{"id":740253,"date":"2025-05-09T09:01:08","date_gmt":"2025-05-09T07:01:08","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=740253"},"modified":"2025-05-09T09:01:08","modified_gmt":"2025-05-09T07:01:08","slug":"rritet-ekspozimi-i-bankave-ne-tregun-e-pronave-46-e-kredise-e-siguruar-me-pasuri-te-paluajtshme","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/05\/09\/rritet-ekspozimi-i-bankave-ne-tregun-e-pronave-46-e-kredise-e-siguruar-me-pasuri-te-paluajtshme\/","title":{"rendered":"Rritet ekspozimi i bankave n\u00eb tregun e pronave, 46% e kredis\u00eb, e siguruar me pasuri t\u00eb paluajtshme","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Mbulimi i kredis\u00eb bankare me kolateral u rrit m\u00eb tej vitin e kaluar. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb fund t\u00eb vitit 2024, 76% e kredis\u00eb ishte e mbuluar me kolateral, nga 75% e saj nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Lloji m\u00eb i p\u00ebrdorur i kolateralit nga bankat vazhdojn\u00eb t\u00eb jen\u00eb pasurit\u00eb e paluajtshme. Pronat mbulojn\u00eb 61% t\u00eb kredis\u00eb s\u00eb kolateralizuar dhe 46% t\u00eb tepric\u00ebs totale t\u00eb kredis\u00eb.<\/span><\/p>\n

Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, stoku i kredis\u00eb s\u00eb kolateralizuar me pasuri t\u00eb paluajtshme \u00ebsht\u00eb zgjeruar me 9% n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, si rezultat i rritjes s\u00eb kredis\u00eb s\u00eb kolateralizuar me pasuri t\u00eb paluajtshme rezidenciale.<\/span><\/p>\n

Shkalla e lart\u00eb e garantimit t\u00eb kredive me kolateral n\u00eb pasuri t\u00eb paluajtshme e b\u00ebn sektorin bankar t\u00eb ekspozuar ndaj zhvillimeve n\u00eb tregun e pronave. Nj\u00eb r\u00ebnie e mundshme e \u00e7mimeve t\u00eb pronave do t\u00eb krijonte rreziqe t\u00eb shtuara p\u00ebr sh\u00ebndetin e sektorit bankar n\u00eb vend.<\/span><\/p>\n

P\u00ebr k\u00ebt\u00eb q\u00ebllim, Banka e Shqip\u00ebris\u00eb po mbledh t\u00eb dh\u00ebna m\u00eb t\u00eb detajuara q\u00eb prej vitit t\u00eb kaluar, mb\u00ebshtetur n\u00eb rregulloren \u201cP\u00ebr raportimin e t\u00eb dh\u00ebnave, identifikimin dhe monitorimin e treguesve mbi huadh\u00ebnien dhe investimet p\u00ebr pasuri t\u00eb paluajtshme\u201d. Ajo ka si q\u00ebllim t\u00eb p\u00ebrmir\u00ebsoj\u00eb t\u00eb dh\u00ebnat q\u00eb do t\u00eb mblidhen nga bankat p\u00ebr ekspozimin e tyre n\u00eb tregun e pasurive t\u00eb paluajtshme.<\/span><\/p>\n

Dy dit\u00eb m\u00eb par\u00eb, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb vendosi disa masa kufizuese p\u00ebr kredin\u00eb bankare p\u00ebr sht\u00ebpi. Sipas vendimit, raporti tavan i kredis\u00eb ndaj vler\u00ebs n\u00eb monedh\u00ebn Lek\u00eb do t\u00eb jet\u00eb 85% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 80% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb, nd\u00ebrsa n\u00eb valut\u00eb t\u00eb huaj 75% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 70% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, p\u00ebr shkak t\u00eb rritjes s\u00eb shpejt\u00eb t\u00eb kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme, Banka e Shqip\u00ebris\u00eb aplikoi p\u00ebr her\u00eb t\u00eb par\u00eb vitin e kaluar nj\u00eb shtes\u00eb t\u00eb posa\u00e7me n\u00eb k\u00ebrkesat p\u00ebr kapital ndaj sektorit bankar. Shtesa kund\u00ebrciklike e kapitalit u vendos p\u00ebr her\u00eb t\u00eb par\u00eb n\u00eb qershor, n\u00eb nivelin 0.25% (p\u00ebr t\u2019u zbatuar nga 30 qershor 2025) dhe u rrit n\u00eb dhjetor n\u00eb nivelin 0.5% (p\u00ebr t\u2019u zbatuar nga 31 dhjetori 2025).<\/span><\/p>\n

Aplikimi i nj\u00eb shtese kund\u00ebrciklike t\u00eb kapitalit \u00ebsht\u00eb i parashikuar n\u00eb rregulloren e vitit 2018 \u201cP\u00ebr shtesat makroprudenciale t\u00eb kapitalit\u201d. Nj\u00eb shtes\u00eb e till\u00eb ka si q\u00ebllim ngadal\u00ebsimin e kreditimit, n\u00eb rast se banka qendrore vler\u00ebson se po ndodh nj\u00eb rritje me ritme tep\u00ebr t\u00eb shpejta.<\/span><\/p>\n

N\u00eb analiz\u00ebn e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, prej disa tremujor\u00ebsh, ekonomia shqiptare po p\u00ebrjeton nj\u00eb cik\u00ebl financiar pozitiv t\u00eb mb\u00ebshtetur mbi rritjen e p\u00ebrshpejtuar t\u00eb kredis\u00eb bankare dhe periudha t\u00eb tilla shoq\u00ebrohen me nivele t\u00eb mira t\u00eb performanc\u00ebs financiare p\u00ebr agjentet e ekonomis\u00eb reale dhe p\u00ebr sistemin financiar.<\/span><\/p>\n

Megjithat\u00eb, sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, k\u00ebto periudha shoq\u00ebrohen edhe me fillimin e rreziqeve t\u00eb caktuara, q\u00eb mund t\u00eb lidhen me r\u00ebnie t\u00eb standardeve t\u00eb kreditimit, rritjen e niveleve t\u00eb p\u00ebrqendrimit t\u00eb saj n\u00eb sektor\u00eb apo tregje t\u00eb caktuar, rritjen e niveleve t\u00eb borxhit p\u00ebr agjent\u00ebt e ekonomis\u00eb reale p\u00ebrtej niveleve t\u00eb sh\u00ebndetshme. K\u00ebto situata, n\u00ebse lejohet t\u00eb zhvillohen mund ta b\u00ebjn\u00eb ekonomin\u00eb dhe sistemin financiar m\u00eb t\u00eb ndjesh\u00ebm ndaj goditjeve t\u00eb ndryshme, duke c\u00ebnuar k\u00ebshtu stabilitetin financiar. P\u00ebr k\u00ebto arsye, n\u00eb k\u00ebto raste sugjerohet p\u00ebrdorimi i instrumenteve makroprudenciale q\u00eb veprojn\u00eb n\u00eb m\u00ebnyr\u00eb kund\u00ebrciklike dhe parandalojn\u00eb zhvillimin e pakontrolluar t\u00eb k\u00ebtyre rreziqeve.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Mbulimi i kredis\u00eb bankare me kolateral u rrit m\u00eb tej vitin e kaluar. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb fund t\u00eb vitit 2024, 76% e kredis\u00eb ishte e mbuluar me kolateral, nga 75% e saj nj\u00eb vit m\u00eb par\u00eb. Lloji m\u00eb i p\u00ebrdorur i kolateralit nga bankat vazhdojn\u00eb t\u00eb jen\u00eb pasurit\u00eb e […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":740254,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-740253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/740253","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=740253"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/740253\/revisions"}],"predecessor-version":[{"id":740255,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/740253\/revisions\/740255"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/740254"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=740253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=740253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=740253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}