Kredia e mbuluar me kolateral pasurit\u00eb e paluajtshme vazhdon t\u00eb rritet. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb 6-mujorit 2025 vler\u00ebsohet se rreth 76% e portofolit t\u00eb kredis\u00eb bankare ishte i mbuluar me kolateral, n\u00eb rritje t\u00eb leht\u00eb nga niveli prej 75% i nj\u00eb viti m\u00eb par\u00eb.<\/p>\n
Kolateral dominues p\u00ebr sigurimin e kredive bankare vazhdojn\u00eb t\u00eb jen\u00eb pasurit\u00eb e paluajtshme. Kredit\u00eb me kolateral n\u00eb form\u00ebn e pasurive t\u00eb paluajtshme z\u00ebn\u00eb 46% t\u00eb tepric\u00ebs s\u00eb kredis\u00eb ose rreth 61% t\u00eb kredis\u00eb s\u00eb kolateralizuar.<\/p>\n
Stoku i kredis\u00eb s\u00eb kolateralizuar me pasuri t\u00eb paluajtshme \u00ebsht\u00eb zgjeruar me 9% n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, kryesisht si rezultat i rritjes s\u00eb kredis\u00eb p\u00ebr sht\u00ebpi.<\/p>\n
Edhe portofolet e kredive t\u00eb kolateralizuara me kolateral tjet\u00ebr kan\u00eb sh\u00ebnuar rritje. P\u00ebrve\u00e7 pasurive t\u00eb paluajtshme, q\u00eb ngelen kolaterali kryesor p\u00ebr garantimin e kredive bankare, llojet e tjera t\u00eb kolateralit mund t\u00eb p\u00ebrfshijn\u00eb kryesisht kolateralin financiar (p\u00ebr shembull, cash, aksione t\u00eb kompanive apo portofol kredie performues), apo kolateral tjet\u00ebr n\u00eb form\u00ebn e pasurive t\u00eb luajtshme.<\/p>\n
N\u00eb mesin e k\u00ebtij viti, kredia e dh\u00ebn\u00eb nga sektori bankar raportohej nga Banka e Shqip\u00ebris\u00eb n\u00eb vler\u00ebn e 855 miliard\u00eb lek\u00ebve. Bazuar n\u00eb k\u00ebt\u00eb shif\u00ebr, mund t\u00eb p\u00ebrllogaritet se kredia e siguruar me pasuri t\u00eb paluajtshme kishte vler\u00ebn e rreth 393 miliard\u00eb lek\u00ebve ose af\u00ebrsisht 4 miliard\u00eb eurove.<\/p>\n
N\u00eb vitet e fundit, sektori bankar ka rritur ndjesh\u00ebm portofolin e kredis\u00eb p\u00ebr prona, si p\u00ebr bizneset, ashtu edhe p\u00ebr individ\u00ebt. Vler\u00ebsohet se kreditimi ka qen\u00eb faktor shum\u00eb i r\u00ebnd\u00ebsish\u00ebm n\u00eb mb\u00ebshtetjen e k\u00ebrkes\u00ebs n\u00eb tregun e pasurive t\u00eb paluajtshme. Por, nga ana tjet\u00ebr, kjo ka rritur edhe ekspozimin e sektorit bankar kundrejt ecuris\u00eb s\u00eb tregut t\u00eb pasurive t\u00eb paluajtshme.<\/p>\n
Ekspozimi i sektorit bankar n\u00eb kredi p\u00ebr pasuri t\u00eb paluajtshme ka arritur n\u00eb af\u00ebrsisht 429 miliard\u00eb lek\u00eb. Rreth 54% e k\u00ebsaj shume \u00ebsht\u00eb kredia p\u00ebr individ\u00eb, nd\u00ebrsa 46% \u00ebsht\u00eb kredi e dh\u00ebn\u00eb p\u00ebr biozneset. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vlera totale e kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme \u00ebsht\u00eb n\u00eb rritje vjetore me 16%.<\/p>\n
Aktualisht, kredia p\u00ebr pasuri t\u00eb paluajtshme e individ\u00ebve dhe bizneseve p\u00ebrb\u00ebn m\u00eb shum\u00eb se gjysm\u00ebn e portofolit total t\u00eb kredis\u00eb s\u00eb dh\u00ebn\u00eb p\u00ebr sektorin privat t\u00eb ekonomis\u00eb.<\/p>\n
N\u00eb shumic\u00ebn d\u00ebrrmuese t\u00eb rasteve, kredit\u00eb p\u00ebr pasuri t\u00eb paluajtshme jan\u00eb t\u00eb siguruara me prona t\u00eb l\u00ebna si kolateral n\u00eb favor t\u00eb bankave (n\u00eb rastin m\u00eb tipik, vet\u00eb prona e bler\u00eb me kredi). Nj\u00eb kriz\u00eb e mundshme n\u00eb tregun e pasurive t\u00eb paluajtshme do t\u00eb ulte vler\u00ebn e kolateralit dhe do t\u00eb ekspozonte bankat ndaj rreziqeve p\u00ebr humbje nga kredit\u00eb.<\/p>\n
Duke filluar nga korriku i k\u00ebtij viti, Banka e Shqip\u00ebris\u00eb ka vendosur disa kufizime p\u00ebr standardet e kredidh\u00ebnies s\u00eb re p\u00ebr blerjen e banesave.<\/p>\n
K\u00ebto masa synojn\u00eb ruajtjen e stabilitetit financiar, p\u00ebrball\u00eb rritjes s\u00eb shpejt\u00eb t\u00eb \u00e7mimeve t\u00eb banesave, n\u00ebp\u00ebrmjet ruajtjes s\u00eb aft\u00ebsis\u00eb paguese t\u00eb kredimarr\u00ebsve dhe cil\u00ebsis\u00eb s\u00eb ekspozimeve t\u00eb sektorit bankar ndaj tregut t\u00eb pasurive t\u00eb paluajtshme.<\/p>\n
Raporti tavan i kredis\u00eb ndaj vler\u00ebs n\u00eb monedh\u00ebn Lek\u00eb \u00ebsht\u00eb vendosur 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 kufiri i lejuar \u00ebsht\u00eb 75% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 70% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb.<\/p>\n
Nd\u00ebrsa raporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave p\u00ebr kredit\u00eb n\u00eb Lek\u00eb \u00ebsht\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 \u00ebsht\u00eb 35% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 30% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb. \/ Monitor<\/p>\n
The post BSH: Kredia e siguruar me pasuri t\u00eb paluajtshme arrin n\u00eb kat\u00ebr miliard\u00eb euro k\u00ebt\u00eb vit<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Kredia e mbuluar me kolateral pasurit\u00eb e paluajtshme vazhdon t\u00eb rritet. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb 6-mujorit 2025 vler\u00ebsohet se rreth 76% e portofolit t\u00eb kredis\u00eb bankare ishte i mbuluar me kolateral, n\u00eb rritje t\u00eb leht\u00eb nga niveli prej 75% i nj\u00eb viti m\u00eb par\u00eb. Kolateral dominues p\u00ebr sigurimin 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-44124","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/44124","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=44124"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/44124\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=44124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=44124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=44124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}