Normat e interesit t\u00eb euros n\u00eb tregjet nd\u00ebrkomb\u00ebtare po vazhdojn\u00eb tendenc\u00ebn r\u00ebn\u00ebse dhe kan\u00eb prekur nivelet m\u00eb t\u00eb ul\u00ebt n\u00eb m\u00eb shum\u00eb se dy vjet. Treguesi m\u00eb i r\u00ebnd\u00ebsish\u00ebm referues (benchmark), Euribori, ndodhet n\u00eb nivelet m\u00eb t\u00eb ul\u00ebta q\u00eb prej tetorit t\u00eb vitit 2022. M\u00eb dat\u00eb 2 dhjetor, Euribori 12-mujori arriti nivelin 2.43%.<\/p>\n
R\u00ebnia e Euriborit ka ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb bilancet e sektorit bankar, por edhe t\u00eb subjekteve huamarr\u00ebse n\u00eb monedh\u00ebn europiane brenda Shqip\u00ebris\u00eb. Kredit\u00eb afatgjata n\u00eb monedh\u00ebn europiane kan\u00eb nj\u00eb norm\u00eb interesi q\u00eb nd\u00ebrtohet mb\u00ebshtetur mbi ecurin\u00eb e Euriborit, mbi t\u00eb cilin shtihet nj\u00eb marzh fiks interesi. R\u00ebnia e Euriborit b\u00ebn q\u00eb interesi t\u00ebr\u00ebsor i kredis\u00eb t\u00eb bjer\u00eb dhe huamarr\u00ebsit t\u00eb paguajn\u00eb k\u00ebste m\u00eb t\u00eb ul\u00ebta mujore.<\/p>\n
N\u00eb harkun e 12 muajve t\u00eb fundit, Euribori 12-mujor ka r\u00ebn\u00eb me rreth 1.4 pik\u00eb p\u00ebrqindje. R\u00ebnia e normave t\u00eb interesit t\u00eb Euros po e b\u00ebn p\u00ebrs\u00ebri t\u00eb leverdishme huamarrjen n\u00eb monedh\u00ebn europiane. Cikli agresiv i rritjes s\u00eb normave t\u00eb interesit i nd\u00ebrmarr\u00eb nga Banka Qendrore Europiane b\u00ebri q\u00eb n\u00eb vitin 2023 p\u00ebr her\u00eb t\u00eb par\u00eb normat e interesit p\u00ebr kredit\u00eb n\u00eb euro t\u00eb arrinin nivele m\u00eb t\u00eb larta krahasuar me ato n\u00eb lek\u00eb. Kjo solli nj\u00eb zhvendosje t\u00eb fort\u00eb t\u00eb kreditimit t\u00eb bankave shqiptare drejt lekut. Madje, nj\u00eb pjes\u00eb e huamarr\u00ebsve vendos\u00ebn t\u2019i konvertonin kredis\u00eb nga euro n\u00eb lek, duke shfryt\u00ebzuar edhe r\u00ebnien e kursit t\u00eb k\u00ebmbimit t\u00eb monedh\u00ebs europiane.<\/p>\n
K\u00ebt\u00eb vit, Banka Qendrore Europiane i ka ulur tre her\u00eb normat referuese t\u00eb interesit. Norma e interesit t\u00eb depozitave ditore ka zbritur tashm\u00eb n\u00eb 3.25%, nga niveli maksimal prej 4% q\u00eb ishte deri n\u00eb qershor. Nd\u00ebrsa norma e interesit t\u00eb instrumenteve baz\u00eb t\u00eb financimit t\u00eb bankave ka zbritur n\u00eb 3.4%, nga niveli maksimal prej 4.5% deri n\u00eb qershor t\u00eb k\u00ebtij viti. Edhe banka e Shqip\u00ebris\u00eb ka kryer dy ulje, duke e zbritur norm\u00ebn baz\u00eb nga 3.25% n\u00eb 2.75%.<\/p>\n
Normat e interesit t\u00eb euros ngelen ende n\u00eb nivele pak m\u00eb t\u00eb larta krahasuar me ato t\u00eb lekut, por pritshm\u00ebrit\u00eb p\u00ebr ulje t\u00eb m\u00ebtejshme n\u00eb rastin e euros jan\u00eb m\u00eb t\u00eb m\u00ebdha krahasuar me lekun. Kjo lidhet sidomos me faktin q\u00eb ekonomia e Eurozon\u00ebs ndodhet n\u00eb stanjacion presionet p\u00ebr t\u00eb nxitur rim\u00ebk\u00ebmbjen ekonomike me norma m\u00eb t\u00eb ul\u00ebta interesi jan\u00eb t\u00eb larta.<\/p>\n
Vazhdim\u00ebsia e trajektores r\u00ebn\u00ebse n\u00eb normat e interesit t\u00eb euros ka t\u00eb ngjar\u00eb ta b\u00ebj\u00eb m\u00eb t\u00ebrheq\u00ebse kredin\u00eb n\u00eb monedh\u00ebn europiane. Nga ana tjet\u00ebr, r\u00ebnie e interesave t\u00eb euros nuk \u00ebsht\u00eb lajm i mir\u00eb p\u00ebr bankat. R\u00ebnia e interesave sjell edhe ulje t\u00eb t\u00eb ardhurave nga aktivet n\u00eb monedh\u00ebn europiane, qofshin kredi apo investime n\u00eb instrumente financiare dhe vendosje n\u00eb depozita jasht\u00eb vendit. Normat e larta t\u00eb interesit t\u00eb euros vler\u00ebsohet se kan\u00eb dh\u00ebn\u00eb nj\u00eb ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb rritjen e t\u00eb ardhurave neto nga interesi dhe fitimeve t\u00eb bankave n\u00eb dy vitet e fundit. Kthimi i ciklit r\u00ebn\u00ebs pritet t\u00eb sjell\u00eb gradualisht edhe nj\u00eb ulje t\u00eb fitimeve t\u00eb bankave tregtare.\/ Monitor<\/p>\n
The post Interesat e euros n\u00eb nivelin m\u00eb t\u00eb ul\u00ebt n\u00eb dy vjet\/ P\u00ebrfitojn\u00eb huamarr\u00ebsit<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Normat e interesit t\u00eb euros n\u00eb tregjet nd\u00ebrkomb\u00ebtare po vazhdojn\u00eb tendenc\u00ebn r\u00ebn\u00ebse dhe kan\u00eb prekur nivelet m\u00eb t\u00eb ul\u00ebt n\u00eb m\u00eb shum\u00eb se dy vjet. Treguesi m\u00eb i r\u00ebnd\u00ebsish\u00ebm referues (benchmark), Euribori, ndodhet n\u00eb nivelet m\u00eb t\u00eb ul\u00ebta q\u00eb prej tetorit t\u00eb vitit 2022. M\u00eb dat\u00eb 2 dhjetor, Euribori 12-mujori arriti nivelin 2.43%. R\u00ebnia e […]<\/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-4015","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/4015","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=4015"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/4015\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=4015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=4015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=4015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}