{"id":201539,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/rritja-e-normave-te-interesit-ne-be-cfare-mund-te-bejme-per-te-ruajtur-stilin-tone-te-jeteses\/"},"modified":"2023-07-06T20:41:20","modified_gmt":"2023-07-06T18:41:20","slug":"rritja-e-normave-te-interesit-ne-be-cfare-mund-te-bejme-per-te-ruajtur-stilin-tone-te-jeteses","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/sq\/rritja-e-normave-te-interesit-ne-be-cfare-mund-te-bejme-per-te-ruajtur-stilin-tone-te-jeteses\/","title":{"rendered":"Rritja e normave t\u00eb interesit n\u00eb BE – \u00e7far\u00eb mund t\u00eb b\u00ebjm\u00eb p\u00ebr t\u00eb ruajtur stilin ton\u00eb t\u00eb jetes\u00ebs?"},"content":{"rendered":"\n

Normat e interesit mund t\u00eb ndikojn\u00eb shum\u00eb n\u00eb jet\u00ebn ton\u00eb. Koh\u00ebt e fundit, normat e interesit jan\u00eb rritur n\u00eb Bashkimin Evropian (BE), gj\u00eb q\u00eb ka nj\u00eb ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm tek njer\u00ebzit e ngarkuar me borxhe.<\/p>\n\n

Nd\u00ebrsa normat e interesit rriten, individ\u00ebt me borxhe p\u00ebrballen me sfid\u00ebn e rritjes s\u00eb kostove t\u00eb sh\u00ebrbimit t\u00eb borxhit. Megjithat\u00eb, lind nj\u00eb problem i r\u00ebnd\u00ebsish\u00ebm pasi pagat dhe m\u00ebditjet nuk rriten me t\u00eb nj\u00ebjtin rit\u00ebm. Kjo pabarazi do t\u00eb thot\u00eb se barra e borxhit b\u00ebhet relativisht m\u00eb e r\u00ebnd\u00eb, duke ulur fuqin\u00eb bler\u00ebse t\u00eb klas\u00ebs s\u00eb mesme ekonomike. Meqen\u00ebse nj\u00eb pjes\u00eb m\u00eb e madhe e t\u00eb ardhurave \u00ebsht\u00eb menduar p\u00ebr shlyerjen e borxhit, individ\u00ebt kan\u00eb m\u00eb pak para n\u00eb dispozicion p\u00ebr shpenzimet ose kursimet e p\u00ebrditshme. Kjo \u00e7on n\u00eb nj\u00eb standard m\u00eb t\u00eb ul\u00ebt jetese.<\/p>\n\n\n\n

Cila \u00ebsht\u00eb pasoja e menj\u00ebhershme e rritjes s\u00eb normave t\u00eb interesit?<\/h2>\n\n

Nd\u00ebrsa normat e interesit rriten, huamarr\u00ebsit e kan\u00eb shum\u00eb m\u00eb t\u00eb v\u00ebshtir\u00eb t\u00eb b\u00ebjn\u00eb pagesa mujore, t\u00eb cilat mund t\u00eb \u00e7ojn\u00eb n\u00eb mospagim, pagesa t\u00eb vonuara ose mospagim. Kjo situat\u00eb mund t\u00eb ket\u00eb pasoja serioze, duke p\u00ebrfshir\u00eb nj\u00eb rezultat krediti t\u00eb d\u00ebmtuar dhe grumbullimin e gjobave dhe tarifave. Spiralja n\u00eb r\u00ebnie q\u00eb rezulton mund t\u00eb rezultoj\u00eb n\u00eb nj\u00eb rreth vicioz problemesh financiare dhe t\u00eb kufizoj\u00eb mund\u00ebsit\u00eb p\u00ebr l\u00ebvizshm\u00ebri ekonomike.<\/p>\n\n

Pabarazia e t\u00eb ardhurave<\/h2>\n\n

Rritja e normave t\u00eb interesit mund t\u00eb p\u00ebrkeq\u00ebsoj\u00eb pabarazin\u00eb e t\u00eb ardhurave n\u00eb shoq\u00ebri. Njer\u00ebzit me t\u00eb ardhura m\u00eb t\u00eb larta jan\u00eb m\u00eb t\u00eb aft\u00eb t\u00eb p\u00ebrballojn\u00eb ndikimin e rritjes s\u00eb kostove t\u00eb sh\u00ebrbimit t\u00eb borxhit, nd\u00ebrsa ata me t\u00eb ardhura m\u00eb t\u00eb ul\u00ebta p\u00ebrballen me probleme m\u00eb t\u00eb r\u00ebnd\u00ebsishme. Kjo pabarazi kontribuon n\u00eb zgjerimin e boshll\u00ebqeve t\u00eb pasuris\u00eb dhe mund t\u00eb \u00e7oj\u00eb n\u00eb rritjen e dallimeve klasore. N\u00eb ve\u00e7anti, klasa e mesme \u00ebsht\u00eb e kapur shpesh mes rritjes s\u00eb normave t\u00eb interesit dhe rritjes s\u00eb kufizuar t\u00eb t\u00eb ardhurave dhe p\u00ebrballet me rrezikun e r\u00ebnies n\u00eb nj\u00eb shtres\u00eb m\u00eb t\u00eb ul\u00ebt socio-ekonomike.<\/p>\n\n

Nj\u00eb kombinim i fuqis\u00eb bler\u00ebse t\u00eb reduktuar, v\u00ebshtir\u00ebsive financiare dhe pabarazis\u00eb s\u00eb t\u00eb ardhurave mund t\u00eb shtyj\u00eb nj\u00eb num\u00ebr t\u00eb konsideruesh\u00ebm individ\u00ebsh pran\u00eb ose n\u00ebn kufirin e varf\u00ebris\u00eb. Nd\u00ebrsa gjithnj\u00eb e m\u00eb shum\u00eb njer\u00ebz luftojn\u00eb p\u00ebr t\u00eb p\u00ebrballuar jetes\u00ebn, rreziku i varf\u00ebris\u00eb b\u00ebhet m\u00eb i shpesht\u00eb. Rritja e normave t\u00eb interesit mund t\u00eb kontribuoj\u00eb gjithashtu n\u00eb shtyrjen e individ\u00ebve dhe familjeve drejt varf\u00ebris\u00eb. Kjo situat\u00eb mund t\u00eb ket\u00eb pasoja t\u00eb gjera sociale dhe t\u00eb shkaktoj\u00eb nj\u00eb barr\u00eb shtes\u00eb n\u00eb sistemet e mb\u00ebshtetjes sociale.<\/p>\n\n

Sa e keqe \u00ebsht\u00eb situata?<\/h2>\n\n

N\u00eb grafik\u00ebt e m\u00ebposht\u00ebm, mund t\u00eb shohim normat e interesit t\u00eb vendosura nga BQE ( Banka Qendrore Evropiane<\/em> ) p\u00ebr tre vitet e fundit. Disa p\u00ebrqind mund t\u00eb mos duken aq t\u00eb tmerrshme. Por kur bashkojm\u00eb gjith\u00e7ka, ndryshimet jan\u00eb marramend\u00ebse.<\/p>\n\n

Vendi<\/td>Normat e interesit sipas BQE-s\u00eb nga maji 2020 deri n\u00eb maj 2023<\/td>Norma minimale<\/td>Norma maksimale<\/td><\/tr>
\"FLAMUR<\/td>\"SK<\/td>-0,52%<\/td>3,66%<\/td><\/tr>
\"FLAMUR<\/td>\"CZrates\"<\/td>0,86%<\/td>5,11%<\/td><\/tr>
\"FLAMUR<\/td>\"Hurates\"<\/td>1,99%<\/td>10,25%<\/td><\/tr>
\"FLAMUR<\/td>\"ROrates\"<\/td>2,65%<\/td>9,26%<\/td><\/tr>
\"FLAMUR<\/td>\"BGrates\"<\/td>0,14%<\/td>4,21%<\/td><\/tr>
\"FLAMUR<\/td>\"LTrates\"<\/td>0,16%<\/td>2,88%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

Le t\u00eb marrim Republik\u00ebn \u00c7eke p\u00ebr shembull. P\u00ebraf\u00ebrsisht tre vjet m\u00eb par\u00eb, norma e interesit atje ishte 0.86%<\/strong> . N\u00ebse dikush do t\u00eb merrte nj\u00eb hipotek\u00eb prej 100,000 \u20ac p\u00ebr 30 vjet, pagesa e tij mujore do t\u00eb ishte rreth 315<\/strong> \u20ac. Meqen\u00ebse paga minimale atje \u00ebsht\u00eb af\u00ebrsisht 678 euro, pothuajse \u00e7do familje n\u00eb t\u00eb cil\u00ebn punojn\u00eb dy persona mund t\u00eb p\u00ebrballoj\u00eb nj\u00eb hipotek\u00eb. Megjithat\u00eb, me norm\u00ebn m\u00eb t\u00eb lart\u00eb t\u00eb interesit, e nj\u00ebjta hipotek\u00eb do t\u00eb kushtonte t\u00eb pakt\u00ebn 543<\/strong> \u20ac. E cila \u00ebsht\u00eb m\u00eb shum\u00eb se 70%<\/strong> – p\u00ebr t\u00eb nj\u00ebjt\u00ebn shum\u00eb parash t\u00eb huazuara! N\u00eb Hungari, situata \u00ebsht\u00eb edhe m\u00eb e keqe. N\u00ebse keni marr\u00eb hua t\u00eb nj\u00ebjt\u00ebn shum\u00eb atje, pagesa juaj mujore do t\u00eb ishte rreth 896<\/strong> \u20ac.<\/p>\n\n

Si mund ta zgjidhin njer\u00ebzit k\u00ebt\u00eb problem?<\/h2>\n\n

N\u00ebse nuk jeni milioner, duke shtuar 200 deri n\u00eb 600 euro shpenzimeve tuaja \u00e7do muaj do t\u00eb b\u00ebj\u00eb nj\u00eb ndryshim. Disa njer\u00ebz mund t\u00eb mos jen\u00eb n\u00eb gjendje as t\u00eb paguajn\u00eb. Si mund ta zgjidhim k\u00ebt\u00eb?<\/p>\n\n

    \n
  1. Shpenzoni m\u00eb pak<\/strong> : Shikoni nga af\u00ebr buxhetin tuaj dhe identifikoni fushat ku mund t\u00eb shkurtoni shpenzimet. Duke u fokusuar n\u00eb gj\u00ebrat thelb\u00ebsore, ju mund t\u00eb lironi m\u00eb shum\u00eb fonde p\u00ebr t\u00eb mbuluar pagesat e rritura t\u00eb hipotek\u00ebs. K\u00ebrkoni m\u00ebnyra p\u00ebr t\u00eb kursyer n\u00eb media, ushqim, arg\u00ebtim dhe sende t\u00eb tjera jo thelb\u00ebsore.<\/li>\n\n\n\n
  2. Ulni shpenzimet tuaja<\/strong> : N\u00ebse prona q\u00eb keni bler\u00eb \u00ebsht\u00eb relativisht e madhe dhe n\u00eb gjendje t\u00eb mir\u00eb, mund ta jepni me qira dhe n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb mund t\u00eb merrni me qira nj\u00eb vend m\u00eb t\u00eb lir\u00eb p\u00ebr t\u00eb jetuar. Megjithat\u00eb, kjo funksionon vet\u00ebm n\u00ebse ka nj\u00eb ndryshim t\u00eb r\u00ebnd\u00ebsish\u00ebm midis kostove t\u00eb qiras\u00eb s\u00eb dy pronave.<\/li>\n\n\n\n
  3. K\u00ebrkoni programe t\u00eb ndihm\u00ebs financiare<\/strong> : N\u00eb rast t\u00eb nj\u00eb rritjeje t\u00eb shpejt\u00eb t\u00eb \u00e7mimeve, ndonj\u00ebher\u00eb ka politika t\u00eb qeveris\u00eb p\u00ebr t\u00eb ndihmuar njer\u00ebzit q\u00eb nuk mund t\u00eb paguajn\u00eb m\u00eb borxhet e tyre. K\u00ebto programe mund t\u00eb ofrojn\u00eb leht\u00ebsim t\u00eb p\u00ebrkohsh\u00ebm ose ndihm\u00eb me pagesat e hipotek\u00ebs gjat\u00eb periudhave t\u00eb v\u00ebshtir\u00ebsive financiare.<\/li>\n<\/ol>\n\n

    A ka ndonj\u00eb m\u00ebnyr\u00eb m\u00eb t\u00eb mir\u00eb?<\/h2>\n\n

    Edhe n\u00ebse shpenzimet tuaja mujore rriten n\u00eb qiell, ka ende nj\u00eb m\u00ebnyr\u00eb p\u00ebr t\u00eb ruajtur stilin tuaj t\u00eb jetes\u00ebs. Mjafton n\u00ebse fitoni m\u00eb shum\u00eb<\/strong> . Dhe duke qen\u00eb se nuk mund t\u00eb merrni nj\u00eb arsim m\u00eb t\u00eb mir\u00eb ose shum\u00eb p\u00ebrvoj\u00eb n\u00eb nj\u00eb koh\u00eb t\u00eb shkurt\u00ebr, m\u00ebnyra m\u00eb e mir\u00eb \u00ebsht\u00eb t\u00eb k\u00ebrkoni nj\u00eb pun\u00eb n\u00eb nj\u00eb vend ku pagat jan\u00eb m\u00eb t\u00eb larta. Nga ana tjet\u00ebr, kjo \u00ebsht\u00eb m\u00eb e leht\u00eb t\u00eb thuhet sesa t\u00eb b\u00ebhet. Jo t\u00eb gjith\u00eb mund t\u00eb paketojn\u00eb nj\u00eb valixhet, t\u00eb paguajn\u00eb p\u00ebr nj\u00eb udh\u00ebtim larg, t\u00eb paguajn\u00eb qiran\u00eb dhe t\u00eb mbajn\u00eb veten nd\u00ebrsa gjejn\u00eb nj\u00eb pun\u00eb dhe paguhen.<\/p>\n\n

    Por edhe n\u00ebse nuk mund t’i p\u00ebrballoni t\u00eb gjitha gj\u00ebrat q\u00eb p\u00ebrmend\u00ebm, Atena<\/a> mund t’ju ndihmoj\u00eb! Ne do t’ju gjejm\u00eb nj\u00eb pun\u00eb<\/strong> , do t\u00eb paguajm\u00eb udh\u00ebtimin<\/strong> paraprakisht dhe do t\u00eb zgjedhim nj\u00eb pozicion <\/em>me akomodim t\u00eb siguruar<\/strong> ! Atena<\/a> do t’ju ndihmoj\u00eb gjithashtu me t\u00eb gjitha dokumentet e nevojshme dhe do t\u00eb jet\u00eb n\u00eb dispozicion p\u00ebr ju n\u00eb \u00e7do koh\u00eb gjat\u00eb q\u00ebndrimit tuaj jasht\u00eb vendit. Dhe pjesa m\u00eb e mir\u00eb \u00ebsht\u00eb se kur t\u00eb largoheni, mund t\u00eb jepni me qira pron\u00ebn tuaj n\u00eb sht\u00ebpi – dikush tjet\u00ebr do t\u00eb paguaj\u00eb hipotek\u00ebn tuaj, nd\u00ebrsa ju fitoni dy deri n\u00eb trefishin e asaj q\u00eb mund t\u00eb fitoni n\u00eb sht\u00ebpi.<\/p>\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Normat e interesit, si \u00e7mimet e shum\u00eb gj\u00ebrave t\u00eb tjera, jan\u00eb rritur. Hipoteka juaj tani mund t\u00eb jet\u00eb dy her\u00eb m\u00eb e shtrenjt\u00eb. Dhe sado e pamundur q\u00eb ting\u00ebllon, ekziston nj\u00eb m\u00ebnyr\u00eb p\u00ebr t\u00eb kryer pagesat tuaja dhe p\u00ebr t\u00eb ruajtur stilin e jet\u00ebs tuaj.<\/p>\n","protected":false},"author":20,"featured_media":201503,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[439],"tags":[],"acf":{"facebookpost":"Si pasoj\u00eb e ngjarjeve t\u00eb fundit, \u00e7mimet e shum\u00eb gj\u00ebrave jan\u00eb rritur ndjesh\u00ebm. U rrit\u00ebn edhe normat e interesit ???. N\u00eb disa vende, nj\u00eb hipotek\u00eb q\u00eb kushtonte 400 euro n\u00eb muaj tani kushton m\u00eb shum\u00eb se 900 euro! Si mund t\u00eb p\u00ebrballoni ende t\u00eb paguani? A ka ndonj\u00eb m\u00ebnyr\u00eb p\u00ebr t\u00eb ruajtur stilin tuaj t\u00eb jetes\u00ebs? Zbulojeni k\u00ebtu. ","popis_socialneho_obrazku":"Si t\u00eb jeni ende n\u00eb gjendje t\u00eb paguani hipotek\u00ebn?"},"yoast_head":"\nRritja e normave t\u00eb interesit n\u00eb BE - \u00e7far\u00eb mund t\u00eb b\u00ebjm\u00eb p\u00ebr t\u00eb ruajtur stilin ton\u00eb t\u00eb jetes\u00ebs? - Blogu Atena<\/title>\n<meta name=\"description\" content=\"Normat e interesit n\u00eb t\u00eb gjith\u00eb BE-n\u00eb po rriten. 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