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– Un\u00eb jetoj dhe punoj n\u00eb Belgjik\u00eb q\u00eb\nprej 20 vjet\u00ebsh. Kam paguar shum\u00eb qira p\u00ebr apartamentin tim. Tani jam martuar\ndhe kam dy f\u00ebmij\u00eb. P\u00ebr t\u2019i shp\u00ebtuar k\u00ebsaj gjendjeje, d\u00ebshiroj t\u00eb blej nj\u00eb\nbanes\u00eb, jo p\u00ebr luks e as q\u00eb ta shes at\u00eb e t\u00eb fitoj, por q\u00eb t\u00eb jetoj aty deri n\u00eb\nvdekje. D\u00ebshiroj q\u00eb ju t\u00eb m\u00eb tregoni, a m\u00eb lejohet t\u00eb blej dhe pagesa t\u00eb b\u00ebhet\nme kredi n\u00eb baz\u00eb t\u00eb hipotek\u00ebs (normale, kjo ka kamat\u00eb)? \u00c7far\u00eb t\u00eb b\u00ebj?<\/strong><\/p>\n\n\n\n Harbi Aliaj, avokat, tel 0682044002:- <\/strong>Nuk jam i qart\u00eb\nse \u00e7far\u00eb n\u00ebnkuptoni ju me pyetjen tuaj, por po ju sqaroj se \u00e7\u2019do person mund t\u00eb\nblej\u00eb dhe t\u00eb shes\u00eb nj\u00eb send t\u00eb fituar n\u00eb m\u00ebnyr\u00eb t\u00eb ligjshme. N\u00ebse kursimet\ntuaja mjaftojn\u00eb q\u00eb t\u00eb blini nj\u00eb sht\u00ebpi pa qen\u00eb nevoja q\u00eb t\u00eb aplikoni p\u00ebr nj\u00eb\nkredi bankare at\u00ebher\u00eb, situata \u00ebsht\u00eb e thjeshte; blijeni. N\u00ebse keni pamund\u00ebsi financiare t\u00eb\npjes\u00ebshme p\u00ebr t\u00eb k\u00ebnaqur pritshm\u00ebrit\u00eb tuaja n\u00eb lidhje me pasurin\u00eb e paluajtshme\nq\u00eb k\u00ebrkoni t\u00eb blini, at\u00ebher\u00eb duhet t\u00eb aplikoni n\u00eb bankat e nivelit t\u00eb dyt\u00eb, apo\npran\u00eb ndonj\u00eb enti tjet\u00ebr financiar, q\u00eb\nt\u00eb mund t\u00eb kualifikoheni p\u00ebr t\u00eb marr\u00eb kredi. \nKontrata e kredis\u00eb pazgjidhshm\u00ebrisht parashikon t\u00eb drejta dhe detyrime\nt\u00eb pal\u00ebve, pra tuajat dhe t\u00eb organit financiar. Llogjika e do q\u00eb t\u00eb mendosh se\nasnj\u00eb subjekt nuk mund t\u2019ju jap\u00eb ju sasi\nmonetare pa nj\u00eb garanci, apo mjet q\u00eb t\u00eb mund t\u2019ju z\u00ebvend\u00ebsonte paaft\u00ebsin\u00eb tuaj\npaguse; q\u00eb n\u00eb nj\u00eb moment t\u00eb caktuar kohor, kur potenciali juaj financiar do t\u00eb\nulej apo shuhej. Huaja e marr\u00eb , parashikon norm\u00ebn e interesit t\u00eb bank\u00ebs, por\nedhe kamatat n\u00eb rastet e vonesave t\u00eb k\u00ebsteve paguese sipas kalendarit t\u00eb\ndakort\u00ebsuar t\u00eb pal\u00ebve. Jo vet\u00ebm kaq, institucione t\u00eb tilla, miratimin e kredis\u00eb\ne bashk\u00eb-shoq\u00ebrojn\u00eb me vendosjen e kolateraleve t\u00eb ndrysh\u00ebm; si\u00e7 mund t\u00eb jet\u00eb\nvendosja e pasurive t\u00eb paluajtshme t\u00eb caktuara n\u00eb hipotek\u00eb; (qoft\u00eb kjo edhe\npasuria q\u00eb doni t\u00eb blini) q\u00eb n\u00ebnkupton\nse n\u00eb \u00e7\u2019do rast insufi\u00e7ence monetare paguse nga ana juaj, p\u00ebr subjektin q\u00eb ju\nka kredituar, do t\u00eb pasonte shitjen e \nsendit n\u00eb ankand nga ky i fundit me q\u00ebllim p\u00ebrbushjen e kontrat\u00ebs, q\u00eb\nkredia e tyre (e drejta) t\u00eb mos humbiste.<\/p>\n","protected":false},"excerpt":{"rendered":" – Un\u00eb jetoj dhe punoj n\u00eb Belgjik\u00eb q\u00eb prej 20 vjet\u00ebsh. Kam paguar shum\u00eb qira p\u00ebr apartamentin tim. Tani jam martuar dhe kam dy f\u00ebmij\u00eb. P\u00ebr t\u2019i shp\u00ebtuar k\u00ebsaj gjendjeje, d\u00ebshiroj t\u00eb blej nj\u00eb banes\u00eb, jo p\u00ebr luks e as q\u00eb ta shes at\u00eb e t\u00eb fitoj, por q\u00eb t\u00eb jetoj aty deri n\u00eb vdekje. […]<\/p>\n","protected":false},"author":5,"featured_media":19891,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[87],"tags":[2034],"class_list":["post-20522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avokati","tag-harbi"],"_links":{"self":[{"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/posts\/20522","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=20522"}],"version-history":[{"count":0,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/posts\/20522\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/media\/19891"}],"wp:attachment":[{"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/media?parent=20522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/categories?post=20522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/intervista.al\/web\/wp-json\/wp\/v2\/tags?post=20522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}