N\u00ebse ke ende nj\u00eb kredi p\u00ebr t\u00eb shlyer dhe t\u00eb ndodh di\u00e7ka e papritur me jet\u00ebn, sh\u00ebndetin apo vendin t\u00ebnd t\u00eb pun\u00ebs, me t\u00eb ardhurat e tua apo me fuqin\u00eb t\u00ebnde paguese p\u00ebr shlyerjen e nj\u00eb kredie, a do t\u00eb doje q\u00eb barra e r\u00ebnd\u00eb e borxhit t\u00eb pashlyer t\u00eb mbetej mbi supet e njer\u00ebzve t\u00eb cil\u00ebt ti do m\u00eb shum\u00eb?<\/p>\n
A do t\u00eb p\u00eblqente t\u2019i vishje ata me peshat e r\u00ebnda t\u00eb nj\u00eb borxhi?! T\u2019ua rrezikoje stabilitetin financiar? Sht\u00ebpin\u00eb? Pron\u00ebn? N\u00ebse p\u00ebrgjigjja q\u00eb t\u00eb vjen m\u00eb natyrsh\u00ebm \u00ebsht\u00eb \u201cJo\u201d, t\u00eb lutem lexoje deri n\u00eb fund k\u00ebt\u00eb artikull nd\u00ebrgjegj\u00ebsues n\u00eb kuad\u00ebr t\u00eb edukimit financiar.<\/p>\n
P\u00ebrmes k\u00ebtyre radh\u00ebve synojm\u00eb t\u00eb shpjegojm\u00eb se pse PPI (Payment Protection Insurance), i njohur n\u00eb shqip si sigurimi i jet\u00ebs s\u00eb debitorit, \u00ebsht\u00eb nj\u00eb produkt sigurimi i shk\u00eblqyer me vlera t\u00eb trefishta: n\u00eb familje, n\u00eb shoq\u00ebri dhe n\u00eb ekonomi.<\/p>\n
Kujdes p\u00ebr familjen<\/strong><\/p>\n PPI-ja, ose sigurimi i jet\u00ebs s\u00eb kredimarr\u00ebsit, \u00ebsht\u00eb sigurimi, q\u00eb i mbron bank\u00ebs shum\u00ebn e mbetur pa shlyer t\u00eb kredimarr\u00ebsit n\u00eb rast vdekjeje.<\/p>\n Bankat, p\u00ebr t\u00eb mbrojtur investimet e tyre, ua kusht\u00ebzojn\u00eb kredimarr\u00ebsve me detyrim pasjen e k\u00ebtij lloj sigurimi.<\/p>\n \u00c7do vit kredimarr\u00ebsi siguron pjes\u00ebn e mbetur pa shlyer t\u00eb kredis\u00eb. Kjo, n\u00eb var\u00ebsi t\u00eb risqeve.<\/p>\n Detyrimisht klienti orientohet t\u00eb zgjedh\u00eb rrezikun e rastit t\u00eb vdekjes, ose th\u00ebn\u00eb ndryshe: t\u00eb siguroj\u00eb jet\u00ebn. N\u00eb rast se kredimarr\u00ebsi vdes, prona e bler\u00eb me kredi i mbetet trash\u00ebgimtar\u00ebve ligjor\u00eb.<\/p>\n Familja e ruan pron\u00ebn e bler\u00eb nga kredia. Ajo nuk do t\u00eb preket. Pjesa e mbetur pa paguar nga kredimarr\u00ebsi do t\u00eb paguhet nga siguruesi.<\/p>\n Trash\u00ebgimtar\u00ebt ligjor\u00eb t\u00eb kredimarr\u00ebsit g\u00ebzojn\u00eb pron\u00ebn dhe nuk u mbetet pas asnj\u00eb barr\u00eb financiare p\u00ebr shlyerjen e borxhit, sepse p\u00ebr t\u00eb p\u00ebrgjigjet siguruesi.<\/p>\n Kjo \u00ebsht\u00eb vlera e k\u00ebtij sigurimi nga perspektiva e p\u00ebrfitimeve t\u00eb familjes: humbja e njeriut t\u00eb dashur nuk shoq\u00ebrohet me kolapsin apo stresin financiar t\u00eb shlyerjes s\u00eb detyrimeve ndaj bank\u00ebs.<\/p>\n Ky nuk \u00ebsht\u00eb risku i vet\u00ebm q\u00eb mund t\u00eb sigurohet me PPI: me k\u00ebrkes\u00eb t\u00eb kredimarr\u00ebsit mund t\u00eb sigurohet edhe pamund\u00ebsia e pages\u00ebs, paaft\u00ebsia e plot\u00eb fizike q\u00eb pasohet nga paaft\u00ebsia p\u00ebr pun\u00eb, e me radh\u00eb. Kjo, n\u00eb var\u00ebsi t\u00eb k\u00ebrkesave t\u00eb vet\u00eb klientit.<\/p>\n Si shkohet te kjo marr\u00ebveshje dhe a funksionon kudo nj\u00eblloj?<\/strong><\/p>\n Ky lloj sigurimi funksionon nj\u00eblloj kudo ku parimi i sigurimit funksionon. Kudo n\u00eb Bot\u00ebn Per\u00ebndimore ku funksionon tregu i lir\u00eb \u00ebsht\u00eb nj\u00eblloj. PPI-ja nuk \u00ebsht\u00eb shqiptare.<\/p>\n Marr\u00ebveshja shihet si trepal\u00ebshe: personi q\u00eb merr kredin\u00eb, banka q\u00eb e jep kredin\u00eb dhe kompania e sigurimit.<\/p>\n PPI-ja sjell mbrojtjen e trefisht\u00eb:<\/strong><\/p>\n Niveli i par\u00eb: Banka k\u00ebrkon mbrojtjen e kredis\u00eb dhe e gjen p\u00ebrmes PPI-s\u00eb.<\/p>\n Niveli i dyt\u00eb: Klienti k\u00ebrkon mbrojtjen e familjes dhe trash\u00ebgimin pa probleme dhe barra borxhesh t\u00eb pasuris\u00eb dhe k\u00ebt\u00eb e ka t\u00eb mundur p\u00ebrmes PPI-s\u00eb.<\/p>\n Niveli i tret\u00eb: Shoq\u00ebria e sigurimit merr p\u00ebrsip\u00ebr riskun kundrejt primit t\u00eb sigurimit dhe siguron nj\u00eb treg p\u00ebr t\u00eb ofruar produktet e saj.<\/p>\n PPI-ja, ose sigurimi i jet\u00ebs s\u00eb depozitorit, nuk duhet par\u00eb thjesht si nj\u00eb kusht bankar p\u00ebr t\u00eb siguruar financim.<\/p>\n PPI-ja \u00ebsht\u00eb nj\u00eb mekaniz\u00ebm mbrojtjeje, n\u00eb tre nivele: mbron familjen, mbron bank\u00ebn, mbron edhe ekonomin\u00eb.<\/p>\n N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb nj\u00eb fatkeq\u00ebsi personale, nuk kthehet n\u00eb traum\u00eb p\u00ebr nj\u00eb bank\u00eb dhe as n\u00eb nj\u00eb ortek financiar p\u00ebr sistemin ekonomik. E gjitha vijon mbar\u00ebvajtjen.<\/p>\n \/Marre nga Sigurime.Online<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" N\u00ebse ke ende nj\u00eb kredi p\u00ebr t\u00eb shlyer dhe t\u00eb ndodh di\u00e7ka e papritur me jet\u00ebn, sh\u00ebndetin apo vendin t\u00ebnd t\u00eb pun\u00ebs, me t\u00eb ardhurat e tua apo me fuqin\u00eb t\u00ebnde paguese p\u00ebr shlyerjen e nj\u00eb kredie, a do t\u00eb doje q\u00eb barra e r\u00ebnd\u00eb e borxhit t\u00eb pashlyer t\u00eb mbetej mbi supet e njer\u00ebzve …<\/p>\n","protected":false},"author":4,"featured_media":142376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-142375","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/142375","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=142375"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/142375\/revisions"}],"predecessor-version":[{"id":142377,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/142375\/revisions\/142377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/142376"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=142375"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=142375"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=142375"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}