{"id":752111,"date":"2025-07-21T08:11:50","date_gmt":"2025-07-21T06:11:50","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=752111"},"modified":"2025-07-21T08:11:50","modified_gmt":"2025-07-21T06:11:50","slug":"interesat-e-kredise-konsumatore-zbriten-ne-62-2-ne-gjysmen-e-pare-te-vitit","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/07\/21\/interesat-e-kredise-konsumatore-zbriten-ne-62-2-ne-gjysmen-e-pare-te-vitit\/","title":{"rendered":"Interesat e kredis\u00eb konsumatore zbrit\u00ebn n\u00eb 62.2% n\u00eb gjysm\u00ebn e par\u00eb t\u00eb vitit","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Normat mesatare t\u00eb interesit p\u00ebr kredit\u00eb konsumatore p\u00ebsuan r\u00ebnie t\u00eb m\u00ebtejshme n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, norma mesatare efektive e interesit p\u00ebr kredit\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb zbriti n\u00eb 62.2%, nga 70.91% q\u00eb kishte qen\u00eb n\u00eb 6-mujorin e m\u00ebparsh\u00ebm dhe 71.39% q\u00eb kishte qen\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

P\u00ebr paradh\u00ebniet bankare (overdraftet) deri n\u00eb 200 mij\u00eb lek\u00eb norma efektive mesatare sh\u00ebnoi r\u00ebnie n\u00eb 13.72%, nga 13.9% q\u00eb ishte n\u00eb 6-mujorin e kaluar dhe nga 14.04% q\u00eb kishte qen\u00eb n\u00eb gjysm\u00ebn e par\u00eb t\u00eb v<\/span><\/p>\n

Edhe p\u00ebr kartat e kreditit deri n\u00eb 200 mij\u00eb lek\u00eb, interesi mesatar zbriti n\u00eb 20.29%, nga 20.47% q\u00eb ishte n\u00eb 6-mujorin e m\u00ebparsh\u00ebm.<\/span><\/p>\n

P\u00ebr kredit\u00eb me k\u00ebste me vler\u00eb nga 200 mij\u00eb deri n\u00eb 600 mij\u00eb lek\u00eb, norma mesatare efektive e interesit ra n\u00eb 26.41%, nga 27.42% q\u00eb kishte qen\u00eb n\u00eb 6-mujorin e m\u00ebparsh\u00ebm.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, p\u00ebr kredit\u00eb m\u00eb t\u00eb m\u00ebdha, me shuma nga 600 mij\u00eb deri n\u00eb 2 milion\u00eb lek\u00eb norma mesatare e interesit u rrit n\u00eb 11.2%, nga 11% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e m\u00ebparsh\u00ebm.<\/span><\/p>\n

Normat e m\u00ebsip\u00ebrme t\u00eb interesit jan\u00eb llogaritur mbi t\u00eb gjitha kredit\u00eb konsumatore t\u00eb dh\u00ebna nga bankat dhe institucionet financiare jobanka, bazuara n\u00eb t\u00eb dh\u00ebnat faktike q\u00eb pasqyrohen n\u00eb Regjistrin e Kredive t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Norma mesatare efektive e interesit nuk n\u00ebnkupton vet\u00ebm norm\u00ebn nominale t\u00eb interesit t\u00eb kredis\u00eb, por t\u00eb gjitha kostot q\u00eb i ngarkohen klientit p\u00ebr kredin\u00eb, duke p\u00ebrfshir\u00eb edhe komisionet apo tarifat e tjera.<\/span><\/p>\n

Llogaritja e norm\u00ebs mesatare efektive t\u00eb interesit sh\u00ebrben si baz\u00eb p\u00ebr t\u00eb llogaritur m\u00eb tej norm\u00ebn maksimale efektive t\u00eb interesit p\u00ebr kredit\u00eb konsumatore (NEI maksimal)<\/span><\/p>\n

R\u00ebnia e norm\u00ebs efektive mesatare t\u00eb interesit p\u00ebrputhet n\u00eb p\u00ebrgjith\u00ebsi me nj\u00eb tendenc\u00eb n\u00eb r\u00ebnie t\u00eb interesave n\u00eb tregun financiar, e p\u00ebrcaktuar nga l\u00ebvizjet e politik\u00ebs monetare t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, nga gjendja e lart\u00eb e likuiditetit n\u00eb treg, por edhe nga nj\u00eb konkurrenc\u00eb t\u00eb lart\u00eb n\u00eb tregun e kredis\u00eb konsumatore.<\/span><\/p>\n

Kredia konsumatore u rrit me ritme t\u00eb larta edhe n\u00eb pjes\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, p\u00ebr 5-mujorin 2025 sektori bankar disbursoi 23.2 miliard\u00eb lek\u00eb kredi t\u00eb reja konsumatore. Vlera e kredis\u00eb konsumatore u rrit me 23% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb dhe ka prekur nj\u00ebkoh\u00ebsisht vler\u00ebn m\u00eb t\u00eb larta historike p\u00ebr 5-mujorin.<\/span><\/p>\n

Huadh\u00ebnia konsumatore \u00ebsht\u00eb gjithnj\u00eb e m\u00eb e p\u00ebrqendruar n\u00eb monedh\u00ebn vendase. 89% e kredis\u00eb s\u00eb re konsumatore t\u00eb dh\u00ebn\u00eb gjat\u00eb k\u00ebtij viti ka qen\u00eb n\u00eb Lek\u00eb.<\/span><\/p>\n

N\u00eb fund t\u00eb majit 2025, portofoli i kredis\u00eb konsumatore arriti vler\u00ebn e 96.6 miliard\u00eb lek\u00ebve, n\u00eb rritje me 19.4% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. \/ E.Shehu<\/span><\/p>\n

VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Normat mesatare t\u00eb interesit p\u00ebr kredit\u00eb konsumatore p\u00ebsuan r\u00ebnie t\u00eb m\u00ebtejshme n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, norma mesatare efektive e interesit p\u00ebr kredit\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb zbriti n\u00eb 62.2%, nga 70.91% q\u00eb kishte qen\u00eb n\u00eb 6-mujorin e m\u00ebparsh\u00ebm dhe 71.39% q\u00eb kishte qen\u00eb n\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":752115,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-752111","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\/752111","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\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=752111"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/752111\/revisions"}],"predecessor-version":[{"id":752116,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/752111\/revisions\/752116"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/752115"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=752111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=752111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=752111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}