{"id":756259,"date":"2025-08-20T11:48:51","date_gmt":"2025-08-20T09:48:51","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=756259"},"modified":"2025-08-20T11:48:51","modified_gmt":"2025-08-20T09:48:51","slug":"91-e-tregut-te-sigurimit-te-prones-eshte-e-perqendruar-ne-tirane","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/08\/20\/91-e-tregut-te-sigurimit-te-prones-eshte-e-perqendruar-ne-tirane\/","title":{"rendered":"91% e tregut t\u00eb sigurimit t\u00eb pron\u00ebs \u00ebsht\u00eb e p\u00ebrqendruar n\u00eb Tiran\u00eb","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Pothuajse 91% e primeve t\u00eb sigurimit nga katastrofat natyrore jan\u00eb t\u00eb p\u00ebrqendruara n\u00eb qarkun e Tiran\u00ebs.<\/span><\/p>\n

T\u00eb dh\u00ebnat nga raporti i Gjeografis\u00eb s\u00eb Sigurimeve, nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF), tregojn\u00eb se sigurimi i pronave vazhdon t\u00eb ket\u00eb nj\u00eb shkall\u00eb shum\u00eb t\u00eb lart\u00eb p\u00ebrqendrimi n\u00eb kryeqytet, nd\u00ebrsa pjesa tjet\u00ebr e vendit ka nj\u00eb mbulim t\u00eb pap\u00ebrfillsh\u00ebm kundrejt fatkeq\u00ebsive natyrore, zjarrit apo d\u00ebmtimeve t\u00eb tjera n\u00eb pron\u00eb.<\/span><\/p>\n

Vitin e kaluar, primet e sigurimit nga zjarri, forcat e natyr\u00ebs dhe d\u00ebmeve t\u00eb tjera n\u00eb pron\u00eb arrit\u00ebn vler\u00ebn e 2.61 miliard\u00eb lek\u00ebve ose rreth 26.5 milion\u00eb eurove.<\/span><\/p>\n

Kjo shum\u00eb p\u00ebrkthehet n\u00eb vet\u00ebm 11 euro prime sigurimi n\u00eb vit p\u00ebr frym\u00eb ose rreth 35 euro p\u00ebr familje.<\/span><\/p>\n

Ve\u00e7 diferencave n\u00eb zhvillimin ekonomik mes Tiran\u00ebs dhe pjes\u00ebs tjet\u00ebr t\u00eb vendit, p\u00ebrqendrimi i k\u00ebtij produkti n\u00eb kryeqytet lidhet shum\u00eb edhe me tregun e pasurive t\u00eb paluajtshme dhe me ecurin\u00eb e kredis\u00eb bankare.<\/span><\/p>\n

Nd\u00ebrgjegj\u00ebsimi p\u00ebr sigurimin vullnetar t\u00eb pron\u00ebs nga fatkeq\u00ebsit\u00eb natyrore \u00ebsht\u00eb shum\u00eb i ul\u00ebt dhe ky produkt dominohet nga sigurimi, faktikisht i detyruesh\u00ebm nga ana e bankave, p\u00ebr pronat q\u00eb jan\u00eb l\u00ebn\u00eb si kolateral p\u00ebr kredit\u00eb bankare.<\/span><\/p>\n

Duke qen\u00eb se nj\u00eb pjes\u00eb e konsiderueshme e blerjeve t\u00eb pasurive t\u00eb paluajtshme financohen me kredi dhe duke qen\u00eb se tregu i pronave dominohet nga Tirana, edhe primet e sigurimit nga katastrofat jan\u00eb tejet t\u00eb p\u00ebrqendruara n\u00eb Tiran\u00eb.<\/span><\/p>\n

Nj\u00eb arsye q\u00eb e rrit edhe m\u00eb shum\u00eb p\u00ebrqendrimin e primeve n\u00eb Tiran\u00eb \u00ebsht\u00eb vlera e pronave t\u00eb siguruara. Duke qen\u00eb se n\u00eb Tiran\u00eb vlera e pron\u00ebs apo e p\u00ebrgjegj\u00ebsis\u00eb s\u00eb siguruar \u00ebsht\u00eb m\u00eb e lart\u00eb, at\u00ebher\u00eb edhe primet e sigurimit jan\u00eb n\u00eb vlera m\u00eb t\u00eb m\u00ebdha.<\/span><\/p>\n

I matur si num\u00ebr kontratash, p\u00ebrqendrimi i k\u00ebtij produkti n\u00eb Tiran\u00eb \u00ebsht\u00eb disi m\u00eb i ul\u00ebt, me rreth 80% t\u00eb totalit t\u00eb kontratave t\u00eb sigurimit.<\/span><\/p>\n

Vitin e kaluar, n\u00eb Shqip\u00ebri u shit\u00ebn rreth 58 mij\u00eb polica p\u00ebr sigurimin e pron\u00ebs nga katastrofat, nga t\u00eb cilat m\u00eb shum\u00eb se 46 mij\u00eb i takonin Qarkut t\u00eb Tiran\u00ebs.<\/span><\/p>\n

N\u00ebse t\u00eb gjitha policat e sigurimit t\u00eb pron\u00ebs do t\u2019i llogarisnim a priori si sigurime banesash, do t\u00eb rezultonte se n\u00eb Shqip\u00ebri, n\u00eb rastin m\u00eb t\u00eb mir\u00eb, jan\u00eb t\u00eb siguruara jo m\u00eb shum\u00eb se 5.4% e numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb banesave (duke iu referuar Censit 2023).<\/span><\/p>\n

N\u00eb muajin korrik, qeveria shqiptare riktheu p\u00ebr konsultim publik projektligjin p\u00ebr sigurimin e detyruesh\u00ebm t\u00eb banesave nga t\u00ebrmetet. Ai p\u00ebrcakton detyrimin p\u00ebr sigurimin e t\u00eb gjitha banesave n\u00eb vend, me pak p\u00ebrjashtime (psh. sht\u00ebpit\u00eb e nd\u00ebrtuara prej argjile, qerpi\u00e7i, kallami apo nd\u00ebrtesat me vendndodhje t\u00eb l\u00ebvizshme apo t\u00eb p\u00ebrkohshme).<\/span><\/p>\n

Skema e sigurimit do t\u00eb administrohet nga nj\u00eb ent i posa\u00e7\u00ebm me kapital shtet\u00ebror q\u00eb do t\u00eb ngrihet p\u00ebr k\u00ebt\u00eb q\u00ebllim, Fondi Komb\u00ebtar p\u00ebr Sigurimin e Detyruesh\u00ebm nga T\u00ebrmetet.<\/span><\/p>\n

Shuma e sigurimit do t\u00eb p\u00ebrcaktohet me vendim t\u00eb K\u00ebshillit t\u00eb Ministrave, nd\u00ebrsa primi i sigurimit q\u00eb do t\u00eb paguajn\u00eb pronar\u00ebt e banesave do t\u00eb p\u00ebrcaktohet nga Fondi p\u00ebr t\u00ebrmetet, pas marrjes s\u00eb p\u00eblqimit nga ministri p\u00ebrgjegj\u00ebs p\u00ebr Financat. P\u00ebr shtresat nevoj\u00eb, primi i sigurimit do t\u00eb financohet nga buxheti i shtetit. \/Monitor<\/a><\/strong><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Pothuajse 91% e primeve t\u00eb sigurimit nga katastrofat natyrore jan\u00eb t\u00eb p\u00ebrqendruara n\u00eb qarkun e Tiran\u00ebs. T\u00eb dh\u00ebnat nga raporti i Gjeografis\u00eb s\u00eb Sigurimeve, nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF), tregojn\u00eb se sigurimi i pronave vazhdon t\u00eb ket\u00eb nj\u00eb shkall\u00eb shum\u00eb t\u00eb lart\u00eb p\u00ebrqendrimi n\u00eb kryeqytet, nd\u00ebrsa pjesa tjet\u00ebr e vendit ka nj\u00eb mbulim t\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":756260,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-756259","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\/756259","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=756259"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/756259\/revisions"}],"predecessor-version":[{"id":756261,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/756259\/revisions\/756261"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/756260"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=756259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=756259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=756259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}