{"id":175784,"date":"2023-05-02T16:34:40","date_gmt":"2023-05-02T14:34:40","guid":{"rendered":"https:\/\/atena.sk\/blog\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/"},"modified":"2023-05-03T09:04:22","modified_gmt":"2023-05-03T07:04:22","slug":"zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/","title":{"rendered":"Zbritjet ose mbyllja e pagave: A \u00ebsht\u00eb falimentimi zgjidhja?"},"content":{"rendered":"\n

Thomas Jefferson dikur tha: ” Asnj\u00ebher\u00eb mos shpenzoni para para se t’i keni<\/em> .” Edhe pse kjo \u00ebsht\u00eb nj\u00eb k\u00ebshill\u00eb e mir\u00eb, duhet t\u00eb kujtojm\u00eb se ai lindi n\u00eb shekullin e 18-t\u00eb. shekulli. N\u00eb at\u00eb koh\u00eb, askush nuk kishte nevoj\u00eb p\u00ebr nj\u00eb plan shlyerjeje 30-vje\u00e7are p\u00ebr t\u00eb bler\u00eb nj\u00eb sht\u00ebpi. Nuk kishte makina dhe \u00e7do person q\u00eb kishte nj\u00eb pun\u00eb mund t\u00eb p\u00ebrballonte t\u00eb siguronte gj\u00ebrat e nevojshme. Q\u00eb at\u00ebher\u00eb, ka pasur p\u00ebrparim pothuajse n\u00eb \u00e7do drejtim. Por kur b\u00ebhet fjal\u00eb p\u00ebr financat, jo t\u00eb gjith\u00eb po ecin aq mir\u00eb. Prandaj, shum\u00eb njer\u00ebz duhet t’i drejtohen bankave<\/strong> ose institucioneve t\u00eb tjera financiare p\u00ebr t’i ndihmuar. Pavar\u00ebsisht n\u00ebse \u00ebsht\u00eb nj\u00eb hipotek\u00eb ose jeni thjesht disa muaj prapa n\u00eb faturat tuaja, marrja e nj\u00eb kredie \u00ebsht\u00eb b\u00ebr\u00eb nj\u00eb hap shum\u00eb i zakonsh\u00ebm dhe shpesh i domosdosh\u00ebm. Por problemet fillojn\u00eb sapo nuk mund t\u00eb kryeni<\/strong> pagesat. <\/p>\n\n\n\n

\u00c7far\u00eb ndodh kur nj\u00eb person ndalon s\u00eb paguari hipotek\u00ebn? <\/h2>\n\n

Sapo personi ndalon s\u00eb paguari hipotek\u00ebn ose kredin\u00eb, ata i n\u00ebnshtrohen sekuestrimit. N\u00eb rastin e sekuestrimit, \u00ebsht\u00eb nj\u00eb proces ligjor q\u00eb ndodh kur debitori nuk paguan k\u00ebstet e p\u00ebrcaktuara. Kjo rezulton q\u00eb pasuria e paluajtshme ose asetet e tjera t\u00eb b\u00ebhen pron\u00eb e kreditorit (zakonisht nj\u00eb banke). N\u00eb m\u00ebnyr\u00eb tipike, mbyllja \u00ebsht\u00eb zgjidhja e fundit p\u00ebr huadh\u00ebn\u00ebsit p\u00ebr t\u00eb rikuperuar investimin e tyre pasi nj\u00eb huamarr\u00ebs ka d\u00ebshtuar n\u00eb hipotek\u00ebn p\u00ebr disa muaj. <\/p>\n\n

Si t\u00eb shmangni sekuestrimin?<\/h2>\n\n

T\u00eb mos jesh i hapur me huadh\u00ebn\u00ebsin nuk do t’ju ndihmonte n\u00eb asnj\u00eb m\u00ebnyr\u00eb. Gj\u00ebja e par\u00eb q\u00eb duhet t\u00eb b\u00ebni n\u00ebse keni probleme p\u00ebr t\u00eb paguar hipotek\u00ebn tuaj \u00ebsht\u00eb t\u00eb kontaktoni<\/strong> bank\u00ebn tuaj sa m\u00eb shpejt t\u00eb jet\u00eb e mundur dhe t\u00eb diskutoni situat\u00ebn tuaj me t\u00eb. N\u00eb shum\u00eb raste, punonj\u00ebsit e bank\u00ebs jan\u00eb t\u00eb gatsh\u00ebm t\u00eb punojn\u00eb me ju p\u00ebr t\u00eb rregulluar pagesat e hipotek\u00ebs, p\u00ebr t\u00eb zgjatur maturimin e kredis\u00eb ose p\u00ebr t\u00eb ofruar mund\u00ebsin\u00eb e shtyrjes s\u00eb pagesave. <\/p>\n\n

N\u00ebse nuk mund t\u00eb shlyeni m\u00eb kredit\u00eb tuaja, merrni parasysh opsionet e leht\u00ebsimit t\u00eb borxhit<\/strong> , t\u00eb tilla si konsolidimi i borxhit ose menaxhimi i borxhit. K\u00ebto opsione do t’ju ndihmojn\u00eb t\u00eb shlyeni borxhet tuaja n\u00eb nj\u00eb pages\u00eb t\u00eb menaxhueshme, t\u00eb ulni normat e interesit dhe t’ju ndihmojn\u00eb t\u00eb shmangni bllokimin. <\/p>\n\n

Bashk\u00ebpunimi me nj\u00eb k\u00ebshilltar t\u00eb kualifikuar<\/strong> n\u00eb lidhje me parandalimin e bllokimit mund t\u00eb jet\u00eb gjithashtu shum\u00eb i dobish\u00ebm. Ai mund t’ju ndihmoj\u00eb t\u00eb negocioni me kreditor\u00ebt dhe t\u00eb eksploroni t\u00eb gjitha opsionet e disponueshme. Ekzistojn\u00eb nj\u00eb s\u00ebr\u00eb sh\u00ebrbimesh falas p\u00ebr parandalimin e bllokimit n\u00eb t\u00eb gjith\u00eb BE-n\u00eb. Ose ata k\u00ebrkojn\u00eb vet\u00ebm tarifa minimale. Sa m\u00eb shpejt t\u00eb nd\u00ebrmerrni hapat e p\u00ebrcaktuar, aq m\u00eb mir\u00eb. <\/p>\n\n

Cilat jan\u00eb pasojat e d\u00ebshtimit t\u00eb nj\u00eb kredie personale?<\/h2>\n\n

Kredit\u00eb personale jan\u00eb nj\u00eb lloj tjet\u00ebr borxhi q\u00eb mund t\u00eb jet\u00eb nj\u00eb burim stresi financiar. Ky \u00ebsht\u00eb nj\u00eb operacion ku kreditori (institucioni financiar) i jep huamarr\u00ebsit nj\u00eb shum\u00eb parash, t\u00eb cil\u00ebn ai duhet t’i kthej\u00eb me interes. Megjithat\u00eb, ai nuk duhet t\u00eb garantoj\u00eb asgj\u00eb p\u00ebr t\u00eb, prandaj \u00ebsht\u00eb m\u00eb e p\u00ebrballueshme. Edhe pse huat\u00eb personale nuk mund t\u00eb rezultojn\u00eb n\u00eb konfiskimin ose sekuestrimin e pron\u00ebs, mosp\u00ebrmbushja e tyre rezulton n\u00eb pasoja t\u00eb r\u00ebnda financiare, t\u00eb tilla si sigurimi i pagave<\/strong> , procedurat ligjore dhe, s\u00eb fundi, por jo m\u00eb pak e r\u00ebnd\u00ebsishme, d\u00ebmtimi i reputacionit. <\/p>\n\n

Si t\u00eb shmangim diskreditimin dhe ngrirjen e pagave?<\/h2>\n\n

Kur b\u00ebhet fjal\u00eb p\u00ebr kredit\u00eb personale, m\u00ebnyra m\u00eb e mir\u00eb p\u00ebr t\u00eb shmangur ngecjen \u00ebsht\u00eb t\u00eb konsideroni me kujdes aft\u00ebsin\u00eb tuaj p\u00ebr t’i shlyer<\/strong> ato p\u00ebrpara se t\u00eb aplikoni. Kjo do t\u00eb thot\u00eb q\u00eb s\u00eb pari duhet t\u00eb vler\u00ebsoni situat\u00ebn tuaj aktuale financiare, t\u00eb krijoni nj\u00eb buxhet dhe t\u00eb p\u00ebrcaktoni n\u00ebse mund t\u00eb p\u00ebrballoni t\u00eb paguani nj\u00eb kredi \u00e7do muaj. <\/p>\n\n

N\u00ebse jeni prapa n\u00eb pagesat e kredis\u00eb, kontaktoni huadh\u00ebn\u00ebsin tuaj sa m\u00eb shpejt t\u00eb jet\u00eb e mundur dhe diskutoni situat\u00ebn tuaj me t\u00eb. Huadh\u00ebn\u00ebsit mund t\u00eb jen\u00eb t\u00eb gatsh\u00ebm t\u00eb punojn\u00eb me ju p\u00ebr t\u00eb modifikuar kushtet e huas\u00eb, p\u00ebr t\u00eb zgjatur maturimin e saj ose p\u00ebr t\u00eb ofruar opsionin e shtyrjes s\u00eb shlyerjes. \u00cbsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb komunikoni me huadh\u00ebn\u00ebsin tuaj dhe t’i informoni ata p\u00ebr situat\u00ebn tuaj p\u00ebr t\u00eb shmangur d\u00ebshtimin e kredis\u00eb tuaj. <\/p>\n\n

N\u00ebse jeni duke luftuar me hua t\u00eb shumta ose forma t\u00eb tjera borxhi, merrni parasysh opsionet e leht\u00ebsimit t\u00eb borxhit<\/strong> si konsolidimi i borxhit ose menaxhimi i borxhit. K\u00ebto opsione mund t’ju ndihmojn\u00eb t\u00eb konsolidoni borxhet tuaja n\u00eb nj\u00eb pages\u00eb t\u00eb menaxhueshme, t\u00eb zvog\u00ebloni normat e interesit dhe t\u00eb shmangni d\u00ebshtimin e kredis\u00eb tuaj.<\/p>\n\n

Njihni t\u00eb drejtat tuaja<\/h2>\n\n

N\u00ebse merrni nj\u00eb njoftim nga nj\u00eb kompani grumbullimi ose firm\u00eb mbledhjeje borxhi n\u00eb lidhje me kredit\u00eb tuaja personale, p\u00ebrgjigjuni menj\u00ebher\u00eb dhe verifikoni borxhin. Agjencit\u00eb e mbledhjes s\u00eb borxhit duhet t\u00eb ofrojn\u00eb prova t\u00eb borxhit q\u00eb po mbledhin dhe \u00ebsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb kontrolloni n\u00ebse borxhi \u00ebsht\u00eb me t\u00eb v\u00ebrtet\u00eb i juaji dhe se kompania e mbledhjes ka t\u00eb drejt\u00eb ta mbledh\u00eb at\u00eb. P\u00ebrve\u00e7 k\u00ebsaj, jini t\u00eb vet\u00ebdijsh\u00ebm p\u00ebr t\u00eb drejtat tuaja sipas rregulloreve t\u00eb Bashkimit Evropian p\u00ebr mbledhjen e borxheve dhe, n\u00ebse \u00ebsht\u00eb e nevojshme, k\u00ebrkoni ndihm\u00eb ligjore p\u00ebr t\u00eb mbrojtur t\u00eb drejtat tuaja dhe p\u00ebr t\u00eb shmangur praktikat e padrejta t\u00eb mbledhjes s\u00eb borxheve. <\/p>\n\n

Falimentimi personal <\/h2>\n\n

Falimentimi personal \u00ebsht\u00eb nj\u00eb proces ligjor q\u00eb lejon individ\u00ebt t\u00eb dalin nga borxhi dhe t\u00eb fillojn\u00eb nga e para. Mund t\u00eb duket josh\u00ebse p\u00ebr t\u00eb paraqitur p\u00ebr falimentim. Megjithat\u00eb, \u00ebsht\u00eb nj\u00eb mas\u00eb drastike<\/strong> q\u00eb duhet t\u00eb merret parasysh dhe t\u00eb zbatohet vet\u00ebm pasi t\u00eb jen\u00eb ezauruar t\u00eb gjitha opsionet e tjera p\u00ebr t\u00eb dal\u00eb nga borxhi<\/strong> . Shpallja e falimentimit personal nuk \u00ebsht\u00eb vet\u00ebm e v\u00ebshtir\u00eb dhe k\u00ebrkon koh\u00eb. Nd\u00ebrmarrja e k\u00ebtij hapi do t\u00eb rezultoj\u00eb gjithashtu n\u00eb uljen e kredis\u00eb tuaj, do t\u00eb vendoset p\u00ebrgjithmon\u00eb n\u00eb rekordin tuaj dhe m\u00eb e r\u00ebnd\u00ebsishmja, ju mund t\u00eb detyroheni t\u00eb hiqni dor\u00eb nga nj\u00eb pjes\u00eb ose e gjith\u00eb pasuria juaj. Mund t\u00eb jet\u00eb \u00e7do pron\u00eb personale<\/strong> , investime<\/strong> dhe madje edhe sht\u00ebpia<\/strong> juaj. <\/p>\n\n

\"\"<\/a><\/figure>\n\n

Un\u00eb punoj n\u00eb Athin\u00eb<\/mark><\/a> . A mund t\u00eb m\u00eb ndihmoni t\u00eb shmang mbajtjen n\u00eb burim?<\/h2>\n\n

N\u00eb Atena,<\/mark><\/a> ne besojm\u00eb n\u00eb \u00e7ilt\u00ebrsi dhe jemi t\u00eb lumtur t\u00eb diskutojm\u00eb t\u00eb gjitha opsionet me ju. Pavar\u00ebsisht se cili \u00ebsht\u00eb problemi, ne do t\u00eb b\u00ebjm\u00eb \u00e7mos p\u00ebr t’ju ndihmuar ta zgjidhni at\u00eb. Natyrisht, ne nuk mund t\u00eb ndryshojm\u00eb vendimin e gjykat\u00ebs ose t\u00eb eliminojm\u00eb borxhet tuaja. Por me shum\u00eb mund\u00ebsi mund t\u00eb gjejm\u00eb nj\u00eb zgjidhje ideale dhe t\u00eb p\u00ebrshtatshme<\/strong> p\u00ebr ju bazuar n\u00eb situat\u00ebn specifike n\u00eb t\u00eb cil\u00ebn ndodheni. P\u00ebr <\/strong>15<\/strong> vite q\u00eb operojm\u00eb<\/mark><\/a> n\u00eb treg, kemi hasur n\u00eb shum\u00eb pengesa. Ka shum\u00eb pak gjasa q\u00eb ne t\u00eb p\u00ebrballemi ndonj\u00ebher\u00eb me nj\u00eb situat\u00eb t\u00eb ngjashme me tuaj\u00ebn.<\/p>\n","protected":false},"excerpt":{"rendered":"

Lexoni p\u00ebr pasojat e mospagimit t\u00eb nj\u00eb hipotek\u00eb ose kredie, duke p\u00ebrfshir\u00eb edhe marrjen e borxhit. Zbuloni strategji p\u00ebr t\u00eb shmangur k\u00ebto situata. Njihni t\u00eb drejtat tuaja dhe merrni k\u00ebshilla se si t\u00eb p\u00ebrballeni me problemet financiare dhe t\u00eb mbroni pasurit\u00eb tuaja.<\/p>\n","protected":false},"author":20,"featured_media":175636,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[387,439],"tags":[],"acf":{"facebookpost":"Sapo arrit\u00ebm t\u00eb stabilizoheshim financiarisht pas pandemis\u00eb Covid-19, \u00e7mimet e pothuajse gjith\u00e7kaje filluan t\u00eb rriten. ? \u00c7far\u00eb mund\u00ebsish kemi n\u00ebse, p\u00ebr shkak t\u00eb k\u00ebsaj situate, nuk mund t\u00eb p\u00ebrballojm\u00eb m\u00eb t\u00eb shlyejm\u00eb kredin\u00eb apo hipotek\u00ebn? A \u00ebsht\u00eb falimentimi zgjidhja apo vendimi m\u00eb i keq i mundsh\u00ebm? ","popis_socialneho_obrazku":"Si t\u00eb shmangni sekuestrimin?"},"yoast_head":"\nZbritjet ose mbyllja e pagave: A \u00ebsht\u00eb falimentimi zgjidhja? - Blogu Atena<\/title>\n<meta name=\"description\" content=\"Sekuestrimi dhe garnitura jan\u00eb pasoja t\u00eb mospagimit t\u00eb borxheve. Megjithat\u00eb, nuk \u00ebsht\u00eb fundi i bot\u00ebs dhe k\u00ebto probleme mund t\u00eb zgjidhen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zbritjet ose mbyllja e pagave: A \u00ebsht\u00eb falimentimi zgjidhja? - Blogu Atena\" \/>\n<meta property=\"og:description\" content=\"Jetojm\u00eb n\u00eb nj\u00eb epok\u00eb ku \u00ebsht\u00eb e v\u00ebshtir\u00eb p\u00ebr nj\u00eb person t\u00eb shmang\u00eb nj\u00eb hipotek\u00eb ose kredi personale p\u00ebr nj\u00eb arsye ose nj\u00eb tjet\u00ebr. Dhe n\u00eb rast se nj\u00eb p\u00ebrjashtim ose nj\u00eb garnitur\u00eb e pag\u00ebs vjen duke trokitur n\u00eb der\u00eb, \u00ebsht\u00eb m\u00eb mir\u00eb t\u00eb veproni p\u00ebrpara se t\u00eb ndodh\u00eb. Huadh\u00ebn\u00ebsit zakonisht mund t\u00eb jen\u00eb fleksib\u00ebl dhe t\u00eb gjejn\u00eb nj\u00eb zgjidhje. Por edhe n\u00ebse nuk mund t\u00eb ndihmoj\u00eb, gjithmon\u00eb mund t\u00eb deklarohet falimentimi personal.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogu Atena\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-02T14:34:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-03T07:04:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/05\/AdobeStock_373163297-1024x576.jpg\" \/>\n<meta name=\"author\" content=\"Marin Nedelev\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marin Nedelev\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/\"},\"author\":{\"name\":\"Marin Nedelev\",\"@id\":\"https:\/\/atena.sk\/blog\/sq\/#\/schema\/person\/0ae6c6390563d6555f91b0db4767e168\"},\"headline\":\"Zbritjet ose mbyllja e pagave: A \u00ebsht\u00eb falimentimi zgjidhja?\",\"datePublished\":\"2023-05-02T14:34:40+00:00\",\"dateModified\":\"2023-05-03T07:04:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/\"},\"wordCount\":1234,\"publisher\":{\"@id\":\"https:\/\/atena.sk\/blog\/sq\/#organization\"},\"image\":{\"@id\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/05\/AdobeStock_373163297-scaled.jpg\",\"articleSection\":[\"K\u00ebshilla juridike\",\"Klient\u00ebt\"],\"inLanguage\":\"sq\"},{\"@type\":[\"WebPage\",\"ItemPage\"],\"@id\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/\",\"url\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/\",\"name\":\"Zbritjet ose mbyllja e pagave: A \u00ebsht\u00eb falimentimi zgjidhja? - Blogu Atena\",\"isPartOf\":{\"@id\":\"https:\/\/atena.sk\/blog\/sq\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/atena.sk\/blog\/sq\/zbritjet-ose-mbyllja-e-pagave-a-eshte-falimentimi-zgjidhja\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/05\/AdobeStock_373163297-scaled.jpg\",\"datePublished\":\"2023-05-02T14:34:40+00:00\",\"dateModified\":\"2023-05-03T07:04:22+00:00\",\"description\":\"Sekuestrimi dhe garnitura jan\u00eb pasoja t\u00eb mospagimit t\u00eb borxheve. 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