{"id":78338,"date":"2024-02-16T15:27:54","date_gmt":"2024-02-16T15:27:54","guid":{"rendered":"https:\/\/www.shqiperia.com\/blog\/?p=78338"},"modified":"2024-02-16T15:27:54","modified_gmt":"2024-02-16T15:27:54","slug":"frike-nga-flluskat-financiare-banka-e-shqiperise-me-rregullore-te-re-per-kredite","status":"publish","type":"post","link":"https:\/\/www.shqiperia.com\/blog\/frike-nga-flluskat-financiare-banka-e-shqiperise-me-rregullore-te-re-per-kredite\/","title":{"rendered":"Frik\u00eb nga \u201cflluskat financiare\u201d! – Banka e Shqip\u00ebris\u00eb me rregullore t\u00eb re p\u00ebr kredit\u00eb"},"content":{"rendered":"
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16 Shkurt 2024<\/p>\n

Banka e Shqip\u00ebris\u00eb ka miratuar nj\u00eb rregullore t\u00eb n\u00eb t\u00eb cil\u00ebn parashikon t\u00eb forcoj\u00eb kontrollin dhe kriteret p\u00ebr dh\u00ebnien e kredive n\u00eb pasurit\u00eb e paluajtshme.<\/p>\n<\/div>\n

K\u00ebshtu n\u00eb vendimin e botuar n\u00eb fletoren zyrtare institucioni monetar i k\u00ebrkon bankave t\u00eb nivelit t\u00eb dyt\u00eb q\u00eb nga 24 marsi i vitit t\u00eb ardhsh\u00ebm t\u00eb miratojn\u00eb rregulloren e re.<\/p>\n

Rregullorja vendos disa tavane ekspozimi p\u00ebr t\u00eb gjith\u00eb bankat e nivelit t\u00eb dyt\u00eb ndaj kreditimit t\u00eb pasurive t\u00eb paluajtshme. Gjithashtu synohet q\u00eb t\u00eb mblidhen m\u00eb shum\u00eb t\u00eb dh\u00ebna n\u00eb formular\u00ebt q\u00eb kredimarr\u00ebsit plot\u00ebsojn\u00eb.<\/p>\n

N\u00eb nenet q\u00eb bashk\u00ebshoq\u00ebrojn\u00eb vendimin p\u00ebrfshihen kujdesi q\u00eb duhet treguar p\u00ebr vler\u00ebsimin e pasuris\u00eb s\u00eb paluajtshme, kujdesi p\u00ebr leht\u00ebsit\u00eb e rifinancimit dhe marrjen e masave p\u00ebr kontrollin e rreziqeve nga ekspozimet.<\/p>\n

K\u00ebto rregulla t\u00eb forcuara p\u00ebr kredidh\u00ebnien vijn\u00eb n\u00eb nj\u00eb periudh\u00eb kur \u00e7mimet e pasurive t\u00eb paluajtshme pas nj\u00eb rritje t\u00eb fort\u00eb 5 vje\u00e7are kan\u00eb filluar t\u00eb ngadal\u00ebsohen gjat\u00eb k\u00ebtij viti, p\u00ebr t\u00eb zbritur tek norma 11.6%, pran\u00eb mesatares historike.<\/p>\n

Kjo rregullore vjen si mas\u00eb paraprake p\u00ebr t\u00eb shmangur n\u00eb t\u00eb ardhmen at\u00eb q\u00eb i frik\u00ebsohen t\u00eb gjith\u00eb, nj\u00eb flluske financiare. Tashm\u00eb rreziku \u00ebsht\u00eb ekzistent, nd\u00ebrsa periudhat e gjata inflacioniste g\u00ebrryejn\u00eb fuqin\u00eb bler\u00ebse t\u00eb individ\u00ebve dhe familjeve, duke sjell\u00eb efekt t\u00eb menj\u00ebhersh\u00ebm te pronat, q\u00eb p\u00ebrb\u00ebjn\u00eb pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb kreditimi p\u00ebr bankat. Gjithashtu Banka e Shqip\u00ebris\u00eb n\u00eb nj\u00eb tjet\u00ebr vrojtim p\u00ebrcakton se ristrukturimet m\u00eb t\u00eb m\u00ebdha t\u00eb kredive gjat\u00eb vitit t\u00eb shkuar u b\u00ebn\u00eb pik\u00ebrisht p\u00ebr sektorin e nd\u00ebrtimit<\/p>\n

Top Channel<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

16 Shkurt 2024 Banka e Shqip\u00ebris\u00eb ka miratuar nj\u00eb rregullore t\u00eb n\u00eb t\u00eb cil\u00ebn parashikon t\u00eb forcoj\u00eb kontrollin dhe kriteret p\u00ebr dh\u00ebnien e kredive n\u00eb pasurit\u00eb e paluajtshme. K\u00ebshtu n\u00eb vendimin e botuar n\u00eb fletoren zyrtare institucioni monetar i k\u00ebrkon bankave t\u00eb nivelit t\u00eb dyt\u00eb q\u00eb nga 24 marsi i vitit t\u00eb ardhsh\u00ebm t\u00eb miratojn\u00eb […]<\/p>\n","protected":false},"author":9,"featured_media":78339,"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":[27,1,35],"tags":[],"class_list":["post-78338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu-i-udhetarit","category-njoftime-shtypi","category-shoqerore"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/02\/1682620074_banka-1.jpg?fit=1280%2C720&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-knw","jetpack-related-posts":[{"id":100023,"url":"https:\/\/www.shqiperia.com\/blog\/pas-ballukut-anila-denaj-vihet-ne-rresht-detyroi-doganat-te-ndalin-veprimet-ndaj-bankers-petroleum\/","url_meta":{"origin":78338,"position":0},"title":"Pas Ballukut, Anila Denaj \u2018vihet n\u00eb rresht\u2019, detyroi doganat t\u00eb ndalin veprimet ndaj Bankers Petroleum","author":"Kurt Farka","date":"May 8, 2026","format":false,"excerpt":"8 Maji 2026 Pasi Belinda Balluku, kreu detyr\u00ebn e saj, duke b\u00ebr\u00eb eksperten e naft\u00ebs dhe ligjeve fiskale, tashm\u00eb brenda s\u00eb nj\u00ebjt\u00ebs dit\u00eb edhe Ministrja Anila Denaj arrin t\u00eb analizoj\u00eb t\u00eb gjith\u00eb parashtrimet e Ballukut dhe t\u00eb abuzoj\u00eb me detyr\u00ebn e saj duke iu drejtuar Doganave q\u00eb t\u00eb ndalin \u00e7do\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\/hq720-1.jpg?fit=686%2C386&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/hq720-1.jpg?fit=686%2C386&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/hq720-1.jpg?fit=686%2C386&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":100045,"url":"https:\/\/www.shqiperia.com\/blog\/perplasje-ne-protesten-e-opozites-kikia-veprimet-e-policise-ishin-te-pajustifikuara-dhe-disproporcionale\/","url_meta":{"origin":78338,"position":1},"title":"P\u00ebrplasje n\u00eb protest\u00ebn e opozit\u00ebs, Kikia: – Veprimet e policis\u00eb ishin t\u00eb pajustifikuara dhe disproporcionale!","author":"Kurt Farka","date":"May 9, 2026","format":false,"excerpt":"9 Maji 2026 Protesta e radh\u00ebs e organizuar nga Partia Demokratike u shoq\u00ebrua me tensione dhe p\u00ebrplasje mes protestuesve dhe forcave t\u00eb policis\u00eb. 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