Kredia p\u00ebr sht\u00ebpi u rrit p\u00ebr t\u00eb pestin vit radhazi n\u00eb 2024. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se kredia e re p\u00ebr blerje banesash arriti rekordin e ri historik prej 54.9 miliard\u00eb lek\u00ebsh ose rreth 545 milion\u00eb eurosh, t\u00eb llogaritura me kursin mesatar t\u00eb vitit t\u00eb kaluar. Kredia e re p\u00ebr banesa u rrit me 13% krahasuar me vitin 2023.<\/p>\n
Vlera e portofolit aktiv ose tepric\u00ebs s\u00eb kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb fund t\u00eb vitit 2024 arriti n\u00eb pothuajse 208.7 miliard\u00eb lek\u00eb, me nj\u00eb rritje vjetore prej 15.5%. Ritmet e rritjes t\u00eb portofolit t\u00eb kredis\u00eb jan\u00eb rritur ndjesh\u00ebm krahasuar me nivelin prej 6.3% t\u00eb vitit t\u00eb m\u00ebparsh\u00ebm.<\/p>\n
Normat e ul\u00ebta t\u00eb interesit kan\u00eb b\u00ebr\u00eb q\u00eb kredia p\u00ebr sht\u00ebpi n\u00eb dy vitet e fundit t\u00eb dominohen nga monedha vendase. Kjo tendenc\u00eb u thelluar edhe m\u00eb shum\u00eb n\u00eb 2024. Kredia e re p\u00ebr sht\u00ebpi n\u00eb lek\u00eb vitin e kaluar arriti n\u00eb 40.9 miliard\u00eb lek\u00eb, n\u00eb rritje me 35% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Kredia n\u00eb monedh\u00ebn vendase p\u00ebrb\u00ebnte m\u00eb shum\u00eb se 74% t\u00eb vler\u00ebs s\u00eb re t\u00eb disbursuar n\u00eb kredi p\u00ebr sht\u00ebpi.<\/p>\n
Kredia n\u00eb euro p\u00ebsoi nj\u00eb r\u00ebnie t\u00eb m\u00ebtejshme n\u00eb 14 miliard\u00eb lek\u00eb, 24% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb. Pjes\u00ebrisht, r\u00ebnia e kredis\u00eb n\u00eb euro \u00ebsht\u00eb ndikuar edhe nga efekti negativ i kursit t\u00eb t\u00eb k\u00ebmbimit dhe vazhdimi i mbi\u00e7mimit t\u00eb lekut.<\/p>\n
T\u00eb dh\u00ebnat tregojn\u00eb se kredia p\u00ebr sht\u00ebpi ka sh\u00ebnuar nj\u00eb rritje t\u00eb fort\u00eb n\u00eb vitet pas pandemis\u00eb. N\u00eb periudh\u00ebn kohore 2021-2024, sektori bankar ka dh\u00ebn\u00eb m\u00eb shum\u00eb se 189 miliard\u00eb lek\u00eb kredi t\u00eb reja p\u00ebr blerjen e banesave nga familjet shqiptare. Kjo shum\u00eb \u00ebsht\u00eb dy her\u00eb m\u00eb e lart\u00eb krahasuar me kat\u00ebrvje\u00e7arin e m\u00ebparsh\u00ebm, 2017-2020.<\/p>\n
Rritja e mb\u00ebshtetjes me sektori bankar me kredi duket se \u00ebsht\u00eb nj\u00eb faktor q\u00eb ka patur nj\u00eb pesh\u00eb t\u00eb konsiderueshme n\u00eb k\u00ebrkes\u00ebn p\u00ebr pasuri t\u00eb paluajtshme dhe n\u00eb rritjen e \u00e7mimit t\u00eb pronave pas pandemis\u00eb.<\/p>\n
Normat e ul\u00ebta t\u00eb interesit e kan\u00eb b\u00ebr\u00eb kredin\u00eb p\u00ebr sht\u00ebpi t\u00ebrheq\u00ebse p\u00ebr huamarr\u00ebsit, nd\u00ebrsa paralelisht cikli i rritjes s\u00eb \u00e7mimeve t\u00eb pasurive t\u00eb paluajtshme n\u00eb vitet e fundit ka rritur edhe k\u00ebrkes\u00ebn p\u00ebr kredi p\u00ebr sht\u00ebpi nga familjet, duke shtuar perceptimin se blerja e nj\u00eb prone \u00ebsht\u00eb nj\u00eb investim i mir\u00eb p\u00ebr t\u00eb ardhmen.<\/p>\n
Nga ana tjet\u00ebr, rritja e \u00e7mimeve ka ndikuar n\u00eb vlera m\u00eb t\u00eb m\u00ebdha t\u00eb kredive t\u00eb marra nga individ\u00ebt p\u00ebr t\u00eb bler\u00eb banesa, duke kontribuar ndjesh\u00ebm edhe n\u00eb rritjen e volumeve t\u00eb p\u00ebrgjithshme t\u00eb k\u00ebtij produkti.<\/p>\n
Megjithat\u00eb, rritja e shpejt\u00eb e kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme p\u00ebr individ\u00ebt dhe bizneset ka krijuar shqet\u00ebsim te Banka e Shqip\u00ebris\u00eb. Vitin e kaluar, Banka Qendrore aplikoi p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb shtes\u00eb kund\u00ebrciklike t\u00eb raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit t\u00eb sektorit bankar, q\u00eb ka si q\u00ebllim ngadal\u00ebsimin e rritjes s\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb.\/ Monitor<\/p>\n
The post Kredia p\u00ebr sht\u00ebpi arrin rekord t\u00eb ri, dhan\u00eb 545 milion\u00eb euro n\u00eb 2024<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Kredia p\u00ebr sht\u00ebpi u rrit p\u00ebr t\u00eb pestin vit radhazi n\u00eb 2024. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se kredia e re p\u00ebr blerje banesash arriti rekordin e ri historik prej 54.9 miliard\u00eb lek\u00ebsh ose rreth 545 milion\u00eb eurosh, t\u00eb llogaritura me kursin mesatar t\u00eb vitit t\u00eb kaluar. Kredia e re p\u00ebr banesa u […]<\/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-6277","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/6277","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=6277"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/6277\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=6277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=6277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=6277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}