{"id":546907,"date":"2022-09-05T15:03:29","date_gmt":"2022-09-05T13:03:29","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=546907"},"modified":"2022-09-05T15:03:29","modified_gmt":"2022-09-05T13:03:29","slug":"ne-korrik-kredia-per-individe-frenoi-per-here-te-pare-qe-nga-shkurti-i-2021-shit","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/09\/05\/ne-korrik-kredia-per-individe-frenoi-per-here-te-pare-qe-nga-shkurti-i-2021-shit\/","title":{"rendered":"N\u00eb korrik, kredia p\u00ebr individ\u00eb frenoi p\u00ebr her\u00eb t\u00eb par\u00eb q\u00eb nga shkurti i 2021-shit","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/a><\/span><\/p>\n

Kredia bankare p\u00ebr individ\u00ebt sh\u00ebnoi n\u00eb muajin korrik frenimin e par\u00eb n\u00eb af\u00ebrsisht nj\u00eb vit e gjysm\u00eb.<\/span><\/p>\n

Sipas dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, gjat\u00eb muajit korrik sektori bankar disbursoi rreth 6.7 miliard\u00eb lek\u00eb kredi t\u00eb reja, n\u00eb r\u00ebnie me 5.3% krahasuar me korrikun e vitit t\u00eb kaluar.<\/span><\/p>\n

Sidoqoft\u00eb, p\u00ebr 7-mujorin e par\u00eb t\u00eb vitit kredia p\u00ebr individ\u00eb ishte n\u00eb rritje me 14.7%. norm\u00eb kjo m\u00eb e lart\u00eb se rritja mesatare prej 12% e kredis\u00eb s\u00eb re p\u00ebr ekonomin\u00eb.<\/span><\/p>\n

Megjithat\u00eb, r\u00ebnia e leht\u00eb e muajit korrik mund t\u00eb jen\u00eb nj\u00eb tregues se ndoshta sektori bankar po fillon t\u00eb shfaq\u00eb nj\u00eb qasje m\u00eb t\u00eb kujdesshme n\u00eb kreditimin p\u00ebr individ\u00ebt.<\/span><\/p>\n

Segmenti i shitjes me pakic\u00eb dhe sidomos kredia p\u00ebr individ\u00eb ka shfaqur norma t\u00eb larta t\u00eb rritjes n\u00eb vitet e fundit.<\/span><\/p>\n

Kjo rritje reflekton nj\u00eb strategji p\u00ebr t\u00eb diversifikuar m\u00eb shum\u00eb huadh\u00ebnien n\u00eb ekonomi dhe p\u00ebr t\u00eb ulur p\u00ebrqendrimin e lart\u00eb n\u00eb segmentin e biznesit, q\u00eb ka qen\u00eb tipik p\u00ebr sektorin bankar shqiptar, deri n\u00eb momentin kur u shfaq kriza e kredive me probleme.<\/span><\/p>\n

Pik\u00ebrisht ekspozimet e m\u00ebdha n\u00eb segmentin e korporatave dhan\u00eb efektin kryesor negative n\u00eb rritjen e kredive me probleme, q\u00eb kulmoi n\u00eb vitin 2015, me nj\u00eb raport prej af\u00ebrsisht 25%.<\/span><\/p>\n

Sidomos n\u00eb dy vitet e fundit, rritja e kreditimit t\u00eb individ\u00ebve \u00ebsht\u00eb ndikuar shum\u00eb edhe nga cikli i ri i rritjes s\u00eb shpejt\u00eb t\u00eb \u00e7mimeve n\u00eb tregun e pronave. Bankat kan\u00eb qen\u00eb mb\u00ebshtet\u00ebse n\u00eb k\u00ebt\u00eb cik\u00ebl dhe kreditimi p\u00ebr blerjen e pronave ka prekur vlerat m\u00eb t\u00eb larta historike.<\/span><\/p>\n

Por, goditja e fort\u00eb inflacioniste dhe mesazhet q\u00eb po p\u00ebrcjell politika monetare ndoshta mund t\u00eb b\u00ebjn\u00eb q\u00eb sektori bankar ta frenoj\u00eb disi ritmin n\u00eb kreditimin e individ\u00ebve. \u00c7mimet e pasurive t\u00eb paluajtshme vazhdojn\u00eb t\u00eb shfaqin rritje t\u00eb shpejt\u00eb dhe kan\u00eb arritur nivele rekord, sidomos n\u00eb Tiran\u00eb.<\/span><\/p>\n

Ka ekspert\u00eb q\u00eb besojn\u00eb se mund t\u00eb ndodhemi p\u00ebrball\u00eb nj\u00eb flluske t\u00eb tregut t\u00eb pronave, q\u00eb mund t\u00eb shfryhet n\u00eb nj\u00eb t\u00eb ardhme t\u00eb af\u00ebrt, edhe duke marr\u00eb n\u00eb konsiderat\u00eb zhvillimet jo t\u00eb favorshme ekonomike.<\/span><\/p>\n

Inflacioni ka arritur nivelet m\u00eb t\u00eb larta q\u00eb prej periudh\u00ebs q\u00eb pasoi kriz\u00ebn e vitit 1997. Banka e Shqip\u00ebris\u00eb po nd\u00ebrmerr nj\u00eb rritje t\u00eb shpejt\u00eb t\u00eb normave t\u00eb interesit. Mes fundit t\u00eb muajit mars dhe fillimit t\u00eb muajit gusht, norma baz\u00eb e interesit \u00ebsht\u00eb rritur tre her\u00eb, duke arritur nga 0.5% n\u00eb 1.75%.<\/span><\/p>\n

Politika monetare \u00ebsht\u00eb reflektuar edhe n\u00eb nj\u00eb rritje t\u00eb shpejt\u00eb t\u00eb yield-eve n\u00eb tregun e instrumenteve t\u00eb borxhit t\u00eb qeveris\u00eb shqiptare, q\u00eb jan\u00eb benchmark i tregut edhe p\u00ebr kreditimin e sektorit privat n\u00eb monedh\u00ebn vendase. Familjet dhe bizneset q\u00eb kan\u00eb kredi afatgjata me interes t\u00eb ndryshuesh\u00ebm do t\u00eb fillojn\u00eb ta ndjejn\u00eb qysh k\u00ebt\u00eb vit efektin e rritjes s\u00eb normave t\u00eb interesit n\u00eb k\u00ebstet e kredive t\u00eb tyre.<\/span><\/p>\n

G\u00ebrryerja e fuqis\u00eb bler\u00ebse nga inflacioni dhe rritja e normave t\u00eb interesit n\u00eb teori pritet t\u00eb ndikojn\u00eb n\u00eb ritme m\u00eb t\u00eb ul\u00ebta t\u00eb kredidh\u00ebnies p\u00ebr individ\u00ebt. R\u00ebnia e muajit shkurt mund t\u00eb jet\u00eb nj\u00eb sinjal i par\u00eb, megjith\u00ebse ndoshta do t\u00eb duhet nj\u00eb koh\u00eb m\u00eb e gjat\u00eb para se t\u00eb v\u00ebrehet nj\u00eb tendenc\u00eb e qart\u00eb dhe e vijueshme n\u00eb koh\u00eb.<\/span><\/p>\n

Nga ana tjet\u00ebr, ngadal\u00ebsimi i kreditimit pritet t\u00eb jap\u00eb nj\u00eb efekt negativ edhe n\u00eb tregun e pronave. Ekspert\u00ebt besojn\u00eb se norma e rritjes s\u00eb \u00e7mimeve t\u00eb pasurive t\u00eb paluajtshme do t\u00eb ngadal\u00ebsohen gradualisht gjat\u00eb viteve n\u00eb vazhdim.<\/span><\/p>\n

VINI RE:<\/span> Ky artikull \u00ebsht\u00eb pron\u00eb intelektuale e Monitor.al<\/a><\/span><\/span><\/strong><\/p>\n

 <\/p>\n

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

Kredia bankare p\u00ebr individ\u00ebt sh\u00ebnoi n\u00eb muajin korrik frenimin e par\u00eb n\u00eb af\u00ebrsisht nj\u00eb vit e gjysm\u00eb. Sipas dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, gjat\u00eb muajit korrik sektori bankar disbursoi rreth 6.7 miliard\u00eb lek\u00eb kredi t\u00eb reja, n\u00eb r\u00ebnie me 5.3% krahasuar me korrikun e vitit t\u00eb kaluar. Sidoqoft\u00eb, p\u00ebr 7-mujorin e par\u00eb t\u00eb vitit kredia […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":546908,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-546907","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\/546907","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=546907"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/546907\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/546908"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=546907"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=546907"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=546907"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}