{"id":6190,"date":"2012-02-28T12:03:12","date_gmt":"2012-02-28T12:03:12","guid":{"rendered":""},"modified":"2012-02-28T12:03:12","modified_gmt":"2012-02-28T12:03:12","slug":"kredite-shqiptaret-ne-borxh-bankar-per-banesa-dhe-prona","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6190","title":{"rendered":"Kredit\u00eb, shqiptar\u00ebt n\u00eb borxh bankar p\u00ebr banesa dhe prona"},"content":{"rendered":"
Shumica e kredive gjat\u00eb 2011 u mor\u00ebn p\u00ebr pasuri t\u00eb paluajtshme <\/span><\/p>\n

Shqiptar\u00ebt tashm\u00eb kan\u00eb gjetur kredin\u00eb si rrug\u00ebn e vetme p\u00ebr tu b\u00ebr\u00eb pronar banese ose toke. Open Data Albania<\/span> ka kryer nj\u00eb hulumtim mbi kredidh\u00ebnien e bankave ndaj individ\u00ebve n\u00eb Shqip\u00ebri gjat\u00eb viteve t\u00eb fundit, bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Lloji i kredis\u00eb sipas q\u00ebllimit \u00ebsht\u00eb ndar\u00eb n\u00eb kategorit\u00eb: pasuri t\u00eb paluajtshme, mallra t\u00eb q\u00ebndrueshme,<\/p>\n

mallra jo t\u00eb q\u00ebndrueshme, ushtrim aktiviteti dhe overdraft. Pasuria e paluajtshme p\u00ebrfaq\u00ebson kredit\u00eb p\u00ebr blerjen e banesave dhe tokave. Mallrat e q\u00ebndrueshme p\u00ebrfaq\u00ebsojn\u00eb blerjen e mallrave afatgjat\u00eb si psh: autoveturat dhe mobiljet. Mallrat jo t\u00eb q\u00ebndrueshme p\u00ebrfaq\u00ebsojn\u00eb marrjen e kredive konsumatore, psh: kredi p\u00ebr pushime, apo shkollim. Ushtrimi i aktivitetit p\u00ebrfaq\u00ebson marrjen e kredis\u00eb p\u00ebr hapjen e bizneseve private. Nd\u00ebrsa overdrafti \u00ebsht\u00eb nj\u00eb kredi afatshkurt\u00ebr mbi llogarin\u00eb rrjedh\u00ebse. <\/p>\n

Nga t\u00eb dh\u00ebnat e vitit 2011, deri n\u00eb fund t\u00eb muajit janar, rezulton se kredidh\u00ebnia bankare sipas q\u00ebllimit paraqitet si m\u00eb posht\u00eb; pjesa m\u00eb e madhe e kredis\u00eb ndaj individ\u00ebve \u00ebsht\u00eb dh\u00ebn\u00eb p\u00ebr blerjen e pasurive t\u00eb paluajtshme pra 100.6 miliard\u00eb lek\u00eb, e ndjekur nga blerja e mallrave jo t\u00eb q\u00ebndrueshme me 16.2 miliard\u00eb lek\u00eb, kredia p\u00ebr ushtrimin e aktivitetit me 11.6 miliard\u00eb lek\u00eb, blerja e mallrave t\u00eb q\u00ebndrueshme me 7.7 miliard\u00eb lek\u00eb dhe overdrafti me 6.1 miliard\u00eb lek\u00eb. N\u00eb vitin 2011, n\u00eb totalin e kredidh\u00ebnies t\u00eb sistemit bankar, pasuria e paluajtshme z\u00eb rreth 70.7%, blerja e mallrave jo t\u00eb q\u00ebndrueshme rreth 11.4%, ushtrimi i aktivitetit 8.1%, mallrat e q\u00ebndrueshme 5.4% dhe overdrafti 4.3%. Gjat\u00eb viteve t\u00eb fundit, vihet re nj\u00eb rritje e pesh\u00ebs s\u00eb kredive p\u00ebr blerjen e pasurive t\u00eb paluajtshme dhe t\u00eb mallrave jo t\u00eb q\u00ebndrueshme, dhe nj\u00eb ulje e pesh\u00eb s\u00eb kredive p\u00ebr ushtrim aktiviteti dhe blerjen e mallrave t\u00eb q\u00ebndrueshme.<\/p>\n

Kredia dhe interesat <\/span><\/p>\n

Kredia \u00ebsht\u00eb zgjedhja q\u00eb ju vjen n\u00eb ndihm\u00eb n\u00eb form\u00ebn e nj\u00eb sasie parash, por q\u00eb duhet paguar zakonisht me k\u00ebste mujore ose tremujore (ndodh t\u00eb paguhet edhe n\u00eb k\u00ebste 6- mujore ose 1- vje\u00e7are) p\u00ebr nj\u00eb periudh\u00eb kohe t\u00eb caktuar pasi t\u00eb jet\u00eb llogaritur nj\u00eb norm\u00eb interesi. Nj\u00eb norm\u00eb interesi \u00ebsht\u00eb \u00e7mimi q\u00eb nj\u00eb person paguan p\u00ebr p\u00ebrdorimin e parave q\u00eb merr hua nga banka ose pagesa q\u00eb merr nj\u00eb huadh\u00ebn\u00ebs p\u00ebr parat\u00eb e tij t\u00eb dh\u00ebna hua. Ndryshe, norma e interesit njihet dhe si kostoja e t\u00eb mbajturit t\u00eb paras\u00eb. Zakonisht normat e interesit shprehen n\u00eb p\u00ebrqindje p\u00ebr nj\u00eb afat nj\u00ebvje\u00e7ar. Interesi i paraqitur nga bankat e nivelit t\u00eb dyt\u00eb p\u00ebr kredit\u00eb q\u00eb ato japin, zakonisht paraqet norm\u00ebn nominale. Norma faktike e interesit n\u00eb shumic\u00ebn e rasteve \u00ebsht\u00eb m\u00eb e lart\u00eb se ajo e paraqitur nga bankat dhe llogaritet n\u00ebp\u00ebrmjet nj\u00eb formule, e cila merr parasysh nd\u00ebr t\u00eb tjera, koh\u00ebzgjatjen e kredis\u00eb, numrin e pagesave p\u00ebr shlyerjen e saj, komisionet, sigurimet dhe shpenzime t\u00eb ndryshme<\/p>\n

Llojet e kredive <\/span><\/p>\n

Bankat ofrojn\u00eb nj\u00eb larmishm\u00ebri kredish p\u00ebr t\u00eb realizuar nevojat e individ\u00ebve dhe t\u00eb biznesit. M\u00eb t\u00eb p\u00ebrhapura n\u00eb vendin ton\u00eb jan\u00eb kredit\u00eb e renditura m\u00eb posht\u00eb: Kredia konsumatore \u00ebsht\u00eb nj\u00eb mjet financimi, e shpejt\u00eb dhe fleksib\u00ebl q\u00eb mbulon nevojat tuaja p\u00ebr: blerjet e pajisjeve elektronike, t\u00eb mobilieve, t\u00eb autoveturave personale. Kredia p\u00ebr sht\u00ebpi \u00ebsht\u00eb nj\u00eb mund\u00ebsi q\u00eb ju lejon blerjen e nj\u00eb apartamenti t\u00eb d\u00ebshiruar.<\/p>\n

Bankat ofrojn\u00eb mund\u00ebsi t\u00eb shumta me kushte t\u00eb ndryshme. Kredia personale \u00ebsht\u00eb nj\u00eb mjet, q\u00eb mund t\u00eb p\u00ebrdoret p\u00ebr t\u00eb plot\u00ebsuar nevojat tuaja m\u00eb t\u00eb ngutshme si arsimim, udh\u00ebtim turistik, mjekim m\u00eb i mir\u00eb, blerje kompjuteri etj. Kjo \u00ebsht\u00eb nj\u00eb lloj kredie shum\u00eb e shpejt\u00eb q\u00eb ju mund ta p\u00ebrfitoni leht\u00eb. Kredi me kapital qarkullues \u00ebsht\u00eb nj\u00eb lloj kredie q\u00eb ofrohet n\u00eb form\u00ebn e nj\u00eb paradh\u00ebnieje bankare ose llogarie me tepric\u00eb debitore (overdrafti), p\u00ebr t\u00eb gjith\u00eb ata q\u00eb kan\u00eb nj\u00eb llogari me bank\u00ebn. Zakonisht \u00ebsht\u00eb e p\u00ebrshtatshme p\u00ebr kompanit\u00eb ose p\u00ebr personat q\u00eb kan\u00eb k\u00ebrkesa t\u00eb vazhdueshme p\u00ebr t\u00eb qarkulluar para. Kredi p\u00ebr investime, \u00ebsht\u00eb lloji i kredis\u00eb q\u00eb ndihmon p\u00ebr financimin e blerjeve t\u00eb mobilieve dhe pajisjeve p\u00ebr zyr\u00eb, p\u00ebr makineri nd\u00ebrtimi, rinovim e zgjerim t\u00eb mjediseve t\u00eb biznesit. Kredia e biznesit \u00ebsht\u00eb nj\u00eb mjet q\u00eb ofron financime p\u00ebr investime afatshkurtra dhe afatmesme. Kjo kredi ju jep mund\u00ebsi p\u00ebr zgjerimin e aktivitetit t\u00eb biznesit. <\/p>\n

Ju mund ta p\u00ebrdorni k\u00ebt\u00eb kredi p\u00ebr t\u00eb bler\u00eb makineri apo pajisje, p\u00ebr t\u00eb rinovuar teknologjin\u00eb apo p\u00ebr \u00e7do investim tjet\u00ebr dhe rifinancim t\u00eb kredive ekzistuese. Fleksi kredi nga llogaria rrjedh\u00ebse \u00ebsht\u00eb nj\u00eb paradh\u00ebnie bankare, e cila ju ndihmon t\u00eb plot\u00ebsoni nevojat tuaja financiare afatshkurtra. Kjo mund\u00ebsi ofrohet p\u00ebr t\u00eb gjith\u00eb personat q\u00eb kan\u00eb nj\u00eb llogari n\u00eb bank\u00ebn q\u00eb e jep k\u00ebt\u00eb lloj kredie. Bankat ofrojn\u00eb dhe kredi p\u00ebr rikonstruksion banese.
\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Shumica e kredive gjat\u00eb 2011 u mor\u00ebn p\u00ebr pasuri t\u00eb paluajtshme Shqiptar\u00ebt tashm\u00eb kan\u00eb gjetur kredin\u00eb si rrug\u00ebn e vetme p\u00ebr tu b\u00ebr\u00eb pronar banese ose toke. Open Data Albania ka kryer nj\u00eb hulumtim mbi kredidh\u00ebnien e bankave ndaj individ\u00ebve n\u00eb Shqip\u00ebri gjat\u00eb viteve t\u00eb fundit, bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Lloji i kredis\u00eb sipas q\u00ebllimit \u00ebsht\u00eb ndar\u00eb n\u00eb kategorit\u00eb: pasuri t\u00eb… <\/p>\n","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[41],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-1BQ","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6190"}],"collection":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6190"}],"version-history":[{"count":0,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6190\/revisions"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6190"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6190"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}