{"id":625409,"date":"2023-10-22T10:20:58","date_gmt":"2023-10-22T08:20:58","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=625409"},"modified":"2023-10-22T10:20:58","modified_gmt":"2023-10-22T08:20:58","slug":"cmimet-dhe-interesat-e-larta-ulin-kerkesen-per-blerje-apartamentesh","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2023\/10\/22\/cmimet-dhe-interesat-e-larta-ulin-kerkesen-per-blerje-apartamentesh\/","title":{"rendered":"\u00c7mimet dhe interesat e larta ulin k\u00ebrkes\u00ebn p\u00ebr blerje apartamentesh","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p><a style=\"color: #000000;\" href=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-621235\" src=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1.jpg\" alt=\"\" width=\"2560\" height=\"1440\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1.jpg 2560w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1-300x169.jpg 300w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1-1024x576.jpg 1024w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1-768x432.jpg 768w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1-1536x864.jpg 1536w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Tirana-prona-apartamente-ndertime-2-1082-scaled-1-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/a><\/p>\n<p><span style=\"color: #000000;\">Shtrenjtimi i \u00e7mimeve t\u00eb apartamenteve ka filluar t\u00eb ndikoj\u00eb n\u00eb trendin e r\u00ebnies s\u00eb k\u00ebrkes\u00ebs p\u00ebr prona me \u00e7mim shitjeje mbi 1,500 euro\/m\u00b2.<\/span><\/p>\n<p><span style=\"color: #000000;\">Agjent\u00ebt imobiliar\u00eb pohojn\u00eb se edhe rritja e normave t\u00eb interesit t\u00eb kredive dhe mungesa e nj\u00eb amnistie p\u00ebr t\u00eb ardhurat e padeklaruara po tkurr numrin e bler\u00ebsve t\u00eb pronave. Si ekspert\u00ebt, edhe nd\u00ebrtuesit, nuk parashikojn\u00eb r\u00ebnie \u00e7mimesh.<\/span><\/p>\n<p><span style=\"color: #000000;\">Rritja e taksave nga ndryshimi i \u00e7mimeve t\u00eb referenc\u00ebs, sipas Shoqat\u00ebs s\u00eb Nd\u00ebrtuesve, pritet t\u00eb sjell\u00eb shtrenjtim t\u00eb pronave nga 150 deri n\u00eb 300 euro\/m\u00b2. N\u00eb r\u00ebnie jan\u00eb dhe investimet e huaja n\u00eb pasuri t\u00eb paluajtshme.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u00a0Tregu i pasurive t\u00eb paluajtshme n\u00eb Tiran\u00eb, sipas agjent\u00ebve imobiliar\u00eb, e ka nisur sezonin e vjesht\u00ebs me k\u00ebrkes\u00eb m\u00eb t\u00eb ul\u00ebt p\u00ebr apartamente. Ky trend pritet t\u00eb vazhdoj\u00eb edhe n\u00eb muajt e ardhsh\u00ebm.<\/span><\/p>\n<p><span style=\"color: #000000;\">Drejtuesi i agjencis\u00eb imobiliare \u201cFuture Home\u201d, z. Fatjon Hysenbelliu, tha se ka r\u00ebn\u00eb k\u00ebrkesa p\u00ebr prona me vendndodhje pran\u00eb qendr\u00ebs, me \u00e7mim shitjeje mbi 1,500 euro\/m\u00b2. Ky trend \u00ebsht\u00eb par\u00eb edhe p\u00ebr banesat e tjera n\u00eb zonat af\u00ebr qendr\u00ebs.<\/span><\/p>\n<p><span style=\"color: #000000;\">N\u00eb t\u00eb kund\u00ebrt, k\u00ebrkesa p\u00ebr banesa rezidenciale n\u00eb godinat e nd\u00ebrtuara 2-3 vitet e fundit dhe n\u00eb nd\u00ebrtimet e sapop\u00ebrfunduara n\u00eb zonat jasht\u00eb Unaz\u00ebs s\u00eb Vog\u00ebl n\u00eb Tiran\u00eb \u00ebsht\u00eb e nj\u00ebjt\u00eb me vitin e kaluar.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cTrendi i rritjes s\u00eb \u00e7mimeve t\u00eb pronave, t\u00eb pap\u00ebrballueshme nga masa e gjer\u00eb e popullsis\u00eb, si dhe rritja e k\u00ebrkes\u00ebs p\u00ebr blerje n\u00eb zonat bregdetare t\u00eb Jugut, jan\u00eb disa nga arsyet q\u00eb po ndikojn\u00eb te tkurrja e k\u00ebrkes\u00ebs\u201d, pohon ai.<\/span><\/p>\n<p><span style=\"color: #000000;\">Edhe pritshm\u00ebrit\u00eb e nd\u00ebrtuesve p\u00ebr kontratat e shitjeve jan\u00eb n\u00eb kahun r\u00ebn\u00ebs. Sipas vrojtimit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr besimin e biznesit dhe konsumatorit, n\u00eb muajin shator treguesi q\u00eb paraqet balanc\u00ebn e kontratave porosit\u00ebse n\u00eb nd\u00ebrtim sh\u00ebnoi nj\u00eb vler\u00eb negative prej 22.9 pik\u00eb , duke u thelluar edhe m\u00eb shum\u00eb nga niveli -18.3 pik\u00eb i muajit gusht 2023.<\/span><\/p>\n<p><span style=\"color: #000000;\">Rezultatet e treguesit t\u00eb vrojtimit p\u00ebr kontratat porosit\u00ebse (shitjet) maten n\u00ebp\u00ebrmjet vrojtimit pas vler\u00ebsimeve t\u00eb dh\u00ebna nga nd\u00ebrtuesit n\u00ebp\u00ebrmjet p\u00ebrgjigjeve:<\/span><\/p>\n<p><span style=\"color: #000000;\">1.M\u00ebse mjaftuesh\u00ebm (mbi normalen;<\/span><\/p>\n<p><span style=\"color: #000000;\">2.Mjaftuesh\u00ebm (normal p\u00ebr sezonin);<\/span><\/p>\n<p><span style=\"color: #000000;\">3.Jo mjaftuesh\u00ebm (n\u00ebn normalen). P\u00ebr pyetjen \u201cSi i vler\u00ebsoni porosit\u00eb (kontratat porosit\u00ebse) aktualisht?\u201d. P\u00ebrkeq\u00ebsimi i balanc\u00ebs tregon se gjithnj\u00eb m\u00eb shum\u00eb nd\u00ebrtues presin r\u00ebnies t\u00eb porosive sesa rritje t\u00eb tyre.<\/span><\/p>\n<div id=\"attachment_625410\" style=\"width: 1731px\" class=\"wp-caption aligncenter\"><a style=\"color: #000000;\" href=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Si-i-vleresoni-porosite-kontratat-porositese-aktualisht-Balanca-e-pergjigjeve-maj-2016-Shtator-2023-1102.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-625410\" class=\"size-full wp-image-625410\" src=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Si-i-vleresoni-porosite-kontratat-porositese-aktualisht-Balanca-e-pergjigjeve-maj-2016-Shtator-2023-1102.jpg\" alt=\"\" width=\"1721\" height=\"780\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Si-i-vleresoni-porosite-kontratat-porositese-aktualisht-Balanca-e-pergjigjeve-maj-2016-Shtator-2023-1102.jpg 1721w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Si-i-vleresoni-porosite-kontratat-porositese-aktualisht-Balanca-e-pergjigjeve-maj-2016-Shtator-2023-1102-300x136.jpg 300w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Si-i-vleresoni-porosite-kontratat-porositese-aktualisht-Balanca-e-pergjigjeve-maj-2016-Shtator-2023-1102-1024x464.jpg 1024w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Si-i-vleresoni-porosite-kontratat-porositese-aktualisht-Balanca-e-pergjigjeve-maj-2016-Shtator-2023-1102-768x348.jpg 768w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Si-i-vleresoni-porosite-kontratat-porositese-aktualisht-Balanca-e-pergjigjeve-maj-2016-Shtator-2023-1102-1536x696.jpg 1536w\" sizes=\"auto, (max-width: 1721px) 100vw, 1721px\" \/><\/a><p id=\"caption-attachment-625410\" class=\"wp-caption-text\"><\/span> <span style=\"color: #000000;\">Burimi: Vrojtimi i bizneseve dhe konsumator\u00ebve, nd\u00ebrtimi, shtator 2023, Banka e Shqip\u00ebris\u00eb<\/span><\/p><\/div>\n<p><span style=\"color: #000000;\">Me rritjen e lart\u00eb t\u00eb \u00e7mimeve, bler\u00ebsit po b\u00ebhen m\u00eb t\u00eb vet\u00ebdijsh\u00ebm p\u00ebr vler\u00ebn e apartamenteve kur zgjedhin se ku t\u2019i investojn\u00eb parat\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cPavar\u00ebsisht rritjes s\u00eb numrit t\u00eb lejeve t\u00eb nd\u00ebrtimit, agjent\u00ebt imobiliar\u00eb prej disa koh\u00ebsh nuk kan\u00eb prona p\u00ebr t\u00eb shitur. Kjo po ndodh jo se nuk po nd\u00ebrtohet mjaftuesh\u00ebm, por sepse \u00e7mimi \u00ebsht\u00eb rritur shum\u00eb krahasuar me ekonomin\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">V\u00ebm\u00eb re se n\u00eb momentet e para t\u00eb listimit t\u00eb nj\u00eb prone me \u00e7mimin e vler\u00ebsuar nga agjenti (q\u00eb i afrohet gjithmon\u00eb e m\u00eb shum\u00eb realitetit) prona shitet n\u00eb nj\u00eb periudh\u00eb mjaft t\u00eb shkurt\u00ebr\u201d \u2013 thot\u00eb Dritan Leka, drejtues i agjencis\u00eb imobiliare \u201cCentury 21 CPM Smart\u201d.<\/span><\/p>\n<p><span style=\"color: #000000;\">Sipas t\u00eb dh\u00ebnave t\u00eb INSTAT, gjat\u00eb viteve t\u00eb fundit \u00ebsht\u00eb rritur ndjesh\u00ebm sip\u00ebrfaqja e dh\u00ebn\u00eb p\u00ebr nd\u00ebrtime rezidenciale n\u00eb Tiran\u00eb, duke kulmuar n\u00eb 2022 n\u00eb 1.8 milion\u00eb metra katror, \u00e7ka tregon p\u00ebr nj\u00eb shtim t\u00eb lart\u00eb t\u00eb ofert\u00ebs p\u00ebr banim.<\/span><\/p>\n<div id=\"attachment_625411\" style=\"width: 1731px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Siperfaqja-e-banesave-sipas-lejeve-te-ndertimit-Prefektura-Tirane-1102.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-625411\" class=\"size-full wp-image-625411\" src=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Siperfaqja-e-banesave-sipas-lejeve-te-ndertimit-Prefektura-Tirane-1102.jpg\" alt=\"\" width=\"1721\" height=\"780\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Siperfaqja-e-banesave-sipas-lejeve-te-ndertimit-Prefektura-Tirane-1102.jpg 1721w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Siperfaqja-e-banesave-sipas-lejeve-te-ndertimit-Prefektura-Tirane-1102-300x136.jpg 300w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Siperfaqja-e-banesave-sipas-lejeve-te-ndertimit-Prefektura-Tirane-1102-1024x464.jpg 1024w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Siperfaqja-e-banesave-sipas-lejeve-te-ndertimit-Prefektura-Tirane-1102-768x348.jpg 768w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Siperfaqja-e-banesave-sipas-lejeve-te-ndertimit-Prefektura-Tirane-1102-1536x696.jpg 1536w\" sizes=\"auto, (max-width: 1721px) 100vw, 1721px\" \/><\/a><p id=\"caption-attachment-625411\" class=\"wp-caption-text\">Burimi: INSTAT<\/p><\/div>\n<p><span style=\"color: #000000;\">Ndryshe nga agjencit\u00eb e tjera, p\u00ebr Jonian Antonin, drejtuesin e agjencis\u00eb imobiliare \u201cCentury 21 Albania\u201d, trendi i k\u00ebrkes\u00ebs p\u00ebr prona n\u00eb Tiran\u00eb prej 2021 vijon t\u00eb mbetet i lart\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">Sipas tij, faktor\u00ebt kryesor\u00eb q\u00eb po ndikojn\u00eb n\u00eb mosr\u00ebnien e k\u00ebrkes\u00ebs \u00ebsht\u00eb imigrimi i brendsh\u00ebm, rritja e pagave dhe stoku i lart\u00eb i nd\u00ebrtesave t\u00eb nd\u00ebrtuara n\u00eb periudh\u00ebn para \u201890.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cN\u00eb Tiran\u00eb, sipas statistikave, \u00e7do vit transferohen rreth 30 mij\u00eb banor\u00eb t\u00eb rinj, t\u00eb cil\u00ebt p\u00ebrb\u00ebjn\u00eb t\u00eb pakt\u00ebn 10,000 nj\u00ebsi t\u00eb reja sht\u00ebpi\/apartament. Rritja konstante e pagave e tundon konsumatorin t\u00eb shikoj\u00eb p\u00ebr nj\u00eb sht\u00ebpi m\u00eb t\u00eb mir\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">T\u00eb mos harrojm\u00eb gjithashtu se n\u00eb Tiran\u00eb, ende 50% e banor\u00ebve jetojn\u00eb n\u00eb sht\u00ebpi t\u00eb vjetra dhe t\u00eb amortizuara. Shumica e godinave t\u00eb banimit t\u00eb nd\u00ebrtuara n\u00eb periudh\u00ebn para \u201890 nuk i plot\u00ebsojn\u00eb standardet europiane t\u00eb cil\u00ebsis\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">Nj\u00eb pjes\u00eb e mir\u00eb e bler\u00ebsve t\u00eb apartamenteve jan\u00eb ata q\u00eb k\u00ebrkojn\u00eb t\u00eb l\u00ebvizin nga k\u00ebto nj\u00ebsi t\u00eb vjetra drejt atyre cil\u00ebsore dhe me kushte m\u00eb t\u00eb mira\u201d.<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>P\u00ebrkeq\u00ebsohet treguesi i besimit n\u00eb nd\u00ebrtim n\u00eb muajin shtator<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">P\u00ebr shkak t\u00eb shtr\u00ebngimit t\u00eb kushteve p\u00ebr kredi dhe munges\u00ebs s\u00eb theksuar t\u00eb fuqis\u00eb pun\u00ebtore, nd\u00ebrtimi \u00ebsht\u00eb nj\u00eb nga sektor\u00ebt m\u00eb t\u00eb prekur k\u00ebt\u00eb vit.<\/span><\/p>\n<p><span style=\"color: #000000;\">Sipas raportit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u201cP\u00ebr vrojtimin e besimit t\u00eb biznesit dhe konsumatorit\u201d, Treguesi i Besimit n\u00eb Nd\u00ebrtim (TBN) regjistroi r\u00ebnie me 9,9% n\u00eb shtator, krahasuar me muajin gusht 2023.<\/span><\/p>\n<p><span style=\"color: #000000;\">Megjithat\u00eb, niveli i tij vijon t\u00eb q\u00ebndroj\u00eb n\u00eb nivele t\u00eb larta, 18% mbi mesataren historike.<\/span><\/p>\n<p><span style=\"color: #000000;\">R\u00ebnia e TBN-s\u00eb u p\u00ebrcaktua kryesisht nga vler\u00ebsime m\u00eb pak optimiste p\u00ebr aktivitetin aktual nd\u00ebrtues. Vler\u00ebsimi p\u00ebr nivelin e porosive regjistroi r\u00ebnie, por n\u00eb mas\u00eb m\u00eb t\u00eb ul\u00ebt.<\/span><\/p>\n<p><span style=\"color: #000000;\">Gjithashtu, pritjet p\u00ebr pun\u00ebsimin n\u00eb t\u00eb ardhmen kan\u00eb regjistruar r\u00ebnie. Pritjet p\u00ebr \u00e7mimet q\u00eb do t\u00eb vendosin n\u00eb t\u00eb ardhmen kan\u00eb sh\u00ebnuar rritje t\u00eb leht\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">N\u00eb p\u00ebrgjith\u00ebsi, sektori i nd\u00ebrtimit n\u00eb Shqip\u00ebri vazhdon t\u00eb d\u00ebshmoj\u00eb q\u00ebndrueshm\u00ebrin\u00eb edhe gjat\u00eb periudhave t\u00eb pasiguris\u00eb ekonomike. Sipas t\u00eb dh\u00ebnave t\u00eb INSTAT, vlera totale e sektorit n\u00eb Prodhimin e Brendsh\u00ebm Bruto n\u00eb vitin 2022 ishte 1,9 miliard\u00eb euro, apo rreth 10% e PBB-s\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>Rritja e normave t\u00eb interesit tkurr k\u00ebrkes\u00ebn e individ\u00ebve t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">Norma mesatare e interesit t\u00eb kredive t\u00eb reja n\u00eb lek\u00eb p\u00ebr blerje sht\u00ebpie n\u00eb muajin korrik 2023 arriti 4,04% nga 3.57% q\u00eb ishte n\u00eb muajin shkurt 2022 sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">P\u00ebr kredit\u00eb n\u00eb euro norma mesatare n\u00eb muajin korrik 2023 arriti 5,32% nga 3,54% q\u00eb ishte p\u00ebr muajin shkurt 2022.<\/span><\/p>\n<p><span style=\"color: #000000;\">Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, rreth 41% e kredis\u00eb s\u00eb dh\u00ebn\u00eb \u00ebsht\u00eb n\u00eb euro dhe pjesa tjet\u00ebr n\u00eb monedh\u00ebn vendase.<\/span><\/p>\n<div id=\"attachment_625412\" style=\"width: 1731px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Norma-mesatare-e-interesit-te-kredive-te-reja-per-shtepi-1102.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-625412\" class=\"size-full wp-image-625412\" src=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Norma-mesatare-e-interesit-te-kredive-te-reja-per-shtepi-1102.jpg\" alt=\"\" width=\"1721\" height=\"780\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Norma-mesatare-e-interesit-te-kredive-te-reja-per-shtepi-1102.jpg 1721w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Norma-mesatare-e-interesit-te-kredive-te-reja-per-shtepi-1102-300x136.jpg 300w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Norma-mesatare-e-interesit-te-kredive-te-reja-per-shtepi-1102-1024x464.jpg 1024w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Norma-mesatare-e-interesit-te-kredive-te-reja-per-shtepi-1102-768x348.jpg 768w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Norma-mesatare-e-interesit-te-kredive-te-reja-per-shtepi-1102-1536x696.jpg 1536w\" sizes=\"auto, (max-width: 1721px) 100vw, 1721px\" \/><\/a><p id=\"caption-attachment-625412\" class=\"wp-caption-text\">Burimi: INSTAT<\/p><\/div>\n<p><span style=\"color: #000000;\">Rritja e normave t\u00eb interesit po sjell gradualisht edhe nj\u00eb r\u00ebnie t\u00eb k\u00ebrkes\u00ebs p\u00ebr kredi bankare p\u00ebr blerje pronash.<\/span><\/p>\n<p><span style=\"color: #000000;\">Sipas t\u00eb dh\u00ebnave statistikore t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vlera e kredis\u00eb s\u00eb re p\u00ebr sht\u00ebpi n\u00eb muajt janar-gusht 2023 ishte 30,9 miliard\u00eb lek\u00eb.\u00a0 Krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb 2022, kredia e re p\u00ebr sht\u00ebpi ra rreth 3%.<\/span><\/p>\n<div id=\"attachment_625413\" style=\"width: 1731px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Kredia-e-re-per-shtepi-ne-8-mujorin-e-pare-te-vitit-miliarde-leke-1102.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-625413\" class=\"size-full wp-image-625413\" src=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Kredia-e-re-per-shtepi-ne-8-mujorin-e-pare-te-vitit-miliarde-leke-1102.jpg\" alt=\"\" width=\"1721\" height=\"780\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Kredia-e-re-per-shtepi-ne-8-mujorin-e-pare-te-vitit-miliarde-leke-1102.jpg 1721w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Kredia-e-re-per-shtepi-ne-8-mujorin-e-pare-te-vitit-miliarde-leke-1102-300x136.jpg 300w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Kredia-e-re-per-shtepi-ne-8-mujorin-e-pare-te-vitit-miliarde-leke-1102-1024x464.jpg 1024w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Kredia-e-re-per-shtepi-ne-8-mujorin-e-pare-te-vitit-miliarde-leke-1102-768x348.jpg 768w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/10\/Kredia-e-re-per-shtepi-ne-8-mujorin-e-pare-te-vitit-miliarde-leke-1102-1536x696.jpg 1536w\" sizes=\"auto, (max-width: 1721px) 100vw, 1721px\" \/><\/a><p id=\"caption-attachment-625413\" class=\"wp-caption-text\">Burimi: Banka e Shqip\u00ebris\u00eb<\/p><\/div>\n<p><span style=\"color: #000000;\">Shoqata e Bankave t\u00eb Shqip\u00ebris\u00eb pohon se rritja e normave t\u00eb interesit deri tani nuk ka dh\u00ebn\u00eb efekt negativ. Produkti kredi p\u00ebr sht\u00ebpi \u00ebsht\u00eb produkti m\u00eb stab\u00ebl, me rritje t\u00eb q\u00ebndrueshme nga nj\u00eb vit n\u00eb tjetrin dhe q\u00eb ka NPL m\u00eb t\u00eb ul\u00ebt.<\/span><\/p>\n<p><span style=\"color: #000000;\">Pavar\u00ebsisht frenimit k\u00ebta dy muaj, p\u00ebr shkak t\u00eb kadastr\u00ebs, produkti kredi p\u00ebr sht\u00ebpi \u00ebsht\u00eb i q\u00ebndruesh\u00ebm n\u00eb rritjen e vet.<\/span><\/p>\n<p><span style=\"color: #000000;\">Agjent\u00ebt imobiliar\u00eb vler\u00ebsojn\u00eb se pjesa m\u00eb e madhe e pronave p\u00ebr banim blihen me financime bankare dhe rritja e normave t\u00eb interesit po reflektohet te tendenca e k\u00ebrkes\u00ebs.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cRritja e norm\u00ebs s\u00eb interesit ka stepur individ\u00ebt p\u00ebr t\u00eb b\u00ebr\u00eb blerje impulsive.<\/span><\/p>\n<p><span style=\"color: #000000;\">N\u00ebse nj\u00eb klient ishte nisur t\u00eb blinte nj\u00eb apartament me vler\u00eb nga 100,000 deri n\u00eb 120,000 euro dhe do t\u00eb financohej p\u00ebr nj\u00eb pjes\u00eb t\u00eb mir\u00eb t\u00eb k\u00ebsaj blerje, ky klient nuk financohet p\u00ebr t\u00eb bler\u00eb po t\u00eb nj\u00ebjtin apartament 150,000 deri n\u00eb 200,000 euro, sepse vlera p\u00ebr t\u00eb cil\u00ebn ai do t\u00eb duhet t\u00eb kreditohet \u00ebsht\u00eb shum\u00eb e lart\u00eb dhe po ashtu, edhe interesi q\u00eb i duhet t\u00eb paguaj\u00eb\u201d, pohon Dritan Leka, nga agjencia imobiliare \u201cCentury 21 CPM Smart\u201d.<\/span><\/p>\n<p><span style=\"color: #000000;\">P\u00ebr ekspert\u00ebt e agjencive imobiliare, blerja e apartamenteve n\u00ebp\u00ebrmjet kredive mbeten nj\u00eb zgjidhje p\u00ebr familjet me t\u00eb ardhura mesatare, por p\u00ebr t\u00eb nj\u00ebjtat arsye, me rritjen e inflacionit dhe kostos s\u00eb jetes\u00ebs q\u00eb r\u00ebndon buxhetet e familjeve, m\u00eb shum\u00eb qiramarr\u00ebs ka t\u00eb ngjar\u00eb t\u00eb ken\u00eb nj\u00eb qasje t\u00eb ngjashme kur marrin sht\u00ebpi me qira, duke k\u00ebrkuar prona me sip\u00ebrfaqe m\u00eb t\u00eb vogla, pasi \u00e7mimi \u00ebsht\u00eb m\u00eb i lir\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">Rastet e pakta q\u00eb firmat e nd\u00ebrtimit mb\u00ebshtesin me kolateral kredimarr\u00ebsit p\u00ebr sht\u00ebpi vler\u00ebsohen nj\u00eb tjet\u00ebr faktor q\u00eb po ndikon te tkurrja e k\u00ebrkes\u00ebs p\u00ebr kredi nga familjar\u00ebt.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cJan\u00eb t\u00eb pakta firmat e nd\u00ebrtimit q\u00eb pranojn\u00eb t\u00eb l\u00ebn\u00eb kolateralet e tyre p\u00ebr bler\u00ebsit me kreditim nga banka, ku n\u00eb t\u00eb tilla transaksione norma e interesit \u00ebsht\u00eb edhe m\u00eb e lart\u00eb se kredit\u00eb normale.<\/span><\/p>\n<p><span style=\"color: #000000;\">P\u00ebr k\u00ebt\u00eb arsye, bankat duhet t\u00eb rishikojn\u00eb procedurat dhe t\u00eb krijojn\u00eb leht\u00ebsi p\u00ebr kredimarr\u00ebsit\u201d, pohon z. Hysenbelliu.<\/span><\/p>\n<p><span style=\"color: #000000;\">Mosl\u00ebnia e pron\u00ebs si koletaral p\u00ebr garancin\u00eb e marrjes s\u00eb kredive nga nd\u00ebrtuesit gjat\u00eb faz\u00ebs s\u00eb zhvillimit pohohet edhe nga Gladiola Balliu, administratore e zyr\u00ebs arkitekturore n\u00eb Tiran\u00eb \u201cGBarchs\u201d.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cN\u00eb shumic\u00ebn e rasteve, nd\u00ebrtuesit nuk k\u00ebrkojn\u00eb t\u00eb p\u00ebrfshihen n\u00eb marr\u00ebdh\u00ebnie me bankat p\u00ebr vendosjen e pron\u00ebs si kolateral me q\u00ebllim marrjen e kredis\u00eb nga bler\u00ebsi. Disa prej tyre nuk duan t\u00eb jen\u00eb t\u00eb ekspozuar me deklarime bankare\u201d.<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>Edhe tatimi mbi pron\u00ebn 15% po ul k\u00ebrkes\u00ebn<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">Zbatimi i proceseve rivler\u00ebsuese t\u00eb pron\u00ebs me tatim 3%, nga 15% q\u00eb \u00ebsht\u00eb n\u00eb periudh\u00eb normaliteti konsiderohet nga agjent\u00ebt imobiliar\u00eb nj\u00eb frym\u00ebmarrje p\u00ebr tregun e pasurive t\u00eb paluajtshme.<\/span><\/p>\n<p><span style=\"color: #000000;\">Ai nxit transaksionet me pasurit\u00eb e paluajtshme, duke i b\u00ebr\u00eb t\u00eb gjitha pronat, pavar\u00ebsisht kategoris\u00eb, vitit t\u00eb nd\u00ebrtimit, gjendjes s\u00eb amortizimit, t\u00eb tregtueshme, konkurruese, si dhe nj\u00eb alternativ\u00eb e mir\u00eb n\u00eb treg.<\/span><\/p>\n<p><span style=\"color: #000000;\">Mungesa e k\u00ebsaj nisme dhe zbatimi i tatimit 15% p\u00ebr transaksionet e shitjes vler\u00ebsohet si tjet\u00ebr faktor q\u00eb po ul k\u00ebrkes\u00ebn. \u201cGjat\u00eb k\u00ebsaj periudhe ka pasur r\u00ebnie t\u00eb shitjeve t\u00eb pronave me kreditim edhe p\u00ebr shkak t\u00eb rikthimit t\u00eb tatimit mbi pron\u00ebn 15%.<\/span><\/p>\n<p><span style=\"color: #000000;\">Shum\u00eb pronar\u00eb refuzojn\u00eb shitjen e pronave me kreditimin nga banka p\u00ebr arsye t\u00eb pages\u00ebs s\u00eb lart\u00eb t\u00eb taks\u00ebs, duke ua v\u00ebshtir\u00ebsuar bler\u00ebsve kryerjen e transaksionit p\u00ebr pron\u00ebn ideale.<\/span><\/p>\n<p><span style=\"color: #000000;\">P\u00ebrpos v\u00ebshtir\u00ebsive t\u00eb tregut sot, bler\u00ebsit me kredi ndihen t\u00eb l\u00ebn\u00eb pas dore dhe n\u00eb shum\u00eb raste, nuk p\u00ebrfundon kryerja e transaksionit\u201d, n\u00ebnvizon z. Hysenbelliu nga \u201cFuture Home\u201d.<\/span><\/p>\n<p><span style=\"color: #000000;\">P\u00ebr shkak t\u00eb efekteve pozitive q\u00eb ka dh\u00ebn\u00eb procesi i rivler\u00ebsimit te tregu i pasurive t\u00eb paluajtshme, shoqata e nd\u00ebrmjet\u00ebsuesve NAREA parashikon t\u00eb propozoj\u00eb nj\u00eb formul\u00eb q\u00eb do t\u00eb q\u00ebndroj\u00eb afatgjat\u00eb, duke shmangur shtyrjet e shpeshta t\u00eb procesit.<\/span><\/p>\n<p><span style=\"color: #000000;\">Metoda e re e rivler\u00ebsimit q\u00eb do t\u00eb hartohet nga agjencit\u00eb imobiliare n\u00eb bashk\u00ebpunim me MFE pritet t\u00eb kategorizoj\u00eb apartamentet sipas vjet\u00ebrsis\u00eb, amortizimit dhe rregullave kontab\u00ebl.<\/span><\/p>\n<p><span style=\"color: #000000;\">NAREA pohoi m\u00eb her\u00ebt se rivler\u00ebsimi nxit formalizimin dhe shmangien e evazionit fiskal n\u00eb transaksionet e kalimit t\u00eb pron\u00ebsive.<\/span><\/p>\n<p><span style=\"color: #000000;\">N\u00ebp\u00ebrmjet procesit t\u00eb rivler\u00ebsimit b\u00ebhet i mundur reflektimi i \u00e7mimit real n\u00eb treg dhe jo vet\u00ebm sipas \u00e7mimeve referenc\u00eb dhe luft\u00ebn kund\u00ebr pastrimit t\u00eb parave, duke nxitur transaksione t\u00eb rivler\u00ebsuara sipas \u00e7mimit t\u00eb tregut dhe jo vet\u00ebm sipas sistemit t\u00eb \u00e7mimeve referenc\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u00a0<strong>Problemet me Kadastr\u00ebn<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">N\u00eb muajt e ver\u00ebs, vonesat me shqyrtimin e aplikimeve n\u00eb Kadast\u00ebr p\u00ebr shkak t\u00eb ndryshimit t\u00eb sistemit, krijuan r\u00ebnie t\u00eb transaksioneve t\u00eb shitje-blerjes p\u00ebr pronat.<\/span><\/p>\n<p><span style=\"color: #000000;\">Operator\u00ebt e pasurive t\u00eb paluajtshme pohuan se u p\u00ebrball\u00ebn me vonesa p\u00ebr shqyrtimin e aplikimeve p\u00ebrtej afatit zyrtar prej dy jav\u00ebsh, q\u00eb shkaktoi r\u00ebnie t\u00eb k\u00ebrkes\u00ebs.<\/span><\/p>\n<p><span style=\"color: #000000;\">Fatjon Hysenbelliu pohon se vijon ende t\u00eb k\u00ebt\u00eb vonesa, pasi sistemi aktual nuk arrin t\u00eb organizoj\u00eb shqyrtimin e aplikimeve.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cKjo ka shtuar stresin tek agjencit\u00eb imobiliare dhe bler\u00ebsit, t\u00eb cil\u00ebt po hezitojn\u00eb t\u00eb investojn\u00eb, sidomos p\u00ebr blerje prone n\u00ebp\u00ebrmjet kreditimit, p\u00ebr t\u00eb cilat procedura zgjat m\u00eb tep\u00ebr se 90 dit\u00eb.<\/span><\/p>\n<p><span style=\"color: #000000;\">Shpresojm\u00eb q\u00eb ASHK t\u2019i jap\u00eb sa m\u00eb shpejt zgjidhje situat\u00ebs, \u00a0n\u00eb ofrimin e leht\u00ebsimit t\u00eb sh\u00ebrbimeve p\u00ebr pron\u00ebn\u201d, thot\u00eb ai.<\/span><\/p>\n<p><span style=\"color: #000000;\">Nd\u00ebrsa Dritan Leka thot\u00eb se vonesat dhe paqart\u00ebsia q\u00eb u krijuan n\u00eb periudh\u00ebn e ver\u00ebs me Kadastr\u00ebn soll\u00ebn shum\u00eb problematika tek operator\u00ebt dhe mosp\u00ebrfundim transaksionesh.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cN\u00eb zonat bregdetare pati anulim t\u00eb transaksioneve, si pasoj\u00eb e vonesave dhe faktit se klient\u00ebt q\u00eb i blinin, donin t\u2019i shfryt\u00ebzonin p\u00ebr sezonin.<\/span><\/p>\n<p><span style=\"color: #000000;\">Megjithat\u00eb vihet re se kjo po shkon drejt normalizimit dhe se veprimet hipotekore, sidomos ato t\u00eb realizuara me k\u00ebrkes\u00eb \u201cfast\u201d (t\u00eb shpejt\u00eb) marrin p\u00ebrgjigje brenda 2-3 dit\u00ebve.<\/span><\/p>\n<p><span style=\"color: #000000;\">Z.Antoni, nga real estate \u201cCentyry 21\u201d pohon se rezultatet reale n\u00eb totalin e shitjeve t\u00eb pronave p\u00ebr vonesat gjat\u00eb stin\u00ebs s\u00eb ver\u00ebs do t\u00eb mund t\u00eb maten n\u00eb fund t\u00eb vitit.<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cN\u00eb Kadast\u00ebr ndryshoi sistemi n\u00eb kuad\u00ebr t\u00eb p\u00ebrmir\u00ebsimit t\u00eb pun\u00ebs. Ky ndryshim ka shkaktuar shum\u00eb vonesa n\u00eb periudh\u00ebn qershor-korrik-gusht.<\/span><\/p>\n<p><span style=\"color: #000000;\">Patjet\u00ebr q\u00eb vonesat nuk jan\u00eb t\u00eb mira, sidomos p\u00ebr bler\u00ebsit e huaj q\u00eb k\u00ebrkojn\u00eb nj\u00eb sistem t\u00eb shpejt\u00eb dhe solid.<\/span><\/p>\n<p><span style=\"color: #000000;\">Pasurit\u00eb e patundshme jan\u00eb nj\u00eb nga z\u00ebrat kryesor\u00eb t\u00eb PBB-s\u00eb s\u00eb Shqip\u00ebris\u00eb, p\u00ebr rrjedhoj\u00eb duhet gjithnj\u00eb t\u00eb ket\u00eb nj\u00eb proces t\u00eb shpejt\u00eb dhe t\u00eb sigurt nga kadastra\u201d.<\/span><\/p>\n<p><span style=\"color: #000000;\"><span style=\"color: #ff0000;\"><strong>VINI RE:<\/strong> <\/span>Artikulli \u00ebsht\u00eb pron\u00eb intelektuale e <a href=\"https:\/\/www.monitor.al\/cmimet-dhe-interesat-e-larta-ulin-kerkesen-per-blerje-apartamentesh-2\/\"><span style=\"color: #3366ff;\"><strong>Revista Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>Shtrenjtimi i \u00e7mimeve t\u00eb apartamenteve ka filluar t\u00eb ndikoj\u00eb n\u00eb trendin e r\u00ebnies s\u00eb k\u00ebrkes\u00ebs p\u00ebr prona me \u00e7mim shitjeje mbi 1,500 euro\/m\u00b2. Agjent\u00ebt imobiliar\u00eb pohojn\u00eb se edhe rritja e normave t\u00eb interesit t\u00eb kredive dhe mungesa e nj\u00eb amnistie p\u00ebr t\u00eb ardhurat e padeklaruara po tkurr numrin e bler\u00ebsve t\u00eb pronave. Si ekspert\u00ebt, edhe [&hellip;]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":621235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-625409","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\/625409","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=625409"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/625409\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/621235"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=625409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=625409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=625409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}