{"id":63740,"date":"2019-01-21T13:36:45","date_gmt":"2019-01-21T12:36:45","guid":{"rendered":"https:\/\/zjarr.tv\/?p=63740"},"modified":"2019-01-21T13:36:45","modified_gmt":"2019-01-21T12:36:45","slug":"bshperdorimi-i-huase-nga-bankat-e-tjerarenie-ne-tregun-e-brendshem","status":"publish","type":"post","link":"https:\/\/zjarr.tv\/sq\/bshperdorimi-i-huase-nga-bankat-e-tjerarenie-ne-tregun-e-brendshem\/","title":{"rendered":"BSH:P\u00ebrdorimi i huas\u00eb nga bankat e tjera,r\u00ebnie n\u00eb tregun e brendsh\u00ebm"},"content":{"rendered":"

Banka e Shqip\u00ebris\u00eb gjeti, n\u00eb vrojtimin e fundit t\u00eb kredis\u00eb s\u00eb p\u00ebrdorimi i huas\u00eb nga bankat e tjera ka ndikuar n\u00eb r\u00ebnien e k\u00ebrkes\u00ebs s\u00eb individ\u00ebve p\u00ebr financim n\u00eb tregun e brendsh\u00ebm.<\/span><\/p>\n

Kredia nga bankat jasht\u00eb vendit po e ndikon negativisht k\u00ebrkes\u00ebn p\u00ebr kredi n\u00eb bankat vendase.<\/span><\/p>\n

Banka e Shqip\u00ebris\u00eb e shtoi n\u00eb qershorin e vitit t\u00eb kaluar \u201ckredin\u00eb nga banka t\u00eb tjera\u201d si opsion i financimeve nga burimet alternative q\u00eb p\u00ebrdorin individ\u00ebt.<\/span><\/p>\n

Individ\u00ebt p\u00ebr t\u00eb tretin tremujor radhazi pohuan se huamarrja nga bankat jasht\u00eb vendit ka qen\u00eb n\u00eb rritje. <\/span><\/p>\n

Gjithashtu konsumator\u00ebt po p\u00ebrdorin gjithnj\u00eb e m\u00eb shum\u00eb financimet nga institucionet financiare jo bankare p\u00ebr plot\u00ebsimin e nevojave.<\/span><\/p>\n

K\u00ebrkesa e individ\u00ebve p\u00ebr kredi u raportua m\u00eb e lart\u00eb n\u00eb tremujorin e fundit t\u00eb vitit, n\u00eb saj\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb shtuar p\u00ebr kredi konsumator\u00eb. <\/span><\/p>\n

Nga ana tjet\u00ebr, k\u00ebrkesa p\u00ebr kredi me q\u00ebllim blerje banese u perceptua m\u00eb e ul\u00ebt nga ana e bankave.<\/span><\/p>\n

Pritjet e bankave p\u00ebr tremujorin e par\u00eb t\u00eb vitit 2019 flasin p\u00ebr shtim t\u00eb k\u00ebrkes\u00ebs p\u00ebr kredi nga ana e individ\u00ebve, n\u00eb t\u00eb dyja kategorit\u00eb.<\/span><\/p>\n

Tek kredit\u00eb p\u00ebr individ\u00eb, interesat jan\u00eb ulur ve\u00e7an\u00ebrisht p\u00ebr kredit\u00eb hipotekare, nd\u00ebrkoh\u00eb q\u00eb interesat p\u00ebr financimin e kredis\u00eb konsumator\u00eb kan\u00eb treguar ecuri t\u00eb luhatshme<\/span><\/p>\n

N\u00eb muajt tetor-n\u00ebntor, kredia p\u00ebr individ\u00eb ka shfaqur norm\u00eb t\u00eb ngjashme rritjeje vjetore me tremujorin e tret\u00eb, n\u00eb rreth 7.8%, shkruan \u2018monitor\u2019.<\/span><\/p>\n

Pavar\u00ebsisht se kjo norm\u00eb \u00ebsht\u00eb m\u00eb e ul\u00ebt se n\u00eb gjasht\u00ebmujorin e par\u00eb t\u00eb vitit, kredia p\u00ebr individ\u00eb ka dh\u00ebn\u00eb kontributin m\u00eb t\u00eb lart\u00eb n\u00eb zgjerimin e kredis\u00eb p\u00ebr sektorin privat n\u00eb terma vjetor\u00eb. <\/span><\/p>\n

E par\u00eb n\u00eb nj\u00eb k\u00ebndv\u00ebshtrim m\u00eb afatgjat\u00eb, kjo ecuri lidhet me kushtet e leht\u00ebsuara t\u00eb kreditimit n\u00eb k\u00ebt\u00eb segment, mb\u00ebshtetur dhe nga rritja e vazhdueshme e k\u00ebrkes\u00ebs. <\/span><\/p>\n

Kjo e fundit raportohet me rritje edhe gjat\u00eb tremujorit t\u00eb tret\u00eb t\u00eb vitit, si n\u00eb segmentin konsumator, ashtu edhe n\u00eb at\u00eb p\u00ebr blerje banese.<\/span><\/p>\n

Portofoli i kredis\u00eb konsumator\u00eb dhe i kredis\u00eb p\u00ebr blerje banese sh\u00ebnuan norm\u00eb t\u00eb nj\u00ebjt\u00eb rritjeje, mesatarisht me rreth 7.8% p\u00ebr muajt tetor-n\u00ebntor<\/span><\/p>\n

N\u00eb krahasim m\u00eb gjasht\u00ebmujorin e par\u00eb t\u00eb vitit, vihet re se dinamikat e rritjes t\u00eb k\u00ebtyre portofoleve jan\u00eb shfaqur n\u00eb kahe t\u00eb kund\u00ebrta, k\u00ebshtu kredia p\u00ebr blerje banese ka p\u00ebrmir\u00ebsuar ritmet e rritjes, nd\u00ebrsa ajo konsumatore i ka ngadal\u00ebsuar.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Banka e Shqip\u00ebris\u00eb gjeti, n\u00eb vrojtimin e fundit t\u00eb kredis\u00eb s\u00eb p\u00ebrdorimi i huas\u00eb nga bankat e tjera ka ndikuar n\u00eb r\u00ebnien e k\u00ebrkes\u00ebs s\u00eb individ\u00ebve p\u00ebr financim n\u00eb tregun e brendsh\u00ebm. Kredia nga bankat jasht\u00eb vendit po e ndikon negativisht k\u00ebrkes\u00ebn p\u00ebr kredi n\u00eb bankat vendase. Banka e Shqip\u00ebris\u00eb e shtoi n\u00eb qershorin e […]<\/p>\n","protected":false},"author":2020,"featured_media":63761,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,231,235],"tags":[],"class_list":{"0":"post-63740","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-lajme","9":"category-vendi"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/63740","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\/2020"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=63740"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/63740\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/63761"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=63740"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=63740"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=63740"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}