.<\/p>\n\n\n\n<p><strong>Gera platforma nepanaikina investavimo rizikos. Ji turi suteikti pakankamai ai\u0161kios informacijos, kad investuotojas gal\u0117t\u0173 t\u0105 rizik\u0105 suprasti ir priimti informuot\u0105 sprendim\u0105.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"norite-susipazinti-su-revestus-projektais\"><strong>Norite susipa\u017einti su Revestus projektais?<\/strong><\/h2>\n\n\n\n<p>Revestus platformoje galite per\u017ei\u016br\u0117ti \u0161iuo metu finansuojamus projektus, j\u0173 finansavimo s\u0105lygas, u\u017etikrinimo priemones, rizikos informacij\u0105 ir investuotojams pateikiamus dokumentus.<\/p>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-5c3e748\" id=\"gspb_button-id-gsbp-5c3e748\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/revestus.lt\/start-investing?lang=lt\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>PER\u017dI\u016aR\u0116TI INVESTAVIMO PROJEKTUS<\/strong><\/span><\/span><\/span><\/a><\/div>\n\n\n\n<section class=\"wp-block-greenshift-blocks-row alignfull gspb_row gspb_row-id-gsbp-a970617\" id=\"gspb_row-id-gsbp-a970617\"><div class=\"gspb_row__content\"> \n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--12 gspb_col-id-gsbp-0eb3189\" id=\"gspb_col-id-gsbp-0eb3189\">\n<h2 id=\"gspb_heading-id-gsbp-528cbac\" class=\"gspb_heading gspb_heading-id-gsbp-528cbac \">D. U. K.<\/h2>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordion gs-accordion gspb_accordion-id-gsbp-0fda6cb\" id=\"gspb_accordion-id-gsbp-0fda6cb\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e941259 gsclose\" id=\"gspb_accordionitem-gsbp-e941259\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-0\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-e941259\"><div class=\"gs-accordion-item__heading\"><strong>Kas yra sutelktinio finansavimo platforma?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Kas yra sutelktinio finansavimo platforma?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-0\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e941259\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Tai platforma, per kuri\u0105 sutelktinio finansavimo paslaug\u0173 teik\u0117jas sujungia verslo projekt\u0173 savininkus, ie\u0161kan\u010dius finansavimo, su investuotojais.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-11dded8 gsclose\" id=\"gspb_accordionitem-gsbp-11dded8\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-1\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-11dded8\"><div class=\"gs-accordion-item__heading\"><strong>Ar sutelktinio finansavimo platformos Lietuvoje yra reguliuojamos?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar sutelktinio finansavimo platformos Lietuvoje yra reguliuojamos?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-1\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-11dded8\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Taip. Verslo sutelktinio finansavimo paslaugoms Europos S\u0105jungoje taikomas Reglamentas (ES) 2020\/1503, o Lietuvoje \u0161ios rinkos prie\u017ei\u016br\u0105 vykdo Lietuvos bankas.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e6eae37 gsclose\" id=\"gspb_accordionitem-gsbp-e6eae37\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-2\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-e6eae37\"><div class=\"gs-accordion-item__heading\"><strong>Kaip patikrinti sutelktinio finansavimo platform\u0105?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Kaip patikrinti sutelktinio finansavimo platform\u0105?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-2\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e6eae37\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Pirmiausia patikrinkite, ar paslaug\u0173 teik\u0117jas yra oficialiame Lietuvos banko arba ESMA registre. Toliau verta \u012fvertinti projekt\u0173 atrank\u0105, pateikiamos informacijos kokyb\u0119, v\u0117luojan\u010di\u0173 paskol\u0173 valdym\u0105, mokes\u010dius ir investicij\u0173 likvidum\u0105.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-2d4df38 gsclose\" id=\"gspb_accordionitem-gsbp-2d4df38\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-3\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-2d4df38\"><div class=\"gs-accordion-item__heading\"><strong>Kuri sutelktinio finansavimo platforma Lietuvoje geriausia?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Kuri sutelktinio finansavimo platforma Lietuvoje geriausia?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-3\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-2d4df38\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Vienos geriausios platformos visiems investuotojams n\u0117ra. Platformos gali skirtis finansuojam\u0173 projekt\u0173 pob\u016bd\u017eiu, rizika, terminais, u\u017etikrinimo priemon\u0117mis ir investavimo s\u0105lygomis.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-252f6ae gsclose\" id=\"gspb_accordionitem-gsbp-252f6ae\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-4\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-252f6ae\"><div class=\"gs-accordion-item__heading\"><strong>Ar licencijuota platforma garantuoja investicij\u0173 saugum\u0105?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar licencijuota platforma garantuoja investicij\u0173 saugum\u0105?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-4\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-252f6ae\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Ne. Licencija rei\u0161kia, kad paslaug\u0173 teik\u0117jas turi teis\u0119 vykdyti reguliuojam\u0105 veikl\u0105 ir jam taikoma prie\u017ei\u016bra. Ji negarantuoja konkretaus projekto s\u0117km\u0117s ar paskolos gr\u0105\u017einimo.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-1cf9a50 gsclose\" id=\"gspb_accordionitem-gsbp-1cf9a50\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-5\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-1cf9a50\"><div class=\"gs-accordion-item__heading\"><strong>Ar NT hipoteka garantuoja paskolos gr\u0105\u017einim\u0105?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar NT hipoteka garantuoja paskolos gr\u0105\u017einim\u0105?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-5\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-1cf9a50\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Ne. Hipoteka yra u\u017etikrinimo priemon\u0117, ta\u010diau \u012fkeisto turto vert\u0117 gali suma\u017e\u0117ti, realizavimas gali u\u017etrukti, o gaut\u0173 l\u0117\u0161\u0173 gali nepakakti visiems \u012fsipareigojimams padengti.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-76278c7 gsclose\" id=\"gspb_accordionitem-gsbp-76278c7\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-6\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-76278c7\"><div class=\"gs-accordion-item__heading\"><strong><strong>Ar sutelktinio finansavimo investicijoms taikomas ind\u0117li\u0173 draudimas?<\/strong><\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;<strong&gt;Ar sutelktinio finansavimo investicijoms taikomas ind\u0117li\u0173 draudimas?<\/strong&gt;<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-6\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-76278c7\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Ne. Sutelktinio finansavimo investicijos n\u0117ra banko ind\u0117liai ir joms netaikoma ind\u0117li\u0173 garantij\u0173 apsauga.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/section>\n\n\n\n<p><strong>Svarbi informacija<\/strong><\/p>\n\n\n\n<p><strong>Investavimas yra susij\u0119s su rizika. Investuotojai gali prarasti dal\u012f arba visas investuotas l\u0117\u0161as. Investicij\u0173 gr\u0105\u017ea n\u0117ra garantuojama. Sutelktinio finansavimo investicijoms netaikoma ind\u0117li\u0173 garantij\u0173 apsauga.<\/strong><\/p>\n\n\n\n<p>Prie\u0161 priimdami investavimo sprendim\u0105 susipa\u017einkite su PIID ir kitais projekto dokumentais, \u012fvertinkite savo finansines galimybes bei konkretaus projekto rizikas.<\/p>\n\n\n\n<p>\u0160iame straipsnyje pateikiama informacija yra bendrojo pob\u016bd\u017eio ir n\u0117ra individuali investavimo rekomendacija.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sutelktinio finansavimo platformos suteikia galimyb\u0119 investuotojams finansuoti verslo projektus internetu, pasirenkant konkre\u010dius finansavimo pasi\u016blymus ir investuojam\u0105 sum\u0105. Ta\u010diau skirtingos platformos gali skirtis finansuojam\u0173 projekt\u0173 pob\u016bd\u017eiu, j\u0173 atrankos kriterijais, u\u017etikrinimo priemon\u0117mis, investavimo s\u0105lygomis ir rizikos valdymo procesais. Tod\u0117l renkantis, kuri sutelktinio finansavimo platforma tinkamiausia, vien si\u016blomos pal\u016bkan\u0173 normos nepakanka. Investuotojui svarbu suprasti, kas pri\u017ei\u016bri platform\u0105, kokius [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9902667,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"#gspb_image-id-gsbp-3be910a 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