Banka Qendrore e Kosov\u00ebs (BQK) paralajm\u00ebron se me ngadal\u00ebsimin e shkall\u00ebs s\u00eb inflacionit dhe stabilizimin e \u00e7mimeve, do t\u00eb fillojn\u00eb t\u00eb bien edhe normat e interesit n\u00eb kredi.<\/p>\n
\u201cMe r\u00ebnien e inflacionit, bankat pritet t\u00eb fillojn\u00eb gradualisht t\u2019i leht\u00ebsojn\u00eb politikat monetare \u2013 gj\u00eb q\u00eb do t\u00eb ndikoj\u00eb n\u00eb uljen e normave reale t\u00eb interesit\u201d, thuhet n\u00eb nj\u00eb deklarat\u00eb me shkrim t\u00eb BQK-s\u00eb d\u00ebrguar Radios Evropa e Lir\u00eb.<\/p>\n
BQK-ja, megjithat\u00eb, nuk jep detaje se n\u00eb \u00e7far\u00eb p\u00ebrqindjeje mund t\u00eb bien normat e interesit n\u00eb kredi, t\u00eb cilat kan\u00eb kaluar tashm\u00eb 6-p\u00ebrqind\u00ebshin. Ky institucion nuk specifikon as kur mund t\u00eb bjer\u00eb inflacioni, ndon\u00ebse m\u00eb her\u00ebt \u00ebsht\u00eb p\u00ebrmendur gjysma e dyt\u00eb e vitit 2023.<\/p>\n
Normat e interesit n\u00eb kredi kan\u00eb nisur t\u00eb rriten gjetiu n\u00eb bot\u00eb n\u00eb muajt e fundit t\u00eb vitit t\u00eb kaluar. Kjo ka ndodhur si rezultat i shtr\u00ebngimit t\u00eb politikave monetare nga bankat qendrore, p\u00ebr shkak t\u00eb shkall\u00ebs s\u00eb lart\u00eb t\u00eb inflacionit.<\/p>\n
Kosova e ka p\u00ebrmbyllur vitin 2022 me norm\u00eb mesatare t\u00eb inflacionit gati 12 p\u00ebr qind.
\nNormat mesatare t\u00eb interesit n\u00eb kredi, sipas BQK-s\u00eb, jan\u00eb rritur nga 5.8% sa kan\u00eb qen\u00eb n\u00eb shkurt t\u00eb vitit t\u00eb kaluar, n\u00eb 6.5% n\u00eb periudh\u00ebn e nj\u00ebjt\u00eb t\u00eb k\u00ebtij viti.<\/p>\n
P\u00ebrkund\u00ebr k\u00ebsaj, t\u00eb dh\u00ebnat e k\u00ebtij institucioni konfirmojn\u00eb se n\u00eb sektorin bankar ka rritje t\u00eb kredive familjare.<\/p>\n
N\u00eb Kosov\u00eb veprojn\u00eb aktualisht 12 banka komerciale dhe vlera e kredive n\u00eb to ka arritur n\u00eb mbi 4 miliard\u00eb euro.<\/p>\n
N\u00eb baz\u00eb t\u00eb ligjeve dhe rregulloreve n\u00eb fuqi, bankat komerciale n\u00eb Kosov\u00eb i p\u00ebrcaktojn\u00eb individualisht normat e interesit, bazuar n\u00eb politikat e tyre afariste, dhe BQK-ja nuk mund t\u00eb nd\u00ebrhyj\u00eb te to.<\/p>\n
Inflacioni v\u00ebshtir\u00ebson pages\u00ebn e k\u00ebstit mujor<\/p>\n
Bardhyl Krasniqi, qytetar nga Prishtina, tregon p\u00ebr Radion Evropa e Lir\u00eb se n\u00eb janar t\u00eb vitit t\u00eb kaluar ka marr\u00eb kredi n\u00eb vler\u00eb prej 40 mij\u00eb eurosh p\u00ebr blerjen e nj\u00eb banese.<\/p>\n
P\u00ebr tet\u00eb vjet rresht, ai duhet t\u2019i paguaj\u00eb bank\u00ebs kreditore nj\u00eb k\u00ebst mujor prej m\u00eb shum\u00eb se 500 eurosh, me norm\u00eb interesi rreth 5%.<\/p>\n
\u201cNorma e interesit \u00ebsht\u00eb e lart\u00eb, por k\u00ebto norma jan\u00eb n\u00eb t\u00eb gjitha bankat n\u00eb Kosov\u00eb. P\u00ebr t\u00eb bler\u00eb banes\u00eb apo di\u00e7ka tjet\u00ebr n\u00eb vlera m\u00eb t\u00eb m\u00ebdha, nuk arrin pa kredi. Jemi t\u00eb detyruar ta marrim edhe me k\u00ebto norma t\u00eb interesit\u201d, thot\u00eb Bardhyli, i cili punon n\u00eb nj\u00eb kompani t\u00eb sektorit privat.<\/p>\n
Paga mesatare ne Kosov\u00eb \u00ebsht\u00eb m\u00eb pak se 500 euro, minimalja sillet nga 130 deri n\u00eb 170 euro, nd\u00ebrsa pensionet jan\u00eb nga 100 deri n\u00eb 265 euro.<\/p>\n
Bardhyli thot\u00eb se ka \u201cpag\u00eb t\u00eb mir\u00eb\u201d, gj\u00eb q\u00eb i ka mund\u00ebsuar t\u00eb marr\u00eb edhe kredi. Por, shton ai, rritja e vazhdueshme e inflacionit ia ka v\u00ebshtir\u00ebsuar pages\u00ebn e k\u00ebstit mujor.<\/p>\n
\u201cUn\u00eb kam pag\u00eb mbi mesataren e pagave n\u00eb Kosov\u00eb, bashk\u00ebshortja dhe djali po ashtu punojn\u00eb. Pagesa e k\u00ebstit \u00ebsht\u00eb e menaxhueshme, por jo edhe shum\u00eb e leht\u00eb p\u00ebr ta p\u00ebrballuar, pas ngritjes s\u00eb \u00e7mimeve t\u00eb konsumit. \u00c7mimet jan\u00eb t\u00eb larta \u2013 m\u00eb t\u00eb larta sesa inflacioni q\u00eb po jepet zyrtarisht\u201d, thot\u00eb Bardhyli.<\/p>\n
Rritjes s\u00eb inflacionit gjetk\u00eb n\u00eb bot\u00eb i kan\u00eb kontribuar n\u00eb mas\u00eb t\u00eb madhe pandemia e koronaviursit dhe lufta e Rusis\u00eb n\u00eb Ukrain\u00eb.<\/p>\n
Guvernatori i Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs, Fehmi Mehmeti, ka paralajm\u00ebruar n\u00eb nj\u00eb intervist\u00eb dh\u00ebn\u00eb Radios Evropa e Lir\u00eb n\u00eb muajin janar, se inflacioni do t\u00eb bjer\u00eb n\u00eb pjes\u00ebn e dyt\u00eb t\u00eb k\u00ebtij viti.<\/p>\n
Ngjash\u00ebm presin edhe ekspert\u00ebt e \u00e7\u00ebshtjeve financiare, t\u00eb cil\u00ebt thon\u00eb se me r\u00ebnien e inflacionit, do t\u00eb bien edhe normat e interesit n\u00eb kredi.<\/p>\n
\u201cInteresat e larta e ngadal\u00ebsojn\u00eb marrjen e kredive. Me ngadal\u00ebsimin e kredis\u00eb ngadal\u00ebsohet edhe zhvillimi ekonomik\u201d, thot\u00eb Milazim Abazi, ish-kryesues i Komitetit t\u00eb Financave n\u00eb Oden Ekonomike Amerikane, p\u00ebr Radion Evropa e Lir\u00eb.<\/p>\n
P\u00ebrve\u00e7 bankave komerciale, n\u00eb Kosov\u00eb funksionojn\u00eb edhe 30 institucione mikrofinanciare, t\u00eb cilat po ashtu ofrojn\u00eb kredi p\u00ebr qytetar\u00ebt. Ndon\u00ebse me m\u00eb pak kritere, normat e tyre t\u00eb interesit jan\u00eb m\u00eb t\u00eb larta \u2013 afro 20%.<\/p>\n
T\u00eb dh\u00ebnat e institucioneve financiare n\u00eb rajon, t\u00eb cilat ka arritur t\u2019i siguroj\u00eb Radio Evropa e Lir\u00eb, tregojn\u00eb se normat mesatare t\u00eb interesit n\u00eb kredi variojn\u00eb \u2013 diku m\u00eb t\u00eb larta, diku m\u00eb t\u00eb ul\u00ebta.<\/p>\n
Fondi Monetar Nd\u00ebrkomb\u00ebtar, i cili monitoron sistemin monetar nd\u00ebrkomb\u00ebtar dhe zhvillimet ekonomike globale, ka paralajm\u00ebruar po ashtu r\u00ebnie t\u00eb normave t\u00eb interesit n\u00eb ekonomit\u00eb e m\u00ebdha. N\u00eb nj\u00eb raport t\u00eb publikuar m\u00eb 11 prill thuhet se k\u00ebto norma pritet t\u00eb bien n\u00eb nivelet para pandemis\u00eb s\u00eb koronavirusit, p\u00ebrkat\u00ebsisht para vitit 2020.<\/p>\n","protected":false},"excerpt":{"rendered":"
Banka Qendrore e Kosov\u00ebs (BQK) paralajm\u00ebron se me ngadal\u00ebsimin e shkall\u00ebs s\u00eb inflacionit dhe stabilizimin e \u00e7mimeve, do t\u00eb fillojn\u00eb t\u00eb bien edhe normat e interesit n\u00eb kredi. \u201cMe r\u00ebnien e inflacionit, bankat pritet t\u00eb fillojn\u00eb gradualisht t\u2019i leht\u00ebsojn\u00eb politikat monetare \u2013 gj\u00eb q\u00eb do t\u00eb ndikoj\u00eb n\u00eb uljen e normave reale t\u00eb interesit\u201d, thuhet […]<\/p>\n","protected":false},"author":1,"featured_media":12306,"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":[1146],"tags":[1561],"yoast_head":"\n