{"id":36515,"date":"2026-09-24T17:54:38","date_gmt":"2026-09-24T15:54:38","guid":{"rendered":"https:\/\/www.perla.al\/?p=36515"},"modified":"2026-09-24T17:54:38","modified_gmt":"2026-09-24T15:54:38","slug":"programi-i-strehimit-perballe-krizes-se-banesave-7-mije-familje-ne-pritje-te-mbeshtetjes-ekspertet-me-60-mije-euro-nuk-gjen-shtepi-ne-tirane","status":"publish","type":"post","link":"https:\/\/www.perla.al\/al\/programi-i-strehimit-perballe-krizes-se-banesave-7-mije-familje-ne-pritje-te-mbeshtetjes-ekspertet-me-60-mije-euro-nuk-gjen-shtepi-ne-tirane\/","title":{"rendered":"‘Programi i Strehimit’ p\u00ebrball\u00eb kriz\u00ebs s\u00eb banesave, 7 mij\u00eb familje n\u00eb pritje t\u00eb mb\u00ebshtetjes, ekspert\u00ebt: Me 60 mij\u00eb euro nuk gjen sht\u00ebpi n\u00eb Tiran\u00eb"},"content":{"rendered":"


\n<\/a>\"\"<\/a>
\nTitulli pronar, po iu kushton gjithnj\u00eb e m\u00eb shum\u00eb qytetar\u00ebve shqiptar. Sot \u00e7mimi i apartamenteve po rritet disa her\u00eb m\u00eb shpejt se pagat.<\/p>\n

N\u00eb 6 mujorin e dyt\u00eb vjet \u00e7mimet e pronave u rrit\u00ebn me 28% krahasuar me 2024 thot\u00eb Banka e Shqip\u00ebris\u00eb, nd\u00ebrsa pagat p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb u nga 83.401 lek\u00eb paga mesatare n\u00eb fund t\u00eb 2024-\u00ebs shkoi n\u00eb 86.984 lek\u00eb n\u00eb fund t\u00eb 2025-\u00ebs.<\/p>\n

P\u00ebrball\u00eb vrullit t\u00eb shtrenjtimit t\u00eb pronave, qeveria vjen me \u2018Programin e Strehimit\u2019, me 7 mij\u00eb apartamente n\u00eb \u2018duart e qytetar\u00ebve\u2019.<\/p>\n

Shteti propozon dy skema kryesore p\u00ebr t\u00eb leht\u00ebsuar blerjen ose p\u00ebrballimin e kostos s\u00eb banes\u00ebs. Rreth 3 mij\u00eb familje do t\u00eb p\u00ebrfitojn\u00eb subvencionim t\u00eb qiras\u00eb, deri n\u00eb 200 euro n\u00eb muaj, nd\u00ebrsa 4 mij\u00eb familje parashikohet t\u00eb mb\u00ebshteten me kredi t\u00eb buta. P\u00ebr kredit\u00eb, interesi \u00ebsht\u00eb 0% p\u00ebr apartamentet deri n\u00eb 60 mij\u00eb euro dhe 3% p\u00ebr banesat mbi k\u00ebt\u00eb vler\u00eb.
\nP\u00ebrfitues t\u00eb k\u00ebtyre skemave do t\u00eb jen\u00eb t\u00eb rinjt\u00eb, \u00e7iftet e reja, emigrant\u00ebt e rikthyer dhe kategorit\u00eb m\u00eb n\u00eb nevoj\u00eb. Kush jan\u00eb edhe t\u00eb ardhurat, q\u00eb nuk duhet t\u00eb kalojn\u00eb 280 mij\u00eb lek\u00eb n\u00eb muaj. Kurse kredia maksimale q\u00eb do mund t\u00eb marrin qytetar\u00ebt nuk mund t\u00eb kaloj\u00eb 20 milion\u00eb lek\u00eb.
\nEkspert\u00ebt n\u00eb \u2018Portofol\u2019 n\u00eb Report TV, edhe pse vler\u00ebsojn\u00eb nism\u00ebn si pozitive, kan\u00eb rezerva p\u00ebr tavanet e caktuara, pasi sipas tyre nuk pasqyron realitetin e \u00e7mimeve t\u00eb pronave n\u00eb treg.<\/p>\n

\u201cJan\u00eb 7.000 \u00e7alas n\u00eb dor\u00eb p\u00ebr vitin e ardhsh\u00ebm, u tha q\u00eb b\u00ebn \u00e7el\u00ebsa banesash sociale, por jo se do t\u00eb t’i dhuroj. Pra, p\u00ebrmes k\u00ebsaj ke banesa me zero lek\u00eb p\u00ebr ata q\u00eb jan\u00eb familje me t\u00eb ardhura shum\u00eb t\u00eb pakta, pra q\u00eb mund t\u00eb jetojn\u00eb dhe n\u00eb ndihm\u00eb sociale dhe \u00ebsht\u00eb nj\u00eb program social p\u00ebr \u00e7iftet e reja\u201d, tha Fatos \u00c7o\u00e7oli.<\/p>\n

“U b\u00eb vite q\u00eb nuk shikojm\u00eb kredit\u00eb e buta dhe e kan\u00eb t\u00eb pamundur. Ne i shikojm\u00eb qytetar\u00ebt q\u00eb shpenzojn\u00eb para dhe nuk dot me sht\u00ebpi. Ne nuk gjejm\u00eb dot apartamente me 6.000\u20ac, nuk ka shans t’i gjejm\u00eb n\u00eb Tiran\u00eb\u201d, thot\u00eb vler\u00ebsuesi i Pasurive t\u00eb Paluajtshme Ervin Demirxhiu.<\/p>\n

Ekspert\u00ebt theksojn\u00eb se nd\u00ebrhyrja e qeveris\u00eb duhet t\u00eb jet\u00eb nj\u00eb strategji e q\u00ebndrueshme dhe afatgjat\u00eb p\u00ebr t\u00eb adresuar numrin e madh t\u00eb mij\u00ebra familjeve q\u00eb k\u00ebrkojn\u00eb strehim t\u00eb q\u00ebndruesh\u00ebm.<\/p>\n

“Qeveria n\u00ebse n\u00eb t\u00eb v\u00ebrtet\u00eb do t’i b\u00ebj\u00eb k\u00ebto shtresa, do duhet t\u00eb b\u00ebjn\u00eb nj\u00eb pakt me nd\u00ebrtuesit, q\u00eb t\u00eb gjej\u00eb apartamente q\u00eb jan\u00eb n\u00eb nd\u00ebrtim. Sot mund t\u00eb gjesh apartamentin me 60.000\u20ac n\u00eb zonat shum\u00eb periferike t\u00eb Tiran\u00ebs, por nuk mund t\u00eb sh\u00ebrbejn\u00eb si kolateral, t\u00eb cilat nuk mund t\u00eb fusin n\u00eb kreditim dhe prandaj \u00ebsht\u00eb problem. M\u00eb mir\u00eb ule, b\u00ebje 3500 apartamente, por t\u00eb jet\u00eb e arritshme\u201d, tha Demirxhiu.<\/p>\n

Vet\u00ebm p\u00ebr t\u00eb financuar blerjen e banes\u00ebs kredia e marr\u00eb nga qytetar\u00ebt ka regjistruar rekorde. Prej vitit 2020 kur pati nj\u00eb kap\u00ebrcim t\u00eb fort\u00eb edhe shtrenjtimi i apartamenteve, kredia p\u00ebr blerje banese ka sh\u00ebnuar nj\u00eb rritje t\u00eb pand\u00ebrprer\u00eb. Nga 26.7 miliard\u00eb lek\u00eb n\u00eb vitin 2020, kredia p\u00ebr banesa u rrit n\u00eb 64.4 miliard\u00eb lek\u00eb n\u00eb vitin 2025. Vet\u00ebm n\u00eb 7 muajt e par\u00eb t\u00eb vitit 2026, kredia p\u00ebr blerje banese ka arritur n\u00eb 41.9 miliard\u00eb lek\u00eb. Interesi p\u00ebr kredin\u00eb hipotekore gjat\u00eb k\u00ebtij viti ka qen\u00eb 3.8%.
\nSip\u00ebrmarr\u00ebsi Zef Shtjefni thot\u00eb se shkaqet p\u00ebr shtrenjtimin e shpejt\u00eb t\u00eb pronave jan\u00eb disa.<\/p>\n

\u201cJan\u00eb tre shkaqe, pronar\u00ebt e trojeve ata marrin 30-40% t\u00eb apartamenteve. E dyta \u00ebsht\u00eb faktori i klientele\u00ebs s\u00eb jashtme t\u00eb huaj dhe e treta \u00ebsht\u00eb rritja totale e kostove n\u00eb t\u00eb gjitha n\u00eb t\u00eb gjith\u00eb zinxhirin e ekonomis\u00eb. Apartamentet q\u00ebndrojn\u00eb n\u00eb k\u00ebto \u00e7mime kaq t\u00eb larta p\u00ebr shkak edhe t\u00eb ofert\u00ebs q\u00eb vjen nga t\u00eb huajt q\u00eb duan t\u00eb blejn\u00eb apartamente tek ne, vjen nga emigrant\u00ebt tan\u00eb q\u00eb kan\u00eb b\u00ebr\u00eb mjaftuesh\u00ebm para p\u00ebr t\u00eb marr\u00eb nj\u00eb sht\u00ebpi t\u00eb dyt\u00eb\u201d, tha Shtjefni.
\nTirana b\u00ebhet e \u2018paprekshme\u2019 p\u00ebr \u00e7mimet e pronave, eksperti: Zonat e lira, ku mund t\u00eb blihet po pak\u00ebsohen<\/p>\n

Problematike n\u00eb vend jan\u00eb edhe \u00e7mimet e referencave q\u00eb jan\u00eb shum\u00eb m\u00eb t\u00eb ulta sesa \u00e7mimi p\u00ebr met\u00ebr katror n\u00eb treg t\u00eb lir\u00eb. Eksperti i pasurive t\u00eb paluajtshme, Ervin Demirxhiu, thot\u00eb se n\u00eb zona t\u00eb caktuara diferenca mes referenc\u00ebs dhe \u00e7mimit real mund t\u00eb arrij\u00eb deri n\u00eb dyfish.<\/p>\n

\u201cKemi institucione q\u00eb japin kredi p\u00ebr punonj\u00ebsit e tyre dhe k\u00ebto i japin me \u00e7mimin e referenc\u00ebs. Por ne e dim\u00eb shum\u00eb mir\u00eb, q\u00eb diferenca mes \u00e7mimit t\u00eb referenc\u00ebs me \u00e7mimet e tregut jan\u00eb shum\u00eb t\u00eb m\u00ebdha. Mund t\u00eb kemi dhe vende q\u00eb \u00e7mimet jan\u00eb dyfish m\u00eb t\u00eb larta se referencat\u201d, tha Demirxhiu.<\/p>\n

P\u00ebr shkak t\u00eb \u00e7mimit t\u00eb lart\u00eb thot\u00eb eksperti qytetar\u00ebt k\u00ebrkojn\u00eb nj\u00eb banes\u00eb t\u00eb vog\u00ebl, por q\u00eb n\u00eb fakt \u00ebsht\u00eb edhe m\u00eb e kushtueshme.<\/p>\n

\u201cQytetar\u00ebt me t\u00eb drejt\u00eb synojn\u00eb garsonier\u00ebn, synojn\u00eb apartament 1+1. Por k\u00ebto dy kategori pronash jan\u00eb shum\u00eb m\u00eb t\u00eb shtrenjta sesa pronat e tjera, sepse duke qen\u00eb se jan\u00eb t\u00eb vogla, vlera p\u00ebr met\u00ebr katror \u00ebsht\u00eb shum\u00eb m\u00eb e lart\u00eb sesa p\u00ebr apartamente m\u00eb t\u00eb m\u00ebdha\u201d, shprehet eksperti.<\/p>\n

Sa i p\u00ebrket zonave m\u00eb ekonomike p\u00ebr bler\u00ebsit, Demirxhiu ve\u00e7on disa prej territoreve n\u00eb periferi t\u00eb kryeqytetit.<\/p>\n

\u201cZona m\u00eb ekonomike p\u00ebr momentin \u00ebsht\u00eb Paskuqani, \u00ebsht\u00eb pjesa e Yzberishtit, e Kombinatit. Por nga pjesa e Kombinatit nuk kemi shum\u00eb oferta faktikisht. \u00cbsht\u00eb edhe fshati Linz\u00ebs, se zona posht\u00eb n\u00eb Fresk nuk preket m\u00eb\u201d, tha ai.<\/p>\n

Nd\u00ebrsa sipas referencave t\u00eb qeveris\u00eb t\u00eb miratuara n\u00eb 2023-shin p\u00ebr Tiran\u00ebn zonat m\u00eb ekonomike jan\u00eb n\u00eb Xhamll\u00ebk, rrug\u00ebn \u201cBardhyl\u201d dhe \u201cKongresi i Manastirit\u201d, \u00e7mimi referues \u00ebsht\u00eb 98.500 lek\u00eb p\u00ebr met\u00ebr katror. Pas tyre renditen Poligrafiku, Shkoza, Lana Bregasi, Linza dhe Sauku, me 97.200 lek\u00eb p\u00ebr met\u00ebr katror.<\/p>\n

N\u00eb zona t\u00eb tjera, \u00e7mimet referuese jan\u00eb m\u00eb t\u00eb ul\u00ebta. Tregu Industrial dhe Bregu i Lumit jan\u00eb n\u00eb nivelin e 89.900 lek\u00ebve p\u00ebr met\u00ebr katror, nd\u00ebrsa Qyteti Studenti, Varrezat e D\u00ebshmor\u00ebve dhe Selit\u00eb me 85.700 lek\u00eb.<\/p>\n

N\u00eb skajin tjet\u00ebr t\u00eb list\u00ebs jan\u00eb zonat periferike. Baldushku dhe Ndroqi kan\u00eb nj\u00eb \u00e7mim mesatar referues prej 32 mij\u00eb dhe 34 mij\u00eb lek\u00ebsh p\u00ebr met\u00ebr katror, nd\u00ebrsa B\u00ebrzhita \u00ebsht\u00eb n\u00eb nivelin e 34 mij\u00eb lek\u00ebve.<\/p>\n","protected":false},"excerpt":{"rendered":"

Titulli pronar, po iu kushton gjithnj\u00eb e m\u00eb shum\u00eb qytetar\u00ebve shqiptar. Sot \u00e7mimi i apartamenteve po rritet disa her\u00eb m\u00eb shpejt se pagat. N\u00eb 6 mujorin e dyt\u00eb vjet \u00e7mimet e pronave u rrit\u00ebn me 28% krahasuar me 2024 thot\u00eb Banka e Shqip\u00ebris\u00eb, nd\u00ebrsa pagat p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb u nga 83.401 lek\u00eb paga mesatare […]<\/p>\n","protected":false},"author":188,"featured_media":36517,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"cybocfi_hide_featured_image":"yes","footnotes":""},"categories":[1153,1149,1119,2281],"tags":[3227,2835,2828,4628],"yst_prominent_words":[1144,1291,1551,1337,1284],"class_list":["post-36515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apartamente-ne-shitje","category-shtepi-me-qera","category-vleresim-prone","category-vleresues-pronash","tag-sherbime-hipotekore","tag-apartament-me-qera-tirane","tag-apartamente-me-qera-ne-tirane","tag-intervista-e-ervin-demirxhiu"],"translation":{"provider":"WPGlobus","version":"2.12.2","language":"al","enabled_languages":["en","al"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"al":{"title":false,"content":false,"excerpt":false}}},"_links":{"self":[{"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/posts\/36515"}],"collection":[{"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/users\/188"}],"replies":[{"embeddable":true,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/comments?post=36515"}],"version-history":[{"count":1,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/posts\/36515\/revisions"}],"predecessor-version":[{"id":36518,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/posts\/36515\/revisions\/36518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/media\/36517"}],"wp:attachment":[{"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/media?parent=36515"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/categories?post=36515"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/tags?post=36515"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/www.perla.al\/al\/wp-json\/wp\/v2\/yst_prominent_words?post=36515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}