Kredia p\u00ebr blerjen e banesave nga sektori bankar po jep shenja ngadal\u00ebsimi.<\/p>\n
Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr muajin tetor kredia e re p\u00ebr blerjen e pasurive t\u00eb paluajtshme kishte vler\u00ebn e 2.95 miliard\u00eb lek\u00ebve, vlera m\u00eb e ul\u00ebt q\u00eb prej muajit janar t\u00eb k\u00ebtij viti. Kredia e re p\u00ebr blerjen e banesave nga familjet \u00ebsht\u00eb gjithashtu n\u00eb r\u00ebnie me 8.6% krahasuar me tetorin e vitit t\u00eb kaluar.<\/p>\n
Tregu po jep shenjat e para se inflacioni i lart\u00eb dhe rritja e normave t\u00eb interesit po reflektohet n\u00eb nj\u00eb ngadal\u00ebsim t\u00eb kredidh\u00ebnies.<\/p>\n
Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, norma mesatare e interesit p\u00ebr kredit\u00eb e reja p\u00ebr blerje banesash n\u00eb lek\u00eb n\u00eb segmentin e individ\u00ebve p\u00ebr tetorin u rrit p\u00ebr t\u00eb gjashtin muaj radhazi dhe arriti nivelin 4.87%. Krahasuar me tetorin e vitit t\u00eb kaluar, interesi mesatar i k\u00ebtyre kredive \u00ebsht\u00eb rritur me 1.4 p\u00ebrqindje.<\/p>\n
Efekti i normave t\u00eb interesit \u00ebsht\u00eb m\u00eb i ndjesh\u00ebm tek huamarr\u00ebsit ekzistues q\u00eb kan\u00eb kredi me interesa t\u00eb ndryshueshme. Yield-i i bonove t\u00eb thesarit, q\u00eb \u00ebsht\u00eb treguesi m\u00eb i p\u00ebrdorur benchmark p\u00ebr kuotimin e interesave t\u00eb kredive, n\u00eb harkun e nj\u00eb viti \u00ebsht\u00eb rritur me m\u00eb shum\u00eb se kat\u00ebr pik\u00eb p\u00ebrqindje. Paralelisht, inflacioni i lart\u00eb k\u00ebt\u00eb vit po g\u00ebrryen aft\u00ebsin\u00eb paguese t\u00eb familjeve.<\/p>\n
Kredia p\u00ebr sht\u00ebpi \u00ebsht\u00eb rritur me ritme shum\u00eb t\u00eb larta n\u00eb dy vitet e fundit. N\u00eb fund t\u00eb muajit tetor, portofoli i kredis\u00eb p\u00ebr blerje banesash i sektorit bankar arriti n\u00eb 165 miliard\u00eb lek\u00eb ose rreth 1.4 miliard\u00eb euro, n\u00eb rritje vjetore me 15.7%.<\/p>\n
K\u00ebrkesa p\u00ebr kredi \u00ebsht\u00eb nxitur nga normat e ul\u00ebta t\u00eb interesit dhe cikli i rritjes s\u00eb shpejt\u00eb t\u00eb \u00e7mimeve t\u00eb pasurive t\u00eb paluajtshme. Nga ana tjet\u00ebr, oferta ka qen\u00eb gjithashtu e bollshme, sepse sektori bankar po tenton t\u00eb ul\u00eb p\u00ebrqendrimin n\u00eb segmentin e biznesit, p\u00ebr t\u00eb siguruar nj\u00eb shp\u00ebrndarje m\u00eb t\u00eb mir\u00eb t\u00eb rrezikut t\u00eb kredis\u00eb.<\/p>\n
Kredia p\u00ebr sht\u00ebpi ka qen\u00eb produkti m\u00eb i lakmuar nga bankat, duke qen\u00eb se mund\u00ebson nj\u00eb rritje t\u00eb q\u00ebndrueshme dhe afatgjat\u00eb t\u00eb portofolit, por edhe raporte t\u00eb ul\u00ebta t\u00eb kredive me probleme, q\u00eb p\u00ebrkthehen n\u00eb nj\u00eb perceptim m\u00eb t\u00eb vog\u00ebl rreziku.<\/p>\n
Rritja e \u00e7mimeve t\u00eb banesave gjithashtu ka rritur besimin p\u00ebr vler\u00ebn e kolateraleve, duke kontribuar gjithashtu pozitivisht n\u00eb vler\u00ebsimet e riskut. Por, rritja e shpejt\u00eb e normave t\u00eb interesit k\u00ebt\u00eb vit tashm\u00eb po i shfaq efektet e para n\u00eb tregun e kredis\u00eb p\u00ebr sht\u00ebpi.<\/p>\n
Edhe analizat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb tremujorin e tret\u00eb t\u00eb vitit jan\u00eb shfaqur disa sinjale t\u00eb para q\u00eb tregojn\u00eb p\u00ebr ngadal\u00ebsim t\u00eb kredis\u00eb s\u00eb k\u00ebtij segmenti, sikurse vihet re nga shtr\u00ebngimi me baz\u00eb t\u00eb gjer\u00eb i standardeve t\u00eb kreditimit dhe r\u00ebnia e k\u00ebrkes\u00ebs s\u00eb individ\u00ebve p\u00ebr financim.<\/p>\n
Kjo ecuri \u00ebsht\u00eb konfirmuar edhe nga bankat, t\u00eb cilat evidentojn\u00eb rritjen e shpejt\u00eb t\u00eb normave t\u00eb interesit, koston e sh\u00ebrbimit t\u00eb kredis\u00eb, shtr\u00ebngimin e p\u00ebrgjithsh\u00ebm t\u00eb kushteve t\u00eb kreditimit, si dhe pritshm\u00ebrit\u00eb p\u00ebr p\u00ebrkeq\u00ebsimin e t\u00eb ardhurave dhe aft\u00ebsis\u00eb paguese, ve\u00e7an\u00ebrisht p\u00ebr individ\u00ebt me t\u00eb ardhura m\u00eb t\u00eb ul\u00ebta.<\/p>\n
Duke qen\u00eb se kredia bankare ka qen\u00eb nj\u00eb faktor me r\u00ebnd\u00ebsi t\u00eb konsiderueshme n\u00eb mb\u00ebshtetjen e k\u00ebrkes\u00ebs, frenimi i kreditimit pritet t\u00eb sjell\u00eb nj\u00eb ngadal\u00ebsim t\u00eb rritjes s\u00eb \u00e7mimeve t\u00eb pasurive t\u00eb paluajtshme.\/Monitor<\/p>\n","protected":false},"excerpt":{"rendered":"
Kredia p\u00ebr blerjen e banesave nga sektori bankar po jep shenja ngadal\u00ebsimi. Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr muajin tetor kredia e re p\u00ebr blerjen e pasurive t\u00eb paluajtshme kishte vler\u00ebn e 2.95 miliard\u00eb lek\u00ebve, vlera m\u00eb e ul\u00ebt q\u00eb prej muajit janar t\u00eb k\u00ebtij viti. Kredia e re p\u00ebr blerjen e banesave […]<\/p>\n","protected":false},"author":2031,"featured_media":305437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[231],"tags":[],"class_list":{"0":"post-305436","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lajme"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/305436","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/users\/2031"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=305436"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/305436\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/305437"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=305436"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=305436"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=305436"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}