T\u00eb dh\u00ebnat krahasuese tregojn\u00eb se Shqip\u00ebria \u00ebsht\u00eb vendi me normat m\u00eb t\u00eb larta reale t\u00eb interesit n\u00eb kredidh\u00ebnie n\u00eb zon\u00ebn e Ballkanit Per\u00ebndimor.<\/p>\n
Sipas Bank\u00ebs Bot\u00ebrore, p\u00ebr vitin 2020, norma reale e interesit t\u00eb kredive n\u00eb Shqip\u00ebri ishte 6.6%. Norma reale e interesit t\u00eb kredive shprehet si norma mesatare e interesit t\u00eb kredive e rregulluar me inflacionin, t\u00eb matur sipas deflatorit t\u00eb Prodhimit t\u00eb Brendsh\u00ebm Bruto.<\/p>\n
Pas Shqip\u00ebris\u00eb, vendi me normat m\u00eb t\u00eb larta reale t\u00eb interesit n\u00eb rajon \u00ebsht\u00eb Mali i Zi, me 6.1%, i ndjekur nga Kosova me 5.1%, Maqedonia e Veriut me 4% dhe Bosnje-Hercegovina me 2.9%. Sipas Bank\u00ebs Bot\u00ebrore, krahasimi i k\u00ebtyre t\u00eb dh\u00ebnave duhen marr\u00eb me nj\u00eb lloj rezerve, sepse termat dhe m\u00ebnyra e raportimit t\u00eb normave t\u00eb interesit mund t\u00eb jen\u00eb t\u00eb ndryshme sipas vendeve. Sidoqoft\u00eb, me k\u00ebto t\u00eb dh\u00ebna q\u00eb disponohen, Shqip\u00ebria duket t\u00eb jet\u00eb m\u00eb e shtrenjt\u00eb n\u00eb raport me fqinj\u00ebt n\u00eb terma t\u00eb normave reale t\u00eb interesit. P\u00ebr vendet e Bashkimit Europian, t\u00eb dh\u00ebnat e p\u00ebrdit\u00ebsuara jan\u00eb t\u00eb pakta, megjithat\u00eb p\u00ebr shumic\u00ebn e vendeve ato jan\u00eb m\u00eb t\u00eb ul\u00ebta krahasuar me rajonin ton\u00eb. Kjo reflekton primet m\u00eb t\u00eb ul\u00ebta t\u00eb rrezikut t\u00eb ekonomive, por edhe nj\u00eb politik\u00eb monetare ultrastimuluese, me norma baz\u00eb negative dhe me kosto t\u00eb konsiderueshme p\u00ebr mbajtjen e fondeve t\u00eb pap\u00ebrdorura nga bankat.<\/p>\n
P\u00ebr sa i takon normave nominale t\u00eb interesit, t\u00eb parregulluara me indikator\u00ebt e inflacionit, vendi me normat m\u00eb t\u00eb larta t\u00eb interesit n\u00eb rajon p\u00ebr vitin 2020 rezultonte Kosova. Norma e interesit t\u00eb kredive n\u00eb Kosov\u00eb p\u00ebr vitin 2020 rezultonte 6.7%. Shqip\u00ebria renditje e dyta me 6.1%, e ndjekur nga Mali i Zi, me 5.9%, Maqedonia e Veriut me 5.2% dhe Bosnje-Hercegovina me 3.1%. K\u00ebto t\u00eb dh\u00ebna tregojn\u00eb se renditja e Shqip\u00ebris\u00eb \u00ebsht\u00eb ndikuar ndjesh\u00ebm edhe nga nj\u00eb vler\u00eb deflatori m\u00eb e lart\u00eb krahasuar me vendet fqinje t\u00eb rajonit t\u00eb Ballkanit Per\u00ebndimor.<\/p>\n
T\u00eb dh\u00ebnat e p\u00ebrdit\u00ebsuara t\u00eb vitit 2021 n\u00eb Shqip\u00ebri treguan nj\u00eb r\u00ebnie t\u00eb normave nominale t\u00eb interesit n\u00eb segmentin e individ\u00ebve, q\u00eb prek\u00ebn nivelin m\u00eb t\u00eb ul\u00ebt historik. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb treguan se interesi mesatar i kredive t\u00eb reja n\u00eb lek\u00eb zbriti n\u00eb 6.34%, nga 6.52% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Ndikimin kryesor n\u00eb uljen e norm\u00ebs mesatare t\u00eb interesit e dhan\u00eb kredit\u00eb me q\u00ebllim blerjen e banesave, q\u00eb kan\u00eb edhe pesh\u00ebn kryesore n\u00eb volumin e kredis\u00eb bankare p\u00ebr individ\u00ebt. Statistikat tregojn\u00eb se interesi mesatar i k\u00ebtyre kredive n\u00eb lek\u00eb p\u00ebr vitin e kaluar zbriti n\u00eb 3.43%, nga 3.66% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. R\u00ebnia graduale e normave t\u00eb interesit n\u00eb lek\u00eb dhe ngushtimi i diferencave me euron ka dh\u00ebn\u00eb nj\u00eb ndikim t\u00eb ndjesh\u00ebm n\u00eb shtimin e huamarrjes s\u00eb individ\u00ebve n\u00eb monedh\u00ebn vendase gjat\u00eb viteve t\u00eb fundit. P\u00ebr sa i takon kredive p\u00ebr individ\u00eb n\u00eb monedh\u00ebn euro, normat e interesit vitin e kaluar sh\u00ebnuan nj\u00eb nivel mesatar prej 3.61%, me nj\u00eb rritje shum\u00eb t\u00eb leht\u00eb nga shifra prej 3.59% e vitit t\u00eb kaluar. Produkti kryesor i kredis\u00eb p\u00ebr individ\u00eb q\u00eb jepet n\u00eb euro, kredia p\u00ebr banesa u dha mesatarisht me nj\u00eb norm\u00eb interesi prej 3.17%, nga 3.12% q\u00eb kishte qen\u00eb p\u00ebr vitin 2020.<\/p>\n
P\u00ebr sa i takon kredis\u00eb s\u00eb bizneseve, norma mesatare e interesit p\u00ebr kredit\u00eb e reja n\u00eb lek\u00eb sh\u00ebnoi nj\u00eb rritje t\u00eb leht\u00eb, n\u00eb nivelin 5.53%, nga 5.48% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. Por, nd\u00ebrkoh\u00eb interesi mesatar p\u00ebsoi nj\u00eb r\u00ebnie p\u00ebr monedh\u00ebn euro, duke zbritur n\u00eb 4.1%, nga 4.17% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.\/Monitor<\/p>","protected":false},"excerpt":{"rendered":"
T\u00eb dh\u00ebnat krahasuese tregojn\u00eb se Shqip\u00ebria \u00ebsht\u00eb vendi me normat m\u00eb t\u00eb larta reale t\u00eb interesit n\u00eb kredidh\u00ebnie n\u00eb zon\u00ebn e Ballkanit Per\u00ebndimor. Sipas Bank\u00ebs Bot\u00ebrore, p\u00ebr vitin 2020, norma reale e interesit t\u00eb kredive n\u00eb Shqip\u00ebri ishte 6.6%. Norma reale e interesit t\u00eb kredive shprehet si norma mesatare e interesit t\u00eb kredive e rregulluar […]<\/p>\n","protected":false},"author":2020,"featured_media":249287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,5380,231],"tags":[],"class_list":{"0":"post-249286","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-kryesore","9":"category-lajme"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/249286","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\/2020"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=249286"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/249286\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/249287"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=249286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=249286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=249286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}