Banka e Shqip\u00ebris\u00eb kufizon vler\u00ebn e k\u00ebsteve t\u00eb kredis\u00eb p\u00ebr qytetar\u00ebt shqiptar\u00eb q\u00eb duan t\u00eb blejn\u00eb nj\u00eb banes\u00eb. Lajmin e dha guverantori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko. N\u00eb nj\u00eb deklarat\u00eb p\u00ebr shtyp, guvernatori tha se u vendos nj\u00eb tavan p\u00ebr shum\u00ebn e kredis\u00eb q\u00eb mund t\u00eb marrin qytetar\u00ebt p\u00ebr t\u00eb bler\u00eb nj\u00eb sht\u00ebpi. <\/p>\n
\u201cMor\u00ebm disa masa lidhur me kreditimin n\u00eb tregun e pasurive t\u00eb patund\u00ebshme, kryesisht p\u00ebr individ\u00ebt. N\u00eb k\u00ebt\u00eb kontekst, vendos\u00ebm nj\u00eb tavan lidhur me huan\u00eb n\u00eb raport me vler\u00ebn e banes\u00ebs, dhe n\u00eb raport me vler\u00ebs s\u00eb kredis\u00eb me pag\u00ebn e huamarr\u00ebsit. M\u00eb konkretisht k\u00ebto tavane jan\u00eb maksimumi i huas\u00eb p\u00ebr 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. N\u00eb valut\u00eb t\u00eb huaj vlera e kredis\u00eb do t\u00eb jet\u00eb 75% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 70% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb lidhur me monedh\u00ebn n\u00eb valut\u00eb t\u00eb huaj p\u00ebr t\u00eb shmangur rrezikun e kursit t\u00eb k\u00ebmbimit. K\u00ebsti ndaj t\u00eb ardhurave si raport do t\u00eb jet\u00eb n\u00eb nivelin 40% p\u00ebr monedh\u00ebn lek\u00eb dhe 35% p\u00ebr monedh\u00ebn n\u00eb valut\u00eb t\u00eb huaj. Kjo \u00ebsht\u00eb p\u00ebr sht\u00ebpin\u00eb e par\u00eb. P\u00ebr lekun do t\u00eb jet\u00eb 35% raporti i k\u00ebtit me t\u00eb ardhurat, nd\u00ebrsa 30% p\u00ebr sht\u00ebpin\u00eb e tyre. Pra, Banka e Shqip\u00ebris\u00eb ka v\u00ebn\u00eb standardizim,\u201d-tha n\u00eb fjal\u00ebn e tij Sejko. <\/p>\n
N\u00eb shkurt t\u00eb k\u00ebtij viti u konstatua se kredia p\u00ebr sht\u00ebpi u rrit p\u00ebr t\u00eb 5-tin vit radhazi. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregonin se kredia p\u00ebr banesa arriti n\u00eb 54.9 miliard\u00eb lek\u00eb n\u00eb 2024, nj\u00eb rritje me 13% krahasuar me vitin 2023. K\u00ebt\u00eb tendenc\u00eb agjent\u00ebt e pasurive t\u00eb paluajtshme e lidhin me normat e ul\u00ebta t\u00eb interesit, por dhe rritjen e pagave, ku qytetar\u00ebt arrijn\u00eb t\u00eb plot\u00ebsojn\u00eb edhe k\u00ebt\u00eb kriter t\u00eb bankave p\u00ebr t\u00eb p\u00ebrfituar kredin\u00eb.
\nD\u00ebshira e t\u00eb qenurit pronar t\u00eb nj\u00eb banese, i ka b\u00ebr\u00eb qytetar\u00ebt shqiptar\u00eb edhe m\u00eb borxhlinj ndaj bankave por m\u00eb s\u00eb shumti n\u00eb monedh\u00ebn komb\u00ebtare p\u00ebr shkak t\u00eb luahtjeve n\u00eb kursin e k\u00ebmbimit valutor. Kredit\u00eb p\u00ebr sht\u00ebpi individ\u00ebt po i marrin m\u00eb shum\u00eb n\u00eb monedh\u00ebn vendase. Nga ana tjet\u00ebr kredia e re n\u00eb euro p\u00ebr banesa zbriti n\u00eb 14 miliard\u00eb lek\u00eb nj\u00eb vit m\u00eb par\u00eb, nj\u00eb r\u00ebnie me 24% krahasuar me vitin 2023.<\/p>\n
The post Banka e Shqip\u00ebris\u00eb kufizon kredit\u00eb p\u00ebr blerje banesash<\/a> appeared first on www.lexo.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Banka e Shqip\u00ebris\u00eb kufizon vler\u00ebn e k\u00ebsteve t\u00eb kredis\u00eb p\u00ebr qytetar\u00ebt shqiptar\u00eb q\u00eb duan t\u00eb blejn\u00eb nj\u00eb banes\u00eb. Lajmin e dha guverantori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko. N\u00eb nj\u00eb deklarat\u00eb p\u00ebr shtyp, guvernatori tha se u vendos nj\u00eb tavan p\u00ebr shum\u00ebn e kredis\u00eb q\u00eb mund t\u00eb marrin qytetar\u00ebt p\u00ebr t\u00eb bler\u00eb nj\u00eb sht\u00ebpi. \u201cMor\u00ebm […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19634","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/19634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=19634"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/19634\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=19634"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=19634"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=19634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}