![\"\"](\"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/01\/800-0-63ce6ebf3ec52.jpg?resize=579%2C326&ssl=1\")
<\/p>\n<\/p>\n
23 Janar 2023<\/p>\n
Qeveria parashikon q\u00eb t\u00eb miratoj\u00eb nj\u00eb ligj t\u00eb ri p\u00ebr fondet e pensioneve private duke sjell\u00eb nj\u00eb seri ndryshimesh p\u00ebr nj\u00eb treg q\u00eb ende mbetet anemik n\u00eb vend.<\/p>\n
Vet\u00ebm nj\u00eb num\u00ebr i vog\u00ebl qytetar\u00ebsh derdhin kontribute vullnetare p\u00ebr t\u00eb p\u00ebrfituar nj\u00eb pension privat shtes\u00eb.\u00a0 Argumenti baz\u00eb se pse po b\u00ebhen k\u00ebto ndryshime lidhet me nxitjen dhe zgjerimin e k\u00ebtij tregu por edhe me qart\u00ebsimin e disa aspekteve q\u00eb lidhen me menaxhimin e fondeve.\u00a0 Projektligji \u00ebsht\u00eb p\u00ebrgatitur nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF).<\/p>\n
P\u00ebrfitimet<\/p>\n
AMF propozon rritjen e p\u00ebrjashtimit nga taksat, si p\u00ebr kontributet e pun\u00ebmarr\u00ebsve, ashtu edhe p\u00ebr ato t\u00eb pun\u00ebdh\u00ebn\u00ebsve, nd\u00ebrsa k\u00ebrkon q\u00eb pensionet t\u00eb mos tatohen as n\u00eb p\u00ebrfitim p\u00ebr pjes\u00ebn e kontributeve, por vet\u00ebm p\u00ebr kthimin nga investimi. P\u00ebr t\u00eb nxitur investimet e pun\u00ebmarr\u00ebsve (por edhe t\u00eb pun\u00ebdh\u00ebn\u00ebsve t\u00eb tyre) n\u00eb fonde t\u00eb pensioneve private, ligji aktual parashikon incentiva fiskale, n\u00eb form\u00ebn e p\u00ebrjashtimit t\u00eb kontributeve nga tatimi mbi t\u00eb ardhurat personale.<\/p>\n
Kontributi i b\u00ebr\u00eb nga \u00e7do an\u00ebtar i nj\u00eb fondi pensioni zbritet nga t\u00eb ardhurat personale t\u00eb tij, p\u00ebr efekt tatimi, pra p\u00ebrpara se t\u00eb llogaritet tatimi mbi t\u00eb ardhurat. Kufiri maksimal p\u00ebr leht\u00ebsit\u00eb tatimore p\u00ebr kontributet vjetore, \u00ebsht\u00eb vlera m\u00eb e vog\u00ebl, q\u00eb del nga krahasimi i shum\u00ebs 200 mij\u00eb lek\u00eb dhe 15% t\u00eb t\u00eb ardhurave vjetore bruto t\u00eb an\u00ebtarit. N\u00eb rast se an\u00ebtari \u00ebsht\u00eb mbi 50 vje\u00e7, kufiri maksimal p\u00ebr leht\u00ebsit\u00eb tatimore p\u00ebr kontributet vjetore \u00ebsht\u00eb vlera m\u00eb e vog\u00ebl, q\u00eb del nga krahasimi i shum\u00ebs 250 mij\u00eb lek\u00eb dhe 25% t\u00eb t\u00eb ardhurave vjetore bruto t\u00eb an\u00ebtarit. Sipas projektligjit t\u00eb propozuar nga AMF, kufiri maksimal mujor, p\u00ebr leht\u00ebsit\u00eb tatimore, do t\u00eb jet\u00eb deri n\u00eb nivelin e pag\u00ebs minimale t\u00eb miratuar n\u00eb shkall\u00eb vendi. Konkretisht, sot p\u00ebrjashtimi nga tatimi do t\u00eb shtrihej deri n\u00eb nj\u00eb shum\u00eb kontributesh prej 30 mij\u00eb lek\u00ebsh n\u00eb muaj. Sipas burimeve nga tregu, kjo formul\u00eb \u00ebsht\u00eb propozuar nga drejtuesit e shoq\u00ebrive administruese dhe \u00ebsht\u00eb pranuar nga AMF.<\/p>\n
Leht\u00ebsit\u00eb tatimore<\/p>\n
N\u00ebse propozimi i AMF miratohet, shuma e kontributeve e p\u00ebrjashtuar nga tatimet do t\u00eb arrinte n\u00eb 360 mij\u00eb lek\u00eb n\u00eb vit, ose 80% m\u00eb shum\u00eb krahasuar me pragun aktual prej 200 mij\u00eb lek\u00ebsh (P\u00ebr personat mbi 50 vje\u00e7 p\u00ebrjashtimi shkon n\u00eb 44% m\u00eb shum\u00eb krahasuar me kufirin aktual). Sipas ligjit aktual, kontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi dhe \u00e7do kontribuues tjet\u00ebr, n\u00eb em\u00ebr dhe p\u00ebr llogari t\u00eb an\u00ebtarit t\u00eb nj\u00eb fondi pensioni, p\u00ebr efekte fiskale, nuk vler\u00ebsohen si t\u00eb ardhura personale t\u00eb an\u00ebtarit. Kontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi n\u00eb interes t\u00eb pun\u00ebmarr\u00ebsve t\u00eb tij n\u00eb nj\u00eb plan pensioni profesional vler\u00ebsohen shpenzim operativ, deri n\u00eb shum\u00ebn vjetore p\u00ebr \u00e7do pun\u00ebmarr\u00ebs, t\u00eb barabart\u00eb me 250 mij\u00eb lek\u00eb dhe kjo shum\u00eb vler\u00ebsohet shpenzim i zbritsh\u00ebm, p\u00ebr q\u00ebllime t\u00eb tatimit mbi fitimin t\u00eb pun\u00ebdh\u00ebn\u00ebsit.<\/p>\n
Projektligji i ri propozon q\u00eb, edhe p\u00ebr kontributet e pun\u00ebdh\u00ebn\u00ebsit, vlera e njohur si shpenzim i zbritsh\u00ebm p\u00ebr q\u00ebllime t\u00eb tatimit mbi fitimin t\u00eb bazohet n\u00eb pag\u00ebn minimale. Me vler\u00ebn n\u00eb fuqi t\u00eb pag\u00ebs minimale, p\u00ebrjashtimi nga tatimi p\u00ebr kontributet e pun\u00ebdh\u00ebn\u00ebsit do t\u00eb arrinte n\u00eb 360 mij\u00eb lek\u00eb n\u00eb vit, ose 44% m\u00eb shum\u00eb krahasuar me nivelin maksimal q\u00eb njeh ligji aktual. Duke mbledhur kontributet e pun\u00ebdh\u00ebn\u00ebsit dhe atij t\u00eb pun\u00ebmarr\u00ebsit, projektligji parashikon nj\u00eb p\u00ebrjashtim tatimor mbi kontributet e nj\u00eb individi, sa dy paga minimale, shum\u00eb q\u00eb aktualisht p\u00ebrkthehet n\u00eb 60 mij\u00eb lek\u00eb n\u00eb muaj, ose 720 mij\u00eb lek\u00eb n\u00eb vit. Kthimi i investimit, p\u00ebrfshir\u00eb fitimet nga kapitali prej investimeve t\u00eb kryera me asetet e fondit t\u00eb pensionit nuk i n\u00ebnshtrohen tatimit, as p\u00ebr vet\u00eb fondin e pensionit dhe as p\u00ebr shoq\u00ebrin\u00eb administruese. Ky p\u00ebrjashtim ruhet edhe n\u00eb projektligjin e ri.<\/p>\n
Gayeta Sot<\/p>\n","protected":false},"excerpt":{"rendered":"
23 Janar 2023 Qeveria parashikon q\u00eb t\u00eb miratoj\u00eb nj\u00eb ligj t\u00eb ri p\u00ebr fondet e pensioneve private duke sjell\u00eb nj\u00eb seri ndryshimesh p\u00ebr nj\u00eb treg q\u00eb ende mbetet anemik n\u00eb vend. Vet\u00ebm nj\u00eb num\u00ebr i vog\u00ebl qytetar\u00ebsh derdhin kontribute vullnetare p\u00ebr t\u00eb p\u00ebrfituar nj\u00eb pension privat shtes\u00eb.\u00a0 Argumenti baz\u00eb se pse po b\u00ebhen k\u00ebto ndryshime […]<\/p>\n","protected":false},"author":9,"featured_media":66610,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[27,35],"tags":[],"class_list":["post-66608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu-i-udhetarit","category-shoqerore"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/01\/800-0-63ce6ebf3ec52.jpg?fit=800%2C450&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-hkk","jetpack-related-posts":[{"id":100588,"url":"https:\/\/www.shqiperia.com\/blog\/jonathan-pano-shpopullimi-nuk-eshte-rastesi-por-nje-axhende-e-qeverise\/","url_meta":{"origin":66608,"position":0},"title":"Jonathan Pano: – Shpopullimi nuk \u00ebsht\u00eb rast\u00ebsi, por nj\u00eb axhend\u00eb e qeveris\u00eb","author":"Kurt Farka","date":"May 22, 2026","format":false,"excerpt":"22 Maji 2026 I ftuar n\u00eb nj\u00eb studio televizive Jonathan Pano, an\u00ebtar i K\u00ebshillit Bashkiak t\u00eb Tiran\u00ebs nga radh\u00ebt e opozit\u00ebs, ngriti alarmin p\u00ebr ritmet e shpopullimit n\u00eb Shqip\u00ebri, duke iu referuar t\u00eb dh\u00ebnave t\u00eb Eurostat dhe analizave t\u00eb ekspert\u00ebve t\u00eb demografis\u00eb. Sipas Panos, raportimet p\u00ebr rreth 29 mij\u00eb persona\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":102130,"url":"https:\/\/www.shqiperia.com\/blog\/pensionistet-i-lini-me-100-mije-leke-qente-ne-vlore-260-euro-arriten-minimumin-jetik\/","url_meta":{"origin":66608,"position":1},"title":"Pensionist\u00ebt i lini me 100 mij\u00eb lek\u00eb, qent\u00eb n\u00eb Vlor\u00eb 260 euro, arrit\u00ebn minimumin jetik","author":"Kurt Farka","date":"July 2, 2026","format":false,"excerpt":"2 Korrik 2026 Gazetari Klevin Muka ka ironizuar deklaratat e deputetit Erion Bra\u00e7e n\u00eb koh\u00ebra fushatash,\u00a0duke sjell\u00eb n\u00eb v\u00ebmendje nj\u00eb premtim t\u00eb socialistit i cili u thoshte qytetar\u00ebve q\u00eb PS do u siguronte naft\u00ebn pa akciz\u00eb. \u201cUn\u00eb kam nj\u00eb pyetje: a e doni naft\u00ebn pa akciz\u00eb apo jo? 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Dor\u00ebshkrimi mesjetar, i dekoruar me flet\u00eb ari dhe ilustrime t\u00eb\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_image-556-1024x8191779799947-1.jpg?fit=1024%2C819&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_image-556-1024x8191779799947-1.jpg?fit=1024%2C819&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_image-556-1024x8191779799947-1.jpg?fit=1024%2C819&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_image-556-1024x8191779799947-1.jpg?fit=1024%2C819&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":100339,"url":"https:\/\/www.shqiperia.com\/blog\/cfare-ndodh-kur-vdekjet-tejkalojne-lindjet\/","url_meta":{"origin":66608,"position":4},"title":"\u00c7far\u00eb ndodh kur vdekjet tejkalojn\u00eb lindjet?","author":"Kurt Farka","date":"May 16, 2026","format":false,"excerpt":"16 Maji 2026 N\u00eb Japoni, tashm\u00eb ka kompani q\u00eb specializohen n\u00eb pastrimin e apartamenteve t\u00eb t\u00eb moshuarve q\u00eb kan\u00eb vdekur vet\u00ebm dhe jan\u00eb zbuluar jav\u00eb apo muaj m\u00eb von\u00eb, nd\u00ebrsa shitjet e pelenave p\u00ebr t\u00eb rritur kan\u00eb tejkaluar shitjet e pelenave p\u00ebr f\u00ebmij\u00eb p\u00ebr m\u00eb shum\u00eb se nj\u00eb dekad\u00eb. N\u00eb\u2026","rel":"","context":"In "Njoftime Shtypi"","block_context":{"text":"Njoftime Shtypi","link":"https:\/\/www.shqiperia.com\/blog\/category\/njoftime-shtypi\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":102331,"url":"https:\/\/www.shqiperia.com\/blog\/media-belge-pas-imazhit-reformator-te-rames-fshihet-politikani-i-akuzuar-per-korrupsion\/","url_meta":{"origin":66608,"position":5},"title":"Media belge: – Pas imazhit reformator t\u00eb Ram\u00ebs fshihet politikani i akuzuar p\u00ebr korrupsion.","author":"Kurt Farka","date":"July 7, 2026","format":false,"excerpt":"7 Korrik 2026 Transmetuesi publik belg \u201cVRT\u201d i ka kushtuar nj\u00eb artikull t\u00eb gjat\u00eb kryeministrit Edi Rama, q\u00eb nga nisja e karrier\u00ebs s\u00eb tij politike. 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