Rritja marramend\u00ebse e interesave referuese si Euribor apo Bono Thesari 12 mujore ka sjell\u00eb apo pritet t\u00eb sjell\u00eb fatura shum\u00eb m\u00eb t\u00eb shtrenjta n\u00eb familjet shqiptare q\u00eb kan\u00eb nj\u00eb kredi p\u00ebr sht\u00ebpi nd\u00ebrsa ritmi i rritjes ka gjasa do t\u00eb d\u00ebmtoj\u00eb konsumin n\u00eb t\u00ebr\u00ebsi. Qeveria duket se nuk po ndihmon, duke vendosur t\u00eb hedh\u00eb para nga dritarja n\u00eb vend q\u00eb t\u00eb ul\u00eb borxhin publik.<\/p>\n
Nga Gjergj Erebara<\/p>\n
Jan\u00eb dy lajme q\u00eb po kalojn\u00eb pa u v\u00ebn\u00eb re: Lajmi i par\u00eb ka lidhje me buxhetin e shtetit. Qeveria ka dor\u00ebzuar n\u00eb parlament nj\u00eb akt normativ p\u00ebr t\u00eb rialokuar afro 30 miliard\u00eb lek\u00eb shpenzime t\u00eb pakryera t\u00eb k\u00ebtij viti. Shifra, e barabart\u00eb me 256 milion\u00eb euro, \u00ebsht\u00eb e st\u00ebrmadhe. K\u00ebto jan\u00eb parat\u00eb, t\u00eb cilat do t\u00eb duhej t\u00eb ishin shpenzuar gradualisht p\u00ebrgjat\u00eb vitit 2022 p\u00ebr investime publike, t\u00eb tilla si rrug\u00eb, shkolla e t\u00eb tjera, por q\u00eb nuk jan\u00eb shpenzuar p\u00ebr shkaqe t\u00eb ndryshme, p\u00ebr shembull, tenderi nuk \u00ebsht\u00eb b\u00ebr\u00eb n\u00eb koh\u00eb, punimet jan\u00eb zvarritur nga kompanit\u00eb kontraktuese e t\u00eb tjera.<\/p>\n
Duke i rialokuar, qeveria ka n\u00eb plan q\u00eb t\u2019i shpenzoj\u00eb k\u00ebto para brenda muajit dhjetor n\u00eb pun\u00eb t\u00eb tjera. Pyetja normale q\u00eb duhet t\u00eb shtrohet k\u00ebtu \u00ebsht\u00eb se si \u00ebsht\u00eb e mundur q\u00eb nj\u00eb sasi kaq e madhe parash, e cila nuk \u00ebsht\u00eb shpenzuar n\u00eb ecurin\u00eb normale t\u00eb nj\u00eb viti, do t\u00eb \u201cinvestohet\u201d brenda kat\u00ebr jav\u00ebve t\u00eb dhjetorit?<\/p>\n
P\u00ebrgjigjja e logjikshme \u00ebsht\u00eb se k\u00ebto nuk jan\u00eb para t\u00eb investimeve publike normale, n\u00eb nj\u00eb vend normal. Ato jan\u00eb para t\u00eb hedhura nga dritarja. Nj\u00eb shum\u00eb kaq e madhe parash supozohet se \u00ebsht\u00eb v\u00ebn\u00eb n\u00eb dispozicion t\u00eb ministrive p\u00ebrkat\u00ebse me akt normativ n\u00eb fund t\u00eb n\u00ebntorit, nd\u00ebrsa parat\u00eb do t\u00eb jen\u00eb konvertuar n\u00eb mall, fjala vjen, beton e hekur, brenda dat\u00ebs 31 dhjetor.<\/p>\n
Rialokimet jan\u00eb vet\u00ebm nj\u00eb pjes\u00eb e ortekut t\u00eb zakonsh\u00ebm t\u00eb parave q\u00eb qeveria nxjerr nga buxheti i shtetit n\u00eb muajin dhjetor. P\u00ebr qeverin\u00eb \u201cRama\u201d \u00ebsht\u00eb e zakonshme q\u00eb p\u00ebrgjat\u00eb t\u00eb gjith\u00eb vitit t\u00eb mos b\u00ebj\u00eb asnj\u00eb pun\u00eb dhe n\u00eb muajin dhjetor t\u00eb b\u00ebj\u00eb at\u00eb q\u00eb nuk ka b\u00ebr\u00eb p\u00ebrgjat\u00eb t\u00eb gjith\u00eb vitit.<\/p>\n
Dhe megjith\u00ebse kjo nuk \u00ebsht\u00eb hera e par\u00eb q\u00eb qeveria shqiptare sillet n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, fakti \u00ebsht\u00eb q\u00eb ky vit \u00ebsht\u00eb paksa i ve\u00e7ant\u00eb dhe, n\u00ebse qeveria do t\u00eb kishte zgjedhur q\u00eb k\u00ebto para t\u00eb mos i hidhte nga dritarja por t\u2019i p\u00ebrdorte p\u00ebr t\u00eb ulur borxhin publik, p\u00ebrfitimet p\u00ebr qytetar\u00ebt do t\u00eb ishin shum\u00ebfish.<\/p>\n
Lajmi i dyt\u00eb q\u00eb nuk duhet t\u00eb kaloj\u00eb pa u v\u00ebn\u00eb re \u00ebsht\u00eb rritja marramend\u00ebse e k\u00ebsteve t\u00eb kredive t\u00eb familjeve q\u00eb kan\u00eb marr\u00eb kredi afatgjat\u00eb, n\u00eb lek\u00eb apo n\u00eb euro, kryesisht p\u00ebr t\u00eb bler\u00eb sht\u00ebpi. Disa kredimarr\u00ebs q\u00eb ndan\u00eb t\u00eb dh\u00ebnat e kredive t\u00eb tyre p\u00ebr k\u00ebt\u00eb blog, raportuan rritje t\u00eb forta, t\u00eb tilla q\u00eb, n\u00ebse marrim parasysh pesh\u00ebn q\u00eb kan\u00eb kredit\u00eb p\u00ebr sht\u00ebpi n\u00eb ekonomin\u00eb shqiptare, ka gjasa q\u00eb do t\u00eb sjell\u00eb tkurrje t\u00eb konsiderueshme t\u00eb konsumit t\u00eb k\u00ebtyre familjeve dhe vuajtje t\u00ebr\u00ebsisht t\u00eb panevojshme, jo vet\u00ebm p\u00ebr kredimarr\u00ebsit, por edhe p\u00ebr pjes\u00ebn tjet\u00ebr t\u00eb ekonomis\u00eb.<\/p>\n
Nj\u00ebri nga kredimarr\u00ebsit tregoi se si k\u00ebsti i kredis\u00eb mujore i \u00ebsht\u00eb rritur nga 38 mij\u00eb lek\u00eb n\u00eb 53 mij\u00eb lek\u00eb n\u00eb muaj, nj\u00eb rritje prej 39%. Kredia n\u00eb lek\u00eb, me interes kontraktual bono thesari 1-vje\u00e7are plus 1.5% por jo m\u00eb pak se 3.8%, u shtrenjtua p\u00ebr shkak se bonot e thesarit nj\u00ebvje\u00e7are u shtrenjtuan nga 1.6% n\u00eb janar, n\u00eb 5.8% n\u00eb n\u00ebntor.<\/p>\n
Kredit\u00eb n\u00eb euro, t\u00eb cilat jan\u00eb emetuar me formul\u00ebn Euribor plus, duket se kan\u00eb p\u00ebsuar nj\u00eb rritje m\u00eb t\u00eb ul\u00ebt.<\/p>\n
Euribori \u00ebsht\u00eb norma mesatare e kostos s\u00eb euros n\u00eb tregun nd\u00ebrbankar. Ajo ka qen\u00eb zero nga viti 2016 deri n\u00eb prill t\u00eb k\u00ebtij viti nd\u00ebrsa aktualisht \u00ebsht\u00eb di\u00e7ka m\u00eb pak se 3%. Kjo \u00ebsht\u00eb duksh\u00ebm m\u00eb e ul\u00ebt se sa bonot e thesarit 12 mujore dhe tregon se pse, kredimarr\u00ebsit n\u00eb euro pritet t\u00eb vuajn\u00eb krahasimisht m\u00eb pak se sa kredimarr\u00ebsit n\u00eb lek\u00eb.<\/p>\n
Normat referenc\u00eb t\u00eb interesit t\u00eb kredive n\u00eb Shqip\u00ebri jan\u00eb t\u00eb ndryshme nga ato t\u00eb vendeve t\u00eb zhvilluara. Euribori \u00ebsht\u00eb norma nd\u00ebrbankare e interesit. Ajo p\u00ebrcaktohet nga k\u00ebrkesat dhe ofertat e bankave evropiane p\u00ebr kredi apo depozita dhe n\u00eb k\u00ebt\u00eb treg, \u00ebsht\u00eb Banka Qendrore Evropiane ajo q\u00eb luan nj\u00eb rol por jo qeverit\u00eb apo ministrit\u00eb e financave.<\/p>\n
N\u00eb Shqip\u00ebri situata duket se \u00ebsht\u00eb ndryshe. Interesi referenc\u00eb \u00ebsht\u00eb bonot e thesarit dhe interesi i bonove t\u00eb thesarit p\u00ebrcaktohet nga uria e qeveris\u00eb p\u00ebr huamarrje afatshkurt\u00ebr. Tregu i borxhit gjithashtu kontrollohet jo tamam nga \u201ctregu\u201d por nga pak banka q\u00eb kan\u00eb fuqi t\u00eb ndjeshme.<\/p>\n
Kredit\u00eb p\u00ebr sht\u00ebpi jan\u00eb nj\u00eb pjes\u00eb e konsiderueshme e tregut t\u00eb kredive n\u00eb Shqip\u00ebri. Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb tetor t\u00eb k\u00ebtij viti, stoku i kredis\u00eb p\u00ebr blerje banese ishte 165 miliard\u00eb lek\u00eb, e ndar\u00eb n\u00eb 93 miliard\u00eb n\u00eb lek\u00eb dhe 71 miliard\u00eb n\u00eb euro. N\u00ebse kostoja e k\u00ebtyre kredive p\u00ebr familjet huamarr\u00ebse rritet me 20%, at\u00ebher\u00eb af\u00ebrsisht 280 milion\u00eb euro do t\u00eb dalin m\u00eb tep\u00ebr nga xhepat e huamarr\u00ebsve p\u00ebr t\u00eb hyr\u00eb n\u00eb xhepat e aksioner\u00ebve t\u00eb bankave. N\u00ebse kostoja rritjet me 40%, si\u00e7 ishte rasti i kredis\u00eb t\u00eb p\u00ebrmendur m\u00eb sip\u00ebr n\u00eb lek\u00eb, at\u00ebher\u00eb vet\u00ebm nga kredit\u00eb p\u00ebr sht\u00ebpi, bankat do t\u00eb ark\u00ebtojn\u00eb vitin e ardhsh\u00ebm diku te 560 milion\u00eb euro m\u00eb shum\u00eb.<\/p>\n
Rritja e kostos s\u00eb paras\u00eb \u00ebsht\u00eb deri n\u00eb nj\u00eb far\u00eb mase e pashmangshme. Bankat qendrore n\u00eb t\u00eb gjith\u00eb bot\u00ebn po synojn\u00eb t\u00eb rrisin interesat e kredive me q\u00ebllim q\u00eb njer\u00ebzit t\u00eb ulin konsumin dhe t\u00eb ftohin \u00e7mimet. Por n\u00eb Shqip\u00ebri, p\u00ebr shkak t\u00eb rritjes me shpejt\u00ebsi marramend\u00ebse t\u00eb bonove t\u00eb thesarit, vuajtja pritet t\u00eb jet\u00eb m\u00eb e madhe. N\u00ebse efekti i politik\u00ebs monetare t\u00eb Bank\u00ebs Qendrore Evropiane sjell shtrenjtim t\u00eb euriborit nga 1 n\u00eb 2.87%, n\u00eb rastin e Shqip\u00ebris\u00eb, jo efekti i politik\u00ebs monetare, por efekti i politik\u00ebs fiskale solli rritjen e bonove t\u00eb thesarit nga 1.6 n\u00eb 5.8%.<\/p>\n
Interesi n\u00eb ankandin e fundit prej 5.8% \u00ebsht\u00eb anormale. Problemi \u00ebsht\u00eb se, n\u00ebse shohim parashikimin e Ministris\u00eb s\u00eb Financave p\u00ebr emetimin e borxhit publik n\u00eb tremujorin e par\u00eb t\u00eb vitit t\u00eb ardhsh\u00ebm, at\u00ebhere mund t\u00eb themi se vendi ka rrezikun q\u00eb t\u00eb shoh\u00eb k\u00ebt\u00eb norm\u00eb ky\u00e7e interesi edhe m\u00eb t\u00eb lart\u00eb se sa kaq. Sipas kalendarit t\u00eb publikuar, qeveria ka n\u00eb plan t\u00eb t\u00ebrheq\u00eb 121 miliard\u00eb lek\u00eb borxh n\u00eb tremujorin e ardhsh\u00ebm, gj\u00eb q\u00eb ka gjasa do t\u00eb shtoj\u00eb presionin mbi interesat.<\/p>\n
K\u00ebtu mb\u00ebrrijm\u00eb te lajmi i par\u00eb: t\u00eb 30 miliard\u00eb lek\u00ebt e investimeve t\u00eb rialokuara, t\u00eb cilat, qeveria ka n\u00eb plan t\u2019i shpenzoj\u00eb k\u00ebt\u00eb dhjetor. Nj\u00eb pjes\u00eb e madhe e k\u00ebtyre parave, 12 miliard\u00eb lek\u00eb, supozohen se do t\u00eb shkojn\u00eb p\u00ebr fondin e rind\u00ebrtimit. N\u00ebse vijoni ta mbani mend, n\u00eb vitin 2019 n\u00eb Shqip\u00ebri ra nj\u00eb t\u00ebrmet, nd\u00ebrsa tre vjet m\u00eb pas, qeveria shpall emergjenc\u00eb p\u00ebr t\u00eb rialokuar 12 miliard\u00eb lek\u00eb shpenzime p\u00ebr k\u00ebt\u00eb destinacion. Tani imagjinoni se \u00e7far\u00eb emergjence mund t\u00eb ket\u00eb qeveria. Nuk i ka shpenzuar k\u00ebto para n\u00eb vitin 2020, n\u00eb vitin 2021 dhe as n\u00eb periudh\u00ebn janar-n\u00ebntor t\u00eb vitit 2022. Por shpall emergjenc\u00eb p\u00ebr rialokime n\u00eb dhjetor 2022.<\/p>\n
Rreth 5 miliard\u00eb t\u00eb tjera do t\u00eb shkojn\u00eb financim shtes\u00eb p\u00ebr tunelin e Llogaras\u00eb, t\u00eb famshmin tunel q\u00eb \u00ebsht\u00eb ve\u00e7an\u00ebrisht prioritar, pasi ndihmon elit\u00ebn e re shqiptare q\u00eb t\u00eb shkoj\u00eb n\u00eb vil\u00ebn e tyre t\u00eb disat\u00eb t\u00eb pushimeve p\u00ebr tre or\u00eb dhe jo p\u00ebr tre or\u00eb e gjysm\u00eb, si\u00e7 han aktualisht rruga ekzistuese. Me pak fjal\u00eb, k\u00ebto jan\u00eb para t\u00eb hedhura nga dritarja n\u00eb kuptim t\u00eb drejtp\u00ebrdrejt\u00eb. K\u00ebto jan\u00eb shpenzime shtes\u00eb p\u00ebrve\u00e7 shpenzimeve t\u00eb alokuara n\u00eb buxhetin e zakonsh\u00ebm p\u00ebr k\u00ebt\u00eb tunel. Urgjenca e vetme n\u00eb k\u00ebt\u00eb rast \u00ebsht\u00eb q\u00eb qeveris\u00eb i kan\u00eb dal\u00eb para tep\u00ebr nga moskryerja e investimeve t\u00eb tjera dhe ka k\u00ebrkuar t\u2019ia gjej\u00eb vendin, me q\u00ebllim q\u00eb t\u2019i shpenzoj\u00eb dhe jo t\u2019i mbaj\u00eb.<\/p>\n
Alternativa e logjikshme \u00ebsht\u00eb q\u00eb k\u00ebto para t\u00eb mos hidhen nga dritarja por t\u00eb p\u00ebrdoren p\u00ebr t\u00eb ulur borxhin publik. Jan\u00eb n\u00eb nj\u00eb shum\u00eb t\u00eb till\u00eb sa mund\u00ebsojn\u00eb reduktim dometh\u00ebn\u00ebs t\u00eb huamarrjes afatshkurt\u00ebr dhe mund t\u00eb sjellin r\u00ebnie t\u00eb konsiderueshme t\u00eb interesave t\u00eb bonove t\u00eb thesarit 12 mujore. Nj\u00eb shkurtim shpenzimesh me 10,20 apo 30 miliard\u00eb lek\u00eb, kjo \u00ebsht\u00eb nj\u00eb pjes\u00eb e konsiderueshme e huamarrjes afatshkurt\u00ebr t\u00eb tremujorit t\u00eb ardhsh\u00ebm. Kjo do t\u00eb thot\u00eb q\u00eb familjeve shqiptare q\u00eb kan\u00eb kredi t\u2019i kursehen dhjet\u00ebramilion\u00eb euro interesa, t\u00eb cilat do t\u00eb b\u00ebhen konsum i zakonsh\u00ebm me efekt zinxhir pozitiv n\u00eb t\u00eb gjith\u00eb ekonomin\u00eb, normalisht me efekt shum\u00eb m\u00eb tep\u00ebr pozitiv se sa investimet e fundit t\u00eb dhjetorit q\u00eb ka nd\u00ebr mend t\u2019i b\u00ebj\u00eb qeveria.\/Reporter.al\/<\/p>","protected":false},"excerpt":{"rendered":"
Rritja marramend\u00ebse e interesave referuese si Euribor apo Bono Thesari 12 mujore ka sjell\u00eb apo pritet t\u00eb sjell\u00eb fatura shum\u00eb m\u00eb t\u00eb shtrenjta n\u00eb familjet shqiptare q\u00eb kan\u00eb nj\u00eb kredi p\u00ebr sht\u00ebpi nd\u00ebrsa ritmi i rritjes ka gjasa do t\u00eb d\u00ebmtoj\u00eb konsumin n\u00eb t\u00ebr\u00ebsi. Qeveria duket se nuk po ndihmon, duke vendosur t\u00eb hedh\u00eb para […]<\/p>\n","protected":false},"author":2031,"featured_media":305861,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[231],"tags":[],"class_list":{"0":"post-305860","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lajme"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/305860","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\/2031"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=305860"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/305860\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/305861"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=305860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=305860"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=305860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}