{"id":261812,"date":"2021-06-18T22:12:38","date_gmt":"2021-06-18T20:12:38","guid":{"rendered":"https:\/\/www.monitor.al\/?p=261812"},"modified":"2021-06-19T22:06:24","modified_gmt":"2021-06-19T20:06:24","slug":"kredia-per-shtepi-si-lulezoi-ne-kohe-krize-2","status":"publish","type":"post","link":"https:\/\/www.monitor.al\/kredia-per-shtepi-si-lulezoi-ne-kohe-krize-2\/","title":{"rendered":"Kredia p\u00ebr sht\u00ebpi, si \u201clul\u00ebzoi\u201d n\u00eb koh\u00eb krize"},"content":{"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.<\/strong><\/p>\n

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Ersuin Shehu<\/strong><\/p>\n

Kriza provoi se tregu i pasurive t\u00eb paluajtshme n\u00eb Shqip\u00ebri shpesh del jasht\u00eb skemave dhe projeksioneve m\u00eb t\u00eb pritshme. Kur ekonomia u pllakos nga kriza m\u00eb e r\u00ebnd\u00eb n\u00eb 23 vjet, pakkush priste q\u00eb tregu i pronave t\u00eb vazhdonte t\u00eb rritej.<\/p>\n

N\u00eb kushtet e r\u00ebnies s\u00eb prodhimit komb\u00ebtar dhe t\u00eb pun\u00ebsimit, ishte e pritshme q\u00eb individ\u00ebt t\u00eb shfaqeshin m\u00eb t\u00eb t\u00ebrhequr n\u00eb kryerjen e investimeve t\u00eb m\u00ebdha, si\u00e7 \u00ebsht\u00eb blerja e nj\u00eb pasurie t\u00eb paluajtshme. Edhe m\u00eb tep\u00ebr, kur b\u00ebhet fjal\u00eb q\u00eb ky investim t\u00eb mb\u00ebshtetet nga marrja e huave t\u00eb m\u00ebdha dhe afatgjata, si\u00e7 jan\u00eb kredit\u00eb p\u00ebr sht\u00ebpi. Por, statistikat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se vitin e kaluar, familjet shqiptare mor\u00ebn 26.5 miliard\u00eb lek\u00eb, ose rreth 215 milion\u00eb euro kredi p\u00ebr blerje banesash.<\/p>\n

Kredia p\u00ebr blerjen e banesave sh\u00ebnoi rritje p\u00ebr t\u00eb tretin vit radhazi, duke sh\u00ebnuar madje edhe nivelin m\u00eb t\u00eb lart\u00eb t\u00eb pes\u00eb viteve t\u00eb fundit. Rritja e kreditimit n\u00eb k\u00ebt\u00eb segment duket e destinuar t\u00eb vazhdoj\u00eb edhe k\u00ebt\u00eb vit. P\u00ebr 3-mujorin e par\u00eb, bankat dhan\u00eb 7.1 miliard\u00eb lek\u00eb kredi t\u00eb reja p\u00ebr blerjen e banesave, n\u00eb rritje me 41% krahasuar me 3-mujorin e par\u00eb t\u00eb vitit t\u00eb kaluar.<\/p>\n

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Burimi: Banka e Shqip\u00ebris\u00eb<\/strong><\/figcaption><\/figure>\n

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Kredia p\u00ebr sht\u00ebpi, m\u00eb shum\u00eb se 1 miliard euro<\/strong><\/p>\n

Sot kredia p\u00ebr blerje banesash nga individ\u00ebt \u00ebsht\u00eb produkti kryesor i kredis\u00eb bankare p\u00ebr nga madh\u00ebsia. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb fund t\u00eb muajit mars, vlera e portofolit arriti n\u00eb 129.7 miliard\u00eb lek\u00eb, ose 1.05 miliard\u00eb euro.<\/p>\n

Krahasuar me nj\u00eb vit m\u00eb par\u00eb, portofoli \u00ebsht\u00eb zgjeruar me 6.4%; po ta zhveshim k\u00ebt\u00eb shif\u00ebr nga efekti i n\u00ebn\u00e7mimit t\u00eb p\u00ebrkohsh\u00ebm t\u00eb kursit t\u00eb k\u00ebmbimit n\u00eb mars 2020, rritja vjetore e portofolit \u00ebsht\u00eb m\u00eb e madhe se 9%. Kjo rritje \u00ebsht\u00eb af\u00ebrsisht dy her\u00eb m\u00eb e lart\u00eb se rritja mesatare e portofolit t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb.<\/p>\n

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\"\"<\/a>
Burimi: Banka e Shqip\u00ebris\u00eb<\/strong><\/figcaption><\/figure>\n

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N\u00eb vitet e fundit, oferta e bankave p\u00ebr kredi p\u00ebr sht\u00ebpi ka qen\u00eb e lart\u00eb dhe konkurrenca n\u00eb k\u00ebt\u00eb segment t\u00eb tregut \u00ebsht\u00eb rritur. Vrojtimet e aktivitetit kreditues me bankat tregtare tregojn\u00eb leht\u00ebsim t\u00eb vazhduesh\u00ebm t\u00eb standardeve t\u00eb kreditimit p\u00ebr k\u00ebt\u00eb produkt.<\/p>\n

Ky \u00ebsht\u00eb nj\u00eb nga produktet m\u00eb cil\u00ebsore p\u00ebr bankat, sepse ka nivelin m\u00eb t\u00eb ul\u00ebt t\u00eb kredive me probleme. Nga 8% q\u00eb \u00ebsht\u00eb raporti mesatar i kredive me probleme p\u00ebr gjith\u00eb huan\u00eb bankare, p\u00ebr kredin\u00eb p\u00ebr blerje banesash, raporti \u00ebsht\u00eb af\u00ebrsisht pran\u00eb nivelit 4%.<\/p>\n

Krahasuar me kredin\u00eb p\u00ebr biznesin, vlerat mesatare t\u00eb huas\u00eb jan\u00eb m\u00eb t\u00eb ul\u00ebta, gj\u00eb q\u00eb mund\u00ebson shp\u00ebrndarje m\u00eb t\u00eb mir\u00eb t\u00eb rrezikut kreditor. Nj\u00eb faktor tjet\u00ebr \u00ebsht\u00eb rritja e \u00e7mimeve t\u00eb pronave, q\u00eb p\u00ebrkthehet edhe n\u00eb nj\u00eb siguri m\u00eb t\u00eb lart\u00eb p\u00ebr vler\u00ebn e kolateralit.<\/p>\n

\u201cKoh\u00ebt e fundit, shumica e bankave duket se kan\u00eb shtuar ofertat, rrjedhimisht dhe v\u00ebmendjen n\u00eb drejtim t\u00eb kredive p\u00ebr individ\u00eb, sidomos atyre hipotekore. Nj\u00eb nga arsyet, besoj se \u00ebsht\u00eb k\u00ebrkesa n\u00eb rritje nga individ\u00ebt, e nd\u00ebrthurur me rrezikun m\u00eb t\u00eb vog\u00ebl kreditor q\u00eb ka kjo kategori n\u00eb krahasim me bizneset.<\/p>\n

Edhe rritja konstante e \u00e7mimeve ka b\u00ebr\u00eb q\u00eb bankat t\u00eb jen\u00eb disi m\u00eb t\u00eb mbrojtura nga kolateralet q\u00eb mbulojn\u00eb kredin\u00eb, duke qen\u00eb se rritja e vler\u00ebs siguron mbulim m\u00eb t\u00eb mir\u00eb\u201d – thot\u00eb Redi Martiri, Drejtor i Departamentit t\u00eb Shitjeve p\u00ebr Individ\u00eb n\u00eb Union Bank. Nj\u00ebkoh\u00ebsisht, kredia p\u00ebr sht\u00ebpi \u00ebsht\u00eb nj\u00eb produkt afatgjat\u00eb, q\u00eb mund\u00ebson rritjen e q\u00ebndrueshme dhe afatgjat\u00eb t\u00eb portofolit t\u00eb kredis\u00eb.<\/p>\n

\u201cInvestimi n\u00eb pasuri t\u00eb patundshme \u00ebsht\u00eb nj\u00eb nga opsionet e pakta q\u00eb individ\u00ebt kan\u00eb p\u00ebr t\u00eb investuar n\u00eb Shqip\u00ebri, me q\u00ebllim maksimizimin dhe diversifikimin e portofolit t\u00eb tyre t\u00eb t\u00eb ardhurave. K\u00ebto nevoja t\u00eb konsumator\u00ebve jan\u00eb n\u00eb p\u00ebrputhje t\u00eb plot\u00eb me rolin dhe misionin e bank\u00ebs p\u00ebr t\u00eb sh\u00ebrbyer si katalizator i ekonomis\u00eb, p\u00ebr t\u00eb ndihmuar me likuiditetin e nevojsh\u00ebm financiar, investimet e b\u00ebra nga individ\u00ebt, si dhe nj\u00ebkoh\u00ebsisht p\u00ebr t\u2019i sh\u00ebrbyer aktivitetit tregtar t\u00eb vet\u00eb bank\u00ebs\u201d – thot\u00eb Klodiana Piqani (Ke\u00e7i), Drejtuese e Divizionit t\u00eb Shitjeve p\u00ebr Individ\u00eb dhe Biznese t\u00eb Vogla n\u00eb Intesa Sanpaolo Bank Shqip\u00ebri.<\/p>\n

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Normat e ul\u00ebta t\u00eb interesit nxit\u00ebn rritjen<\/strong><\/p>\n

Kreditimi n\u00eb segmentin e kredive p\u00ebr blerje banesash n\u00eb vitet e fundit \u00ebsht\u00eb mb\u00ebshtetur edhe nga oferta me kushte t\u00eb favorshme. Normat e interesit p\u00ebr k\u00ebt\u00eb kredi jan\u00eb aktualisht pran\u00eb niveleve m\u00eb t\u00eb ul\u00ebta historike. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se interesi mesatar i kredive t\u00eb reja p\u00ebr blerje banesash n\u00eb lek\u00eb n\u00eb vitin 2020 ishte 3.67%, nga 3.46% nj\u00eb vit m\u00eb par\u00eb. Nd\u00ebrsa n\u00eb euro, interesi mesatar p\u00ebsoi r\u00ebnie n\u00eb 3.12%, nga 3.45% nj\u00eb vit m\u00eb par\u00eb.<\/p>\n

Normat e interesit ngelen n\u00eb nivele t\u00eb ngjashme edhe gjat\u00eb muajve t\u00eb par\u00eb t\u00eb k\u00ebtij viti. P\u00ebr Lekun, interesi mesatar i kredive t\u00eb reja ishte 3.69%, nd\u00ebrsa p\u00ebr Euron, 3.07%. Edhe formula e normave t\u00eb interesit, sipas bankier\u00ebve, ka ndikuar n\u00eb t\u00eb b\u00ebrit m\u00eb t\u00ebrheq\u00ebs t\u00eb k\u00ebtij produkti.<\/p>\n

\u201cNormat e ul\u00ebta t\u00eb interesit e b\u00ebjn\u00eb huamarrjen m\u00eb pak t\u00eb kushtueshme dhe si rrjedhoj\u00eb, edhe kreditimin m\u00eb t\u00eb p\u00ebrballuesh\u00ebm p\u00ebr klientin. Normat e ul\u00ebta t\u00eb interesit nxisin individ\u00ebt q\u00eb t\u00eb b\u00ebjn\u00eb investime n\u00eb vlera m\u00eb t\u00eb m\u00ebdha dhe si rrjedhoj\u00eb, t\u00eb rrisin edhe shum\u00ebn e kredis\u00eb. Sot, p\u00ebrtej normave relativisht t\u00eb ul\u00ebta, bankat ofrojn\u00eb edhe opsione t\u00eb produkteve t\u00eb kredis\u00eb hipotekore me norma fikse t\u00eb interesit p\u00ebr nj\u00eb periudh\u00eb t\u00eb caktuar, t\u00eb cilat ndikojn\u00eb pozitivisht n\u00eb zgjerimin e kredis\u00eb hipotekore\u201d – thot\u00eb Ermelinda Ba\u00e7o, Drejtore e Divizionit t\u00eb Huadh\u00ebnies p\u00ebr Ekonomit\u00eb Familjare n\u00eb Alpha Bank Albania.<\/p>\n

Shum\u00eb prej bankave ofrojn\u00eb interes fiks p\u00ebr vitet e para t\u00eb kredis\u00eb dhe m\u00eb tej, nj\u00eb norm\u00eb interesi t\u00eb p\u00ebrb\u00ebr\u00eb. Periudha e interesit fiks mund t\u00eb varioj\u00eb nga nj\u00eb deri n\u00eb pes\u00eb vjet, sipas zgjedhjes s\u00eb klientit, por sa m\u00eb e gjat\u00eb t\u00eb jet\u00eb kjo periudh\u00eb, aq m\u00eb e lart\u00eb \u00ebsht\u00eb norma fikse e interesit. Periudha fillestare me interesa fikse mb\u00ebshtetet n\u00eb pritshm\u00ebrin\u00eb se normat e interesit n\u00eb horizontin afatmes\u00ebm do t\u00eb ngelen t\u00eb ul\u00ebta, sidomos p\u00ebr euron, \u00e7ka e b\u00ebn t\u00eb kufizuar ekspozimin ndaj luhatjes s\u00eb normave t\u00eb interesit p\u00ebr bank\u00ebn.<\/p>\n

Periudha e dyt\u00eb parashikon norma interesi t\u00eb p\u00ebrb\u00ebra, q\u00eb nd\u00ebrtohen mbi ecurin\u00eb e nj\u00eb treguesi benchmark (euribor, bono thesari, obligacione ose tribor) plus nj\u00eb marzh fiks. Pas periudh\u00ebs fillestare, megjithat\u00eb, interesi i kredis\u00eb rritet disi n\u00eb vler\u00ebn minimale t\u00eb parashikuar dhe shkon minimalisht pran\u00eb nivelit 3.7%-3.8%.<\/p>\n

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\"\"<\/a>
Burimi: Banka e Shqip\u00ebris\u00eb<\/strong><\/figcaption><\/figure>\n

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Kredia po orientohet drejt Lekut<\/strong><\/p>\n

Bashk\u00eb me rritjen e portofolit total, nj\u00eb tendenc\u00eb e dukshme n\u00eb vitet e fundit \u00ebsht\u00eb orientimi i k\u00ebtij produkti drejt monedh\u00ebs vendase. T\u00eb dh\u00ebnat tregojn\u00eb se n\u00eb fund t\u00eb muajit mars, kredia n\u00eb Lek p\u00ebrb\u00ebnte 55.4% t\u00eb portofolit total t\u00eb kredis\u00eb p\u00ebr blerje banesash, niveli m\u00eb i lart\u00eb i regjistruar q\u00eb pas nisjes s\u00eb ekspansionit t\u00eb kredis\u00eb p\u00ebr individ\u00eb, n\u00eb vitin 2005. Sidomos pas vitit 2015, pesha specifike e kredis\u00eb n\u00eb Lek \u00ebsht\u00eb rritur me ritme t\u00eb larta.<\/p>\n

Zgjerimi i portofolit n\u00eb Lek ul ekspozimin e kredimarr\u00ebsve dhe, t\u00ebrthorazi edhe t\u00eb bankave, ndaj rrezikut t\u00eb kursit t\u00eb k\u00ebmbimit, po t\u00eb kemi parasysh se p\u00ebr shumic\u00ebn e huamarr\u00ebsve, monedha n\u00eb t\u00eb cil\u00ebn ata p\u00ebrfitojn\u00eb t\u00eb ardhurat \u00ebsht\u00eb Leku.<\/p>\n

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\"\"<\/a>
Burimi: Banka e Shqip\u00ebris\u00eb<\/strong><\/figcaption><\/figure>\n

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Prej nj\u00eb dekade, n\u00eb fakt, Banka e Shqip\u00ebris\u00eb \u00ebsht\u00eb p\u00ebrpjekur t\u00eb kufizoj\u00eb kreditimin q\u00eb i ekspozon bankat dhe huamarr\u00ebsit ndaj rrezikut t\u00eb kursit t\u00eb k\u00ebmbimit. Rregullorja p\u00ebrkat\u00ebse k\u00ebrkon q\u00eb kredia e ekspozuar ndaj rrezikut t\u00eb kursit t\u00eb k\u00ebmbimit t\u00eb peshohet me nj\u00eb koeficient m\u00eb t\u00eb lart\u00eb p\u00ebr efekt t\u00eb llogaritjes s\u00eb mjaftueshm\u00ebris\u00eb s\u00eb kapitalit.<\/p>\n

N\u00ebse kredia \u00ebsht\u00eb n\u00eb monedh\u00ebn e t\u00eb ardhurave t\u00eb huamarr\u00ebsit, ajo shum\u00ebzohet me koeficient 1, nd\u00ebrsa kur \u00ebsht\u00eb n\u00eb nj\u00eb monedh\u00eb t\u00eb ndryshme, koeficienti \u00ebsht\u00eb 1.5. E th\u00ebn\u00eb thjesht, bankave iu k\u00ebrkohet m\u00eb shum\u00eb kapital p\u00ebr k\u00ebt\u00eb kategori t\u00eb kredive, mb\u00ebshtetur n\u00eb supozimin se rreziku n\u00eb k\u00ebt\u00eb rast \u00ebsht\u00eb m\u00eb i lart\u00eb.<\/p>\n

Vet\u00ebm n\u00eb vitet e fundit, bankat po aplikojn\u00eb politika m\u00eb t\u00eb shtr\u00ebnguara n\u00eb drejtim t\u00eb ekspozimit ndaj rrezikut t\u00eb kursit t\u00eb k\u00ebmbimit. Madje, disa prej tyre, nuk ua ofrojn\u00eb kredin\u00eb n\u00eb valut\u00eb huamarr\u00ebsve me t\u00eb ardhura n\u00eb Lek. Kjo mund t\u00eb jet\u00eb ndikuar nga kufizimet rregullatore, por edhe nga nj\u00eb nd\u00ebrgjegj\u00ebsim m\u00eb i madh i bankave lidhur me rreziqet q\u00eb mund t\u00eb vijn\u00eb nga luhatjet e kursit. Megjith\u00ebse kursi mes Euros dhe Lekut vler\u00ebsohet p\u00ebrgjith\u00ebsisht i q\u00ebndruesh\u00ebm, n\u00eb tre vitet e fundit ka shfaqur edhe periudha t\u00eb shkurtra me luhatje t\u00eb forta, q\u00eb jan\u00eb stabilizuar shpejt me nd\u00ebrhyrjen e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/p>\n

Ve\u00e7 kujdesit t\u00eb bankave, nj\u00eb faktor q\u00eb ka luajtur rol t\u00eb r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb edhe ulja e ndjeshme e normave t\u00eb interesit n\u00eb lek\u00eb. Interesat n\u00eb Lek kan\u00eb zbritur tashm\u00eb af\u00ebr atyre n\u00eb Euro dhe, n\u00eb kushte t\u00eb tilla, nxitja p\u00ebr t\u00eb marr\u00eb p\u00ebrsip\u00ebr rrezikun nga luhatjet e kursit \u00ebsht\u00eb m\u00eb e pak\u00ebt.<\/p>\n

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70% e portofolit, n\u00eb Tiran\u00eb<\/strong><\/p>\n

Portofoli i kredis\u00eb p\u00ebr sht\u00ebpi, ashtu si i gjith\u00eb kreditimi i ekonomis\u00eb n\u00eb t\u00ebr\u00ebsi, ka nj\u00eb shkall\u00eb t\u00eb lart\u00eb p\u00ebrqendrimi n\u00eb Qarkun e Tiran\u00ebs. Statistikat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb fund t\u00eb 3-mujorit t\u00eb par\u00eb t\u00eb k\u00ebtij viti, 70.3% e portofolit t\u00eb kredis\u00eb ishte dh\u00ebn\u00eb n\u00eb Tiran\u00eb. Kjo shif\u00ebr \u00ebsht\u00eb n\u00eb rritje t\u00eb m\u00ebtejshme nga niveli 69.7% q\u00eb sh\u00ebnohej nj\u00eb vit m\u00eb par\u00eb. Gjat\u00eb 12 muajve t\u00eb fundit,<\/p>\n

Tirana \u00ebsht\u00eb i vetmi qark (p\u00ebrjashtuar nj\u00eb rritje shum\u00eb t\u00eb leht\u00eb n\u00eb Qarkun e Kor\u00e7\u00ebs) ku portofoli i kredis\u00eb p\u00ebr sht\u00ebpi \u00ebsht\u00eb rritur, me 7.4% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Kryeqyteti ka tregun m\u00eb t\u00eb madh dhe m\u00eb t\u00eb zhvilluar t\u00eb pasurive t\u00eb paluajtshme, i favorizuar nga p\u00ebrqendrimi i aktivitetit ekonomik dhe nga tendencat demografike t\u00eb dekadave t\u00eb fundit.<\/p>\n

Megjithat\u00eb, bankier\u00ebt theksojn\u00eb se edhe blerja e sht\u00ebpive t\u00eb dyta, sidomos n\u00eb bregdet, b\u00ebhet kryesisht nga individ\u00eb me banim n\u00eb Tiran\u00eb dhe kjo k\u00ebrkes\u00eb kanalizohet kryesisht n\u00eb deg\u00ebt bankare t\u00eb kryeqytetit. P\u00ebrqendrimi i m\u00ebtejsh\u00ebm i kredis\u00eb p\u00ebr sht\u00ebpi n\u00eb Tiran\u00eb d\u00ebshmon ndikim m\u00eb t\u00eb vog\u00ebl t\u00eb kriz\u00ebs ekonomike n\u00eb k\u00ebt\u00eb qark, q\u00eb ka nj\u00ebkoh\u00ebsisht edhe p\u00ebrqendrim m\u00eb t\u00eb lart\u00eb t\u00eb pasuris\u00eb dhe t\u00eb ardhura mesatare ndjesh\u00ebm m\u00eb t\u00eb larta krahasuar me qarqet e tjera.<\/p>\n

Qarku i dyt\u00eb p\u00ebr nga vlera e kredis\u00eb bankare \u00ebsht\u00eb Durr\u00ebsi, me rreth 6% t\u00eb totalit t\u00eb portofolit, i ndjekur nga Vlora dhe Fieri me nga 3%.<\/p>\n

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\"\"<\/a>
Burimi: Banka e Shqip\u00ebris\u00eb<\/strong><\/figcaption><\/figure>\n

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\u00c7mimet e pronave, n\u00eb rritje vjetore me 11.3%<\/strong><\/p>\n

\u00c7mimet n\u00eb tregun e pasurive t\u00eb paluajtshme vazhduan rritjen edhe n\u00eb periudh\u00ebn e pandemis\u00eb. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, indeksi Fischer i \u00e7mimeve t\u00eb banesave p\u00ebr t\u00eb gjith\u00eb territorin e vendit u rrit me 6.2% krahasuar me 6-mujorin e m\u00ebparsh\u00ebm dhe me 11.3% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. N\u00eb ve\u00e7anti p\u00ebr Tiran\u00ebn, \u00e7mimet u rrit\u00ebn me 2.3% me baz\u00eb 6-mujore dhe 8.9% me baz\u00eb vjetore.<\/p>\n

Agjent\u00ebt raportojn\u00eb gjithashtu r\u00ebnie t\u00eb inventar\u00ebve (numrit t\u00eb pronave t\u00eb pashitura) dhe rritje n\u00eb vlera mesatare t\u00eb \u00e7mimeve t\u00eb shitjes. Megjith\u00ebse kan\u00eb m\u00eb pak prona t\u00eb pashitura dhe \u00e7mimet po rriten, agjent\u00ebt sidoqoft\u00eb e vler\u00ebsojn\u00eb situat\u00ebn e tregut n\u00eb p\u00ebrkeq\u00ebsim. \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u00ebr Tiran\u00ebn, subjektet e intervistuara kan\u00eb raportuar nj\u00eb koh\u00eb mesatare shitjeje prej 9.8 muajsh, dhe kjo vler\u00eb ishte pak m\u00eb e vog\u00ebl nga ajo e raportuar n\u00eb 6-mujorin e kaluar. P\u00ebr zon\u00ebn e Bregdetit dhe p\u00ebr zonat e tjera, koha e shitjes ka mbetur e pandryshuar n\u00eb p\u00ebrkat\u00ebsisht 10.6 muaj dhe 11.4 muaj.<\/p>\n

N\u00eb pritshm\u00ebrit\u00eb e tyre p\u00ebr t\u00eb ardhmen, agjent\u00ebt mbeten pesimist\u00eb p\u00ebr t\u00eb ardhmen afatshkurt\u00ebr t\u00eb tregut, por optimist\u00eb n\u00eb terma m\u00eb afatgjat\u00eb. Informacioni mbi ecurin\u00eb e \u00e7mimeve dhe vler\u00ebsimin e situat\u00ebs n\u00eb tregun e pasurive t\u00eb paluajtshme merret n\u00ebp\u00ebrmjet vrojtimit n\u00eb terren t\u00eb nj\u00eb kampioni t\u00eb p\u00ebrb\u00ebr\u00eb nga 230 subjekte, q\u00eb kan\u00eb si aktivitet kryesor tregtimin e pronave t\u00eb paluajtshme dhe nd\u00ebrtimin, shitjet e t\u00eb cilave p\u00ebrfaq\u00ebsojn\u00eb rreth 75-80% t\u00eb xhiros s\u00eb tregut.<\/p>\n

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60% e pronave shiten me kredi<\/strong><\/p>\n

Kredia bankare \u00ebsht\u00eb nj\u00eb nga format kryesore t\u00eb financimit t\u00eb investimit n\u00eb pasuri t\u00eb paluajtshme. N\u00eb vrojtimin periodik t\u00eb \u00e7mimeve t\u00eb banesave, vitet e fundit, Banka e Shqip\u00ebris\u00eb p\u00ebrfshin edhe nj\u00eb pyetje p\u00ebr numrin e pronave q\u00eb shiten me kredi bankare.<\/p>\n

N\u00eb vrojtimin e fundit, t\u00eb gjysm\u00ebs s\u00eb dyt\u00eb t\u00eb vitit 2020, agjent\u00ebt e pasurive t\u00eb paluajtshme dhe firmat e nd\u00ebrtimit raportonin se rreth 60% e pronave p\u00ebr banim dhe e atyre p\u00ebr p\u00ebrdorim tregtar t\u00eb shitura prej tyre jan\u00eb bler\u00eb me hua bankare. Kjo p\u00ebrqindje \u00ebsht\u00eb n\u00eb nivele t\u00eb ngjashme me vrojtimet e 6-mujor\u00ebve t\u00eb m\u00ebparsh\u00ebm.<\/p>\n

\u201cK\u00ebrkesa nga ana e klient\u00ebve individ\u00eb p\u00ebr financime n\u00eb banka ka qen\u00eb e lart\u00eb, por kredidh\u00ebnia limitohej nga kufizimet e shtuara t\u00eb bankave p\u00ebr financimin e k\u00ebtij segmenti jo shum\u00eb t\u00eb stabilizuar dhe kryesisht t\u00eb paformalizuar. N\u00eb vitet e fundit, rritja e formalizimit t\u00eb ekonomis\u00eb ka sjell\u00eb rritjen e numrit t\u00eb klient\u00ebve q\u00eb mundet t\u00eb ken\u00eb akses n\u00eb sistemin bankar.<\/p>\n

Nga ana tjet\u00ebr, leht\u00ebsimi nga bankat, i k\u00ebrkesave t\u00eb kreditimit p\u00ebr kategorin\u00eb e klient\u00ebve individ\u00eb, ka ndikuar n\u00eb rritjen e fokusit dhe sh\u00ebrbimit t\u00eb bankave n\u00eb k\u00ebt\u00eb segment. Struktura e portofolit t\u00eb kredis\u00eb p\u00ebr individ\u00eb dominohet nga kredia hipotekore, e cila leht\u00ebson n\u00eb rritjen e q\u00ebndrueshme dhe jet\u00ebgjat\u00eb t\u00eb portofolit t\u00eb kredive\u201d – shprehet Liljana Shkodra, drejtore e Divizionit Retail n\u00eb Bank\u00ebn OTP Albania.<\/p>\n

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Kredia p\u00ebr bler\u00ebsit jorezident\u00eb, potenciale n\u00eb rritje<\/strong><\/p>\n

Vrojtimi i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb jep gjithashtu edhe nj\u00eb informacion p\u00ebr rezidenc\u00ebn e bler\u00ebsve t\u00eb pasurive t\u00eb paluajtshme n\u00eb vend. Agjent\u00ebt raportojn\u00eb se rreth 36% e banesave dhe pronave tregtare u jan\u00eb shitur shtetasve jorezident\u00eb n\u00eb Shqip\u00ebri, dhe ky raport \u00ebsht\u00eb i ngjash\u00ebm me at\u00eb t\u00eb periudh\u00ebs s\u00eb kaluar.<\/p>\n

Gjysma e k\u00ebtyre bler\u00ebsve raportohen si rezident\u00eb n\u00eb Bashkimin Europian dhe pjesa tjet\u00ebr jan\u00eb jasht\u00eb tij. K\u00ebrkesa e konsiderueshme nga jorezident\u00ebt mund t\u00eb jet\u00eb nj\u00eb arsye q\u00eb shpjegon pjes\u00ebrisht rritjen e vazhdueshme t\u00eb \u00e7mimeve t\u00eb pasurive t\u00eb paluajtshme n\u00eb Shqip\u00ebri.<\/p>\n

Edhe jorezident\u00ebt jan\u00eb nj\u00eb kategori q\u00eb parimisht mund financohen nga bankat tregtare n\u00eb Shqip\u00ebri, por me disa kushte apo kufizime n\u00eb raport me individ\u00ebt rezident\u00eb n\u00eb Shqip\u00ebri. P\u00ebr shembull, nj\u00eb kusht mund t\u00eb jet\u00eb t\u00eb pasurit e nj\u00eb bashk\u00ebkredimarr\u00ebsi ose garantuesi q\u00eb t\u00eb jet\u00eb rezident n\u00eb Shqip\u00ebri dhe t\u00eb ket\u00eb t\u00eb ardhura t\u00eb mjaftueshme p\u00ebr t\u00eb mbuluar k\u00ebstin e kredis\u00eb. Disa banka mund t\u00eb ofrojn\u00eb financime vet\u00ebm p\u00ebr kategori t\u00eb ve\u00e7anta t\u00eb individ\u00ebve jorezident\u00eb, si\u00e7 jan\u00eb emigrant\u00ebt shqiptar\u00eb q\u00eb jetojn\u00eb jasht\u00eb vendit.<\/p>\n

\u201cBKT ofron kredi me t\u00eb nj\u00ebjtat kushte vet\u00ebm p\u00ebr emigrant\u00ebt t\u00eb cil\u00ebt duan t\u00eb investojn\u00eb n\u00eb vendin e tyre. Ka nj\u00eb k\u00ebrkes\u00eb t\u00eb vazhdueshme n\u00eb vite nga ky segment, por nuk ka qen\u00eb asnj\u00ebher\u00eb k\u00ebrkes\u00eb e lart\u00eb\u201d – thot\u00eb z. Albert Shehu, Drejtues i Departamentit t\u00eb Kredive Hipotekore dhe Financimit t\u00eb Konsumatorit n\u00eb BKT.<\/p>\n

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Miniature home on sheet of percent signs<\/figcaption><\/figure>\n

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Bashk\u00ebpunimi me nd\u00ebrtuesit p\u00ebr shitje n\u00eb nd\u00ebrtimet e reja<\/strong><\/p>\n

Shum\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>\n

Forma 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

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Edhe kompanit\u00eb e real estate, komisionere<\/strong><\/p>\n

N\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

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Kredia p\u00ebr nd\u00ebrtimin, n\u00eb r\u00ebnie p\u00ebr t\u00eb kat\u00ebrtin vit radhazi<\/strong><\/p>\n

Nj\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

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\"\"<\/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<meta name=\"description\" content=\"Kredia p\u00ebr blerjen e pasurive t\u00eb paluajtshme po rritet me shpejt\u00ebsi. 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