Forcimi i Lekut dhe normat m\u00eb t\u00eb ul\u00ebta t\u00eb interesit p\u00ebr kredit\u00eb n\u00eb monedh\u00ebn vendase k\u00ebt\u00eb vit kan\u00eb b\u00ebr\u00eb q\u00eb shum\u00eb huamarr\u00ebs t\u2019i konvertojn\u00eb kredit\u00eb nga Euro n\u00eb Lek\u00eb.<\/p>\n\n\n\n
Banka e Shqip\u00ebris\u00eb v\u00eb n\u00eb dukje se gjat\u00eb tremujorit t\u00eb tret\u00eb t\u00eb vitit shum\u00eb biznese dhe individ\u00eb q\u00eb kishin kredi n\u00eb valut\u00eb dhe kryesisht n\u00eb euro kan\u00eb zgjedhur t\u2019i kthejn\u00eb k\u00ebto kredi n\u00eb monedh\u00ebn vendase.<\/p>\n\n\n\n
Faktor\u00ebt kryesor\u00eb q\u00eb kan\u00eb mb\u00ebshtetur k\u00ebt\u00eb zhvendosje kan\u00eb qen\u00eb mbi\u00e7mimi i monedh\u00ebs vendase, normat m\u00eb t\u00eb ul\u00ebta t\u00eb interesit t\u00eb kredis\u00eb hipotekare n\u00eb lek\u00eb krahasuar me at\u00eb n\u00eb euro, si dhe leht\u00ebsirat rregullative p\u00ebr ndryshimin e monedh\u00ebs s\u00eb kredis\u00eb pa penalitet.<\/p>\n\n\n\n
N\u00eb fund t\u00eb muajit shtator, kredia n\u00eb lek\u00eb p\u00ebr biznese sh\u00ebnonte nj\u00eb zgjerim vjetor prej 7.6%, ndjesh\u00ebm m\u00eb e lart\u00eb se rritja mesatare prej 1% e gjasht\u00ebmujorit t\u00eb par\u00eb t\u00eb vitit. Zhvillimet e m\u00ebsip\u00ebrme kan\u00eb rezultuar n\u00eb rritjen e pesh\u00ebs s\u00eb kredis\u00eb n\u00eb lek\u00eb ndaj totalit n\u00eb 46%, n\u00eb nivelet m\u00eb t\u00eb larta historike.<\/p>\n\n\n\n
N\u00eb ngjashm\u00ebri me tendencat e v\u00ebrejtura tek bizneset, kredia n\u00eb valut\u00eb e individ\u00ebve \u00ebsht\u00eb ngadal\u00ebsuar duke zbritur n\u00eb 13.9% n\u00eb tremujorin e tret\u00eb, nga nj\u00eb mesatare prej 21% n\u00eb gjasht\u00ebmujorin e par\u00eb. Paralelisht, kredia n\u00eb lek\u00eb p\u00ebr individ\u00eb ka shfaqur p\u00ebrmir\u00ebsim t\u00eb normave t\u00eb rritjes, t\u00eb cilat arrit\u00ebn n\u00eb 12.6% n\u00eb tremujorin e tret\u00eb nga 8% nj\u00eb tremujor m\u00eb par\u00eb.<\/p>\n\n\n\n
Kjo zhvendosje e dukshme e kreditimit drejt lekut nuk reflekton vet\u00ebm nj\u00eb orientim m\u00eb t\u00eb madh t\u00eb kredive t\u00eb reja drejt monedh\u00ebs vendase, por edhe konvertimin e kredive ekzistuese.<\/p>\n\n\n\n
P\u00ebr her\u00eb t\u00eb par\u00eb gjat\u00eb k\u00ebtij viti, normat e interesit t\u00eb kredis\u00eb n\u00eb lek\u00eb ishin m\u00eb t\u00eb ul\u00ebta krahasuar me kredit\u00eb n\u00eb euro. Banka e Shqip\u00ebris\u00eb e frenoi ndjesh\u00ebm normalizimin e normave t\u00eb interesit k\u00ebt\u00eb vit dhe deri n\u00eb fillim t\u00eb muajit n\u00ebntor norma baz\u00eb e interesit ishte n\u00eb nivelin 3%. Kjo b\u00ebri q\u00eb yield-et e titujve qeveritar\u00eb t\u00eb binin ndjesh\u00ebm dhe t\u00eb reflektoheshin edhe n\u00eb norma m\u00eb t\u00eb ul\u00ebta interesi t\u00eb kredive.<\/p>\n\n\n\n
P\u00ebrkundrazi, Banka Qendrore Europiane k\u00ebt\u00eb vit ka ndjekur nj\u00eb qasje mjaft agresive, me rritje t\u00eb nj\u00ebpasnj\u00ebshme t\u00eb norm\u00ebs baz\u00eb t\u00eb interesit deri n\u00eb nivelin m\u00eb t\u00eb lart\u00eb historik prej 4.5%. Kjo \u00ebsht\u00eb p\u00ebrcjell\u00eb n\u00eb rritjen e Euriborit dhe rrjedhimisht edhe t\u00eb normave t\u00eb kredive me interes t\u00eb ndryshuesh\u00ebm n\u00eb Euro.<\/p>\n\n\n\n
Norma mesatare e interesit p\u00ebr kredit\u00eb e reja n\u00eb lek\u00eb p\u00ebr biznesin n\u00eb tremujorin e tret\u00eb rezultoi 6.4% nga 6.9% q\u00eb ishte n\u00eb gjysm\u00ebn e par\u00eb t\u00eb vitit. Nd\u00ebrsa norma e interesit p\u00ebr kredit\u00eb n\u00eb euro t\u00eb bizneseve rezultoi 6.4% n\u00eb tremujorin e tret\u00eb t\u00eb vitit nga 5.8% n\u00eb pjes\u00ebn e par\u00eb t\u00eb vitit dhe 5.4% nj\u00eb vit m\u00eb par\u00eb.<\/p>\n\n\n\n
Nj\u00eb tendenc\u00eb e ngjashme \u00ebsht\u00eb v\u00ebrejtur edhe p\u00ebr individ\u00ebt. Interesi mesatar i kredis\u00eb n\u00eb lek p\u00ebr individ\u00eb sh\u00ebnoi 6.7% n\u00eb tremujorin e tret\u00eb nga 7.0% dhe 7.6% q\u00eb ishte n\u00eb dy tremujor\u00ebt paraardh\u00ebs. Interesi mesatar i kredis\u00eb s\u00eb re n\u00eb euro p\u00ebr individ\u00ebt sh\u00ebnoi nj\u00eb rritje t\u00eb leht\u00eb duke arritur n\u00eb 5.5% n\u00eb tremujorin e tret\u00eb, nga 5.3% dhe 4.1% q\u00eb ishin vlerat e dy tremujor\u00ebve t\u00eb m\u00ebparsh\u00ebm<\/p>\n\n\n\n
Nd\u00ebrkoh\u00eb, k\u00ebt\u00eb vit Leku sh\u00ebnoi nj\u00eb forcim t\u00eb paprecedent\u00eb n\u00eb kursin e k\u00ebmbimit me Euron. Kursi i k\u00ebmbimit Euro-Lek zbriti deri pran\u00eb kufirit t\u00eb 100 lek\u00ebve n\u00eb korrik, nd\u00ebrsa r\u00ebnia vjetore e kursit shkoi n\u00eb m\u00eb shum\u00eb se 14%. N\u00eb k\u00ebt\u00eb kushte, shum\u00eb individ\u00eb dhe biznese gjet\u00ebn nj\u00eb leverdi t\u00eb dyfisht\u00eb p\u00ebr t\u2019i kthyer kredit\u00eb e tyre nga Euro n\u00eb Lek\u00eb.<\/p>\n\n\n\n
Tendenca e kthimit t\u00eb kredive n\u00eb lek\u00eb vler\u00ebsohet se mund t\u00eb ket\u00eb ndikuar gjithashtu edhe ecurin\u00eb e kursit t\u00eb k\u00ebmbimit. Konvertimi i kredive n\u00eb monedh\u00ebn vendase n\u00ebnkupton rritje t\u00eb k\u00ebrkes\u00ebs p\u00ebr lek\u00eb dhe shtim t\u00eb ofert\u00ebs s\u00eb Euro n\u00eb tregun valutor. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, kjo do t\u00eb shpjegonte, mes t\u00eb tjerash, forcimin e Lekut n\u00eb kursin e k\u00ebmbimit me Euron.<\/p>\n\n\n\n
Megjith\u00ebse teoria sugjeron se mbajtja e normave m\u00eb t\u00eb ul\u00ebta t\u00eb interesit ka t\u00eb ngjar\u00eb ta zhvler\u00ebsoj\u00eb monedh\u00ebn, kjo nuk ka ndodhur me Lekun k\u00ebt\u00eb vit, madje, monedha vendase \u00ebsht\u00eb forcuar m\u00eb shume se kurr\u00eb m\u00eb par\u00eb ndaj Euros.<\/p>\n\n\n\n
Kjo d\u00ebshmon se kursi i k\u00ebmbimit n\u00eb Shqip\u00ebri p\u00ebrcaktohet m\u00eb s\u00eb shumti nga flukset hyr\u00ebse neto t\u00eb valut\u00ebs s\u00eb huaj, por ndoshta edhe faktin se diferenca n\u00eb normat e interesit ka ndikuar m\u00eb shum\u00eb huan\u00eb, se sa kursimet dhe investimet e publikut. MONITOR<\/strong><\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n","protected":false},"excerpt":{"rendered":" Forcimi i Lekut dhe normat m\u00eb t\u00eb ul\u00ebta t\u00eb interesit p\u00ebr kredit\u00eb n\u00eb monedh\u00ebn vendase k\u00ebt\u00eb vit kan\u00eb b\u00ebr\u00eb q\u00eb shum\u00eb huamarr\u00ebs t\u2019i konvertojn\u00eb kredit\u00eb nga Euro n\u00eb Lek\u00eb. Banka e Shqip\u00ebris\u00eb v\u00eb n\u00eb dukje se gjat\u00eb tremujorit t\u00eb tret\u00eb t\u00eb vitit shum\u00eb biznese dhe individ\u00eb q\u00eb kishin kredi n\u00eb valut\u00eb dhe kryesisht n\u00eb euro …<\/p>\n","protected":false},"author":1,"featured_media":18524,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-18523","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomia"],"jetpack_featured_media_url":"https:\/\/voranews.al\/wp-content\/uploads\/2023\/11\/IMG_7182.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/18523","targetHints":{"allow":["GET"]}}],"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=18523"}],"version-history":[{"count":1,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/18523\/revisions"}],"predecessor-version":[{"id":18525,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/18523\/revisions\/18525"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/media\/18524"}],"wp:attachment":[{"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}