Miniature home on sheet of percent signs<\/figcaption><\/figure>\n <\/p>\n
Bashk\u00ebpunimi me nd\u00ebrtuesit p\u00ebr shitje n\u00eb nd\u00ebrtimet e reja<\/strong><\/p>\nShum\u00eb prej firmave t\u00eb nd\u00ebrtimit reklamojn\u00eb mund\u00ebsin\u00eb e shitjes s\u00eb pronave me kredi q\u00eb para p\u00ebrfundimit t\u00eb tyre dhe nxjerrjes s\u00eb certifikatave t\u00eb pron\u00ebsis\u00eb. Kjo \u00ebsht\u00eb nj\u00eb praktik\u00eb e hershme, e cila, deri para pak vitesh, mund\u00ebsohej kryesisht n\u00ebp\u00ebrmjet hipotekimit t\u00eb nd\u00ebrtimeve n\u00eb karabina.<\/p>\n
Me p\u00ebrfundimin e nd\u00ebrtimit n\u00eb karabina, ajo bllokohej n\u00eb favor t\u00eb bank\u00ebs, zakonisht p\u00ebr t\u00eb garantuar kredit\u00eb q\u00eb firmat kishin marr\u00eb p\u00ebr nd\u00ebrtimin e objektit. Por, kjo form\u00eb ka shkaktuar probleme n\u00eb marr\u00ebdh\u00ebniet me bler\u00ebsit e apartamenteve dhe nj\u00ebsive t\u00eb sh\u00ebrbimit dhe sipas burimeve nga tregu, p\u00ebrdoret shum\u00eb pak. Bankat po p\u00ebrdorin forma alternative t\u00eb garantimit t\u00eb kredis\u00eb p\u00ebr pronat e paregjistruara.<\/p>\n
Forma e par\u00eb \u00ebsht\u00eb garantimi i kredis\u00eb p\u00ebr blerjen e pron\u00ebs n\u00ebp\u00ebrmjet nj\u00eb linje garancie q\u00eb banka jep p\u00ebr firm\u00ebn e nd\u00ebrtimit. Linja e kredis\u00eb p\u00ebrdoret si kolateral p\u00ebr individin q\u00eb blen nj\u00eb pron\u00eb pran\u00eb firm\u00ebs. Zakonisht, shkalla e mbulimit \u00ebsht\u00eb af\u00ebrsisht pran\u00eb nivelit t\u00eb 130%, pra p\u00ebr 100 lek\u00eb kredi firma jep 130 lek\u00eb kolateral nga linja e vet e miratuar.<\/p>\n
Kjo form\u00eb zakonisht jepet p\u00ebr firma nd\u00ebrtimi me ecuri t\u00eb mir\u00eb financiare dhe klasifikohen nga banka partner\u00eb t\u00eb besuesh\u00ebm. Megjithat\u00eb, linja e financimit t\u00eb firm\u00ebs q\u00eb p\u00ebrdoret si kolateral nga klient\u00ebt, edhe ajo sigurohet me nj\u00eb kolateral tjet\u00ebr, q\u00eb mund t\u00eb jen\u00eb pasuri t\u00eb paluajtshme apo asete t\u00eb tjera t\u00eb firm\u00ebs s\u00eb nd\u00ebrtimit.<\/p>\n
Form\u00eb tjet\u00ebr bashk\u00ebpunimi \u00ebsht\u00eb p\u00ebrdorimi i nj\u00eb kolaterali t\u00eb kompanis\u00eb p\u00ebr t\u00eb garantuar disa kredi t\u00eb klient\u00ebve, form\u00eb e quajtur pool collateral<\/em>. Zakonisht, ky kolateral \u00ebsht\u00eb pasuri e paluajtshme e regjistruar rregullisht n\u00eb pron\u00ebsi t\u00eb firm\u00ebs s\u00eb nd\u00ebrtimit. N\u00eb praktik\u00eb, firma p\u00ebrdor nj\u00eb pron\u00eb ekzistuese si kolateral p\u00ebr t\u00eb garantuar shitje t\u00eb pronave t\u00eb tjera, ende t\u00eb paregjistruara, me kredi bankare.<\/p>\nForma e tret\u00eb e p\u00ebrdorur e bashk\u00ebpunimit \u00ebsht\u00eb kur firma e nd\u00ebrtimit pranon t\u00eb dal\u00eb si garantuese ose dor\u00ebzan\u00ebse e kredive q\u00eb marrin individ\u00ebt p\u00ebr t\u00eb bler\u00eb pronat e saj. Firma q\u00ebndron si dor\u00ebzan\u00ebse, deri n\u00eb momentin e regjistrimit t\u00eb pron\u00ebs s\u00eb bler\u00eb dhe pajisjen e saj me certifikat\u00eb pron\u00ebsie. Sidoqoft\u00eb, kjo form\u00eb garancie p\u00ebrdoret m\u00eb rrall\u00eb n\u00eb praktik\u00ebn e marr\u00ebdh\u00ebnieve mes firmave t\u00eb nd\u00ebrtimit dhe bankave.<\/p>\n
N\u00eb shumic\u00ebn e rasteve, n\u00ebp\u00ebrmjet k\u00ebtyre skemave, mund\u00ebsohet financimi deri n\u00eb mas\u00ebn 90% e \u00e7mimit t\u00eb blerjes s\u00eb pron\u00ebs. Megjithat\u00eb, banka t\u00eb ve\u00e7anta arrijn\u00eb t\u00eb financojn\u00eb deri n\u00eb 100% t\u00eb vler\u00ebs s\u00eb pasuris\u00eb s\u00eb paluajtshme q\u00eb blihet.<\/p>\n
Bankat mund t\u00eb mbajn\u00eb nj\u00eb pjes\u00eb t\u00eb shum\u00ebs s\u00eb kredis\u00eb si garanci shtes\u00eb nga nd\u00ebrtuesi, deri n\u00eb momentin e regjistrimit p\u00ebrfundimtar t\u00eb pron\u00ebs. Nj\u00eb p\u00ebrqindje e caktuar e kredis\u00eb q\u00eb merr bler\u00ebsi i pron\u00ebs nuk disbursohet si pages\u00eb n\u00eb favor t\u00eb nd\u00ebrtuesit. Kur prona regjistrohet, nd\u00ebrtuesi merr edhe pjes\u00ebn e mbetur, q\u00eb mund t\u00eb arrij\u00eb n\u00eb rreth 10% t\u00eb shum\u00ebs s\u00eb miratuar t\u00eb kredis\u00eb.<\/p>\n
Nj\u00eb alternativ\u00eb e fundit \u00ebsht\u00eb q\u00eb firmat t\u00eb nd\u00ebrtimit t\u00eb ofrojn\u00eb si kolateral t\u00eb p\u00ebrkohsh\u00ebm p\u00ebr bler\u00ebsin nj\u00eb pron\u00eb tjet\u00ebr, me certifikat\u00eb t\u00eb rregullt pron\u00ebsie. K\u00ebto jan\u00eb zakonisht nj\u00ebsi sh\u00ebrbimi apo apartamente t\u00eb pashitura nga nd\u00ebrtimet e tjera t\u00eb firm\u00ebs. Megjithat\u00eb, kjo \u00ebsht\u00eb nj\u00eb praktik\u00eb q\u00eb zakonisht ndiqet n\u00eb marr\u00ebveshje mes firm\u00ebs s\u00eb nd\u00ebrtimit dhe bler\u00ebsit, pa ndonj\u00eb marr\u00ebveshje paraprake mes nd\u00ebrtuesit dhe bank\u00ebs.<\/p>\n
N\u00eb t\u00eb gjitha rastet e m\u00ebsip\u00ebrme, garancit\u00eb e dh\u00ebna p\u00ebrdoren deri n\u00eb regjistrimin e pronave t\u00eb blera me kredi dhe n\u00eb daljen e certifikatave t\u00eb pron\u00ebsis\u00eb. N\u00eb k\u00ebt\u00eb moment, klienti \u00ebsht\u00eb i detyruar t\u00eb l\u00ebr\u00eb si kolateral pron\u00ebn e bler\u00eb dhe t\u00eb heq\u00eb barr\u00ebn mbi garancit\u00eb e l\u00ebna nga firma e nd\u00ebrtimit. Klauzola e z\u00ebvend\u00ebsimit t\u00eb kolateralit zakonisht p\u00ebrfshihet edhe n\u00eb kontrat\u00ebn e kredis\u00eb.<\/p>\n
P\u00ebrgjith\u00ebsisht, kredit\u00eb me garanci t\u00eb tilla kan\u00eb norm\u00eb t\u00eb nj\u00ebjt\u00eb interesi me kredin\u00eb e zakonshme hipotekore, ku kolaterali ofrohet nga vet\u00eb klienti. Megjithat\u00eb, n\u00eb raste t\u00eb ve\u00e7anta, interesat p\u00ebr individin q\u00eb mund t\u00eb jen\u00eb preferenciale, sepse nj\u00eb pjes\u00eb e vog\u00ebl e tyre merren p\u00ebrsip\u00ebr nga firma nd\u00ebrtuese q\u00eb shet pron\u00ebn.<\/p>\n
<\/p>\n
Edhe kompanit\u00eb e real estate, komisionere<\/strong><\/p>\nN\u00eb vitet e fundit, bankat kan\u00eb filluar t\u00eb lidhin marr\u00ebveshje edhe me nd\u00ebrmjet\u00ebsit e shitjes s\u00eb pasurive t\u00eb paluajtshme. N\u00eb k\u00ebto raste, b\u00ebhet fjal\u00eb p\u00ebr marr\u00ebveshje t\u00eb thjeshta komisionere, ku agjencia e real estate p\u00ebrfiton nj\u00eb shum\u00eb t\u00eb caktuar nga kredia q\u00eb jepet p\u00ebr klient\u00ebt e sjell\u00eb n\u00eb bank\u00eb prej tyre. Zakonisht, komisionet q\u00eb ofrojn\u00eb bankat p\u00ebr agjencit\u00eb jan\u00eb n\u00eb intervalin mes 0.5% dhe 1.5%.<\/p>\n
N\u00eb vendet e tjera, agjencit\u00eb e real estate jan\u00eb prur\u00ebs t\u00eb r\u00ebnd\u00ebsish\u00ebm t\u00eb klient\u00ebve p\u00ebr bankat dhe prej tyre gjenerohet nj\u00eb pjes\u00eb e madhe e volumit t\u00eb kredis\u00eb hipotekore. N\u00eb Shqip\u00ebri, k\u00ebto agjenci jan\u00eb ende larg t\u00eb qen\u00ebt nj\u00eb partner me pesh\u00eb. Sipas burimeve nga tregu, numri i kredive t\u00eb dh\u00ebna n\u00ebp\u00ebrmjet agjencive t\u00eb pasurive t\u00eb paluajtshme \u00ebsht\u00eb n\u00eb nivele shum\u00eb t\u00eb ul\u00ebta kundrejt kreditimit total p\u00ebr blerjen e pronave.<\/p>\n
<\/p>\n
Kredia p\u00ebr nd\u00ebrtimin, n\u00eb r\u00ebnie p\u00ebr t\u00eb kat\u00ebrtin vit radhazi<\/strong><\/p>\nNj\u00eb nga indikator\u00ebt e ofert\u00ebs n\u00eb tregun e pasurive t\u00eb paluajtshme n\u00eb teori \u00ebsht\u00eb edhe kredia p\u00ebr nd\u00ebrtimin, si nj\u00eb form\u00eb e financimit t\u00eb kryerjes s\u00eb investimeve m\u00eb t\u00eb reja n\u00eb k\u00ebt\u00eb sektor. Megjithat\u00eb, t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb treguan se kredia e re p\u00ebr nd\u00ebrtimin n\u00eb vitin 2020 p\u00ebsoi r\u00ebnie p\u00ebr t\u00eb kat\u00ebrtin vit radhazi. Vlera e disbursimeve t\u00eb reja ishte 21.3 miliard\u00eb lek\u00eb, n\u00eb r\u00ebnie me 9.4% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
T\u00eb dh\u00ebnat tregojn\u00eb se hovi i ri i nd\u00ebrtimeve n\u00eb vitet e fundit nuk mb\u00ebshtetet plot\u00ebsisht nga ecuria e kredis\u00eb bankare n\u00eb k\u00ebt\u00eb sektor. Mb\u00ebshtetur n\u00eb t\u00eb dh\u00ebnat e INSTAT, p\u00ebr vitin e kaluar, vlera e lejeve p\u00ebr nd\u00ebrtesa, p\u00ebrfshi rikonstruksione, ishte rreth 76.6 miliard\u00eb lek\u00eb. Kredia e re p\u00ebr nd\u00ebrtimin ishte vet\u00ebm sa 28% e vler\u00ebs s\u00eb lejeve t\u00eb reja t\u00eb dh\u00ebn\u00eb n\u00eb vitin kalendarik, n\u00eb nivel edhe m\u00eb t\u00eb ul\u00ebt krahasuar me vitin 2019. N\u00eb realitet, kjo p\u00ebrqindje duhet t\u00eb jet\u00eb edhe m\u00eb e ul\u00ebt, sepse kredia e re p\u00ebr nd\u00ebrtimin p\u00ebrfshin edhe disbursimet n\u00eb favor t\u00eb kompanive me aktivitet n\u00eb nd\u00ebrtimet inxhinierike.<\/p>\n
Shifrat d\u00ebshmojn\u00eb se investimet e m\u00ebdha n\u00eb nd\u00ebrtim po mb\u00ebshteten, n\u00eb pjes\u00ebn m\u00eb t\u00eb madhe, nga burime alternative, ku p\u00ebrfshihen vet\u00eb kapitalet e nd\u00ebrtuesve, t\u00eb ardhurat nga shitjet n\u00eb proces nd\u00ebrtimi dhe sidomos t\u00eb ardhura t\u00eb paformalizuara, q\u00eb mund t\u00eb burojn\u00eb nga ekonomia gri apo e zez\u00eb.<\/p>\n
<\/p>\n <\/a>Burimi: Banka e Shqip\u00ebris\u00eb<\/strong><\/figcaption><\/figure>\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Kredia p\u00ebr blerjen e pasurive t\u00eb paluajtshme po rritet me shpejt\u00ebsi. Konkurrenca mes bankave \u00ebsht\u00eb rritur dhe kredit\u00eb jan\u00eb m\u00eb t\u00eb lira se asnj\u00ebher\u00eb tjet\u00ebr. Sa jan\u00eb normat e interesit, n\u00eb \u00e7far\u00eb monedhe ta leverdis t\u00eb marr\u00ebsh huan\u00eb. Ersuin Shehu Kriza provoi se tregu i pasurive t\u00eb paluajtshme n\u00eb Shqip\u00ebri shpesh del jasht\u00eb skemave […]<\/p>\n
Read More… from Kredia p\u00ebr sht\u00ebpi, si \u201clul\u00ebzoi\u201d n\u00eb koh\u00eb krize<\/span><\/a><\/p>\n","protected":false},"author":4218,"featured_media":261817,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[712],"tags":[],"yoast_head":"\nKredia p\u00ebr sht\u00ebpi, si \u201clul\u00ebzoi\u201d n\u00eb koh\u00eb krize - Revista Monitor<\/title>\n \n \n \n \n \n \n \n \n \n \n \n \n \n\t \n\t \n\t \n \n \n \n \n \n\t \n\t \n\t \n