{"version":"1.0","provider_name":"Petani Law Firm","provider_url":"https:\/\/www.petani-lawfirm.com\/sq","title":"Kredia dhe sigurimi i pron\u00ebs - Petani Law Firm","type":"rich","width":600,"height":338,"html":"<blockquote class=\"wp-embedded-content\" data-secret=\"4vL1u6bQWz\"><a href=\"https:\/\/www.petani-lawfirm.com\/sq\/kredia-dhe-sigurimi-i-prones\/\">Kredia dhe sigurimi i pron\u00ebs<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/www.petani-lawfirm.com\/sq\/kredia-dhe-sigurimi-i-prones\/embed\/#?secret=4vL1u6bQWz\" width=\"600\" height=\"338\" title=\"\u201cKredia dhe sigurimi i pron\u00ebs\u201d &#8212; Petani Law Firm\" data-secret=\"4vL1u6bQWz\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/www.petani-lawfirm.com\/wp-includes\/js\/wp-embed.min.js\n<\/script>","thumbnail_url":"https:\/\/www.petani-lawfirm.com\/wp-content\/uploads\/2026\/04\/case-studies-petani-scaled.webp","thumbnail_width":2560,"thumbnail_height":2560,"description":"Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs? | Petani Law &#038; TaxHave a Loan &#038; Pay Property Insurance? | Petani Law &#038; TaxHai un Prestito e Paghi l&#8217;Assicurazione Immobilliare? | Petani Law &#038; Tax E Drejt\u00eb Bankare &#038; Mbrojtja e KonsumatoritBanking Law &#038; Consumer ProtectionDiritto Bancario &#038; Tutela del Consumatore Ke Kredi Dhe Paguan Sigurimin e Pron\u00ebs?Have a Loan and Pay Property Insurance?Hai un Prestito e Paghi l&#8217;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% &#8211; 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% &#8211; 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&#8217;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"}