\r\n <span class=\"tp-lang-sq\">Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & Tax<\/span><span class=\"tp-lang-en\">Have a Loan & Pay Property Insurance? | Petani Law & Tax<\/span><span class=\"tp-lang-it\">Hai un Prestito e Paghi l'Assicurazione Immobilliare? | Petani Law & Tax<\/span>\r\n <\/title>\r\n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n \r\n <style>\r\n :root {\r\n --gold: #c5a059;\r\n --gold-light: #dfc493;\r\n --espresso: #1a0f0a;\r\n --brown-deep: #2c1810;\r\n --cream: #fdfcf9;\r\n }\r\n body { font-family: 'Inter', sans-serif; background-color: var(--cream); color: var(--espresso); line-height: 1.7; }\r\n .serif { font-family: 'Playfair Display', serif; }\r\n\r\n .drop-cap::first-letter { float: left; font-family: 'Playfair Display', serif; font-size: 4rem; 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}\r\n\r\n \/* Show Italian when TranslatePress language is IT *\/\r\n body.translatepress-it_IT .tp-lang-it,\r\n html[lang=\"it\"] .tp-lang-it { display: block; }\r\n body.translatepress-it_IT title span.tp-lang-it,\r\n html[lang=\"it\"] title span.tp-lang-it,\r\n body.translatepress-it_IT h1 span.tp-lang-it,\r\n html[lang=\"it\"] h1 span.tp-lang-it,\r\n body.translatepress-it_IT h2 span.tp-lang-it,\r\n html[lang=\"it\"] h2 span.tp-lang-it,\r\n body.translatepress-it_IT h3 span.tp-lang-it,\r\n html[lang=\"it\"] h3 span.tp-lang-it,\r\n body.translatepress-it_IT p span.tp-lang-it,\r\n html[lang=\"it\"] p span.tp-lang-it,\r\n body.translatepress-it_IT li span.tp-lang-it,\r\n html[lang=\"it\"] li span.tp-lang-it { display: inline; }\r\n <\/style>\r\n<\/head>\r\n<body class=\"antialiased\">\r\n\r\n <main class=\"max-w-3xl mx-auto px-6 py-12\">\r\n \r\n \r\n <div class=\"relative w-full h-[360px] rounded-2xl overflow-hidden shadow-xl mb-10 border-b-4 border-[var(--gold)]\">\r\n <img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/7578975\/pexels-photo-7578975.jpeg\" alt=\"Sigurimi i Pron\u00ebs dhe Bankat\" class=\"w-full h-full object-cover object-center brightness-[0.65]\">\r\n <div class=\"absolute inset-0 bg-gradient-to-t from-black\/90 via-black\/40 to-transparent\"><\/div>\r\n <div class=\"absolute bottom-8 left-8 right-8 text-white\">\r\n <p class=\"text-[var(--gold)] tracking-widest uppercase font-semibold text-xs mb-2\">\r\n <span class=\"tp-lang-sq\">E Drejt\u00eb Bankare & Mbrojtja e Konsumatorit<\/span><span class=\"tp-lang-en\">Banking Law & Consumer Protection<\/span><span class=\"tp-lang-it\">Diritto Bancario & Tutela del Consumatore<\/span>\r\n <\/p>\r\n <h1 class=\"serif text-3xl md:text-4xl font-bold leading-tight\">\r\n <span class=\"tp-lang-sq\">Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?<\/span><span class=\"tp-lang-en\">Have a Loan and Pay Property Insurance?<\/span><span class=\"tp-lang-it\">Hai un Prestito e Paghi l'Assicurazione Immobilliare?<\/span>\r\n <\/h1>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <article class=\"tp-lang-block tp-lang-sq\">\r\n <h2 class=\"serif text-2xl md:text-3xl text-[var(--brown-deep)] mb-6 border-b border-[var(--gold)]\/20 pb-4 font-semibold\">Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon.<\/h2>\r\n \r\n <p class=\"drop-cap\">Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: <strong>\u201cProna ime \u00ebsht\u00eb e siguruar.\u201d<\/strong><\/p>\r\n\r\n <p>Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: <strong>P\u00cbR SA?<\/strong><\/p>\r\n\r\n <p>N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar.<\/p>\r\n\r\n <p>Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro.<\/h3>\r\n\r\n <p>Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh.<\/p>\r\n\r\n <p>Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: <strong>INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT.<\/strong><\/p>\r\n\r\n <p>Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare.<\/h3>\r\n\r\n <p>N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet.<\/p>\r\n\r\n <p>Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: <em>\u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb<\/em><\/p>\r\n\r\n <p>Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin?<\/h3>\r\n\r\n <p>Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: <em>\u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d<\/em>? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde?<\/p>\r\n\r\n <p>N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve<\/h3>\r\n\r\n <p>Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse.<\/p>\r\n\r\n <p>Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi<\/h3>\r\n\r\n <p>Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit.<\/p>\r\n\r\n <p>Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: <strong>NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT.<\/strong><\/p>\r\n\r\n <p>Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% - 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla.<\/p>\r\n\r\n <p>Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore.<\/p>\r\n\r\n <div class=\"case-card p-6 rounded-xl my-8 shadow-md\">\r\n <p class=\"font-medium mb-0\">Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% - 62.5%<\/p>\r\n <\/div>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh<\/h3>\r\n\r\n <p>Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. <strong>Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit)<\/strong> parashikon se tregtar\u00ebt duhet t'u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet.<\/p>\r\n\r\n <p>Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Edhe informacioni i v\u00ebrtet\u00eb mund t\u00eb jet\u00eb \u00e7orientues<\/h3>\r\n\r\n <p>Kjo \u00ebsht\u00eb nj\u00eb pjes\u00eb shum\u00eb interesante e Ligjit p\u00ebr Mbrojtjen e Konsumator\u00ebve. <strong>Neni 14 (Praktika \u00e7orientuese)<\/strong> p\u00ebrcakton se nj\u00eb praktik\u00eb mund t\u00eb jet\u00eb \u00e7orientuese edhe kur informacioni \u00ebsht\u00eb faktikisht i v\u00ebrtet\u00eb, n\u00ebse m\u00ebnyra e paraqitjes mashtron ose mund t\u00eb mashtroj\u00eb konsumatorin dhe e shtyn t\u00eb marr\u00eb nj\u00eb vendim q\u00eb ndryshe nuk do ta kishte marr\u00eb.<\/p>\r\n\r\n <p>T\u00eb thuash: \u201cProna \u00ebsht\u00eb e siguruar nga zjarri\u201d mund t\u00eb jet\u00eb teknikisht e v\u00ebrtet\u00eb. Por n\u00ebse nuk i shpjegohet pronarit se prona \u00ebsht\u00eb siguruar vet\u00ebm p\u00ebr nj\u00eb pjes\u00eb t\u00eb vler\u00ebs, apo se inventari, malli dhe pajisjet nuk mbulohen, at\u00ebher\u00eb shtrohet pyetja juridike n\u00ebse konsumatori ka marr\u00eb informacionin real q\u00eb i nevojitej.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe ligji ka nj\u00eb em\u00ebr edhe p\u00ebr informacionin q\u00eb nuk t\u00eb jepet: \u201cinformacion i mang\u00ebt \u00e7orientues\u201d<\/h3>\r\n\r\n <p><strong>Neni 15 i Ligjit nr. 9902\/2008<\/strong> sqaron se nj\u00eb praktik\u00eb \u00ebsht\u00eb \u00e7orientuese edhe kur tregtari nuk jep informacionin q\u00eb i nevojitet konsumatorit mesatar p\u00ebr t\u00eb marr\u00eb nj\u00eb vendim t\u00eb informuar. Po k\u00ebshtu, informacioni konsiderohet i mang\u00ebt kur fshihet ose jepet n\u00eb m\u00ebnyr\u00eb t\u00eb paqart\u00eb, t\u00eb pakuptueshme, t\u00eb dykuptimt\u00eb ose t\u00eb parakohshme.<\/p>\r\n\r\n <p>Pra \u201cishte e shkruar diku n\u00eb polic\u00eb\u201d nuk e mbyll automatikisht debatin juridik. \u00c7\u00ebshtja \u00ebsht\u00eb: <strong>A \u00cbSHT\u00cb INFORMUAR REALISHT KONSUMATORI?<\/strong><\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Ligji i sigurimeve \u00ebsht\u00eb edhe m\u00eb specifik<\/h3>\r\n\r\n <p>Ligji nr. 52\/2014 \u201cP\u00ebr veprimtarin\u00eb e sigurimit dhe risigurimit\u201d vendos nj\u00eb regjim t\u00eb posa\u00e7\u00ebm informimi. <strong>Neni 63 (Detyrimi p\u00ebr informim p\u00ebrpara n\u00ebnshkrimit t\u00eb kontrat\u00ebs)<\/strong> p\u00ebrcakton se siguruesi dhe nd\u00ebrmjet\u00ebsi jan\u00eb t\u00eb detyruar q\u00eb p\u00ebrpara n\u00ebnshkrimit t'i japin konsumatorit me shkrim informacionin e nevojsh\u00ebm: rreziqet e mbuluara\/p\u00ebrjashtuara, primin, mbulimet baz\u00eb\/shtes\u00eb, m\u00ebnyr\u00ebn e d\u00ebmshp\u00ebrblimit dhe procedurat e ankimit.<\/p>\r\n\r\n <p>N\u00ebse po sigurohet vet\u00ebm nd\u00ebrtesa dhe jo inventari, ky nuk \u00ebsht\u00eb nj\u00eb detaj q\u00eb konsumatori duhet ta zbuloj\u00eb pas zjarrit. Duhet ta dij\u00eb para se t\u00eb paguaj\u00eb polic\u00ebn.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe k\u00ebtu ligji p\u00ebrdor vet\u00eb fjal\u00ebn \u201cmashtruese\u201d<\/h3>\r\n\r\n <p>Kjo \u00ebsht\u00eb arsyeja pse debati nuk duhet zbutur artificialisht. <strong>Neni 62 i Ligjit nr. 52\/2014<\/strong> parashikon pasojat kur siguruesi ose nd\u00ebrmjet\u00ebsi nuk p\u00ebrmbush detyrimin p\u00ebr informim ose jep informacion t\u00eb natyr\u00ebs mashtruese apo orientuese. N\u00ebse kjo ndikon n\u00eb vendimmarrjen e t\u00eb siguruarit, ligji i njeh t\u00eb drejt\u00ebn t\u00eb zgjidh\u00eb kontrat\u00ebn dhe t\u00eb k\u00ebrkoj\u00eb d\u00ebmshp\u00ebrblimin p\u00ebr d\u00ebmin e shkaktuar.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Po n\u00ebse ke nj\u00eb polic\u00eb t\u00ebnden?<\/h3>\r\n\r\n <p>Ke siguruar pron\u00ebn vet\u00eb. Polica \u00ebsht\u00eb aktive, siguruesi \u00ebsht\u00eb i licencuar, vlera mbulon rreziqet q\u00eb k\u00ebrkon banka. Dhe banka t\u00eb thot\u00eb: <em>\u201cNuk e pranojm\u00eb. Do t\u00eb b\u00ebjm\u00eb polic\u00ebn ton\u00eb.\u201d<\/em> Mos u mjafto me p\u00ebrgjigjen. Pyet: PSE? Cili kriter nuk plot\u00ebsohet? Cila klauzol\u00eb mungon? Pse nuk pranohet siguruesi? Dhe k\u00ebrkoje me shkrim.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Banka e Shqip\u00ebris\u00eb sot e thot\u00eb edhe m\u00eb qart\u00eb<\/h3>\r\n\r\n <p>Rregullorja nr. 48\/2015 e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u201cP\u00ebr kredin\u00eb konsumatore dhe kredin\u00eb hipotekare\u201d, n\u00eb versionin e integruar, p\u00ebrcakton n\u00eb <strong>Nenin 9\/4 (Paketat e agreguara dhe t\u00eb kombinuara)<\/strong> se banka duhet ta informoj\u00eb konsumatorin n\u00ebse konsumatori mund ta blej\u00eb produktin e sigurimit nga nj\u00eb ofrues i zgjedhur prej tij apo nga nj\u00eb ofrues i paracaktuar. Po i nj\u00ebjti nen p\u00ebrcakton: <em>\u201cBanka nuk mund t\u00eb ofroj\u00eb paketa t\u00eb kombinuara (tying practice) p\u00ebr konsumator\u00ebt.\u201d<\/em><\/p>\r\n\r\n <p>P\u00ebr m\u00eb tep\u00ebr, <strong>Neni 11 i Rregullores nr. 48\/2015<\/strong> parashikon se p\u00ebr kredin\u00eb hipotekare, banka duhet t'i paraqes\u00eb konsumatorit me shkrim informacionin standard parakontraktor dhe at\u00eb t\u00eb personalizuar P\u00cbRPARA kontrat\u00ebs.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe Autoriteti i Konkurrenc\u00ebs nuk e ka ngritur k\u00ebt\u00eb problem vet\u00ebm nj\u00eb her\u00eb<\/h3>\r\n\r\n <p>Pas hetimeve t\u00eb viteve 2018\u20132019, n\u00eb n\u00ebntor 2024 Autoriteti i Konkurrenc\u00ebs hapi nj\u00eb tjet\u00ebr hetim me Vendimin nr. 1130, dat\u00eb 07.11.2024. N\u00eb mars 2025, me Vendimin nr. 1171, \u00e7\u00ebshtja kaloi n\u00eb HETIM T\u00cb THELLUAR p\u00ebr shkelje t\u00eb mundshme t\u00eb nenit 4 dhe\/ose 9 t\u00eb Ligjit nr. 9121\/2003 \u201cP\u00ebr mbrojtjen e konkurrenc\u00ebs\u201d.<\/p>\r\n\r\n <p>N\u00eb vitin 2025, Autoriteti u k\u00ebrkoi vet\u00eb kredimarr\u00ebsve t\u00eb raportonin rastet kur nuk u ishte dh\u00ebn\u00eb mund\u00ebsia t\u00eb zgjidhnin lirisht shoq\u00ebrin\u00eb e sigurimit ose kishin pasur pengesa t\u00eb imponuara nga bankat. Hetimi vijoi me nj\u00eb seri vendimesh n\u00eb shkurt dhe mars 2026 q\u00eb vendos\u00ebn kushte dhe detyrime ndaj bankave:<\/p>\r\n\r\n <ul>\r\n <li>Vendimi nr. 1261, dat\u00eb 20.02.2026 \u2013 UBA;<\/li>\r\n <li>Vendimi nr. 1264, dat\u00eb 20.02.2026 \u2013 Credins Bank;<\/li>\r\n <li>Vendimi nr. 1270, dat\u00eb 20.02.2026 \u2013 Tirana Bank;<\/li>\r\n <li>Vendimi nr. 1276, dat\u00eb 09.03.2026 \u2013 Intesa Sanpaolo Bank Albania.<\/li>\r\n <\/ul>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Po AMF?<\/h3>\r\n\r\n <p>Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) mbik\u00ebqyr tregun e sigurimeve. Rregullorja e AMF nr. 35, dat\u00eb 28.05.2015 parashikon procedur\u00ebn e shqyrtimit t\u00eb ankesave. Gjat\u00eb shqyrtimit AMF mund t\u00eb k\u00ebrkoj\u00eb dokumente, t\u00eb zhvilloj\u00eb takime dhe t\u00eb kryej\u00eb verifikime pran\u00eb shoq\u00ebris\u00eb s\u00eb sigurimit.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">B\u00cbJ NJ\u00cb PROV\u00cb SONTE<\/h3>\r\n\r\n <p>N\u00ebse ke kredi dhe pron\u00eb t\u00eb hipotekuar, gjej polic\u00ebn dhe p\u00ebrgjigju k\u00ebtyre pyetjeve:<\/p>\r\n\r\n <ul>\r\n <li>Sa vlen realisht prona ime kaj dhe p\u00ebr sa \u00ebsht\u00eb siguruar?<\/li>\r\n <li>A \u00ebsht\u00eb shuma e polic\u00ebs rast\u00ebsisht e af\u00ebrt me kredin\u00eb e mbetur?<\/li>\r\n <li>Kush e ka p\u00ebrcaktuar k\u00ebt\u00eb shum\u00eb dhe kush e zgjodhi kompanin\u00eb?<\/li>\r\n <li>\u00c7far\u00eb mbulon \u201czjarri\u201d? A mbulohen inventari, malli dhe pajisjet?<\/li>\r\n <li>Kush \u00ebsht\u00eb p\u00ebrfituesi i d\u00ebmshp\u00ebrblimit?<\/li>\r\n <li>N\u00ebse ke nj\u00eb polic\u00eb ekzistuese, pse nuk pranohet?<\/li>\r\n <\/ul>\r\n\r\n <p>Mos prano m\u00eb p\u00ebrgjigjen: <em>\u201cK\u00ebshtu e ka banka.\u201d<\/em> K\u00ebrko arsyet me shkrim. Mashtrimi m\u00eb i rreziksh\u00ebm \u00ebsht\u00eb t\u00eb mendosh se je i mbrojtur. Prandaj, hape polic\u00ebn sot!<\/p>\r\n\r\n <div class=\"mt-10 pt-6 border-t border-[var(--gold)]\/30 text-sm text-gray-600 italic\">\r\n <p class=\"font-bold text-[var(--brown-deep)] not-italic mb-1\">Petani Law & Tax<\/p>\r\n <p>Material juridik dhe sensibilizues mbi transparenc\u00ebn, sigurimin e kolateralit dhe t\u00eb drejtat e kredimarr\u00ebsve. P\u00ebr zbatimin n\u00eb nj\u00eb rast konkret duhet t\u00eb analizohen kontrata e kredis\u00eb, polica e sigurimit dhe statusi juridik i kredimarr\u00ebsit.<\/p>\r\n <\/div>\r\n <\/article>\r\n\r\n \r\n <article class=\"tp-lang-block tp-lang-en\">\r\n <h2 class=\"serif text-2xl md:text-3xl text-[var(--brown-deep)] mb-6 border-b border-[var(--gold)]\/20 pb-4 font-semibold\">Open your policy today. You might not be insured for what you think.<\/h2>\r\n \r\n <p class=\"drop-cap\">You took out a loan. The bank requested a property as collateral. Then it told you to insure it against fire, earthquake, and other risks. The policy was issued. The premium is paid. And you continued peacefully with the conviction: <strong>\"My property is insured.\"<\/strong><\/p>\r\n\r\n <p>Let me ask you just one question: <strong>FOR HOW MUCH?<\/strong><\/p>\r\n\r\n <p>If you don't know the answer today, this article is for you. Take your insurance policy. Find the section titled \"Sum Insured\". Then compare it to the actual market value of the property. You might discover something nobody explained when you signed for the loan: your property might be worth far more than the insured amount.<\/p>\r\n\r\n <p>And that brings up the question: If the property is mine, the risk is mine, and I pay the insurance premium, who decided how much it should be insured for? Me? Or the bank, looking primarily at the balance of its loan?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">A 1 million euro property. A 300 thousand euro loan. A 300 thousand euro insurance policy.<\/h3>\r\n\r\n <p>Let's make it simple. You have a property worth \u20ac1,000,000. You took a loan of \u20ac300,000. The property was pledged as collateral. The insurance policy was written for \u20ac300,000. The bank might be protected for its financial exposure. But what about you? You continue to hold a \u20ac1 million asset at risk.<\/p>\r\n\r\n <p>And this is precisely where a crucial distinction must be drawn: <strong>THE BANK'S INTEREST IS NOT THE SAME AS THE OWNER'S INTEREST.<\/strong><\/p>\r\n\r\n <p>The bank wants to protect its loan. The owner wants to protect the property. Both are legitimate interests, but they are not the same thing. When the owner pays the policy, they should clearly know which of these two interests they are financing.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">This is not hypothetical. The Competition Authority uncovered it in banking practices.<\/h3>\r\n\r\n <p>In Decision No. 585, dated 24.01.2019, the Competition Commission investigated the insurance intermediation market by second-tier banks. The analyzed market explicitly included life insurance and property insurance against fire and damages.<\/p>\r\n\r\n <p>One finding in the document is particularly revealing. For collateral insurance, the Authority found that premium rates were applied: <em>\u00abon the value of the property to be insured or on the value of the loan, based on the request made by the bank.\u00bb<\/em><\/p>\r\n\r\n <p>So the question: \"Is the property being insured, or the loan?\" is not rhetorical. It is an issue highlighted in official regulatory documents.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">The property is yours. You pay the premium. Who chooses the insurer?<\/h3>\r\n\r\n <p>The second question is just as simple. When you took out the loan, did anyone tell you: <em>\"Choose any insurance company you like, as long as the policy satisfies these objective criteria\"<\/em>? Were you presented with multiple quotes? Was the pricing explained? Or was a policy issued automatically and billed to your account?<\/p>\r\n\r\n <p>If the latter happened, you are not alone. The Competition Authority has raised concerns over these practices for years.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">In 2019, the Authority established restrictions on consumer choice<\/h3>\r\n\r\n <p>Decision No. 585\/2019 is remarkably detailed. Following its investigation, the Authority found that several banks lacked agreements with all licensed insurance companies, thereby \"restricting consumer choice\". For other institutions, it identified practices steering clients toward preferred insurers or brokering policies without proper licensing.<\/p>\r\n\r\n <p>The Commission didn't just note these issues; it imposed concrete binding obligations on banks to offer intermediation without restricting customer choice and recommended measures to the Financial Supervisory Authority (AFSA) regarding premium methodologies and licensing.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Even more interesting: Banks profit from the insurance paid by borrowers<\/h3>\r\n\r\n <p>There is another dimension consumers must understand. A bank isn't merely demanding insurance as a safeguard. When acting as a licensed broker, it earns brokerage commissions from insurance companies.<\/p>\r\n\r\n <p>In the 2019 investigation, the Competition Authority discovered that bank brokerage commissions ranged: <strong>FROM 20% TO 62.5% OF THE INSURANCE PREMIUM.<\/strong><\/p>\r\n\r\n <p>The Authority categorized these commissions as \"exceedingly high\" compared to standard 5%\u201310% commissions on other insurance products, determining that the absence of clear premium calculation methodologies rendered such commissions economically unjustified.<\/p>\r\n\r\n <div class=\"case-card p-6 rounded-xl my-8 shadow-md\">\r\n <p class=\"font-medium mb-0\">Decision 585\/2019 \u2022 Law No. 9902\/2008 \u2022 Law No. 52\/2014 \u2022 Bank of Albania Reg. 48\/2015 \u2022 Commissions 20% - 62.5%<\/p>\r\n <\/div>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">The Law guarantees your right to be informed<\/h3>\r\n\r\n <p>Law No. 9902, dated 17.04.2008, \"On Consumer Protection\", as amended, is clear. <strong>Article 7 (General Duty to Inform)<\/strong> mandates that traders provide full, accurate, and truthful information regarding services, including service characteristics, trading conditions, and underlying risks.<\/p>\r\n\r\n <p>Simply telling a customer \"You are insured\" is insufficient. You have the right to know: For how much? Covering what? With which company? At what cost? What is excluded?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Even truthful statements can be misleading<\/h3>\r\n\r\n <p><strong>Article 14 (Misleading Practices)<\/strong> of the Consumer Protection Law provides that a practice can be misleading even when information is factually correct, if its presentation deceives or is likely to deceive the average consumer, causing them to take a transactional decision they would not have taken otherwise.<\/p>\r\n\r\n <p>Stating \"The property is insured against fire\" might be technically true. But if it is omitted that coverage extends only to part of the structure's value, or excludes equipment and inventory, legal questions arise regarding misleading non-disclosure under <strong>Article 15<\/strong>.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Insurance regulatory framework establishes strict pre-contractual duties<\/h3>\r\n\r\n <p>Law No. 52\/2014 \"On Insurance and Reinsurance Activity\" creates a specialized disclosure regime. <strong>Article 63<\/strong> obliges insurers and brokers to provide written disclosures prior to contract signing detailing covered risks, exclusions, premiums, basic\/additional coverage, compensation methods, and dispute procedures.<\/p>\r\n\r\n <p>Furthermore, <strong>Article 62 of Law No. 52\/2014<\/strong> defines statutory remedies when misleading or incomplete information is provided, allowing insured parties to rescind the contract and seek damages.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">What if you already have your own policy?<\/h3>\r\n\r\n <p>If you insured the property independently with a licensed insurer, meeting all bank coverage criteria, and the bank refuses it stating: <em>\"We don't accept this policy, you must buy ours,\"<\/em> request the justification in writing. Ask which objective criterion or risk coverage is missing.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Bank of Albania regulatory prohibitions<\/h3>\r\n\r\n <p>Regulation No. 48\/2015 of the Bank of Albania \"On Consumer and Mortgage Loans\" explicitly mandates under <strong>Article 9\/4<\/strong> that banks inform consumers whether optional linked products can be purchased from an independent provider. Crucially, the regulation mandates: <em>\"Banks cannot engage in tying practices with consumers.\"<\/em><\/p>\r\n\r\n <p>Under <strong>Article 11<\/strong>, standard pre-contractual and personalized information for mortgage loans must be provided in writing BEFORE signing agreements.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Recent Competition Authority Enforcement Actions (2024\u20132026)<\/h3>\r\n\r\n <p>Enforcement efforts have continued actively. Following preliminary Decision No. 1130 (07.11.2024), the Competition Authority opened an in-depth investigation via Decision No. 1171 in March 2025 into credit-linked insurance practices under Articles 4 and 9 of Law No. 9121\/2003.<\/p>\r\n\r\n <p>In early 2026, the Competition Commission concluded proceedings by imposing binding conditions and obligations on multiple banking institutions:<\/p>\r\n\r\n <ul>\r\n <li>Decision No. 1261 (20.02.2026) \u2013 UBA;<\/li>\r\n <li>Decision No. 1264 (20.02.2026) \u2013 Credins Bank;<\/li>\r\n <li>Decision No. 1270 (20.02.2026) \u2013 Tirana Bank;<\/li>\r\n <li>Decision No. 1276 (09.03.2026) \u2013 Intesa Sanpaolo Bank Albania.<\/li>\r\n <\/ul>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Financial Supervisory Authority (AFSA) Complaints<\/h3>\r\n\r\n <p>The Financial Supervisory Authority (AFSA) oversees insurance markets. Under AFSA Regulation No. 35 (28.05.2015), formal complaint procedures exist allowing policyholders to challenge non-transparent or improper insurance practices directly with the regulator.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">TEST YOUR POLICY TONIGHT<\/h3>\r\n\r\n <p>If you have a loan secured by mortgaged property, pull out your policy and review these critical questions:<\/p>\r\n\r\n <ul>\r\n <li>What is the real value of my property versus the insured sum?<\/li>\r\n <li>Is the insured amount suspiciously identical to the remaining loan balance?<\/li>\r\n <li>Who determined the coverage amount and selected the insurer?<\/li>\r\n <li>What does \"fire risk\" actually cover? Are contents, equipment, or inventory included?<\/li>\r\n <li>Who is listed as the loss payee\/beneficiary?<\/li>\r\n <\/ul>\r\n\r\n <p>Don't accept \"That's just bank policy.\" Demand written explanations. The most dangerous assumption is believing you are fully covered when you are not. Check your policy today!<\/p>\r\n\r\n <div class=\"mt-10 pt-6 border-t border-[var(--gold)]\/30 text-sm text-gray-600 italic\">\r\n <p class=\"font-bold text-[var(--brown-deep)] not-italic mb-1\">Petani Law & Tax<\/p>\r\n <p>Legal and educational material regarding transparency, collateral insurance, and borrower rights. Concrete application requires analyzing specific loan contracts, insurance policies, and legal statuses.<\/p>\r\n <\/div>\r\n <\/article>\r\n\r\n \r\n <article class=\"tp-lang-block tp-lang-it\">\r\n <h2 class=\"serif text-2xl md:text-3xl text-[var(--brown-deep)] mb-6 border-b border-[var(--gold)]\/20 pb-4 font-semibold\">Apri la tua polizza oggi. Potresti non essere assicurato per ci\u00f2 che credi.<\/h2>\r\n \r\n <p class=\"drop-cap\">Hai stipulato un mutuo. La banca ha richiesto un immobile a garanzia. Successivamente ti ha chiesto di assicurarlo contro incendio, terremoto e altri rischi. La polizza \u00e8 creata. Il premio viene pagato. E hai proseguito con la convinzione: <strong>\"Il mio immobile \u00e8 assicurato.\"<\/strong><\/p>\r\n\r\n <p>Ti faccio una sola domanda: <strong>PER QUALE IMPORTO?<\/strong><\/p>\r\n\r\n <p>Se oggi non conosci la risposta, questo articolo fa per te. Prendi la tua polizza assicurativa. Cerca la voce \"Somma Assicurata\". Confrontala con il valore reale di mercato dell'immobile. Potresti scoprire che il tuo immobile vale molto di pi\u00f9 rispetto alla somma per cui \u00e8 stato assicurato.<\/p>\r\n\r\n <p>Chi ha deciso per quale importo assicurare il bene? Tu o la banca, guardando principalmente al saldo del proprio credito?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Un immobile da 1 milione di euro. Un mutuo da 300 mila euro. Un'assicurazione da 300 mila euro.<\/h3>\r\n\r\n <p>Facciamo un esempio semplice. Possiedi un immobile del valore di 1.000.000 di euro. Hai ottenuto un prestito di 300.000 euro. L'immobile \u00e8 posto a garanzia. La polizza viene stipulata per 300.000 euro. La banca \u00e8 protetta per la sua esposizione finanziaria. Ma tu? Tu continui ad avere a rischio un patrimonio di 1 milione di euro.<\/p>\r\n\r\n <p><strong>L'INTERESSE DELLA BANCA NON COINCIDE CON L'INTERESSE DEL PROPRIETARIO.<\/strong> La banca vuole tutelare il credito; il proprietario vuole tutelare il bene. Entrambi sono interessi legittimi, ma non sono la stessa cosa.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Rilievi dell'Autorit\u00e0 della Concorrenza sulle pratiche bancarie<\/h3>\r\n\r\n <p>Nella Decisione n. 585 del 24.01.2019, la Commissione per la Concorrenza ha indagato sul mercato dell'intermediazione assicurativa da parte delle banche di secondo livello in Albania. L'Autorit\u00e0 ha riscontrato che i tassi di premio venivano applicati <em>\u00absul valore dell'immobile da assicurare o sul valore del credito, in base alla richiesta formulata dalla banca.\u00bb<\/em><\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Chi sceglie la compagnia di assicurazione?<\/h3>\r\n\r\n <p>Quando hai richiesto il mutuo, ti \u00e8 stata data la possibilit\u00e0 di scegliere liberamente la compagnia assicurativa a condizione che rispettasse criteri oggettivi? O la polizza \u00e8 stata emessa automaticamente addebitandone i costi sul tuo conto?<\/p>\r\n\r\n <p>Nella decisione del 2019, l'Autorit\u00e0 della Concorrenza ha evidenziato come diverse banche limitassero la scelta del consumatore orientando i clienti verso compagnie convenzionate o applicando provvigioni di intermediazione comprese <strong>DAL 20% AL 62,5% DEL PREMIO ASSICURATIVO<\/strong>, definite sproporzionate ed economicamente ingiustificate.<\/p>\r\n\r\n <div class=\"case-card p-6 rounded-xl my-8 shadow-md\">\r\n <p class=\"font-medium mb-0\">Decisione 585\/2019 \u2022 Legge N. 9902\/2008 \u2022 Legge N. 52\/2014 \u2022 Regolamento BSH 48\/2015 \u2022 Commissioni 20% - 62.5%<\/p>\r\n <\/div>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">I diritti di informazione e la tutela del consumatore<\/h3>\r\n\r\n <p>La Legge n. 9902\/2008 sulla Tutela dei Consumatori (Articoli 7, 14 e 15) stabilisce l'obbligo di fornire informazioni chiare, corrette e complete. Una pratica \u00e8 considerata ingannevole o omissiva quando non fornisce al consumatore medio le informazioni necessarie per assumere una decisione consapevole.<\/p>\r\n\r\n <p>La Legge n. 52\/2014 sulle Assicurazioni (Articoli 62 e 63) e la Regolamentazione della Banca d'Albania n. 48\/2015 (Articoli 9\/4 e 11) vietano espressamente le pratiche di vendita abbinata vincolante (tying practices), garantendo al mutuatario il diritto di scegliere autonomamente il proprio assicuratore.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Interventi regolatori recenti (2024\u20132026)<\/h3>\r\n\r\n <p>A seguito dell'avvio di un'indagine approfondita nel 2024\u20132025, l'Autorit\u00e0 della Concorrenza ha adottato tra febbraio e marzo 2026 una serie di decisioni vincolanti nei confronti dei principali istituti bancari (Decisioni n. 1261, 1264, 1270, 1276 del 2026) per ripristinare la piena libert\u00e0 di scelta dei consumatori.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">VERIFICA LA TUA POLIZZA STASERA<\/h3>\r\n\r\n <p>Prendi la tua polizza ed esamina attentamente se il valore assicurato copre l'intero immobile o solo il debito residuo, quali garanzie ed esclusioni sono previste e chi \u00e8 indicato come beneficiario del risarcimento.<\/p>\r\n\r\n <p>Richiedi sempre motivazioni scritte alla banca in caso di rifiuto di polizze esterne. Non attendere che si verifichi un sinistro per scoprire le coperture reali.<\/p>\r\n\r\n <div class=\"mt-10 pt-6 border-t border-[var(--gold)]\/30 text-sm text-gray-600 italic\">\r\n <p class=\"font-bold text-[var(--brown-deep)] not-italic mb-1\">Petani Law & Tax<\/p>\r\n <p>Materiale giuridico e informativo su trasparenza, assicurazione delle garanzie reali e diritti dei mutuatari. La valutazione dei casi concreti richiede l'analisi dei singoli contratti di mutuo e delle polizze stipulate.<\/p>\r\n <\/div>\r\n <\/article>\r\n\r\n <\/main>\r\n\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & TaxHave a Loan & Pay Property Insurance? | Petani Law & TaxHai un Prestito e Paghi l’Assicurazione Immobilliare? | Petani Law & Tax E Drejt\u00eb Bankare & Mbrojtja e KonsumatoritBanking Law & Consumer ProtectionDiritto Bancario & Tutela del Consumatore Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?Have a Loan and Pay Property Insurance?Hai un Prestito e Paghi l’Assicurazione Immobilliare? Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon. Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: \u201cProna ime \u00ebsht\u00eb e siguruar.\u201d Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: P\u00cbR SA? N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar. Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj? Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro. Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh. Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT. Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon. Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare. N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet. Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: \u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs. Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin? Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: \u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde? N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh. N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse. Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019. Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit. Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT. Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% – 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla. Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore. Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% – 62.5% Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit) parashikon se tregtar\u00ebt duhet t’u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet. Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet? Edhe informacioni i v\u00ebrtet\u00eb mund t\u00eb jet\u00eb \u00e7orientues Kjo \u00ebsht\u00eb<\/p>","protected":false},"author":1,"featured_media":3637,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_thinkrank_schema_form_data":"","_thinkrank_selected_schema_type":"","_thinkrank_additional_schemas":"","_thinkrank_canonical_url":"","_thinkrank_og_title":"","_thinkrank_og_description":"","_thinkrank_og_image":"","_thinkrank_twitter_title":"","_thinkrank_twitter_description":"","_thinkrank_twitter_image":"","_thinkrank_imported_from":"","_thinkrank_focus_keywords":[],"_thinkrank_focus_keyword":"","_thinkrank_robots_meta_enabled":0,"_thinkrank_robots_meta":"[]","_thinkrank_advanced_robots_meta":"[]","_thinkrank_primary_category":0,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-4333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-petani-blog"],"yoast_head":"\n<title>Kredia dhe sigurimi i pron\u00ebs - Petani Law Firm<\/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:\/\/www.petani-lawfirm.com\/it\/kredia-dhe-sigurimi-i-prones\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredia dhe sigurimi i pron\u00ebs - Petani Law Firm\" \/>\n<meta property=\"og:description\" content=\"Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & TaxHave a Loan & Pay Property Insurance? | Petani Law & TaxHai un Prestito e Paghi l’Assicurazione Immobilliare? | Petani Law & Tax E Drejt\u00eb Bankare & Mbrojtja e KonsumatoritBanking Law & Consumer ProtectionDiritto Bancario & Tutela del Consumatore Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?Have a Loan and Pay Property Insurance?Hai un Prestito e Paghi l’Assicurazione Immobilliare? Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon. Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: \u201cProna ime \u00ebsht\u00eb e siguruar.\u201d Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: P\u00cbR SA? N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar. Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj? Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro. Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh. Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT. Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon. Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare. N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet. Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: \u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs. Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin? Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: \u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde? N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh. N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse. Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019. Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit. Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT. Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% – 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla. Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore. Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% – 62.5% Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit) parashikon se tregtar\u00ebt duhet t’u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet. Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet? 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Petani Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.petani-lawfirm.com\/it\/kredia-dhe-sigurimi-i-prones\/","og_locale":"it_IT","og_type":"article","og_title":"Kredia dhe sigurimi i pron\u00ebs - Petani Law Firm","og_description":"Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & TaxHave a Loan & Pay Property Insurance? | Petani Law & TaxHai un Prestito e Paghi l’Assicurazione Immobilliare? | Petani Law & Tax E Drejt\u00eb Bankare & Mbrojtja e KonsumatoritBanking Law & Consumer ProtectionDiritto Bancario & Tutela del Consumatore Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?Have a Loan and Pay Property Insurance?Hai un Prestito e Paghi l’Assicurazione Immobilliare? Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon. Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: \u201cProna ime \u00ebsht\u00eb e siguruar.\u201d Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: P\u00cbR SA? N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar. Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj? Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro. Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh. Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT. Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon. Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare. N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet. Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: \u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs. Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin? Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: \u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde? N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh. N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse. Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019. Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit. Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT. Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% – 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla. Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore. Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% – 62.5% Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit) parashikon se tregtar\u00ebt duhet t’u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet. Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet? Edhe informacioni i v\u00ebrtet\u00eb mund t\u00eb jet\u00eb \u00e7orientues Kjo \u00ebsht\u00eb","og_url":"https:\/\/www.petani-lawfirm.com\/it\/kredia-dhe-sigurimi-i-prones\/","og_site_name":"Petani Law Firm","article_published_time":"2026-08-28T04:51:51+00:00","article_modified_time":"2026-08-28T04:52:44+00:00","og_image":[{"width":2560,"height":2560,"url":"https:\/\/www.petani-lawfirm.com\/wp-content\/uploads\/2026\/04\/case-studies-petani-scaled.webp","type":"image\/webp"}],"author":"Stafi","twitter_card":"summary_large_image","twitter_misc":{"Scritto da":"Stafi","Tempo di lettura stimato":"17 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/#article","isPartOf":{"@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/"},"author":{"name":"Stafi","@id":"https:\/\/www.petani-lawfirm.com\/sq\/#\/schema\/person\/6dde4e6d9a37ed818d90e2333ea4df90"},"headline":"Kredia dhe sigurimi i pron\u00ebs","datePublished":"2026-08-28T04:51:51+00:00","dateModified":"2026-08-28T04:52:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/"},"wordCount":3914,"commentCount":0,"publisher":{"@id":"https:\/\/www.petani-lawfirm.com\/sq\/#organization"},"image":{"@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/#primaryimage"},"thumbnailUrl":"https:\/\/www.petani-lawfirm.com\/wp-content\/uploads\/2026\/04\/case-studies-petani-scaled.webp","articleSection":["Petani Blog"],"inLanguage":"it-IT","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/","url":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/","name":"Kredia dhe sigurimi i pron\u00ebs - 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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n \r\n <span class=\"tp-lang-sq\">Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & Tax<\/span><span class=\"tp-lang-en\">Have a Loan & Pay Property Insurance? | Petani Law & Tax<\/span><span class=\"tp-lang-it\">Hai un Prestito e Paghi l'Assicurazione Immobilliare? | Petani Law & Tax<\/span>\r\n <\/title>\r\n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,700&display=swap\" rel=\"stylesheet\">\r\n \r\n <style>\r\n :root {\r\n --gold: #c5a059;\r\n --gold-light: #dfc493;\r\n --espresso: #1a0f0a;\r\n --brown-deep: #2c1810;\r\n --cream: #fdfcf9;\r\n }\r\n body { font-family: 'Inter', sans-serif; background-color: var(--cream); color: var(--espresso); line-height: 1.7; }\r\n .serif { font-family: 'Playfair Display', serif; }\r\n\r\n .drop-cap::first-letter { float: left; font-family: 'Playfair Display', serif; 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}\r\n\r\n \/* Show Italian when TranslatePress language is IT *\/\r\n body.translatepress-it_IT .tp-lang-it,\r\n html[lang=\"it\"] .tp-lang-it { display: block; }\r\n body.translatepress-it_IT title span.tp-lang-it,\r\n html[lang=\"it\"] title span.tp-lang-it,\r\n body.translatepress-it_IT h1 span.tp-lang-it,\r\n html[lang=\"it\"] h1 span.tp-lang-it,\r\n body.translatepress-it_IT h2 span.tp-lang-it,\r\n html[lang=\"it\"] h2 span.tp-lang-it,\r\n body.translatepress-it_IT h3 span.tp-lang-it,\r\n html[lang=\"it\"] h3 span.tp-lang-it,\r\n body.translatepress-it_IT p span.tp-lang-it,\r\n html[lang=\"it\"] p span.tp-lang-it,\r\n body.translatepress-it_IT li span.tp-lang-it,\r\n html[lang=\"it\"] li span.tp-lang-it { display: inline; }\r\n <\/style>\r\n<\/head>\r\n<body class=\"antialiased\">\r\n\r\n <main class=\"max-w-3xl mx-auto px-6 py-12\">\r\n \r\n \r\n <div class=\"relative w-full h-[360px] rounded-2xl overflow-hidden shadow-xl mb-10 border-b-4 border-[var(--gold)]\">\r\n <img decoding=\"async\" src=\"https:\/\/images.pexels.com\/photos\/7578975\/pexels-photo-7578975.jpeg\" alt=\"Sigurimi i Pron\u00ebs dhe Bankat\" class=\"w-full h-full object-cover object-center brightness-[0.65]\">\r\n <div class=\"absolute inset-0 bg-gradient-to-t from-black\/90 via-black\/40 to-transparent\"><\/div>\r\n <div class=\"absolute bottom-8 left-8 right-8 text-white\">\r\n <p class=\"text-[var(--gold)] tracking-widest uppercase font-semibold text-xs mb-2\">\r\n <span class=\"tp-lang-sq\">E Drejt\u00eb Bankare & Mbrojtja e Konsumatorit<\/span><span class=\"tp-lang-en\">Banking Law & Consumer Protection<\/span><span class=\"tp-lang-it\">Diritto Bancario & Tutela del Consumatore<\/span>\r\n <\/p>\r\n <h1 class=\"serif text-3xl md:text-4xl font-bold leading-tight\">\r\n <span class=\"tp-lang-sq\">Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?<\/span><span class=\"tp-lang-en\">Have a Loan and Pay Property Insurance?<\/span><span class=\"tp-lang-it\">Hai un Prestito e Paghi l'Assicurazione Immobilliare?<\/span>\r\n <\/h1>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <article class=\"tp-lang-block tp-lang-sq\">\r\n <h2 class=\"serif text-2xl md:text-3xl text-[var(--brown-deep)] mb-6 border-b border-[var(--gold)]\/20 pb-4 font-semibold\">Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon.<\/h2>\r\n \r\n <p class=\"drop-cap\">Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: <strong>\u201cProna ime \u00ebsht\u00eb e siguruar.\u201d<\/strong><\/p>\r\n\r\n <p>Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: <strong>P\u00cbR SA?<\/strong><\/p>\r\n\r\n <p>N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar.<\/p>\r\n\r\n <p>Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro.<\/h3>\r\n\r\n <p>Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh.<\/p>\r\n\r\n <p>Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: <strong>INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT.<\/strong><\/p>\r\n\r\n <p>Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare.<\/h3>\r\n\r\n <p>N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet.<\/p>\r\n\r\n <p>Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: <em>\u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb<\/em><\/p>\r\n\r\n <p>Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin?<\/h3>\r\n\r\n <p>Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: <em>\u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d<\/em>? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde?<\/p>\r\n\r\n <p>N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve<\/h3>\r\n\r\n <p>Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse.<\/p>\r\n\r\n <p>Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi<\/h3>\r\n\r\n <p>Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit.<\/p>\r\n\r\n <p>Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: <strong>NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT.<\/strong><\/p>\r\n\r\n <p>Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% - 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla.<\/p>\r\n\r\n <p>Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore.<\/p>\r\n\r\n <div class=\"case-card p-6 rounded-xl my-8 shadow-md\">\r\n <p class=\"font-medium mb-0\">Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% - 62.5%<\/p>\r\n <\/div>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh<\/h3>\r\n\r\n <p>Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. <strong>Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit)<\/strong> parashikon se tregtar\u00ebt duhet t'u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet.<\/p>\r\n\r\n <p>Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Edhe informacioni i v\u00ebrtet\u00eb mund t\u00eb jet\u00eb \u00e7orientues<\/h3>\r\n\r\n <p>Kjo \u00ebsht\u00eb nj\u00eb pjes\u00eb shum\u00eb interesante e Ligjit p\u00ebr Mbrojtjen e Konsumator\u00ebve. <strong>Neni 14 (Praktika \u00e7orientuese)<\/strong> p\u00ebrcakton se nj\u00eb praktik\u00eb mund t\u00eb jet\u00eb \u00e7orientuese edhe kur informacioni \u00ebsht\u00eb faktikisht i v\u00ebrtet\u00eb, n\u00ebse m\u00ebnyra e paraqitjes mashtron ose mund t\u00eb mashtroj\u00eb konsumatorin dhe e shtyn t\u00eb marr\u00eb nj\u00eb vendim q\u00eb ndryshe nuk do ta kishte marr\u00eb.<\/p>\r\n\r\n <p>T\u00eb thuash: \u201cProna \u00ebsht\u00eb e siguruar nga zjarri\u201d mund t\u00eb jet\u00eb teknikisht e v\u00ebrtet\u00eb. Por n\u00ebse nuk i shpjegohet pronarit se prona \u00ebsht\u00eb siguruar vet\u00ebm p\u00ebr nj\u00eb pjes\u00eb t\u00eb vler\u00ebs, apo se inventari, malli dhe pajisjet nuk mbulohen, at\u00ebher\u00eb shtrohet pyetja juridike n\u00ebse konsumatori ka marr\u00eb informacionin real q\u00eb i nevojitej.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe ligji ka nj\u00eb em\u00ebr edhe p\u00ebr informacionin q\u00eb nuk t\u00eb jepet: \u201cinformacion i mang\u00ebt \u00e7orientues\u201d<\/h3>\r\n\r\n <p><strong>Neni 15 i Ligjit nr. 9902\/2008<\/strong> sqaron se nj\u00eb praktik\u00eb \u00ebsht\u00eb \u00e7orientuese edhe kur tregtari nuk jep informacionin q\u00eb i nevojitet konsumatorit mesatar p\u00ebr t\u00eb marr\u00eb nj\u00eb vendim t\u00eb informuar. Po k\u00ebshtu, informacioni konsiderohet i mang\u00ebt kur fshihet ose jepet n\u00eb m\u00ebnyr\u00eb t\u00eb paqart\u00eb, t\u00eb pakuptueshme, t\u00eb dykuptimt\u00eb ose t\u00eb parakohshme.<\/p>\r\n\r\n <p>Pra \u201cishte e shkruar diku n\u00eb polic\u00eb\u201d nuk e mbyll automatikisht debatin juridik. \u00c7\u00ebshtja \u00ebsht\u00eb: <strong>A \u00cbSHT\u00cb INFORMUAR REALISHT KONSUMATORI?<\/strong><\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Ligji i sigurimeve \u00ebsht\u00eb edhe m\u00eb specifik<\/h3>\r\n\r\n <p>Ligji nr. 52\/2014 \u201cP\u00ebr veprimtarin\u00eb e sigurimit dhe risigurimit\u201d vendos nj\u00eb regjim t\u00eb posa\u00e7\u00ebm informimi. <strong>Neni 63 (Detyrimi p\u00ebr informim p\u00ebrpara n\u00ebnshkrimit t\u00eb kontrat\u00ebs)<\/strong> p\u00ebrcakton se siguruesi dhe nd\u00ebrmjet\u00ebsi jan\u00eb t\u00eb detyruar q\u00eb p\u00ebrpara n\u00ebnshkrimit t'i japin konsumatorit me shkrim informacionin e nevojsh\u00ebm: rreziqet e mbuluara\/p\u00ebrjashtuara, primin, mbulimet baz\u00eb\/shtes\u00eb, m\u00ebnyr\u00ebn e d\u00ebmshp\u00ebrblimit dhe procedurat e ankimit.<\/p>\r\n\r\n <p>N\u00ebse po sigurohet vet\u00ebm nd\u00ebrtesa dhe jo inventari, ky nuk \u00ebsht\u00eb nj\u00eb detaj q\u00eb konsumatori duhet ta zbuloj\u00eb pas zjarrit. Duhet ta dij\u00eb para se t\u00eb paguaj\u00eb polic\u00ebn.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe k\u00ebtu ligji p\u00ebrdor vet\u00eb fjal\u00ebn \u201cmashtruese\u201d<\/h3>\r\n\r\n <p>Kjo \u00ebsht\u00eb arsyeja pse debati nuk duhet zbutur artificialisht. <strong>Neni 62 i Ligjit nr. 52\/2014<\/strong> parashikon pasojat kur siguruesi ose nd\u00ebrmjet\u00ebsi nuk p\u00ebrmbush detyrimin p\u00ebr informim ose jep informacion t\u00eb natyr\u00ebs mashtruese apo orientuese. N\u00ebse kjo ndikon n\u00eb vendimmarrjen e t\u00eb siguruarit, ligji i njeh t\u00eb drejt\u00ebn t\u00eb zgjidh\u00eb kontrat\u00ebn dhe t\u00eb k\u00ebrkoj\u00eb d\u00ebmshp\u00ebrblimin p\u00ebr d\u00ebmin e shkaktuar.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Po n\u00ebse ke nj\u00eb polic\u00eb t\u00ebnden?<\/h3>\r\n\r\n <p>Ke siguruar pron\u00ebn vet\u00eb. Polica \u00ebsht\u00eb aktive, siguruesi \u00ebsht\u00eb i licencuar, vlera mbulon rreziqet q\u00eb k\u00ebrkon banka. Dhe banka t\u00eb thot\u00eb: <em>\u201cNuk e pranojm\u00eb. Do t\u00eb b\u00ebjm\u00eb polic\u00ebn ton\u00eb.\u201d<\/em> Mos u mjafto me p\u00ebrgjigjen. Pyet: PSE? Cili kriter nuk plot\u00ebsohet? Cila klauzol\u00eb mungon? Pse nuk pranohet siguruesi? Dhe k\u00ebrkoje me shkrim.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Banka e Shqip\u00ebris\u00eb sot e thot\u00eb edhe m\u00eb qart\u00eb<\/h3>\r\n\r\n <p>Rregullorja nr. 48\/2015 e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u201cP\u00ebr kredin\u00eb konsumatore dhe kredin\u00eb hipotekare\u201d, n\u00eb versionin e integruar, p\u00ebrcakton n\u00eb <strong>Nenin 9\/4 (Paketat e agreguara dhe t\u00eb kombinuara)<\/strong> se banka duhet ta informoj\u00eb konsumatorin n\u00ebse konsumatori mund ta blej\u00eb produktin e sigurimit nga nj\u00eb ofrues i zgjedhur prej tij apo nga nj\u00eb ofrues i paracaktuar. Po i nj\u00ebjti nen p\u00ebrcakton: <em>\u201cBanka nuk mund t\u00eb ofroj\u00eb paketa t\u00eb kombinuara (tying practice) p\u00ebr konsumator\u00ebt.\u201d<\/em><\/p>\r\n\r\n <p>P\u00ebr m\u00eb tep\u00ebr, <strong>Neni 11 i Rregullores nr. 48\/2015<\/strong> parashikon se p\u00ebr kredin\u00eb hipotekare, banka duhet t'i paraqes\u00eb konsumatorit me shkrim informacionin standard parakontraktor dhe at\u00eb t\u00eb personalizuar P\u00cbRPARA kontrat\u00ebs.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Dhe Autoriteti i Konkurrenc\u00ebs nuk e ka ngritur k\u00ebt\u00eb problem vet\u00ebm nj\u00eb her\u00eb<\/h3>\r\n\r\n <p>Pas hetimeve t\u00eb viteve 2018\u20132019, n\u00eb n\u00ebntor 2024 Autoriteti i Konkurrenc\u00ebs hapi nj\u00eb tjet\u00ebr hetim me Vendimin nr. 1130, dat\u00eb 07.11.2024. N\u00eb mars 2025, me Vendimin nr. 1171, \u00e7\u00ebshtja kaloi n\u00eb HETIM T\u00cb THELLUAR p\u00ebr shkelje t\u00eb mundshme t\u00eb nenit 4 dhe\/ose 9 t\u00eb Ligjit nr. 9121\/2003 \u201cP\u00ebr mbrojtjen e konkurrenc\u00ebs\u201d.<\/p>\r\n\r\n <p>N\u00eb vitin 2025, Autoriteti u k\u00ebrkoi vet\u00eb kredimarr\u00ebsve t\u00eb raportonin rastet kur nuk u ishte dh\u00ebn\u00eb mund\u00ebsia t\u00eb zgjidhnin lirisht shoq\u00ebrin\u00eb e sigurimit ose kishin pasur pengesa t\u00eb imponuara nga bankat. Hetimi vijoi me nj\u00eb seri vendimesh n\u00eb shkurt dhe mars 2026 q\u00eb vendos\u00ebn kushte dhe detyrime ndaj bankave:<\/p>\r\n\r\n <ul>\r\n <li>Vendimi nr. 1261, dat\u00eb 20.02.2026 \u2013 UBA;<\/li>\r\n <li>Vendimi nr. 1264, dat\u00eb 20.02.2026 \u2013 Credins Bank;<\/li>\r\n <li>Vendimi nr. 1270, dat\u00eb 20.02.2026 \u2013 Tirana Bank;<\/li>\r\n <li>Vendimi nr. 1276, dat\u00eb 09.03.2026 \u2013 Intesa Sanpaolo Bank Albania.<\/li>\r\n <\/ul>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Po AMF?<\/h3>\r\n\r\n <p>Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) mbik\u00ebqyr tregun e sigurimeve. Rregullorja e AMF nr. 35, dat\u00eb 28.05.2015 parashikon procedur\u00ebn e shqyrtimit t\u00eb ankesave. Gjat\u00eb shqyrtimit AMF mund t\u00eb k\u00ebrkoj\u00eb dokumente, t\u00eb zhvilloj\u00eb takime dhe t\u00eb kryej\u00eb verifikime pran\u00eb shoq\u00ebris\u00eb s\u00eb sigurimit.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">B\u00cbJ NJ\u00cb PROV\u00cb SONTE<\/h3>\r\n\r\n <p>N\u00ebse ke kredi dhe pron\u00eb t\u00eb hipotekuar, gjej polic\u00ebn dhe p\u00ebrgjigju k\u00ebtyre pyetjeve:<\/p>\r\n\r\n <ul>\r\n <li>Sa vlen realisht prona ime kaj dhe p\u00ebr sa \u00ebsht\u00eb siguruar?<\/li>\r\n <li>A \u00ebsht\u00eb shuma e polic\u00ebs rast\u00ebsisht e af\u00ebrt me kredin\u00eb e mbetur?<\/li>\r\n <li>Kush e ka p\u00ebrcaktuar k\u00ebt\u00eb shum\u00eb dhe kush e zgjodhi kompanin\u00eb?<\/li>\r\n <li>\u00c7far\u00eb mbulon \u201czjarri\u201d? A mbulohen inventari, malli dhe pajisjet?<\/li>\r\n <li>Kush \u00ebsht\u00eb p\u00ebrfituesi i d\u00ebmshp\u00ebrblimit?<\/li>\r\n <li>N\u00ebse ke nj\u00eb polic\u00eb ekzistuese, pse nuk pranohet?<\/li>\r\n <\/ul>\r\n\r\n <p>Mos prano m\u00eb p\u00ebrgjigjen: <em>\u201cK\u00ebshtu e ka banka.\u201d<\/em> K\u00ebrko arsyet me shkrim. Mashtrimi m\u00eb i rreziksh\u00ebm \u00ebsht\u00eb t\u00eb mendosh se je i mbrojtur. Prandaj, hape polic\u00ebn sot!<\/p>\r\n\r\n <div class=\"mt-10 pt-6 border-t border-[var(--gold)]\/30 text-sm text-gray-600 italic\">\r\n <p class=\"font-bold text-[var(--brown-deep)] not-italic mb-1\">Petani Law & Tax<\/p>\r\n <p>Material juridik dhe sensibilizues mbi transparenc\u00ebn, sigurimin e kolateralit dhe t\u00eb drejtat e kredimarr\u00ebsve. P\u00ebr zbatimin n\u00eb nj\u00eb rast konkret duhet t\u00eb analizohen kontrata e kredis\u00eb, polica e sigurimit dhe statusi juridik i kredimarr\u00ebsit.<\/p>\r\n <\/div>\r\n <\/article>\r\n\r\n \r\n <article class=\"tp-lang-block tp-lang-en\">\r\n <h2 class=\"serif text-2xl md:text-3xl text-[var(--brown-deep)] mb-6 border-b border-[var(--gold)]\/20 pb-4 font-semibold\">Open your policy today. You might not be insured for what you think.<\/h2>\r\n \r\n <p class=\"drop-cap\">You took out a loan. The bank requested a property as collateral. Then it told you to insure it against fire, earthquake, and other risks. The policy was issued. The premium is paid. And you continued peacefully with the conviction: <strong>\"My property is insured.\"<\/strong><\/p>\r\n\r\n <p>Let me ask you just one question: <strong>FOR HOW MUCH?<\/strong><\/p>\r\n\r\n <p>If you don't know the answer today, this article is for you. Take your insurance policy. Find the section titled \"Sum Insured\". Then compare it to the actual market value of the property. You might discover something nobody explained when you signed for the loan: your property might be worth far more than the insured amount.<\/p>\r\n\r\n <p>And that brings up the question: If the property is mine, the risk is mine, and I pay the insurance premium, who decided how much it should be insured for? Me? Or the bank, looking primarily at the balance of its loan?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">A 1 million euro property. A 300 thousand euro loan. A 300 thousand euro insurance policy.<\/h3>\r\n\r\n <p>Let's make it simple. You have a property worth \u20ac1,000,000. You took a loan of \u20ac300,000. The property was pledged as collateral. The insurance policy was written for \u20ac300,000. The bank might be protected for its financial exposure. But what about you? You continue to hold a \u20ac1 million asset at risk.<\/p>\r\n\r\n <p>And this is precisely where a crucial distinction must be drawn: <strong>THE BANK'S INTEREST IS NOT THE SAME AS THE OWNER'S INTEREST.<\/strong><\/p>\r\n\r\n <p>The bank wants to protect its loan. The owner wants to protect the property. Both are legitimate interests, but they are not the same thing. When the owner pays the policy, they should clearly know which of these two interests they are financing.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">This is not hypothetical. The Competition Authority uncovered it in banking practices.<\/h3>\r\n\r\n <p>In Decision No. 585, dated 24.01.2019, the Competition Commission investigated the insurance intermediation market by second-tier banks. The analyzed market explicitly included life insurance and property insurance against fire and damages.<\/p>\r\n\r\n <p>One finding in the document is particularly revealing. For collateral insurance, the Authority found that premium rates were applied: <em>\u00abon the value of the property to be insured or on the value of the loan, based on the request made by the bank.\u00bb<\/em><\/p>\r\n\r\n <p>So the question: \"Is the property being insured, or the loan?\" is not rhetorical. It is an issue highlighted in official regulatory documents.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">The property is yours. You pay the premium. Who chooses the insurer?<\/h3>\r\n\r\n <p>The second question is just as simple. When you took out the loan, did anyone tell you: <em>\"Choose any insurance company you like, as long as the policy satisfies these objective criteria\"<\/em>? Were you presented with multiple quotes? Was the pricing explained? Or was a policy issued automatically and billed to your account?<\/p>\r\n\r\n <p>If the latter happened, you are not alone. The Competition Authority has raised concerns over these practices for years.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">In 2019, the Authority established restrictions on consumer choice<\/h3>\r\n\r\n <p>Decision No. 585\/2019 is remarkably detailed. Following its investigation, the Authority found that several banks lacked agreements with all licensed insurance companies, thereby \"restricting consumer choice\". For other institutions, it identified practices steering clients toward preferred insurers or brokering policies without proper licensing.<\/p>\r\n\r\n <p>The Commission didn't just note these issues; it imposed concrete binding obligations on banks to offer intermediation without restricting customer choice and recommended measures to the Financial Supervisory Authority (AFSA) regarding premium methodologies and licensing.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Even more interesting: Banks profit from the insurance paid by borrowers<\/h3>\r\n\r\n <p>There is another dimension consumers must understand. A bank isn't merely demanding insurance as a safeguard. When acting as a licensed broker, it earns brokerage commissions from insurance companies.<\/p>\r\n\r\n <p>In the 2019 investigation, the Competition Authority discovered that bank brokerage commissions ranged: <strong>FROM 20% TO 62.5% OF THE INSURANCE PREMIUM.<\/strong><\/p>\r\n\r\n <p>The Authority categorized these commissions as \"exceedingly high\" compared to standard 5%\u201310% commissions on other insurance products, determining that the absence of clear premium calculation methodologies rendered such commissions economically unjustified.<\/p>\r\n\r\n <div class=\"case-card p-6 rounded-xl my-8 shadow-md\">\r\n <p class=\"font-medium mb-0\">Decision 585\/2019 \u2022 Law No. 9902\/2008 \u2022 Law No. 52\/2014 \u2022 Bank of Albania Reg. 48\/2015 \u2022 Commissions 20% - 62.5%<\/p>\r\n <\/div>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">The Law guarantees your right to be informed<\/h3>\r\n\r\n <p>Law No. 9902, dated 17.04.2008, \"On Consumer Protection\", as amended, is clear. <strong>Article 7 (General Duty to Inform)<\/strong> mandates that traders provide full, accurate, and truthful information regarding services, including service characteristics, trading conditions, and underlying risks.<\/p>\r\n\r\n <p>Simply telling a customer \"You are insured\" is insufficient. You have the right to know: For how much? Covering what? With which company? At what cost? What is excluded?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Even truthful statements can be misleading<\/h3>\r\n\r\n <p><strong>Article 14 (Misleading Practices)<\/strong> of the Consumer Protection Law provides that a practice can be misleading even when information is factually correct, if its presentation deceives or is likely to deceive the average consumer, causing them to take a transactional decision they would not have taken otherwise.<\/p>\r\n\r\n <p>Stating \"The property is insured against fire\" might be technically true. But if it is omitted that coverage extends only to part of the structure's value, or excludes equipment and inventory, legal questions arise regarding misleading non-disclosure under <strong>Article 15<\/strong>.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Insurance regulatory framework establishes strict pre-contractual duties<\/h3>\r\n\r\n <p>Law No. 52\/2014 \"On Insurance and Reinsurance Activity\" creates a specialized disclosure regime. <strong>Article 63<\/strong> obliges insurers and brokers to provide written disclosures prior to contract signing detailing covered risks, exclusions, premiums, basic\/additional coverage, compensation methods, and dispute procedures.<\/p>\r\n\r\n <p>Furthermore, <strong>Article 62 of Law No. 52\/2014<\/strong> defines statutory remedies when misleading or incomplete information is provided, allowing insured parties to rescind the contract and seek damages.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">What if you already have your own policy?<\/h3>\r\n\r\n <p>If you insured the property independently with a licensed insurer, meeting all bank coverage criteria, and the bank refuses it stating: <em>\"We don't accept this policy, you must buy ours,\"<\/em> request the justification in writing. Ask which objective criterion or risk coverage is missing.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Bank of Albania regulatory prohibitions<\/h3>\r\n\r\n <p>Regulation No. 48\/2015 of the Bank of Albania \"On Consumer and Mortgage Loans\" explicitly mandates under <strong>Article 9\/4<\/strong> that banks inform consumers whether optional linked products can be purchased from an independent provider. Crucially, the regulation mandates: <em>\"Banks cannot engage in tying practices with consumers.\"<\/em><\/p>\r\n\r\n <p>Under <strong>Article 11<\/strong>, standard pre-contractual and personalized information for mortgage loans must be provided in writing BEFORE signing agreements.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Recent Competition Authority Enforcement Actions (2024\u20132026)<\/h3>\r\n\r\n <p>Enforcement efforts have continued actively. Following preliminary Decision No. 1130 (07.11.2024), the Competition Authority opened an in-depth investigation via Decision No. 1171 in March 2025 into credit-linked insurance practices under Articles 4 and 9 of Law No. 9121\/2003.<\/p>\r\n\r\n <p>In early 2026, the Competition Commission concluded proceedings by imposing binding conditions and obligations on multiple banking institutions:<\/p>\r\n\r\n <ul>\r\n <li>Decision No. 1261 (20.02.2026) \u2013 UBA;<\/li>\r\n <li>Decision No. 1264 (20.02.2026) \u2013 Credins Bank;<\/li>\r\n <li>Decision No. 1270 (20.02.2026) \u2013 Tirana Bank;<\/li>\r\n <li>Decision No. 1276 (09.03.2026) \u2013 Intesa Sanpaolo Bank Albania.<\/li>\r\n <\/ul>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Financial Supervisory Authority (AFSA) Complaints<\/h3>\r\n\r\n <p>The Financial Supervisory Authority (AFSA) oversees insurance markets. Under AFSA Regulation No. 35 (28.05.2015), formal complaint procedures exist allowing policyholders to challenge non-transparent or improper insurance practices directly with the regulator.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">TEST YOUR POLICY TONIGHT<\/h3>\r\n\r\n <p>If you have a loan secured by mortgaged property, pull out your policy and review these critical questions:<\/p>\r\n\r\n <ul>\r\n <li>What is the real value of my property versus the insured sum?<\/li>\r\n <li>Is the insured amount suspiciously identical to the remaining loan balance?<\/li>\r\n <li>Who determined the coverage amount and selected the insurer?<\/li>\r\n <li>What does \"fire risk\" actually cover? Are contents, equipment, or inventory included?<\/li>\r\n <li>Who is listed as the loss payee\/beneficiary?<\/li>\r\n <\/ul>\r\n\r\n <p>Don't accept \"That's just bank policy.\" Demand written explanations. The most dangerous assumption is believing you are fully covered when you are not. Check your policy today!<\/p>\r\n\r\n <div class=\"mt-10 pt-6 border-t border-[var(--gold)]\/30 text-sm text-gray-600 italic\">\r\n <p class=\"font-bold text-[var(--brown-deep)] not-italic mb-1\">Petani Law & Tax<\/p>\r\n <p>Legal and educational material regarding transparency, collateral insurance, and borrower rights. Concrete application requires analyzing specific loan contracts, insurance policies, and legal statuses.<\/p>\r\n <\/div>\r\n <\/article>\r\n\r\n \r\n <article class=\"tp-lang-block tp-lang-it\">\r\n <h2 class=\"serif text-2xl md:text-3xl text-[var(--brown-deep)] mb-6 border-b border-[var(--gold)]\/20 pb-4 font-semibold\">Apri la tua polizza oggi. Potresti non essere assicurato per ci\u00f2 che credi.<\/h2>\r\n \r\n <p class=\"drop-cap\">Hai stipulato un mutuo. La banca ha richiesto un immobile a garanzia. Successivamente ti ha chiesto di assicurarlo contro incendio, terremoto e altri rischi. La polizza \u00e8 creata. Il premio viene pagato. E hai proseguito con la convinzione: <strong>\"Il mio immobile \u00e8 assicurato.\"<\/strong><\/p>\r\n\r\n <p>Ti faccio una sola domanda: <strong>PER QUALE IMPORTO?<\/strong><\/p>\r\n\r\n <p>Se oggi non conosci la risposta, questo articolo fa per te. Prendi la tua polizza assicurativa. Cerca la voce \"Somma Assicurata\". Confrontala con il valore reale di mercato dell'immobile. Potresti scoprire che il tuo immobile vale molto di pi\u00f9 rispetto alla somma per cui \u00e8 stato assicurato.<\/p>\r\n\r\n <p>Chi ha deciso per quale importo assicurare il bene? Tu o la banca, guardando principalmente al saldo del proprio credito?<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Un immobile da 1 milione di euro. Un mutuo da 300 mila euro. Un'assicurazione da 300 mila euro.<\/h3>\r\n\r\n <p>Facciamo un esempio semplice. Possiedi un immobile del valore di 1.000.000 di euro. Hai ottenuto un prestito di 300.000 euro. L'immobile \u00e8 posto a garanzia. La polizza viene stipulata per 300.000 euro. La banca \u00e8 protetta per la sua esposizione finanziaria. Ma tu? Tu continui ad avere a rischio un patrimonio di 1 milione di euro.<\/p>\r\n\r\n <p><strong>L'INTERESSE DELLA BANCA NON COINCIDE CON L'INTERESSE DEL PROPRIETARIO.<\/strong> La banca vuole tutelare il credito; il proprietario vuole tutelare il bene. Entrambi sono interessi legittimi, ma non sono la stessa cosa.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Rilievi dell'Autorit\u00e0 della Concorrenza sulle pratiche bancarie<\/h3>\r\n\r\n <p>Nella Decisione n. 585 del 24.01.2019, la Commissione per la Concorrenza ha indagato sul mercato dell'intermediazione assicurativa da parte delle banche di secondo livello in Albania. L'Autorit\u00e0 ha riscontrato che i tassi di premio venivano applicati <em>\u00absul valore dell'immobile da assicurare o sul valore del credito, in base alla richiesta formulata dalla banca.\u00bb<\/em><\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Chi sceglie la compagnia di assicurazione?<\/h3>\r\n\r\n <p>Quando hai richiesto il mutuo, ti \u00e8 stata data la possibilit\u00e0 di scegliere liberamente la compagnia assicurativa a condizione che rispettasse criteri oggettivi? O la polizza \u00e8 stata emessa automaticamente addebitandone i costi sul tuo conto?<\/p>\r\n\r\n <p>Nella decisione del 2019, l'Autorit\u00e0 della Concorrenza ha evidenziato come diverse banche limitassero la scelta del consumatore orientando i clienti verso compagnie convenzionate o applicando provvigioni di intermediazione comprese <strong>DAL 20% AL 62,5% DEL PREMIO ASSICURATIVO<\/strong>, definite sproporzionate ed economicamente ingiustificate.<\/p>\r\n\r\n <div class=\"case-card p-6 rounded-xl my-8 shadow-md\">\r\n <p class=\"font-medium mb-0\">Decisione 585\/2019 \u2022 Legge N. 9902\/2008 \u2022 Legge N. 52\/2014 \u2022 Regolamento BSH 48\/2015 \u2022 Commissioni 20% - 62.5%<\/p>\r\n <\/div>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">I diritti di informazione e la tutela del consumatore<\/h3>\r\n\r\n <p>La Legge n. 9902\/2008 sulla Tutela dei Consumatori (Articoli 7, 14 e 15) stabilisce l'obbligo di fornire informazioni chiare, corrette e complete. Una pratica \u00e8 considerata ingannevole o omissiva quando non fornisce al consumatore medio le informazioni necessarie per assumere una decisione consapevole.<\/p>\r\n\r\n <p>La Legge n. 52\/2014 sulle Assicurazioni (Articoli 62 e 63) e la Regolamentazione della Banca d'Albania n. 48\/2015 (Articoli 9\/4 e 11) vietano espressamente le pratiche di vendita abbinata vincolante (tying practices), garantendo al mutuatario il diritto di scegliere autonomamente il proprio assicuratore.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">Interventi regolatori recenti (2024\u20132026)<\/h3>\r\n\r\n <p>A seguito dell'avvio di un'indagine approfondita nel 2024\u20132025, l'Autorit\u00e0 della Concorrenza ha adottato tra febbraio e marzo 2026 una serie di decisioni vincolanti nei confronti dei principali istituti bancari (Decisioni n. 1261, 1264, 1270, 1276 del 2026) per ripristinare la piena libert\u00e0 di scelta dei consumatori.<\/p>\r\n\r\n <h3 class=\"serif text-2xl font-bold text-[var(--brown-deep)] mt-8 mb-4\">VERIFICA LA TUA POLIZZA STASERA<\/h3>\r\n\r\n <p>Prendi la tua polizza ed esamina attentamente se il valore assicurato copre l'intero immobile o solo il debito residuo, quali garanzie ed esclusioni sono previste e chi \u00e8 indicato come beneficiario del risarcimento.<\/p>\r\n\r\n <p>Richiedi sempre motivazioni scritte alla banca in caso di rifiuto di polizze esterne. Non attendere che si verifichi un sinistro per scoprire le coperture reali.<\/p>\r\n\r\n <div class=\"mt-10 pt-6 border-t border-[var(--gold)]\/30 text-sm text-gray-600 italic\">\r\n <p class=\"font-bold text-[var(--brown-deep)] not-italic mb-1\">Petani Law & Tax<\/p>\r\n <p>Materiale giuridico e informativo su trasparenza, assicurazione delle garanzie reali e diritti dei mutuatari. La valutazione dei casi concreti richiede l'analisi dei singoli contratti di mutuo e delle polizze stipulate.<\/p>\r\n <\/div>\r\n <\/article>\r\n\r\n <\/main>\r\n\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & TaxHave a Loan & Pay Property Insurance? | Petani Law & TaxHai un Prestito e Paghi l’Assicurazione Immobilliare? | Petani Law & Tax E Drejt\u00eb Bankare & Mbrojtja e KonsumatoritBanking Law & Consumer ProtectionDiritto Bancario & Tutela del Consumatore Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?Have a Loan and Pay Property Insurance?Hai un Prestito e Paghi l’Assicurazione Immobilliare? Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon. Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: \u201cProna ime \u00ebsht\u00eb e siguruar.\u201d Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: P\u00cbR SA? N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar. Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj? Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro. Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh. Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT. Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon. Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare. N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet. Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: \u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs. Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin? Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: \u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde? N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh. N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse. Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019. Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit. Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT. Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% – 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla. Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore. Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% – 62.5% Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit) parashikon se tregtar\u00ebt duhet t’u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet. Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet? Edhe informacioni i v\u00ebrtet\u00eb mund t\u00eb jet\u00eb \u00e7orientues Kjo \u00ebsht\u00eb<\/p>","protected":false},"author":1,"featured_media":3637,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_thinkrank_schema_form_data":"","_thinkrank_selected_schema_type":"","_thinkrank_additional_schemas":"","_thinkrank_canonical_url":"","_thinkrank_og_title":"","_thinkrank_og_description":"","_thinkrank_og_image":"","_thinkrank_twitter_title":"","_thinkrank_twitter_description":"","_thinkrank_twitter_image":"","_thinkrank_imported_from":"","_thinkrank_focus_keywords":[],"_thinkrank_focus_keyword":"","_thinkrank_robots_meta_enabled":0,"_thinkrank_robots_meta":"[]","_thinkrank_advanced_robots_meta":"[]","_thinkrank_primary_category":0,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-4333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-petani-blog"],"yoast_head":"\n<title>Kredia dhe sigurimi i pron\u00ebs - Petani Law Firm<\/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:\/\/www.petani-lawfirm.com\/it\/kredia-dhe-sigurimi-i-prones\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredia dhe sigurimi i pron\u00ebs - Petani Law Firm\" \/>\n<meta property=\"og:description\" content=\"Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & TaxHave a Loan & Pay Property Insurance? | Petani Law & TaxHai un Prestito e Paghi l’Assicurazione Immobilliare? | Petani Law & Tax E Drejt\u00eb Bankare & Mbrojtja e KonsumatoritBanking Law & Consumer ProtectionDiritto Bancario & Tutela del Consumatore Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?Have a Loan and Pay Property Insurance?Hai un Prestito e Paghi l’Assicurazione Immobilliare? Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon. Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: \u201cProna ime \u00ebsht\u00eb e siguruar.\u201d Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: P\u00cbR SA? N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar. Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj? Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro. Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh. Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT. Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon. Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare. N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet. Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: \u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs. Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin? Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: \u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde? N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh. N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse. Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019. Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit. Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT. Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% – 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla. Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore. Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% – 62.5% Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit) parashikon se tregtar\u00ebt duhet t’u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet. Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet? 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Petani Law Firm","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.petani-lawfirm.com\/it\/kredia-dhe-sigurimi-i-prones\/","og_locale":"it_IT","og_type":"article","og_title":"Kredia dhe sigurimi i pron\u00ebs - Petani Law Firm","og_description":"Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law & TaxHave a Loan & Pay Property Insurance? | Petani Law & TaxHai un Prestito e Paghi l’Assicurazione Immobilliare? | Petani Law & Tax E Drejt\u00eb Bankare & Mbrojtja e KonsumatoritBanking Law & Consumer ProtectionDiritto Bancario & Tutela del Consumatore Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?Have a Loan and Pay Property Insurance?Hai un Prestito e Paghi l’Assicurazione Immobilliare? Hape polic\u00ebn sot. Mund t\u00eb mos jesh i siguruar p\u00ebr at\u00eb q\u00eb mendon. Ke marr\u00eb nj\u00eb kredi. Banka t\u00eb ka k\u00ebrkuar nj\u00eb pron\u00eb si kolateral. Pastaj t\u00eb ka th\u00ebn\u00eb se duhet ta sigurosh nga zjarri, t\u00ebrmeti dhe rreziqe t\u00eb tjera. Polica \u00ebsht\u00eb b\u00ebr\u00eb. Primi paguhet. Dhe ti ke vazhduar i qet\u00eb me bindjen: \u201cProna ime \u00ebsht\u00eb e siguruar.\u201d Po t\u00eb b\u00ebj vet\u00ebm nj\u00eb pyetje: P\u00cbR SA? N\u00ebse sot nuk e di p\u00ebrgjigjen, ky shkrim \u00ebsht\u00eb p\u00ebr ty. Merr polic\u00ebn e sigurimit. Gjej rubrik\u00ebn \u201cShuma e siguruar\u201d. Pastaj krahasoje me vler\u00ebn reale t\u00eb pron\u00ebs. Mund t\u00eb zbulosh di\u00e7ka q\u00eb ndoshta askush nuk ta ka shpjeguar kur ke marr\u00eb kredin\u00eb: prona jote mund t\u00eb vlej\u00eb shum\u00eb m\u00eb tep\u00ebr se shuma p\u00ebr t\u00eb cilit \u00ebsht\u00eb siguruar. Dhe at\u00ebher\u00eb lind pyetja: N\u00ebse prona \u00ebsht\u00eb e imja, risku \u00ebsht\u00eb imi dhe sigurimin e paguaj un\u00eb, kush vendosi p\u00ebr sa duhet t\u00eb sigurohet? Un\u00eb? Apo banka, duke par\u00eb kryesisht vler\u00ebn e kredis\u00eb s\u00eb saj? Nj\u00eb pron\u00eb 1 milion euro. Nj\u00eb kredi 300 mij\u00eb euro. Nj\u00eb sigurim 300 mij\u00eb euro. Le ta b\u00ebjm\u00eb fare t\u00eb thjesht\u00eb. Ke nj\u00eb pron\u00eb q\u00eb vlen 1,000,000 euro. Ke marr\u00eb kredi 300,000 euro. Prona \u00ebsht\u00eb vendosur kolateral. Polica e sigurimit \u00ebsht\u00eb b\u00ebr\u00eb p\u00ebr 300,000 euro. Banka mund t\u00eb jet\u00eb e mbrojtur p\u00ebr ekspozimin e saj. Po ti? Ti vazhdon t\u00eb kesh n\u00eb risk nj\u00eb pasuri prej 1 milion eurosh. Dhe pik\u00ebrisht k\u00ebtu duhet t\u00eb ndahet nj\u00eb koncept q\u00eb shum\u00eb kredimarr\u00ebs mund t\u00eb mos e ken\u00eb menduar kurr\u00eb: INTERESI I BANK\u00cbS NUK \u00cbSHT\u00cb I NJ\u00cbJT\u00cb ME INTERESIN E PRONARIT. Banka d\u00ebshiron t\u00eb mbroj\u00eb kredin\u00eb. Pronari d\u00ebshiron t\u00eb mbroj\u00eb pron\u00ebn. T\u00eb dyja jan\u00eb interesa legjitime. Por nuk jan\u00eb e nj\u00ebjta gj\u00eb. Dhe kur polic\u00ebn e paguan pronari, ai duhet t\u00eb dij\u00eb qart\u00eb cilin prej k\u00ebtyre dy interesave po financon. Dhe kjo nuk \u00ebsht\u00eb nj\u00eb hipotez\u00eb. Autoriteti i Konkurrenc\u00ebs e ka gjetur n\u00eb praktik\u00ebn bankare. N\u00eb Vendimin nr. 585, dat\u00eb 24.01.2019, Komisioni i Konkurrenc\u00ebs hetoi pik\u00ebrisht tregun e nd\u00ebrmjet\u00ebsimit t\u00eb sigurimeve nga bankat e nivelit t\u00eb dyt\u00eb. Tregu i analizuar p\u00ebrfshinte shprehimisht: sigurimin e jet\u00ebs dhe sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet. Dhe nj\u00eb nga konstatimet n\u00eb dokument \u00ebsht\u00eb ve\u00e7an\u00ebrisht dometh\u00ebn\u00ebs. P\u00ebr sigurimin e kolateralit, Autoriteti konstatoi se tarifat e primit aplikoheshin: \u00abmbi vler\u00ebn e objektit q\u00eb do t\u00eb sigurohej ose mbi vler\u00ebn e kredis\u00eb, n\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs s\u00eb b\u00ebr\u00eb nga banka.\u00bb Pra pyetja: \u201cPo sigurohet prona apo kredia?\u201d nuk \u00ebsht\u00eb nj\u00eb pyetje retorike. \u00cbsht\u00eb nj\u00eb problem q\u00eb del nga dokumentet zyrtare t\u00eb vet\u00eb Autoritetit t\u00eb Konkurrenc\u00ebs. Prona \u00ebsht\u00eb e jotja. Primin e paguan ti. Kush e zgjedh siguruesin? Pyetja e dyt\u00eb \u00ebsht\u00eb po aq e thjesht\u00eb. Kur ke marr\u00eb kredin\u00eb, a t\u00eb ka th\u00ebn\u00eb dikush: \u201cZgjidhni shoq\u00ebrin\u00eb e sigurimit q\u00eb d\u00ebshironi, me kusht q\u00eb polica t\u00eb plot\u00ebsoj\u00eb k\u00ebto kritere\u201d? A t\u00eb jan\u00eb dh\u00ebn\u00eb disa oferta? A t\u00eb \u00ebsht\u00eb treguar \u00e7mimi i secil\u00ebs? A t\u00eb \u00ebsht\u00eb shpjeguar se mund t\u00eb paraqes\u00ebsh nj\u00eb polic\u00eb t\u00ebnden? Apo thjesht \u00ebsht\u00eb prer\u00eb nj\u00eb polic\u00eb dhe kostoja \u00ebsht\u00eb kaluar n\u00eb llogarin\u00eb t\u00ebnde? N\u00ebse ka ndodhur e dyta, nuk je i vetmi q\u00eb duhet ta b\u00ebsh k\u00ebt\u00eb pyetje. Sepse Autoriteti i Konkurrenc\u00ebs e ka ngritur k\u00ebt\u00eb problem prej vitesh. N\u00eb vitin 2019 Autoriteti konstatoi kufizim t\u00eb zgjedhjes s\u00eb klient\u00ebve Vendimi nr. 585\/2019 \u00ebsht\u00eb jasht\u00ebzakonisht interesant. Pas hetimit, Autoriteti konstatoi nd\u00ebr t\u00eb tjera se disa banka nuk kishin marr\u00ebveshje me t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit p\u00ebr sigurimin e pron\u00ebs nga zjarri dhe d\u00ebmtimet, \u201cduke kufizuar mund\u00ebsin\u00eb e zgjedhjes nga konsumatori\u201d. P\u00ebr nj\u00eb bank\u00eb tjet\u00ebr konstatoi orientim t\u00eb klient\u00ebve drejt nj\u00eb shoq\u00ebrie t\u00eb caktuar sigurimi. P\u00ebr nj\u00eb tjet\u00ebr konstatoi nd\u00ebrmjet\u00ebsim t\u00eb sigurimit t\u00eb pron\u00ebs pa licenc\u00ebn perkat\u00ebse. Dhe Komisioni nuk u mjaftua me konstatimin. Vendosi detyrime konkrete q\u00eb bankat t\u00eb ofronin nd\u00ebrmjet\u00ebsimin pa kufizuar mund\u00ebsin\u00eb e zgjedhjes s\u00eb klient\u00ebve, si dhe rekomandoi AMF-n\u00eb t\u00eb merrte masa p\u00ebr licencimin dhe metodologjin\u00eb e primeve. Tregu duhej t\u00eb monitorohej edhe p\u00ebr nj\u00eb vit pas vendimit. Pra k\u00ebt\u00eb debat institucionet shqiptare e kan\u00eb b\u00ebr\u00eb t\u00eb pakt\u00ebn q\u00eb n\u00eb vitin 2019. Edhe m\u00eb interesant: bankat fitojn\u00eb nga sigurimi q\u00eb paguan kredimarr\u00ebsi Ka edhe nj\u00eb aspekt tjet\u00ebr q\u00eb qytetari duhet ta dij\u00eb. Banka nuk \u00ebsht\u00eb domosdoshm\u00ebrisht vet\u00ebm institucioni q\u00eb k\u00ebrkon sigurimin. N\u00ebse vepron si nd\u00ebrmjet\u00ebs i licencuar, mund t\u00eb p\u00ebrfitoj\u00eb komision brokerimi nga shoq\u00ebria e sigurimit. Dhe k\u00ebtu dokumentet zyrtare jan\u00eb shum\u00eb interesante. N\u00eb hetimin e vitit 2019, Autoriteti i Konkurrenc\u00ebs konstatoi se komisionet e brokerimit t\u00eb bankave t\u00eb analizuara varionin: NGA 20% DERI N\u00cb 62.5% T\u00cb PRIMIT T\u00cb SIGURIMIT. Autoriteti i cil\u00ebsoi k\u00ebto komisione \u201cshum\u00eb t\u00eb larta\u201d, duke i krahasuar me komisione prej 5% – 10% n\u00eb produkte t\u00eb tjera sigurimi, dhe vler\u00ebsoi se mungesa e metodologjis\u00eb s\u00eb llogaritjes s\u00eb primit i b\u00ebnte ekonomikisht t\u00eb pajustifikueshme komisione t\u00eb tilla. Tani pyetja b\u00ebhet edhe m\u00eb interesante: Kush e paguan primin? Kredimarr\u00ebsi. Kush mund t\u00eb p\u00ebrfitoj\u00eb komision nga shitja e polic\u00ebs? Nd\u00ebrmjet\u00ebsi. At\u00ebher\u00eb transparenca dhe liria e zgjedhjes nuk jan\u00eb m\u00eb \u00e7\u00ebshtje formale. Jan\u00eb thelb\u00ebsore. Vendimi 585\/2019 \u2022 Ligji Nr. 9902\/2008 \u2022 Ligji Nr. 52\/2014 \u2022 Rregullorja BSH 48\/2015 \u2022 Komisionet 20% – 62.5% Ligji thot\u00eb se ti ke t\u00eb drejt\u00eb t\u00eb informohesh Ligji nr. 9902, dat\u00eb 17.04.2008, \u201cP\u00ebr mbrojtjen e konsumator\u00ebve\u201d, i ndryshuar, \u00ebsht\u00eb shum\u00eb i qart\u00eb. Neni 7 (Detyrimi i p\u00ebrgjithsh\u00ebm i informimit) parashikon se tregtar\u00ebt duhet t’u japin konsumator\u00ebve t\u00eb dh\u00ebna t\u00eb plota dhe t\u00eb sakta p\u00ebr mallrat dhe sh\u00ebrbimet. Ligji k\u00ebrkon q\u00eb informacioni t\u00eb jet\u00eb i v\u00ebrtet\u00eb, i sakt\u00eb dhe i qart\u00eb, si dhe t\u00eb p\u00ebrfshij\u00eb karakteristikat e sh\u00ebrbimit, kushtet e tregtimit dhe rreziqet. Pra nuk mjafton: \u201cJe i siguruar.\u201d Duhet t\u00eb dish: P\u00ebr sa? P\u00ebr \u00e7far\u00eb? Me cil\u00ebn kompani? Sa kushton? \u00c7far\u00eb p\u00ebrjashtohet? Edhe informacioni i v\u00ebrtet\u00eb mund t\u00eb jet\u00eb \u00e7orientues Kjo \u00ebsht\u00eb","og_url":"https:\/\/www.petani-lawfirm.com\/it\/kredia-dhe-sigurimi-i-prones\/","og_site_name":"Petani Law Firm","article_published_time":"2026-08-28T04:51:51+00:00","article_modified_time":"2026-08-28T04:52:44+00:00","og_image":[{"width":2560,"height":2560,"url":"https:\/\/www.petani-lawfirm.com\/wp-content\/uploads\/2026\/04\/case-studies-petani-scaled.webp","type":"image\/webp"}],"author":"Stafi","twitter_card":"summary_large_image","twitter_misc":{"Scritto da":"Stafi","Tempo di lettura stimato":"17 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/#article","isPartOf":{"@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/"},"author":{"name":"Stafi","@id":"https:\/\/www.petani-lawfirm.com\/sq\/#\/schema\/person\/6dde4e6d9a37ed818d90e2333ea4df90"},"headline":"Kredia dhe sigurimi i pron\u00ebs","datePublished":"2026-08-28T04:51:51+00:00","dateModified":"2026-08-28T04:52:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/"},"wordCount":3914,"commentCount":0,"publisher":{"@id":"https:\/\/www.petani-lawfirm.com\/sq\/#organization"},"image":{"@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/#primaryimage"},"thumbnailUrl":"https:\/\/www.petani-lawfirm.com\/wp-content\/uploads\/2026\/04\/case-studies-petani-scaled.webp","articleSection":["Petani Blog"],"inLanguage":"it-IT","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/","url":"https:\/\/www.petani-lawfirm.com\/kredia-dhe-sigurimi-i-prones\/","name":"Kredia dhe sigurimi i pron\u00ebs - 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