Norma instrumentit kryesor t\u00eb financimit u rrit n\u00eb nivelin m\u00eb t\u00eb lart\u00eb historik prej 4.25% (t\u00eb pakt\u00ebn p\u00ebr periudhat kur \u00ebsht\u00eb aplikuar ankand me norma fikse interesi). Q\u00eb prej korrikut t\u00eb vitit t\u00eb kaluar, ECB-ja po ndjek nj\u00eb kurs agresiv t\u00eb shtr\u00ebngimit monetar, q\u00eb synon t\u00eb ul\u00eb inflacionin pran\u00eb objektiviti prej 2%.<\/p>\n
N\u00eb nj\u00eb vit, norma baz\u00eb \u00ebsht\u00eb rritur nga 0 n\u00eb 4.25%. Efektet e politikave t\u00eb BQE-s\u00eb po ndihen gjithnj\u00eb me t\u00eb forta te huamarr\u00ebsit n\u00eb monedh\u00ebn europiane, n\u00eb Eurozon\u00eb, por edhe jasht\u00eb saj. K\u00ebto masa kan\u00eb nj\u00eb ndikim t\u00eb madh edhe n\u00eb ekonomin\u00eb shqiptare, ku m\u00eb shum\u00eb se gjysma e portofolit t\u00eb kredis\u00eb \u00ebsht\u00eb n\u00eb valut\u00eb t\u00eb huaj dhe kryesisht n\u00eb Euro.<\/p>\n
P\u00ebr huamarr\u00ebsit ekzistues n\u00eb Euro rritja e normave t\u00eb interesit p\u00ebrcillet n\u00ebp\u00ebrmjet treguesit t\u00eb referenc\u00ebs, Euriborit, zakonisht atij me maturim 12-mujor, q\u00eb \u00ebsht\u00eb benchmark n\u00eb kredit\u00eb afatgjata n\u00eb euro. M\u00eb dat\u00eb 26 korrik, Euribori 12-mujor arriti n\u00eb 4.11%, niveli m\u00eb i lart\u00eb q\u00eb prej vitit 2008.<\/p>\n
N\u00eb harkun e 12 muajve t\u00eb fundit, Euribori \u00ebsht\u00eb rritur me m\u00eb shum\u00eb se tre pik\u00eb p\u00ebrqindje. Rritja e Euriborit p\u00ebrcillet n\u00eb rishikimin e interesit t\u00eb kredive me norma interesi t\u00eb ndryshueshme n\u00eb Euro. Zakonisht, interesi rishikohet nj\u00ebher\u00eb n\u00eb vit, por megjithat\u00eb ka raste kur bankat mund t\u00eb parashikojn\u00eb ndryshime me nj\u00eb frekuenc\u00eb m\u00eb t\u00eb shpesht\u00eb, n\u00eb var\u00ebsi t\u00eb parashikimeve t\u00eb kontrat\u00ebs s\u00eb kredis\u00eb.<\/p>\n
P\u00ebr nj\u00eb kredi tipike me nj\u00eb norm\u00eb interesi t\u00eb p\u00ebrb\u00ebr\u00eb nga Euribori 12-mujor + nj\u00eb marzh fiks prej 4%, norma totale e interesit nj\u00eb vit m\u00eb par\u00eb ishte rreth 5%, nd\u00ebrsa sot vler\u00ebsohet n\u00eb m\u00eb shum\u00eb se 8.1%.<\/p>\n
P\u00ebr ata huamarr\u00ebs q\u00eb i kan\u00eb t\u00eb ardhurat n\u00eb Euro, rritja e interesave \u00ebsht\u00eb p\u00ebrkthyer direkt n\u00eb rritje t\u00eb shpenzimeve p\u00ebr k\u00ebstet mujore. Nd\u00ebrkoh\u00eb, huamarr\u00ebsit q\u00eb i kan\u00eb t\u00eb ardhurat n\u00eb Lek\u00eb p\u00ebrgjith\u00ebsisht e kan\u00eb amortizuar efektin e rritjes s\u00eb normave t\u00eb interesit fal\u00eb mbi\u00e7mimit t\u00eb monedh\u00ebs ton\u00eb kundrejt Euros, shkruan Monitor.al.<\/p>\n
Aktualisht, normat e interesit p\u00ebr kredit\u00eb me norma t\u00eb ndryshueshme interesi n\u00eb Euro jan\u00eb edhe m\u00eb t\u00eb larta se ato n\u00eb Lek\u00eb. Treguesi m\u00eb i zakonsh\u00ebm benchmark p\u00ebr Lekun, yield-i i Bonove 12-mujore aktualisht \u00ebsht\u00eb n\u00eb nivelin 3.14% af\u00ebrsisht nj\u00eb pik\u00eb p\u00ebrqindje m\u00eb pak krahasuar me Euriborin 12 mujor.<\/p>\n
P\u00ebr m\u00eb tep\u00ebr, normat fikse t\u00eb interesit mbi treguesin e referenc\u00ebs p\u00ebr Euron n\u00eb p\u00ebrgjith\u00ebsi qen\u00eb m\u00eb t\u00eb larta, t\u00eb pakt\u00ebn p\u00ebr kredit\u00eb e dh\u00ebna deri vitin e kaluar. Kjo ka ndodhur sepse Euribori p\u00ebr vite me radh\u00eb ka qen\u00eb n\u00eb territor negativ (llogaritej 0 p\u00ebr p\u00ebrcaktimin e normave t\u00eb interesit t\u00eb kredive).<\/p>\n
P\u00ebr kredit\u00eb e reja, n\u00eb p\u00ebrgjith\u00ebsi bankat po e balancojn\u00eb efektin e rritjes s\u00eb treguesit benchmark (Euriborit) duke ulur disi marzhet fikse. N\u00eb p\u00ebrgjith\u00ebsi, p\u00ebr kredit\u00eb e reja p\u00ebr blerjen e banesave bankat po vazhdojn\u00eb t\u00eb ofrojn\u00eb interesa ndjesh\u00ebm m\u00eb t\u00eb ul\u00ebta, me norma fikse n\u00eb vitet e para t\u00eb kredis\u00eb, me q\u00ebllim zgjerimin e portofolit.<\/p>\n","protected":false},"excerpt":{"rendered":"
Banka Qendrore Europiane rriti t\u00eb enjten normat e interesit p\u00ebr t\u00eb pest\u00ebn her\u00eb radhazi k\u00ebt\u00eb vit. Norma instrumentit kryesor t\u00eb financimit u rrit n\u00eb nivelin m\u00eb t\u00eb lart\u00eb historik prej 4.25% (t\u00eb pakt\u00ebn p\u00ebr periudhat kur \u00ebsht\u00eb aplikuar ankand me norma fikse interesi). Q\u00eb prej korrikut t\u00eb vitit t\u00eb kaluar, ECB-ja po ndjek nj\u00eb kurs […]<\/p>\n","protected":false},"author":1,"featured_media":10511,"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":[1139],"yoast_head":"\n