{"id":782182,"date":"2026-01-20T08:19:25","date_gmt":"2026-01-20T07:19:25","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=782182"},"modified":"2026-01-20T08:19:25","modified_gmt":"2026-01-20T07:19:25","slug":"interesi-maksimal-i-lejuar-per-kredite-e-vogla-konsumatore-ulet-me-tej-ne-54-8","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2026\/01\/20\/interesi-maksimal-i-lejuar-per-kredite-e-vogla-konsumatore-ulet-me-tej-ne-54-8\/","title":{"rendered":"Interesi maksimal i lejuar p\u00ebr kredit\u00eb e vogla konsumator\u00eb ulet m\u00eb tej n\u00eb 54.8%","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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\nNorma maksimale e interesit (NEI maksimal) p\u00ebr kredit\u00eb konsumatore \u00ebsht\u00eb ulur s\u00ebrish p\u00ebr gjysm\u00ebn e par\u00eb t\u00eb vitit 2026.<\/span><\/p>\n

Sipas normave t\u00eb reja t\u00eb miratuara nga Banka e Shqip\u00ebris\u00eb, p\u00ebr kredit\u00eb konsumatore me vler\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb, institucionet financiare nuk mund t\u00eb aplikojn\u00eb norm\u00eb efektive interesi m\u00eb t\u00eb lart\u00eb se 54.8%, nga 62.2% q\u00eb kishte qen\u00eb n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb vitit 2025 dhe nga 70.9% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Norma efektive maksimale e interesit p\u00ebrfshin norm\u00ebn nominale t\u00eb interesit, komisionet e aplikuara nga huadh\u00ebn\u00ebsi dhe t\u00eb gjitha kostot e kredis\u00eb q\u00eb i transferohen klientit.<\/span><\/p>\n

Sipas ndryshimeve t\u00eb miratuara n\u00eb fillim t\u00eb vitit 2025 nga Banka e Shqip\u00ebris\u00eb n\u00eb rregulloren \u201cP\u00ebr kredin\u00eb konsumatore dhe kredin\u00eb hipotekare\u201d, norma maksimale e interesit p\u00ebr kredit\u00eb konsumatore me k\u00ebste deri n\u00eb vler\u00ebn e 200 mij\u00eb lek\u00ebve do t\u00eb jet\u00eb sa mesatarja e thjesht\u00eb e norm\u00ebs efektive t\u00eb interesit p\u00ebr kredin\u00eb e dh\u00ebn\u00eb n\u00eb 6-mujorin paraardh\u00ebs, pa u shtuar me nj\u00eb t\u00eb tret\u00ebn, si\u00e7 parashikohej m\u00eb par\u00eb.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, p\u00ebr kredit\u00eb n\u00eb vler\u00eb m\u00eb t\u00eb lart\u00eb se 200 mij\u00eb lek\u00eb m\u00ebnyra e llogaritjes do t\u00eb vazhdoj\u00eb t\u00eb jet\u00eb e nj\u00ebjt\u00eb, duke i shtuar mesatares s\u00eb 6-mujorit t\u00eb kaluar nj\u00eb t\u00eb tret\u00ebn, p\u00ebr t\u00eb p\u00ebrcaktuar vler\u00ebn e NEI-t maksimal.<\/span><\/p>\n

Pjes\u00eb e ndryshimeve n\u00eb rregullore ishte edhe shtimi i detyrimit p\u00ebr kryerjen e pages\u00ebs nga ana e konsumatorit t\u00eb komisioneve t\u00eb aplikuara nga subjektet n\u00eb momentin e dh\u00ebnies s\u00eb kredis\u00eb konsumatore, duke mos lejuar shp\u00ebrndarjen e k\u00ebtyre kostove p\u00ebrgjat\u00eb jet\u00ebgjat\u00ebsis\u00eb s\u00eb kredis\u00eb.<\/span><\/p>\n

Gjithmon\u00eb p\u00ebr shumat deri n\u00eb 200 mij\u00eb lek\u00eb, NEI maksimal p\u00ebr overdraftet (paradh\u00ebniet) \u00ebsht\u00eb ulur leht\u00eb n\u00eb 18.27%, nga 18.3% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e dyt\u00eb 2025 dhe nga 18.54% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e par\u00eb 2025.<\/span><\/p>\n

NEI maksimal p\u00ebr kredit\u00eb nga 200 mij\u00eb lek\u00eb deri n\u00eb 600 mij\u00eb lek\u00eb ka sh\u00ebnuar nj\u00eb rritje t\u00eb leht\u00eb n\u00eb 35.43%, nga 35.21% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e kaluar, por ngelet n\u00eb nivel m\u00eb t\u00eb ul\u00ebt nga norma prej 36.55% e gjasht\u00ebmujorit t\u00eb par\u00eb 2025.<\/span><\/p>\n

P\u00ebr overdraftet n\u00eb intervalin 200-600 mij\u00eb lek\u00eb, NEI maksimal \u00ebsht\u00eb rritur n\u00eb 18.5%, nga 18.41% q\u00eb ishte n\u00eb gjasht\u00ebmujorin e dyt\u00eb 2025 dhe n\u00eb t\u00eb nj\u00ebjtin nivel me gjasht\u00ebmujorin e par\u00eb 2025.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, p\u00ebr kredit\u00eb me vler\u00eb nga 600 001 deri n\u00eb 2 000 000 lek\u00eb NEI maksimal \u00ebsht\u00eb ulur n\u00eb 14.71%, nga 14.93% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e kaluar, por ngelet n\u00eb nivel leht\u00ebsisht m\u00eb t\u00eb lart\u00eb nga norma 14.67% e gjasht\u00ebmujorit t\u00eb par\u00eb t\u00eb vitit 2025.<\/span><\/p>\n

Aplikimi i nj\u00eb norme tavan interesi p\u00ebr kredit\u00eb konsumatore n\u00eb Shqip\u00ebri nisi n\u00eb fillim t\u00eb vitit t\u00eb vitit 2022. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, arsyeja kryesore ishte mbrojtja e konsumatorit nga normat potencialisht abuzive t\u00eb interesit, t\u00eb aplikuara kryesisht nga disa institucione financiare jobanka.<\/span><\/p>\n

Q\u00eb prej aplikimit p\u00ebr her\u00eb t\u00eb par\u00eb, NEI maksimal ka p\u00ebsuar nj\u00eb r\u00ebnie t\u00eb ndjeshme. NEI i par\u00eb maksimal p\u00ebr kredit\u00eb e vogla deri n\u00eb 200 mij\u00eb lek\u00eb, q\u00eb u vendos n\u00eb fillim t\u00eb vitit 2022, ishte n\u00eb nivelin 171.41%, nd\u00ebrsa sipas publikimit m\u00eb t\u00eb fundit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb ky tregues ka zbritur tashm\u00eb n\u00eb 54.8%.\/<\/span>Monitor<\/strong><\/span><\/a><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Norma maksimale e interesit (NEI maksimal) p\u00ebr kredit\u00eb konsumatore \u00ebsht\u00eb ulur s\u00ebrish p\u00ebr gjysm\u00ebn e par\u00eb t\u00eb vitit 2026. Sipas normave t\u00eb reja t\u00eb miratuara nga Banka e Shqip\u00ebris\u00eb, p\u00ebr kredit\u00eb konsumatore me vler\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb, institucionet financiare nuk mund t\u00eb aplikojn\u00eb norm\u00eb efektive interesi m\u00eb t\u00eb lart\u00eb se 54.8%, nga 62.2% […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":782183,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-782182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fast-foodi"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/782182","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=782182"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/782182\/revisions"}],"predecessor-version":[{"id":782184,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/782182\/revisions\/782184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/782183"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=782182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=782182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=782182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}