{"id":19545,"date":"2026-05-07T09:54:30","date_gmt":"2026-05-07T09:54:30","guid":{"rendered":"https:\/\/cp.snarskis.lt\/index.php\/2026\/05\/07\/amerikiecius-smaugia-automobiliu-imokos-skola-pasieke-156-trln-euru-imokos-sauna-aukstyn\/"},"modified":"2026-05-07T09:54:30","modified_gmt":"2026-05-07T09:54:30","slug":"amerikiecius-smaugia-automobiliu-imokos-skola-pasieke-156-trln-euru-imokos-sauna-aukstyn","status":"publish","type":"post","link":"https:\/\/cp.snarskis.lt\/index.php\/2026\/05\/07\/amerikiecius-smaugia-automobiliu-imokos-skola-pasieke-156-trln-euru-imokos-sauna-aukstyn\/","title":{"rendered":"Amerikie\u010dius smaugia automobili\u0173 \u012fmokos: skola pasiek\u0117 1,56 trln. eur\u0173, \u012fmokos \u0161auna auk\u0161tyn"},"content":{"rendered":"

JAV gyventoj\u0173 automobili\u0173 paskol\u0173 ir lizingo na\u0161ta spar\u010diai did\u0117ja: bendra su transportu susijusi skola 2025 met\u0173 pabaigoje pasiek\u0117 apie 1,56 trilijono eur\u0173. Nauja analiz\u0117 rodo, kad per kelerius metus augo ir vidutin\u0117 pasiskolinta suma, ir m\u0117nesin\u0117s \u012fmokos, tod\u0117l vis daugiau \u0161eim\u0173 priverstos per\u017ei\u016br\u0117ti kasdienes i\u0161laidas.<\/p>\n

Skai\u010diuojama, kad automobili\u0173 paskol\u0173 ar lizingo \u012fsipareigojim\u0173 turi apie 86 milijonai amerikie\u010di\u0173, tai yra ma\u017edaug kas ketvirtas gyventojas. Analiz\u0117je vertinti tiek \u012fprasti i\u0161simok\u0117tinai \u012fsigyjami automobiliai, tiek lizingo sutartys, kurios taip pat didina m\u0117nesin\u0119 finansin\u0119 na\u0161t\u0105.<\/p>\n

Kod\u0117l \u012fmokos taip i\u0161augo<\/h2>\n

Vidutin\u0117 naujos automobili\u0173 paskolos suma 2025 met\u0173 pabaigoje siek\u0117 apie 31 200 eur\u0173, kai 2018 met\u0173 pabaigoje buvo apie 23 100 eur\u0173. Kartu augo ir vidutin\u0117 m\u0117nesin\u0117 \u012fmoka: ji vir\u0161ijo 630 eur\u0173, o prie\u0161 kelerius metus buvo apie 470 eur\u0173.<\/p>\n

Did\u0117jim\u0105 labiausiai stumia dvi prie\u017eastys: brangstantys automobiliai ir auk\u0161tesn\u0117s pal\u016bkanos. Vartotojams da\u017enai tenka rinktis tarp didesn\u0117s m\u0117nesin\u0117s \u012fmokos arba ilgesnio paskolos termino, kuris suma\u017eina \u012fmok\u0105 \u0161iandien, bet gerokai padidina bendr\u0105 sumokam\u0105 sum\u0105 per vis\u0105 laikotarp\u012f.<\/p>\n

\u201e\u017dmon\u0117s mato, kad vis didesn\u0119 j\u0173 algos dal\u012f suvalgo automobilio \u012fmokos\u201c, \u2013 sak\u0117 Angela Hanks.<\/p>\n

Pigi\u0173 nauj\u0173 automobili\u0173 beveik neliko<\/h2>\n

Rinkos steb\u0117tojai atkreipia d\u0117mes\u012f, kad \u012fperkam\u0173 nauj\u0173 automobili\u0173 pasi\u016bla yra smarkiai sumenkusi. Vidutin\u0117 naujo automobilio sandorio kaina art\u0117ja prie 45 600 eur\u0173, kai 2018 metais da\u017eniau svyravo apie 32 500\u201334 400 eur\u0173, o pajam\u0173 augimas \u0161io \u0161uolio nekompensavo.<\/p>\n

Dalis gamintoj\u0173 vis labiau koncentruojasi \u012f didesnes pajamas turin\u010dius pirk\u0117jus, kurie lengviau atlaiko ekonominius sukr\u0117timus ir pal\u016bkan\u0173 \u0161uolius. D\u0117l to \u017eemiausios kain\u0173 kategorijos modeli\u0173 pasirinkimas siaur\u0117ja, o pirk\u0117jai, anks\u010diau tur\u0117j\u0119 daugiau alternatyv\u0173, dabar da\u017eniau priversti skolintis daugiau.<\/p>\n

Pal\u016bkanos kyla, terminai ilg\u0117ja<\/h2>\n

Vidutin\u0117 metin\u0117 pal\u016bkan\u0173 norma nauj\u0173 automobili\u0173 finansavimui 2026 met\u0173 prad\u017eioje siek\u0117 apie 6,9 proc. Ta\u010diau vartotojams, kuri\u0173 kredito istorija silpnesn\u0117, pal\u016bkanos gali vir\u0161yti 18 proc., o tai reik\u0161mingai padidina galutin\u0119 automobilio kain\u0105 vien d\u0117l pal\u016bkan\u0173.<\/p>\n

Kartu ilg\u0117ja ir paskol\u0173 terminai: daugiau nei penktadalis nauj\u0173 automobili\u0173 finansavimo sandori\u0173 2026 met\u0173 prad\u017eioje buvo sudaromi septyneriems metams ar ilgiau. Toks sprendimas trumpuoju laikotarpiu ma\u017eina m\u0117nesin\u0119 \u012fmok\u0105, bet didina rizik\u0105 atsidurti situacijoje, kai automobilio vert\u0117 rinkoje tampa ma\u017eesn\u0117 nei likusi negr\u0105\u017einta skola.<\/p>\n

Augan\u010dios \u012fmokos daro spaudim\u0105 ir kitoms biud\u017eeto eilut\u0117ms, nes papildomi \u0161imtai eur\u0173 kas m\u0117nes\u012f da\u017enai \u201enuimami\u201c nuo maisto, nuomos, santaup\u0173 ar finansinio rezervo. Ekspertai pabr\u0117\u017eia, kad b\u016btent \u0161iame etape finansinis pa\u017eeid\u017eiamumas i\u0161auga, o vienas netik\u0117tas sukr\u0117timas gali greitai paversti \u012fsipareigojimus sunkiai pakeliamais.<\/p>\n","protected":false},"excerpt":{"rendered":"

JAV automobili\u0173 skola pasiek\u0117 apie 1,56 trilijono eur\u0173, o vidutin\u0117s \u012fmokos ir pal\u016bkanos kyla, ver\u010diant gyventojus skolintis ilgesniam laikui.<\/p>\n","protected":false},"author":0,"featured_media":19546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[11040,11042,11041,11043,3362,134,11044],"miestas":[],"class_list":["post-19545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technologijos","tag-automobiliu-paskolos","tag-edmunds","tag-jav-vartotojai","tag-kelley-blue-book","tag-lizingas","tag-palukanu-normos","tag-the-century-foundation"],"acf":[],"_links":{"self":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/posts\/19545","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/comments?post=19545"}],"version-history":[{"count":0,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/posts\/19545\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/media\/19546"}],"wp:attachment":[{"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/media?parent=19545"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/categories?post=19545"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/tags?post=19545"},{"taxonomy":"miestas","embeddable":true,"href":"https:\/\/cp.snarskis.lt\/index.php\/wp-json\/wp\/v2\/miestas?post=19545"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}