{"id":667,"date":"2022-09-08T14:10:09","date_gmt":"2022-09-08T11:10:09","guid":{"rendered":"http:\/\/www.investuokpats.lt\/?p=667"},"modified":"2026-05-10T19:57:33","modified_gmt":"2026-05-10T16:57:33","slug":"twelve-benefits-of-rentals-may-change-your-perspective","status":"publish","type":"post","link":"https:\/\/www.investuokpats.lt\/?p=667","title":{"rendered":"Delsimo kaina"},"content":{"rendered":"\n<p class=\"has-black-color has-text-color has-link-color wp-elements-dd1d215b9ce361d21a862cfdbb8fdefa\">Ar \u017einote, kad did\u017eiausias investuotojo prie\u0161as da\u017enai n\u0117ra blogi sprendimai ar rink\u0173 kritimai, o papras\u010diausias delsimas?<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-d6fbc3d0bab81d72c3521766385ff447\">Daugelis \u017emoni\u0173 planuoja prad\u0117ti investuoti \u201ev\u0117liau\u201c:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-f4d1a2db3e09e6d78fdedb9657df8861\" style=\"font-size:18px;font-style:normal;font-weight:700\">kai u\u017edirbs daugiau;<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-d797b6999a6d3a61f2732819127c3177\" style=\"font-size:18px;font-style:normal;font-weight:700\">kai suma\u017e\u0117s i\u0161laidos;<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-5bba1d27cf9b38283d629bde39388085\" style=\"font-size:18px;font-style:normal;font-weight:700\">kai rinkos taps ai\u0161kesn\u0117s;<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-ba1a9181cdbe40c3322d7b64d3d1bd4e\" style=\"font-size:18px;font-style:normal;font-weight:700\">kai atsiras daugiau \u017eini\u0173 ar pasitik\u0117jimo savimi.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-99b48933eb3817d53975c1d047d4d091\">Ta\u010diau investavime vienas svarbiausi\u0173 veiksni\u0173 yra ne tobula prad\u017eia, o laikas. Kuo anks\u010diau pradeda dirbti sud\u0117tin\u0117s pal\u016bkanos, tuo didesn\u012f efekt\u0105 jos sukuria ateityje. Net keli atid\u0117ti metai gali reik\u0161ti t\u016bkstan\u010dius eur\u0173 ma\u017eesn\u0119 sukaupt\u0105 sum\u0105.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-f36ec0bcb468442125886fec01279b49\">Skai\u010diavimo formul\u0117 paprasta: 72 padalinus i\u0161 investicij\u0173 gr\u0105\u017eos procento, gauname apytiksl\u012f met\u0173 skai\u010di\u0173, per kur\u012f investicijos padvigub\u0117ja. Pavyzd\u017eiui, investuojant su 10 % vidutine metine gr\u0105\u017ea, pinigai padvigub\u0117ja ma\u017edaug per 7,2 met\u0173. Palyginimui, laikant pinigus ind\u0117lyje su 3 % gr\u0105\u017ea, padvigub\u0117jimui gali prireikti apie 24 met\u0173.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-6a144daf03ab3e82886fdbfae8dcd45d\">Tod\u0117l investavime svarbi ne tik gr\u0105\u017ea, bet ir prad\u017eios momentas. Kiekvieni atid\u0117ti metai ma\u017eina laik\u0105, per kur\u012f pinigai gali augti. \u017demiau pateikta skai\u010diuokl\u0117 leid\u017eia pamatyti, kiek gali kainuoti sprendimas \u201eprad\u0117siu v\u0117liau\u201c.<\/p>\n\n\n\n<div style=\"width:100%;padding:24px;border:1px solid #ddd;border-radius:12px;background:#fafafa;font-family:Arial,sans-serif;color:#000;\">\n  <h3>Kiek kainuoja sprendimas \u201eprad\u0117siu v\u0117liau\u201c?<\/h3>\n\n  <label>Kiek investuotum\u0117te per m\u0117nes\u012f (\u20ac):<\/label><br>\n  <input id=\"monthly\" type=\"number\" value=\"100\" style=\"width:100%;padding:10px;margin:8px 0 16px;\"><br>\n\n  <label>Vidutin\u0117 metin\u0117 gr\u0105\u017ea (%):<\/label><br>\n  <input id=\"rate\" type=\"number\" value=\"7\" step=\"0.1\" style=\"width:100%;padding:10px;margin:8px 0 16px;\"><br>\n\n  <label>Kiek met\u0173 investuotum\u0117te i\u0161 viso?<\/label><br>\n  <input id=\"totalYears\" type=\"number\" value=\"10\" style=\"width:100%;padding:10px;margin:8px 0 16px;\"><br>\n\n  <label>Po kiek met\u0173 prad\u0117tum\u0117te investuoti?<\/label><br>\n  <input id=\"delayYears\" type=\"number\" value=\"1\" style=\"width:100%;padding:10px;margin:8px 0 16px;\"><br>\n\n  <button onclick=\"calculateDelayCost()\" style=\"padding:12px 20px;border:none;border-radius:8px;background:#222;color:white;cursor:pointer;\">\n    Skai\u010diuoti\n  <\/button>\n\n  <div style=\"display:flex;gap:24px;align-items:flex-start;margin-top:28px;flex-wrap:wrap;\">\n    \n    <div style=\"flex:1;min-width:280px;\">\n      <div id=\"result\" style=\"font-size:17px;line-height:1.6;\"><\/div>\n      <div id=\"summary\" style=\"margin-top:22px;font-size:18px;font-weight:bold;line-height:1.35;\"><\/div>\n    <\/div>\n\n    <div style=\"flex:1.3;min-width:320px;padding:18px;border:1px solid #ddd;border-radius:12px;background:#fff;\">\n      <canvas id=\"lossChart\"><\/canvas>\n    <\/div>\n\n  <\/div>\n\n  <p style=\"margin-top:20px;font-size:13px;color:#666;\">\n    Skai\u010diavimas yra teorinis pavyzdys. Gr\u0105\u017ea n\u0117ra garantuota, mokes\u010diai ir infliacija ne\u012ftraukti.\n  <\/p>\n<\/div>\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n\n<script>\nlet lossChart;\n\nfunction calculateFutureValue(monthly, annualRate, years) {\n  const months = years * 12;\n  const monthlyRate = Math.pow(1 + annualRate, 1 \/ 12) - 1;\n\n  if (months <= 0) return 0;\n\n  if (monthlyRate === 0) {\n    return monthly * months;\n  }\n\n  return monthly * ((Math.pow(1 + monthlyRate, months) - 1) \/ monthlyRate);\n}\n\nfunction formatEUR(value) {\n  return value.toLocaleString(\"lt-LT\", {\n    style: \"currency\",\n    currency: \"EUR\",\n    maximumFractionDigits: 0\n  });\n}\n\nfunction drawLossChart(monthly, annualRate, totalYears) {\n  const labels = [];\n  const lossData = [];\n\n  const startNowValue = calculateFutureValue(monthly, annualRate, totalYears);\n\n  for (let delay = 0; delay < totalYears; delay++) {\n    const delayedYears = totalYears - delay;\n    const delayedValue = calculateFutureValue(monthly, annualRate, delayedYears);\n    const loss = startNowValue - delayedValue;\n\n    labels.push(delay + \" m.\");\n    lossData.push(-Math.round(loss));\n  }\n\n  const ctx = document.getElementById(\"lossChart\");\n\n  if (lossChart) {\n    lossChart.destroy();\n  }\n\n  lossChart = new Chart(ctx, {\n    type: \"line\",\n    data: {\n      labels: labels,\n      datasets: [{\n        label: \"Tik\u0117tina prarasta suma\",\n        data: lossData,\n        borderColor: \"#b00020\",\n        backgroundColor: \"rgba(176, 0, 32, 0.15)\",\n        fill: true,\n        tension: 0.3,\n        pointRadius: 4,\n        pointHoverRadius: 6\n      }]\n    },\n    options: {\n      responsive: true,\n      plugins: {\n        legend: { display: false },\n        tooltip: {\n          callbacks: {\n            label: function(context) {\n              return \"Tik\u0117tina prarasta suma: \" + formatEUR(Math.abs(context.raw));\n            }\n          }\n        }\n      },\n      scales: {\n        y: {\n          title: {\n            display: true,\n            text: \"Tik\u0117tina prarasta suma (\u20ac)\"\n          },\n          ticks: {\n            callback: function(value) {\n              return value.toLocaleString(\"lt-LT\") + \" \u20ac\";\n            }\n          }\n        },\n        x: {\n          title: {\n            display: true,\n            text: \"Kiek met\u0173 atidedamas investavimas\"\n          }\n        }\n      }\n    }\n  });\n}\n\nfunction calculateDelayCost() {\n  const monthly = parseFloat(document.getElementById(\"monthly\").value);\n  const annualRate = parseFloat(document.getElementById(\"rate\").value) \/ 100;\n  const totalYears = parseFloat(document.getElementById(\"totalYears\").value);\n  const delayYears = parseFloat(document.getElementById(\"delayYears\").value);\n\n  if (isNaN(monthly) || isNaN(annualRate) || isNaN(totalYears) || isNaN(delayYears)) {\n    document.getElementById(\"result\").innerHTML = \"\u012eveskite visus skai\u010dius.\";\n    return;\n  }\n\n  if (monthly < 0 || totalYears <= 0 || delayYears < 0) {\n    document.getElementById(\"result\").innerHTML = \"Patikrinkite \u012fvestus skai\u010dius.\";\n    return;\n  }\n\n  if (delayYears >= totalYears) {\n    document.getElementById(\"result\").innerHTML = \"Atid\u0117jimo met\u0173 skai\u010dius turi b\u016bti ma\u017eesnis u\u017e bendr\u0105 investavimo laikotarp\u012f.\";\n    return;\n  }\n\n  const yearsIfDelay = totalYears - delayYears;\n\n  const startNowValue = calculateFutureValue(monthly, annualRate, totalYears);\n  const delayedValue = calculateFutureValue(monthly, annualRate, yearsIfDelay);\n  const loss = startNowValue - delayedValue;\n\n  document.getElementById(\"result\").innerHTML =\n    \"<strong>Jei prad\u0117tum\u0117te \u0161iandien, po \" + totalYears + \" m. gal\u0117tum\u0117te tur\u0117ti:<\/strong><br>\" +\n    \"<span style='font-size:24px;color:#007a3d;font-weight:bold;'>\" + formatEUR(startNowValue) + \"<\/span><br><br>\" +\n\n    \"<strong>Jei prad\u0117tum\u0117te po \" + delayYears + \" m., investuotum\u0117te tik \" + yearsIfDelay + \" m. ir gal\u0117tum\u0117te tur\u0117ti:<\/strong><br>\" +\n    \"<span style='font-size:24px;color:#555;font-weight:bold;'>\" + formatEUR(delayedValue) + \"<\/span>\";\n\n  document.getElementById(\"summary\").innerHTML =\n    \"Delsimo kaina: atidedant investavim\u0105 \" + delayYears + \" m., tik\u0117tina prarasta suma gali siekti <span style='color:#b00020'>\" +\n    formatEUR(loss) + \"<\/span>.\";\n\n  drawLossChart(monthly, annualRate, totalYears);\n}\n\ncalculateDelayCost();\n<\/script>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-567ed2787c480dd6ea35216a19d168cf\">Tobulas momentas prad\u0117ti investuoti da\u017eniausiai taip ir neateina. Ma\u017ei \u017eingsniai \u0161iandien da\u017enai vertingesni nei dideli tobuli planai, kurie taip ir lieka tik planais.<\/p>\n\n\n\n<p><em>Straipsnyje pateikta informacija yra parengta bei paskelbta informacijos, turimos paskelbimo dien\u0105, pagrindu. Pateikta informacija n\u0117ra ir neturi b\u016bti laikoma, kaip rekomendacija pirkti ar parduoti bet kokias finansines priemones ar paslaugas.&nbsp;Prie\u0161 priimant sprendim\u0105 sudaryti bet kok\u012f sandor\u012f, susijus\u012f su finans\u0173 rinkomis ar finansin\u0117mis priemon\u0117mis, primygtinai rekomenduojame atid\u017eiai \u012fvertinti savo finansin\u0119 situacij\u0105. Privalote vadovautis savo \u017einiomis, patirtimi, finansine pad\u0117timi.&nbsp;Visus sprendimus, susijusiu su investicijomis ir i\u0161 to kylan\u010diomis pasekm\u0117mis (galimo pelno ar finansini\u0173 nuostoli\u0173), turite priimti patys. Straipsnio reng\u0117jai&nbsp;neprisiima jokios atsakomyb\u0117s&nbsp;ir neatsako u\u017e bet kokius j\u016bs\u0173 patirtus nuostolius perkant ir parduodant finansines priemones ir\/arba finansines paslaugas.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ar \u017einote, kad did\u017eiausias investuotojo prie\u0161as da\u017enai n\u0117ra blogi sprendimai ar rink\u0173 kritimai, o papras\u010diausias delsimas? Daugelis \u017emoni\u0173 planuoja prad\u0117ti investuoti \u201ev\u0117liau\u201c: Ta\u010diau investavime vienas svarbiausi\u0173 veiksni\u0173 yra ne tobula prad\u017eia, o laikas. Kuo anks\u010diau pradeda dirbti sud\u0117tin\u0117s pal\u016bkanos, tuo didesn\u012f efekt\u0105 jos sukuria ateityje. Net keli atid\u0117ti metai gali reik\u0161ti t\u016bkstan\u010dius eur\u0173 ma\u017eesn\u0119 sukaupt\u0105 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.investuokpats.lt\/?p=667\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8222;Delsimo kaina&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":1331,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[49,48],"class_list":["post-667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investavimo-galimybes","tag-galimybes","tag-investavimas"],"_links":{"self":[{"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=\/wp\/v2\/posts\/667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=667"}],"version-history":[{"count":39,"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=\/wp\/v2\/posts\/667\/revisions"}],"predecessor-version":[{"id":1345,"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=\/wp\/v2\/posts\/667\/revisions\/1345"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=\/wp\/v2\/media\/1331"}],"wp:attachment":[{"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investuokpats.lt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}