{"id":25361,"date":"2023-08-31T12:48:19","date_gmt":"2023-08-31T09:48:19","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=25361"},"modified":"2026-01-23T12:20:09","modified_gmt":"2026-01-23T10:20:09","slug":"finansine-poros-neistikimybe-maza-paslaptis-ar-didele-nuodeme","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lt\/news-cases\/finansine-poros-neistikimybe-maza-paslaptis-ar-didele-nuodeme\/","title":{"rendered":"Finansin\u0117 poros nei\u0161tikimyb\u0117: ma\u017ea paslaptis ar didel\u0117 nuod\u0117m\u0117?"},"content":{"rendered":"

Ar esate gird\u0117j\u0119 draug\u0119 pasakojant apie internetu perkamus daiktus, kuri\u0173 pristatymui ji nurodo savo darboviet\u0117s adres\u0105? O draug\u0105 \u2013 apie tai, kad turi sl\u0117pti nuo \u017emonos, kiek kainuoja jo pom\u0117giui reikalingi daiktai? Tai galima vadinti finansine poros nei\u0161tikimybe, kurios propagavimas gali supurtyti ar net sugriauti ir tvir\u010diausios poros pamatus.<\/strong><\/p>\n

Finans\u0173 valdymo ekspertai pastebi, kad m\u016bs\u0173 t\u0117vams \u012fprastas bendras sutuoktini\u0173 biud\u017eetas, kuomet \u0161eimos pajamos b\u016bdavo valdomos bendru sprendimu, \u0161iandien virsta atsakomybi\u0173 pasidalijimu ir susitarimais, kas poroje dengia kokias i\u0161laidas. Pinig\u0173 valdymui keliantis \u012f elektronin\u0119 erdv\u0119 ir nykstant bendros \u0161eimos \u201ekasos\u201c sampratai, biud\u017eeto valdymo poroje susitarimai tampa kaip niekada svarb\u016bs.<\/p>\n

Svarbiausia sutarti \u2212 kas, u\u017e k\u0105 ir kaip atsakingas<\/strong><\/h4>\n

Pasak \u201eSwedbank\u201c Finans\u0173 instituto vadov\u0117s J\u016brat\u0117s Cvilikien\u0117s, tvarkant pinigus atskirai, neb\u0117ra taip paprasta kontroliuoti ir bendras nam\u0173 \u016bkio i\u0161laidas. Ta\u010diau nepaisant to, ar j\u016bs\u0173 pinigai \u201ebendrame katile\u201c, ar atskirose s\u0105skaitose, \u0161eimos biud\u017eet\u0105 patartina valdyti vadovaujantis pagrindiniu asmenini\u0173 finans\u0173 valdymo principu \u2013 i\u0161laidos neturi vir\u0161yti pajam\u0173.<\/p>\n

\u201ePradedant gyvenim\u0105 kartu svarbu pa\u010dioje prad\u017eioje apsibr\u0117\u017eti esminius finans\u0173 valdymo dalykus. Jei i\u0161sikeliami tikslai, jie abiem poroje turi b\u016bti vienodai suprantami ir svarb\u016bs. Nuspr\u0119skite, pavyzd\u017eiui, k\u0105 j\u016bs\u0173 poroje rei\u0161kia s\u0105voka \u201ebrangus pirkinys\u201c ir nuo kokios sumos prie\u0161 \u012fsigydami pirkin\u012f turite pasitarti su antr\u0105ja puse. Tai ne tik pad\u0117s i\u0161vengti barni\u0173, bet ir nutarti, koki\u0173 pirkini\u0173 j\u016bs\u0173 porai reikia labiausiai\u201c, \u2212 sako J. Cvilikien\u0117.<\/p>\n

\u201eSwedbank\u201c finans\u0173 valdymo ekspert\u0117 pataria periodi\u0161kai per\u017ei\u016br\u0117ti ne tik bendras nam\u0173 i\u0161laidas, bet ir finansinius \u012fsipareigojimus bei tikslus, kad paskendus kasdienyb\u0117je neu\u017esimir\u0161t\u0173 ilgalaikiai planai ir siekiai. Net nustatytas bendr\u0105sias taisykles verta retkar\u010diais prisiminti, kad \u012fsitikintum\u0117me, jog jos vis dar veiksmingos ir priimtinos abiem.<\/p>\n

Argi tai dovana?<\/strong>!<\/strong><\/h4>\n

Svarbu apsibr\u0117\u017eti ne tik kasdieni\u0173 i\u0161laid\u0173, bet ir, pavyzd\u017eiui, dovan\u0173 vert\u0117s limitus. \u201ePasitaiko, kad viena i\u0161 poros pusi\u0173 taupo didelei staigmenai ir \u012fteikia j\u0105 per Kal\u0117das, to paties tik\u0117damasi i\u0161 savo partnerio. Tuo metu antroji pus\u0117 nuperka dovan\u0117l\u0119, kuri toli gra\u017eu neprilygsta gautajai. Be abejo, toks neadekvatumas abu poroje gali nuvilti ir \u0161ventin\u0117 nuotaika subj\u016bra. Pana\u0161i\u0173 nesusipratim\u0173 i\u0161vengsite, jei sutarsite, kokios vert\u0117s dovanas bei kokiomis progomis galite dovanoti kitiems\u201c, \u2212 komentuoja J. Cvilikien\u0117.<\/p>\n

Kita vertus, ji akcentuoja, jog reikia nepamir\u0161ti, kad gyvenantys poroje yra partneriai. Vienas did\u017eiausi\u0173 poros prana\u0161um\u0173 yra tai, kad galima pasidalyti savo d\u017eiaugsmu ir, \u017einoma, nenutyl\u0117ti, jei yra problem\u0173.<\/p>\n

\u201eNebijokite kalb\u0117ti apie finansus, \u012fvairius sprendimus ar net klaidas. Bendri sprendimai gali pad\u0117ti lengviau rasti i\u0161eit\u012f ar net i\u0161saugoti darn\u0105. Net jei kyla gin\u010das, pasistenkite i\u0161likti racional\u016bs \u2013 konstruktyviai kalb\u0117kit\u0117s siekdami atrasti silpn\u0105sias vietas ir pasistenkite jas ilgainiui taisyti, o ne kaltinti vienas kit\u0105. Atvirumas kalbant apie finansus yra labai svarbus, nes ne\u017einant, kaip yra i\u0161 ties\u0173, galima priimti neracionalius sprendimus\u201c, \u2212 pabr\u0117\u017eia \u201eSwedbank\u201c Finans\u0173 instituto vadov\u0117.<\/p>\n

Kada reikalingas sutuoktinio leidimas?<\/strong><\/h4>\n

Renata Cibulskien\u0117, \u201eCobalt\u201c vyresnioji teisinink\u0117, sako, kad kai kalbama apie i\u0161 ties\u0173 brangius pirkinius, yra ai\u0161kiai apibr\u0117\u017eta, kada yra reikalingas ra\u0161ytinis sutuoktinio sutikimas.<\/p>\n

\u201eKai norima sudaryti sandorius, susijusius su bendr\u0105ja jungtine sutuoktini\u0173 nuosavybe, pavyzd\u017eiui, nekilnojamuoju turtu, vertybiniais popieriais ar bendra \u012fmone, sutuoktinio ra\u0161ytinis sutikimas yra reikalingas. Taip u\u017etikrinama sutuoktiniams bendrai priklausan\u010di\u0173 daiktini\u0173 teisi\u0173 apsauga nuo vieno sutuoktinio savo rizika prisiimt\u0173 \u012fsipareigojim\u0173. Tokius sandorius sutuoktiniai sudaro bendrai arba vienas i\u0161 sutuoktini\u0173 turi kito sutuoktinio \u012fgaliojim\u0105 tok\u012f sandor\u012f sudaryti\u201c, \u2212 komentuoja R. Cibulskien\u0117.<\/p>\n

Ta\u010diau, pasak teisinink\u0117s, jei antroji pus\u0117 nutaria \u012fsigyti, pavyzd\u017eiui, jacht\u0105, kurios \u012fsigijimui ra\u0161ytinis kito sutuoktinio sutikimas n\u0117ra reikalingas, tuomet sutuoktinis gali tai padaryti vienas.<\/p>\n

Vis tik svarbu nepamir\u0161ti, kad santuokoje \u012fgyti pirkiniai skirti \u0161eimos poreikiams tampa bendra nuosavybe, o tai rei\u0161kia, kad ir prievol\u0117s, atsirandan\u010dios i\u0161 tokios pirkimo\u2013pardavimo sutarties, bus bendros.<\/p>\n

Teisi\u0161kai leid\u017eiama, bet ar pritars antroji pus\u0117?<\/strong><\/h4>\n

\u201eTeisi\u0161kai be sutuoktinio leidimo antroji pus\u0117 yra pakankamai finansi\u0161kai laisva priimti viena\u0161ali\u0161kus sprendimus. Be sutuoktinio leidimo galima skolintis pinig\u0173, mat paskolos sutartis nepriskiriama prie sandori\u0173, kuriais yra \u012fgyvendinamos paskolos gav\u0117jo, kaip bendro turto savininko, teis\u0117s\u201c, \u2212 sako \u201eCobalt\u201c vyresnioji teisinink\u0117.<\/p>\n

Ji pabr\u0117\u017eia, kad kiekvienas sutuoktinis taip pat turi teis\u0119 be kito sutuoktinio sutikimo atidaryti banko depozitin\u0119 s\u0105skait\u0105 savo vardu ir laisvai disponuoti joje esan\u010diomis l\u0117\u0161omis, jeigu tos pinigin\u0117s l\u0117\u0161os nebuvo perduotos bendrajai jungtinei nuosavybei.<\/p>\n

Be to, kiekvienas sutuoktinis turi teis\u0119 sudaryti sandorius, b\u016btinus i\u0161laikyti \u0161eimos nam\u0173 \u016bk\u012f ir u\u017etikrinti vaik\u0173 aukl\u0117jim\u0105 bei \u0161vietim\u0105.<\/p>\n

Visgi prie\u0161 priimant svarb\u0173 finansin\u012f sprendim\u0105, teisinink\u0117 pataria \u012fvertinti ir emocin\u012f aspekt\u0105. \u201eNors pirkinys ir gali b\u016bti pakeliamas \u0161eimos finansams, ta\u010diau veikiant be antrosios pus\u0117s sutikimo, pyk\u010diui ir nemaloniems tarpusavio gin\u010dams leidimo taip pat nereikia\u201c, \u2212 sen\u0105 ties\u0105 primena\u00a0 R. Cibulskien\u0117.<\/p>\n

Advokat\u0173 kontoros COBALT vyresnioji teisinink\u0117 Renata Cibulskien\u0117 ir \u201eSwedbank\u201c Finans\u0173 instituto vadov\u0117 J\u016brat\u0117 Cvilikien\u0117<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Ar esate gird\u0117j\u0119 draug\u0119 pasakojant apie internetu perkamus daiktus, kuri\u0173 pristatymui ji nurodo savo darboviet\u0117s adres\u0105? O draug\u0105 \u2013 apie tai, kad turi sl\u0117pti nuo \u017emonos, kiek kainuoja jo pom\u0117giui reikalingi daiktai? Tai galima vadinti finansine poros nei\u0161tikimybe, kurios propagavimas..<\/p>\n","protected":false},"author":6,"featured_media":28086,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"country":[92],"class_list":["post-25361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt","country-lithuania-lt"],"acf":[],"yoast_head":"\nFinansin\u0117 poros nei\u0161tikimyb\u0117: ma\u017ea paslaptis ar didel\u0117 nuod\u0117m\u0117? | COBALT<\/title>\n<meta name=\"description\" content=\"Finansin\u0117 poros nei\u0161tikimyb\u0117: ma\u017ea paslaptis ar didel\u0117 nuod\u0117m\u0117?. News. Naujienos. Jaunumi. 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