Paralajm\u00ebrimi i fundit i Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs (BQK) se n\u00eb nj\u00eb t\u00eb ardhme t\u00eb af\u00ebrt do t\u00eb rriten normat e interesit n\u00eb kredi, veqse ka filluar t\u00eb zbatohet n\u00eb Kosov\u00eb.<\/p>\n
Tashm\u00eb disa banka n\u00eb vend kan\u00eb filluar t\u2019i njoftojn\u00eb klient\u00ebt p\u00ebr ndryshimet n\u00eb normat e interesit, me arsyetimin \u201csi pasoj\u00eb e rritjes s\u00eb norm\u00ebs se EURIBOR-it n\u00eb tregun evropian\u201d. EURIBOR (shkurt p\u00ebr Euro InterBank Offered Rate ose p\u00ebrkthyer si Norma Nd\u00ebrBankare e Afatizimeve t\u00eb Eurove) jan\u00eb norma t\u00eb interesit mbi depozitat\/afatizimet me afate t\u00eb ndryshme maturimi (p\u00ebrfundimi) q\u00eb p\u00ebrcaktohen nga nj\u00eb panel i disa bankave elitare t\u00eb m\u00ebdha n\u00eb tregjet e paras\u00eb (kryesisht evropiane).<\/p>\n
Buletini Ekonomik ka siguruar d\u00ebshmi p\u00ebr bank\u00ebn Raiffeisen e cila ka njoftuar konsumator\u00ebt e saj se nga ky muaj do t\u00eb zbatoj\u00eb vendimin e ri p\u00ebr rritjen e normave t\u00eb interesit n\u00eb kredit\u00eb ekzistuese. Pra rritja e kamatave bankare q\u00eb u p\u00ebrfol nga ana e BQK-s\u00eb, nuk do t\u00eb vlej\u00eb vet\u00ebm p\u00ebr kredit\u00eb e reja, por do t\u00eb vlej\u00eb edhe p\u00ebr kredit\u00eb ekzistuese, me \u00e7\u2019rast do t\u00eb preken edhe t\u00eb gjitha familjet q\u00eb tashm\u00eb kan\u00eb marr\u00eb kredi n\u00eb ndonj\u00ebr\u00ebn prej bankave komerciale n\u00eb Kosov\u00eb.<\/p>\n
Sipas njoftimit q\u00eb ka l\u00ebshuar p\u00ebr klient\u00ebt e saj, Raiffeisen do ta rris\u00eb norm\u00ebn e interesit p\u00ebr 2% dhe kjo do t\u00eb vlej\u00eb edhe p\u00ebr kredit\u00eb ekzistuese, tek klient\u00ebt q\u00eb n\u00eb kontrat\u00ebn e kredis\u00eb e kan\u00eb t\u00eb p\u00ebrfshir\u00eb edhe kaluzol\u00ebn e EURIBOR-it.<\/p>\n
\u201cN\u00eb pajtueshm\u00ebri me marr\u00ebveshjen e kredis\u00eb dhe p\u00ebr shkak t\u00eb ndryshimit t\u00eb norm\u00ebs s\u00eb EURIBOR-it 6 mujor nga data 1 shkurt 2023 do t\u00eb ndryshoj norma e interesit p\u00ebr kredin\u00eb e juaj hipotekare. Norma e EURIBOR-it 6 mujor q\u00eb do t\u00eb aplikohet nga data 1 shkurt do t\u00eb jet\u00eb 2%\u201d, thuhet n\u00eb njoftimin e RBKO-s drejtuar nj\u00ebrit prej klient\u00ebve saj.<\/p>\n
Buletini Ekonomik dit\u00eb m\u00eb par\u00eb, ka krahasuar norm\u00ebn mesatare t\u00eb interesit n\u00eb kredi n\u00eb Kosov\u00eb p\u00ebr muajin korrik, q\u00eb ishte 6.1 p\u00ebr qind, krahasuar me muajin maj kur kjo norm\u00eb ishte 5.9 p\u00ebr qind. Rritja \u00ebsht\u00eb v\u00ebrejtur sidomos tek norma e interesit p\u00ebr kredit\u00eb konsumuse q\u00eb kishte shkuar n\u00eb 6.3 p\u00ebr qind, prej 6.2 p\u00ebr qind sa kishte qen\u00eb n\u00eb maj.<\/p>\n
Ndryshe, paralajm\u00ebrimi i Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs p\u00ebr rritjen e normave t\u00eb interesit n\u00eb sektorin bankar, ishte b\u00ebr\u00eb duke u mb\u00ebshtetur n\u00eb vendimet e fundit t\u00eb Bank\u00ebs Qendrore Evropiane (BQE) p\u00ebr rritjen e normave t\u00eb interesit n\u00eb kredi, me synimet p\u00ebr ta p\u00ebrballuar inflacionin e lart\u00eb.<\/p>\n
\u201c\u2026kostot e mbajtjes s\u00eb likuiditetit do t\u00eb sfidohen me rritjen e normave t\u00eb interesit n\u00eb nivel global t\u00eb cilat transmetohen direkt p\u00ebrmes financimit nga bankat am\u00eb. Politikat monetare t\u00eb disa bankave qendrore ve\u00e7se jan\u00eb kund\u00ebrp\u00ebrgjigjur rritjes s\u00eb inflacionit p\u00ebrmes rritjes s\u00eb normave baz\u00eb t\u00eb interesit. BQE ka hezituar t\u00eb nd\u00ebrhyj\u00eb dhe ndryshoj politik\u00ebn monetare n\u00eb gjysm\u00ebn e par\u00eb t\u00eb vitit 2022, kryesisht si pasoj\u00eb e ndikimit q\u00eb pritet t\u00eb ket\u00eb rritja e kostos s\u00eb financimit n\u00eb disa nga ekonomit\u00eb e BE-s\u00eb (recesionit potencial) dhe dob\u00ebsimit t\u00eb m\u00ebtejm\u00eb t\u00eb euros\u201d, thuhet n\u00eb \u201cRaportin e Stabilitetit Financiar\u201d t\u00eb BQK-s\u00eb.<\/p>\n
Banka Qendrore tutje n\u00eb k\u00ebt\u00eb raport ka th\u00ebn\u00eb se kriza pandemike rriti fillimisht pasigurin\u00eb e akter\u00ebve n\u00eb sistemin financiar p\u00ebr presion t\u00eb mundsh\u00ebm n\u00eb menaxhimin e likuiditetit. Mir\u00ebpo, sipas BQK-s\u00eb rritja e preferencave p\u00ebr kursime kundrejt shpenzimeve, por edhe e mund\u00ebsive t\u00eb reduktuara dhe pasigurive p\u00ebr t\u00eb shpenzuar n\u00eb koh\u00eb t\u00eb kriz\u00ebs, ndikoi q\u00eb bilanci i financimit t\u00eb bankave t\u00eb jet\u00eb n\u00eb favor t\u00eb pozit\u00ebs s\u00eb likuiditetit, pozit\u00eb q\u00eb u trash\u00ebgua edhe n\u00eb vitin 2021.<\/p>\n
\u201cMegjithat\u00eb, rritja persistente e inflacionit n\u00eb nivele t\u00eb papara n\u00eb dekad\u00ebn e fundit ka ndikuar q\u00eb BQE t\u00eb sinjalizoj p\u00ebr vendimin potencial t\u00eb rritjes s\u00eb normave t\u00eb interesit n\u00eb mbledhjen e k\u00ebshillit n\u00eb korrik 2022. Ndryshimet n\u00eb normat e interesit n\u00eb BQE do t\u00eb afektojn\u00eb indirekt kostot e mbajtjes s\u00eb likuiditetit dhe kostot e financimit n\u00eb vend. P\u00ebr m\u00eb tep\u00ebr, p\u00ebrkund\u00ebr norm\u00ebs s\u00eb lart\u00eb t\u00eb likuiditetit n\u00eb nivel sektori, shumica e bankave kan\u00eb sh\u00ebnuar r\u00ebnie t\u00eb raportit t\u00eb likuiditetit nga viti i kaluar, nd\u00ebr t\u00eb cilat disa me r\u00ebnie m\u00eb t\u00eb theksueshme\u201d.<\/p>\n
BQK ka treguar gjithashtu se edhe depozitat do t\u00eb sh\u00ebnojn\u00eb ulje n\u00eb krahasim me vitin e kaluar.<\/p>\n
\u201cProspektet p\u00ebr vitin 2022 dhe tutje japin indikacione p\u00ebr sfida t\u00eb reja t\u00eb rritura n\u00eb kontekst t\u00eb kostove t\u00eb financimit. Fillimisht, rritja e depozitave nuk pritet t\u00eb ket\u00eb trendin e rritjes sikurse n\u00eb vitin 2021, dhe kjo do te nxis\u00eb konkurrenc\u00ebn e bankave n\u00eb t\u00ebrheqje\/mbajtje t\u00eb depozitave, duke ndikuar rritjen e kostove t\u00eb financimit\u201d.<\/p>\n
Banka Qendrore Evropiane, p\u00ebr her\u00eb t\u00eb par\u00eb pas 11 vjet\u00ebsh, ka vendosur t\u2019i rris\u00eb normat e interesit, n\u00eb p\u00ebrpjekjeje p\u00ebr t\u00eb kontrolluar rritjen e inflacionit n\u00eb Eurozon\u00eb.<\/p>\n
Si\u00e7 ka b\u00ebr\u00eb t\u00eb ditur ky institucion m\u00eb 21 korrik, aktualisht jan\u00eb rritur normat ky\u00e7e t\u00eb interesit p\u00ebr 0.5 p\u00ebr qind n\u00eb 0.0 p\u00ebr qind, nd\u00ebrsa planifikohen edhe rritje t\u00eb tjera gjat\u00eb vitit.<\/p>\n
Sipas Bank\u00ebs Qendrore Evropiane, kur \u00e7mimet n\u00eb ekonomi rriten shpejt, dometh\u00ebn\u00eb kur inflacioni \u00ebsht\u00eb shum\u00eb i lart\u00eb, rritja e normave t\u00eb interesit ndihmon n\u00eb rikthimin e inflacionit n\u00eb objektivin prej 2 p\u00ebr qind, n\u00eb nj\u00eb periudh\u00eb afatmesme.\/buletiniekonomik\/<\/p>\n","protected":false},"excerpt":{"rendered":"
Paralajm\u00ebrimi i fundit i Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs (BQK) se n\u00eb nj\u00eb t\u00eb ardhme t\u00eb af\u00ebrt do t\u00eb rriten normat e interesit n\u00eb kredi, veqse ka filluar t\u00eb zbatohet n\u00eb Kosov\u00eb. Tashm\u00eb disa banka n\u00eb vend kan\u00eb filluar t\u2019i njoftojn\u00eb klient\u00ebt p\u00ebr ndryshimet n\u00eb normat e interesit, me arsyetimin \u201csi pasoj\u00eb e rritjes s\u00eb norm\u00ebs […]<\/p>\n","protected":false},"author":1,"featured_media":11766,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[23,15],"tags":[1386],"yoast_head":"\n