{"id":16164,"date":"2019-08-29T09:12:55","date_gmt":"2019-08-29T07:12:55","guid":{"rendered":"http:\/\/redaktori.com\/?p=16164"},"modified":"2019-08-29T09:14:21","modified_gmt":"2019-08-29T07:14:21","slug":"drama-pas-overdraftit-ose-borxhit-malinje","status":"publish","type":"post","link":"https:\/\/redaktori.com\/?p=16164","title":{"rendered":"Drama pas overdraftit ose borxhit \u2018malinj\u00eb\u2019"},"content":{"rendered":"

Nga Klodian Tomorri<\/strong><\/p>\n

\u00cbsht\u00eb fundi i muajit. Llogaria jote bankare \u00ebsht\u00eb me t\u00eb kuqe. Por ti ke nevoj\u00eb p\u00ebr para p\u00ebr t\u00eb financuar disa shpenzime ekstra. Mendon gjat\u00eb dhe n\u00eb fund e gjen zgjidhjen. Borxhi.<\/p>\n

Shkon me vrap n\u00eb bank\u00eb. N\u00eb sportel t\u00eb pret oficerja e kredis\u00eb. Ajo nis t\u00eb t\u00eb shpjegoj\u00eb procedurat se si merret overdrafti dhe letrat q\u00eb duhet t\u00eb firmos\u00ebsh.<\/p>\n

Duket zgjidhje josh\u00ebse. Por sapo hedh firm\u00ebn, ky \u00ebsht\u00eb sinjali i par\u00eb se jeta jote ka filluar t\u00eb marr\u00eb t\u00eb tat\u00ebpjet\u00ebn.<\/p>\n

\n
<\/div>\n<\/div>\n

Borxhi nuk \u00ebsht\u00eb asnj\u00ebher\u00eb i mir\u00eb. Por disa lloje borxhi jan\u00eb edhe m\u00eb malinj\u00eb. Overdrafti dhe kredia konsumatore jan\u00eb dy nder to.<\/p>\n

Kur merr overdraft ose borxh p\u00ebr konsum do t\u00eb thot\u00eb se t\u00eb ardhurat e tua nuk mjaftojn\u00eb m\u00eb p\u00ebr t\u00eb financuar shpenzimet e p\u00ebrditshme.
\nTermi ekzotik, q\u00eb ekonomist\u00ebt p\u00ebrdorin p\u00ebr t\u00eb p\u00ebrshkruar k\u00ebt\u00eb situat\u00eb \u00ebsht\u00eb defi\u00e7iti primar.
\nP\u00ebr ta th\u00ebn\u00eb shkurt, po jeton p\u00ebrtej mund\u00ebsive t\u00eb tua. Kriza financiare nuk \u00ebsht\u00eb e p\u00ebrkohshme, por strukturore.<\/p>\n

Por ajo q\u00eb duket si zgjidhje, p\u00ebr t\u00eb kaluar k\u00ebt\u00eb situat\u00eb, pra borxhi, vet\u00ebm sa e r\u00ebndon m\u00eb keq problemin. Borxhi ka kosto, t\u00eb cilat r\u00ebndojn\u00eb edhe m\u00eb tej gjendjen e v\u00ebshtir\u00eb duke rritur hendekun mes t\u00eb ardhurave dhe shpenzimeve.<\/p>\n

Nj\u00eb individ ose familje me defi\u00e7it primar ka vet\u00ebm dy zgjidhje p\u00ebr t\u00eb dal\u00eb nga kriza. E para \u00ebsht\u00eb rritja e t\u00eb ardhurave. N\u00ebse kjo d\u00ebshton, at\u00ebher\u00eb i gjith\u00eb konsolidimi duhet t\u00eb bjer\u00eb n\u00eb krahun e shpenzimeve. T\u00eb duhet t\u00eb shkurtosh shpenzimet, ku t\u00eb mundesh. Por n\u00ebse konsumi yt \u00ebsht\u00eb n\u00eb nivel mbijetese dhe nuk mund t\u00eb shkurtosh dot m\u00eb asgj\u00eb, at\u00ebher\u00eb ekuacioni nuk ka asnj\u00eb zgjidhje.<\/p>\n

\u00cbilkins Mica\u00ebber, personazhi simpatik n\u00eb novel\u00ebn David Copperfield t\u00eb Charles Dickens ka nj\u00eb shprehje t\u00eb famshme: \u201cKur shpenzimet tejkalojn\u00eb t\u00eb ardhurat, rezultati \u00ebsht\u00eb mjerimi.\u201d<\/p>\n

Her\u00ebn e par\u00eb q\u00eb kam lexuar Dickens, m\u2019u kujtua nj\u00eb episod me gjyshin tim t\u00eb ndjer\u00eb. \u201cKurr\u00eb mos i shpenzo t\u00eb gjitha ato q\u00eb fiton – m\u00eb thoshte.- Mundohu t\u00eb kursesh qoft\u00eb edhe sadopak.\u201d<\/p>\n

Gjyshi im nuk kishte doktoratur\u00eb n\u00eb ekonomi. Madje as shkoll\u00ebn e mesme nuk kishte arritur ta b\u00ebnte sepse ajo ishte Shqip\u00ebria e asaj kohe. Por ai m\u00eb ka m\u00ebsuar ndoshta nj\u00eb nga leksionet m\u00eb t\u00eb r\u00ebnd\u00ebsishme t\u00eb financave. Nj\u00eb leksion t\u00eb cilin m\u00eb von\u00eb do ta ndeshja n\u00eb bankat e universitetit. Mbaji k\u00ebmb\u00ebt gjithmon\u00eb brenda jorganit. N\u00eb t\u00eb kund\u00ebrt\u00ebn, rezultati \u00ebsht\u00eb mjerim. Dhe overdrafti \u00ebsht\u00eb hapi i par\u00eb drejt gijotin\u00ebs financiare.<\/p>\n

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

Nga Klodian Tomorri \u00cbsht\u00eb fundi i muajit. Llogaria jote bankare \u00ebsht\u00eb me t\u00eb kuqe. Por ti ke nevoj\u00eb p\u00ebr para p\u00ebr t\u00eb financuar disa shpenzime ekstra. Mendon gjat\u00eb dhe n\u00eb fund e gjen zgjidhjen. Borxhi. Shkon me vrap n\u00eb bank\u00eb. N\u00eb sportel t\u00eb pret oficerja e kredis\u00eb. Ajo nis t\u00eb t\u00eb shpjegoj\u00eb procedurat se si […]<\/p>\n","protected":false},"author":1,"featured_media":1494,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[9,4],"tags":[],"yoast_head":"\nDrama pas overdraftit ose borxhit \u2018malinj\u00eb\u2019 - Informohu qart\u00ebsisht!<\/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:\/\/redaktori.com\/?p=16164\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Drama pas overdraftit ose borxhit \u2018malinj\u00eb\u2019 - Informohu qart\u00ebsisht!\" \/>\n<meta property=\"og:description\" content=\"Nga Klodian Tomorri \u00cbsht\u00eb fundi i muajit. Llogaria jote bankare \u00ebsht\u00eb me t\u00eb kuqe. Por ti ke nevoj\u00eb p\u00ebr para p\u00ebr t\u00eb financuar disa shpenzime ekstra. Mendon gjat\u00eb dhe n\u00eb fund e gjen zgjidhjen. Borxhi. Shkon me vrap n\u00eb bank\u00eb. N\u00eb sportel t\u00eb pret oficerja e kredis\u00eb. 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