{"id":21491,"date":"2023-07-31T13:40:59","date_gmt":"2023-07-31T13:40:59","guid":{"rendered":"https:\/\/permbledhja.com\/?p=21491"},"modified":"2023-07-31T13:40:59","modified_gmt":"2023-07-31T13:40:59","slug":"bqk-njofton-se-nga-1-gushti-hyn-ne-fuqi-rregullorja-e-re-per-banka-sherbimet-bazike-do-te-ofrohen-pa-pagese","status":"publish","type":"post","link":"https:\/\/permbledhja.com\/sq\/bqk-njofton-se-nga-1-gushti-hyn-ne-fuqi-rregullorja-e-re-per-banka-sherbimet-bazike-do-te-ofrohen-pa-pagese\/","title":{"rendered":"BQK njofton se nga 1 gushti hyn n\u00eb fuqi rregullorja e re p\u00ebr banka, sh\u00ebrbimet bazike do t\u00eb ofrohen pa pages\u00eb"},"content":{"rendered":"

Banka Qendrore e Kosov\u00ebs ka njoftuar se nga data 1 gusht do t\u00eb hyj\u00eb n\u00eb fuqi rregullorja e re p\u00ebr banka, ku sh\u00ebrbimet bazike do t\u00eb ofrohen pa pages\u00eb.<\/h3>\n

N\u00eb njoftimin e b\u00ebr\u00eb p\u00ebr media thuhet se, Bordi i Bank\u00ebs Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs m\u00eb 20 dhjetor 2022 ka miratuar Rregulloren p\u00ebr qasjen n\u00eb llogari pagese me sh\u00ebrbime bazike e cila hyn n\u00eb fuqi m\u00eb 1 gusht 2023, me p\u00ebrjashtim t\u00eb nenit 5 paragrafit 4 i cili hyn n\u00eb fuqi m\u00eb 1 janar 2024, transmeton Telegrafi.<\/p>\n

\u201cRregullorja p\u00ebr qasjen n\u00eb llogari pagese me sh\u00ebrbime bazike ka p\u00ebr q\u00ebllim t\u00eb p\u00ebrcaktoj\u00eb kushtet p\u00ebr qasjen e konsumator\u00ebve n\u00eb llogari pagese me sh\u00ebrbime bazike\u201d, thuhet n\u00eb njoftim.<\/p>\n

Q\u00ebllimi i BQK-s\u00eb, \u00ebsht\u00eb q\u00eb p\u00ebrmes k\u00ebsaj Rregulloreje, t\u2019ju mund\u00ebsoj\u00eb t\u00eb gjith\u00eb qytetar\u00ebve t\u00eb marrin p\u00ebrfitimet q\u00eb sjell\u00eb tregu financiar, t\u00eb kontribuoj\u00eb n\u00eb rritjen e p\u00ebrfshirjes financiare, si dhe t\u00eb nxit\u00eb pjes\u00ebmarrjen e t\u00eb gjith\u00eb qytetar\u00ebve n\u00eb sektorin financiar.<\/p>\n

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Si\u00e7 thuhet n\u00eb njoftim, rregullorja \u00ebsht\u00eb hartuar me q\u00ebllim t\u00eb harmonizimit t\u00eb legjislacionit t\u00eb BQK-s\u00eb me direktivat e BE-s\u00eb, n\u00eb k\u00ebt\u00eb rast me Direktiv\u00ebn e BE-s\u00eb 2014\/92\/EU.<\/p>\n

\u201cRregullorja u mund\u00ebson t\u00eb gjith\u00eb qytetar\u00ebve t\u00eb Kosov\u00ebs, pa marr\u00eb parasysh rrethanat financiare t\u00eb tyre, statusin e pun\u00ebsimit apo nivelin e t\u00eb ardhurave, q\u00eb t\u00eb mund t\u00eb ken\u00eb qasje n\u00eb llogari pagese me sh\u00ebrbime bazike.<\/p>\n

Rregullorja p\u00ebr qasjen n\u00eb llogari pagese me sh\u00ebrbime bazike aplikohet p\u00ebr t\u00eb gjitha bankat dhe deg\u00ebt e bankave t\u00eb huaja t\u00eb licencuara nga BQK-ja, q\u00eb veprojn\u00eb n\u00eb Republik\u00ebn e Kosov\u00ebs. T\u00eb gjitha bankat q\u00eb operojn\u00eb n\u00eb Kosov\u00eb do t\u2019ju ofrojn\u00eb qasje n\u00eb llogari pagese me sh\u00ebrbime bazike t\u00eb gjith\u00eb qytetar\u00ebve t\u00eb Kosov\u00ebs\u201d, b\u00ebhet e ditur n\u00eb njoftimin e b\u00ebr\u00eb nga BQK.<\/p>\n

Llogaria e pagesave me sh\u00ebrbime bazike p\u00ebrfshin t\u00eb pakt\u00ebn sh\u00ebrbimet si n\u00eb vijim:<\/strong><\/p>\n

1. sh\u00ebrbimet q\u00eb mund\u00ebsojn\u00eb t\u00eb gjitha operacionet e k\u00ebrkuara p\u00ebr hapjen, operimin dhe mbylljen e nj\u00eb llogarie pagese;
\n2. sh\u00ebrbimet q\u00eb mund\u00ebsojn\u00eb deponimin e fondeve n\u00eb llogari pagese, si\u00e7 \u00ebsht\u00eb p\u00ebrcaktuar n\u00eb shtojc\u00ebn 1 t\u00eb Rregullores p\u00ebr qasjen n\u00eb llogari pagese me sh\u00ebrbime bazike;
\n3. sh\u00ebrbimet q\u00eb lejojn\u00eb t\u00ebrheqjen e parave nga llogaria e pages\u00ebs, si\u00e7 \u00ebsht\u00eb p\u00ebrcaktuar n\u00eb shtojc\u00ebn 1 t\u00eb Rregullores p\u00ebr qasjen n\u00eb llogari pagese me sh\u00ebrbime bazike.
\n4. Ekzekutimin e transaksioneve t\u00eb m\u00ebposhtme t\u00eb pagesave:
\n4.1. debitimin direkt;
\n4.2. transaksionet e pagesave p\u00ebrmes nj\u00eb kartele, p\u00ebrfshir\u00eb pagesat n\u00eb internet;
\n4.3. transferet e kreditit brenda bank\u00ebs, duke p\u00ebrfshir\u00eb urdh\u00ebresat automatike, aty ku \u00ebsht\u00eb e mundur n\u00eb bankomat\u00eb (ATM), dhe n\u00eb sportelet e bank\u00ebs ose p\u00ebrmes platformave online;<\/p>\n

Rregullorja p\u00ebr qasjen n\u00eb llogari pagese me sh\u00ebrbime bazike p\u00ebrcakton:<\/strong><\/p>\n

\u2013 kushtet p\u00ebr t\u2019u qasur n\u00eb llogari pagese me sh\u00ebrbime bazike,
\n\u2013 karakteristikat e llogarive t\u00eb pagesave me sh\u00ebrbime bazike,
\n\u2013 tarifat n\u00eb lidhje me ofrimin e llogaris\u00eb s\u00eb pages\u00ebs me sh\u00ebrbime bazike,
\n\u2013 grupin e konsumator\u00ebve t\u00eb cenuesh\u00ebm e q\u00eb p\u00ebrfitojn\u00eb sh\u00ebrbimet q\u00eb ofron llogaria pagese me sh\u00ebrbime bazike pa pages\u00eb
\n\u2013 obligimin e bankave p\u00ebr informim t\u00eb klient\u00ebve n\u00eb lidhje me ofrimin e llogaris\u00eb s\u00eb pages\u00ebs me sh\u00ebrbime bazike, si dhe
\n\u2013 m\u00ebnyr\u00ebn e konvertimit t\u00eb llogarive aktuale n\u00eb llogari pagese me sh\u00ebrbime bazike.<\/p>\n

BQK thekson tutje se, rregullorja gjithashtu p\u00ebrcakton q\u00eb bankat do t\u00eb ofrojn\u00eb sh\u00ebrbimet e p\u00ebrcaktuara n\u00eb nenin 4, paragrafin 1, t\u00eb k\u00ebsaj Rregulloreje pa pages\u00eb ose me nj\u00eb tarif\u00eb t\u00eb arsyeshme mujore, n\u00ebse ato e parashikojn\u00eb k\u00ebt\u00eb tarif\u00eb n\u00eb politikat e tyre t\u00eb brendshme p\u00ebr p\u00ebrcaktimin e tarifave.<\/p>\n

\u201cVlera e arsyeshme e kompensimit sipas paragrafit 1 t\u00eb k\u00ebtij neni nuk mund t\u00eb jet\u00eb m\u00eb e lart\u00eb se 0,12%, e vler\u00ebs s\u00eb pag\u00ebs mesatare neto mujore n\u00eb Republik\u00ebn e Kosov\u00ebs (apo 0.53 \u20ac), e publikuar m\u00eb s\u00eb fundmi nga Agjencia e Statistikave t\u00eb Kosov\u00ebs. Kjo vler\u00eb do t\u00eb ndryshoj\u00eb, bazuar n\u00eb t\u00eb dh\u00ebnat e fundit vjetore t\u00eb publikuara nga ASK.<\/p>\n

Gjithashtu, bankat ofrojn\u00eb t\u00eb gjitha sh\u00ebrbimet e parashikuara n\u00eb nenin 4, paragrafi 1 t\u00eb k\u00ebsaj Rregulloreje, pa pages\u00eb, p\u00ebr kategorit\u00eb e konsumator\u00ebve q\u00eb i p\u00ebrkasin grupit t\u00eb konsumator\u00ebve t\u00eb cenuesh\u00ebm, q\u00eb p\u00ebrfitojn\u00eb nga t\u00eb drejtat e parashikuara me legjislacionin q\u00eb rregullon pensionet dhe asistenc\u00ebn sociale n\u00eb Republik\u00ebn e Kosov\u00ebs, t\u00eb konfirmuar nga Ministria e Financave, Pun\u00ebs dhe Transfereve (apo ministria pasardh\u00ebse)\u201d, vijon njoftimi.<\/p>\n

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Sipas nenit 5 paragrafi 4, te rregullores, i cili hyn n\u00eb fuqi m\u00eb 1 janar 2024, grup i konsumator\u00ebve t\u00eb cenuesh\u00ebm konsiderohen grupet t\u00eb cil\u00ebt p\u00ebrfitojn\u00eb:<\/p>\n

1. Pensione:
\n\u2022 Pensioni baz\u00eb;
\n\u2022 Pensioni kontribut pagues;
\n\u2022 Pensioni p\u00ebr persona me aft\u00ebsi t\u00eb kufizuar t\u00eb rritur;
\n\u2022 Pensioni p\u00ebr persona me aft\u00ebsi t\u00eb kufizuar paraplegjik dhe tetraplegjik;
\n\u2022 Pensioni p\u00ebr persona me aft\u00ebsi t\u00eb kufizuar \u2013 f\u00ebmij\u00eb; Pensionet e parakohshme t\u00eb kompleksit Trep\u00e7a;
\n\u2022 Pensionet e pjes\u00ebtareve t\u00eb TMK-s\u00eb; Pensioni i forc\u00ebs s\u00eb siguris\u00eb FSK-s\u00eb;
\n\u2022 Kompensimi p\u00ebr t\u00eb verb\u00ebr;
\n\u2022 Pensioni familjar;
\n\u2022 Pensioni i invalid\u00ebve t\u00eb pun\u00ebs;
\n\u2022 Pensioni i familjareve t\u00eb d\u00ebshmor\u00ebve;
\n\u2022 Pensioni i invalid\u00ebve t\u00eb luft\u00ebs;
\n\u2022 Pensioni i viktimave civile;
\n\u2022 Pensioni i invalid\u00ebve civil\u00eb;
\n\u2022 Pensioni i t\u00eb zhdukurve t\u00eb luft\u00ebs;
\n\u2022 Pensioni i veteranit luft\u00ebtar t\u00eb U\u00c7K-s\u00eb;<\/p>\n

2. Ndihma sociale;<\/p>\n

3. Grupet tjera t\u00eb cenueshme q\u00eb mund t\u00eb parashihen me legjislacion n\u00eb Republik\u00ebn e Kosov\u00ebs; t\u00eb konfirmuara nga Ministria e Financave, Pun\u00ebs dhe Transfereve.<\/p>\n

Po ashtu bazuar edhe n\u00eb vendimin e Gjykat\u00ebs Komerciale e cila n\u00eb vendimin e dat\u00ebs 24 korrik 2023, e ka refuzuar si t\u00eb pabazuar k\u00ebrkes\u00ebn e bankave p\u00ebr t\u00eb shtyr\u00eb ekzekutimin e rregullores se re t\u00eb BQK-s\u00eb, e cila bankat i obligon q\u00eb t\u00eb hapin llogari pagese me sh\u00ebrbime bazike p\u00ebr qytetar\u00ebt e Kosov\u00ebs duke filluar nga data 1 gusht 2023.<\/p>\n

Me k\u00ebt\u00eb rast Gjykata Komerciale i ka dh\u00ebn\u00eb t\u00eb drejt\u00eb BQK-s\u00eb p\u00ebr Rregulloren p\u00ebrkat\u00ebse t\u00eb aprovuar m\u00eb par\u00eb e cila me hyrjen n\u00eb fuqi do t\u00eb jet\u00eb n\u00eb funksion t\u00eb rritjes s\u00eb gjithp\u00ebrfshirjes financiare, si dhe n\u00eb dobin\u00eb e p\u00ebrfshirjes s\u00eb vet konsumator\u00ebve n\u00eb k\u00ebto sh\u00ebrbime me kosto m\u00eb t\u00eb ul\u00ebta p\u00ebr gjith\u00eb qytetar\u00ebt e Kosov\u00ebs.<\/p>\n

 <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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Banka Qendrore e Kosov\u00ebs ka njoftuar se nga data 1 gusht do t\u00eb hyj\u00eb n\u00eb fuqi rregullorja e re p\u00ebr banka, ku sh\u00ebrbimet bazike do t\u00eb ofrohen pa pages\u00eb. N\u00eb njoftimin e b\u00ebr\u00eb p\u00ebr media thuhet se, Bordi i Bank\u00ebs Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs m\u00eb 20 dhjetor 2022 ka miratuar Rregulloren p\u00ebr qasjen n\u00eb […]<\/p>\n","protected":false},"author":2,"featured_media":21492,"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":[1561],"yoast_head":"\nBQK njofton se nga 1 gushti hyn n\u00eb fuqi rregullorja e re p\u00ebr banka, sh\u00ebrbimet bazike do t\u00eb ofrohen pa pages\u00eb<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/permbledhja.com\/sq\/bqk-njofton-se-nga-1-gushti-hyn-ne-fuqi-rregullorja-e-re-per-banka-sherbimet-bazike-do-te-ofrohen-pa-pagese\/\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BQK njofton se nga 1 gushti hyn n\u00eb fuqi rregullorja e re p\u00ebr banka, sh\u00ebrbimet bazike do t\u00eb ofrohen pa pages\u00eb\" \/>\n<meta property=\"og:description\" content=\"Banka Qendrore e Kosov\u00ebs ka njoftuar se nga data 1 gusht do t\u00eb hyj\u00eb n\u00eb fuqi rregullorja e re p\u00ebr banka, ku sh\u00ebrbimet bazike do t\u00eb ofrohen pa pages\u00eb. 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