{"id":730702,"date":"2025-03-18T18:43:15","date_gmt":"2025-03-18T17:43:15","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=730702"},"modified":"2025-03-18T18:43:33","modified_gmt":"2025-03-18T17:43:33","slug":"interesat-e-depozitave-e-mbyllen-ne-renie-vitin-2024","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/03\/18\/interesat-e-depozitave-e-mbyllen-ne-renie-vitin-2024\/","title":{"rendered":"Interesat e depozitave e mbyll\u00ebn n\u00eb r\u00ebnie vitin 2024","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Normat e interesit t\u00eb depozitave me afat n\u00eb lek\u00eb e mbyll\u00ebn n\u00eb r\u00ebnie vitin e kaluar. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, norma mesatare e interesit p\u00ebr depozitat e reja n\u00eb dhjetor 2024 zbriti n\u00eb 1.62%, nga 1.89% q\u00eb kishte qen\u00eb n\u00eb n\u00ebntor dhe 1.64% q\u00eb kishte qen\u00eb n\u00eb fund t\u00eb vitit 2023. Interesi mesatar i depozitave me afat p\u00ebr dhjetorin ra n\u00eb nivelin m\u00eb t\u00eb ul\u00ebt q\u00eb nga janari i vitit t\u00eb kaluar.\u00a0<\/span><\/p>\n

Interesat e depozitave vitin e kaluar n\u00eb p\u00ebrgjith\u00ebsi kan\u00eb ndjekur l\u00ebvizjet e norm\u00ebs baz\u00eb t\u00eb interesit dhe normat e interesit n\u00eb segmentet e tjera t\u00eb tregut, sidomos t\u00eb yield-eve t\u00eb instrumenteve t\u00eb borxhit t\u00eb qeveris\u00eb. Gjat\u00eb vitit 2024, Banka e Shqip\u00ebris\u00eb e ka ulur dy her\u00eb norm\u00ebn baz\u00eb t\u00eb interesit, nga 3.25% n\u00eb 2.75%.\u00a0<\/span><\/p>\n

K\u00ebto l\u00ebvizje jan\u00eb p\u00ebrcjell\u00eb shpejt n\u00eb normat e interesit t\u00eb tregut t\u00eb brendsh\u00ebm financiar. Yield-et e bonove dhe obligacioneve kan\u00eb r\u00ebn\u00eb p\u00ebr t\u00eb gjitha maturitetet. Madje, n\u00eb ankandin e fundit, bonot 12-mujore t\u00eb thesarit, q\u00eb jan\u00eb edhe instrumenti kryesor benchmark p\u00ebr tregun e brendsh\u00ebm, zbrit\u00ebn posht\u00eb norm\u00ebs baz\u00eb t\u00eb interesit, n\u00eb nivelin 2.73%.\u00a0<\/span><\/p>\n

Ulja e norm\u00ebs baz\u00eb dhe yield-eve \u00ebsht\u00eb reflektuar edhe n\u00eb norma m\u00eb t\u00eb ul\u00ebta t\u00eb interesit t\u00eb kredive. Bankat duket se kan\u00eb reaguar duke ulur leht\u00eb, n\u00eb terma mesatar\u00eb, normat e interesit q\u00eb paguajn\u00eb p\u00ebr depozitat e publikut.\u00a0<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, edhe interesat e depozitave n\u00eb euro vitin e kaluar kan\u00eb ngelur n\u00eb nivele pak a shum\u00eb t\u00eb q\u00ebndrueshme, ndjesh\u00ebm m\u00eb t\u00eb ul\u00ebta krahasuar me depozitat n\u00eb lek\u00eb. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, norma mesatare e interesit t\u00eb depozitave t\u00eb reja n\u00eb euro n\u00eb fund t\u00eb 2024 ishte 1.12%, nd\u00ebrsa nj\u00eb vit m\u00eb par\u00eb kishte qen\u00eb n\u00eb nivelin 0.99%.\u00a0<\/span><\/p>\n

N\u00eb rastin e euros, konkurrenca e produkteve t\u00eb tjera financiare \u00ebsht\u00eb m\u00eb e dob\u00ebt, sepse individ\u00ebt nuk kan\u00eb shum\u00eb alternativa investimi financiar me rrezik t\u00eb ul\u00ebt, si\u00e7 ndodh me lekun. Gjithashtu, nd\u00ebrmjet\u00ebsimi n\u00eb euro p\u00ebr bankat ka kosto m\u00eb t\u00eb lart\u00eb, sepse Banka e Shqip\u00ebris\u00eb aplikon norm\u00eb remunerimi zero p\u00ebr rezervat e detyrueshme n\u00eb valut\u00eb, p\u00ebrve\u00e7se k\u00ebrkon edhe nivele m\u00eb t\u00eb larta t\u00eb k\u00ebtyre rezervave. P\u00ebr k\u00ebto arsye, normat e interesit p\u00ebr depozitat n\u00eb euro ngelen m\u00eb t\u00eb ul\u00ebta krahasuar me ato n\u00eb lek\u00eb.<\/span><\/p>\n

Edhe Banka Qendrore Europiane vitin e kaluar ka nisur uljen e normave t\u00eb interesit, duke ndjekur r\u00ebnien e inflacionit dhe stanjacionin e ekonomis\u00eb s\u00eb Eurozon\u00ebs.\u00a0<\/span><\/p>\n

Norma baz\u00eb e interesit p\u00ebr financimin e bankave ka zbritur tashm\u00eb n\u00eb 2.65%, nga niveli maksimal prej 4.5% q\u00eb kishte arritur n\u00eb vjesht\u00ebn e vitit 2023. Kjo ulje \u00ebsht\u00eb reflektuar shpejt n\u00eb ecurin\u00eb e Euriborit dhe normave t\u00eb tjera t\u00eb interesit n\u00eb tregjet europiane. Euribori 12 mujor ka r\u00ebn\u00eb tashm\u00eb n\u00eb nivelin 2.45%, nga 3.7% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.\u00a0<\/span><\/p>\n

Pavar\u00ebsisht normave t\u00eb ul\u00ebta t\u00eb interesit, depozitat kan\u00eb vijuar rritjen pozitive edhe p\u00ebr vitin 2024. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, totali i depozitave n\u00eb fund t\u00eb dhjetorit arriti vler\u00ebn e 1.68 trilion\u00eb lek\u00ebve, n\u00eb rritje me 5.2% krahasuar me nj\u00eb vit m\u00eb par\u00eb. N\u00eb munges\u00eb t\u00eb zhvler\u00ebsimit t\u00eb m\u00ebtejsh\u00ebm t\u00eb euros n\u00eb kursin e k\u00ebmbimit, rritja do t\u00eb kishte qen\u00eb edhe m\u00eb e lart\u00eb.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Normat e interesit t\u00eb depozitave me afat n\u00eb lek\u00eb e mbyll\u00ebn n\u00eb r\u00ebnie vitin e kaluar. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, norma mesatare e interesit p\u00ebr depozitat e reja n\u00eb dhjetor 2024 zbriti n\u00eb 1.62%, nga 1.89% q\u00eb kishte qen\u00eb n\u00eb n\u00ebntor dhe 1.64% q\u00eb kishte qen\u00eb n\u00eb fund t\u00eb vitit 2023. Interesi mesatar […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":730703,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-730702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fast-foodi"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/730702","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=730702"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/730702\/revisions"}],"predecessor-version":[{"id":730704,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/730702\/revisions\/730704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/730703"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=730702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=730702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=730702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}