{"id":100245,"date":"2024-12-30T09:58:29","date_gmt":"2024-12-30T09:58:29","guid":{"rendered":"https:\/\/rdnews.al\/?p=100245"},"modified":"2024-12-30T09:58:29","modified_gmt":"2024-12-30T09:58:29","slug":"cmimet-e-apartamenteve-ne-tirane-jane-rritur-10-here-me-shume-se-paga","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2024\/12\/30\/cmimet-e-apartamenteve-ne-tirane-jane-rritur-10-here-me-shume-se-paga\/","title":{"rendered":"\u00c7mimet e apartamenteve n\u00eb Tiran\u00eb jan\u00eb rritur 10 her\u00eb m\u00eb shum\u00eb se paga"},"content":{"rendered":"

P\u00ebr ekspert\u00ebt, edhe n\u00eb tregun e pasurive t\u00eb paluajtshme n\u00eb Tiran\u00eb, jan\u00eb t<\/strong>\u00eb<\/strong>\u00a0pranishme sinjalet e rrezikut t\u00eb fllusk\u00ebs s\u00eb \u00e7mimeve, t\u00eb ngjashme me disa qytete n<\/strong>\u00eb<\/strong>\u00a0bot\u00eb, t\u00eb publikuara te raporti \u201cRreziku global i flluskave t\u00eb pasurive t\u00eb paluajtshme\u00a0<\/strong>n<\/strong>\u00eb 2024\u201d.\u00a0<\/strong>Sipas<\/strong>\u00a0ekonomist\u00eb<\/strong>ve<\/strong>, raporti mund t\u00eb merret p\u00ebr model p\u00ebr metodologjin\u00eb e llogaritjes s\u00eb rrezikut edhe p\u00ebr tregun vendas.\u00a0<\/strong>N<\/strong>\u00eb Shqip\u00ebri, vet\u00ebm frenimi i paras\u00eb kriminale mund t\u00eb p\u00ebrcaktoj\u00eb sakt\u00ebsisht koh\u00ebn se kur do t\u00eb ndodh\u00eb flluska e \u00e7mimeve. N\u00eb 9 vjet, \u00e7mimet e apartamenteve jan\u00eb rritur 10 her\u00eb m\u00eb shum\u00eb, n\u00eb raport me t\u00eb ardhurat nga paga.<\/strong><\/em><\/p>\n

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Parashikimi se kur do t\u00eb ndodh\u00eb flluska n\u00eb tregun e pasurive t\u00eb paluajtshme n\u00eb Tiran\u00eb mbetet i v\u00ebshtir\u00eb.<\/div>\n<\/div>\n<\/div>\n

P\u00ebr ekspert\u00ebt e ekonomis\u00eb dhe t\u00eb tregut t\u00eb pasurive t\u00eb patundshme, n\u00ebse do t\u00eb p\u00ebrshtatej p\u00ebr tregun shqiptar metodologjia e nj\u00eb raporti t\u00eb fundit nd\u00ebrkomb\u00ebtar \u201cRreziku global i flluskave t\u00eb pasurive t\u00eb paluajtshme n\u00eb 2024\u201d, q\u00eb p\u00ebrllogarit e riskut e tregut t\u00eb pasurive t\u00eb paluajtshme, sinjalet e nj\u00eb r\u00ebnieje jan\u00eb t\u00eb pranishme edhe n\u00eb vend.<\/p>\n

Nd\u00ebr 25 qytetet e analizuara n\u00eb raport nga agjencia \u201cMenaxhimi global i pasuris\u00eb\u201d, rezulton se indikator\u00ebt kryesor\u00eb q\u00eb lajm\u00ebrojn\u00eb rrezikun e lart\u00eb t\u00eb fllusk\u00ebs p\u00ebr tre qytetet, si Majami, Tokio dhe Zyrihu, jan\u00eb nivelet e larta t\u00eb rritjes s\u00eb \u00e7mimeve deri n\u00eb 50% gjat\u00eb 5 viteve, r\u00ebnia e k\u00ebrkes\u00ebs nga mosp\u00ebrballueshm\u00ebria e \u00e7mimeve dhe rritja e normave t\u00eb interesit.<\/p>\n

N\u00eb Majami, rezultoi se \u00e7mimet e shitjes s\u00eb pronave p\u00ebr periudh\u00ebn 2019 deri n\u00eb 2024 u rrit\u00ebn me 50%. N\u00eb Tokio 30% dhe n\u00eb Zyrih, 25%. P\u00ebr 3 qytetet, rritja e \u00e7mimeve ishte n\u00eb disbalanc\u00eb me ritmet e rritjes s\u00eb t\u00eb ardhurave, \u00e7ka p\u00ebrb\u00ebnte rrezikun e lart\u00eb p\u00ebr fllusk\u00eb.<\/p>\n

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N\u00eb Zyrih, ky raport u p\u00ebrkeq\u00ebsua. Rritja e t\u00eb ardhurave mbeti n\u00eb diapazonin m\u00eb t\u00eb ul\u00ebt nj\u00ebshifror, nd\u00ebrsa rritja reale e \u00e7mimeve t\u00eb pronave ishte me 20%, e vler\u00ebsuar si nd\u00ebr m\u00eb t\u00eb lartat p\u00ebr 11 qytetet europiane t\u00eb analizuara.<\/div>\n<\/div>\n<\/div>\n<\/div>\n

N\u00ebse do i p\u00ebrshtasim k\u00ebto tregues p\u00ebr tregun shqiptar, n\u00eb Tiran\u00eb, p\u00ebr 3 vitet e fundit, periudha nga 2021 deri m\u00eb 2023, \u00e7mimet mesatare t\u00eb shitjes s\u00eb apartamenteve jan\u00eb rritur 41%, sipas t\u00eb dh\u00ebnave t\u00eb indeksit t\u00eb \u201cKeydata Albania\u201d, t\u00eb publikuara nga \u201c\u00c7el\u00ebsi Media Group\u201d.<\/p>\n

\u00c7mimi mesatar i shitjes s\u00eb apartamenteve p\u00ebr met\u00ebr katror deri n\u00eb fund t\u00eb muajit dhjetor 2023 arriti n\u00eb 1,548 euro nga 1,095 euro n\u00eb tremujorin e par\u00eb t\u00eb 2021.<\/p>\n

Ylli Sula, drejtuesi i grupit \u201c\u00c7el\u00ebsi\u201d, tha se ritmet e rritjes s\u00eb \u00e7mimeve jan\u00eb m\u00eb t\u00eb larta se t\u00eb ardhurat e familjeve shqiptare. \u201c\u00c7do vit ka pasur rritje t\u00eb \u00e7mimeve, nd\u00ebrsa k\u00ebrkesa reale nga familjar\u00ebt apo bizneset \u00ebsht\u00eb n\u00eb stanjacion.<\/p>\n

S\u00eb pari, nga \u00e7mimet e larta. Rritja e \u00e7mimeve t\u00eb shitjes nuk \u00ebsht\u00eb n\u00eb p\u00ebrputhje me t\u00eb ardhurat q\u00eb fitojn\u00eb sot familjar\u00ebt shqiptar\u00eb.<\/p>\n

N\u00eb Tiran\u00eb, k\u00ebrkesa reale q\u00eb p\u00ebrb\u00ebhet nga familjet q\u00eb k\u00ebrkojn\u00eb t\u00eb blejn\u00eb sht\u00ebpi p\u00ebr q\u00ebllime banimi apo ata q\u00eb k\u00ebrkojn\u00eb t\u00eb blejn\u00eb p\u00ebr q\u00ebllime rinovimi apo zgjerimi \u00ebsht\u00eb n\u00eb r\u00ebnie, p\u00ebr shkak t\u00eb pamund\u00ebsis\u00eb nga t\u00eb ardhurat e ul\u00ebta\u201d, pohon ai.<\/p>\n

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Nga periudha e analizuar e ecuris\u00eb s\u00eb \u00e7mimeve mesatare, rezultoi se shtrenjtimi kishte nisur q\u00eb n\u00eb tremujorin e par\u00eb t\u00eb 2021, pas periudh\u00ebs s\u00eb pandemis\u00eb s\u00eb Covid-19. Nga nj\u00ebri tremujor te tjetri, duke nisur nga 2021, rritja mesatare e \u00e7mimeve varionte nga 1,7 deri n\u00eb 6,2%. Shtrenjtimi m\u00eb i lart\u00eb ishte nga tremujori i tret\u00eb n\u00eb tremujorin e kat\u00ebrt 2023, me 21%.<\/p>\n

Rritja e \u00e7mimeve u analizua e ndar\u00eb n\u00eb 3 zona. Shtrenjtimi m\u00eb i lart\u00eb, me rreth 56%, ishte p\u00ebr pronat e shitura brenda Unaz\u00ebs s\u00eb Vog\u00ebl. \u00c7mimi mesatar i shitjes s\u00eb tremujorit t\u00eb kat\u00ebrt 2023 arriti n\u00eb 1,804 euro\/m\u00b2.<\/p>\n

N\u00eb zon\u00ebn e ish-Bllokut, \u00e7mimi mesatar i shitjes n\u00eb tremujorin e kat\u00ebrt 2023 arriti n\u00eb 2,160 euro\/m\u00b2. \u00c7mimet mesatare krahasuar me tremujorin e par\u00eb 2021 u rrit\u00ebn me 45%. Tendenc\u00eb rrit\u00ebse t\u00eb \u00e7mimeve mesatare t\u00eb shitjes s\u00eb apartamenteve ka pasur edhe p\u00ebr pronat jasht\u00eb Unaz\u00ebs s\u00eb Vog\u00ebl.<\/p>\n

\u00c7mimet mesatare reale n\u00eb k\u00ebt\u00eb zon\u00eb, deri n\u00eb tremujorin e kat\u00ebrt 2023, arrit\u00ebn n\u00eb 1,434 euro\/m\u00b2. Nga tremujori i par\u00eb 2021 n\u00eb tremujorin e fundit 2023, \u00e7mimet mesatare u rrit\u00ebn me 38.3% edhe p\u00ebr pronat jasht\u00eb Unaz\u00ebs s\u00eb Vog\u00ebl.<\/p>\n

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T\u00eb dh\u00ebnat e tjera t\u00eb INSTAT b\u00ebjn\u00eb t\u00eb ditur se q\u00eb nga viti 2014, kur raportohen t\u00eb dh\u00ebnat m\u00eb t\u00eb hershme p\u00ebr pag\u00ebn mesatare, deri n\u00eb vitin 2023, paga nominale \u00ebsht\u00eb rritur me 54%, nga 45 mij\u00eb lek\u00eb n\u00eb muaj n\u00eb 75 mij\u00eb lek\u00eb\/muaj. Por, e indeksuar nga inflacioni, q\u00eb ishte i lart\u00eb sidomos n\u00eb 2022 dhe 2023, page reale p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb \u00ebsht\u00eb rritur me rreth 30%.<\/p>\n

Nj\u00eb i pun\u00ebsuar merr sot mesatarisht 22 mij\u00eb lek\u00eb n\u00eb muaj (220 euro) m\u00eb shum\u00eb se n\u00eb vitin 2014 (e indeksuar me inflacionin, e paindeksuar rritja \u00ebsht\u00eb 250 euro).<\/p>\n

Nd\u00ebrkoh\u00eb, n\u00eb vitin 2014, nj\u00eb apartament kushtonte 1100 euro\/m2, nd\u00ebrsa n\u00eb vitin 2023 kushtonte rreth 1500 euro p\u00ebr met\u00ebr katror, ose 400 euro p\u00ebr met\u00ebr katror m\u00eb shum\u00eb.<\/p>\n

Si rrjedhoj\u00eb, nj\u00eb apartament 90 metra katror q\u00eb n\u00eb vitin 2014 blihej me 99.4 mij\u00eb euro, n\u00eb vitin 2023 kushtonte 139 mij\u00eb euro, sipas t\u00eb dh\u00ebnave t\u00eb Keydata, ose gati 40 mij\u00eb euro m\u00eb shum\u00eb.<\/p>\n

P\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb, sipas t\u00eb dh\u00ebnave t\u00eb INSTAT, nj\u00eb i pun\u00ebsuar me pag\u00eb ka marr\u00eb gjithsej 3300 euro m\u00eb shum\u00eb p\u00ebr 9 vjet (t\u00eb paindeksuara me \u00e7mimet, q\u00eb jan\u00eb t\u00eb pakt\u00ebn 25% m\u00eb t\u00eb larta se n\u00eb 2014-n)!<\/p>\n

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Pagat dhe \u00e7mimet e sht\u00ebpive<\/strong><\/p>\n

\u201cSi rrjedhoj\u00eb, nj\u00eb apartament 90 metra katror q\u00eb n\u00eb vitin 2014 blihej me 99.4 mij\u00eb euro, n\u00eb vitin 2023 kushtonte 139 mij\u00eb euro, sipas t\u00eb dh\u00ebnave t\u00eb Keydata, ose gati 40 mij\u00eb euro m\u00eb shum\u00eb. P\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb, sipas t\u00eb dh\u00ebnave t\u00eb INSTAT, nj\u00eb i pun\u00ebsuar me pag\u00eb ka marr\u00eb gjithsej 3300 euro m\u00eb shum\u00eb p\u00ebr 9 vjet (t\u00eb paindeksuara me \u00e7mimet, q\u00eb jan\u00eb t\u00eb pakt\u00ebn 25% m\u00eb t\u00eb larta se n\u00eb 2014-n)!\u201d<\/em><\/p>\n

Raporti ofert\u00eb-k\u00ebrkes\u00eb<\/strong><\/p>\n

N\u00eb kryeqytet vijon t\u00eb ket\u00eb bum nd\u00ebrtimesh, edhe pse k\u00ebrkesa \u00ebsht\u00eb n\u00eb r\u00ebnie. Rritja e lejeve t\u00eb nd\u00ebrtimit kur emigracioni \u00ebsht\u00eb i lart\u00eb, mbetet sinjali i par\u00eb p\u00ebr rrezikun e fllusk\u00ebs n\u00eb Tiran\u00eb, sipas z. Ylli Sula, nga \u201c\u00c7el\u00ebsi Group\u201d.<\/p>\n

\u201cE dh\u00ebna e par\u00eb e mbingopjes s\u00eb tregut jan\u00eb ritmet e larta t\u00eb rritjes s\u00eb lejeve t\u00eb nd\u00ebrtimit, kur ritmet e numrit t\u00eb t\u00eb larguarve n\u00eb emigracion jan\u00eb n\u00eb rritje. Pra volumi i rritjes s\u00eb dh\u00ebnies s\u00eb lejeve p\u00ebr nd\u00ebrtime t\u00eb reja mbetet jasht\u00eb logjik\u00ebs s\u00eb k\u00ebrkes\u00ebs s\u00eb qytetar\u00ebve p\u00ebr q\u00ebllime banimi apo edhe t\u00eb bizneseve p\u00ebr ambiente zyrash dhe dyqanesh.<\/p>\n

Trendi i k\u00ebrkes\u00ebs p\u00ebr strehim nuk \u00ebsht\u00eb n\u00eb rritje, pasi \u00e7mimet jan\u00eb t\u00eb pap\u00ebrballueshme p\u00ebr familjet e reja. T\u00eb pasurit e kan\u00eb ezauruar k\u00ebrkes\u00ebn p\u00ebr strehim. K\u00ebrkesa p\u00ebr prona p\u00ebr dyqan apo zyra ka r\u00ebn\u00eb edhe nga bizneset, p\u00ebr shkak t\u00eb \u00e7mimeve t\u00eb larta\u201d.<\/p>\n

Edhe pse blerjet e apartamenteve n\u00eb Tiran\u00eb nuk jan\u00eb t\u00eb p\u00ebrqendruara vet\u00ebm nga vendasit, pasi te k\u00ebrkesa p\u00ebr blerje kan\u00eb ndikuar edhe emigrant\u00ebt dhe shqiptar\u00ebt e diaspor\u00ebs, s\u00ebrish t\u00eb dh\u00ebnat e rritjes s\u00eb numrit t\u00eb banor\u00ebve t\u00eb Tiran\u00ebs nd\u00ebr vite tregojn\u00eb se jan\u00eb larg pritshm\u00ebrive t\u00eb nd\u00ebrtuesve p\u00ebr rritje banor\u00ebsh nga 20 mij\u00eb deri n\u00eb 25 mij\u00eb n\u00eb vit.<\/p>\n

Nga viti 2011 deri n\u00eb 2023, Tiran\u00ebs i jan\u00eb shtuar 40,754 banor\u00eb sipas t\u00eb dh\u00ebnave t\u00eb Censit. Mesatarisht numri i banor\u00ebve t\u00eb rinj \u00ebsht\u00eb rreth 3,396 banor\u00eb n\u00eb vit.<\/p>\n

P\u00ebr periudh\u00ebn nga 2011 deri n\u00eb 2023, totali i sip\u00ebrfaqes s\u00eb dh\u00ebn\u00eb p\u00ebr leje nd\u00ebrtimi banimi n\u00eb Tiran\u00eb \u00ebsht\u00eb 9,957 mij\u00eb metra katror. Mesatarisht 829,750 metra katror leje nd\u00ebrtimi n\u00eb vit apo 244,3 metra katror p\u00ebr \u00e7do banor q\u00eb i \u00ebsht\u00eb shtuar kryeqytetit.<\/p>\n

Edhe gjetjet e tjera nuk jan\u00eb optimiste: Rreth 40% e apartamenteve rezultojn\u00eb t\u00eb jen\u00eb bosh; grupmosha 15-19 vje\u00e7 \u00ebsht\u00eb p\u00ebrgjysmuar n\u00eb nj\u00eb dekad\u00eb; numri i grave n\u00eb mosh\u00eb riprodhimi ka r\u00ebn\u00eb 28.4% nga 2011-2023, q\u00eb paralajm\u00ebron tkurrje t\u00eb m\u00ebtejshme t\u00eb lindjeve.<\/p>\n

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Ndikimi i rritjes s\u00eb normave t\u00eb interesit te k\u00ebrkesa<\/strong><\/p>\n

P\u00ebrkeq\u00ebsimi i p\u00ebrballueshm\u00ebris\u00eb s\u00eb blerjes s\u00eb pron\u00ebs sipas \u201cRreziku global i flluskave t\u00eb pasurive t\u00eb paluajtshme n\u00eb 2024\u201d ka ardhur edhe nga rritja globale e normave t\u00eb interesit t\u00eb kredive gjat\u00eb dy viteve t\u00eb fundit.<\/p>\n

N\u00eb rastin konkret n\u00eb Zyrih, raporti evidenton se pavar\u00ebsisht ngadal\u00ebsimit s\u00eb rritjes s\u00eb \u00e7mimeve nga rregullimi i inflacionit, korrigjimi i tyre nuk \u00ebsht\u00eb arritur plot\u00ebsisht, p\u00ebr shkak t\u00eb rritjes s\u00eb normave t\u00eb interesit.<\/p>\n

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Deri n\u00eb muajin korrik 2024, ekspozimi i sektorit bankar n\u00eb kredi p\u00ebr pasuri t\u00eb paluajtshme ka arritur n\u00eb af\u00ebrsisht 3,7 mld euro. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vlera totale e kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme \u00ebsht\u00eb n\u00eb rritje vjetore me 33%.<\/p>\n

Portofoli i kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme p\u00ebr individ\u00eb arriti n\u00eb vler\u00ebn e rreth 2 mld eurove dhe p\u00ebr bizneset, n\u00eb vler\u00ebn e 1,7 mld eurove. P\u00ebr 12 muajt e fundit deri n\u00eb korrik 2024, portofoli i kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme t\u00eb biznesit \u00ebsht\u00eb rritur me 60%, nd\u00ebrsa n\u00eb segmentin e individ\u00ebve, me 16%.<\/p>\n

Aktualisht, kredia p\u00ebr pasuri t\u00eb paluajtshme e individ\u00ebve dhe bizneseve p\u00ebrb\u00ebn rreth 49% t\u00eb portofolit total t\u00eb kredis\u00eb s\u00eb dh\u00ebn\u00eb p\u00ebr sektorin privat t\u00eb ekonomis\u00eb.<\/p>\n

N\u00eb shumic\u00ebn d\u00ebrrmuese t\u00eb rasteve, kredit\u00eb p\u00ebr pasuri t\u00eb paluajtshme jan\u00eb t\u00eb siguruara me prona t\u00eb l\u00ebna si kolateral n\u00eb favor t\u00eb bankave (n\u00eb rastin m\u00eb tipik, vet\u00eb prona e bler\u00eb me kredi).<\/p>\n

Nj\u00eb kriz\u00eb e mundshme n\u00eb tregun e pasurive t\u00eb paluajtshme do t\u00eb ulte vler\u00ebn e kolateralit dhe do t\u2019i ekspozonte bankat ndaj rreziqeve p\u00ebr humbje nga kredit\u00eb.<\/p>\n

N\u00eb tetor t\u00eb vitit t\u00eb kaluar, Banka e Shqip\u00ebris\u00eb miratoi rregulloren \u201cP\u00ebr raportimin e t\u00eb dh\u00ebnave, identifikimin dhe monitorimin e treguesve mbi kredidh\u00ebnien dhe investimet p\u00ebr prona t\u00eb paluajtshme\u201d.<\/p>\n

Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kjo rregullore formalizon, standardizon si dhe zgjeron t\u00eb dh\u00ebnat q\u00eb mblidhen nga bankat dhe subjektet kredidh\u00ebn\u00ebse lidhur me treguesit e standardeve q\u00eb ato p\u00ebrdorin p\u00ebr ekspozimin ndaj pronave t\u00eb paluajtshme rezidenciale dhe tregtare.<\/p>\n

Gjithashtu, rregullorja ofron mund\u00ebsin\u00eb q\u00eb Banka e Shqip\u00ebris\u00eb t\u00eb p\u00ebrdor\u00eb k\u00ebta tregues si instrumente t\u00eb politik\u00ebs makroprudenciale, kur \u00ebsht\u00eb e nevojshme p\u00ebr t\u00eb zbutur rreziqet q\u00eb shoq\u00ebrojn\u00eb k\u00ebto ekspozime n\u00ebse vler\u00ebsohen n\u00eb nivele t\u00eb larta.<\/p>\n

N\u00eb muajin qershor, Banka e Shqip\u00ebris\u00eb vendosi t\u00eb aplikoj\u00eb, p\u00ebr her\u00eb t\u00eb par\u00eb, nj\u00eb shtes\u00eb kund\u00ebrciklike n\u00eb raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit t\u00eb sektorit bankar, me 0.25 pik\u00eb p\u00ebrqindje.<\/p>\n

Shtesa kund\u00ebrciklike ka si q\u00ebllim ngadal\u00ebsimin e ritmeve t\u00eb kreditimit nga sektori bankar, n\u00eb rastet kur rregullatori gjykon se huadh\u00ebnia po rritet me ritme tep\u00ebr t\u00eb shpejta, duke krijuar rreziqe t\u00eb shtuara p\u00ebr stabilitetin e sektorit.<\/p>\n

S\u00eb fundmi, Banka e Shqip\u00ebris\u00eb paralajm\u00ebroi q\u00eb, n\u00ebse kreditimi do t\u00eb vazhdoj\u00eb t\u00eb zgjerohet me ritmet e muajve t\u00eb fundit, rritja e m\u00ebtejshme e k\u00ebsaj norme n\u00eb fund t\u00eb vitit 2024 ka nj\u00eb probabilitet t\u00eb lart\u00eb.<\/p>\n

Sipas ekspertit Arben Malaj, shtr\u00ebngimi i masave p\u00ebr dh\u00ebnie kredie nga Banka e Shqip\u00ebris\u00eb, po ndikon te r\u00ebnia e k\u00ebrkes\u00ebs. Por ky indikator i shk\u00ebputur, nga mungesa e t\u00eb dh\u00ebnave p\u00ebr hyrjen e fluksit t\u00eb parave t\u00eb pista, e b\u00ebn t\u00eb pamundur t\u00eb parashikosh se kur do t\u00eb ndodh\u00eb flluska e \u00e7mimeve.<\/p>\n

\u201cPlasje e fllusk\u00ebs ndodh kur oferta \u00ebsht\u00eb m\u00eb e ul\u00ebt se k\u00ebrkesa, e par\u00eb kjo n\u00eb dinamik\u00ebn edhe t\u00eb ritmit t\u00eb rritjes. Pra merr m\u00eb r\u00ebnd\u00ebsi analiza e k\u00ebrkes\u00ebs n\u00eb rritjen e \u00e7mimeve dhe t\u00eb riskut.<\/p>\n

Bler\u00ebsit potencial\u00eb duhen analizuar nj\u00eb nga nj\u00eb, duke filluar nga kredia p\u00ebr strehim, investimet e individ\u00ebve, k\u00ebrkesat nga emigrant\u00ebt, k\u00ebrkesa nga t\u00eb huajt dhe trendi p\u00ebr secilin prej tyre.<\/p>\n

P.sh., Banka e Shqip\u00ebris\u00eb po e b\u00ebn m\u00eb t\u00eb ngurt\u00eb dhe ndoshta m\u00eb t\u00eb shtrenjt\u00eb kredin\u00eb p\u00ebr banesa, kjo ul k\u00ebrkes\u00ebn, por nuk kemi t\u00eb dh\u00ebna p\u00ebr p\u00ebrmasat e ekonomis\u00eb informale dhe parave t\u00eb pista.<\/p>\n

Po k\u00ebshtu duhet analizuar n\u00eb nj\u00eb trend disavje\u00e7ar, p\u00ebr secilin z\u00eb, p\u00ebr t\u00eb analizuar se kush mund t\u00eb ushqej\u00eb rritjen e \u00e7mimeve, deri n\u00eb plasjen e saj dhe kush mund t\u00eb zbus\u00eb agresivitetin e rritjes se tyre\u201d, pohon ai.<\/p>\n

Sipas vrojtimit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr aktivitetin kreditues, kushtet dhe termat e p\u00ebrgjithsh\u00ebm p\u00ebr kredit\u00eb akorduar individ\u00ebve u shtr\u00ebnguan n\u00eb tremujorin e tret\u00eb 2024.<\/p>\n

Marzhet m\u00eb t\u00eb larta mbi kredit\u00eb me rrezik dhe k\u00ebrkesat m\u00eb t\u00eb larta p\u00ebr kolateral (n\u00eb kredit\u00eb p\u00ebr blerjen e banesave) pat\u00ebn ndikim shtr\u00ebngues n\u00eb kushtet e termat e kreditimit p\u00ebr individ\u00ebt.<\/p>\n

\u201cK\u00ebrkesa e individ\u00ebve p\u00ebr kredi u perceptua m\u00eb e lart\u00eb n\u00eb tremujorin e tret\u00eb, si n\u00eb blerjen e banesave, ashtu edhe n\u00eb financimin e konsumit\u201d, v\u00ebrehet n\u00eb vrojtimin e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr aktivitetin kreditues n\u00eb 3-mujorin e tret\u00eb 2024.<\/p>\n

K\u00ebrkesa m\u00eb e lart\u00eb p\u00ebr financimin e konsumit dhe ajo p\u00ebr financimin n\u00eb blerjen e banesave ishin faktor\u00ebt kryesor\u00eb q\u00eb soll\u00ebn rritjen e k\u00ebrkes\u00ebs p\u00ebr kredi n\u00eb k\u00ebt\u00eb tremujor.<\/p>\n

N\u00eb drejtim t\u00eb kund\u00ebrt me to ndikuan besimi konsumator dhe zhvillimet aktuale e t\u00eb pritura n\u00eb tregun e banesave. Faktor\u00ebt e tjer\u00eb pat\u00ebn ndikime minimale. N\u00eb tremujorin e kat\u00ebrt t\u00eb vitit, bankat presin q\u00eb k\u00ebrkesa p\u00ebr kredi t\u00eb jet\u00eb e lart\u00eb, si p\u00ebr financimin e konsumit, ashtu edhe p\u00ebr blerjen e banesave.<\/p>\n

\"\"<\/p>\n

Sinjalet jan\u00eb aty, por p\u00ebr ekspert\u00ebt vet\u00ebm frenimi i paras\u00eb kriminale do t\u00eb sjell\u00eb fllusk\u00ebn e \u00e7mimeve<\/strong><\/p>\n

Ekspert\u00ebt e tregut t\u00eb pasurive t\u00eb paluajtshme aktualisht konstatojn\u00eb se nuk ka vet\u00ebm r\u00ebnie t\u00eb k\u00ebrkes\u00ebs reale, por edhe t\u00eb blerjeve me para t\u00eb padeklaruar.<\/p>\n

Ylli Sula, drejtuesi i indeksit \u201cKey Data\u201d, thot\u00eb se arsyeja kryesore e r\u00ebnies s\u00eb k\u00ebrkes\u00ebs nga bler\u00ebsit e paras\u00eb informale ka ardhur p\u00ebr shkak t\u00eb frik\u00ebs nga hetimet e nisura p\u00ebr figurat kryesore t\u00eb politik\u00ebs, por edhe t\u00eb biznesit.<\/p>\n

\u201cN\u00eb Tiran\u00eb jan\u00eb shitur rreth 80% e apartamenteve n\u00eb nd\u00ebrtime kullash, por edhe nd\u00ebrtime t\u00eb reja. Prona k\u00ebto q\u00eb mund t\u00eb blihen nga individ\u00ebt q\u00eb kan\u00eb para informale. N\u00eb nd\u00ebrtime si kulla nuk ka m\u00eb apartamente t\u00eb lira p\u00ebr shitje.<\/p>\n

P\u00ebrve\u00e7 k\u00ebsaj, prej 2 vitesh n\u00eb publik v\u00ebrehet se jan\u00eb rritur hetimet nga SPAK p\u00ebr figura t\u00eb njohura politike dhe t\u00eb sip\u00ebrmarrjes. Kjo i ka b\u00ebr\u00eb bler\u00ebsit q\u00eb disponojn\u00eb k\u00ebto para t\u00eb hezitojn\u00eb\u201d.<\/p>\n

Por kur do t\u00eb ndodh\u00eb r\u00ebnia e \u00e7mimeve? Z. Sula thot\u00eb se vet\u00ebm ndalimi i ardhjes s\u00eb paras\u00eb kriminale do t\u00eb mund t\u00eb sjell\u00eb shfryrjen e fllusk\u00ebs, pra r\u00ebnien e \u00e7mimeve.<\/p>\n

\u201cDeri tani nuk kemi raste konkrete t\u00eb m\u00ebparshme p\u00ebr shfryrjen e fllusk\u00ebs s\u00eb \u00e7mimeve. Por t\u00eb gjitha sinjalet e rrezikut t\u00eb evidentuara m\u00eb par\u00eb, por edhe ato q\u00eb evidenton raporti jan\u00eb aty n\u00eb treg.<\/p>\n

Por mendoj se n\u00eb Tiran\u00eb, risku i vet\u00ebm p\u00ebr fllusk\u00ebn e \u00e7mimeve \u00ebsht\u00eb kur do t\u00eb ndalohet t\u00ebr\u00ebsisht hyrja e paras\u00eb kriminale dhe blerja e pronave me k\u00ebto para\u201d.<\/p>\n

A ka rrezik?!<\/strong><\/p>\n

\u201cDeri tani nuk kemi raste konkrete t\u00eb m\u00ebparshme p\u00ebr shfryrjen e fllusk\u00ebs s\u00eb \u00e7mimeve. Por t\u00eb gjitha sinjalet e rrezikut t\u00eb evidentuara m\u00eb par\u00eb, por edhe ato q\u00eb evidenton raporti jan\u00eb aty n\u00eb treg. Por mendoj se n\u00eb Tiran\u00eb, risku i vet\u00ebm p\u00ebr fllusk\u00ebn e \u00e7mimeve \u00ebsht\u00eb kur do t\u00eb ndalohet t\u00ebr\u00ebsisht hyrja e paras\u00eb kriminale dhe blerja e pronave me k\u00ebto para\u201d.<\/em><\/p>\n

\/MONITOR<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

P\u00ebr ekspert\u00ebt, edhe n\u00eb tregun e pasurive t\u00eb paluajtshme n\u00eb Tiran\u00eb, jan\u00eb t\u00eb\u00a0pranishme sinjalet e rrezikut t\u00eb fllusk\u00ebs s\u00eb \u00e7mimeve, t\u00eb ngjashme me disa qytete n\u00eb\u00a0bot\u00eb, t\u00eb publikuara te raporti \u201cRreziku global i flluskave t\u00eb pasurive t\u00eb paluajtshme\u00a0n\u00eb 2024\u201d.\u00a0Sipas\u00a0ekonomist\u00ebve, raporti mund t\u00eb merret p\u00ebr model p\u00ebr metodologjin\u00eb e llogaritjes s\u00eb rrezikut edhe p\u00ebr tregun vendas.\u00a0N\u00eb …<\/p>\n","protected":false},"author":4,"featured_media":100246,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-100245","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-politike"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/100245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=100245"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/100245\/revisions"}],"predecessor-version":[{"id":100247,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/100245\/revisions\/100247"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/100246"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=100245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=100245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=100245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}