{"id":12732,"date":"2016-04-13T17:30:24","date_gmt":"2016-04-13T15:30:24","guid":{"rendered":"http:\/\/intervista.al\/web\/?p=12732"},"modified":"2016-04-13T11:56:24","modified_gmt":"2016-04-13T09:56:24","slug":"si-ti-shpetoj-pronat-e-babait-nga-banka","status":"publish","type":"post","link":"https:\/\/intervista.al\/web\/2016\/04\/si-ti-shpetoj-pronat-e-babait-nga-banka\/","title":{"rendered":"Si t\u2019i shp\u00ebtoj pronat e babait nga banka?"},"content":{"rendered":"

– P\u00ebrsh\u00ebndetje avokat, jam Asllani nga Tirana. Kam 25 vite qe merrem me biznes, duke sjell\u00eb materiale elektrike nga jasht\u00eb. Biznesi n\u00eb fillimet e veta eci shum\u00eb mir\u00eb por kam rreth 10 vite q\u00ebkur ra kriza q\u00eb kishte nevoj\u00eb p\u00ebr likuiditet, njer\u00ebzit nuk paguanin etj. U detyrova si \u00e7do biznes q\u00eb detyrohej t\u00eb mbijetonte, t\u00eb merrja kredi. Kam kontaktuar fillimisht me nj\u00eb bank\u00eb e cila e shtrin aktivitetin n\u00eb Shqip\u00ebri, ku p\u00ebr \u00e7do produkt t\u00eb importuar vendosja kolateral produktet e importuara. Ka rreth 5 vite q\u00eb nj\u00eb kredi nuk e kam shlyer, por si kolateral kam vendosur produktet e importuara n\u00eb koh\u00ebn e importimit kur mora kredin\u00eb. Shuma e kredis ishte 100000 Lek t\u00eb reja, nd\u00ebrkoh\u00eb, pajisjet e importuara kishin vler\u00ebn 400000 lek t\u00eb reja.<\/strong> N\u00eb m\u00ebnyr\u00eb t\u00eb \u00e7uditshme erdhi Zyra e P\u00ebrmbarimit dhe k\u00ebrkoi t\u00eb ekzekutonte pronat e babait tim, me pretekstin se k\u00ebto jan\u00eb vendosur kolateral, nd\u00ebrkoh\u00eb q\u00eb un\u00eb kolateral nuk kam vendosur k\u00ebto prona, por pajisjet q\u00eb ju thash\u00eb. Jam informar nga dokumentet se kontratat e hipotekimit i ka firmosur v\u00ebllai im n\u00eb em\u00ebr dhe p\u00ebr llogari t\u00eb babait si person i besuar, pa patur akt p\u00ebrfaq\u00ebsimi. Pyetja ime \u00ebsht\u00eb si t\u00eb shp\u00ebtoj pronat e babait t\u00eb vendosura si kolateral?<\/strong><\/p>\n

Av. Alban Duraj, \u201cDuraj Lavv Firm\u201d, email: info@durajlavv.com<\/a>, Tel. ++35544532512:<\/u><\/strong> – I nderuar zoti Asllan, m\u00eb vjen shum\u00eb keq p\u00ebr at\u00eb q\u00eb ju ka ndodhur, por k\u00ebtu sistemi bankar l\u00eb p\u00ebr t\u00eb d\u00ebshiruar, pasi shpeshher\u00eb, punonj\u00ebsit e bank\u00ebs abuzojn\u00eb dhe kontratat nuk b\u00ebhen n\u00eb form\u00ebn e k\u00ebrkuar nga ligji.<\/p>\n

– P\u00ebrsa i p\u00ebrket rastit tuaj konkret, m\u00eb lejoni t\u00eb b\u00ebjm\u00eb nj\u00eb analiz\u00eb se cili mund t\u00eb p\u00ebrfaq\u00ebsoj\u00eb dik\u00eb tjet\u00ebr p\u00ebr t\u00eb kryer nj\u00eb veprim juridik t\u00eb vlefsh\u00ebm?<\/p>\n

– Me p\u00ebrfaq\u00ebsimin e nj\u00eb personi (p\u00ebrfaq\u00ebsuesi) kryen, brenda tagreve q\u00eb i jan\u00eb dh\u00ebn\u00eb nga ligji, nga prokura ose nga gjykata, veprime juridike n\u00eb em\u00ebr e p\u00ebr llogari t\u00eb nj\u00eb personi fizik ose juridik tjet\u00ebr (i p\u00ebrfaq\u00ebsuari). P\u00ebrfaq\u00ebsimi nuk lejohet kur veprimi juridik, sipas ligjit, duhet t\u00eb kryhet nga vet\u00eb personi. Nuk mund t\u00eb veproj\u00eb si p\u00ebrfaq\u00ebsues personi q\u00eb nuk ka zot\u00ebsi t\u00eb plot\u00eb p\u00ebr t\u00eb vepruar.<\/p>\n

– Tagret e p\u00ebrfaq\u00ebsimit ligjor caktohen nga dispozitat e ligjit q\u00eb i japin k\u00ebt\u00eb cil\u00ebsi, nd\u00ebrsa tagret e p\u00ebrfaq\u00ebsuesit t\u00eb em\u00ebruar nga i p\u00ebrfaq\u00ebsuari caktohen me prokur\u00eb. Tagret e p\u00ebrfaq\u00ebsuesit mund t\u00eb nxirren edhe nga rrethanat, n\u00eb t\u00eb cilat kryhen veprimet juridike-p\u00ebrkat\u00ebse.<\/p>\n

Veprimet juridike t\u00eb kryera nga p\u00ebrfaq\u00ebsuesi, brenda tagreve q\u00eb i jan\u00eb dh\u00ebn\u00eb, krijojn\u00eb pasoja drejt\u00ebp\u00ebrdrejt p\u00ebr t\u00eb p\u00ebrfaq\u00ebsuarin. P\u00ebrfaq\u00ebsuesi nuk mund t\u00eb kryej\u00eb veprime juridike n\u00eb em\u00ebr t\u00eb t\u00eb p\u00ebrfaq\u00ebsuarit as me veten e tij dhe as me persona t\u00eb tjer\u00eb t\u00eb p\u00ebrfaq\u00ebsuar prej tij, p\u00ebrve\u00e7 kur i p\u00ebrfaq\u00ebsuari e ka lejuar k\u00ebt\u00eb shprehimisht, ose kur p\u00ebrmbajtja e veprimit juridik nuk c\u00ebnon interesat e tij. \u00c7far\u00eb do t\u00eb kuptojm\u00eb me p\u00ebrfaq\u00ebsim me prokur\u00eb?<\/p>\n

– Prokura \u00ebsht\u00eb dokumenti n\u00eb t\u00eb cilin i p\u00ebrfaq\u00ebsuari, me vullnetin e tij t\u00eb lir\u00eb, ka p\u00ebrcaktuar karakterin dhe v\u00ebllimin e tagreve q\u00eb i ka dh\u00ebn\u00eb p\u00ebrfaq\u00ebsuesit. Prokura \u00ebsht\u00eb e p\u00ebrgjithshme kur i p\u00ebrfaq\u00ebsuari i ka dh\u00ebn\u00eb p\u00ebrfaq\u00ebsuesit tagre p\u00ebr t\u00eb kryer veprime juridike t\u00eb shum\u00ebllojshme, t\u00eb cilat kan\u00eb t\u00eb b\u00ebjn\u00eb me nj\u00eb t\u00ebr\u00ebsi t\u00eb drejtash t\u00eb t\u00eb p\u00ebrfaq\u00ebsuarit, p\u00ebrve\u00e7 atyre q\u00eb i ka p\u00ebrjashtuar shprehimisht. Prokura \u00ebsht\u00eb e posa\u00e7me kur i p\u00ebrfaq\u00ebsuari i ka dh\u00ebn\u00eb p\u00ebrfaq\u00ebsuesit tagrin p\u00ebr t\u00eb kryer nj\u00eb ose disa veprime juridike t\u00eb caktuara, q\u00eb karakterizohen nga nj\u00eb q\u00ebllim i p\u00ebrbashk\u00ebt.<\/p>\n

– Pra, n\u00eb rastin tuaj, v\u00ebllai juaj nuk ka patur tagre p\u00ebr t\u00eb firmosur lidhur me pronat q\u00eb ka babai juaj. Pra, nuk ka patur nj\u00eb dokument t\u00eb shkruar se babai juaj ka autorizuar v\u00ebllain p\u00ebr t\u00eb kryer k\u00ebt\u00eb veprim juridik. Jemi p\u00ebrpara kushteve t\u00eb pavlefshm\u00ebris\u00eb s\u00eb kontrat\u00ebs s\u00eb hipotekimit. Babai juaj duhet t\u2019i drejtohet Gjykat\u00ebs s\u00eb Rrethit Gjyq\u00ebsor ku t\u00eb k\u00ebrkoj\u00eb pavlefshm\u00ebrin\u00eb e kontrat\u00ebs s\u00eb hipotekimit.<\/p>\n

 <\/p>\n

\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

– P\u00ebrsh\u00ebndetje avokat, jam Asllani nga Tirana. Kam 25 vite qe merrem me biznes, duke sjell\u00eb materiale elektrike nga jasht\u00eb. Biznesi n\u00eb fillimet e veta eci shum\u00eb mir\u00eb por kam rreth 10 vite q\u00ebkur ra kriza q\u00eb kishte nevoj\u00eb p\u00ebr likuiditet, njer\u00ebzit nuk paguanin etj. U detyrova si \u00e7do biznes q\u00eb detyrohej t\u00eb mbijetonte, t\u00eb […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[87,219],"tags":[],"class_list":["post-12732","post","type-post","status-publish","format-standard","hentry","category-avokati","category-pyetje-pergjigje"],"_links":{"self":[{"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/posts\/12732","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/comments?post=12732"}],"version-history":[{"count":0,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/posts\/12732\/revisions"}],"wp:attachment":[{"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/media?parent=12732"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/categories?post=12732"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/tags?post=12732"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}