Zgjidhja ligjore q\u00eb Ministria e Financave ka hartuar, synon mbrojtje m\u00eb t\u00eb madhe t\u00eb qytetar\u00ebve q\u00eb shfryt\u00ebzojn\u00eb sh\u00ebrbimet e shoq\u00ebrive financiare dhe ka marr\u00eb drit\u00eb jeshile n\u00eb Kuvendin e RMV-s\u00eb.<\/p>\n
Me k\u00ebt\u00eb ligj, sigurohet mbrojtje m\u00eb e madhe e qytetar\u00ebve shfryt\u00ebzues t\u00eb sh\u00ebrbimeve t\u00eb shoq\u00ebrive financiare dhe rritje t\u00eb besimit n\u00eb shoq\u00ebrit\u00eb financiare p\u00ebrmes p\u00ebrcaktimit t\u00eb vler\u00ebs maksimale t\u00eb t\u00eb gjitha kostove lidhur me kredin\u00eb, shfyq\u00ebzimin e mund\u00ebsis\u00eb p\u00ebr marrjen e kredis\u00eb p\u00ebr mbylljen e kredis\u00eb s\u00eb maturuar paraprakisht n\u00eb t\u00eb nj\u00ebjt\u00ebn shoq\u00ebri financiare, shfyq\u00ebzimin e mund\u00ebsis\u00eb ku shoq\u00ebrit\u00eb tregtare q\u00eb posedojn\u00eb lejen ose licenc\u00ebn sipas Ligjit t\u00eb Loj\u00ebrave t\u00eb Fatit dhe Loj\u00ebrave Arg\u00ebtuese, t\u00eb ken\u00eb mund\u00ebsi t\u00eb jen\u00eb nd\u00ebrmjet\u00ebsues kreditor\u00eb t\u00eb shoq\u00ebris\u00eb financiare, p\u00ebrkat\u00ebsisht t\u00eb ofrojn\u00eb produkte kreditore.<\/p>\n
Gjithashtu, sipas ndryshimeve ligjore, n\u00eb t\u00eb ardhmen shoq\u00ebria financiare nuk do t\u00eb mund t\u00eb lidh\u00eb marr\u00ebveshje p\u00ebr kredi konsumatore, n\u00ebse shpenzimet q\u00eb nuk p\u00ebrfshihen n\u00eb norm\u00ebn vjetore t\u00eb kostove t\u00eb p\u00ebrgjithshme kalojn\u00eb 60% t\u00eb vler\u00ebs s\u00eb kredis\u00eb s\u00eb miratuar. Konkretisht, kompensimet i referohen t\u00eb gjitha shpenzimeve q\u00eb konsumatori i paguan ose ka detyrim t\u2019i paguaj\u00eb gjat\u00eb gjith\u00eb periudh\u00ebs s\u00eb vlefshm\u00ebris\u00eb s\u00eb marr\u00ebveshjes, t\u00eb cilat jan\u00eb si rezultat ose jan\u00eb n\u00eb ndonj\u00eb m\u00ebnyr\u00eb t\u00eb lidhura me marr\u00ebveshjen e kredis\u00eb s\u00eb konsumatorit ose sh\u00ebrbimet e lidhura me to, nd\u00ebrsa ato nuk mund t\u00eb jen\u00eb m\u00eb shum\u00eb se principali i kredis\u00eb.<\/p>\n
Shoq\u00ebrit\u00eb financiare do t\u00eb ken\u00eb detyrimin t\u00eb krijojn\u00eb sistem t\u00eb menaxhimit t\u00eb rriskut t\u00eb kredis\u00eb, q\u00eb i referohet vler\u00ebsimit t\u00eb aft\u00ebsis\u00eb kreditore t\u00eb klientit p\u00ebr t\u00eb shlyer kredin\u00eb, si dhe vler\u00ebsimit t\u00eb humbjes s\u00eb shoq\u00ebris\u00eb financiare p\u00ebr shkak t\u00eb pamund\u00ebsis\u00eb s\u00eb klientit p\u00ebr t\u00eb shlyer detyrimet e tij n\u00eb vler\u00ebn ose kushtet e dakorduara.<\/p>\n
Ligji p\u00ebrforcon edhe mbik\u00ebqyrjen ndaj pun\u00ebs s\u00eb shoq\u00ebrive financiare, n\u00eb shembullin e rregullator\u00ebve t\u00eb tjer\u00eb, p\u00ebr t\u00eb cilat do t\u00eb p\u00ebrshkruhet dhe miratohet rregullore e ve\u00e7ant\u00eb. Po ashtu, p\u00ebr mosrespektim t\u00eb dispozitave ligjore jan\u00eb parapar\u00eb edhe gjoba nga 8 mij\u00eb deri n\u00eb 10 mij\u00eb euro.<\/p>\n
Gjithashtu, ndryshimet p\u00ebrforcojn\u00eb korniz\u00ebn rregullatore p\u00ebr pun\u00ebn e shoq\u00ebrive financiare n\u00eb tregun e Republik\u00ebs s\u00eb Maqedonis\u00eb s\u00eb Veriut, me q\u00ebllim q\u00eb ato t\u00eb p\u00ebrfaq\u00ebsojn\u00eb institucione serioze financiare q\u00eb ofrojn\u00eb alternativ\u00eb ndaj bankave dhe jo vet\u00ebm shoq\u00ebrit\u00eb q\u00eb ofrojn\u00eb kredi afatshkurt\u00ebra p\u00ebr popullat\u00ebn.<\/p>\n
Ndryshimi m\u00eb i r\u00ebnd\u00ebsish\u00ebm i referohet rritjes s\u00eb vler\u00ebs s\u00eb principalit baz\u00eb t\u00eb themelimit t\u00eb Shoq\u00ebris\u00eb financiare prej 100.000 euro n\u00eb 500.000 euro, me \u00e7\u2019rast ai nuk mund t\u00eb sigurohet n\u00ebp\u00ebrmjet huas\u00eb apo kredis\u00eb. Ndryshimet ligjore p\u00ebrcaktojn\u00eb gjithashtu se, shoq\u00ebris\u00eb financiare do t’i merret licenca n\u00ebse n\u00eb afat prej nj\u00eb viti i shqiptohen dy masa, p\u00ebrkat\u00ebsisht gjob\u00eb ose ndales\u00eb e p\u00ebrkohshme p\u00ebr kryerje e aktivitetit.<\/p>\n
Ndryshimet n\u00eb ligj lind\u00ebn si nevoj\u00eb p\u00ebr t\u00eb p\u00ebrforcuar k\u00ebrkesat dhe standardet rregullatore q\u00eb duhet t\u00eb plot\u00ebsojn\u00eb shoq\u00ebrit\u00eb financiare, numri i t\u00eb cilave \u00ebsht\u00eb rritur ndjesh\u00ebm, si dhe \u00ebsht\u00eb rritur numri i shfryt\u00ebzuesve t\u00eb kredive konsumatore q\u00eb ato i japin.<\/p>\n","protected":false},"excerpt":{"rendered":"
Zgjidhja ligjore q\u00eb Ministria e Financave ka hartuar, synon mbrojtje m\u00eb t\u00eb madhe t\u00eb qytetar\u00ebve q\u00eb shfryt\u00ebzojn\u00eb sh\u00ebrbimet e shoq\u00ebrive financiare dhe ka marr\u00eb drit\u00eb<\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[],"class_list":["post-12320","post","type-post","status-publish","format-standard","hentry","category-maqedoni"],"_links":{"self":[{"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=\/wp\/v2\/posts\/12320","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12320"}],"version-history":[{"count":0,"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=\/wp\/v2\/posts\/12320\/revisions"}],"wp:attachment":[{"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12320"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12320"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/indeks.bilten.mk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12320"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}