Kredia p\u00ebr sht\u00ebpi ka vazhduar rritjen gjat\u00eb tremujorit t\u00eb tret\u00eb t\u00eb vitit, pavar\u00ebsisht nisjes s\u00eb aplikimit t\u00eb masave kufizuese t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Statistikat e Bank\u00ebs Qendrore tregojn\u00eb se n\u00eb tremujorin e tret\u00eb, sektori bankar dha gjithsej rreht 13.8 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr blerjen e banesave, me nj\u00eb rritje prej 16% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar.<\/p>\n
T\u00eb dh\u00ebnat progresive t\u00eb 9-mujorit tregojn\u00eb se vlera e kredis\u00eb p\u00ebr blerje banesash ka arritur nj\u00eb rekord t\u00eb ri historik p\u00ebr k\u00ebt\u00eb vit. Gjat\u00eb n\u00ebnt\u00eb muajve, sektori bankar disbursoi gjithsej 50 miliard\u00eb kredi, 27% m\u00eb shum\u00eb krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit 2024.<\/p>\n
Portofoli aktiv total n\u00eb fund t\u00eb shtatorit arriti vler\u00ebn e 236 miliard\u00eb lek\u00ebve. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, ky portofol \u00ebsht\u00eb zgjeruar me pothuajse 18%.<\/p>\n
Kredia p\u00ebr individ\u00ebt, duke p\u00ebrfshir\u00eb edhe segmentin m\u00eb t\u00eb madh t\u00eb saj, kredin\u00eb p\u00ebr sht\u00ebpi, po jep kontributin kryesor n\u00eb rritjen e kredis\u00eb p\u00ebr ekonomin\u00eb gjat\u00eb k\u00ebtij viti.<\/p>\n
Q\u00eb prej 1 korrikut t\u00eb k\u00ebtij viti, bankat jan\u00eb t\u00eb detyruara t\u00eb respektojn\u00eb disa kritere t\u00eb administrimit t\u00eb rrezikut, konkretisht p\u00ebr treguesit \u201cRaporti i kredis\u00eb ndaj vler\u00ebs\u201d (p\u00ebrqindja e \u00e7mimit t\u00eb blerjes s\u00eb banes\u00ebs q\u00eb banka merr p\u00ebrsip\u00ebr t\u00eb financoj\u00eb n\u00ebp\u00ebrmjet kredis\u00eb) dhe \u201cRaporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave\u201d (raportin mes k\u00ebstit ose k\u00ebsteve t\u00eb kredis\u00eb p\u00ebr prona ndaj t\u00eb ardhurave t\u00eb huamarr\u00ebsve).<\/p>\n
Raporti tavan i kredis\u00eb ndaj vler\u00ebs n\u00eb 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, nd\u00ebrsa n\u00eb valut\u00eb t\u00eb huaj 75% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 70% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb.<\/p>\n
Raporti i sh\u00ebrbimit t\u00eb borxhit ndaj t\u00eb ardhurave p\u00ebr kredit\u00eb n\u00eb Lek\u00eb do t\u00eb jet\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 do t\u00eb jet\u00eb 35% p\u00ebr sht\u00ebpin\u00eb e par\u00eb dhe 30% p\u00ebr sht\u00ebpin\u00eb e dyt\u00eb.<\/p>\n
Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, zbatimi i k\u00ebtyre kufijve do t\u00eb mund\u00ebsoj\u00eb uljen e rrezikut t\u00eb d\u00ebshtimit t\u00eb huamarr\u00ebsve dhe pak\u00ebsimin e humbjeve bankare t\u00eb lidhura me k\u00ebto kredi, si pasoj\u00eb e zhvillimeve eventuale t\u00eb pafavorshme n\u00eb \u00e7mimet e pronave t\u00eb paluajtshme ose n\u00eb kuadrin makroekonomik t\u00eb vendit.<\/p>\n
N\u00eb fakt, kritere t\u00eb ngjashme jan\u00eb aplikuar gjithmon\u00eb nga bankat n\u00eb politikat e tyre t\u00eb brendshme, por megjithat\u00eb n\u00eb vitet e fundit \u00ebsht\u00eb v\u00ebrejtur nj\u00eb rritje e rasteve kur bankat kan\u00eb ofruar kredi n\u00eb tejkalim t\u00eb kufijve t\u00eb m\u00ebsip\u00ebrm.\/Monitor.al<\/p>\n
The post Masat kufizuese nuk e frenuan rritjen e kredis\u00eb p\u00ebr sht\u00ebpi<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Kredia p\u00ebr sht\u00ebpi ka vazhduar rritjen gjat\u00eb tremujorit t\u00eb tret\u00eb t\u00eb vitit, pavar\u00ebsisht nisjes s\u00eb aplikimit t\u00eb masave kufizuese t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Statistikat e Bank\u00ebs Qendrore tregojn\u00eb se n\u00eb tremujorin e tret\u00eb, sektori bankar dha gjithsej rreht 13.8 miliard\u00eb lek\u00eb kredi t\u00eb re p\u00ebr blerjen e banesave, me nj\u00eb rritje prej 16% krahasuar me […]<\/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-50176","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/50176","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=50176"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/50176\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=50176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=50176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=50176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}