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Rritja e kredis\u00eb p\u00ebr individ\u00eb \u00ebsht\u00eb p\u00ebrshpejtuar m\u00eb tej n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, rritja vjetore e kredis\u00eb p\u00ebr individ\u00eb nga bankat ka arritur n\u00eb 17.4%, ose 1.1 pik\u00eb p\u00ebrqindje m\u00eb shum\u00eb se n\u00eb fund t\u00eb vitit 2024. Rritja ka qen\u00eb e luhatshme n\u00eb tremujorin e par\u00eb dhe m\u00eb e fort\u00eb n\u00eb at\u00eb t\u00eb dytin.<\/span><\/p>\n N\u00eb total, kredia p\u00ebr sektorin privat ka vijuar t\u00eb rritet me norma t\u00eb larta n\u00eb terma vjetor\u00eb, prej mesatarisht 16% gjat\u00eb gjasht\u00eb muajve t\u00eb par\u00eb t\u00eb 2025, norm\u00eb kjo e ngjashme me at\u00eb t\u00eb gjasht\u00ebmujorit paraardh\u00ebs.<\/span><\/p>\n Kredia p\u00ebr biznese vijon t\u00eb jap\u00eb kontributin kryesor n\u00eb zgjerimin vjetor t\u00eb kredis\u00eb p\u00ebr sektorin privat me rreth 9 pik\u00eb p\u00ebrqindje, por ky kontribut ka ardhur duke u ngadal\u00ebsuar krahasuar me gjasht\u00eb muaj m\u00eb par\u00eb. Paralelisht, \u00ebsht\u00eb rritur kontributi i kredis\u00eb p\u00ebr individ\u00eb, n\u00eb 7 pik\u00eb p\u00ebrqindje, duke sh\u00ebnuar nj\u00eb nd\u00ebr nivelet maksimale historike.<\/span><\/p>\n N\u00eb analiz\u00ebn e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, zgjerimi i kreditimit p\u00ebr individ\u00ebt \u00ebsht\u00eb mb\u00ebshtetur nga k\u00ebrkesa e lart\u00eb e individ\u00ebve si p\u00ebr financimin e konsumit ashtu edhe p\u00ebr blerjen e banesave, n\u00eb kuad\u00ebr t\u00eb kushteve financiare t\u00eb favorshme, rritjes s\u00eb t\u00eb ardhurave t\u00eb disponueshme dhe p\u00ebrmir\u00ebsimeve n\u00eb tregun e pun\u00ebs. N\u00eb ve\u00e7anti, oferta e lart\u00eb nga bankat \u00ebsht\u00eb nxitur nga konkurrenca e shtuar mes tyre, si dhe nga p\u00ebrmir\u00ebsimet e infrastruktur\u00ebs digjitale dhe asaj teknologjike.<\/span><\/p>\n Kredia p\u00ebr sht\u00ebpi ka vazhduar t\u00eb rritet me ritme t\u00eb shpejta. Zgjerimi vjetor i k\u00ebtij portofoli, prej 18%, ka ardhur duke u forcuar p\u00ebrgjat\u00eb tremujorit t\u00eb dyt\u00eb, duke shfaqur edhe nj\u00eb efekt paraprij\u00ebs t\u00eb shtr\u00ebngimit t\u00eb kushteve makroprudenciale n\u00eb muajin korrik.<\/span><\/p>\n Banka e Shqip\u00ebris\u00eb n\u00eb fillim t\u00eb muajit maj lan\u00e7oi disa masa shtr\u00ebnguese p\u00ebr kredin\u00eb hipotekare, t\u00eb cilat synojn\u00eb q\u00eb t\u00eb kufizojn\u00eb ekspozimin e sektorit bankar n\u00eb tregun e pasurive t\u00eb paluajtshme. Masat kan\u00eb hyr\u00eb n\u00eb fuqi n\u00eb fillim t\u00eb tremujorit t\u00eb tret\u00eb t\u00eb vitit, q\u00eb prej dat\u00ebs 1 korrik.<\/span><\/p>\n Por, nd\u00ebrkoh\u00eb, nj\u00eb rritje t\u00eb ngjashme po shfaq edhe portofoli i kredis\u00eb konsumator\u00eb. Kjo e fundit e ka zgjeruar normat e rritjes me 18%, rreth 3 pik\u00eb p\u00ebrqindje m\u00eb e lart\u00eb se e nj\u00ebjta periudh\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, normat e larta t\u00eb kredis\u00eb konsumator\u00eb reflektojn\u00eb edhe p\u00ebrmir\u00ebsimet e karakteristikave t\u00eb k\u00ebtij produktit nga bankat, si\u00e7 \u00ebsht\u00eb zgjatja e maturitetit dhe shtimi i madh\u00ebsis\u00eb s\u00eb kredis\u00eb s\u00eb akorduar n\u00eb k\u00ebt\u00eb segment.<\/span><\/p>\n Zgjerimi i kredis\u00eb p\u00ebr individ\u00eb n\u00eb gjasht\u00ebmujorin e par\u00eb ka ardhur kryesisht n\u00eb monedh\u00ebn Lek. K\u00ebshtu, kreditimi n\u00eb monedh\u00ebn vendase \u00ebsht\u00eb rritur me rreth 21%, duke kontribuuar n\u00eb m\u00eb shum\u00eb se 80% t\u00eb rritjes s\u00eb kredis\u00eb p\u00ebr individ\u00eb.<\/span><\/p>\n Megjithat\u00eb, edhe zgjerimi i kredis\u00eb n\u00eb valut\u00eb, prej 6.5%, ishte m\u00eb i lart\u00eb se sa stanjacioni q\u00eb shfaqi n\u00eb vitin 2024. Ky p\u00ebrmir\u00ebsim ka reflektuar rritjen e k\u00ebrkesave p\u00ebr financim n\u00eb monedh\u00eb t\u00eb huaj, n\u00eb kushtet e r\u00ebnies s\u00eb normave t\u00eb interesit t\u00eb kredis\u00eb n\u00eb Euro.<\/span><\/p>\n Pavar\u00ebsisht ecuris\u00eb pozitive t\u00eb kredis\u00eb n\u00eb valut\u00eb, pesha e k\u00ebsaj kredie ndaj totalit t\u00eb individ\u00ebve \u00ebsht\u00eb zvog\u00ebluar n\u00eb 24%, ose rreth 2 pik\u00eb p\u00ebrqindje m\u00eb pak se e nj\u00ebjta periudh\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Normat e interesit p\u00ebr kredit\u00eb n\u00eb Lek t\u00eb individ\u00ebve n\u00eb gjysm\u00ebn e par\u00eb t\u00eb vitit jan\u00eb shfaqur t\u00eb luhatshme, por nuk kan\u00eb ndryshuar shum\u00eb nga vlerat e fundit t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n