\u00a0<\/span>q\u00eb ka b\u00ebr\u00eb nj\u00eb vler\u00ebsim t\u00eb profilit t\u00eb Shqip\u00ebris\u00eb n\u00eb aspektin e zhvillimit urban, strehimit dhe menaxhimit t\u00eb tok\u00ebs n\u00ebnvizon gjithashtu se rritja e \u00e7mimeve mund t\u00eb jet\u00eb ndikuar ndoshta edhe nga pastrimi i parave.<\/p>\n\u201cZhvillimet formale t\u00eb organizuara synojn\u00eb segmente t\u00eb banesave me \u00e7mime t\u00eb larta. Deri n\u00eb 32 p\u00ebr qind e pronave rezidenciale dhe komerciale t\u00eb shitura n\u00eb gjasht\u00ebmujorit t\u00eb par\u00eb t\u00eb vitit 2021 jan\u00eb bler\u00eb nga jorezident\u00eb; pastrimi i parave ndoshta ka qen\u00eb nj\u00eb faktor kontribuues i rritjes s\u00eb \u00e7mimeve n\u00eb Tiran\u00eb dhe n\u00eb zonat bregdetare.<\/p>\n
Tirana \u00ebsht\u00eb nd\u00ebr shtat\u00eb qytetet kryesore evropiane me nivele t\u00eb larta t\u00eb pap\u00ebrballueshm\u00ebris\u00eb s\u00eb banesave\u201d thuhet n\u00eb raportin e dedikuar p\u00ebr Shqip\u00ebrin\u00eb.<\/p>\n
Ky i fundit n\u00eb k\u00ebt\u00eb kontekst analizon se blerja e nj\u00eb banese nga familjet me t\u00eb ardhura t\u00eb ul\u00ebta \u00ebsht\u00eb b\u00ebr\u00eb e v\u00ebshtir\u00eb ose e pap\u00ebrballueshme.<\/p>\n
\u201cN\u00eb k\u00ebt\u00eb sfond, nd\u00ebrtesat me shum\u00eb apartamente t\u00eb trash\u00ebguara nga epoka socialiste vuajn\u00eb nga mungesa e investimeve dhe mungesa e mir\u00ebmbajtjes. Shkalla e mbipopullimit p\u00ebr popullsin\u00eb e p\u00ebrgjithshme \u00ebsht\u00eb m\u00eb shum\u00eb se 58 p\u00ebr qind, q\u00eb \u00ebsht\u00eb m\u00eb e larta n\u00eb Evrop\u00eb, me p\u00ebrjashtim t\u00eb Malit t\u00eb Zi.<\/p>\n
K\u00ebto pabarazi strukturore n\u00eb tregjet e banesave e b\u00ebjn\u00eb t\u00eb pap\u00ebrballueshme aksesin n\u00eb strehim p\u00ebr grupet me t\u00eb ardhura t\u00eb ul\u00ebta\u201d vler\u00ebson raporti.<\/p>\n
Dokumenti i publikuar s\u00eb fundmi parashtron se n\u00eb Shqip\u00ebri, neni 59 i Kushtetut\u00ebs njeh t\u00eb drejt\u00ebn p\u00ebr strehim t\u00eb p\u00ebrshtatsh\u00ebm dhe t\u00eb p\u00ebrballuesh\u00ebm si nj\u00eb t\u00eb objektivave social\u00eb t\u00eb Shtetit Shqiptar dhe neni 18 p\u00ebr barazin\u00eb, siguron mbrojtjen e grupeve t\u00eb ndryshme shoq\u00ebrore kund\u00ebr \u00e7do forme diskriminimi.<\/p>\n
\u201cMegjithat\u00eb, pas privatizimit masiv dhe nd\u00ebrtimeve informale n\u00eb vitet 1990, sektori i banesave n\u00eb Shqip\u00ebri dominohet nga zot\u00ebrimi privat i sht\u00ebpive, me shum\u00eb sht\u00ebpi t\u00eb reja t\u00eb vet\u00eb-nd\u00ebrtuara dhe nd\u00ebrtesa t\u00eb tjera t\u00eb ngritura fillimisht ilegalisht dhe n\u00eb zonat e banuara.<\/p>\n
Sektori me qira i banesave sociale (qoft\u00eb publik, privat apo i p\u00ebrzier) n\u00eb Shqip\u00ebri \u00ebsht\u00eb shum\u00eb i vog\u00ebl, duke p\u00ebrfaq\u00ebsuar rreth 0.1% t\u00eb totalit t\u00eb banesave t\u00eb banuara.<\/p>\n
Ky sektor nuk mund t\u00eb konkurroj\u00eb tregun privat. Tregu i banesave me kredi hipotekore sapo po zhvillohet (pjesa e pronar\u00ebve t\u00eb sht\u00ebpive q\u00eb paguajn\u00eb nj\u00eb kredi t\u00eb till\u00eb \u00ebsht\u00eb m\u00eb e vog\u00ebl se 1 p\u00ebr qind).<\/p>\n
Kjo \u00ebsht\u00eb pjes\u00ebrisht p\u00ebr shkak t\u00eb rolit t\u00eb r\u00ebnd\u00ebsish\u00ebm t\u00eb sektorit informal dhe t\u00eb vet\u00eb-nd\u00ebrtuar ku aktiviteti i nd\u00ebrtimit b\u00ebhet p\u00ebrmes parave \u201ccash\u201d dhe remitancave\u201d thuhet n\u00eb raport.<\/p>\n
Ky i fundit sjell n\u00eb v\u00ebmendje edhe disa rekomandime q\u00eb mund t\u00eb merren nga institucionet n\u00eb vendin ton\u00eb p\u00ebr t\u00eb ndihmuar grupet m\u00eb t\u00eb dob\u00ebta dhe v\u00ebnies n\u00eb funksion n\u00eb mekanizmave p\u00ebr akses n\u00eb strehimin social. Monitori<\/p>\n","protected":false},"excerpt":{"rendered":"
1 Dhjetor 2023 Tirana cil\u00ebsohet si nj\u00eb nga shtat\u00eb kryeqytetet kryesore europiane me nivele t\u00eb larta t\u00eb pap\u00ebrballueshm\u00ebris\u00eb s\u00eb blerjes s\u00eb nj\u00eb banese. Nj\u00eb raport i\u00a0Komisionit Ekonomik p\u00ebr Europ\u00ebn n\u00eb Kombet e Bashkuara\u00a0q\u00eb ka b\u00ebr\u00eb nj\u00eb vler\u00ebsim t\u00eb profilit t\u00eb Shqip\u00ebris\u00eb n\u00eb aspektin e zhvillimit urban, strehimit dhe menaxhimit t\u00eb tok\u00ebs n\u00ebnvizon gjithashtu se rritja […]<\/p>\n","protected":false},"author":9,"featured_media":75951,"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":[27,1,2,35],"tags":[],"class_list":["post-75950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu-i-udhetarit","category-njoftime-shtypi","category-politika","category-shoqerore"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2023\/12\/800-0-f6dbe684247bdf61929cfaef1f965cc6.jpg?fit=800%2C527&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-jL0","jetpack-related-posts":[{"id":103343,"url":"https:\/\/www.shqiperia.com\/blog\/afera-e-kazinose-ne-air-albania-ekspertja-te-hetohet-pastrimi-i-parave-ku-qarkullojne-33-milione-euro\/","url_meta":{"origin":75950,"position":0},"title":"Afera e kazinos\u00eb n\u00eb \u2018Air Albania\u2019, ekspertja: – T\u00eb hetohet pastrimi i parave, ku qarkullojn\u00eb 33 milion\u00eb euro?","author":"Kurt Farka","date":"July 28, 2026","format":false,"excerpt":"28 Korrik 2026 Mbi skem\u00ebn e licencimit t\u00eb kazinos\u00eb n\u00eb Kull\u00ebn e stadiumit \u201cAir Albania\u201d, pas t\u00eb cilit q\u00ebndrojn\u00eb njer\u00ebz t\u00eb lidhur ngusht\u00ebsisht me Olsi Ram\u00ebn, q\u00eb dyshohet t\u00eb jen\u00eb p\u00ebrdorur si prestanome nga v\u00ebllai I kryeministrit. N\u00eb k\u00ebt\u00eb afer\u00eb nj\u00eb prej skandaleve m\u00eb t\u00eb m\u00ebdha \u00ebsht\u00eb mashtrimi dhe blerja\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\/07\/Ols-Rama.png?fit=600%2C400&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/Ols-Rama.png?fit=600%2C400&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/Ols-Rama.png?fit=600%2C400&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":113023,"url":"https:\/\/www.shqiperia.com\/blog\/moodys-paralajmeron-shqiperine-cmimet-e-banesave-ne-rritje-rrezikojne-stabilitetin-financiar\/","url_meta":{"origin":75950,"position":1},"title":"Moody\u2019s paralajm\u00ebron Shqip\u00ebrin\u00eb: – \u00c7mimet e banesave n\u00eb rritje rrezikojn\u00eb stabilitetin financiar","author":"Kurt Farka","date":"September 21, 2026","format":false,"excerpt":"21 Shtator 2026 Rritja e shpejt\u00eb e \u00e7mimeve t\u00eb banesave dhe ekspozimi i sektorit bankar ndaj tregut t\u00eb pasurive t\u00eb paluajtshme po shnd\u00ebrrohen n\u00eb nj\u00eb nga rreziqet q\u00eb mund ta ekspozojn\u00eb ekonomin\u00eb shqiptare ndaj goditjeve t\u00eb papritura. Paralajm\u00ebrimi vjen nga agjencia nd\u00ebrkomb\u00ebtare e vler\u00ebsimit Moody\u2019s, e cila, ndon\u00ebse p\u00ebrmir\u00ebsoi perspektiv\u00ebn\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\/09\/640-0-7bf5423d07b59d44fae5aec86830e1aa.jpg?fit=640%2C350&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/09\/640-0-7bf5423d07b59d44fae5aec86830e1aa.jpg?fit=640%2C350&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/09\/640-0-7bf5423d07b59d44fae5aec86830e1aa.jpg?fit=640%2C350&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":101110,"url":"https:\/\/www.shqiperia.com\/blog\/banesat-po-shtrenjtohen-cmimet-e-apartamenteve-rriten-shume-me-teper-se-kostot-e-ndertimit\/","url_meta":{"origin":75950,"position":2},"title":"Banesat po shtrenjtohen, \u00e7mimet e apartamenteve rriten shum\u00eb m\u00eb tep\u00ebr se kostot e nd\u00ebrtimit","author":"Kurt Farka","date":"June 4, 2026","format":false,"excerpt":"4 Qershor 2026 Nd\u00ebrtimi mbetet nj\u00eb nga sektor\u00ebt m\u00eb aktiv\u00eb t\u00eb ekonomis\u00eb shqiptare, por zhvillimet e fundit tregojn\u00eb se rritja e \u00e7mimeve t\u00eb banesave nuk po ec\u00ebn m\u00eb me t\u00eb nj\u00ebjtin rit\u00ebm si kostot e nd\u00ebrtimit. T\u00eb dh\u00ebnat e publikuara nga INSTAT tregojn\u00eb se Indeksi i Kushtimit n\u00eb Nd\u00ebrtim p\u00ebr\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\/06\/vlcsnap-2026-06-04-15h38m13s375_sd-800x450-1.webp?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/vlcsnap-2026-06-04-15h38m13s375_sd-800x450-1.webp?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/vlcsnap-2026-06-04-15h38m13s375_sd-800x450-1.webp?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/vlcsnap-2026-06-04-15h38m13s375_sd-800x450-1.webp?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":104795,"url":"https:\/\/www.shqiperia.com\/blog\/shqiperia-parajse-per-te-huajt-tani-po-kthehen-ne-investitor-largohen-vendasit\/","url_meta":{"origin":75950,"position":3},"title":"Shqip\u00ebria, parajs\u00eb p\u00ebr t\u00eb huajt, tani po kthehen n\u00eb investitor. – Largohen Vendasit","author":"Kurt Farka","date":"August 20, 2026","format":false,"excerpt":"20 Gusht 2026 Shqip\u00ebria prej disa vitesh po kalon nj\u00eb transformim t\u00eb vazhduesh\u00ebm n\u00eb tregun e banesave, duke u kthyer nga nj\u00eb treg lokal n\u00eb nj\u00eb destinacion gjithnj\u00eb e m\u00eb t\u00ebrheq\u00ebs p\u00ebr t\u00eb huajt. N\u00eb nj\u00eb koh\u00eb kur vendet e Europ\u00ebs Per\u00ebndimore, por edhe m\u00eb gjer\u00eb, p\u00ebrballen me kosto t\u00eb\u2026","rel":"","context":"In "Histori"","block_context":{"text":"Histori","link":"https:\/\/www.shqiperia.com\/blog\/category\/histori\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-apartamente-1-1231-1.jpg?fit=866%2C577&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-apartamente-1-1231-1.jpg?fit=866%2C577&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-apartamente-1-1231-1.jpg?fit=866%2C577&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/08\/ChatGPT-apartamente-1-1231-1.jpg?fit=866%2C577&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":103571,"url":"https:\/\/www.shqiperia.com\/blog\/tregu-i-pronave-ne-shqiperi-cmimet-rriten-me-shpejt-se-pagat-rrezik-mbivleresimi\/","url_meta":{"origin":75950,"position":4},"title":"Tregu i pronave n\u00eb Shqip\u00ebri\/ \u00c7mimet rriten m\u00eb shpejt se pagat, rrezik mbivler\u00ebsimi","author":"Kurt Farka","date":"August 1, 2026","format":false,"excerpt":"1 Gusht 2026 A \u00ebsht\u00eb tregu imobiliar shqiptar n\u00eb nj\u00eb fllusk\u00eb, apo rritja e \u00e7mimeve mb\u00ebshtetet ende nga faktor\u00eb ekonomik\u00eb? Nj\u00eb perspektiv\u00eb investimi e bazuar n\u00eb t\u00eb dh\u00ebna nga Banka e Shqip\u00ebris\u00eb, INSTAT, Fondi Monetar Komb\u00ebtar dhe Banka Bot\u00ebrore Tregu i pasurive t\u00eb paluajtshme \u00ebsht\u00eb mesatarisht i mbivler\u00ebsuar, por nuk\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\/08\/OIP-1-1.webp?fit=474%2C249&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":102113,"url":"https:\/\/www.shqiperia.com\/blog\/ppe-pa-qeveri-teknike-nuk-garantohet-integriteti-i-zgjedhjeve\/","url_meta":{"origin":75950,"position":5},"title":"PPE: Pa qeveri teknike nuk garantohet integriteti i zgjedhjeve","author":"Kurt Farka","date":"July 1, 2026","format":false,"excerpt":"1 Korrik 2026 N\u00eb Asamblen\u00eb Politike t\u00eb Partive Popullore n\u00eb Vjen\u00eb u prezantuan edhe gjetjet e raportit t\u00eb Misionit faktmbledh\u00ebs n\u00eb Shqip\u00ebri. n\u00eb nj\u00eb raport t\u00eb detajuar jepen t\u00eb dh\u00ebna alarmante se si kartelet dhe organizatat kriminale kan\u00eb dep\u00ebrtuar deri n\u00eb strukturat m\u00eb t\u00eb larta shtet\u00ebrore. Skanali i Belinda Ballukut\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\/07\/OIP-1.webp?fit=474%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/75950","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/comments?post=75950"}],"version-history":[{"count":4,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/75950\/revisions"}],"predecessor-version":[{"id":75955,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/75950\/revisions\/75955"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/media\/75951"}],"wp:attachment":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/media?parent=75950"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/categories?post=75950"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/tags?post=75950"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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<\/p>\n