{"id":293654,"date":"2019-05-01T07:27:27","date_gmt":"2019-05-01T05:27:27","guid":{"rendered":"https:\/\/hashtag.al\/?p=293654"},"modified":"2019-05-01T07:29:58","modified_gmt":"2019-05-01T05:29:58","slug":"interesat-e-kredive-me-te-lira-ne-mars-sidomos-per-kredite-per-shtepi","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2019\/05\/01\/interesat-e-kredive-me-te-lira-ne-mars-sidomos-per-kredite-per-shtepi\/","title":{"rendered":"Interesat e kredive m\u00eb t\u00eb lira n\u00eb mars, sidomos p\u00ebr kredit\u00eb p\u00ebr sht\u00ebpi","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/p>\n

N\u00ebse doni q\u00eb t\u00eb merrni kredi, kjo \u00ebsht\u00eb periudha m\u00eb e mir\u00eb p\u00ebr t\u00eb paguar m\u00eb pak interesa si p\u00ebr monedh\u00ebn vendase ashtu dhe valut\u00ebn. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb muajin mars, norma mesatare e ponderuar mujore e huave t\u00eb reja n\u00eb lek\u00eb t\u00eb korporatave jofinanciare dhe individ\u00ebve ishte 6.47% n\u00eb vit, duke sh\u00ebnuar nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb nga shtatori 2018. M\u00eb e lir\u00eb \u00ebsht\u00eb huaja mbi 5 vjet, me interes vjetor prej 5.86%.<\/span><\/p>\n

N\u00eb euro, interesi mesatar i kredive ishte 4.6% n\u00eb mars, duke sh\u00ebnuar rritje n\u00eb krahasim me muajin e m\u00ebparsh\u00ebm, kur ishte 4.16%. Huat\u00eb mbi 5 vjet n\u00eb euro kan\u00eb nj\u00eb interes mesatar prej 4.18%.<\/span><\/p>\n

\u00a0<\/b><\/span><\/p>\n

Huaja n\u00eb euro ka qen\u00eb e preferuar p\u00ebr klient\u00ebt p\u00ebr shkak t\u00eb interesit m\u00eb t\u00eb ul\u00ebt t\u00eb saj, por vitet e fundit diferenca mes interesave \u00ebsht\u00eb ulur dhe nga ana tjet\u00ebr, klient\u00ebt jan\u00eb t\u00eb ekspozuar kur marrin kredi n\u00eb euro dhe kan\u00eb t\u00eb ardhurat n\u00eb lek\u00eb, pasi at\u00eb q\u00eb fitojn\u00eb nga interesi mund ta humbasin nga luhatjet e kursit t\u00eb k\u00ebmbimit dhe konkretisht nj\u00eb zhvler\u00ebsim i lekut do t\u00eb rriste k\u00ebstet mujore t\u00eb individ\u00ebve apo bizneseve.<\/span><\/p>\n

Interesat e kredive p\u00ebr sht\u00ebpi<\/span><\/strong><\/p>\n

\"\"<\/p>\n

Huat\u00eb p\u00ebr sht\u00ebpi jan\u00eb m\u00eb t\u00eb lira se asnj\u00ebher\u00eb tjet\u00ebr. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb mars, norma mesatare mujore e kredis\u00eb p\u00ebr blerje banesash ishte 3.45%, nga 3.77% n\u00eb dhjetor 2018. Kredit\u00eb p\u00ebr sht\u00ebpi jan\u00eb t\u00eb preferuara nga bankat, pasi ka rezultuar q\u00eb ato kan\u00eb nj\u00eb nivel t\u00eb ul\u00ebt t\u00eb kredive t\u00eb k\u00ebqija, teksa individ\u00ebt jan\u00eb t\u00eb prirur t\u00eb paguajn\u00eb k\u00ebstet p\u00ebr t\u00eb mos humbur sht\u00ebpit\u00eb e l\u00ebna si kolateral.<\/span><\/p>\n

N\u00eb euro, interesi mesatar i kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb mars ishte 3.04%.<\/span><\/p>\n

M\u00eb t\u00eb shtrenjtat p\u00ebr individ\u00ebt jan\u00eb overdraftet, t\u00eb cilat nuk kan\u00eb kolateral dhe u jepen kryesisht individ\u00ebve q\u00eb e marrin pag\u00ebn n\u00eb bank\u00ebn p\u00ebrkat\u00ebse. Interesat vjetore jan\u00eb rreth 12% p\u00ebr k\u00ebt\u00eb lloj kredie si n\u00eb lek\u00eb ashtu dhe n\u00eb euro.<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\"\"Sa fitoni nga depozitat<\/span><\/strong><\/p>\n

Nd\u00ebrsa kjo \u00ebsht\u00eb koha m\u00eb e mir\u00eb p\u00ebr t\u00eb marr\u00eb kredi, nuk mund t\u00eb thuhet e nj\u00ebjta gj\u00eb p\u00ebr kursimet. Normat e interesit, n\u00ebse vendos para n\u00eb bank\u00eb, jan\u00eb n\u00eb minimume historike.<\/span><\/p>\n

Norma mesatare e depozitave me afat (1-60 mujore) n\u00eb lek\u00eb n\u00eb muajin mars ishte 0.82%, nga 0.86% muajin e m\u00ebparsh\u00ebm dhe 0.99% n\u00eb janar.<\/span><\/p>\n

P\u00ebr kursimet 12 mujore, interesi mesatar n\u00eb mars ishte vet\u00ebm 0.57%, q\u00eb \u00ebsht\u00eb kthimi vjetor q\u00eb merr nga kursimet. Psh, p\u00ebr nj\u00eb depozit\u00eb prej 1 milion\u00eb lek\u00ebsh, n\u00eb fund t\u00eb vitit merr 5,700 lek\u00eb, nga e cila zbriten dhe 15% si tatim nga t\u00eb ardhurat, pra kthimi neto \u00ebsht\u00eb 4,845 lek\u00eb.<\/span><\/p>\n

Interesin m\u00eb t\u00eb lart\u00eb mund ta merrni nga kursimet m\u00eb afatgjata, ku p\u00ebr depozitat 60 mujore, kthimi \u00ebsht\u00eb rreth 3.3% n\u00eb vit.<\/span><\/p>\n

P\u00ebr kursimet n\u00eb euro, fitimi vjetor \u00ebsht\u00eb af\u00ebr zeros. Norma mesatare e depozitave me afat (1-60 mujore) n\u00eb euro n\u00eb muajin mars ishte 0.12%, nga 0.14% n\u00eb dhjetor.<\/span><\/p>\n

P\u00ebr depozitat 12 mujore, interesi \u00ebsht\u00eb 0.13%, nd\u00ebrsa kthimi maksimal mund t\u00eb merret p\u00ebr depozitat 5 vje\u00e7are, me rreth 1%.<\/span><\/p>\n

 <\/p>\n

VINI RE:<\/span> Ky artikull \u00ebsht\u00eb pron\u00eb intelektuale e Monitor.al<\/a><\/span><\/span><\/strong><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

N\u00ebse doni q\u00eb t\u00eb merrni kredi, kjo \u00ebsht\u00eb periudha m\u00eb e mir\u00eb p\u00ebr t\u00eb paguar m\u00eb pak interesa si p\u00ebr monedh\u00ebn vendase ashtu dhe valut\u00ebn. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb muajin mars, norma mesatare e ponderuar mujore e huave t\u00eb reja n\u00eb lek\u00eb t\u00eb korporatave jofinanciare dhe individ\u00ebve ishte 6.47% n\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":293655,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-293654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/293654","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=293654"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/293654\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/293655"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=293654"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=293654"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=293654"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}