{"id":88582,"date":"2024-09-10T07:55:13","date_gmt":"2024-09-10T07:55:13","guid":{"rendered":"https:\/\/rdnews.al\/?p=88582"},"modified":"2024-09-10T07:55:13","modified_gmt":"2024-09-10T07:55:13","slug":"kredia-per-shtepi-vijon-rritjen-si-mashtrohen-qytetaret","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2024\/09\/10\/kredia-per-shtepi-vijon-rritjen-si-mashtrohen-qytetaret\/","title":{"rendered":"Kredia p\u00ebr sht\u00ebpi vijon rritjen, si mashtrohen qytetar\u00ebt&#8230;"},"content":{"rendered":"<p>Kredia p\u00ebr sht\u00ebpi vijoi rritjen vjetore edhe gjat\u00eb muajit korrik, pavar\u00ebsisht sinjaleve t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb se huadh\u00ebnia, ve\u00e7an\u00ebrisht n\u00eb k\u00ebt\u00eb segment, mund t\u00eb ket\u00eb nevoj\u00eb t\u00eb ngadal\u00ebsohet.<\/p>\n<p>Sipas statistikave t\u00eb Bank\u00ebs Qendrore, gjat\u00eb muajit korrik bankat dhan\u00eb rreth 4.1 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr t\u00eb financuar blerjen e pronave nga familjet. Kredia e re u rrit me 50% krahasuar me t\u00eb nj\u00ebjtin muaj t\u00eb vitit t\u00eb kaluar.<\/p>\n<p>P\u00ebr shtat\u00eb muajt e par\u00eb t\u00eb vitit, kredia e re p\u00ebr sht\u00ebpi arriti rekordin historik prej 31.6 miliard\u00eb lek\u00ebsh, n\u00eb rritje me 17% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/p>\n<p>Rritja vazhdon t\u00eb mb\u00ebshtetet sidomos tek zgjerimi shum\u00eb i shpejt\u00eb i kredis\u00eb n\u00eb lek\u00eb. P\u00ebr 7-mujorin 2024, kredia e re n\u00eb monedh\u00ebn vendase \u00ebsht\u00eb rritur me 77% krahasuar me 7-mujorin e vitit t\u00eb kaluar. Kredia n\u00eb lek\u00eb p\u00ebrb\u00ebnte af\u00ebrsisht 74% t\u00eb vler\u00ebs s\u00eb kredis\u00eb s\u00eb re p\u00ebr sht\u00ebpi t\u00eb disbursuar k\u00ebt\u00eb vit.<\/p>\n<p>Normat e ul\u00ebta t\u00eb interesit besohet se kan\u00eb pasur nj\u00eb ndikim t\u00eb konsideruesh\u00ebm n\u00eb zhvendosjen e kreditimit p\u00ebr sht\u00ebpi drejt lekut.<\/p>\n<p>Jo vet\u00ebm kredit\u00eb e reja jan\u00eb dh\u00ebn\u00eb m\u00eb shum\u00eb n\u00eb lek\u00eb, por nj\u00eb pjes\u00eb e mir\u00eb e kredive ekzistuese n\u00eb valut\u00eb jan\u00eb konvertuar n\u00eb monedh\u00ebn vendase, p\u00ebr t\u00eb p\u00ebrfituar nga normat m\u00eb t\u00eb ul\u00ebta t\u00eb interesit, por edhe nga kursi i favorsh\u00ebm i k\u00ebmbimit.<\/p>\n<p>Sipas statistikave nga Banka e Shqip\u00ebris\u00eb, norma mesatare e interesit t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr blerje banesash nga individ\u00ebt n\u00eb lek\u00eb p\u00ebr muajin qershor zbriti n\u00eb 4.57%, nd\u00ebrkoh\u00eb q\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb sh\u00ebnonte nivelin 5.22%. Norma mesatare e interesit e portofolit t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb lek\u00eb ka prekur nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb prej fundit t\u00eb vitit 2022.<\/p>\n<p>Nd\u00ebrkoh\u00eb, kredia n\u00eb euro po bie ritme t\u00eb shpejta dhe u tkurr me 40% p\u00ebr shtat\u00eb muajt e par\u00eb t\u00eb k\u00ebtij viti.<\/p>\n<p>Sipas statistikave t\u00eb bank\u00ebs qendrore, tashm\u00eb portofoli aktiv i kredis\u00eb p\u00ebr blerjen e banesave ka arritur vler\u00ebn e 198.2 miliard lek\u00ebve, n\u00eb rritje vjetore me 16%. Ky portofol p\u00ebrb\u00ebn 26% t\u00eb kredis\u00eb totale p\u00ebr ekonomin\u00eb shqiptare.<\/p>\n<p>Kredia e dh\u00ebn\u00eb nga sektori bankar vazhdon t\u00eb jet\u00eb nj\u00eb mb\u00ebshtetje thelb\u00ebsore p\u00ebr k\u00ebrkes\u00ebn n\u00eb tregun e pasurive t\u00eb paluajtshme. Sipas rezultateve t\u00eb vrojtimit p\u00ebr tregun e pasurive t\u00eb paluajtshme, t\u00eb kryer nga Banka e Shqip\u00ebris\u00eb, pesha e pronave t\u00eb blera me hua bankare n\u00eb 6-mujorin e dyt\u00eb t\u00eb vitit t\u00eb kaluar arriti n\u00eb 60%, nga 40% q\u00eb kishte qen\u00eb n\u00eb 6-mujorin e par\u00eb t\u00eb vitit.<\/p>\n<p>Rritja e shpejt\u00eb e kredis\u00eb n\u00eb p\u00ebrgjith\u00ebsi dhe e asaj p\u00ebr blerjen e pasurive t\u00eb paluajtshme n\u00eb ve\u00e7anti duket se ka arritur pik\u00ebn kur ajo vler\u00ebsohet se mund t\u00eb p\u00ebrfaq\u00ebsoj\u00eb rrezik t\u00eb shtuar p\u00ebr sektorin financiar.<\/p>\n<p>Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN) n\u00eb janar i sugjeroi Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb vendosjen e nj\u00eb shtese kund\u00ebrciklike kapitali p\u00ebr sektorin bankar. Sugjerimet p\u00ebr aplikimin e nj\u00eb norme kund\u00ebrciklike lidheshin kryesisht tek zhvillimet n\u00eb tregun e pasurive t\u00eb paluajtshme dhe t\u00eb kredis\u00eb s\u00eb dh\u00ebn\u00eb nga bankat p\u00ebr financimin e blerjes s\u00eb tyre.<\/p>\n<p>Banka e Shqip\u00ebris\u00eb reagoi ndaj k\u00ebtyre shqet\u00ebsimeve n\u00eb fund t\u00eb tremujorit t\u00eb dyt\u00eb 2024, duke aplikuar 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.<\/p>\n<p>Edhe n\u00eb Deklarat\u00ebn e fundit t\u00eb Stabilitetit Financiar, t\u00eb miratuar nga K\u00ebshilli Mbik\u00ebqyr\u00ebs jav\u00ebn e kaluar, Banka e Shqip\u00ebris\u00eb theksonte se \u00ebsht\u00eb e nevojshme q\u00eb rimet e rritjes s\u00eb kreditimit t\u00eb ekonomis\u00eb t\u00eb ngadal\u00ebsohen. \/ MONITOR<\/p>\n<figure id=\"attachment_1436978\" class=\"wp-caption alignnone\" aria-describedby=\"caption-attachment-1436978\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1436978\" src=\"https:\/\/boldnews.al\/wp-content\/uploads\/2024\/09\/krd-1-640x451.jpg\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/boldnews.al\/wp-content\/uploads\/2024\/09\/krd-1-640x451.jpg 640w, https:\/\/boldnews.al\/wp-content\/uploads\/2024\/09\/krd-1-120x86.jpg 120w, https:\/\/boldnews.al\/wp-content\/uploads\/2024\/09\/krd-1-750x528.jpg 750w, https:\/\/boldnews.al\/wp-content\/uploads\/2024\/09\/krd-1.jpg 799w\" alt=\"\" width=\"640\" height=\"451\" data-pin-no-hover=\"true\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Kredia p\u00ebr sht\u00ebpi vijoi rritjen vjetore edhe gjat\u00eb muajit korrik, pavar\u00ebsisht sinjaleve t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb se huadh\u00ebnia, ve\u00e7an\u00ebrisht n\u00eb k\u00ebt\u00eb segment, mund t\u00eb ket\u00eb nevoj\u00eb t\u00eb ngadal\u00ebsohet. Sipas statistikave t\u00eb Bank\u00ebs Qendrore, gjat\u00eb muajit korrik bankat dhan\u00eb rreth 4.1 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr t\u00eb financuar blerjen e pronave nga familjet. Kredia e &hellip;<\/p>\n","protected":false},"author":4,"featured_media":88583,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-88582","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\/88582","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=88582"}],"version-history":[{"count":0,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/88582\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/88583"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=88582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=88582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=88582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}