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Qeveria shqiptare mund t\u00eb rikthej\u00eb aplikimin e tatimit mbi vler\u00ebn e shtuar n\u00eb sigurime n\u00eb vitin 2026.<\/span><\/p>\n N\u00eb raportin e fundit p\u00ebr Shqip\u00ebrin\u00eb, Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN), mb\u00ebshtetur n\u00eb informacionin e Ministris\u00eb s\u00eb Financave, rendit vendosjen e TVSH-s\u00eb n\u00eb sigurime si nj\u00eb nd\u00ebr masat pjes\u00eb e strategjis\u00eb afatmesme t\u00eb t\u00eb ardhurave.<\/span><\/p>\n Sigurimi i Jo-Jet\u00ebs ka qen\u00eb i p\u00ebrfshir\u00eb n\u00eb skem\u00ebn e TVSH-s\u00eb n\u00eb Shqip\u00ebri deri n\u00eb vitin 2014. Nga 1 Janari 2015, sigurimet u trajtuan si furnizim i p\u00ebrjashtuar nga TVSH-ja, n\u00eb p\u00ebrputhje me direktiv\u00ebn p\u00ebrkat\u00ebse t\u00eb Bashkimit Europian. Megjithat\u00eb, mbi tarifat e sigurimit u aplikua taksa e primit t\u00eb sigurimit, n\u00eb mas\u00ebn 3 % deri n\u00eb vitin 2016 dhe m\u00eb pas 10%, shkall\u00eb q\u00eb vazhdon t\u00eb jet\u00eb n\u00eb fuqi edhe sot.<\/span><\/p>\n N\u00eb raportin e FMN nuk sakt\u00ebsohet masa e TVSH-s\u00eb q\u00eb synohet t\u00eb aplikohet, por megjithat\u00eb mb\u00ebshtetur n\u00eb sugjerimet e m\u00ebparshme nga vet\u00eb FMN pritet q\u00eb sigurimi i jo-jet\u00ebs, t\u00eb p\u00ebrfshihet n\u00eb skem\u00ebn e TVSH-s\u00eb me tarif\u00eb standarde 20%. Futja n\u00eb skem\u00ebn e TVSH-s\u00eb do t\u00eb z\u00ebvend\u00ebsonte taks\u00ebn e primit t\u00eb sigurimit, q\u00eb do t\u00eb p\u00ebrkthehej me nj\u00eb ndryshim t\u00eb shkall\u00ebs tatimore me 10 pik\u00eb p\u00ebrqindje.<\/span><\/p>\n Industria e sigurimeve \u00ebsht\u00eb shprehur n\u00eb t\u00eb gjitha rastet kund\u00ebr rikthimit t\u00eb TVSH-s\u00eb, madje prej vitit 2021 ka k\u00ebrkuar zyrtarisht nga qeveria uljen e taks\u00ebs mbi primin p\u00ebr produktet vullnetare t\u00eb sigurimit jo-jet\u00eb, nga 10% q\u00eb \u00ebsht\u00eb aktualisht n\u00eb nivelin 2%. Siguruesit e kan\u00eb motivuar propozimin e tyre me nevoj\u00ebn p\u00ebr t\u00eb leht\u00ebsuar konsumatorin e produkteve vullnetare dhe p\u00ebr t\u00eb motivuar zgjerimin e m\u00ebtejsh\u00ebm t\u00eb k\u00ebtij tregu.<\/span><\/p>\n Sipas siguruesve, ulja e taks\u00ebs mbi primin p\u00ebr sigurimet vullnetare do t\u00eb sillte nj\u00eb mb\u00ebshtetje p\u00ebr qytetar\u00ebt, t\u00eb cil\u00ebt jan\u00eb t\u00eb pambrojtur nga rreziqet sh\u00ebndet\u00ebsore dhe materiale, duke leht\u00ebsuar indirekt dhe barr\u00ebn fiskale q\u00eb p\u00ebrballon shteti shqiptar, pasi k\u00ebto shpenzime do t\u00eb mbulohen nga shoq\u00ebrit\u00eb e sigurimeve.<\/span><\/p>\n Sipas ekspert\u00ebve t\u00eb legjislacionit fiskal, n\u00eb hap\u00ebsir\u00ebn e Bashkimit Europian sigurimet jan\u00eb t\u00eb p\u00ebrjashtuara nga TVSH-ja dhe deri m\u00eb sot nuk ka ndonj\u00eb nism\u00eb q\u00eb t\u00eb sugjeroj\u00eb vendosjen e TVSH-s\u00eb n\u00eb sigurime.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, praktikat e vendeve t\u00eb tjera lidhur me aplikimin e nj\u00eb tatimi mbi primet jan\u00eb t\u00eb ndryshme, por n\u00eb p\u00ebrgjith\u00ebsi nj\u00eb form\u00eb e till\u00eb tatimi aplikohet, me nj\u00eb frym\u00eb m\u00eb favorizuese p\u00ebr produktet e sigurimit vullnetar. N\u00eb vendet e BE-s\u00eb, trajtimi fiskal i primeve ka ndryshime t\u00eb m\u00ebdha mes vendeve.<\/span><\/p>\n 20 vende an\u00ebtare aplikojn\u00eb taksa mbi primet dhe shkalla e taksimit ka diferenca t\u00eb konsiderueshme. Disa vende i takojn\u00eb primet n\u00eb nivele t\u00eb ngjashme me shkall\u00ebn e TVSH-s\u00eb dhe taksimi mund t\u00eb arrij\u00eb n\u00eb nivelin 19%-24%, nd\u00ebrsa vende t\u00eb tjera aplikojn\u00eb taksa shum\u00eb t\u00eb ul\u00ebta, q\u00eb l\u00ebvizin n\u00eb intervalin mes 2% dhe 4%.<\/span><\/p>\n Nj\u00eb grup i tret\u00eb vendesh aplikojn\u00eb taksa mbi primet t\u00eb diferencuara n\u00eb var\u00ebsi t\u00eb llojit t\u00eb sigurimit. P\u00ebr shembull, n\u00eb Franc\u00eb taksa mbi primet aplikohet n\u00eb intervalin mes 7% dhe 30%, nd\u00ebrsa n\u00eb Itali n\u00eb intervalin me 0.05% dhe 21.25%.<\/span><\/p>\n Vitin e kaluar, shoq\u00ebrit\u00eb e sigurimit t\u00eb jo-jet\u00ebs raportuan prime t\u00eb shkruara bruto n\u00eb vler\u00ebn e 21 miliard\u00eb lek\u00ebve. Primet taksohen me nj\u00eb taks\u00eb fikse n\u00eb mas\u00ebn 10%, q\u00eb p\u00ebrkthehet n\u00eb rreth 2.1 miliard\u00eb lek\u00eb, nd\u00ebrsa TVSH-ja 20% e aplikuar mbi t\u00eb nj\u00ebjt\u00ebn vler\u00eb primesh do t\u00eb rezultonte rreth 4.2 miliard\u00eb lek\u00eb. Megjithat\u00eb, efekti neto p\u00ebr buxhetin do t\u00eb ishte m\u00eb i vog\u00ebl, sepse p\u00ebrfshirja n\u00eb skem\u00ebn e TVSH-s\u00eb krijon mund\u00ebsin\u00eb e zbritjes s\u00eb TVSH-s\u00eb n\u00eb blerje.<\/span><\/p>\n N\u00eb strategjin\u00eb afatmesme t\u00eb t\u00eb ardhurave q\u00eb u hodh p\u00ebr diskutim n\u00eb vitin 2022 nj\u00eb propozim tjet\u00ebr ishte edhe vendosja e TVSH-s\u00eb p\u00ebr nj\u00eb pjes\u00eb t\u00eb sh\u00ebrbimeve financiare, kryesisht p\u00ebr tarifat dhe komisionet, duke ruajtur p\u00ebrjashtimin p\u00ebr t\u00eb ardhurat nga interesat. <\/span><\/p>\n Megjithat\u00eb, nj\u00eb mas\u00eb e till\u00eb nuk citohet nga FMN n\u00eb raportin e fundit, \u00e7ka l\u00eb t\u00eb kuptohet se deri tani kjo l\u00ebvizje nuk p\u00ebrfshihet n\u00eb objektivat fiskale afatmesme t\u00eb qeveris\u00eb. \/E.Shehu<\/span><\/p>\n