{"id":757902,"date":"2025-08-29T23:49:08","date_gmt":"2025-08-29T21:49:08","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=757902"},"modified":"2025-08-29T23:49:08","modified_gmt":"2025-08-29T21:49:08","slug":"masat-per-te-frenuar-kredine-per-shtepi-nuk-dhane-efekte-drastike-ne-muajin-e-pare-te-aplikimit","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/08\/29\/masat-per-te-frenuar-kredine-per-shtepi-nuk-dhane-efekte-drastike-ne-muajin-e-pare-te-aplikimit\/","title":{"rendered":"Masat p\u00ebr t\u00eb frenuar kredin\u00eb p\u00ebr sht\u00ebpi nuk dhan\u00eb efekte drastike n\u00eb muajin e par\u00eb t\u00eb aplikimit","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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N\u00eb muajin korrik t\u00eb k\u00ebtij viti, hyn\u00eb n\u00eb fuqi masat e vendosura nga Banka e Shqip\u00ebris\u00eb, p\u00ebr aplikimin e disa kritereve t\u00eb detyrueshme t\u00eb riskut n\u00eb huadh\u00ebnien p\u00ebr blerje t\u00eb banesave nga individ\u00ebt.<\/span><\/p>\n

T\u00eb dh\u00ebnat e para t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se hyrja n\u00eb fuqi e kufizimeve rregullatore nuk duket t\u00eb ket\u00eb sjell\u00eb nj\u00eb efekt dramatik n\u00eb frenimin e kredis\u00eb p\u00ebr sht\u00ebpi. Gjat\u00eb muajit korrik, sektori bankar dha rreth 4.65 miliard\u00eb lek\u00eb kredi t\u00eb reja p\u00ebr sht\u00ebpi. Huadh\u00ebnia u rrit me 12.5% krahasuar me korrikun e vitit t\u00eb kaluar.<\/span><\/p>\n

Vlera e kredis\u00eb p\u00ebsoi megjithat\u00eb nj\u00eb r\u00ebnie t\u00eb ndjeshme krahasuar me vler\u00ebn rekord prej 7.4 miliard\u00eb lek\u00ebsh t\u00eb muajit qershor; megjithat\u00eb, shifrat shum\u00eb t\u00eb m\u00ebdha t\u00eb huadh\u00ebnies n\u00eb qershor reflektuan kryesisht nxitimin p\u00ebr t\u00eb kryer sa m\u00eb shum\u00eb disbursime para hyrjes n\u00eb fuqi t\u00eb rregullave t\u00eb reja.<\/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.<\/span><\/p>\n

Deri tani, kredia p\u00ebr sht\u00ebpi gjat\u00eb 2025 po sh\u00ebnon vlerat m\u00eb t\u00eb larta historike. N\u00eb shtat\u00eb muaj, bankat kan\u00eb dh\u00ebn\u00eb gjithsej pothuajse 41 miliard\u00eb lek\u00eb kredi, n\u00eb rritje me 29% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Portofoli aktiv total n\u00eb fund t\u00eb korrikut arriti vler\u00ebn e 232 miliard\u00eb lek\u00ebve. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, ky portofol \u00ebsht\u00eb zgjeruar me 17%. Kredia p\u00ebr individ\u00ebt, duke p\u00ebrfshir\u00eb edhe segmentin m\u00eb t\u00eb madh t\u00eb saj, kredin\u00eb p\u00ebr sht\u00ebpi, po jep kontributin kryesor n\u00eb rritjen e kredis\u00eb p\u00ebr ekonomin\u00eb gjat\u00eb k\u00ebtij viti.<\/span><\/p>\n

VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span><\/span><\/p>\n

\"\"<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

N\u00eb muajin korrik t\u00eb k\u00ebtij viti, hyn\u00eb n\u00eb fuqi masat e vendosura nga Banka e Shqip\u00ebris\u00eb, p\u00ebr aplikimin e disa kritereve t\u00eb detyrueshme t\u00eb riskut n\u00eb huadh\u00ebnien p\u00ebr blerje t\u00eb banesave nga individ\u00ebt. T\u00eb dh\u00ebnat e para t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se hyrja n\u00eb fuqi e kufizimeve rregullatore nuk duket t\u00eb ket\u00eb sjell\u00eb nj\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":757904,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-757902","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\/757902","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=757902"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/757902\/revisions"}],"predecessor-version":[{"id":757905,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/757902\/revisions\/757905"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/757904"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=757902"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=757902"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=757902"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}