Kredit\u00eb e qytetar\u00ebve vazhdojn\u00eb t\u00eb rriten dhe t\u00eb dh\u00ebnat e marsit nga Banka Komb\u00ebtare tregojn\u00eb gjithashtu nj\u00eb rritje t\u00eb bilanceve negative n\u00eb llogarit\u00eb rrjedh\u00ebse. Kjo do t\u00eb thot\u00eb q\u00eb disa familje po mb\u00ebshteten gjithnj\u00eb e m\u00eb shum\u00eb n\u00eb mbit\u00ebrheqjet bankare, produktet e kreditit dhe huamarrjen p\u00ebr t\u00eb mbuluar shpenzimet mujore.<\/p>\n
N\u00eb mars, kredit\u00eb p\u00ebr familjet u rrit\u00ebn me 1.3 p\u00ebr qind n\u00eb krahasim me muajin dhe me 11.5 p\u00ebr qind krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar. Rritja u regjistrua si n\u00eb kredit\u00eb n\u00eb denar\u00eb ashtu edhe n\u00eb kredit\u00eb n\u00eb valut\u00eb t\u00eb huaj, me nj\u00eb kontribut m\u00eb t\u00eb theksuar nga kreditimi n\u00eb denar\u00eb.<\/p>\n
Rritja m\u00eb e madhe u regjistrua n\u00eb kredit\u00eb p\u00ebr strehim, t\u00eb cilat u rrit\u00ebn me 1.5 p\u00ebrqind n\u00eb mars dhe me 15.9 p\u00ebrqind n\u00eb vit. Kredit\u00eb konsumatore, t\u00eb cilat demonstrojn\u00eb m\u00eb drejtp\u00ebrdrejt nevoj\u00ebn e qytetar\u00ebve p\u00ebr para shtes\u00eb p\u00ebr shpenzimet e p\u00ebrditshme, sh\u00ebnuan nj\u00eb rritje mujore prej 1.2 p\u00ebrqind dhe nj\u00eb rritje vjetore prej 10.9 p\u00ebrqind.<\/p>\n
Gjithashtu, pati nj\u00eb rritje t\u00eb kredive t\u00eb miratuara p\u00ebrmes kartave t\u00eb kreditit, t\u00eb cilat ishin m\u00eb t\u00eb larta me 0.4 p\u00ebrqind n\u00eb mars. Edhe pse ato u ul\u00ebn me 3.8 p\u00ebrqind n\u00eb baz\u00eb vjetore, rritja mujore tregon se disa qytetar\u00eb po i drejtohen p\u00ebrs\u00ebri instrumenteve bankare afatshkurtra. Kredit\u00eb p\u00ebr makina mbet\u00ebn t\u00eb pandryshuara krahasuar me shkurtin, por jan\u00eb m\u00eb t\u00eb larta me 4.2 p\u00ebrqind krahasuar me marsin e vitit t\u00eb kaluar.<\/p>\n
Treguesi m\u00eb i ndjesh\u00ebm \u00ebsht\u00eb rritja e bilanceve negative n\u00eb llogarit\u00eb rrjedh\u00ebse. N\u00eb mars, ato u rrit\u00ebn me 4.6 p\u00ebrqind nga muaji n\u00eb muaj dhe me 0.4 p\u00ebrqind nga viti n\u00eb vit. Ky \u00ebsht\u00eb minusi bankar q\u00eb qytetar\u00ebt p\u00ebrdorin kur t\u00eb ardhurat e rregullta nuk jan\u00eb t\u00eb mjaftueshme deri n\u00eb pag\u00ebn ose pensionin e ardhsh\u00ebm.<\/p>\n
Paralelisht me rritjen e huamarrjes, depozitat e familjeve n\u00eb mars u ul\u00ebn me 0.4 p\u00ebr qind n\u00eb krahasim me muajin. R\u00ebnia vjen nga nj\u00eb r\u00ebnie e depozitave pa afat dhe depozitave afatshkurtra n\u00eb denar\u00eb, nd\u00ebrsa komponent\u00ebt e tjer\u00eb sh\u00ebnuan rritje. Kjo tregon se disa qytetar\u00eb po i shpenzojn\u00eb fondet e tyre t\u00eb disponueshme m\u00eb shpejt sesa arrijn\u00eb t\u00eb kursejn\u00eb.<\/p>\n
N\u00eb nivel t\u00eb ekonomis\u00eb, totali i kredive n\u00eb mars u rrit me 1.4 p\u00ebr qind n\u00eb krahasim me muajin dhe me 13.1 p\u00ebr qind n\u00eb krahasim me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Banka Komb\u00ebtare deklaron se rritja \u00ebsht\u00eb rezultat i kreditimit m\u00eb t\u00eb lart\u00eb si p\u00ebr familjet ashtu edhe p\u00ebr sektorin e korporatave, me nj\u00eb kontribut m\u00eb t\u00eb madh nga kredit\u00eb p\u00ebr kompanit\u00eb.<\/p>\n
Nga ana tjet\u00ebr, totali i depozitave ka nj\u00eb rritje mujore prej 1.8 p\u00ebrqind dhe nj\u00eb rritje vjetore prej 11.3 p\u00ebrqind. Por rritja mujore vjen kryesisht nga sektori i korporatave, ku depozitat u rrit\u00ebn me 7.5 p\u00ebrqind. Tek familjet, p\u00ebrkundrazi, marsi sjell nj\u00eb r\u00ebnie mujore.<\/p>\n
K\u00ebto t\u00eb dh\u00ebna tregojn\u00eb ndryshimin midis stabilitetit financiar formal dhe presionit q\u00eb ndiejn\u00eb familjet. Sistemi bankar po sh\u00ebnon rritje t\u00eb kredive dhe depozitave, por nj\u00eb pamje e ndryshme shihet tek qytetar\u00ebt: huamarrje m\u00eb e lart\u00eb, deficite t\u00eb rritura n\u00eb llogari dhe depozita t\u00eb reduktuara gjat\u00eb muajit.<\/p>\n
Rritja e kredis\u00eb nuk \u00ebsht\u00eb domosdoshm\u00ebrisht nj\u00eb sinjal negativ n\u00eb vetvete, ve\u00e7an\u00ebrisht p\u00ebr kredit\u00eb hipotekare, t\u00eb cilat shpesh jan\u00eb investime afatgjata n\u00eb nj\u00eb sht\u00ebpi. Por kur kredia konsumatore dhe bilancet negative rriten n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb me r\u00ebnien e depozitave t\u00eb familjeve, kjo tregon nj\u00eb presion m\u00eb t\u00eb madh mbi buxhetet familjare.<\/p>\n
\/alsatm<\/p>\n
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Kredit\u00eb e qytetar\u00ebve vazhdojn\u00eb t\u00eb rriten dhe t\u00eb dh\u00ebnat e marsit nga Banka Komb\u00ebtare tregojn\u00eb<\/p>\n","protected":false},"author":1,"featured_media":76885,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-129560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme-nga-maqedonia"],"_links":{"self":[{"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/posts\/129560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=129560"}],"version-history":[{"count":0,"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/posts\/129560\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/media\/76885"}],"wp:attachment":[{"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=129560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=129560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=129560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}