Blerja e nj\u00eb sht\u00ebpie sidomos n\u00eb Tiran\u00eb, apo n\u00eb qendrat e qyteteve kryesore t\u00eb vendit, \u00ebsht\u00eb investimi m\u00eb i madh dhe i r\u00ebnd\u00ebsish\u00ebm n\u00eb jet\u00ebn e nj\u00eb individi, sepse vlera q\u00eb do shpenzohet nga financat e tij apo familjes, \u00ebsht\u00eb e konsiderueshme dhe merr pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb kursimeve, apo t\u00eb t\u00eb ardhurave mujore p\u00ebr disa vite (15-20 vjet) n\u00eb rastin e marrjes me kredi.<\/p>\n
Emigrant\u00ebt q\u00eb vijn\u00eb p\u00ebr t\u00eb jetuar n\u00eb Shqip\u00ebri, pas shum\u00eb vitesh jasht\u00eb vendit p\u00ebrdorin kursimet e tyre nga puna jasht\u00eb vendit, kurse rezidentet migrues marrin kredi n\u00eb shtes\u00eb t\u00eb vler\u00ebs q\u00eb shesin banes\u00ebn apo \u00e7do pron\u00eb tjet\u00ebr n\u00eb vendin nga i cili migrojn\u00eb. Duke qen\u00eb se \u00e7mimet e apartamenteve n\u00eb Tiran\u00eb dhe zonat urbane rriten \u00e7do vit, blerja e nj\u00eb apartamenti b\u00ebhet sfide, sepse i shtohet dhe presioni i koh\u00ebs p\u00ebr t\u00eb mos mbartur edhe kostot e rritjes s\u00eb \u00e7mimeve t\u00eb tyre. Dhe n\u00eb k\u00ebto raste, nj\u00eb mjet ndihmues \u00ebsht\u00eb kredia bankare. Kredit\u00eb p\u00ebr sht\u00ebpi jan\u00eb produkti q\u00eb edhe bankat reklamojn\u00eb dhe ofrojn\u00eb m\u00eb s\u00eb shumti. Por ka disa detaje, t\u00eb cilave nuk u vem\u00eb shum\u00eb r\u00ebnd\u00ebsi, po q\u00eb n\u00eb thelb jan\u00eb jetike p\u00ebr secilin nga ne sikurse \u00ebsht\u00eb \u201cSigurimi i Sht\u00ebpis\u00eb<\/strong>\u201d dhe t\u00eb kuptuarit sakt\u00eb se \u00e7far\u00eb mbulon dhe d\u00ebmshp\u00ebrblen n\u00eb rast d\u00ebmtimi nga shkaqe t\u00eb ndryshme qe citohen respektivisht n\u00eb polic\u00ebn e sigurimit. Shum\u00eb e r\u00ebnd\u00ebsishme \u00ebsht\u00eb t\u00eb kuptohet diferenca e \u201cSigurimit t\u00eb apartamentit me p\u00ebrfitues Bank\u00ebn n\u00eb vler\u00ebn e kredis\u00eb q\u00eb merret p\u00ebr blerjen e tij\u201d<\/strong> dhe \u201cSigurimit t\u00eb apartamentit p\u00ebr vleren reale t\u00eb tij\u201d.<\/strong><\/p>\n \u00a0<\/strong>Pse? <\/strong>\u201cSigurimit t\u00eb apartamentit me p\u00ebrfitues Bank\u00ebn n\u00eb vler\u00ebn e kredis\u00eb q\u00eb merret p\u00ebr blerjen e tij\u201d. Me pak fjal\u00eb, Banka ka siguruar kredin\u00eb, \u00e7ka do t\u00eb thot\u00eb, n\u00eb rast se sht\u00ebpia, kolateral garancie p\u00ebr pagimin e kredis\u00eb, d\u00ebmtohet at\u00ebher\u00eb kompania e sigurimit ka vet\u00ebm detyrim ti paguaj bank\u00ebs kredin\u00eb tuaj.\u00a0 Ju nuk keni m\u00eb borxh financiar ndaj bank\u00ebs por nd\u00ebrkoh\u00eb jeni pa sht\u00ebpi<\/u>!<\/p>\n \u00c7far\u00eb duhet t\u00eb b\u00ebjm\u00eb q\u00eb t\u00eb kemi mbeshtetje financiare edhe per riparimin e sht\u00ebpis\u00eb s\u00eb d\u00ebmtuar?<\/strong><\/p>\n Blini polic\u00ebn e sigurimit me mbulim vler\u00ebn e plot\u00eb t\u00eb sht\u00ebpis\u00eb apo godin\u00ebs s\u00eb biznesit tuaj! Nj\u00eb shembull:<\/strong> N\u00eb qoft\u00eb se blini nj\u00eb apartament me vler\u00eb 100 mij\u00eb euro; 50 mij\u00eb euro kursime tuajat dhe 50 mij\u00eb euro kredi nga banka. N\u00eb rast d\u00ebmi, kompania e sigurimit mbulon vet\u00ebm 50% t\u00eb d\u00ebmeve t\u00eb shkaktuara dhe pjes\u00ebn tjet\u00ebr duhet ta p\u00ebrballoni me financat tuaja. Kjo e vlefshme dhe p\u00ebr rastet kur ka d\u00ebmtime pjesore, p\u00ebr shembull nj\u00eb d\u00ebm me kosto 2 mij\u00eb euro, sigurimi mbulon vet\u00ebm 50% t\u00eb d\u00ebmit, pra 1 mij\u00eb euro. Nd\u00ebrsa pjes\u00ebn tjet\u00ebr, 1 mij\u00eb euro, duhet ta rregulloni nga buxheti juaj. Si p\u00ebrfundim, n\u00ebse doni t\u00eb siguroni totalisht pron\u00ebn tuaj, qoft\u00eb apartament apo biznes dhe t\u00eb mos shqet\u00ebsoheni n\u00eb rast fatkeq\u00ebsish me origjin\u00eb natyrore ose njer\u00ebzore p\u00ebr kostot financiare q\u00eb mund t\u00eb prekin financat tuaja, sa her\u00eb q\u00eb t\u00eb merrni nj\u00eb kredi p\u00ebr sht\u00ebpi n\u00eb bank\u00eb, sigurohuni q\u00eb p\u00ebrve\u00e7 polic\u00ebs s\u00eb sigurimit q\u00eb Banka merr p\u00ebr sigurimin e kthimit t\u00eb kredis\u00eb q\u00eb ju ka dh\u00ebn\u00eb, merrni\u00a0 edhe polic\u00ebn shtes\u00eb t\u00eb sigurimit me vler\u00ebn e plot\u00eb t\u00eb sht\u00ebpis\u00eb apo godin\u00ebs s\u00eb biznesit. Shqip\u00ebria renditet e para n\u00eb Europ\u00eb p\u00ebr ekspozimin ndaj fatkeqesive natyrore; t\u00ebrmet, p\u00ebrmbytje, zjarre sikurse dhe faktet kan\u00eb treguar q\u00eb k\u00ebto fenomene jan\u00eb b\u00ebr\u00eb pjes\u00eb e t\u00eb p\u00ebrditshmes ton\u00eb duke shtuar dhe elementin njeri q\u00eb i shkakton k\u00ebto situata me vet\u00ebdije apo pa vet\u00ebdije.<\/p>\n Ndaj vendosni n\u00eb peshore shpenzimin p\u00ebr sigurim kundrejt vler\u00ebs s\u00eb sht\u00ebpis\u00eb q\u00eb siguroni n\u00eb rast t\u00eb ndodhjes s\u00eb k\u00ebtyre fenomeneve dhe vendosni n\u00ebse investimin e jet\u00ebs Tuaj do t\u2019ia lini rast\u00ebsis\u00eb apo do merrni masa p\u00ebr t\u00eb patur n\u00ebn kontroll kostot tuaja, nj\u00ebsoj si Bankat q\u00eb p\u00ebrkujdesen duke mbajtur garanci mbi garanci p\u00ebr kredin\u00eb q\u00eb ju japin! Siguroni pasurit\u00eb me vler\u00ebn e tyre reale q\u00eb t\u00eb garantoni qet\u00ebsin\u00eb financiare dhe t\u00eb shmangni surprizat e pak\u00ebndshme p\u00ebr familjen dhe jet\u00ebn tuaj!<\/p>\n N\u00ebse doni t\u00eb siguroheni ka vet\u00ebm 1 em\u00ebr: SIGAL UNIQA Group Austria<\/strong><\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" Blerja e nj\u00eb sht\u00ebpie sidomos n\u00eb Tiran\u00eb, apo n\u00eb qendrat e qyteteve kryesore t\u00eb vendit, \u00ebsht\u00eb investimi m\u00eb i madh dhe i r\u00ebnd\u00ebsish\u00ebm n\u00eb jet\u00ebn e nj\u00eb individi, sepse vlera q\u00eb do shpenzohet nga financat e tij apo familjes, \u00ebsht\u00eb e konsiderueshme dhe merr pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb kursimeve, apo t\u00eb t\u00eb ardhurave mujore […]<\/p>\n","protected":false},"author":2016,"featured_media":199010,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,2631],"tags":[2338],"class_list":{"0":"post-199008","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-sigal","9":"tag-lajme-zjarr-sigal-uniqa-group-austria-zjarr-tv"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/199008","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\/2016"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=199008"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/199008\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/199010"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=199008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=199008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=199008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}