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Normat e interesit t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi p\u00ebsuan r\u00ebnie vitin e kaluar, duke mb\u00ebshtetur zgjerimin e kreditimit n\u00eb k\u00ebt\u00eb segment.<\/span><\/p>\n Sipas statistikave nga Banka e Shqip\u00ebris\u00eb, norma mesatare e interesit t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr blerje banesash nga individ\u00ebt n\u00eb monedh\u00ebn lek\u00eb n\u00eb dhjetor t\u00eb vitit t\u00eb kaluar ishte 4.52%, nga 4.85% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Gjithashtu, norma mesatare e interesit t\u00eb kredive p\u00ebr sht\u00ebpi n\u00eb dy muajt e fundit t\u00eb 2024 ishte m\u00eb e ul\u00ebta n\u00eb dy vitet e fundit.<\/span><\/p>\n Vitin e kaluar, inflacioni p\u00ebsoi nj\u00eb r\u00ebnie t\u00eb ndjeshme, duke sjell\u00eb nj\u00eb ndryshim t\u00eb kursit t\u00eb politik\u00ebs monetare dhe uljen e norm\u00ebs baz\u00eb t\u00eb interesit dy her\u00eb gjat\u00eb vitit, deri n\u00eb nivelin 2.75%. Ulja e norm\u00ebs baz\u00eb, por edhe gjendja e lart\u00eb e likuiditetit n\u00eb treg u p\u00ebrcoll\u00ebn edhe n\u00eb yield-et e titujve t\u00eb qeveris\u00eb shqiptare dhe m\u00eb tej n\u00eb normat e interesit t\u00eb kredis\u00eb p\u00ebr sektorin privat.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, vitin e kaluar sektori bankar disbursoi 379.8 miliard\u00eb lek\u00eb kredi t\u00eb reja, n\u00eb rritje me 19% krahasuar me vitin 2023.<\/span><\/p>\n Sipas monedh\u00ebs, rritja e kredis\u00eb edhe vitin e kaluar u mb\u00ebshtetet sidomos nga financimet n\u00eb monedh\u00ebn vendase. Portofoli i kredis\u00eb n\u00eb lek\u00eb vitin e kaluar u rrit me 14.3% dhe p\u00ebrb\u00ebnte 56.2% t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb, nga 55.2% q\u00eb zinte nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Shifrat e rritjes jan\u00eb edhe m\u00eb t\u00eb larta n\u00eb segmentin specifik t\u00eb kredis\u00eb p\u00ebr sht\u00ebpi. Kredia e re p\u00ebr blerje banesash arriti rekordin e ri historik prej 54.9 miliard\u00eb lek\u00ebsh ose rreth 545 milion\u00eb eurosh, t\u00eb llogaritura me kursin mesatar t\u00eb vitit t\u00eb kaluar. Kredia e re p\u00ebr banesa u rrit me 13% krahasuar me vitin 2023.<\/span><\/p>\n Vlera e portofolit aktiv ose tepric\u00ebs s\u00eb kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb fund t\u00eb vitit 2024 arriti n\u00eb pothuajse 208.7 miliard\u00eb lek\u00eb, me nj\u00eb rritje vjetore prej 15.5%. Ritmet e rritjes t\u00eb portofolit t\u00eb kredis\u00eb jan\u00eb rritur ndjesh\u00ebm krahasuar me nivelin prej 6.3% t\u00eb vitit t\u00eb m\u00ebparsh\u00ebm.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, norma mesatare e interesit t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr blerje banesash n\u00eb euro p\u00ebr dhjetorin 2024 ishte 5.26%, pa ndryshime t\u00eb m\u00ebdha nga niveli prej 5.23% i dhjetorit 2023.<\/span><\/p>\n Vitin e kaluar, edhe Banka Banka Qendrore Europiane nisi uljen e normave t\u00eb interesit, duke ndikuar treguesit referues t\u00eb tregjeve (Euriborin) dhe duke u reflektuar edhe n\u00eb frenimin e rritjes s\u00eb normave t\u00eb interesit t\u00eb kredive.<\/span><\/p>\n Diferenca mes norm\u00ebs mesatare t\u00eb interesit p\u00ebr kredit\u00eb n\u00eb Euro dhe ato n\u00eb Lek\u00eb n\u00eb fund t\u00eb vitit 2024 arriti n\u00eb 0.74 pik\u00eb p\u00ebrqindje, duke u thelluar krahasuar me nivelin prej 0.19 pik\u00eb p\u00ebrqindje t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n Historikisht, normat e interesit p\u00ebr kredit\u00eb n\u00eb Euro kan\u00eb qen\u00eb m\u00eb t\u00eb ul\u00ebta se ato n\u00eb lek\u00eb, duke reflektuar sidomos normat m\u00eb t\u00eb ul\u00ebta q\u00eb ka aplikuar Banka Qendrore Europiane. Por, pas vitit 2023 raportet ndryshuan, pasi Banka Qendrore Europiane nd\u00ebrmori nj\u00eb rritje agresive t\u00eb normave t\u00eb interesit deri n\u00eb nivelin maksimal historik prej 4.5%.\/ E.Shehu<\/span><\/p>\n