{"id":6191,"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":"shqiptaret-me-shume-kredi-per-te-blere-shtepi","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6191","title":{"rendered":"Shqiptar\u00ebt, m\u00eb shum\u00eb kredi p\u00ebr t\u00eb bler\u00eb sht\u00ebpi"},"content":{"rendered":"
Shqiptar\u00ebt e gjejn\u00eb tek kredimarrja zgjidhjen p\u00ebr t\u00eb bler\u00eb sht\u00ebpi. Pjesa m\u00eb e madhe e kredive t\u00eb l\u00ebshuara nga bankat tregtare ndaj individ\u00ebve kan\u00eb p\u00ebr q\u00ebllim blerjen e banesave duke e kthyer k\u00ebt\u00eb sektor n\u00eb nj\u00eb nd\u00ebr m\u00eb t\u00eb financuarit n\u00eb vend. <\/p>\n

Referuar t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, m\u00eb shum\u00eb se 70 p\u00ebr qind e totalit t\u00eb kredis\u00eb s\u00eb l\u00ebshuar nga bankat \u00ebsht\u00eb p\u00ebrdorur p\u00ebr strehim, nd\u00ebrkoh\u00eb q\u00eb t\u00eb mira t\u00eb t\u00eb tjera, si blerja e makinave, mobiljeve apo financimi i pushimeve mbeten prioritet t\u00eb dor\u00ebs s\u00eb dyt\u00eb dhe t\u00eb tret\u00eb. Madje, shumat e harxhuara p\u00ebr k\u00ebt\u00eb q\u00ebllim po ulen me ritme t\u00eb larta gjat\u00eb viteve t\u00eb fundit.<\/p>\n

Nj\u00eb studim i kryer nga Open Data<\/span> Albania (ODA), n\u00eb lidhje me shp\u00ebrndarjen e kredis\u00eb q\u00eb kan\u00eb marr\u00eb individ\u00ebt gjat\u00eb vitit 2011, ka dal\u00eb n\u00eb p\u00ebrfundimin se pjesa m\u00eb e madhe e financimeve jan\u00eb k\u00ebrkuar p\u00ebr blerje apartamenti, nd\u00ebrsa v\u00ebrehet nj\u00eb ulje e ndjeshme e kredive p\u00ebr blerje makinash apo mallrash t\u00eb tjer\u00eb t\u00eb ngjash\u00ebm. Deri n\u00eb fund t\u00eb muajit janar 2011, nga bankat jan\u00eb l\u00ebshuar rreth 140 miliard\u00eb lek kredi, ku pjes\u00ebn d\u00ebrrmuese e p\u00ebrbejn\u00eb ato p\u00ebr sht\u00ebpi. <\/p>\n

Kat\u00ebr jan\u00eb llojet e kredis\u00eb q\u00eb merren nga individ\u00ebt. Lloji i par\u00eb ka t\u00eb b\u00ebj\u00eb me kredit\u00eb p\u00ebr blerjen e pasurive t\u00eb paluajtshme si\u00e7 jan\u00eb sht\u00ebpit\u00eb apo tokat, lloji i dyt\u00eb ka t\u00eb b\u00ebj\u00eb me kredit\u00eb p\u00ebr blerjen e mallrave t\u00eb q\u00ebndruesh\u00ebm, t\u00eb cilat p\u00ebrdoren p\u00ebr nj\u00eb periudh\u00eb afatgjat\u00eb, si\u00e7 jan\u00eb makinat, mobiljet apo mallra t\u00eb tjer\u00eb t\u00eb ngjash\u00ebm. Llojet e tjera t\u00eb kredis\u00eb q\u00eb mund t\u00eb marr\u00eb nj\u00eb individ jan\u00eb ato konsumatore, t\u00eb cilat p\u00ebrdoren kryesisht p\u00ebr financimin e shpenzimeve afatshkurtra, kredit\u00eb p\u00ebr ushtrim aktiviteti, t\u00eb cilat jan\u00eb t\u00eb lidhura direkt me hapjen e ndonj\u00eb biznesi si dhe overdraftet.<\/p>\n

Kredit\u00eb p\u00ebr sht\u00ebpi vazhdojn\u00eb t\u00eb z\u00ebn\u00eb \u00e7do muaj e m\u00eb shum\u00eb hap\u00ebsir\u00eb n\u00eb totalin e kredive t\u00eb l\u00ebshuara nga bankat. N\u00eb vitin 2007, kredit\u00eb p\u00ebr sht\u00ebpi zun\u00eb rreth 63 p\u00ebr qind t\u00eb totalit t\u00eb kredive, n\u00eb vitin 2008 ky tregues \u00ebsht\u00eb rritur deri n\u00eb rreth 66 p\u00ebr qind, nd\u00ebrkoh\u00eb q\u00eb p\u00ebrgjat\u00eb viteve 2009 dhe 2010 kredimarrja p\u00ebr sht\u00ebpi \u00ebsht\u00eb v\u00ebrtitur n\u00eb rreth 70 p\u00ebr qind t\u00eb totalit t\u00eb kredive t\u00eb l\u00ebshuara nga bankat. E nj\u00ebjta tendenc\u00eb rritje v\u00ebrehet edhe p\u00ebrgjat\u00eb muajit t\u00eb par\u00eb t\u00eb vitit 2011, ku kredit\u00eb p\u00ebr sht\u00ebpi kan\u00eb z\u00ebn\u00eb 70.7 p\u00ebr qind t\u00eb totalit t\u00eb kredive.<\/p>\n

Duket se shqiptar\u00ebt kan\u00eb hequr dor\u00eb nga shpenzimet e t\u00eb tilla, si\u00e7 jan\u00eb ato p\u00ebr blerja makinash apo mobilim sht\u00ebpie, q\u00eb prej fillimit t\u00eb shfaqjes s\u00eb shenjave t\u00eb kriz\u00ebs ekonomike bot\u00ebrore edhe n\u00eb vendin ton\u00eb. N\u00ebse p\u00ebrgjat\u00eb viteve 2007-2008, kredit\u00eb t\u00eb k\u00ebtij lloji kan\u00eb z\u00ebn\u00eb rreth 16 p\u00ebr qind t\u00eb totalit t\u00eb kredive, n\u00eb fund t\u00eb vitit 2010 ato jan\u00eb ulur deri n\u00eb 5.4 p\u00ebr qind. P\u00ebrgjat\u00eb viteve t\u00eb fundit \u00ebsht\u00eb v\u00ebrejtur nj\u00eb rritje e kredive konsumatore. <\/p>\n

Politikat e bankave apo leht\u00ebsia q\u00eb miratohen k\u00ebto kredi n\u00eb raport m\u00eb te tjerat, ka b\u00ebr\u00eb q\u00eb individ\u00ebt t\u00eb jen\u00eb m\u00eb t\u00eb prirur p\u00ebr t\u00eb marr\u00eb kredi konsumatore. <\/p>\n

Disa jav\u00eb m\u00eb par\u00eb, Banka e Shqip\u00ebris\u00eb botoi raportin p\u00ebr aktivitetin kreditues n\u00eb Shqip\u00ebri p\u00ebrgjat\u00eb tremujorit t\u00eb kat\u00ebrt n\u00eb Shqip\u00ebri duke parashikuar shtr\u00ebngim t\u00eb kushteve p\u00ebr kredit\u00eb konsumatore apo p\u00ebr blerje sht\u00ebpie p\u00ebrgjat\u00eb muajve t\u00eb par\u00eb t\u00eb k\u00ebtij viti. K\u00ebto dy lloje kredish jan\u00eb edhe m\u00eb t\u00eb k\u00ebrkuarat nd\u00ebrkoh\u00eb nga individ\u00ebt. <\/p>\n

Ulen kredit\u00eb p\u00ebr ushtrim aktiviteti<\/span><\/p>\n

Rritja e kredive p\u00ebr sht\u00ebpi p\u00ebrgjat\u00eb janarit 2011 \u00ebsht\u00eb b\u00ebr\u00eb kryesisht n\u00eb kurriz t\u00eb kredive p\u00ebr ushtrim aktiviteti. N\u00eb raportin p\u00ebr aktivitetin kreditues t\u00eb publikuar gjat\u00eb fundit t\u00eb vitit 2010, Banka e Shqip\u00ebris\u00eb kishte parashikuar nj\u00eb shtr\u00ebngim t\u00eb m\u00ebtejsh\u00ebm t\u00eb kushteve t\u00eb kreditimit p\u00ebr individ\u00ebt. Nj\u00eb gj\u00eb e till\u00eb \u00ebsht\u00eb v\u00ebrtetuar tek kredit\u00eb p\u00ebr ushtrim aktiviteti. Nuk dihet n\u00ebse kan\u00eb qen\u00eb politikat shtr\u00ebnguese t\u00eb bankave apo interesi i ul\u00ebt i individ\u00ebve p\u00ebr k\u00ebt\u00eb lloj kredie, por t\u00eb dh\u00ebnat tregojn\u00eb se ajo ka p\u00ebsuar ulje t\u00eb m\u00ebtejshme p\u00ebrgjat\u00eb muajit t\u00eb par\u00eb t\u00eb vitit 2011.


INSTAT, p\u00ebrkeq\u00ebsohet sektori nd\u00ebrtimit<\/span><\/p>\n

Rritja e pesh\u00ebs s\u00eb kredive p\u00ebr blerje banese por ec\u00ebn n\u00eb kah t\u00eb kund\u00ebrt me zhvillimin e sektorit t\u00eb nd\u00ebrtimit n\u00eb Shqip\u00ebri. T\u00eb dh\u00ebnat e Institutit t\u00eb Statistikave p\u00ebr Prodhimin e Brendsh\u00ebm Bruto 2010 raportojn\u00eb p\u00ebr p\u00ebrkeq\u00ebsim t\u00eb treguesve t\u00eb sektorit t\u00eb nd\u00ebrtimit p\u00ebrgjat\u00eb k\u00ebtij viti. Madje, periudha m\u00eb e keqe e aktivitetit t\u00eb nd\u00ebrtimit ishte tre mujori i fundit i 2010-s, p\u00ebrgjat\u00eb t\u00eb cilin ky sektor p\u00ebsoi nj\u00eb r\u00ebnie me rreth 15 p\u00ebr qind krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit 2009.\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Shqiptar\u00ebt e gjejn\u00eb tek kredimarrja zgjidhjen p\u00ebr t\u00eb bler\u00eb sht\u00ebpi. Pjesa m\u00eb e madhe e kredive t\u00eb l\u00ebshuara nga bankat tregtare ndaj individ\u00ebve kan\u00eb p\u00ebr q\u00ebllim blerjen e banesave duke e kthyer k\u00ebt\u00eb sektor n\u00eb nj\u00eb nd\u00ebr m\u00eb t\u00eb financuarit n\u00eb vend. Referuar t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, m\u00eb shum\u00eb se 70 p\u00ebr qind e totalit t\u00eb kredis\u00eb s\u00eb l\u00ebshuar nga bankat \u00ebsht\u00eb p\u00ebrdorur… <\/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":[{"id":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":6191,"position":0},"title":"Financimi i Koncesioneve dhe PPP me Kredi nga Sektori Bankar 2015-2025","date":"August 15, 2025","format":false,"excerpt":"Open Data Albania po hulumton n\u00eb lidhje me nivelin e kreditimit t\u00eb bizneseve Koncesionare dhe PPP nga Banka te Nivelit t\u00eb Dyt\u00eb ne vend. 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