{"id":33398,"date":"2026-09-20T18:51:52","date_gmt":"2026-09-20T16:51:52","guid":{"rendered":"https:\/\/tempull.com\/?p=33398"},"modified":"2026-09-20T18:51:52","modified_gmt":"2026-09-20T16:51:52","slug":"cmimet-e-banesave-ne-rritje-rrezikojne-stabilitetin-financiar","status":"publish","type":"post","link":"https:\/\/tempull.com\/index.php\/2026\/09\/20\/cmimet-e-banesave-ne-rritje-rrezikojne-stabilitetin-financiar\/","title":{"rendered":"Moody\u2019s paralajm\u00ebron Shqip\u00ebrin\u00eb: \u00c7mimet e banesave n\u00eb rritje rrezikojn\u00eb stabilitetin financiar"},"content":{"rendered":"

Rritja e shpejt\u00eb e \u00e7mimeve t\u00eb banesave dhe ekspozimi i sektorit bankar ndaj tregut t\u00eb pasurive t\u00eb paluajtshme po shnd\u00ebrrohen n\u00eb nj\u00eb nga rreziqet q\u00eb mund ta ekspozojn\u00eb ekonomin\u00eb shqiptare ndaj goditjeve t\u00eb papritura.<\/p>\n

Paralajm\u00ebrimi vjen nga agjencia nd\u00ebrkomb\u00ebtare e vler\u00ebsimit Moody\u2019s, e cila, ndon\u00ebse p\u00ebrmir\u00ebsoi perspektiv\u00ebn e Shqip\u00ebris\u00eb nga \u201ce q\u00ebndrueshme\u201d n\u00eb \u201cpozitive\u201d, evidenton tregun e pasurive t\u00eb paluajtshme mes dob\u00ebsive q\u00eb mund t\u00eb cenojn\u00eb stabilitetin financiar n\u00eb rast t\u00eb nj\u00eb korrigjimi t\u00eb fort\u00eb.<\/p>\n

\u201cNevojat relativisht t\u00eb larta p\u00ebr huamarrje bruto dhe rreziqet e sektorit bankar t\u00eb lidhura me rritjen e shpejt\u00eb t\u00eb \u00e7mimeve t\u00eb banesave e ekspozojn\u00eb Shqip\u00ebrin\u00eb ndaj goditjeve t\u00eb mundshme t\u00eb papritura\u201d, vler\u00ebson Moody\u2019s.<\/p>\n

Moody\u2019s e lidh rrezikun jo vet\u00ebm me \u00e7mimet e pronave, por me nd\u00ebrthurjen e tyre me sektorin financiar. N\u00ebse \u00e7mimet do t\u00eb p\u00ebsonin nj\u00eb korrigjim t\u00eb fort\u00eb, r\u00ebnia e vler\u00ebs s\u00eb kolateralit mund t\u00eb reflektohej n\u00eb cil\u00ebsin\u00eb e portofolit t\u00eb bankave dhe n\u00eb kushtet e kreditimit.<\/p>\n

R\u00ebnd\u00ebsia e k\u00ebtij rreziku b\u00ebhet m\u00eb e qart\u00eb edhe te skenar\u00ebt q\u00eb Moody\u2019s p\u00ebrcakton p\u00ebr ecurin\u00eb e m\u00ebtejshme t\u00eb vler\u00ebsimit t\u00eb Shqip\u00ebris\u00eb. \u201cFaktor\u00ebt q\u00eb mund t\u00eb \u00e7ojn\u00eb n\u00eb uljen e vler\u00ebsimit ose n\u00eb rikthimin e perspektiv\u00ebs n\u00eb t\u00eb q\u00ebndrueshme jan\u00eb: Perspektiva mund t\u00eb rikthehet n\u00eb t\u00eb q\u00ebndrueshme n\u00ebse rritja ekonomike ngadal\u00ebsohet ndjesh\u00ebm, deficitet fiskale zgjerohen n\u00eb m\u00ebnyr\u00eb t\u00eb konsiderueshme, ose n\u00ebse rriten dob\u00ebsit\u00eb e sektorit financiar, ve\u00e7an\u00ebrisht ato q\u00eb burojn\u00eb nga tregu i pasurive t\u00eb paluajtshme apo nga goditje t\u00eb jashtme t\u00eb papritura\u201d, thuhet n\u00eb raport.<\/p>\n

Vler\u00ebsimi \u00ebsht\u00eb ve\u00e7an\u00ebrisht i r\u00ebnd\u00ebsish\u00ebm n\u00eb kushtet kur tregu shqiptar i pasurive t\u00eb paluajtshme ka kaluar nj\u00eb cik\u00ebl t\u00eb gjat\u00eb rritjeje t\u00eb \u00e7mimeve, i shoq\u00ebruar edhe me zgjerimin e kreditimit p\u00ebr blerjen e banesave.<\/p>\n

Rritja e ekspozimit t\u00eb bankave ndaj tregut t\u00eb pronave \u00ebsht\u00eb b\u00ebr\u00eb gjithnj\u00eb e m\u00eb e dukshme. Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb vitit 2025 huaja p\u00ebr blerje banesash nga individ\u00ebt zinte 26.8% t\u00eb portofolit t\u00eb kredis\u00eb, nd\u00ebrsa huaja p\u00ebr pasuri t\u00eb paluajtshme e bizneseve 24.3%; s\u00eb bashku, rreth 52% t\u00eb stokut total t\u00eb kredis\u00eb s\u00eb sistemit bankar, me nj\u00eb vler\u00eb rreth 470 miliard\u00eb lek\u00eb, ose 4.7 miliard\u00eb euro. Deri n\u00eb fund t\u00eb majit 2026, ekspozimi ishte rritur m\u00eb tej n\u00eb 477 miliard\u00eb lek\u00eb, mbi 5 miliard\u00eb euro, me nj\u00eb zgjerim prej 12.5% n\u00eb nj\u00eb vit dhe m\u00eb shum\u00eb se dyfishim krahasuar me fillimin e vitit 2020.<\/p>\n

Pik\u00ebrisht n\u00eb p\u00ebrgjigje t\u00eb zhvillimeve n\u00eb tregun e pronave, Banka e Shqip\u00ebris\u00eb ka vendosur kufizime makroprudenciale p\u00ebr kredit\u00eb e reja p\u00ebr pasuri t\u00eb paluajtshme, bazuar n\u00eb raportin mes kredis\u00eb dhe vler\u00ebs s\u00eb pron\u00ebs dhe raportin mes k\u00ebstit dhe t\u00eb ardhurave t\u00eb huamarr\u00ebsit.<\/p>\n

Edhe Fondi Monetar Nd\u00ebrkomb\u00ebtar ka evidentuar m\u00eb her\u00ebt t\u00eb nj\u00ebjt\u00ebn dob\u00ebsi. Sipas FMN-s\u00eb, q\u00eb nga viti 2019 aktiviteti i nd\u00ebrtimit dhe \u00e7mimet e pasurive t\u00eb paluajtshme jan\u00eb rritur ndjesh\u00ebm, nd\u00ebrsa ekspozimi i bankave ndaj sektorit \u00ebsht\u00eb zgjeruar. N\u00eb tremujorin e tret\u00eb 2025, kredit\u00eb e lidhura me pasurit\u00eb e paluajtshme p\u00ebrb\u00ebnin rreth 20% t\u00eb aktiveve totale t\u00eb sistemit bankar. FMN e klasifikonte nj\u00eb r\u00ebnie t\u00eb fort\u00eb dhe t\u00eb papritur t\u00eb \u00e7mimeve t\u00eb pronave si nj\u00eb rrezik me ndikim potencial t\u00eb lart\u00eb mbi ekonomin\u00eb.<\/p>\n

Paralajm\u00ebrimi p\u00ebr pasurit\u00eb e paluajtshme vjen n\u00eb t\u00eb nj\u00ebjtin raport ku Moody\u2019s dha nj\u00eb sinjal pozitiv p\u00ebr profilin e p\u00ebrgjithsh\u00ebm t\u00eb vendit. N\u00eb vler\u00ebsimin e publikuar m\u00eb 18 shtator, agjencia p\u00ebrmir\u00ebsoi perspektiv\u00ebn e Shqip\u00ebris\u00eb nga \u201ce q\u00ebndrueshme\u201d n\u00eb \u201cpozitive\u201d dhe konfirmoi vler\u00ebsimin sovran n\u00eb \u201cBa3\u201d.<\/p>\n

P\u00ebrmir\u00ebsimi u mb\u00ebshtet n\u00eb forcimin e pozicionit fiskal dhe t\u00eb jasht\u00ebm dhe n\u00eb p\u00ebrshpejtimin e reformave n\u00eb kuad\u00ebr t\u00eb procesit t\u00eb an\u00ebtar\u00ebsimit n\u00eb BE. Moody\u2019s pret q\u00eb borxhi publik t\u00eb ulet nga 52.9% e PBB-s\u00eb n\u00eb fund t\u00eb 2025 n\u00eb 50.2% n\u00eb 2027, nd\u00ebrsa deficiti i llogaris\u00eb korrente, q\u00eb ra n\u00eb minimumin historik prej 0.7% t\u00eb PBB-s\u00eb n\u00eb 2025, pritet t\u00eb mbetet pran\u00eb 1% n\u00eb vitet 2026\u20132027.<\/p>\n

Agjencia parashikon gjithashtu rritje ekonomike prej 3.6% n\u00eb 2026 dhe 3.5% n\u00eb 2027, por n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb evidenton se nevojat relativisht t\u00eb larta p\u00ebr huamarrje dhe rreziqet q\u00eb lidhen me rritjen e shpejt\u00eb t\u00eb \u00e7mimeve t\u00eb banesave mbeten pika dob\u00ebsie p\u00ebr ekonomin\u00eb shqiptare.\/ Monitor<\/p>\n

lexo edhe:<\/p>\n

Vrasja e 20-vje\u00e7arit n\u00eb Kor\u00e7\u00eb, detaje t\u00eb reja: Autori e ndoqi deri n\u00eb pallat, policia blindon akset<\/a><\/p>\n

Hapet &#8220;kutia e Pandor\u00ebs&#8221; n\u00eb Bashkin\u00eb Tiran\u00eb\/ Zbulohen abuzimet nga drejtor\u00ebt me pallate q\u00eb s\u2019ekzistonin!<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Rritja e shpejt\u00eb e \u00e7mimeve t\u00eb banesave dhe ekspozimi i sektorit bankar ndaj tregut t\u00eb pasurive t\u00eb paluajtshme po shnd\u00ebrrohen n\u00eb nj\u00eb nga rreziqet q\u00eb mund ta ekspozojn\u00eb ekonomin\u00eb shqiptare ndaj goditjeve t\u00eb papritura. Paralajm\u00ebrimi vjen nga agjencia nd\u00ebrkomb\u00ebtare e vler\u00ebsimit Moody\u2019s, e cila, ndon\u00ebse p\u00ebrmir\u00ebsoi perspektiv\u00ebn e Shqip\u00ebris\u00eb nga \u201ce q\u00ebndrueshme\u201d n\u00eb \u201cpozitive\u201d, evidenton […]<\/p>\n","protected":false},"author":1,"featured_media":26669,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[25,27,32],"tags":[67,65,64,63,66],"class_list":["post-33398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualitet","category-ekonomi","category-kryesor","tag-banesa","tag-cmime","tag-ndertime","tag-pallate","tag-tirane"],"yoast_head":"\nMoody\u2019s paralajm\u00ebron Shqip\u00ebrin\u00eb: \u00c7mimet e banesave n\u00eb rritje rrezikojn\u00eb stabilitetin financiar - TEMPULL<\/title>\n<meta name=\"description\" content=\"Rritja e shpejt\u00eb e \u00e7mimeve t\u00eb banesave dhe ekspozimi i sektorit bankar ndaj tregut t\u00eb pasurive t\u00eb paluajtshme\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tempull.com\/index.php\/2026\/09\/20\/cmimet-e-banesave-ne-rritje-rrezikojne-stabilitetin-financiar\/\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moody\u2019s paralajm\u00ebron Shqip\u00ebrin\u00eb: \u00c7mimet e banesave n\u00eb rritje rrezikojn\u00eb stabilitetin financiar - 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