{"id":34499,"date":"2026-09-29T09:57:00","date_gmt":"2026-09-29T07:57:00","guid":{"rendered":"https:\/\/kosovatimes.info\/?p=34499"},"modified":"2026-09-29T10:31:59","modified_gmt":"2026-09-29T08:31:59","slug":"kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit","status":"publish","type":"post","link":"https:\/\/kosovatimes.info\/index.php\/2026\/09\/29\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\/","title":{"rendered":"Kredia p\u00ebr banes\u00eb n\u00eb Kosov\u00eb: Sa kushton nj\u00eb banes\u00eb deri n\u00eb k\u00ebstin e fundit?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>60 mij\u00eb euro i merrni nga banka p\u00ebr 15 vjet. Por sa i ktheni deri n\u00eb k\u00ebstin e fundit?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00ebsti mujor mund t\u00eb duket i p\u00ebrballuesh\u00ebm, por pas tij fshihen vite pagesash, interesa, Euribori dhe kosto t\u00eb tjera. Sa kushton realisht nj\u00eb kredi p\u00ebr banes\u00eb n\u00eb Kosov\u00eb dhe \u00e7far\u00eb duhet t\u00eb dini para se t\u00eb firmosni kontrat\u00ebn?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebr shum\u00eb familje n\u00eb Kosov\u00eb, blerja e nj\u00eb banese \u00ebsht\u00eb nj\u00eb nga vendimet m\u00eb t\u00eb m\u00ebdha financiare t\u00eb jet\u00ebs. Kur kursimet nuk mjaftojn\u00eb, zgjidhja m\u00eb e zakonshme \u00ebsht\u00eb kredia bankare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por sa kushton realisht kjo kredi? A duhet qytetari t\u00eb shikoj\u00eb vet\u00ebm k\u00ebstin mujor? A mbetet ai i nj\u00ebjt\u00eb gjat\u00eb gjith\u00eb periudh\u00ebs s\u00eb kthimit? \u00c7far\u00eb ndodh kur norma e interesit ndryshon? Dhe cilat jan\u00eb kostot q\u00eb duhet t\u00eb kontrollohen n\u00eb kontrat\u00eb para n\u00ebnshkrimit?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Radio Kosova ka ndjekur rastin e nj\u00eb familjeje q\u00eb ka bler\u00eb banes\u00ebn p\u00ebrmes kredis\u00eb bankare.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Valbona Miftari, tregon se familja e saj ka marr\u00eb kredi n\u00eb vler\u00eb prej 65 mij\u00eb eurosh, me afat kthimi prej 180 muajsh, apo 15 vjet\u00ebsh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para se t\u00eb vendoste, ajo kishte k\u00ebrkuar oferta nga disa banka dhe institucione financiare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cN\u00eb fakt n\u00eb t\u00eb gjitha, madje edhe n\u00eb disa mikrofinanca. N\u00eb fund kemi vendosur p\u00ebr at\u00eb q\u00eb e kemi marr\u00eb. K\u00ebsti mujor ka qen\u00eb i p\u00ebrballuesh\u00ebm nd\u00ebrsa interesi ka qen\u00eb m\u00eb i ult\u00eb se te bankat tjera. Ka qen\u00eb nj\u00eb periudh\u00eb q\u00eb ka qen\u00eb ofert\u00eb, nuk ka qen\u00eb standard ai interes por si ofert\u00eb, ka qen\u00eb interes shum\u00eb i volitsh\u00ebm q\u00eb i ka p\u00ebrmbushur nevojat tona\u201d,<\/strong>&nbsp;thot\u00eb ajo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00eb momentin kur merret kredia, v\u00ebmendja e kredimarr\u00ebsit shpesh p\u00ebrqendrohet te k\u00ebsti mujor, por jo te pagesa e plot\u00eb e kredis\u00eb. Dhe dallimi mes k\u00ebtyre dy shifrave mund t\u00eb jet\u00eb dhjet\u00ebra mij\u00ebra euro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebr ta ilustruar k\u00ebt\u00eb, Radio Kosova ka marr\u00eb nj\u00eb shembull orientues: 60 mij\u00eb euro kredi, me afat kthimi 15 vjet, dhe ka p\u00ebrdorur norm\u00ebn mesatare prej 6.87 p\u00ebr qind, t\u00eb raportuar p\u00ebr kredit\u00eb deri n\u00eb qershor 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00eb k\u00ebt\u00eb p\u00ebrllogaritje supozohet se norma mbetet e pandryshuar gjat\u00eb gjith\u00eb periudh\u00ebs dhe nuk p\u00ebrfshihen tarifat apo shpenzimet e tjera. Me k\u00ebto kushte, k\u00ebsti mujor do t\u00eb ishte rreth 535 euro. P\u00ebr 180 muaj, qytetari do t\u00eb paguante rreth 96 mij\u00eb euro. Pra, p\u00ebr nj\u00eb kredi prej 60 mij\u00eb eurosh, pagesa mbi shum\u00ebn e marr\u00eb do t\u00eb ishte rreth 36 mij\u00eb euro. Kjo shum\u00eb p\u00ebrfaq\u00ebson rreth 60 p\u00ebr qind t\u00eb shum\u00ebs s\u00eb marr\u00eb kredi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por kjo \u00ebsht\u00eb vet\u00ebm nj\u00eb p\u00ebrllogaritje ilustrative. N\u00eb praktik\u00eb, kostoja reale varet nga oferta konkrete e bank\u00ebs, norma e interesit, n\u00ebse ajo \u00ebsht\u00eb fikse apo e ndryshueshme, afati i kredis\u00eb, tarifat, sigurimet dhe shpenzimet e tjera t\u00eb lidhura me kredin\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pra, 96 mij\u00eb euro nuk duhet t\u00eb interpretohen si \u00e7mimi i \u00e7do kredie prej 60 mij\u00eb eurosh, por si rezultat i nj\u00eb skenari t\u00eb caktuar me norm\u00eb interesi 6.87 p\u00ebr qind t\u00eb pandryshuar p\u00ebr 15 vjet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nj\u00eb nga faktor\u00ebt m\u00eb t\u00eb r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb m\u00ebnyra se si p\u00ebrcaktohet norma e interesit. N\u00ebse norma \u00ebsht\u00eb fikse, ajo mbetet e pandryshuar sipas kushteve t\u00eb kontrat\u00ebs p\u00ebr periudh\u00ebn p\u00ebr t\u00eb cil\u00ebn \u00ebsht\u00eb p\u00ebrcaktuar si fikse. Por n\u00ebse kredia ka norm\u00eb t\u00eb ndryshueshme, k\u00ebsti mund t\u00eb ndryshoj\u00eb. K\u00ebt\u00eb e ka p\u00ebrjetuar edhe Valbona.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cJo, sakt\u00ebsisht nuk e dim\u00eb, p\u00ebr faktin se gjat\u00eb tri viteve t\u00eb para, k\u00ebsti ka qen\u00eb fiks. Por pas tri viteve kan\u00eb ndryshuar gj\u00ebrat, \u00ebsht\u00eb rritur e po vazhdon t\u00eb rritet edhe tash. Nuk di t\u00eb tregoj deri n\u00eb mund t\u00eb shkoj\u00eb realisht, sepse po ndryshon Euribori, si\u00e7 m\u00eb kan\u00eb th\u00ebn\u00eb ajo ndryshon \u00e7do gjasht\u00eb muaj dhe mund t\u00eb kesh nj\u00eb vler\u00eb tjet\u00ebr t\u00eb k\u00ebstit, k\u00ebshtu q\u00eb nuk mund ta p\u00ebrcaktoj sa mund t\u00eb shkoj\u00eb deri n\u00eb fund\u201d,<\/strong>&nbsp;thot\u00eb ajo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00eb k\u00ebto raste, kredimarr\u00ebsi nuk duhet t\u00eb shikoj\u00eb vet\u00ebm norm\u00ebn fillestare t\u00eb interesit. Duhet t\u00eb kuptoj\u00eb se si formohet norma, sa shpesh mund t\u00eb ndryshoj\u00eb dhe \u00e7far\u00eb ndikimi mund t\u00eb ket\u00eb ndryshimi i saj n\u00eb k\u00ebstin mujor dhe n\u00eb shum\u00ebn totale q\u00eb do t\u00eb paguaj\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ekspert\u00ebt e ekonomis\u00eb thon\u00eb se vendimi p\u00ebr nj\u00eb kredi nuk duhet t\u00eb merret vet\u00ebm mbi baz\u00ebn e k\u00ebstit q\u00eb qytetari mund ta p\u00ebrballoj\u00eb sot. Profesori i ekonomis\u00eb, Shkumbin Misini, thot\u00eb se n\u00eb p\u00ebrcaktimin e normave t\u00eb interesit ndikojn\u00eb faktor\u00eb t\u00eb ndrysh\u00ebm ekonomik\u00eb, p\u00ebrfshir\u00eb k\u00ebrkes\u00ebn p\u00ebr kredi, rrezikun dhe kushtet e p\u00ebrgjithshme ekonomike.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cPse shkon norma e interesit shum\u00eb e lart\u00eb, \u00ebsht\u00eb pasi k\u00ebrkesa p\u00ebr kredi po rritet n\u00eb m\u00ebnyr\u00eb t\u00eb vazhdueshme dhe bankat kan\u00eb nj\u00eb marzh\u00eb t\u00eb fitimit marramend\u00ebs. Pra p\u00ebrfitim marramend\u00ebs q\u00eb shkon n\u00eb kurriz t\u00eb qytetar\u00ebve vendor\u00eb. Andaj mendoj q\u00eb t\u00eb kishin qen\u00eb masat m\u00eb rigoroze t\u00eb Bank\u00ebs Qendrore, dhe t\u00eb hyj\u00eb nj\u00eb garanci tek institucionet kompetente, do t\u00eb mund t\u00eb ndikonte n\u00eb uljen e interesit p\u00ebr nj\u00eb p\u00ebrqindje t\u00eb vog\u00ebl\u201d,<\/strong>&nbsp;thot\u00eb Misini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sipas profesorit Misini, n\u00eb norma t\u00eb interesit ndikojn\u00eb edhe pasiguria ekonomike dhe inflacioni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cN\u00ebse i pyet bankat, thon\u00eb se norm\u00ebn e interesit e kan\u00eb t\u00eb lart\u00eb p\u00ebr shkak t\u00eb pasiguris\u00eb n\u00eb vend, pasi dallon kontrata e sektorit publik me at\u00eb privat. Bizneset n\u00eb shumic\u00ebn e rasteve i kemi biznese t\u00eb vogla e t\u00eb mesme, nuk kan\u00eb shum\u00eb q\u00ebndrueshm\u00ebri financiare, p\u00ebr shkak t\u00eb pasiguris\u00eb q\u00eb kan\u00eb, detyrohen n\u00eb nj\u00ebfar\u00eb forme q\u00eb norm\u00ebn e interesit ta ken\u00eb m\u00eb t\u00eb lart\u00eb. Dhe e dyta, kjo shkon n\u00eb proporcion me norm\u00ebn e inflacionit, sepse e dim\u00eb q\u00eb Kosova prin me inflacion n\u00eb Evrop\u00eb, e kjo n\u00eb m\u00ebnyr\u00eb koherente kjo ndikon n\u00eb rritjen e norm\u00ebs s\u00eb interesit\u201d,<\/strong>&nbsp;sqaron ai.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Megjithat\u00eb, p\u00ebr nj\u00eb qytetar q\u00eb merr kredi p\u00ebr banes\u00eb, r\u00ebnd\u00ebsi ka t\u00eb dij\u00eb sa do t&#8217;i kushtoj\u00eb ajo kredi atij personalisht. Prandaj, para n\u00ebnshkrimit t\u00eb kontrat\u00ebs, kredimarr\u00ebsi duhet t\u00eb kontrolloj\u00eb: norm\u00ebn e interesit, n\u00ebse ajo norm\u00eb \u00ebsht\u00eb fikse apo e ndryshueshme, lidhjen e norm\u00ebs me Euriborin, n\u00ebse aplikohet, shum\u00ebn totale q\u00eb duhet t\u00eb paguhet, sigurimet dhe shpenzimet e tjera, por edhe kushtet p\u00ebr shlyerjen e parakohshme t\u00eb kredis\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebr t\u00eb krahasuar ofertat, qytetari nuk duhet t\u00eb ndalet vet\u00ebm te p\u00ebrqindja e interesit t\u00eb reklamuar. Nj\u00eb element i r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb edhe norma efektive e interesit, e cila ndihmon n\u00eb pasqyrimin m\u00eb t\u00eb plot\u00eb t\u00eb kostos s\u00eb kredis\u00eb, duke marr\u00eb parasysh edhe kostot p\u00ebrkat\u00ebse t\u00eb lidhura me t\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banka Qendrore e Kosov\u00ebs ka krijuar nj\u00eb platform\u00eb online ku konsumator\u00ebt mund t\u00eb krahasojn\u00eb produkte dhe sh\u00ebrbime financiare, p\u00ebrfshir\u00eb kredi, norma dhe kosto t\u00eb ndryshme. Kjo u mund\u00ebson qytetar\u00ebve q\u00eb, para se t\u00eb zgjedhin nj\u00eb ofert\u00eb, t\u00eb mos mb\u00ebshteten vet\u00ebm n\u00eb k\u00ebstin mujor, por t\u00eb shohin edhe kushtet dhe kostot q\u00eb lidhen me t\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eksperti i ekonomis\u00eb, Safet G\u00ebrxhaliu, thot\u00eb se nj\u00eb nga problemet \u00ebsht\u00eb se qytetar\u00ebt shpesh fokusohen te marrja e kredis\u00eb dhe jo te kostoja e saj afatgjat\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cQ\u00ebllimi \u00ebsht\u00eb arritja deri te kredia, por kur vjen koha p\u00ebr ta kthyer at\u00eb, at\u00ebher\u00eb analizohen n\u00eb detaje t\u00eb gjitha obligimet dhe kredia shpesh ju del m\u00eb e shtrenjt\u00eb sesa q\u00eb \u00ebsht\u00eb n\u00ebnshkruar dhe q\u00eb \u00ebsht\u00eb paramenduar. \u00cbsht\u00eb e v\u00ebrtet\u00eb q\u00eb ekziston nj\u00eb unifikim mes bankave komerciale sa i p\u00ebrket kredive p\u00ebr banesa, mir\u00ebpo kjo prap\u00eb \u00ebsht\u00eb \u00e7\u00ebshtje e negocimit\u201d,<\/strong>&nbsp;thot\u00eb G\u00ebrxhaliu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00ebrxhaliu thekson se ndryshimi i kushteve ekonomike dhe shtrenjtimi i jetes\u00ebs mund ta b\u00ebjn\u00eb m\u00eb t\u00eb v\u00ebshtir\u00eb p\u00ebr familjet p\u00ebrmbushjen e obligimeve mujore.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cDhe e t\u00ebra kjo po ndikon n\u00eb m\u00ebnyr\u00eb direkt apo indirekt n\u00eb ngritjen e kamatave, t\u00eb cilat koh\u00ebve t\u00eb fundit, si pasoj\u00eb e inflacionit, ngritjes s\u00eb \u00e7mimeve, dhe shtrenjtimit t\u00eb jet\u00ebs s\u00eb qytetar\u00ebve, me paga t\u00eb nj\u00ebjta qoft\u00eb minimale apo mesatare, \u00ebsht\u00eb e pamundur q\u00eb t\u00eb p\u00ebrmbushen t\u00eb gjitha obligimet bankare\u201d,<\/strong>&nbsp;thot\u00eb ai.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sa \u00ebsht\u00eb rritur tregu i kredive n\u00eb Kosov\u00eb?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sipas t\u00eb dh\u00ebnave t\u00eb Shoqat\u00ebs s\u00eb Bankave t\u00eb Kosov\u00ebs, deri n\u00eb qershor t\u00eb vitit 2026, vlera e p\u00ebrgjithshme e kredive n\u00eb sektorin bankar ishte rreth 7 miliard\u00eb euro. Prej tyre, rreth 4 miliard\u00eb euro ishin kredi p\u00ebr biznese, nd\u00ebrsa rreth 3 miliard\u00eb euro kredi p\u00ebr ekonomit\u00eb familjare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00eb buletinin statistikor t\u00eb Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs p\u00ebr qershor 2026, rritja vjetore e kredive totale raportohet n\u00eb 12.5 p\u00ebr qind, nd\u00ebrsa kredit\u00eb p\u00ebr ekonomit\u00eb familjare kishin sh\u00ebnuar rritje vjetore prej 16.4 p\u00ebr qind.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00eb dh\u00ebnat tregojn\u00eb gjithashtu ndryshim t\u00eb norm\u00ebs mesatare t\u00eb interesit n\u00eb kredi: nga 5.87 p\u00ebr qind n\u00eb fund t\u00eb vitit 2024, n\u00eb rreth 6.87 p\u00ebr qind n\u00eb fund t\u00eb qershorit 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kjo tregon se qytetar\u00ebt dhe bizneset po marrin m\u00eb shum\u00eb kredi, nd\u00ebrsa kostoja mesatare e huamarrjes ka ndryshuar n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pavar\u00ebsisht kostos, p\u00ebr shum\u00eb familje kredia mbetet m\u00ebnyra kryesore p\u00ebr t\u00eb bler\u00eb nj\u00eb banes\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00ebr Valbon\u00ebn, pas nj\u00eb periudhe t\u00eb gjat\u00eb t\u00eb jetes\u00ebs me qira, kredia ishte nj\u00eb mund\u00ebsi p\u00ebr t\u00eb pasur banes\u00ebn e saj.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cNe jemi si pun\u00ebtor\u00eb q\u00eb kemi nj\u00eb pag\u00eb mujore. Personalisht nuk kam ndonj\u00eb biznes, dhe nuk kam ndonj\u00eb mund\u00ebsi tjet\u00ebr p\u00ebrve\u00e7 kredis\u00eb. Mendoj q\u00eb \u00ebsht\u00eb e domosdoshme, ndoshta edhe p\u00ebr faktin se nj\u00eb periudh\u00eb t\u00eb gjat\u00eb kam jetuar me qira dhe nuk ia ka vlejtur. Jam p\u00ebr kredi p\u00ebr t\u00eb b\u00ebr\u00eb nj\u00eb zgjidhje, pasi ndjehem komode dhe jam e k\u00ebnaqur q\u00eb ma kan\u00eb dh\u00ebn\u00eb mund\u00ebsin\u00eb t\u00eb paguaj kredin\u00eb dal\u00ebngadal\u00eb\u201d,<\/strong>&nbsp;p\u00ebrfundon Miftari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kjo e tregon edhe an\u00ebn tjet\u00ebr t\u00eb kredis\u00eb. P\u00ebr nj\u00eb familje, kredia nuk \u00ebsht\u00eb vet\u00ebm interes dhe kosto financiare, por mund t\u00eb jet\u00eb m\u00ebnyra e vetme p\u00ebr t\u00eb kaluar nga qiraja te pron\u00ebsia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Megjithat\u00eb, p\u00ebr shkak se b\u00ebhet fjal\u00eb p\u00ebr nj\u00eb detyrim q\u00eb mund t\u00eb zgjas\u00eb 10, 15 apo 20 vjet, vendimi duhet t\u00eb merret duke par\u00eb p\u00ebrtej k\u00ebstit&nbsp;mujor q\u00eb mund t\u00eb p\u00ebrballohet sot, pra duhet t\u00eb shihet edhe sa do t\u00eb kushtoj\u00eb kredia deri n\u00eb k\u00ebstin e fundit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>60 mij\u00eb euro i merrni nga banka p\u00ebr 15 vjet. Por sa i ktheni deri n\u00eb k\u00ebstin e fundit? K\u00ebsti mujor mund t\u00eb duket i p\u00ebrballuesh\u00ebm, por pas tij fshihen vite pagesash, interesa, Euribori dhe kosto t\u00eb tjera. Sa kushton realisht nj\u00eb kredi p\u00ebr banes\u00eb n\u00eb Kosov\u00eb dhe \u00e7far\u00eb duhet t\u00eb dini para se t\u00eb [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6133,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-34499","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kredia p\u00ebr banes\u00eb n\u00eb Kosov\u00eb: Sa kushton nj\u00eb banes\u00eb deri n\u00eb k\u00ebstin e fundit? - Kosova Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kosovatimes.info\/index.php\/2026\/09\/29\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredia p\u00ebr banes\u00eb n\u00eb Kosov\u00eb: Sa kushton nj\u00eb banes\u00eb deri n\u00eb k\u00ebstin e fundit? - Kosova Times\" \/>\n<meta property=\"og:description\" content=\"60 mij\u00eb euro i merrni nga banka p\u00ebr 15 vjet. 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Sa kushton realisht nj\u00eb kredi p\u00ebr banes\u00eb n\u00eb Kosov\u00eb dhe \u00e7far\u00eb duhet t\u00eb dini para se t\u00eb [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kosovatimes.info\/index.php\/2026\/09\/29\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\/\" \/>\n<meta property=\"og:site_name\" content=\"Kosova Times\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-29T07:57:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-29T08:31:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kosovatimes.info\/wp-content\/uploads\/2026\/03\/ndertim.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"259\" \/>\n\t<meta property=\"og:image:height\" content=\"194\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"i l\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"i l\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/kosovatimes.info\\\/index.php\\\/2026\\\/09\\\/29\\\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kosovatimes.info\\\/index.php\\\/2026\\\/09\\\/29\\\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\\\/\"},\"author\":{\"name\":\"i l\",\"@id\":\"https:\\\/\\\/kosovatimes.info\\\/#\\\/schema\\\/person\\\/7586712b9c512fe68085de007378c915\"},\"headline\":\"Kredia p\u00ebr banes\u00eb n\u00eb Kosov\u00eb: Sa kushton nj\u00eb banes\u00eb deri n\u00eb k\u00ebstin e fundit?\",\"datePublished\":\"2026-09-29T07:57:00+00:00\",\"dateModified\":\"2026-09-29T08:31:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/kosovatimes.info\\\/index.php\\\/2026\\\/09\\\/29\\\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\\\/\"},\"wordCount\":1786,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/kosovatimes.info\\\/index.php\\\/2026\\\/09\\\/29\\\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kosovatimes.info\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/ndertim.jpeg\",\"articleSection\":[\"Ekonomi\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/kosovatimes.info\\\/index.php\\\/2026\\\/09\\\/29\\\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kosovatimes.info\\\/index.php\\\/2026\\\/09\\\/29\\\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\\\/\",\"url\":\"https:\\\/\\\/kosovatimes.info\\\/index.php\\\/2026\\\/09\\\/29\\\/kredia-per-banese-ne-kosove-sa-kushton-nje-banese-deri-ne-kestin-e-fundit\\\/\",\"name\":\"Kredia p\u00ebr banes\u00eb n\u00eb Kosov\u00eb: Sa kushton nj\u00eb banes\u00eb deri n\u00eb k\u00ebstin e fundit? 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