![\"\"](\"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":100136,"url":"https:\/\/www.shqiperia.com\/blog\/rreziku-nga-hantavirusi-vendet-qe-u-alarmuan-kishin-shtetasit-e-tyre-ne-anijen-turistike-epidemiologu-jo-vetem-minjte-mbartes-jane-edhe\/","url_meta":{"origin":66608,"position":0},"title":"Rreziku nga hantavirusi? \u201cVendet q\u00eb u alarmuan kishin shtetasit e tyre n\u00eb anijen turistike\u201d, epidemiologu: – Jo vet\u00ebm minjt\u00eb, mbart\u00ebs jan\u00eb edhe\u2026","author":"Kurt Farka","date":"May 12, 2026","format":false,"excerpt":"12 Maji 2026 ...Kemi edhe mbart\u00ebs t\u00eb rinj, n\u00ebse deri dje kryesor ishin minjt\u00eb, tashm\u00eb \u00ebsht\u00eb v\u00ebn\u00eb re q\u00eb bart\u00ebs t\u00eb hantavirusit, jan\u00eb edhe lakuriq\u00ebt e nat\u00ebs, edhe urith\u00ebt por edhe n\u00eb disa raste peshqit\u2026\u201d Epidemiolog Laidon Shapo foli n\u00eb emisionin \u201cStudio24\u201d \u00a0p\u00ebr hantavirusin dhe shqet\u00ebsimet q\u00eb ka ngritur ky\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\/hantavirus.jpg?fit=1200%2C674&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/hantavirus.jpg?fit=1200%2C674&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/hantavirus.jpg?fit=1200%2C674&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/hantavirus.jpg?fit=1200%2C674&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/hantavirus.jpg?fit=1200%2C674&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":100339,"url":"https:\/\/www.shqiperia.com\/blog\/cfare-ndodh-kur-vdekjet-tejkalojne-lindjet\/","url_meta":{"origin":66608,"position":1},"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":100042,"url":"https:\/\/www.shqiperia.com\/blog\/opsionet-qe-duhen-hedhur-ne-tryeze-jane-zgjedhjet-e-parakohshme\/","url_meta":{"origin":66608,"position":2},"title":"Opsionet qe duhen hedhur n\u00eb tryez\u00eb jan\u00eb: – Zgjedhjet e parakohshme","author":"Kurt Farka","date":"May 9, 2026","format":false,"excerpt":"9 Maji 2026 Analisti Genc Burimi argumenton se protestat e vazhdueshme t\u00eb opozit\u00ebs nuk jan\u00eb thjesht nj\u00eb \u00e7\u00ebshtje e brendshme, por nj\u00eb mesazh i qart\u00eb drejtuar partner\u00ebve europian\u00eb mbi kriz\u00ebn e thell\u00eb politike n\u00eb vend. 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T\u00eb m\u00ebrkur\u00ebn, jan\u00eb rikthyer aty me premier\u00ebn bot\u00ebrore t\u00eb filmit \u201cDua\u201d i cili sapo ka ndezur\u2026","rel":"","context":"In "Arte"","block_context":{"text":"Arte","link":"https:\/\/www.shqiperia.com\/blog\/category\/arte\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/37ef2b6b-d063-48f5-8586-83f85ce28603.webp?fit=1200%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/37ef2b6b-d063-48f5-8586-83f85ce28603.webp?fit=1200%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/37ef2b6b-d063-48f5-8586-83f85ce28603.webp?fit=1200%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/37ef2b6b-d063-48f5-8586-83f85ce28603.webp?fit=1200%2C768&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/37ef2b6b-d063-48f5-8586-83f85ce28603.webp?fit=1200%2C768&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":100111,"url":"https:\/\/www.shqiperia.com\/blog\/e-shnderroi-shtepine-ne-berat-ne-muze-artizania-tefta-qose-500-kostume-popullore-puna-e-nje-jete\/","url_meta":{"origin":66608,"position":4},"title":"E shnd\u00ebrroi sht\u00ebpin\u00eb n\u00eb Berat n\u00eb muze, artizania Tefta Qose: – 500 kostume popullore, puna e nj\u00eb jete","author":"Kurt Farka","date":"May 11, 2026","format":false,"excerpt":"11 Mars 2026 N\u00eb nj\u00eb koh\u00eb kur shum\u00eb tradita rrezikojn\u00eb t\u00eb harrohen, Tefta Qose vazhdon t\u00eb mbaj\u00eb gjall\u00eb artin e krijimit t\u00eb veshjeve popullore. Prej disa vitesh, ajo e ka shnd\u00ebrruar sht\u00ebpin\u00eb e saj n\u00eb lagjen \u201cBarrikad\u00eb\u201d n\u00eb nj\u00eb muze t\u00eb ve\u00e7ant\u00eb, ku \u00e7do cep rr\u00ebfen histori, nd\u00ebrsa \u00e7do veshje\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\/Kostumet-e-Tefta-Qoses-1.jpg?fit=1200%2C798&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Kostumet-e-Tefta-Qoses-1.jpg?fit=1200%2C798&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Kostumet-e-Tefta-Qoses-1.jpg?fit=1200%2C798&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Kostumet-e-Tefta-Qoses-1.jpg?fit=1200%2C798&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Kostumet-e-Tefta-Qoses-1.jpg?fit=1200%2C798&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":100540,"url":"https:\/\/www.shqiperia.com\/blog\/propozimi-per-kredi-hua-100-mln-euro-per-shkodren-bozdo-ministrit-karakaci-na-thoni-nje-projekt-konkret\/","url_meta":{"origin":66608,"position":5},"title":"Propozimi p\u00ebr kredi (hua) 100 mln euro p\u00ebr Shkodr\u00ebn, Bozdo, ministrit Karaka\u00e7i: – Na thoni nj\u00eb projekt konkret\u2026","author":"Kurt Farka","date":"May 21, 2026","format":false,"excerpt":"21 Maji 2026 Nj\u00eb fond prej 100 milion\u00eb eurosh, i parashikuar si hua p\u00ebr projekte infrastrukturore n\u00eb veri t\u00eb vendit, ka ndezur nj\u00eb debat t\u00eb ashp\u00ebr gjat\u00eb komisionit parlamentar. 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