{"id":121414,"date":"2020-02-06T14:01:10","date_gmt":"2020-02-06T13:01:10","guid":{"rendered":"https:\/\/zjarr.tv\/?p=121414"},"modified":"2020-02-06T14:01:10","modified_gmt":"2020-02-06T13:01:10","slug":"aplikimi-per-kredite-e-buta-nis-ne-15-shkurt-zbardhen-kriteret","status":"publish","type":"post","link":"https:\/\/zjarr.tv\/en\/aplikimi-per-kredite-e-buta-nis-ne-15-shkurt-zbardhen-kriteret\/","title":{"rendered":"Aplikimi p\u00ebr kredit\u00eb e buta nis n\u00eb 15 shkurt. Zbardhen kriteret"},"content":{"rendered":"

N\u00eb dat\u00ebn 15 shkurt t\u00eb k\u00ebtij viti do t\u00eb nisin aplikimet p\u00ebr 1000 banesa me kredi t\u00eb but\u00eb q\u00eb do t\u00eb jepen nga Bashkia e Tiran\u00ebs p\u00ebr qytetar\u00ebt, q\u00eb nuk kan\u00eb mund\u00ebsi t\u00eb blejn\u00eb nj\u00eb sht\u00ebpi sipas normave t\u00eb tregut. Qytetar\u00ebt n\u00eb hapjen e k\u00ebsaj thirrjeje t\u00eb tret\u00eb t\u00eb programit, do t\u00eb ken\u00eb mund\u00ebsi t\u00eb zgjedhin mes 3 bankave. N\u00eb mbledhjen e djeshme t\u00eb K\u00ebshillit Bashkiak t\u00eb Tiran\u00ebs, \u00ebsht\u00eb miratuar vendimi p\u00ebr programi e subvencionimit t\u00eb interesave t\u00eb kredive, ku kryebashkiaku Erion Veliaj b\u00ebri me dije se cilat do t\u00eb jen\u00eb kriteret favorizuese p\u00ebr t\u00eb interesuarit. Nd\u00ebrkoh\u00eb \u201cGazeta shqiptare\u201d zbardh sot vendimin e k\u00ebshillit bashkiak si dhe kriteret e pik\u00ebzimit ku p\u00ebrfshihen kushtet familjare, sociale, ekonomike dhe kushtet e strehimit. \u201cProjekti m\u00eb i r\u00ebnd\u00ebsish\u00ebm besoj p\u00ebr sot ka t\u00eb b\u00ebj\u00eb me hapjen e aplikimeve p\u00ebr sa u p\u00ebrket kredive t\u00eb buta. Do t\u00eb vazhdojm\u00eb edhe k\u00ebt\u00eb vit n\u00eb bashk\u00ebpunim me Ministrin\u00eb e Financave dhe Ekonomis\u00eb dhe Entin e Banesave, q\u00eb ne t\u00eb hapim aplikimet. Sot (dje) \u00ebsht\u00eb data 5, duhen 10 dit\u00eb q\u00eb t\u00eb zbardhet vendimi, k\u00ebshtu q\u00eb n\u00eb dat\u00ebn 15 ne zyrtarisht do t\u00eb fillojm\u00eb t\u00eb marrim aplikimet p\u00ebr 1000 familje t\u00eb reja n\u00eb Tiran\u00eb. Qeveria e Shqip\u00ebris\u00eb dhe ministria ka p\u00ebrcaktuar 3 banka: \u2018Raiffeisen\u2019, \u2018BKT\u2019 dhe \u2018Intesa Sanpaolo\u2019. Si tri bankat q\u00eb mund t\u00eb procesojn\u00eb apelimet, pra qytetar\u00ebt do t\u00eb mund t\u00eb zgjedhin secil\u00ebn prej bankave. Si\u00e7 e dini, k\u00ebstet jan\u00eb fikse, nd\u00ebrkoh\u00eb q\u00eb bashkia dhe qeveria do t\u00eb paguajn\u00eb dhe do t\u00eb amortizojn\u00eb normat e interesit, duke u dh\u00ebn\u00eb garanci \u00e7ifteve t\u00eb reja sidomos. T\u00eb rinj deri n\u00eb 35 vje\u00e7. Pra ku shuma e t\u00eb dy an\u00ebtar\u00ebve t\u00eb familjes nuk e kalon mosh\u00ebn ose nuk e kalon shum\u00ebn 70 vje\u00e7. Individ\u00eb familjeje t\u00eb minoritetit rom dhe egjiptian, q\u00eb duam t\u2019i fuqizojm\u00eb ose gra q\u00eb jan\u00eb kryefamiljare apo gra q\u00eb jan\u00eb dhunuar dhe kan\u00eb nj\u00eb urdh\u00ebr mbrojtjeje dhe qoft\u00eb edhe p\u00ebr k\u00ebt\u00eb situat\u00eb sociale, k\u00ebrkojn\u00eb t\u00eb ken\u00eb nj\u00eb sht\u00ebpi m\u00eb vete, sigurisht q\u00eb marrin pik\u00eb m\u00eb t\u00eb avantazhuara dhe besoj q\u00eb t\u00eb gjitha detajet i keni n\u00eb relacion. Besoj q\u00eb do jet\u00eb nj\u00eb vit i mbar\u00eb, jo vet\u00ebm p\u00ebr t\u00eb kujtuar 100-vjetorin e Tiran\u00ebs, por edhe p\u00ebr t\u00eb futur 1000 familje t\u00eb reja n\u00eb sht\u00ebpi t\u00eb reja n\u00eb Tiran\u00eb\u201d, deklaroi Veliaj.<\/p>\n

Kushtet<\/strong><\/p>\n

Programi i subvencionimit t\u00eb interesave t\u00eb kredive do t\u00eb targetoj\u00eb familje\/individ\u00eb q\u00eb nuk disponojn\u00eb banes\u00eb n\u00eb pron\u00ebsi, e ku p\u00ebrpar\u00ebsi n\u00eb p\u00ebrzgjedhje kan\u00eb \u00e7iftet e reja dhe t\u00eb rinj me mosh\u00eb deri n\u00eb 35 vje\u00e7; individ\u00eb\/familje t\u00eb minoritetit rom dhe egjiptian si dhe gra kryefamiljare ose gra t\u00eb dhunuara. Gjithsesi, n\u00eb kriteret e miratuara dje nga Bashkia e Tiran\u00ebs nuk do t\u00eb p\u00ebrjashtohen as ata individ\u00eb a familje q\u00eb nuk b\u00ebjn\u00eb pjes\u00eb n\u00eb k\u00ebto familje. \u00c7do individ\/familje mund t\u2019i drejtohet t\u00eb tria bankave p\u00ebr t\u00eb marr\u00eb ofert\u00ebn q\u00eb i p\u00ebrshtatet m\u00eb mir\u00eb kushteve t\u00eb tij\/saj dhe n\u00eb pas t\u00eb vijoj\u00eb me bank\u00ebn q\u00eb p\u00ebrzgjedh vet\u00eb. Kontrata e kredis\u00eb q\u00eb do t\u00eb lidh\u00eb qytetari do t\u00eb jet\u00eb me interes fiks p\u00ebr pjes\u00ebn q\u00eb i takon qytetarit deri n\u00eb 3 %, nd\u00ebrsa luhatjet mbi k\u00ebt\u00eb norm\u00eb interesi jan\u00eb n\u00eb ngarkim t\u00eb buxhetit t\u00eb shtetit. Kontrata e kredis\u00eb do t\u00eb jet\u00eb n\u00eb var\u00ebsi t\u00eb mosh\u00ebs s\u00eb aplikantit dhe do t\u00eb p\u00ebrcaktohet rast pas rasti nga bankat. Konkretisht, Banka Komb\u00ebtare Tregtare do t\u00eb ofroj\u00eb afatin maksimal t\u00eb kredis\u00eb p\u00ebr nj\u00eb periudh\u00eb 420 muaj dhe bankat \u2018Intesa San Paolo\u2019 dhe \u2018Raiffeisen\u2019, p\u00ebr nj\u00eb periudh\u00eb 360 muaj.<\/p>\n

Fazat e aplikimit<\/strong><\/p>\n

Aplikimi p\u00ebr t\u00eb p\u00ebrfituar nga programi i subvencionimit t\u00eb interesave t\u00eb kredis\u00eb, i financuar me fondet e buxhetit t\u00eb shtetit do t\u00eb b\u00ebhet me dy faza. N\u00eb faz\u00ebn e par\u00eb aplikant\u00ebt paraqesin k\u00ebrkes\u00ebn e tyre p\u00ebr t\u00eb p\u00ebrfituar nga ky program. N\u00eb faz\u00ebn e dyt\u00eb t\u00eb aplikimit p\u00ebrfshihen vet\u00ebm ata\/o individ\u00eb\/ familje q\u00eb plot\u00ebsojn\u00eb kushtet p\u00ebr t\u2019u trajtuar me k\u00ebt\u00eb program. T\u00eb drejt\u00ebn p\u00ebr aplikim p\u00ebr p\u00ebrfitimin nga programi social i strehimit \u201cSubvencionimi i interesave t\u00eb kredis\u00eb\u201d, i financuar me fondet e buxhetit t\u00eb shtetit, e kan\u00eb individ\u00ebt q\u00eb kan\u00eb mbushur mosh\u00ebn 18 vje\u00e7, kujdestar\u00ebt ligjor\u00eb p\u00ebr rastet e personave t\u00eb vendosur n\u00eb kujdestari ligjore, p\u00ebr shkak t\u00eb heqjes apo kufizimit t\u00eb zot\u00ebsis\u00eb p\u00ebr t\u00eb vepruar dhe familjet q\u00eb jan\u00eb t\u00eb regjistruara n\u00eb zyrat e gjendjes civile t\u00eb Bashkis\u00eb Tiran\u00eb, t\u00eb cilat, n\u00eb momentin e aplikimit, plot\u00ebsojn\u00eb kushtet. Individ\u00ebt apo familjet q\u00eb kan\u00eb kaluar faz\u00ebn e par\u00eb, kan\u00eb 30 dit\u00eb koh\u00eb p\u00ebr t\u00eb dor\u00ebzuar dokumentacionin e parashikuar n\u00eb ligj. P\u00ebrve\u00e7 shtimit t\u00eb numrit t\u00eb bankave q\u00eb do t\u00eb ofrojn\u00eb k\u00ebt\u00eb sh\u00ebrbim , Bashkia e Tiran\u00ebs ka leht\u00ebsuar edhe procedur\u00ebn duke leht\u00ebsuar plot\u00ebsimin e dokumentacionit. Tashm\u00eb do t\u00eb jet\u00eb institucioni q\u00eb do t\u00eb merret me plot\u00ebsimin e dosjes. K\u00ebshtu, familjet p\u00ebrfituese pas marrjes s\u00eb njoftimit nga Drejtoria e Strehimit, depozitojn\u00eb pran\u00eb Nj\u00ebsis\u00eb Administrative deklarat\u00ebn e p\u00eblqimit p\u00ebr mbledhjen e informacioneve\/dokumenteve t\u00eb lidhura me t\u00eb. Nj\u00ebsia Administrative\/Lagjja plot\u00ebson dosjen me t\u00eb gjith\u00eb dokumentacionin e nevojsh\u00ebm, duke p\u00ebrfshir\u00eb edhe dokumentacionin q\u00eb sipas akteve n\u00eb fuqi duhet t\u00eb depozitohen kryesisht nga aplikanti dhe ia p\u00ebrcjell ato n\u00eb Bashkin\u00eb Tiran\u00eb, pran\u00eb Drejtoris\u00eb s\u00eb P\u00ebrgjithshme t\u00eb Sh\u00ebrbimit Social. N\u00eb t\u00eb kund\u00ebrt, n\u00ebse aplikanti\/familjet nuk dor\u00ebzojn\u00eb apo refuzojn\u00eb t\u00eb firmosin deklarat\u00ebn e parashikuar si m\u00eb lart, Nj\u00ebsit\u00eb Administrative\/ Lagjet shkarkohen nga detyrimi i mbledhjes s\u00eb dokumentacionit dhe ky detyrim i kalon vet\u00eb aplikantit. N\u00eb k\u00ebt\u00eb rast, individ\u00ebt do t\u00eb dor\u00ebzojn\u00eb pran\u00eb Zyr\u00ebs s\u00eb Pritjes me Qytetarin n\u00eb Bashkin\u00eb Tiran\u00eb t\u00eb gjith\u00eb dokumentacionin e nevojsh\u00ebm q\u00eb v\u00ebrteton deklarimin dhe v\u00ebrtet\u00ebsin\u00eb e plot\u00ebsimit t\u00eb formularit t\u00eb strehimit n\u00eb baz\u00eb t\u00eb t\u00eb cilit jan\u00eb p\u00ebrzgjedhur fitues.<\/p>\n

T\u00eb ardhurat maksimale dhe minimale<\/strong><\/p>\n

\u201cGazeta Shqiptare\u201d zbardh sot edhe tabelat me nivelin maksimal t\u00eb t\u00eb ardhurave t\u00eb familjeve, sipas struktur\u00ebs s\u00eb apartamentit q\u00eb ato p\u00ebrfitojn\u00eb. Mosplot\u00ebsimi i kushteve t\u00eb m\u00ebsip\u00ebrme p\u00ebrb\u00ebn kriter s\u2019kualifikues. Koh\u00ebzgjatja maksimale e kredis\u00eb \u00ebsht\u00eb n\u00eb vart\u00ebsi t\u00eb mosh\u00ebs s\u00eb aplikantit dhe p\u00ebrcaktohet rast pas rasti nga banka q\u00eb do t\u00eb p\u00ebrzgjedh\u00eb subjekti. Numri i p\u00ebrgjithsh\u00ebm i p\u00ebrfituesve t\u00eb cil\u00ebt do t\u00eb mb\u00ebshteten financiarisht nuk do t\u00eb tejkaloj\u00eb 1000 familje, kjo bazuar n\u00eb shkres\u00ebn me nr. Prot. 18627, dat\u00eb 17.10.2019, t\u00eb Ministris\u00eb s\u00eb Financave dhe Ekonomis\u00eb.<\/p>\n

Pik\u00ebzimi<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/td>\nKRITERET E PIK\u00cbZIMIT<\/td>\nPik\u00ebt<\/td>\n<\/tr>\n
1.1<\/strong><\/td>\nKUSHTET E STREHIMIT<\/strong><\/td>\n18<\/td>\n<\/tr>\n
A<\/td>\nNuk disponon apartament n\u00eb pron\u00ebsi<\/td>\n4<\/td>\n<\/tr>\n
B<\/td>\nBanojn\u00eb n\u00eb banesa n\u00eb rrezik shembjeje, kan\u00eb mbetur ose rrezikojn\u00eb t\u00eb mbeten t\u00eb pastreha, si rezultat i fatkeq\u00ebsive natyrore<\/td>\n2<\/td>\n<\/tr>\n
C<\/td>\nBanojn\u00eb n\u00eb banesa t\u00eb mbipopulluara, sipas p\u00ebrcaktimeve dhe normave n\u00eb fuqi.<\/td>\n2<\/td>\n<\/tr>\n
\u00c7<\/td>\nFamiljet ose individ\u00ebt q\u00eb humbasin banes\u00ebn e tyre, si pasoj\u00eb e zhvendosjes ose zbatimit t\u00eb nj\u00eb vendimi gjyq\u00ebsor<\/td>\n4<\/td>\n<\/tr>\n
D<\/td>\nBanojn\u00eb n\u00eb banesa q\u00eb prishen ose p\u00ebrjashtohen nga procesi i legalizimit, si rezultat i investimeve publike.<\/td>\n6<\/td>\n<\/tr>\n
1.2<\/strong><\/td>\nKUSHTET FAMILJARE<\/strong><\/td>\n30<\/td>\n<\/tr>\n
A<\/td>\nFamilje nj\u00eb prind\u00ebrore q\u00eb kan\u00eb n\u00eb ngarkim f\u00ebmij\u00eb ku p\u00ebrfshihen dhe vajzat n\u00ebna<\/td>\n6<\/td>\n<\/tr>\n
B<\/td>\nP\u00ebrb\u00ebhen nga familje q\u00eb kan\u00eb n\u00eb ngarkim persona me aft\u00ebsi t\u00eb kufizuar apo persona n\u00eb pension .<\/td>\n5<\/td>\n<\/tr>\n
C<\/td>\nFamiljet me m\u00eb shum\u00eb se kat\u00ebr f\u00ebmij\u00eb<\/td>\n4<\/td>\n<\/tr>\n
\u00c7<\/td>\nCifte t\u00eb reja\/t\u00eb rinj me mosh\u00eb jo m\u00eb t\u00eb madhe se 35 vje\u00e7Familje te reja ku \u00e7ifti bashk\u00ebshort\u00ebve ka mosh\u00eb t\u00eb p\u00ebrbashk\u00ebt totale deri 70 vje\u00e7.<\/td>\n15<\/td>\n<\/tr>\n
1.3<\/strong><\/td>\nKUSHTET SOCIALE<\/strong><\/td>\n40<\/td>\n<\/tr>\n
A<\/td>\nKa statusin e jetimit dhe mosh\u00eb deri n\u00eb 30 vje\u00e7<\/td>\n6<\/td>\n<\/tr>\n
B<\/td>\nKa mbetur i pastreh\u00eb p\u00ebr shkak t\u00eb lirimit t\u00eb banes\u00ebs ish-pronar\u00ebve<\/td>\n5<\/td>\n<\/tr>\n
C<\/td>\nEmigrant i rikthyer\/pun\u00ebtor emigrant \/Azilkerkues<\/td>\n1<\/td>\n<\/tr>\n
\u00c7<\/td>\nFamilje e punonj\u00ebsit t\u00eb Policis\u00eb s\u00eb Shtetit t\u00eb r\u00ebn\u00eb n\u00eb detyr\u00eb<\/td>\n4<\/td>\n<\/tr>\n
D<\/td>\nPunonj\u00ebs i Repartit t\u00eb Nd\u00ebrhyrjes s\u00eb Shpejt\u00eb (FNSH)\/Punonj\u00ebs i RENEA-s \/Punonj\u00ebs i Sh\u00ebrbimit t\u00eb Mbrojtjes nga Zjarri dhe Shp\u00ebtimi\u2026<\/td>\n2<\/td>\n<\/tr>\n
DH<\/td>\nViktim\u00eb e dhun\u00ebs n\u00eb familje\/Viktim\u00eb e trafikimit\/viktimat e mundshme te trafikimit<\/td>\n8<\/td>\n<\/tr>\n
E<\/td>\nAn\u00ebtar i minoritetit rom \/egjiptian<\/td>\n8<\/td>\n<\/tr>\n
F<\/td>\nI mitur n\u00eb konflikt me ligjin<\/td>\n1<\/td>\n<\/tr>\n
G<\/td>\nKomuniteti LGBTI<\/td>\n3<\/td>\n<\/tr>\n
GJ<\/td>\nAn\u00ebtar i familjes q\u00eb trajtohet me ndihm\u00eb ekonomike<\/td>\n2<\/td>\n<\/tr>\n
1.4<\/strong><\/td>\nKUSHTET EKONOMIKE<\/strong><\/td>\n12<\/td>\n<\/tr>\n
A<\/td>\nT\u00eb ardhura n\u00ebn 70% t\u00eb t\u00eb ardhurave mesatare<\/td>\n5<\/td>\n<\/tr>\n
B<\/td>\nT\u00eb ardhura deri 70% \u2013 100% t\u00eb t\u00eb ardhurave mesatare<\/td>\n4<\/td>\n<\/tr>\n
C<\/td>\nT\u00eb ardhura 100%- 120% t\u00eb t\u00eb ardhurave mesatare<\/td>\n3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

T\u00eb ardhurat e familjeve<\/strong><\/p>\n

 <\/p>\n\n\n\n\n\n\n\n
Struktura familjare<\/td>\nStruktura apartamentit<\/td>\nKufiri maximal i kredis\u00eb\/familje<\/td>\nShpenzimet INSTAT 2017 referuar shkres\u00ebs s\u00eb MF<\/td>\nNiveli Maximal i t\u00eb ardhurave\u00a0 sipas shkronj\u00ebs a t\u00eb pik\u00eb 45 neni 2 ligji 22\/2018<\/td>\nNiveli minimal i t\u00eb ardhurave<\/td>\n<\/tr>\n
1- 2<\/td>\nGarsonier<\/td>\n4,456,850<\/td>\n76.898<\/td>\n92.277<\/td>\n31,317<\/td>\n<\/tr>\n
3<\/td>\n1+1<\/td>\n5,348,220<\/td>\n92.130<\/td>\n110.556<\/td>\n37,581<\/td>\n<\/tr>\n
4<\/td>\n2+1<\/td>\n6,239,590<\/td>\n95.295<\/td>\n114.354<\/td>\n43,844<\/td>\n<\/tr>\n
5 \u2013 6<\/td>\n3+1<\/td>\n7,576,645<\/td>\n94.918<\/td>\n113.901<\/td>\n53,239<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/div>","protected":false},"excerpt":{"rendered":"

N\u00eb dat\u00ebn 15 shkurt t\u00eb k\u00ebtij viti do t\u00eb nisin aplikimet p\u00ebr 1000 banesa me kredi t\u00eb but\u00eb q\u00eb do t\u00eb jepen nga Bashkia e Tiran\u00ebs p\u00ebr qytetar\u00ebt, q\u00eb nuk kan\u00eb mund\u00ebsi t\u00eb blejn\u00eb nj\u00eb sht\u00ebpi sipas normave t\u00eb tregut. Qytetar\u00ebt n\u00eb hapjen e k\u00ebsaj thirrjeje t\u00eb tret\u00eb t\u00eb programit, do t\u00eb ken\u00eb mund\u00ebsi t\u00eb […]<\/p>\n","protected":false},"author":2013,"featured_media":121415,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,235],"tags":[],"class_list":{"0":"post-121414","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-vendi"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/121414","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/users\/2013"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=121414"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/121414\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/121415"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=121414"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=121414"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=121414"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}