{"id":526261,"date":"2022-05-27T08:13:51","date_gmt":"2022-05-27T06:13:51","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=526261"},"modified":"2022-05-27T08:13:51","modified_gmt":"2022-05-27T06:13:51","slug":"kredia-per-shtepi-arriti-rekord-te-ri-ne-tremujorin-e-pare-te-vitit","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/05\/27\/kredia-per-shtepi-arriti-rekord-te-ri-ne-tremujorin-e-pare-te-vitit\/","title":{"rendered":"Kredia p\u00ebr sht\u00ebpi arriti rekord t\u00eb ri n\u00eb tremujorin e par\u00eb t\u00eb vitit","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Familjet shqiptare po rrisin edhe m\u00eb shum\u00eb huamarrjen p\u00ebr blerjen e pasurive t\u00eb paluajtshme, pavar\u00ebsisht inflacionit t\u00eb lart\u00eb.<\/span><\/p>\n

T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se p\u00ebr tremujorin 2022, kredia e re p\u00ebr blerjen e pasurive t\u00eb paluajtshme sh\u00ebnoi vler\u00ebn rekord t\u00eb 10.6 miliard\u00eb Lek\u00ebve ose 88 milion\u00eb Eurove, duke vendosur nj\u00eb rekord t\u00eb ri historik.<\/span><\/p>\n

Krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb, kreditimi i sektorit \u00ebsht\u00eb rritur me 48%. N\u00eb ve\u00e7anti, muaji mars ka sh\u00ebnuar nj\u00eb rekord t\u00eb ri p\u00ebr shum\u00ebn e kredis\u00eb s\u00eb re p\u00ebr sht\u00ebpi.<\/span><\/p>\n

Ajo ka sh\u00ebnuar vler\u00ebn e 4.9 miliard\u00eb Lek\u00ebve, duke kaluar rekordin e m\u00ebparsh\u00ebm, q\u00eb ishte sh\u00ebnuar n\u00eb qershor t\u00eb vitit t\u00eb kaluar. Pas pandemis\u00eb, kredia p\u00ebr sht\u00ebpi ka marr\u00eb nj\u00eb shtys\u00eb t\u00eb fort\u00eb, i nxitur nga nj\u00eb cik\u00ebl i ri rritjeje i tregut t\u00eb pasurive t\u00eb paluajtshme.<\/span><\/p>\n

Rritja e shpejt\u00eb e \u00e7mimeve ka b\u00ebr\u00eb q\u00eb individ\u00ebt ta shohin blerjen e nj\u00eb prone si investim m\u00eb leverdi. Normat e ul\u00ebta historike t\u00eb interesit kan\u00eb qen\u00eb gjithashtu nj\u00eb faktor shum\u00eb i r\u00ebnd\u00ebsish\u00ebm n\u00eb mb\u00ebshtetje t\u00eb tregut t\u00eb pronave.<\/span><\/p>\n

Edhe oferta p\u00ebr kredi n\u00eb k\u00ebt\u00eb segment ngelet shum\u00eb e lart\u00eb, sepse bankat e shohin zgjerimin n\u00eb segmentin retail si nj\u00eb alternativ\u00eb t\u00eb mir\u00eb p\u00ebr t\u00eb shp\u00ebrndar\u00eb m\u00eb mir\u00eb rrezikun e kredis\u00eb dhe p\u00ebr t\u00eb siguruar rritje t\u00eb q\u00ebndrueshme t\u00eb portofolit.<\/span><\/p>\n

Historikisht, kredia p\u00ebr sht\u00ebpi ka qen\u00eb nd\u00ebr produktet m\u00eb raportin m\u00eb t\u00eb ul\u00ebt t\u00eb kredive me probleme. Aktualisht, ky raport q\u00ebndron pran\u00eb nivelit 3%.<\/span><\/p>\n

Nga ana tjet\u00ebr, edhe rritja e ndjeshme e \u00e7mimeve t\u00eb pronave n\u00eb vitet e fundit ka ndikuar q\u00eb individ\u00ebt t\u00eb marrin hua n\u00eb vlera m\u00eb t\u00eb m\u00ebdha p\u00ebr t\u00eb p\u00ebrballuar blerjen e tyre. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, \u00e7mimet e pronave u rrit\u00ebn me 9% vitin e kaluar.<\/span><\/p>\n

N\u00eb perceptimin e aktor\u00ebve t\u00eb tregut, kredia bankare ngelet nj\u00eb faktor i r\u00ebnd\u00ebsish\u00ebm n\u00eb mb\u00ebshtetjen e k\u00ebrkes\u00ebs. Sipas agjent\u00ebve, t\u00eb pakt\u00ebn nj\u00eb e treta transaksioneve n\u00eb tregun e pronave financohen me kredi bankare.<\/span><\/p>\n

N\u00eb teori, inflacioni i lart\u00eb dhe pritshm\u00ebrit\u00eb p\u00ebr rritje t\u00eb normave t\u00eb interesit mund ta dekurajojn\u00eb huamarrjen afatgjat\u00eb n\u00eb shuma t\u00eb m\u00ebdha, si\u00e7 \u00ebsht\u00eb rasti i huave p\u00ebr sht\u00ebpi.<\/span><\/p>\n

Rritja e \u00e7mimeve ul fuqin\u00eb paguese p\u00ebr t\u00eb ardhura t\u00eb nj\u00ebjta dhe mund t\u00eb shtoj\u00eb pasigurin\u00eb e individ\u00ebve p\u00ebr t\u00eb ardhmen, nd\u00ebrsa rritja e normave t\u00eb interesit e b\u00ebn m\u00eb t\u00eb kushtueshme pages\u00ebn e kredis\u00eb p\u00ebr sht\u00ebpi.<\/span><\/p>\n

N\u00eb k\u00ebt\u00eb faz\u00eb, ky efekt ndoshta mund t\u00eb jet\u00eb m\u00eb shum\u00eb psikologjik, sesa direkt, por, deri tani, nuk ka shenja se inflacioni po e ndikon vendimmarrjen e individ\u00ebve p\u00ebr t\u00eb bler\u00eb pasuri t\u00eb paluajtshme.<\/span><\/p>\n

N\u00eb fund t\u00eb muajit mars, portofoli i kredis\u00eb p\u00ebr blerjen e pasurive t\u00eb paluajtshme arriti vler\u00ebn e 152 miliard\u00eb lek\u00ebve ose 1.26 miliard\u00eb Eurove.<\/span><\/p>\n

Kredia p\u00ebr sht\u00ebpi ngelet nd\u00ebr segmentet me rritjen m\u00eb t\u00eb lart\u00eb vjetore t\u00eb portofolit, me 17.3%. Rritja vjetore \u00ebsht\u00eb edhe m\u00eb e lart\u00eb se niveli 14.6% q\u00eb ishte sh\u00ebnuar n\u00eb fund t\u00eb vitit 2021.\/E.Shehu<\/span><\/p>\n

VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span><\/span><\/p>\n

\"\"<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Familjet shqiptare po rrisin edhe m\u00eb shum\u00eb huamarrjen p\u00ebr blerjen e pasurive t\u00eb paluajtshme, pavar\u00ebsisht inflacionit t\u00eb lart\u00eb. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se p\u00ebr tremujorin 2022, kredia e re p\u00ebr blerjen e pasurive t\u00eb paluajtshme sh\u00ebnoi vler\u00ebn rekord t\u00eb 10.6 miliard\u00eb Lek\u00ebve ose 88 milion\u00eb Eurove, duke vendosur nj\u00eb rekord t\u00eb ri […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":526263,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-526261","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\/526261","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\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=526261"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/526261\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/526263"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=526261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=526261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=526261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}