{"id":84747,"date":"2024-09-20T04:18:21","date_gmt":"2024-09-20T04:18:21","guid":{"rendered":"https:\/\/www.shqiperia.com\/blog\/?p=84747"},"modified":"2024-09-20T04:18:39","modified_gmt":"2024-09-20T04:18:39","slug":"kredite-per-shtepi-do-kufizohen-banka-e-shqiperise-ne-skaner-huate-per-pasurite-e-paluajtshme-po-vleresojme-ekspozimin-e-bankave-ndaj-sektorit","status":"publish","type":"post","link":"https:\/\/www.shqiperia.com\/blog\/kredite-per-shtepi-do-kufizohen-banka-e-shqiperise-ne-skaner-huate-per-pasurite-e-paluajtshme-po-vleresojme-ekspozimin-e-bankave-ndaj-sektorit\/","title":{"rendered":"Kredit\u00eb p\u00ebr sht\u00ebpi do ‘kufizohen’, Banka e Shqip\u00ebris\u00eb n\u00eb ‘skaner’ huat\u00eb p\u00ebr pasurit\u00eb e paluajtshme: – Po vler\u00ebsojm\u00eb ekspozimin e bankave ndaj sektorit"},"content":{"rendered":"
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Nga Eliza Gjediku<\/a><\/span><\/p>\n

P\u00ebrball\u00eb \u00e7mimeve t\u00eb larta t\u00eb banesave qytetar\u00ebt po ju drejtohen gjithnj\u00eb e m\u00eb shum\u00eb bankave p\u00ebr t\u00eb marr\u00eb kredi. Por ekspozimi i bankave duke dh\u00ebn\u00eb shum\u00eb kredi p\u00ebr sektorin e pasurive t\u00eb paluajtshme do t\u00eb kufizohet nga Banka e Shqip\u00ebris\u00eb, p\u00ebr t\u00eb shmangur rritjen e kredive me probleme. M\u00eb shum\u00eb se 50% e pronave t\u00eb shitura prej vitit 2020 jan\u00eb bler\u00eb me kredi bankare, q\u00eb ka mbuluar mbi 60% t\u00eb vler\u00ebs s\u00eb pron\u00ebs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Dyert e bankave po frekuentohen m\u00eb shum\u00eb nga qytetar\u00ebt dhe bizneset vitet e fundit, kur vendosi t\u00eb blejn\u00eb pasuri t\u00eb paluajtshme. P\u00ebr shkak t\u00eb \u00e7mimeve t\u00eb larta t\u00eb apartamenteve p\u00ebr banim, apo zyrave p\u00ebr biznes, burimi kryesor i financimit \u00ebsht\u00eb kredia, q\u00eb vitet e fundit po shtohet ndjesh\u00ebm p\u00ebr k\u00ebt\u00eb sektor. 38% e kredis\u00eb s\u00eb dh\u00ebn\u00eb nga bankat nga janari deri n\u00eb qershor ishte p\u00ebr pasuri t\u00eb paluajtshme, me rritje t\u00eb fort\u00eb n\u00eb raport me vjet.<\/p>\n

\u201cN\u00eb fund t\u00eb gjasht\u00ebmujorit, teprica e kredis\u00eb p\u00ebr k\u00ebt\u00eb segment sh\u00ebnoi vler\u00ebn 180 miliard\u00eb lek\u00eb, duke u rritur me 7% dhe 13% n\u00eb terma gjasht\u00ebmujor\u00eb dhe vjetor\u00eb\u201d, thuhet n\u00eb raportin e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr stabilitetin financiar.<\/div>\n

Por, kredidh\u00ebnia p\u00ebr pasuri t\u00eb paluajtshme, do t\u00eb kufizohet p\u00ebr shkak t\u00eb ekspozimit t\u00eb madh q\u00eb bankat kan\u00eb ndaj k\u00ebtij sektori. Bankat kan\u00eb nisur t\u00eb raportojn\u00eb se sa \u00ebsht\u00eb ekspozimi i tyre n\u00eb kredidh\u00ebnie ndaj sektorit t\u00eb pasurive t\u00eb paluajtshme, pra sa \u00ebsht\u00eb totali i kredis\u00eb s\u00eb dh\u00ebn\u00eb p\u00ebr ekonomin\u00eb, dhe sa prej saj i takon sektorit t\u00eb pasurive t\u00eb patundshme. T\u00eb dh\u00ebnat po analizohen nga Banka e Shqip\u00ebris\u00eb dhe do t\u00eb mund t\u00eb p\u00ebrdoren p\u00ebr t\u00eb vler\u00ebsuar n\u00ebse ky ekspozim paraqet rrezik p\u00ebr rritjen e kredive me probleme.<\/p>\n

Pas k\u00ebsaj faze, n\u00ebse do t\u00eb jet\u00eb e nevojshme t\u00eb dh\u00ebnat do t\u00eb mund t\u00eb p\u00ebrdoren nga Banka e Shqip\u00ebris\u00eb p\u00ebr t\u00eb caktuar tavane p\u00ebr mas\u00ebn e kredis\u00eb q\u00eb do mund t\u00eb japin bankat p\u00ebr blerje pasurie t\u00eb patundshme. P\u00ebrshembull, n\u00ebse nj\u00eb bank\u00eb financon deri n\u00eb 80% blerjen e nj\u00eb banese, n\u00eb rast rreziku ky financim mund t\u00eb kufizohet edhe m\u00eb posht\u00eb n\u00eb 60 apo 70%.<\/p>\n

Nga analizat q\u00eb Banka aktualisht po b\u00ebn mund t\u00eb ket\u00eb edhe masa shtes\u00eb n\u00eb forcimin e kushteve t\u00eb kreditimit p\u00ebr sht\u00ebpit\u00eb e dyta ose m\u00eb shum\u00eb. V\u00ebmendje e shtuar do t\u00eb jet\u00eb edhe tek aft\u00ebsia paguese, pra p\u00ebr t\u00eb vler\u00ebsuar n\u00ebse t\u00eb ardhurat e kredi marr\u00ebsit mjaftojn\u00eb p\u00ebr t\u00eb shlyer kredin\u00eb, dhe rreziku p\u00ebr tu kthyer n\u00eb kredi marr\u00ebs t\u00eb keq.<\/p>\n

Rregullorja e p\u00ebr monitorimin e Bankave ndaj ekspozimit n\u00eb k\u00ebt\u00eb sektor hyri n\u00eb fuqi vjet, dhe rezultatet e para mbi k\u00ebto tregues pritet t\u00eb publikohen n\u00eb muajit n\u00eb vijim. Masa q\u00eb do t\u00eb nd\u00ebrmerren do t\u00eb seleksionojn\u00eb edhe kategorit\u00eb q\u00eb do t\u00eb mund t\u00eb marrin kredi. Shum\u00eb qytetar\u00eb mund t\u00eb mos ken\u00eb akses n\u00ebp\u00ebr banka, por nga ana tjet\u00ebr k\u00ebshtu thot\u00eb Banka rritet cil\u00ebsia e portofolit t\u00eb kredis\u00eb.<\/p>\n

Referuar shifrave zyrtare t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb prej vitit 2020 deri n\u00eb fund t\u00eb qershorit 2024, afro 51% e pronave q\u00eb agjent\u00ebt kan\u00eb shitur jan\u00eb bler\u00eb me kredi bankare ku n\u00eb shumic\u00ebn prej tyre vlera e kredis\u00eb s\u00eb marr\u00eb ka mbuluar deri n\u00eb 65% t\u00eb vler\u00ebs s\u00eb pron\u00ebs. Aktualisht sektori i pasurive t\u00eb paluajtshme kryeson, me financimin m\u00eb t\u00eb madh t\u00eb marr\u00eb nga bankat. Vet\u00ebm n\u00eb 7 muajit e k\u00ebtij viti \u00ebsht\u00eb marr\u00eb 4.5 miliard\u00eb lek\u00eb kredi p\u00ebr pasuri t\u00eb paluajtshme, nga 3.1 miliard\u00eb lek\u00eb q\u00eb ishte vlera vjet.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Nga Eliza Gjediku P\u00ebrball\u00eb \u00e7mimeve t\u00eb larta t\u00eb banesave qytetar\u00ebt po ju drejtohen gjithnj\u00eb e m\u00eb shum\u00eb bankave p\u00ebr t\u00eb marr\u00eb kredi. Por ekspozimi i bankave duke dh\u00ebn\u00eb shum\u00eb kredi p\u00ebr sektorin e pasurive t\u00eb paluajtshme do t\u00eb kufizohet nga Banka e Shqip\u00ebris\u00eb, p\u00ebr t\u00eb shmangur rritjen e kredive me probleme. M\u00eb shum\u00eb se 50% […]<\/p>\n","protected":false},"author":9,"featured_media":84748,"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-84747","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\/09\/1s.jpg?fit=1200%2C776&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-m2T","jetpack-related-posts":[{"id":78338,"url":"https:\/\/www.shqiperia.com\/blog\/frike-nga-flluskat-financiare-banka-e-shqiperise-me-rregullore-te-re-per-kredite\/","url_meta":{"origin":84747,"position":0},"title":"Frik\u00eb nga \u201cflluskat financiare\u201d! – Banka e Shqip\u00ebris\u00eb me rregullore t\u00eb re p\u00ebr kredit\u00eb","author":"Kurt Farka","date":"February 16, 2024","format":false,"excerpt":"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\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\/2024\/02\/1682620074_banka-1.jpg?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/02\/1682620074_banka-1.jpg?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/02\/1682620074_banka-1.jpg?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/02\/1682620074_banka-1.jpg?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/02\/1682620074_banka-1.jpg?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":28976,"url":"https:\/\/www.shqiperia.com\/blog\/dalin-shifrat-pas-termetit-ja-sa-eshte-kredia-e-marre-per-banesat-ne-durres\/","url_meta":{"origin":84747,"position":1},"title":"Dalin shifrat pas t\u00ebrmetit, ja sa \u00ebsht\u00eb kredia e marr\u00eb p\u00ebr banesat ne Durres. –","author":"Kurt Farka","date":"December 6, 2019","format":false,"excerpt":"Dalin shifrat pas t\u00ebrmetit, ja sa \u00ebsht\u00eb kredia e marr\u00eb p\u00ebr banesat ne Durres 5 dhjetor \u00a02019 Stoku i kredis\u00eb q\u00eb banor\u00ebt e Durr\u00ebsit kan\u00eb marr\u00eb p\u00ebr blerje banesash n\u00eb fund t\u00eb tremujorit t\u00eb tret\u00eb t\u00eb k\u00ebtij viti ishte 8.8 miliard\u00eb lek\u00eb, ose rreth 72 milion\u00eb euro, sipas statistikave 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\/2019\/12\/WhatsApp-Image-2019-12-04-at-18.13.15-905x395.jpeg?fit=905%2C395&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2019\/12\/WhatsApp-Image-2019-12-04-at-18.13.15-905x395.jpeg?fit=905%2C395&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2019\/12\/WhatsApp-Image-2019-12-04-at-18.13.15-905x395.jpeg?fit=905%2C395&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2019\/12\/WhatsApp-Image-2019-12-04-at-18.13.15-905x395.jpeg?fit=905%2C395&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":14200,"url":"https:\/\/www.shqiperia.com\/blog\/fluturon-paraja-jashte-bankave-arrin-ne-2-1-miliarde-euro-nivelet-me-te-larta-ne-9-vjet\/","url_meta":{"origin":84747,"position":2},"title":"\u2018Fluturon\u2019 paraja jasht\u00eb bankave, arrin n\u00eb 2.1 miliard\u00eb euro. Nivelet m\u00eb t\u00eb larta n\u00eb 9 vjet. –","author":"Kurt Farka","date":"November 29, 2018","format":false,"excerpt":"\u2018Fluturon\u2019 paraja jasht\u00eb bankave, arrin n\u00eb 2.1 miliard\u00eb euro. Nivelet m\u00eb t\u00eb larta n\u00eb 9 vjet. - \u00a0 Nga Gazeta Panorama.- Nd\u00ebrsa e gjith\u00eb bota po shkon drejt ekonomis\u00eb pa cash, duke e kufizuar n\u00eb minimum p\u00ebrdorimin e paras\u00eb fizike, n\u00eb Shqip\u00ebri po ndodh krejt e kund\u00ebrta. Paraja jasht\u00eb kanaleve\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\/2018\/11\/1543404771_678333original.jpeg?fit=539%2C305&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2018\/11\/1543404771_678333original.jpeg?fit=539%2C305&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2018\/11\/1543404771_678333original.jpeg?fit=539%2C305&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":85102,"url":"https:\/\/www.shqiperia.com\/blog\/parate-e-pista-rrisin-cash-in-ne-vend-150-mln-euro-me-shume-jashte-bankave\/","url_meta":{"origin":84747,"position":3},"title":"\u2018Parat\u00eb e pista\u2019 rrisin \u2018cash\u2019-in n\u00eb vend, 150 mln euro m\u00eb shum\u00eb jasht\u00eb bankave","author":"Kurt Farka","date":"September 28, 2024","format":false,"excerpt":"\u00a0 18 Shtator 2024 Pagesat me para n\u00eb dor\u00eb vijojn\u00eb t\u00eb mbizot\u00ebrojn\u00eb n\u00eb ekonomin\u00eb shqiptare. 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2x"},"classes":[]},{"id":20136,"url":"https:\/\/www.shqiperia.com\/blog\/kryetari-i-shoqates-se-bankave-silvio-pedrazzi-deklaroi-ne-nje-konference-te-rralle-per-shtyp-se-shqiperia-ka-nje-suficit-te-konsiderueshem\/","url_meta":{"origin":84747,"position":4},"title":"Kryetari i Shoqat\u00ebs s\u00eb Bankave, Silvio Pedrazzi deklaroi n\u00eb nj\u00eb konferenc\u00eb t\u00eb rrall\u00eb p\u00ebr shtyp se Shqip\u00ebria ka nj\u00eb suficit t\u00eb konsideruesh\u00ebm …","author":"Kurt Farka","date":"April 24, 2019","format":false,"excerpt":"Kryetari i Shoqat\u00ebs s\u00eb Bankave, Silvio Pedrazzi deklaroi n\u00eb nj\u00eb konferenc\u00eb t\u00eb rrall\u00eb p\u00ebr shtyp se Shqip\u00ebria ka nj\u00eb suficit t\u00eb konsideruesh\u00ebm, afatgjat\u00eb dhe strukturor n\u00eb t\u00eb ardhurat valutore, q\u00eb sipas tij shpjegohet me sasin\u00eb e st\u00ebrmadhe t\u00eb parave t\u00eb akumuluar jasht\u00eb vendit.\u00a0 \" ...Zyrtarisht Shqip\u00ebria ka nj\u00eb deficit n\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\/2019\/04\/Avioni-i-grabitur-ne-Rinas1-600x385-Copy.jpg?fit=600%2C332&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2019\/04\/Avioni-i-grabitur-ne-Rinas1-600x385-Copy.jpg?fit=600%2C332&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2019\/04\/Avioni-i-grabitur-ne-Rinas1-600x385-Copy.jpg?fit=600%2C332&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":63251,"url":"https:\/\/www.shqiperia.com\/blog\/fmn-paralajmeron-per-rreziqet-qe-mund-te-vijne-nga-bumi-i-ndertimit-te-pallateve-dhe-pasurive-te-paluajtshme-ne-shqiperi\/","url_meta":{"origin":84747,"position":5},"title":"FMN paralajm\u00ebron p\u00ebr rreziqet q\u00eb mund t\u00eb vijn\u00eb nga bumi i nd\u00ebrtimit te pallateve dhe pasurive t\u00eb paluajtshme n\u00eb Shqip\u00ebri","author":"Kurt Farka","date":"October 13, 2022","format":false,"excerpt":"13 Tetor 2022 Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN), n\u00eb deklarat\u00ebn e fundit p\u00ebr Shqip\u00ebrin\u00eb, ka k\u00ebshilluar q\u00eb t\u00eb tregohet kujdes p\u00ebr ndikimin q\u00eb mund t\u00eb ket\u00eb vrulli i nd\u00ebrtimeve dhe zgjerimi i tregut t\u00eb pasurive t\u00eb paluajtshme n\u00eb stabilitetin e sektorit financiar. \u201cNe b\u00ebjm\u00eb thirrje p\u00ebr monitorim nga af\u00ebr dhe menaxhim\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i 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