![\"\"](\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/03\/euro-.jpg\")
<\/span><\/p>\nBanka Qendrore Europiane (BQE) rriti p\u00ebrs\u00ebri norm\u00ebn baz\u00eb t\u00eb interesit me 0.5 pik\u00eb p\u00ebrqindje jav\u00ebn e kaluar.<\/span><\/p>\n Bordi i bank\u00ebs nuk u t\u00ebrhoq nga rritja e paralajm\u00ebruar qysh n\u00eb muajin shkurt, megjith\u00ebse nj\u00eb pjes\u00eb e analist\u00ebve hipotizuan mund\u00ebsin\u00eb e frenimit t\u00eb rritjes s\u00eb interesave, p\u00ebr shkak t\u00eb goditjeve q\u00eb p\u00ebsoi sektori bankar n\u00eb SHBA dhe problemet e reja t\u00eb nj\u00eb nd\u00ebr bankave m\u00eb t\u00eb r\u00ebnd\u00ebsishme n\u00eb Europ\u00eb, Credit Suisse.<\/span><\/p>\n Vendimi i BQE-s\u00eb solli p\u00ebrs\u00ebri pak\u00ebnaq\u00ebsi n\u00eb disa prej vendeve an\u00ebtare, p\u00ebr shkak t\u00eb shqet\u00ebsimeve se rritja e normave t\u00eb interesit do t\u00eb sjell\u00eb nj\u00eb frenim t\u00eb fort\u00eb n\u00eb aktivitetin ekonomik dhe shton gjasat p\u00ebr nj\u00eb recesion.<\/span><\/p>\n Nj\u00eb nga problemet kryesore ngelet efekti q\u00eb kursi i BQE-s\u00eb do t\u00eb jap\u00eb n\u00eb normat e interesit t\u00eb kredive n\u00eb euro. Megjith\u00ebse Shqip\u00ebria nuk \u00ebsht\u00eb vend an\u00ebtar i Eurozon\u00ebs, efektet e vendimmarrjes s\u00eb BQE-s\u00eb do t\u00eb ndihen edhe n\u00eb Shqip\u00ebri, p\u00ebr shkak t\u00eb euroizimit t\u00eb lart\u00eb t\u00eb sektorit financiar. <\/span><\/p>\n Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kredit\u00eb n\u00eb valut\u00eb t\u00eb huaj dhe kryesisht n\u00eb euro p\u00ebrb\u00ebnin 52% t\u00eb portofolit t\u00eb kredis\u00eb bankare n\u00eb fund t\u00eb vitit t\u00eb kaluar. N\u00eb pjes\u00ebn m\u00eb t\u00eb madhe, k\u00ebto jan\u00eb kredi me interesa t\u00eb ndryshueshme t\u00eb bizneseve dhe familjeve. K\u00ebto kredi kuotohen bazuar n\u00eb treguesin referues t\u00eb Euriborit, zakonisht atij 12-mujor.<\/span><\/p>\n Duke filluar nga tremujori i dyt\u00eb i vitit t\u00eb kaluar, Euribori nisi nj\u00eb rritje graduale dhe n\u00eb fillim t\u00eb muajit mars t\u00eb k\u00ebtij viti arriti pran\u00eb nivelit t\u00eb 4%. N\u00eb mes t\u00eb muajit mars, pritshm\u00ebria p\u00ebr frenimin e rritjes s\u00eb interesave nga BQE-ja b\u00ebri q\u00eb Euribori t\u00eb p\u00ebsonte nj\u00eb r\u00ebnie t\u00eb fort\u00eb n\u00eb harkun e pak dit\u00ebve, duke zbritur deri n\u00eb 3.3%. Por, rritja e re e norm\u00ebs baz\u00eb nga BQE-ja pritet t\u00eb sjell\u00eb nj\u00eb rikthim t\u00eb shpejt\u00eb n\u00eb rritjen e Euriborit pran\u00eb kufirit t\u00eb 4%.<\/span><\/p>\n Deri n\u00eb prill 2022, ky tregues ishte n\u00eb nivele negative dhe llogaritej zero n\u00eb p\u00ebrcaktimin e interesit t\u00eb kredive t\u00eb nd\u00ebrtuara mbi t\u00eb. Duke shtuar nj\u00eb marzh prej 4%, nj\u00eb vit m\u00eb par\u00eb interesi total p\u00ebr nj\u00eb kredi me interes t\u00eb ndryshuesh\u00ebm n\u00eb euro ishte af\u00ebrsisht 4%.<\/span><\/p>\n N\u00ebse Euribori, ashtu si\u00e7 pritet, t\u00eb pakt\u00ebn n\u00eb afatin e shkurt\u00ebr, do t\u00eb arrij\u00eb pran\u00eb nivelit t\u00eb 4%, kjo do ta \u00e7onte interesin total t\u00eb nj\u00eb kredie tipike hipotekare n\u00eb euro n\u00eb rreth 8%.<\/span><\/p>\n P\u00ebr nj\u00eb kredi me vler\u00eb 70 mij\u00eb euro dhe me maturitet 25 vje\u00e7ar, nj\u00eb vit m\u00eb par\u00eb k\u00ebsti mund t\u00eb llogaritej n\u00eb 369 euro, nd\u00ebrsa me norm\u00ebn e sotme t\u00eb Euriborit k\u00ebsti i kredis\u00eb do t\u00eb arrinte n\u00eb 540 Euro. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, vlera e k\u00ebsti do t\u00eb rezultonte e rritur me 171 euro ose rreth 46%.<\/span><\/p>\n Megjithat\u00eb, n\u00eb nj\u00eb horizont kohor pak m\u00eb t\u00eb gjat\u00eb, analist\u00ebt financiar\u00eb presin q\u00eb BQE-ja t\u00eb frenoj\u00eb kursin e rritjes dhe ndoshta t\u00eb mendoj\u00eb s\u00ebrish p\u00ebr ulje t\u00eb normave t\u00eb interesit. Por, nj\u00eb gj\u00eb e till\u00eb pritet t\u00eb ndodh\u00eb vet\u00ebm pas vjesht\u00ebs.<\/span><\/p>\n P\u00ebr kredimarr\u00ebsit shqiptar\u00eb, rritja e interesave t\u00eb kredive n\u00eb euro po zbutet pjes\u00ebrisht nga forcimi i lekut n\u00eb kursin e k\u00ebmbimit me monedh\u00ebn europiane, duke pasur parasysh se pjesa m\u00eb e madhe e huamarr\u00ebsve familjar\u00eb i kan\u00eb t\u00eb ardhurat e tyre n\u00eb monedh\u00ebn vendase. Sipas kursit zyrtar t\u00eb k\u00ebmbimit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, aktualisht kursi euro-lek rezulton n\u00eb r\u00ebnie vjetore me pothuajse 7%. Forcimi i lekut e ka amortizuar rrjedhimisht nj\u00eb pjes\u00eb t\u00eb rritjes s\u00eb interesave dhe p\u00ebr shembullin e m\u00ebsip\u00ebrm shtrenjtimi vjetor i k\u00ebstit t\u00eb kredis\u00eb, i shprehur n\u00eb lek\u00eb, do t\u00eb rezultonte rreth 39%. \/E.Shehu<\/span><\/p>\n