{"id":16503,"date":"2019-01-30T11:50:18","date_gmt":"2019-01-30T11:50:18","guid":{"rendered":"https:\/\/durres.gov.al\/bashkia-durres-shpall-thirrjen-per-te-gjitha-bankat-e-nivelit-te-dyte-te-paraqesin-propozimet-e-tyre-per-ofrimin-e-kredive-me-kushte-lehtesuese-per-blerjen-e-apartamenteve-te-banimit-me-qellim-strehim\/"},"modified":"2019-01-30T11:50:18","modified_gmt":"2019-01-30T11:50:18","slug":"bashkia-durres-shpall-thirrjen-per-te-gjitha-bankat-e-nivelit-te-dyte-te-paraqesin-propozimet-e-tyre-per-ofrimin-e-kredive-me-kushte-lehtesuese-per-blerjen-e-apartamenteve-te-banimit-me-qellim-strehim","status":"publish","type":"post","link":"https:\/\/durres.gov.al\/en\/2019\/01\/30\/bashkia-durres-shpall-thirrjen-per-te-gjitha-bankat-e-nivelit-te-dyte-te-paraqesin-propozimet-e-tyre-per-ofrimin-e-kredive-me-kushte-lehtesuese-per-blerjen-e-apartamenteve-te-banimit-me-qellim-strehim\/","title":{"rendered":"Bashkia Durr\u00ebs shpall thirrjen p\u00ebr t\u00eb gjitha Bankat e Nivelit t\u00eb dyt\u00eb t\u00eb paraqesin propozimet e tyre p\u00ebr ofrimin e kredive me kushte leht\u00ebsuese p\u00ebr blerjen e apartamenteve t\u00eb banimit me q\u00ebllim strehimin e familjeve n\u00eb nevoj\u00eb"},"content":{"rendered":"

Bashkia Durr\u00ebs n\u00eb kuad\u00ebr t\u00eb Programit social p\u00ebr strehimin shpall thirrjen p\u00ebr t\u00eb gjitha Bankat e Nivelit t\u00eb dyt\u00eb t\u00eb paraqesin propozimet e tyre p\u00ebr ofrimin e kredive me kushte leht\u00ebsuese p\u00ebr blerjen e apartamenteve t\u00eb banimit me q\u00ebllim strehimin e familjeve dhe individ\u00ebve t\u00eb cil\u00ebt nuk jan\u00eb n\u00eb gjendje ekonomike dhe sociale t\u00eb p\u00ebrballojn\u00eb tregun e lir\u00eb t\u00eb banesave ose at\u00eb t\u00eb kredive hipotekore.<\/span><\/p>\n

Masa e subvencionit t\u00eb interesave t\u00eb kredis\u00eb p\u00ebr familjet q\u00eb p\u00ebrfitojn\u00eb kredi t\u00eb leht\u00ebsuara nga ky program, do t\u00eb jet\u00eb e barabart\u00eb me diferenc\u00ebn q\u00eb rezulton midis interesit vjetor t\u00eb kredis\u00eb n\u00eb tregun e lir\u00eb sipas marr\u00ebveshjes s\u00eb n\u00ebnshkruar me bank\u00ebn me interesin prej 3% (i pandryshuar gjat\u00eb gjith\u00eb periudh\u00ebs s\u00eb shlyerjes s\u00eb kredis\u00eb) q\u00eb paguan familja mbi principalin e kredis\u00eb.<\/span><\/p>\n

Financimi i programit \u00ebsht\u00eb n\u00eb shum\u00ebn 10.000.000 (dhjet\u00ebmilion) lek\u00eb i v\u00ebn\u00eb n\u00eb dispozicion Bashkia Durr\u00ebs me an\u00eb t\u00eb VKB nr. 469 dat\u00eb 23.12.2017 \u201cP\u00ebr miratimin e buxhetit t\u00eb Bashkis\u00eb Durr\u00ebs p\u00ebr vitin 2018 si dhe projektbuxhetin afatmes\u00ebm t\u00eb Bashkis\u00eb Durr\u00ebs p\u00ebr vitet 2018-2020\u201d i ndryshuar.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Fondi i v\u00ebn\u00eb n\u00eb dispozicion \u00ebsht\u00eb funksion i:<\/span><\/p>\n

\u2022 Numrit t\u00eb p\u00ebrfituesve n\u00eb total p\u00ebr \u00e7do tipologji banese.<\/span><\/p>\n

\u2022 Norm\u00ebs s\u00eb interesit t\u00eb kredis\u00eb.<\/span><\/p>\n

\u2022 Periudh\u00ebs s\u00eb shlyerjes s\u00eb kredis\u00eb.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Bazuar\u00a0 n\u00eb germ\u00ebn b t\u00eb pikes 1.1 t\u00eb Nenit 9, ne pik\u00ebn 1 t\u00eb Nenit 24 si dhe n\u00eb g\u00ebrm\u00ebn k t\u00eb Nenit 54 t\u00eb Ligjit nr. 139\/2015 \u201cP\u00ebr vetqeverisjen vendore\u201d, n\u00eb Nenin 47, 67 dhe neni 73 i Ligjit nr. 22\/2018 \u201cP\u00ebr strehimin social\u201d VKB nr. 469 dat\u00eb 23.12.2017 \u201cP\u00ebr miratimin e buxhetit t\u00eb Bashkis\u00eb Durr\u00ebs p\u00ebr vitin 2018 si dhe projektbuxhetin afatmes\u00ebm t\u00eb Bashkis\u00eb Durr\u00ebs p\u00ebr vitet 2018-2020\u201d i ndryshuar grupi i pun\u00ebs vendosi te p\u00ebrcaktoj\u00eb kriteret mbi baz\u00ebn e t\u00eb cilave do t\u00eb b\u00ebhet kualifikimi i bankave t\u00eb nivelit t\u00eb dyt\u00eb si dhe kriteret e p\u00ebrcaktimit t\u00eb ofert\u00ebs fituese.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Kriteret kualifikuese q\u00eb duhet t\u00eb plot\u00ebsoj\u00eb secila nga Bankat p\u00ebr tu perzgjedhur fituese p\u00ebrcaktohen si m\u00eb posht\u00eb:<\/span><\/p>\n

\u00a0<\/span><\/p>\n

1. Raporti i borxhit ndaj t\u00eb ardhurave n\u00eb p\u00ebrqindje<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

Banka q\u00eb do t\u00eb p\u00ebrzgjidhet fituese t\u00eb ket\u00eb indikator duhet ta ket\u00eb minimumi 50%. Ky indikator matet si raport i totalit t\u00eb k\u00ebsteve mujore q\u00eb do t\u00eb paguaj\u00eb individi mbi t\u00eb ardhurat e tij. Raporti i borxhit ndaj t\u00eb ardhurave neto n\u00eb p\u00ebrqindje duke konsideruar si shpenzim jetik esht\u00eb e barabart\u00eb me 50%.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

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2. Numri i rrjetit t\u00eb deg\u00ebve n\u00eb territorin e Durr\u00ebsit.<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

Banka q\u00eb t\u00eb p\u00ebrzgjidhet fituese duhet t\u00eb ket\u00eb minimumi 4 deg\u00eb n\u00eb territorin e Durr\u00ebsit..Numri i rrjetit t\u00eb deg\u00ebve n\u00eb territorin e qytetit t\u00eb Durr\u00ebsit krijon mund\u00ebsi p\u00ebr ti sh\u00ebrbyer kategoris\u00eb s\u00eb individ\u00ebve t\u00eb kualifikuar si p\u00ebrfitues p\u00ebr kredit\u00eb e buta sipas kritereve t\u00eb p\u00ebrcaktuara nga Bashkia Durr\u00ebs si dhe mund\u00ebson sh\u00ebrbimin ndaj t\u00eb p\u00ebrzgjedhurve sa m\u00eb pran\u00eb nj\u00ebsis\u00eb s\u00eb tyre administrative (v\u00ebrtetuar me dokumentacionin p\u00ebrkat\u00ebs)<\/span><\/p>\n

\u00a0<\/span><\/p>\n

3. Numri i klienteve t\u00eb bank\u00ebs<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

Banka q\u00eb do p\u00ebrzgjidhet fituese duhet t\u00eb ket\u00eb minimalisht 150.000 (nj\u00ebqind e pes\u00ebdhjet\u00ebmij\u00eb) klient\u00eb. Duke patur parasysh faktin q\u00eb bankat punojn\u00eb n\u00eb kredidh\u00ebnie kryesisht me klient\u00eb t\u00eb cil\u00ebt kan\u00eb historik marr\u00ebdh\u00ebnie me bank\u00ebn, dhe marrin dhe pre\u00e7edence, sygjerohet q\u00eb t\u00eb jete nj\u00eb num\u00ebr sa m\u00eb i madh klient\u00ebsh n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb ket\u00eb nj\u00eb baz\u00eb t\u00eb gj\u00ebr\u00eb p\u00ebrfshirje t\u00eb p\u00ebrfituesve t\u00eb mundsh\u00ebm t\u00eb k\u00ebtij programi, dhe mos hasin n\u00eb v\u00ebshtir\u00ebsi p\u00ebr miratimin e kredis\u00eb nga ana e bank\u00ebs. \u00cbsht\u00eb n\u00eb interesin dhe t\u00eb Bashkis\u00eb Durr\u00ebs q\u00eb banka te ket\u00eb nje baz\u00eb t\u00eb madhe klientele dhe mund t\u00eb operoj\u00eb dhe bashk\u00ebveproje si me klient\u00ebt ashtu dhe me Bashkin\u00eb Durr\u00ebs.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

4. Numri i pagamarr\u00ebsve t\u00eb bank\u00ebs.<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

Banka q\u00eb t\u00eb p\u00ebrzgjidhet fituese duhet t\u00eb ket\u00eb minimumi 50.000 pagamarr\u00ebs. Kreditimi i pag\u00ebs si nj\u00eb e ardhur fikse mujore leht\u00ebson dhe shmang vonesat p\u00ebr shlyerjen e kredive p\u00ebr ato individ\u00eb q\u00eb do t\u00eb jen\u00eb pjes\u00eb e skem\u00ebs dhe paga e tyre kanalizohet n\u00ebp\u00ebrmjet bank\u00ebs.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

5. Kryerja e veprimeve bankare on-line<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

Banka q\u00eb do t\u00eb perzgjidhet si fituese duhet t\u00eb ket\u00eb domosdoshm\u00ebrisht kryerjen e veprimeve bankare on-line pasi me an\u00eb t\u00eb platform\u00ebs on-line klient\u00ebt mund t\u00eb kryejn\u00eb pagesa, paguajn\u00eb k\u00ebstet e kredive dhe kan\u00eb akses n\u00eb llogarit\u00eb e tyre n\u00eb \u00e7do moment.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

6. Akses dhe informacion i bank\u00ebs n\u00eb tregun real estate<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

Banka duhet t\u00eb ket\u00eb akses dhe informacion p\u00ebr tregun e real estate pra t\u00eb ket\u00eb mund\u00ebsin\u00eb e ofrimit t\u00eb informacioneve shtes\u00eb nga ana e bank\u00ebs s\u00eb p\u00ebrzgjedhur lidhur me tregun e pasurive t\u00eb paluajt\u00ebshme p\u00ebr ti ardhur n\u00eb ndihm\u00eb klient\u00ebve q\u00eb jan\u00eb n\u00eb k\u00ebrkim t\u00eb nj\u00eb banese.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

7. Ofrimi i sh\u00ebrbimeve jasht\u00eb orarit zyrtar<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

Ofrimi i sherbimeve bankare n\u00eb nj\u00eb afat kohor m\u00eb t\u00eb gjer\u00eb, mundesi p\u00ebr kryerjen e veprimeve t\u00eb t\u00eb ndryshme jasht\u00eb orarit zyrtar t\u00eb bankave. (i.e. Orari i zgjatur, ose veprime gjat\u00eb n\u00eb fundjav\u00ebs).<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Kriteret sa m\u00eb sip\u00ebr cituar do t\u00eb plot\u00ebsohen me ane t\u00eb deklaratave t\u00eb firmosura nga p\u00ebrfaq\u00ebsuesit ligjor t\u00eb bank\u00ebs ose personit\/personave t\u00eb autorizuar.\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

8. Bashkia Durr\u00ebs rezervon t\u00eb drejt\u00ebn t\u00eb verifikoj\u00eb dhe kontrolloj\u00eb n\u00eb \u00e7do koh\u00eb v\u00ebrtet\u00ebsin\u00eb e deklaratave t\u00eb l\u00ebshuara nga bankat pikat 1-8 (Deklarat\u00eb nga P\u00ebrfaq\u00ebsuesi ligjor apo personi i autorizuar)<\/span><\/strong><\/span><\/p>\n

\u00a0<\/span><\/p>\n

9. Dokumentacionin kualifikues q\u00eb k\u00ebrkohet p\u00ebr k\u00ebt\u00eb pro\u00e7edur\u00eb p\u00ebr p\u00ebrzgjedhjen e bank\u00ebs s\u00eb nivelit t\u00eb dyt\u00eb \u00ebsht\u00eb si m\u00eb posht\u00eb:<\/span><\/strong><\/span><\/p>\n

a. Ekstrakt QKB, i tre muajve t\u00eb fundit.<\/span><\/p>\n

b. V\u00ebrtetim nga dega rajonale e Tatimeve p\u00ebr shlyerjen e detyrimeve tatimore p\u00ebr vitin 2018<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Dokumentacioni i k\u00ebrkuar n\u00eb pik\u00ebn 9 k\u00ebrkohet p\u00ebr t\u00eb gjith\u00eb deg\u00ebt e secil\u00ebs bank\u00eb t\u00eb nivelit t\u00eb dyt\u00eb t\u00eb ndodhur n\u00eb territorin e Bashkis\u00eb Durr\u00ebs, n\u00eb rast t\u00eb kund\u00ebrt nuk do t\u00eb konsiderohet i vlefsh\u00ebm p\u00ebr vler\u00ebsim (dokumentacioni duhet t\u00eb jet\u00eb origjinal ose i njehsuar me origjinalin).<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Kriteret e p\u00ebrcaktimit t\u00eb ofert\u00ebs fituese pas plot\u00ebsimit t\u00eb dokumentacionit kualifikues (pika 1-9) t\u00eb bankave jan\u00eb:<\/span><\/p>\n

1. Interesi q\u00eb do t\u00eb ofrohet nga bankat e nivelit t\u00eb dyt\u00eb p\u00ebr kredit\u00eb e buta (interesi q\u00eb do t\u00eb ofrohet duhet t\u00eb jet\u00eb sa m\u00eb i ul\u00ebt).<\/span><\/p>\n

2. Afati m\u00eb i gjat\u00eb i ripagimit t\u00eb kredis\u00eb p\u00ebrkthehet n\u00eb k\u00ebste me te ul\u00ebta mujore, duke rritur mund\u00ebsin\u00eb e kredimarr\u00ebsve p\u00ebr p\u00ebrballimin e shlyerjes s\u00eb kredis\u00eb.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

K\u00ebto kritere do t\u00eb vler\u00ebsohen si m\u00eb posht\u00eb:<\/span><\/p>\n\n\n\n\n\n
No.<\/strong><\/td>\nKriteret<\/strong><\/td>\nPik\u00ebt<\/strong><\/td>\n<\/tr>\n
1<\/td>\nInteresi n\u00eb p\u00ebrqindje i kredis\u00eb ne lek.<\/span><\/td>\n70<\/td>\n<\/tr>\n
2<\/td>\nAfati i ripagimit t\u00eb kredis\u00eb<\/span><\/td>\n30<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/p>\n

\u00a0<\/p>\n

Subjektet renditen sipas pik\u00ebve t\u00eb fituara, renditje e cila pasqyrohet\u00a0 n\u00eb proces verbalin e shqytimit i cili p\u00ebrmban t\u00eb gjith\u00eb subjektet sipas radh\u00ebs:<\/span><\/p>\n

– subjekti n\u00eb vend t\u00eb par\u00eb,<\/span><\/p>\n

– subjekti n\u00eb vend t\u00eb dyt\u00eb, e k\u00ebshtu me radh\u00eb, sipas pik\u00ebve,<\/span><\/p>\n

– subjektet q\u00eb nuk plot\u00ebsojn\u00eb kriteret apo paraqesin dokumentacion t\u00eb parregullt<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Kjo pro\u00e7edur\u00eb do t\u00eb zhvillohet n\u00eb nj\u00eb faz\u00eb t\u00eb vetme. N\u00eb rastin kur banka q\u00eb oferton nuk plot\u00ebson dokumentacionin nga pika 1-9 komisioni i vler\u00ebsimit nuk do t\u00eb vijoj\u00eb vler\u00ebsimin e \u201cInteresit n\u00eb p\u00ebrqindje t\u00eb kredis\u00eb n\u00eb lek\u201d dhe \u201cAfatit t\u00eb ripagimit t\u00eb kredis\u00eb\u201d, pra banka ofertuese do t\u00eb skualifikohet.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Procesverbali i mbajtur nga Komisioni vler\u00ebsues i paraqitet Kryetarit t\u00eb Bashkis\u00eb p\u00ebr miratimin e vendimit t\u00eb marr\u00eb dhe p\u00ebrcjelljen e tij Drejtoris\u00eb Ligjor\u00eb p\u00ebr vazhdimin e procedurave t\u00eb nevojshme p\u00ebr lidhjen e kontrat\u00ebs me bank\u00ebn fituese.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Sh\u00ebnim\u00a0<\/span><\/p>\n

N\u00eb rast se subjektet kan\u00eb pretendime, at\u00ebher\u00eb atij i lind e drejta e ankes\u00ebs me shkrim sipas legjislacionit n\u00eb fuqi.<\/span><\/p>\n

Autoriteti kompetent shqyrton ankimimin e subjektit dhe del me nj\u00eb vendim brenda 7 dit\u00ebve nga data e depozitimit t\u00eb ankimimit. Vendimi i organit m\u00eb te lart\u00eb administrativ \u00ebsht\u00eb p\u00ebrfundimtar dhe i form\u00ebs s\u00eb prer\u00eb.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Afati p\u00ebr dor\u00ebzimin e ofertave pran\u00eb protokollit t\u00eb Bashkis\u00eb Durr\u00ebs \u00ebsht\u00eb\u00a0 deri m\u00eb dat\u00eb 11.02.2019<\/span><\/p>\n

Komisioni i vler\u00ebsimit ka afat pes\u00eb dit\u00eb p\u00ebr vler\u00ebsimin e propozimeve t\u00eb bankave t\u00eb nivelit t\u00eb dyt\u00eb, t\u00eb cilat do ti p\u00ebrcillen nga zyra e protokollit.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

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

Bashkia Durr\u00ebs n\u00eb kuad\u00ebr t\u00eb Programit social p\u00ebr strehimin shpall thirrjen p\u00ebr t\u00eb gjitha Bankat e Nivelit t\u00eb dyt\u00eb t\u00eb paraqesin propozimet e tyre p\u00ebr ofrimin e kredive me kushte leht\u00ebsuese p\u00ebr blerjen e apartamenteve t\u00eb banimit me q\u00ebllim strehimin e familjeve dhe individ\u00ebve t\u00eb cil\u00ebt nuk jan\u00eb n\u00eb gjendje ekonomike dhe sociale t\u00eb p\u00ebrballojn\u00eb […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"categories":[37],"tags":[],"class_list":["post-16503","post","type-post","status-publish","format-standard","hentry","category-njoftime"],"acf":[],"yoast_head":"\nBashkia Durr\u00ebs shpall thirrjen p\u00ebr t\u00eb gjitha Bankat e Nivelit t\u00eb dyt\u00eb t\u00eb paraqesin 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