{"id":753703,"date":"2025-07-31T08:15:30","date_gmt":"2025-07-31T06:15:30","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=753703"},"modified":"2025-07-31T08:15:30","modified_gmt":"2025-07-31T06:15:30","slug":"kredia-per-shtepi-prek-majat-para-hyrjes-ne-fuqi-te-masave-kufizuese","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/07\/31\/kredia-per-shtepi-prek-majat-para-hyrjes-ne-fuqi-te-masave-kufizuese\/","title":{"rendered":"Kredia p\u00ebr sht\u00ebpi \u201cprek majat\u201d, para hyrjes n\u00eb fuqi t\u00eb masave kufizuese","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Kredia p\u00ebr sht\u00ebpi e dh\u00ebn\u00eb nga sektori bankar shqiptar ka arritur rekorde t\u00eb reja n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb gjasht\u00eb muaj sektori bankar dha 36.2 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr sht\u00ebpi, n\u00eb rritje me 31.6% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Rritja e kredis\u00eb p\u00ebr sht\u00ebpi \u00ebsht\u00eb mb\u00ebshtetur nxitur nga oferta e lart\u00eb p\u00ebr financim nga sektori bankar, rikthimi i nj\u00eb cikli r\u00ebn\u00ebs t\u00eb normave t\u00eb interesit, por edhe nga \u00e7mimet e larta t\u00eb pasurive t\u00eb paluajtshme.<\/span><\/p>\n

Vet\u00ebm gjat\u00eb muajit qershor, sektori bankar disbursoi nj\u00eb vler\u00eb rekord prej 7.4 miliard\u00eb lek\u00ebsh kredi t\u00eb reja p\u00ebr blerje banesash, vler\u00eb kjo 60% m\u00eb e lart\u00eb krahasuar me qershorin e vitit t\u00eb kaluar.<\/span><\/p>\n

Qershori ishte muaji i fundit para hyrjes n\u00eb fuqi t\u00eb masave kufizuese t\u00eb vendosura nga Banka e Shqip\u00ebris\u00eb. P\u00ebr k\u00ebt\u00eb arsye, shifrat e larta t\u00eb qershorit mund t\u00eb shpjegohen edhe me p\u00ebrpjekjet p\u00ebr t\u00eb mbyllur sa m\u00eb shum\u00eb kredi n\u00eb proces, para hyrjes n\u00eb fuqi t\u00eb kufizimeve.<\/span><\/p>\n

Duke filluar nga 1 korriku, bankat do t\u00eb jen\u00eb t\u00eb detyruara t\u00eb respektojn\u00eb disa kritere t\u00eb administrimit t\u00eb rrezikut, konkretisht p\u00ebr treguesit \u201cRaporti i kredis\u00eb ndaj vler\u00ebs\u201d (p\u00ebrqindja e \u00e7mimit t\u00eb blerjes s\u00eb banes\u00ebs q\u00eb banka merr p\u00ebrsip\u00ebr t\u00eb financoj\u00eb n\u00ebp\u00ebrmjet kredis\u00eb) dhe \u201cRaporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave\u201d (raportin mes k\u00ebstit ose k\u00ebsteve t\u00eb kredis\u00eb p\u00ebr prona ndaj t\u00eb ardhurave t\u00eb huamarr\u00ebsve).<\/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

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 huamarr\u00ebsve dhe pak\u00ebsimin e humbjeve bankare t\u00eb lidhura me k\u00ebto kredi, si pasoj\u00eb e zhvillimeve eventuale t\u00eb pafavorshme n\u00eb \u00e7mimet e pronave t\u00eb paluajtshme ose n\u00eb kuadrin makroekonomik t\u00eb vendit.<\/span><\/p>\n

N\u00eb fakt, kritere t\u00eb ngjashme jan\u00eb aplikuar gjithmon\u00eb nga bankat n\u00eb politikat e tyre t\u00eb brendshme, por megjithat\u00eb n\u00eb vitet e fundit \u00ebsht\u00eb v\u00ebrejtur nj\u00eb rritje e rasteve kur bankat kan\u00eb ofruar kredi n\u00eb tejkalim t\u00eb kufijve t\u00eb m\u00ebsip\u00ebrm. Ekspert\u00ebt mendojn\u00eb se kufizimet e vendosura nga Banka e Shqip\u00ebris\u00eb do t\u00eb ndikojn\u00eb sidomos blerjet e sht\u00ebpive t\u00eb dyta me kredi ose n\u00eb p\u00ebrgjith\u00ebsi blerjet e pronave p\u00ebr q\u00ebllime investimi.<\/span><\/p>\n

Sipas statistikave t\u00eb bank\u00ebs qendrore, tashm\u00eb portofoli aktiv i kredis\u00eb p\u00ebr blerjen e banesave ka arritur vler\u00ebn e 230.1 miliard lek\u00ebve, n\u00eb rritje vjetore me 17.4%. Ky portofol p\u00ebrb\u00ebn tashm\u00eb 27% t\u00eb kredis\u00eb totale p\u00ebr ekonomin\u00eb shqiptare.<\/span><\/p>\n

Kredia e dh\u00ebn\u00eb nga sektori bankar vazhdon t\u00eb jet\u00eb nj\u00eb mb\u00ebshtetje thelb\u00ebsore p\u00ebr k\u00ebrkes\u00ebn n\u00eb tregun e pasurive t\u00eb paluajtshme. Sipas rezultateve t\u00eb vrojtimit p\u00ebr tregun e pasurive t\u00eb paluajtshme, t\u00eb kryer nga Banka e Shqip\u00ebris\u00eb, p\u00ebr 6-mujorin e dyt\u00eb 2024 gjysma e pronave p\u00ebr banim dhe e atyre p\u00ebr p\u00ebrdorim tregtar t\u00eb shitura prej tyre jan\u00eb bler\u00eb me hua bankare. Nga k\u00ebto, n\u00eb 72% t\u00eb rasteve, kredia ka mbuluar deri n\u00eb 60% t\u00eb vler\u00ebs.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kredia p\u00ebr sht\u00ebpi e dh\u00ebn\u00eb nga sektori bankar shqiptar ka arritur rekorde t\u00eb reja n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb gjasht\u00eb muaj sektori bankar dha 36.2 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr sht\u00ebpi, n\u00eb rritje me 31.6% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":753704,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-753703","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\/753703","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=753703"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/753703\/revisions"}],"predecessor-version":[{"id":753705,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/753703\/revisions\/753705"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/753704"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=753703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=753703"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=753703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}