{"id":776960,"date":"2025-12-16T09:50:11","date_gmt":"2025-12-16T08:50:11","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=776960"},"modified":"2025-12-16T09:50:11","modified_gmt":"2025-12-16T08:50:11","slug":"bankat-ne-kosove-rrisin-kamatat-dhe-tarifat-e-sherbimeve","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/12\/16\/bankat-ne-kosove-rrisin-kamatat-dhe-tarifat-e-sherbimeve\/","title":{"rendered":"Bankat n\u00eb Kosov\u00eb rrisin kamatat dhe tarifat e sh\u00ebrbimeve","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Normat e interesit n\u00eb bankat komerciale n\u00eb Kosov\u00eb kan\u00eb sh\u00ebnuar rritje t\u00eb ndjeshme. P\u00ebrve\u00e7 rritjes s\u00eb kamatave, nj\u00eb pjes\u00eb e bankave k\u00ebt\u00eb vit kan\u00eb shtrenjtuar ndjesh\u00ebm sh\u00ebrbimet e tyre p\u00ebr klient\u00ebt.<\/span><\/p>\n

P\u00ebr n\u00ebnt\u00eb muajt e par\u00eb t\u00eb k\u00ebtij viti, bankat komerciale n\u00eb Kosov\u00eb kan\u00eb rritur ndjesh\u00ebm normat e interesit p\u00ebr kredi, duke kaluar nga 6 n\u00eb gati 7 p\u00ebr qind \u2013 q\u00eb p\u00ebrb\u00ebn rritje prej afro 15 p\u00ebr qind.<\/span><\/p>\n

N\u00eb disa raste, kamata ka shkuar deri n\u00eb 10 p\u00ebr qind, var\u00ebsisht nga lloji i kredis\u00eb.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave zyrtare, n\u00eb janar norma mesatare e interesit ishte 6.01 p\u00ebr qind, nd\u00ebrsa n\u00eb shtator \u00ebsht\u00eb 6.9 p\u00ebr qind. N\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb, vlera e kredive t\u00eb reja \u00ebsht\u00eb ulur: n\u00eb shkurt ato arrinin 230 milion\u00eb euro, nd\u00ebrsa n\u00eb shtator vet\u00ebm 190 milion\u00eb euro.<\/span><\/p>\n

Ish-guvernatori i Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs Fehmi Mehmeti, ka treguar se rritja e normave t\u00eb interesit lidhet me politikat e Bank\u00ebs Qendrore, inflacionin dhe kriz\u00ebn institucionale q\u00eb po kalon vendi.<\/span><\/p>\n

\u201cInflacioni i lart\u00eb shton rrezikun e mospages\u00ebs nga qytetar\u00ebt, sepse shpenzimet e tyre t\u00eb p\u00ebrditshme jan\u00eb m\u00eb t\u00eb larta. Kjo i shtyn bankat t\u00eb k\u00ebrkojn\u00eb primi m\u00eb t\u00eb madh t\u00eb rrezikut dhe pastaj kemi kamata m\u00eb t\u00eb larta. Si p\u00ebrmbledhje, kemi nj\u00eb lidhje inflacion\u2013kapital\u2013kamat\u00eb\u201d.<\/span><\/p>\n

Ai shton se ndikim t\u00eb madh ka pasur edhe rritja e rezervave t\u00eb detyrueshme q\u00eb bankat duhet t\u2019i mbajn\u00eb, e cila ndikon drejtp\u00ebrdrejt n\u00eb koston e kreditimit.<\/span><\/p>\n

\u201cDeri n\u00eb k\u00ebt\u00eb vit, bankat kishin minimum 8 ose 12 p\u00ebr qind kapital n\u00eb raport me asetet e rrezikuara. Nga ky vit, BQK-ja e ka rritur k\u00ebt\u00eb n\u00eb 10 dhe 14 p\u00ebr qind. N\u00eb k\u00ebt\u00eb rast bankat duhet t\u00eb mbajn\u00eb m\u00eb shum\u00eb kapital rezerv\u00eb p\u00ebr \u00e7do kredi q\u00eb japin. Kjo n\u00ebnkupton m\u00eb pak hap\u00ebsir\u00eb p\u00ebr kredi t\u00eb reja, sepse kostoja e kapitalit rritet. P\u00ebr ta kompensuar k\u00ebt\u00eb \u2018bllokim kapitali\u2019, bankat i transferojn\u00eb kostot te klient\u00ebt p\u00ebrmes kamatave m\u00eb t\u00eb larta\u201d.<\/span><\/p>\n

Nga Banka Qendrore e Kosov\u00ebs kan\u00eb konfirmuar se kan\u00eb vendosur nj\u00eb shtes\u00eb prej 2 p\u00ebr qind mbi asetet me rrezik, me q\u00ebllim t\u00eb forcimit t\u00eb stabilitetit financiar.<\/span><\/p>\n

\u201cShtesat e kapitalit sh\u00ebrbejn\u00eb p\u00ebr q\u00ebllim t\u00eb fuqizimit t\u00eb sektorit bankar, p\u00ebrkat\u00ebsisht aft\u00ebsis\u00eb s\u00eb bankave p\u00ebr t\u2019u p\u00ebrballur me rreziqe n\u00eb situata t\u00eb caktuara\u201d.<\/span><\/p>\n

Sipas k\u00ebtij institucioni, kreditimi n\u00eb gjysm\u00ebn e par\u00eb t\u00eb vitit 2025 ka qen\u00eb m\u00eb i p\u00ebrshpejtuar se n\u00eb vitin paraprak, ve\u00e7an\u00ebrisht n\u00eb muajin maj, kur \u00ebsht\u00eb regjistruar rritje prej 21 p\u00ebr qind krahasuar me majin e vitit 2024. Rritje \u00ebsht\u00eb sh\u00ebnuar edhe n\u00eb muajt pasues, n\u00eb nivel deri n\u00eb 18 p\u00ebr qind.<\/span><\/p>\n

P\u00ebrve\u00e7 rritjes s\u00eb kamatave, nj\u00eb pjes\u00eb e bankave komerciale n\u00eb Kosov\u00eb k\u00ebt\u00eb vit kan\u00eb shtrenjtuar ndjesh\u00ebm sh\u00ebrbimet e tyre p\u00ebr klient\u00ebt.<\/span><\/p>\n

Ngritje jan\u00eb regjistruar n\u00eb tarifat p\u00ebr t\u00ebrheqje t\u00eb parave n\u00eb deg\u00eb, mir\u00ebmbajtjen e kartelave, si dhe n\u00eb p\u00ebrdorimin e aplikacionit e-banking.<\/span><\/p>\n

P\u00ebr t\u00ebrheqje n\u00eb deg\u00eb deri n\u00eb vler\u00ebn e 10 eurove, tarifa \u00ebsht\u00eb rritur nga 2 n\u00eb 4 euro.<\/span><\/p>\n

Mir\u00ebmbajtja mujore p\u00ebr aplikacionin \u201ce-banking\u201d p\u00ebr individ\u00eb, q\u00eb m\u00eb par\u00eb ishte falas, tani \u00ebsht\u00eb 0.50 euro.<\/span><\/p>\n

Mir\u00ebmbajtja vjetore e kartelave \u201cVisa\u201d dhe \u201cMasterCard\u201d \u00ebsht\u00eb rritur nga 15 n\u00eb 18 euro.<\/span><\/p>\n

Nj\u00eb bank\u00eb tjet\u00ebr ka ngritur tarif\u00ebn p\u00ebr njoftime SMS nga 10 cent n\u00eb 20 cent p\u00ebr \u00e7do verifikim ose blerje \u201conline\u201d.<\/span><\/p>\n

Po ashtu, norma e k\u00ebmbimit p\u00ebr transaksionet me kartel\u00eb n\u00eb valuta jo-euro \u00ebsht\u00eb dyfishuar, nga 1% n\u00eb 2%.<\/span><\/p>\n

N\u00eb lidhje me ndryshimet \u00e7mimore, gjat\u00eb viteve 2024\u20132025, Banka Qendrore ka pranuar gjithsej 17 ankesa nga klient\u00ebt p\u00ebr tarifat bankare.<\/span><\/p>\n

Fitimet rekord t\u00eb sektorit bankar<\/strong><\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave t\u00eb BQK-s\u00eb, sektori bankar n\u00eb Kosov\u00eb ka mbyllur vitin 2024 me nj\u00eb fitim neto prej 182.1 milion\u00eb euro, q\u00eb \u00ebsht\u00eb shifra m\u00eb e lart\u00eb e regjistruar ndonj\u00ebher\u00eb n\u00eb vend. Nd\u00ebrkaq, nga janari deri n\u00eb shtator t\u00eb k\u00ebtij viti, fitimi neto i bankave komerciale ka arritur 137.2 milion\u00eb euro.<\/span><\/p>\n

Ndryshimet e shpeshta t\u00eb tarifave kan\u00eb shkaktuar pak\u00ebnaq\u00ebsi edhe te komuniteti i bizneseve.<\/span><\/p>\n

Kushtrim Ahmeti nga Dhoma e Tregtis\u00eb dhe Industris\u00eb s\u00eb Kosov\u00ebs ka th\u00ebn\u00eb se kompanit\u00eb jan\u00eb p\u00ebrball\u00eb pasigurive t\u00eb m\u00ebdha n\u00eb planifikimin e shpenzimeve t\u00eb tyre.<\/span><\/p>\n

\u201cBizneset nuk kan\u00eb asnj\u00eb siguri sa i p\u00ebrket planifikimit t\u00eb shpenzimeve, sepse tarifat bankare po ndryshojn\u00eb shpesh dhe pa paralajm\u00ebrim t\u00eb qart\u00eb\u201d.<\/span><\/p>\n

Bankat komerciale n\u00eb Kosov\u00eb i p\u00ebrcaktojn\u00eb individualisht normat e interesit dhe t\u00eb depozitave, duke u bazuar n\u00eb politikat e tyre afariste, dhe BQK-ja nuk ka t\u00eb drejt\u00eb t\u00eb nd\u00ebrhyj\u00eb direkt te to.<\/span><\/p>\n

Sipas BQK-s\u00eb, tregu bankar funksionon si nj\u00eb treg i lir\u00eb, ku kushtet e tregut p\u00ebrcaktojn\u00eb koston e fondeve dhe t\u00eb kredive.<\/span><\/p>\n

N\u00eb Kosov\u00eb operojn\u00eb 11 banka komerciale, nd\u00ebrsa funksionojn\u00eb edhe n\u00ebnt\u00eb institucione mikrofinanciare q\u00eb ofrojn\u00eb kredi p\u00ebr qytetar\u00ebt. Megjith\u00ebse kushtet e k\u00ebtyre t\u00eb fundit jan\u00eb m\u00eb t\u00eb lehta, normat e interesit q\u00eb aplikojn\u00eb jan\u00eb duksh\u00ebm m\u00eb t\u00eb larta, rreth 20 p\u00ebr qind.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Normat e interesit n\u00eb bankat komerciale n\u00eb Kosov\u00eb kan\u00eb sh\u00ebnuar rritje t\u00eb ndjeshme. P\u00ebrve\u00e7 rritjes s\u00eb kamatave, nj\u00eb pjes\u00eb e bankave k\u00ebt\u00eb vit kan\u00eb shtrenjtuar ndjesh\u00ebm sh\u00ebrbimet e tyre p\u00ebr klient\u00ebt. P\u00ebr n\u00ebnt\u00eb muajt e par\u00eb t\u00eb k\u00ebtij viti, bankat komerciale n\u00eb Kosov\u00eb kan\u00eb rritur ndjesh\u00ebm normat e interesit p\u00ebr kredi, duke kaluar nga 6 […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":776961,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[149],"tags":[],"class_list":["post-776960","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kosoverajon"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/776960","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=776960"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/776960\/revisions"}],"predecessor-version":[{"id":776962,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/776960\/revisions\/776962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/776961"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=776960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=776960"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=776960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}