{"id":774283,"date":"2025-12-01T07:29:41","date_gmt":"2025-12-01T06:29:41","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=774283"},"modified":"2025-12-01T07:32:31","modified_gmt":"2025-12-01T06:32:31","slug":"masat-e-bsh-nuk-e-ndalojne-dot-kredine-per-shtepi-u-rrit-me-35-per-tetorin","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/12\/01\/masat-e-bsh-nuk-e-ndalojne-dot-kredine-per-shtepi-u-rrit-me-35-per-tetorin\/","title":{"rendered":"Masat e BSH nuk e ndalojn\u00eb dot kredin\u00eb p\u00ebr sht\u00ebpi, u rrit me 35% p\u00ebr tetorin","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"
\nKredia p\u00ebr sht\u00ebpi ka vazhduar rritjen edhe p\u00ebr tetorin, duke konfirmuar nj\u00eb ndjeshm\u00ebri t\u00eb ul\u00ebt ndaj masave kufizuese t\u00eb aplikuara nga Banka e Shqip\u00ebris\u00eb.<\/span><\/p>\n

Statistikat e Bank\u00ebs Qendrore, t\u00eb interpretuara nga Monitor<\/a><\/span>, tregojn\u00eb se n\u00eb muajin tetor, sektori bankar dha gjithsej rreth 4.7 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr blerjen e banesave, me nj\u00eb rritje prej 35% krahasuar me tetorin e vitit t\u00eb kaluar.<\/span><\/p>\n

N\u00eb periudh\u00ebn korrik-tetor, q\u00eb p\u00ebrkon me hyrjen n\u00eb fuqi t\u00eb masave kufizuese t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kredia e re p\u00ebr sht\u00ebpi ka arritur n\u00eb 18.5 miliard\u00eb lek\u00eb, n\u00eb rritje me gati 23% krahasuar me t\u00eb nj\u00ebt\u00ebn periudh\u00eb t\u00eb vitit 2024.<\/span><\/p>\n

T\u00eb dh\u00ebnat progresive t\u00eb 10-mujorit tregojn\u00eb se vlera e kredis\u00eb p\u00ebr blerje banesash ka arritur nj\u00eb rekord t\u00eb ri historik p\u00ebr k\u00ebt\u00eb vit. Sektori bankar disbursoi gjithsej 54.7 miliard\u00eb kredi, 26.6% m\u00eb shum\u00eb krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Portofoli aktiv total i kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb fund t\u00eb tetorit arriti vler\u00ebn e 238.1 miliard\u00eb lek\u00ebve. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, ky portofol \u00ebsht\u00eb zgjeruar me 18.4%.<\/span><\/p>\n

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

Q\u00eb prej 1 korrikut t\u00eb k\u00ebtij viti, bankat jan\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

K\u00ebto masa erdh\u00ebn n\u00eb vijim t\u00eb aplikimit t\u00eb shtesave kund\u00ebrciklike n\u00eb raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit vitin e kaluar, me gjithsej 0.5%. Kjo rritje ka si q\u00ebllim pik\u00ebirsht ngadal\u00ebsimin e huadh\u00ebnies nga sektori bankar. K\u00ebto masa u k\u00ebshilluan nga Fondi Monetar Nd\u00ebrkomb\u00ebtar, por megjithat\u00eb t\u00eb pakt\u00ebn n\u00eb faz\u00ebn e par\u00eb nuk kan\u00eb dh\u00ebn\u00eb efekte dometh\u00ebn\u00ebse.<\/span><\/p>\n

N\u00eb deklarat\u00ebn e fundit p\u00ebr Shqip\u00ebrin\u00eb, misioni i FMN shprehet se aktivizimi s\u00eb fundmi i masave ndaj kredimarr\u00ebsit p\u00ebr kredit\u00eb e reja p\u00ebr pasuri t\u00eb paluajtshme rezidenciale mbush nj\u00eb boshll\u00ebk t\u00eb m\u00ebparsh\u00ebm dhe duhet t\u00eb b\u00ebhet nj\u00eb mjet i p\u00ebrhersh\u00ebm. Madje, FMN rekomandon vendosjen e nj\u00eb shtese sektoriale t\u00eb kapitalit p\u00ebr rrezikun sistemik, pesha m\u00eb t\u00eb larta rreziku ose masa t\u00eb tjera q\u00eb sh\u00ebnjestrojn\u00eb kredimarr\u00ebsit, si mjete shtes\u00eb p\u00ebr t\u00eb adresuar rreziqet n\u00eb rritje nga huadh\u00ebnia p\u00ebr pasuri t\u00eb paluajtshme p\u00ebr q\u00ebllime tregtare.<\/span><\/p>\n

\n

\"\"<\/a><\/span><\/p>\n

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

Kredia p\u00ebr sht\u00ebpi ka vazhduar rritjen edhe p\u00ebr tetorin, duke konfirmuar nj\u00eb ndjeshm\u00ebri t\u00eb ul\u00ebt ndaj masave kufizuese t\u00eb aplikuara nga Banka e Shqip\u00ebris\u00eb. Statistikat e Bank\u00ebs Qendrore, t\u00eb interpretuara nga Monitor, tregojn\u00eb se n\u00eb muajin tetor, sektori bankar dha gjithsej rreth 4.7 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr blerjen e banesave, me nj\u00eb rritje […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":753704,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-774283","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\/774283","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=774283"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/774283\/revisions"}],"predecessor-version":[{"id":774287,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/774283\/revisions\/774287"}],"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=774283"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=774283"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=774283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}