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Banka e Shqip\u00ebris\u00eb ka botuar n\u00eb Fletoren Zyrtare vendimin \u201cP\u00ebr vendosjen e kufijve t\u00eb sip\u00ebrm p\u00ebr treguesit \u201craporti i kredis\u00eb ndaj vler\u00ebs\u201d dhe \u201craporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave\u201d p\u00ebr kredit\u00eb q\u00eb japin bankat p\u00ebr pasuri t\u00eb paluajtshme rezidenciale\u201d.<\/span><\/p>\n Vendimi do t\u00eb hyj\u00eb n\u00eb fuqi 15 dit\u00eb pas botimit n\u00eb Fletoren Zyrtare, por do t\u00eb fillohet t\u00eb zbatohet nga bankat p\u00ebr kredit\u00eb e reja p\u00ebr pasuri t\u00eb paluajtshme rezidenciale q\u00eb disbursohen nga data 1 korrik 2025.<\/span><\/p>\n 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 Raporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave p\u00ebr kredit\u00eb n\u00eb Lek\u00eb do t\u00eb jet\u00eb n\u00eb nivelin 40% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 35% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb. N\u00eb valut\u00eb t\u00eb huaj, niveli tavan do t\u00eb jet\u00eb 35% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 30% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb.<\/span><\/p>\n P\u00ebr p\u00ebrcaktimin e vler\u00ebs s\u00eb borxhit t\u00eb kredimmarr\u00ebsit, krahas vler\u00ebs s\u00eb kredis\u00eb konkrete (dhe t\u00eb kredive t\u00eb tjera q\u00eb ai mund t\u00eb ket\u00eb n\u00eb sistemin financiar), banka do t\u00eb p\u00ebrfshij\u00eb edhe \u00e7do borxh tjet\u00ebr t\u00eb tij p\u00ebr t\u00eb cilin banka ka siguruar informacion t\u00eb besuesh\u00ebm nga komunikimi me kredimmarr\u00ebsin apo konsultimi paraprak i bazave relevante t\u00eb t\u00eb dh\u00ebnave.<\/span><\/p>\n Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, zbatimi i k\u00ebtyre kufijve do t\u00eb mund\u00ebsoj\u00eb uljen e rrezikut t\u00eb d\u00ebshtimit t\u00eb kredimarr\u00ebsve dhe pak\u00ebsimin e humbjeve bankare t\u00eb lidhura me k\u00ebto kredi, si pasoj\u00eb e zhvillimeve t\u00eb pafavorshme n\u00eb \u00e7mimet e pronave t\u00eb paluajtshme dhe n\u00eb kuadrin makroekonomik t\u00eb vendit, si rritja e papun\u00ebsis\u00eb, r\u00ebnia e t\u00eb ardhurave, rritja e normave t\u00eb interesit, etj.<\/span><\/p>\n Banka e Shqip\u00ebris\u00eb argumenton se k\u00ebta kufij marrin n\u00eb konsiderat\u00eb dhe jan\u00eb p\u00ebrshtatur p\u00ebr t\u00eb adresuar n\u00eb m\u00ebnyr\u00eb proporcionale rrezikun, n\u00eb var\u00ebsi t\u00eb tipit t\u00eb pron\u00ebs dhe monedh\u00ebs n\u00eb t\u00eb cil\u00ebn jepet kredia.<\/span><\/p>\n Megjithat\u00eb, vendimi i lejon bankat q\u00eb t\u00eb zbatojn\u00eb kuota p\u00ebrjashtimi nga kufizimet e m\u00ebsip\u00ebrme, me kushtin q\u00eb, n\u00eb total, vlera e kredive t\u00eb p\u00ebrjashtuara t\u00eb mos kap\u00ebrcej\u00eb 15% t\u00eb v\u00ebllimit t\u00eb kredive t\u00eb reja q\u00eb jan\u00eb miratuar dhe disbursuar (edhe pjes\u00ebrisht) gjat\u00eb tremujorit.<\/span><\/p>\n N\u00eb k\u00ebt\u00eb kuot\u00eb p\u00ebrjashtimi do t\u00eb p\u00ebrfshihen leht\u00ebsit\u00eb e rifinancimit q\u00eb jepen gjat\u00eb tremujorit p\u00ebr kredit\u00eb ekzistuese dhe q\u00eb mund t\u00eb kap\u00ebrcejn\u00eb kufirin e treguesit. Bankat duhet t\u2019i identifikojn\u00eb kredit\u00eb dhe leht\u00ebsit\u00eb e rifinancimit q\u00eb p\u00ebrfshihen n\u00eb kuot\u00ebn e p\u00ebrjashtimit, n\u00eb m\u00ebnyr\u00eb individuale dhe t\u2019i evidentojn\u00eb ato n\u00eb m\u00ebnyr\u00eb t\u00eb dallueshme n\u00eb raportimin tremujor q\u00eb kryejn\u00eb pran\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/span><\/p>\n N\u00eb vendim, Banka e Shqip\u00ebris\u00eb rekomandon gjithashtu p\u00ebr bankat zbatimin e nj\u00eb kufiri maksimal n\u00eb afatin e maturimit n\u00eb disbursim t\u00eb kredis\u00eb, pavar\u00ebsisht monedh\u00ebs, sa minimumi midis afatit 30 vje\u00e7ar dhe numrit t\u00eb viteve deri n\u00eb arritjen e mosh\u00ebs s\u00eb pensionit t\u00eb kredimarr\u00ebsit.<\/span><\/p>\n