Normat mesatare t\u00eb interesit p\u00ebr kredit\u00eb konsumatore p\u00ebsuan r\u00ebnie t\u00eb m\u00ebtejshme n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb vitit t\u00eb kaluar.<\/p>\n
Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, norma mesatare efektive e interesit p\u00ebr kredit\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb zbriti n\u00eb 70.91%, nga 71.39% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e m\u00ebparsh\u00ebm dhe 89.22% dhe 74.78% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e dyt\u00eb 2023.<\/p>\n
P\u00ebr paradh\u00ebniet bankare (overdraftet) deri n\u00eb 200 mij\u00eb lek\u00eb norma efektive mesatare sh\u00ebnoi r\u00ebnie n\u00eb 13.9%, nga 14.04% q\u00eb ishte n\u00eb gjasht\u00ebmujorin e par\u00eb dhe 13.93% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e dyt\u00eb t\u00eb vitit 2023.<\/p>\n
Nd\u00ebrkoh\u00eb, p\u00ebr kartat e kreditit deri n\u00eb 200 mij\u00eb lek\u00eb, interesi mesatar u rrit n\u00eb 20.47%, nga 19.7% q\u00eb ishte n\u00eb gjasht\u00ebmujorin e par\u00eb t\u00eb vitit, por ishte n\u00eb r\u00ebnie t\u00eb leht\u00eb nga niveli prej 20.54% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e dyt\u00eb t\u00eb vitit 2023.<\/p>\n
Edhe p\u00ebr kredit\u00eb me k\u00ebste me vler\u00eb nga 200 mij\u00eb deri n\u00eb 600 mij\u00eb lek\u00eb, norma mesatare efektive e interesit ra n\u00eb 27.42%, nga 28.07% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e par\u00eb t\u00eb vitit.<\/p>\n
P\u00ebr kredit\u00eb me sshum\u00eb nga 600 mij\u00eb deri n\u00eb 2 milion\u00eb lek\u00eb norma mesatare e interesit zbriti n\u00eb 11%, nga 11.68% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e par\u00eb.<\/p>\n
Normat e m\u00ebsip\u00ebrme t\u00eb interesit jan\u00eb llogaritur mbi t\u00eb gjitha kredit\u00eb konsumatore t\u00eb dh\u00ebna nga bankat dhe institucionet financiare jobanka, bazuara n\u00eb t\u00eb dh\u00ebnat faktike q\u00eb pasqyrohen n\u00eb Regjistrin e Kredive t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Norma mesatare efektive e interesit nuk n\u00ebnkupton vet\u00ebm norm\u00ebn nominale t\u00eb interesit t\u00eb kredi\u00eb, por t\u00eb gjitha kostot q\u00eb i ngarkohen klientit p\u00ebr kredin\u00eb, duke p\u00ebrfshir\u00eb edhe komisionet apo tarifat e tjera.<\/p>\n
Llogaritja e norm\u00ebs mesatare efektive t\u00eb interesit sh\u00ebrben si baz\u00eb p\u00ebr t\u00eb llogaritur m\u00eb tej norm\u00ebn maksimale efektive t\u00eb interesit p\u00ebr kredit\u00eb konsumatore (NEI maksimal)<\/p>\n
R\u00ebnia e norm\u00ebs efektive mesatare t\u00eb interesit p\u00ebrputhet n\u00eb p\u00ebrgjith\u00ebsi me nj\u00eb tendenc\u00eb n\u00eb r\u00ebnie t\u00eb interesave n\u00eb tregun financiar gjat\u00eb vitit t\u00eb kaluar. Kjo u p\u00ebrcaktua nga ulja e norm\u00ebs baz\u00eb t\u00eb interesit nga Banka e Shqip\u00ebris\u00eb, por edhe nga gjendja e lart\u00eb e likuiditetit n\u00eb treg. Gjithashtu, r\u00ebnia e normave t\u00eb interesit mund t\u00eb shpjegohet edhe me nj\u00eb konkurrenc\u00eb t\u00eb lart\u00eb n\u00eb tregun e kredis\u00eb konsumatore.<\/p>\n
Edhe aplikimi i nj\u00eb norme maksimale efektive t\u00eb interesit nga Banka e Shqip\u00ebris\u00eb duket se ka sh\u00ebrbyer si faktor q\u00eb i ka zhvendosur n\u00eb ulje interesat mesatare t\u00eb kredive. Q\u00eb prej fillimit t\u00eb vitit 2022, kur nisi aplikimi i norm\u00ebs tavan t\u00eb interesit, ky tregues ka l\u00ebvizur vazhdimisht n\u00eb r\u00ebnie p\u00ebr kredit\u00eb e vogla me k\u00ebste deri n\u00eb 200 mij\u00eb lek\u00eb.<\/p>\n
Nd\u00ebrkoh\u00eb, duke filluar nga viti 2024, edhe formula e llogaritjes s\u00eb NEI-t maksimal ka ndryshuar dhe p\u00ebr kredit\u00eb deri n\u00eb shum\u00ebn 200 mij\u00eb lek\u00eb do t\u00eb llogaritet si mesatare e thjesht\u00eb e kredive t\u00eb dh\u00ebna, pa rritje me nj\u00eb t\u00eb tret\u00ebn, si\u00e7 ndodh me kredit\u00eb mbi 200 mij\u00eb lek\u00eb.\/ Monitor<\/p>\n
The post Interesat e kredis\u00eb konsumatore ran\u00eb n\u00eb 6-mujorin e dyt\u00eb t\u00eb vitit 2024<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Normat mesatare t\u00eb interesit p\u00ebr kredit\u00eb konsumatore p\u00ebsuan r\u00ebnie t\u00eb m\u00ebtejshme n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb vitit t\u00eb kaluar. Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, norma mesatare efektive e interesit p\u00ebr kredit\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb zbriti n\u00eb 70.91%, nga 71.39% q\u00eb kishte qen\u00eb n\u00eb gjasht\u00ebmujorin e m\u00ebparsh\u00ebm dhe 89.22% dhe 74.78% q\u00eb […]<\/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-8284","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/8284","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=8284"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/8284\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=8284"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=8284"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=8284"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}