{"id":566455,"date":"2022-12-08T15:17:25","date_gmt":"2022-12-08T14:17:25","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=566455"},"modified":"2022-12-08T15:18:53","modified_gmt":"2022-12-08T14:18:53","slug":"kredite-e-biznesit-po-shtrenjtohen-si-ne-leke-ashtu-edhe-ne-euro","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/12\/08\/kredite-e-biznesit-po-shtrenjtohen-si-ne-leke-ashtu-edhe-ne-euro\/","title":{"rendered":"Kredit\u00eb e biznesit po shtrenjtohen si n\u00eb Lek\u00eb, ashtu edhe n\u00eb Euro","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Kredia bankare po shtrenjtohet duksh\u00ebm edhe p\u00ebr bizneset.<\/span><\/p>\n

T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se normat mesatare t\u00eb interesit p\u00ebr kredit\u00eb e reja t\u00eb kompanive private jan\u00eb n\u00eb rritje, si n\u00eb Lek\u00eb, ashtu edhe n\u00eb Euro.<\/span><\/p>\n

N\u00eb muajin tetor, norma mesatare e interesit p\u00ebr kredit\u00eb e reja t\u00eb bizneseve n\u00eb Lek\u00eb arriti n\u00eb 6.81%, nga 5.41% q\u00eb kishte qen\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Ky \u00ebsht\u00eb nj\u00ebkoh\u00ebsisht niveli m\u00eb i lart\u00eb i regjistruar q\u00eb prej fillimit t\u00eb vitit 2019.<\/span><\/p>\n

Rritja \u00ebsht\u00eb ve\u00e7an\u00ebrisht e theksuar te kredit\u00eb p\u00ebr blerjen e pasurive t\u00eb paluajtshme, q\u00eb zakonisht kan\u00eb edhe afatet m\u00eb t\u00eb gjata t\u00eb maturimit. Statistikat tregojn\u00eb se norma mesatare e interesit p\u00ebr k\u00ebt\u00eb segment gjat\u00eb tetorit arriti n\u00eb 7.75%, n\u00eb rritje me pothuajse 2.5 pik\u00eb p\u00ebrqindje krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Normat e interesit n\u00eb kredin\u00eb p\u00ebr bizneset po rriten paralelisht edhe n\u00eb monedh\u00ebn Euro, megjith\u00ebse p\u00ebr momentin n\u00eb p\u00ebrmasa m\u00eb t\u00eb kufizuara.<\/span><\/p>\n

Norma mesatare e interesit p\u00ebr kredit\u00eb e reja t\u00eb bizneseve n\u00eb Euro gjat\u00eb tetorit arriti n\u00eb 5%, nga 4.31% q\u00eb kishte qen\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Interes mesatar i kredive n\u00eb Euro ka prekur nivelin m\u00eb t\u00eb lart\u00eb qysh prej vitit 2017. Edhe n\u00eb rastin e Euros, rritja m\u00eb e ndjeshme e interesave \u00ebsht\u00eb regjistruar n\u00eb kredit\u00eb p\u00ebr pasuri t\u00eb paluajtshme.<\/span><\/p>\n

Analiza e fundit e aktivitetit kreditues, e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, tregon se rritja e normave t\u00eb interesit po prek ve\u00e7an\u00ebrisht kredit\u00eb p\u00ebr biznesin e vog\u00ebl dhe t\u00eb mes\u00ebm. Kjo \u00ebsht\u00eb edhe kategoria ku rritja e normave t\u00eb interesit \u00ebsht\u00eb transmetuar m\u00eb shpejt, duke qen\u00eb se kushtet p\u00ebr k\u00ebto kredi jan\u00eb m\u00eb t\u00eb standardizuara dhe fuqia negociuese e bizneseve \u00ebsht\u00eb e kufizuar.<\/span><\/p>\n

Bankat e Shqip\u00ebris\u00eb k\u00ebt\u00eb vit ka rritur norm\u00ebn baz\u00eb t\u00eb interesit me 2.25 pik\u00eb p\u00ebrqindje n\u00eb m\u00eb pak se tet\u00eb muaj, duke p\u00ebrcjell\u00eb rritjen edhe n\u00eb segmentet e tjera t\u00eb tregut financiar.<\/span><\/p>\n

P\u00ebrve\u00e7 rritjes s\u00eb normave t\u00eb interesit, n\u00eb p\u00ebrgjith\u00ebsi oferta e bankave p\u00ebr kredi ndaj bizneseve \u00ebsht\u00eb shtr\u00ebnguar, n\u00eb reflektim t\u00eb nj\u00eb p\u00ebrqasjeje m\u00eb t\u00eb kujdesshme t\u00eb bankave ndaj financimit dhe toleranc\u00ebs m\u00eb t\u00eb ul\u00ebt p\u00ebr t\u00eb marr\u00eb rrezik.<\/span><\/p>\n

Kushtet m\u00eb t\u00eb shtr\u00ebnguara t\u00eb kreditimit jan\u00eb diktuar nga situata aktuale makroekonomike e financiare, dob\u00ebsimi i k\u00ebrkes\u00ebs s\u00eb brendshme dhe paqart\u00ebsit\u00eb e shtuara lidhur me perspektiv\u00ebn e ekonomis\u00eb.<\/span><\/p>\n

K\u00ebta faktor\u00eb kan\u00eb rritur shqet\u00ebsimet e bankave lidhur me aft\u00ebsin\u00eb paguese t\u00eb bizneseve, sidomos t\u00eb biznesit t\u00eb vog\u00ebl e t\u00eb mes\u00ebm, i cili, n\u00ebn optik\u00ebn e vler\u00ebsimit t\u00eb rreziqeve nga ana e bankave, konsiderohet si segmenti m\u00eb vulnerab\u00ebl ndaj goditjeve n\u00eb ekonomi.<\/span><\/p>\n

Kujdesi i shtuar i bankave n\u00eb kreditimin e bizneseve, u reflektua edhe n\u00eb miratimin e nj\u00eb numri m\u00eb t\u00eb ul\u00ebt t\u00eb k\u00ebrkesave n\u00eb raport me totalin e aplikimeve p\u00ebr kredi.<\/span><\/p>\n

Kushtet e termat e kreditimit jo\u00e7mim u shtr\u00ebnguan, n\u00ebp\u00ebrmjet miratimit t\u00eb kredive n\u00eb madh\u00ebsi m\u00eb t\u00eb ul\u00ebta nga ajo e k\u00ebrkuar prej bizneseve, shtimit t\u00eb kusht\u00ebzimeve n\u00eb marr\u00ebveshjet e n\u00ebnshkruara mes pal\u00ebve, rritjes s\u00eb komisioneve, si edhe nga shkurtimi i maturitetit maksimal t\u00eb kredis\u00eb.<\/span><\/p>\n

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

 <\/p>\n

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

Kredia bankare po shtrenjtohet duksh\u00ebm edhe p\u00ebr bizneset. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se normat mesatare t\u00eb interesit p\u00ebr kredit\u00eb e reja t\u00eb kompanive private jan\u00eb n\u00eb rritje, si n\u00eb Lek\u00eb, ashtu edhe n\u00eb Euro. N\u00eb muajin tetor, norma mesatare e interesit p\u00ebr kredit\u00eb e reja t\u00eb bizneseve n\u00eb Lek\u00eb arriti n\u00eb 6.81%, […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":566457,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-566455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/566455","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=566455"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/566455\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/566457"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=566455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=566455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=566455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}