{"id":4683,"date":"2023-10-02T11:07:59","date_gmt":"2023-10-02T09:07:59","guid":{"rendered":"https:\/\/ibservice.co.uk\/?p=4683"},"modified":"2024-09-08T16:06:28","modified_gmt":"2024-09-08T14:06:28","slug":"skolu-nurasymas-jk-bankrotas-ir-jo-alternatyvos","status":"publish","type":"post","link":"https:\/\/ibservice.co.uk\/lt\/skolu-nurasymas-jk-bankrotas-ir-jo-alternatyvos\/","title":{"rendered":"Skol\u0173 nura\u0161ymas JK: bankrotas ir jo alternatyvos"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Bet kas gali susidurti su finansiniais sunkumais, tod\u0117l labai svarbu \u017einoti apie esamas su skolomis susijusi\u0173 problem\u0173 sprendimo galimybes. Jungtin\u0117je Karalyst\u0117je skol\u0173 nura\u0161ymo sprendimai yra skirti \u012fvairioms finansin\u0117ms situacijoms ir poreikiams. \u0160io straipsnio tikslas \u2013 aptarti tris galimas skol\u0173 nura\u0161ymo proced\u016bras: individual\u0173 savanori\u0161k\u0105 susitarim\u0105, skolos nura\u0161ymo order\u012f ir bankrot\u0105. Mes pasigilinsime \u012f kiekvieno pasirinkimo aspektus, tinkamumo kriterijus ir pasekmes, kad pateiktume pagr\u012fst\u0105 informacij\u0105 priimant j\u016bs\u0173 ateities finansinius sprendimus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Individualus savanori\u0161kas susitarimas<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Individualus savanori\u0161kas susitarimas (angl. Individual Voluntary Arrangement arba&nbsp; IVA) yra \u012fpareigojantis susitarimas tarp j\u016bs\u0173 ir j\u016bs\u0173 kreditori\u0173, skirtas pad\u0117ti jums gr\u0105\u017einti skolas per nustatyt\u0105 laikotarp\u012f, paprastai nuo penkeri\u0173 iki \u0161e\u0161eri\u0173 met\u0173. IVA yra tinkantis pasirinkimas asmenims, turintiems dideli\u0173 skol\u0173 be u\u017estato, toki\u0173 kaip kredito korteli\u0173 skolos, asmenin\u0117s paskolos ir einam\u0173j\u0173 s\u0105skait\u0173 skolos (angl. Overdraft).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pagrindin\u0117s IVA ypatyb\u0117s<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jums reik\u0117s bendradarbiauti su nemokumo specialistu (angl. Insolvency Practitioner arba IP), kuris \u012fvertins j\u016bs\u0173 finansin\u0119 pad\u0117t\u012f, pad\u0117s sudaryti skol\u0173 gr\u0105\u017einimo plan\u0105 ir der\u0117sis u\u017e jus su kreditoriais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At\u0117mus pragyvenimo i\u0161laidas, m\u0117nesin\u0117s skol\u0173 gr\u0105\u017einimo \u012fmokos da\u017eniausiai nustatomos pagal j\u016bs\u0173 galimybes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sudarius ir pasira\u0161ius IVA, pal\u016bkanos ir mokes\u010diai u\u017e j\u016bs\u0173 skolas yra atidedami. J\u016bs\u0173 kreditoriai negali imtis joki\u0173 teisini\u0173 veiksm\u0173 arba kreiptis \u012f jus d\u0117l skolos gr\u0105\u017einimo. Pasibaigus sutartam laikotarpiui, visos likusios skolos, \u012ftrauktos \u012f IVA, paprastai yra nura\u0161omos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tinkamumo IVA variantui kriterijai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>J\u016bs\u0173 skolos turi siekti bent 6 000 GBP.<\/li>\n\n\n\n<li>B\u016btina tur\u0117ti pajam\u0173, kad gal\u0117tum\u0117te mok\u0117ti m\u0117nesines \u012fmokas.<\/li>\n\n\n\n<li>Turite b\u016bti Anglijos, Velso arba \u0160iaur\u0117s Airijos gyventojas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>IVA pasekm\u0117s<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J\u016bs\u0173 kredito reitingas bus neigiamas. IVA bus \u012fra\u0161yta \u012f j\u016bs\u0173 kredito ataskait\u0105 ir galios 6 metus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IVA galiojimo laikotarpiu negal\u0117site imti kredito be nemokumo specialisto patvirtinimo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IVA gali tur\u0117ti \u012ftakos tam tikroms teis\u0117s ar finans\u0173 profesijoms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Skol\u0173 nura\u0161ymo orderis<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Skol\u0173 nura\u0161ymo orderis (angl. Debt Relief Order arba DRO) yra nemokumo variantas, skirtas asmenims, turintiems ma\u017eai turto ir palyginti ma\u017eas skolas. Jis skirtas pagelb\u0117ti tiems, kurie grei\u010diausiai negr\u0105\u017eins savo skol\u0173 per priimtin\u0105 laikotarp\u012f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0160tai keletas pagrindini\u0173 DRO ypatybi\u0173:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">12 m\u0117nesi\u0173 DRO laikotarpiu jums nereikia reguliariai mok\u0117ti savo kreditoriams. Dauguma skol\u0173 be u\u017estato ir \u012ftraukt\u0173 \u012f skol\u0173 nura\u0161ymo order\u012f (DRO), bus nura\u0161ytos 12 m\u0117nesi\u0173 laikotarpio pabaigoje. Per \u0161\u012f laik\u0105 kreditoriai negali veikti prie\u0161 jus arba kreiptis \u012f jus d\u0117l skol\u0173 gr\u0105\u017einimo. DRO yra priimtinesnis variantas, palyginti su proced\u016bromis, susijusiomis su bankrotu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tinkamumo DRO kriterijai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>J\u016bs\u0173 skolos turi b\u016bti ma\u017eesn\u0117s nei 30&nbsp;000 GBP.<\/li>\n\n\n\n<li>J\u016bs\u0173 atliekamos pajamos tur\u0117t\u0173 b\u016bti ma\u017eesn\u0117s nei 75 GBP per m\u0117nes\u012f.<\/li>\n\n\n\n<li>Jums reikia tur\u0117ti turto ir santaup\u0173.<\/li>\n\n\n\n<li>Turite gyventi Anglijoje, Velse arba \u0160iaur\u0117s Airijoje.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DRO pasekm\u0117s<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J\u016bs\u0173 kredito reitingas bus neigiamai 6 metus, tod\u0117l bus sunku gauti kredit\u0105. DRO gali tur\u0117ti \u012ftakos kai kurioms profesijoms ir pozicijoms darbe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bankrotas<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankrotas yra nemokumo \u012fgyvendinimo proced\u016bra, paprastai laikoma paskutine i\u0161eitimi asmenims, susid\u016brusiems su did\u017eiul\u0117mis skolomis. Tai apima viso asmeninio turto, \u012fskaitant b\u016bst\u0105, pardavim\u0105, jeigu to reikia, kad gr\u0105\u017eintum\u0117te skolas kreditoriams. Visos likusios skolos paprastai atleid\u017eiamos ir esate i\u0161vaduojami nuo kreditori\u0173 spaudimo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Norint i\u0161kelti bankroto byl\u0105, minimalios skol\u0173 ribos beveik n\u0117ra. Tokiu atveju geriausia tur\u0117ti ry\u0161\u012f su JK \u010dia gyvenant arba turint nekilnojamojo turto. Bankrotas gali b\u016bti inicijuotas savanori\u0161kai arba kreditori\u0173 reikalavimu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kaip ir kiti skol\u0173 nura\u0161ymo sprendimai, bankrotas gali tur\u0117ti \u012ftakos tam tikroms profesijoms ir pozicijoms darbe, j\u016bs\u0173 kredito reitingui ir galimybei gauti kredit\u0105 ilg\u0105 laik\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u017demiau matote lentel\u0119, kurioje apra\u0161omi individualaus savanori\u0161ko susitarimo (IVA), skolos nura\u0161ymo orderio (DRO) ir bankroto skirtumai.<\/p>\n\n\n\n<figure class=\"wp-block-table custom-nicer-table\"><table><thead><tr><th>Ypatyb\u0117<\/th><th>IVA<\/th><th>DRO<\/th><th>Bankrotas<\/th><\/tr><\/thead><tbody><tr><td>Minimali skola<\/td><td>6&nbsp;000 GBP<\/td><td>30&nbsp;000 GBP ar ma\u017eiau<\/td><td>5&nbsp;000 GBP<\/td><\/tr><tr><td>Turtas<\/td><td>Turi tur\u0117ti galimyb\u0119 mok\u0117ti m\u0117nesines \u012fmokas<\/td><td>Turi tur\u0117ti turto ma\u017eiau negu 2&nbsp;000 GBP vert\u0117s<\/td><td>Turtas bus parduotas skol\u0173 gra\u017einimui<\/td><\/tr><tr><td>Poveikis kreditingumui<\/td><td>Neigiamai paveiks kreditingum\u0105 6 metams<\/td><td>Neigiamai paveiks kreditingum\u0105 6 metams<\/td><td>Neigiamai paveiks kreditingum\u0105 iki 10 met\u0173<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">J\u016bs\u0173 situacijai tinkamos nemokumo proced\u016bros nustatymas priklauso nuo j\u016bs\u0173 konkre\u010di\u0173 aplinkybi\u0173. Jei nesate tikri, kur\u012f variant\u0105 pasirinkti, tuomet labai svarbu kreiptis \u012f skol\u0173 patar\u0117j\u0105 arba nemokumo specialist\u0105. Jei vis dar turite klausim\u0173 arba norite prad\u0117ti nemokumo \u012fgyvendinimo proces\u0105, maloniai kvie\u010diame susisieti su IB Service ir pasinaudoti m\u016bs\u0173 tarpininkavimo paslauga. I\u0161samiai paai\u0161kinsime bendradarbiavimo proces\u0105 inicijuojant kreipim\u0105si \u012f nemokumo specialist\u0105.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bet kas gali susidurti su finansiniais sunkumais, tod\u0117l labai svarbu \u017einoti apie esamas su skolomis susijusi\u0173 problem\u0173 sprendimo galimybes. Jungtin\u0117je Karalyst\u0117je skol\u0173 nura\u0161ymo sprendimai yra skirti \u012fvairioms finansin\u0117ms situacijoms ir poreikiams. \u0160io straipsnio tikslas \u2013 aptarti tris galimas skol\u0173 nura\u0161ymo&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4684,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-4683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-straipsniai"],"acf":[],"_links":{"self":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/posts\/4683","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/comments?post=4683"}],"version-history":[{"count":4,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/posts\/4683\/revisions"}],"predecessor-version":[{"id":4965,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/posts\/4683\/revisions\/4965"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/media\/4684"}],"wp:attachment":[{"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/media?parent=4683"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/categories?post=4683"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ibservice.co.uk\/lt\/wp-json\/wp\/v2\/tags?post=4683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}