Mbyllja e plot\u00eb e sporteleve fizike t\u00eb kadastr\u00ebs po krijon probleme t\u00eb m\u00ebdha edhe p\u00ebr sektorin bankar.<\/p>\n\n\n\n
Sipas Shoqat\u00ebs Shqiptare t\u00eb Bankave, moskryerja e veprimeve t\u00eb bllokimit t\u00eb pronave q\u00eb lihen si kolateral \u00ebsht\u00eb b\u00ebr\u00eb nj\u00eb faktor me ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb frenimin e kredis\u00eb n\u00eb dy muajt e fundit.<\/p>\n\n\n\n
Sipas analizave t\u00eb brendshme t\u00eb bankave, shifrat e disbursimeve po shfaqin r\u00ebnie t\u00eb ndjeshme dhe vler\u00ebsohet se faktori kryesor \u00ebsht\u00eb pik\u00ebrisht bllokimi i veprimeve t\u00eb Kadastr\u00ebs.<\/p>\n\n\n\n
Burimet b\u00ebjn\u00eb t\u00eb ditur se Shoqata e Bankave i \u00ebsht\u00eb drejtuar Drejtores s\u00eb P\u00ebrgjithshme t\u00eb Agjencis\u00eb Komb\u00ebtare t\u00eb Kadastr\u00ebs p\u00ebr t\u00eb shprehur shqet\u00ebsimin p\u00ebr k\u00ebt\u00eb situat\u00eb dhe p\u00ebr t\u00eb marr\u00eb informacion lidhur me pun\u00ebn q\u00eb po b\u00ebhet p\u00ebr zgjidhjen e problemeve. Por, deri tani, titullarja e Kadastr\u00ebs nuk ka kthyer asnj\u00eb p\u00ebrgjigje.<\/p>\n\n\n\n
Pjesa m\u00eb e madhe e kredis\u00eb bankare \u00ebsht\u00eb e garantuar me kolataral n\u00eb form\u00ebn e pasurive t\u00eb paluajtshme. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb vitit 2022 pronat mbulonin 60% t\u00eb portofolit t\u00eb kredis\u00eb n\u00eb valut\u00eb t\u00eb huaj dhe 52% t\u00eb portofolit t\u00eb kredis\u00eb n\u00eb lek\u00eb.<\/p>\n\n\n\n
P\u00ebrdorimi i pasurive t\u00eb paluajtshme si kolateral \u00ebsht\u00eb m\u00eb i lart\u00eb te individ\u00ebt, ku pronat garantojn\u00eb 72% t\u00eb kredive n\u00eb valut\u00eb dhe 55% t\u00eb kredive n\u00eb lek\u00eb. P\u00ebr bizneset, pasurit\u00eb e paluajtshme mbulojn\u00eb 70% t\u00eb kredis\u00eb n\u00eb valut\u00eb dhe 48% t\u00eb kredis\u00eb n\u00eb lek\u00eb.<\/p>\n\n\n\n
N\u00eb rastet kur kredia do t\u00eb garantohet me kolateral n\u00eb form\u00ebn e pasuris\u00eb s\u00eb paluajtshme, klienti \u00ebsht\u00eb i detyruar t\u00eb pranoj\u00eb vendosjen e barr\u00ebs hipotekore mbi pron\u00ebn n\u00eb favor t\u00eb bank\u00ebs. Vendosja e hipotek\u00ebs ligjore mbi pasurit\u00eb e paluajtshme \u00ebsht\u00eb nj\u00eb veprim q\u00eb duhet regjistruar n\u00eb kartel\u00ebn kadastrale t\u00eb pron\u00ebs, pran\u00eb drejtorive vendore t\u00eb Agjencis\u00eb Shtet\u00ebrore t\u00eb Kadastr\u00ebs.<\/p>\n\n\n\n
Qeveria shqiptare vendosi mbylljen e t\u00eb gjitha sporteleve fizike t\u00eb kadastr\u00ebs shtet\u00ebrore q\u00eb prej dat\u00ebs 3 korrik t\u00eb k\u00ebtij viti dhe ofrimin e t\u00eb gjitha sh\u00ebrbimeve t\u00eb k\u00ebsaj agjencie ekskluzivisht online, n\u00ebp\u00ebrmjet portalit e-albania.<\/p>\n\n\n\n
Por, dixhitalizimi i plot\u00eb i sh\u00ebrbimit t\u00eb Kadastr\u00ebs ka krijuar vonesa t\u00eb m\u00ebdha n\u00eb koh\u00ebn e marrjes s\u00eb k\u00ebtyre sh\u00ebrbimeve, n\u00eb mos bllokim t\u00eb mir\u00ebfillt\u00eb t\u00eb marrjes s\u00eb tyre. Kjo situat\u00eb po krijon pasoja serioze p\u00ebr qytetar\u00ebt dhe ekonomin\u00eb.<\/p>\n\n\n\n
Tregu i pasurive t\u00eb paluajtshme n\u00eb vitet e fundit \u00ebsht\u00eb nd\u00ebr kontribuesit kryesor\u00eb t\u00eb rritjes s\u00eb ekonomike dhe bllokimi i sh\u00ebrbimeve t\u00eb Kadastr\u00ebs faktikisht e paralizon tregun dhe e b\u00ebn t\u00eb pamundur regjistrimin e kontratave t\u00eb shtiblerjes, por edhe t\u00eb kontratatve t\u00eb tjera t\u00eb lidhura me pasurit\u00eb e paluajtshme, p\u00ebrve\u00e7se marrjen e sh\u00ebrbimeve t\u00eb tjera kadastrale p\u00ebr qytetar\u00ebt.<\/p>\n\n\n\n
Por, efektet e k\u00ebsaj situate tashm\u00eb po shtrihen edhe n\u00eb sektor\u00eb t\u00eb lidhur t\u00eb ekonomis\u00eb, si\u00e7 \u00ebsht\u00eb sektori bankar. Sipas vrojtimeve periodike t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, af\u00ebrsisht gjysma e pronave shiten me kredi bankare.<\/p>\n\n\n\n
Deri n\u00eb mesin e k\u00ebtij viti, ecuria e kredis\u00eb bankare shfaqte nj\u00eb ecuri pozitive, pavar\u00ebsisht rritjes s\u00eb normave t\u00eb interesit. P\u00ebr gjasht\u00eb muajt e par\u00eb t\u00eb vitit, sektori bankar dha 139.6 miliard\u00eb lek\u00eb, n\u00eb rritje me 2.6% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Shifrat tregojn\u00eb se ecuria e kredis\u00eb k\u00ebt\u00eb vit po shfaqet m\u00eb e mir\u00eb se pritshm\u00ebrit\u00eb.<\/p>\n\n\n\n
Rritja e shpejt\u00eb e normave t\u00eb interesit vitin e kaluar besohej se do t\u00eb kishte nj\u00eb efekt n\u00eb frenimin e kreditimit p\u00ebr ekonomin\u00eb, por deri tani ky efekt ka qen\u00eb vet\u00ebm i pjessh\u00ebm. Nj\u00eb ndikim n\u00eb vijim\u00ebsin\u00eb e kreditimit duket t\u00eb ket\u00eb pasur ngadal\u00ebsimi i procesit t\u00eb normalizimit monetar nga Banka e Shqip\u00ebris\u00eb. Por, kreditimi rrezikon t\u00eb p\u00ebsoj\u00eb nj\u00eb frenim artificial, p\u00ebr shkak t\u00eb bllokimit t\u00eb sh\u00ebrbimeve t\u00eb Kadastr\u00ebs.<\/p>\n\n\n\n
Bllokohen dhe shit-blerjet e pronave<\/strong><\/p>\n\n\n\n Mbyllja e \u00e7do sporteli t\u00eb kadastr\u00ebs shtet\u00ebrore prej 3 Korrikut dhe ofrimi i sh\u00ebrbimit vet\u00ebm online n\u00ebp\u00ebrmjet e-Albania ka shkaktuar probleme p\u00ebr p\u00ebrfundimin e transaksioneve t\u00eb shit-blerjes s\u00eb pronave.<\/p>\n\n\n\n Agjent\u00ebt imobiliar\u00eb t\u00eb shitjeve t\u00eb pronave kan\u00eb ngritur m\u00eb her\u00ebt p\u00ebr \u201cMonitor\u201d shqet\u00ebsimin e bllokimit t\u00eb veprimtaris\u00eb s\u00eb tyre n\u00eb p\u00ebrfundimin e transaksioneve t\u00eb shitjes dhe blerjes. Dritan Leka nga agjencia imobiliare \u201cCentury 21 CPM Smart\u201d tha se reforma e dixhitalizimit ka sjell\u00eb q\u00eb nj\u00eb aplikim p\u00ebr shitje pron\u00eb n\u00eb Tiran\u00eb t\u00eb shfaqet n\u00eb sistemin e kadastr\u00ebs s\u00eb nj\u00eb qyteti tjet\u00ebr, t\u00eb cil\u00ebt nuk jan\u00eb n\u00eb gjendje t\u00eb p\u00ebrpunojn\u00eb t\u00eb dh\u00ebnat p\u00ebr Tiran\u00ebn, duke krijuar shum\u00eb shqet\u00ebsime.<\/p>\n\n\n\n I pyetur p\u00ebr situat\u00ebn e krijuar Agjencia Komb\u00ebtare t\u00eb Shoq\u00ebris\u00eb s\u00eb Informacionit (AKSHI) tha p\u00ebr Monitor se nuk kemi t\u00eb b\u00ebjm\u00eb me bllokim t\u00eb procesit, por vet\u00ebm me vonesa.<\/p>\n\n\n\n Sipas AKSHI-t vonesat vijn\u00eb pasi nuk jan\u00eb t\u00eb gjitha t\u00eb dh\u00ebnat t\u00eb dixhitalizuara, proces q\u00eb do t\u00eb p\u00ebrfundoj\u00eb me reform\u00ebn. AKSHI tha se vonesat do t\u00eb fillojn\u00eb t\u00eb eliminohen n\u00eb dit\u00ebt n\u00eb vijim. MONITOR<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" Mbyllja e plot\u00eb e sporteleve fizike t\u00eb kadastr\u00ebs po krijon probleme t\u00eb m\u00ebdha edhe p\u00ebr sektorin bankar. Sipas Shoqat\u00ebs Shqiptare t\u00eb Bankave, moskryerja e veprimeve t\u00eb bllokimit t\u00eb pronave q\u00eb lihen si kolateral \u00ebsht\u00eb b\u00ebr\u00eb nj\u00eb faktor me ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb frenimin e kredis\u00eb n\u00eb dy muajt e fundit. Sipas analizave t\u00eb brendshme t\u00eb …<\/p>\n","protected":false},"author":1,"featured_media":17602,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/voranews.al\/wp-content\/uploads\/2023\/08\/IMG_5443.png","_links":{"self":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/17601"}],"collection":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=17601"}],"version-history":[{"count":1,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/17601\/revisions"}],"predecessor-version":[{"id":17603,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/17601\/revisions\/17603"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/media\/17602"}],"wp:attachment":[{"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}