{"id":353,"date":"2023-06-19T23:12:12","date_gmt":"2023-06-19T23:12:12","guid":{"rendered":"https:\/\/site.showvegasrealty.com\/?p=353"},"modified":"2025-08-08T02:49:25","modified_gmt":"2025-08-08T09:49:25","slug":"saving-down-payment-heres-what-you-need-know","status":"publish","type":"post","link":"https:\/\/www.showvegasrealty.com\/sq\/saving-down-payment-heres-what-you-need-know\/","title":{"rendered":"Po kurseni p\u00ebr nj\u00eb pages\u00eb fillestare? Ja \u00e7far\u00eb duhet t\u00eb dini."},"content":{"rendered":"

N\u00ebse planifikoni t\u00eb blini tuajin\u00a0sht\u00ebpia e par\u00eb<\/a>, at\u00ebher\u00eb ndoshta jeni t\u00eb p\u00ebrqendruar n\u00eb kursimin p\u00ebr t\u00eb gjitha kostot e p\u00ebrfshira n\u00eb nj\u00eb blerje kaq t\u00eb madhe. Nj\u00eb nga shpenzimet q\u00eb mund t\u00eb jet\u00eb n\u00eb mendjen tuaj \u00ebsht\u00eb pagesa fillestare. N\u00ebse keni frik\u00eb se sa duhet t\u00eb kurseni p\u00ebr k\u00ebt\u00eb, kjo mund t\u00eb jet\u00eb sepse besoni se duhet ta lini m\u00ebnjan\u00eb 20%. Kjo nuk duhet domosdoshm\u00ebrisht t\u00eb jet\u00eb rasti. Meqen\u00ebse\u00a0Shoqata Komb\u00ebtare e Agjent\u00ebve t\u00eb Pasurive t\u00eb Patundshme<\/em>\u00a0(NAR)\u00a0sh\u00ebnime<\/a>:<\/p>\n

\u201cNj\u00eb nga keqkuptimet m\u00eb t\u00eb m\u00ebdha midis konsumator\u00ebve t\u00eb banesave \u00ebsht\u00eb se cila \u00ebsht\u00eb pagesa tipike fillestare dhe cila \u00ebsht\u00eb shuma e nevojshme p\u00ebr t\u00eb hyr\u00eb n\u00eb pron\u00ebsi t\u00eb nj\u00eb sht\u00ebpie.<\/em>."\u201d<\/p><\/blockquote>\n

Dhe nj\u00eb koh\u00ebt e fundit\u00a0Freddie Mac\u00a0<\/em>studim\u00a0gjen<\/a>:<\/p>\n

\u201c. ... gati nj\u00eb e treta e bler\u00ebsve t\u00eb mundsh\u00ebm t\u00eb sht\u00ebpive mendojn\u00eb se u duhet nj\u00eb pages\u00eb fillestare prej 20% ose m\u00eb shum\u00eb p\u00ebr t\u00eb bler\u00eb nj\u00eb sht\u00ebpi. Ky mit mbetet nj\u00eb nga pengesat m\u00eb t\u00eb m\u00ebdha t\u00eb perceptuara p\u00ebr arritjen e pron\u00ebsis\u00eb s\u00eb nj\u00eb sht\u00ebpie.<\/em>."\u201d<\/p><\/blockquote>\n

Ja lajmi i mir\u00eb. N\u00ebse nuk p\u00ebrcaktohet ndryshe nga lloji i kredis\u00eb ose huadh\u00ebn\u00ebsi juaj, zakonisht nuk k\u00ebrkohet t\u00eb paguani 20%. Kjo do t\u00eb thot\u00eb q\u00eb mund t\u00eb jeni m\u00eb af\u00ebr \u00ebndrr\u00ebs suaj p\u00ebr blerjen e sht\u00ebpis\u00eb nga sa mendoni.<\/strong><\/p>\n

Sipas NAR-it,\u00a0pagesa mesatare fillestare<\/a>\u00a0nuk ka qen\u00eb mbi 20% q\u00eb nga viti 2005. N\u00eb fakt, pagesa mesatare fillestare p\u00ebr t\u00eb gjith\u00eb bler\u00ebsit e sht\u00ebpive sot \u00ebsht\u00eb vet\u00ebm 14%. Dhe \u00ebsht\u00eb edhe m\u00eb e ul\u00ebt p\u00ebr bler\u00ebsit e sht\u00ebpive p\u00ebr her\u00eb t\u00eb par\u00eb, vet\u00ebm 6% (shih grafikun m\u00eb posht\u00eb<\/em>):<\/p>\n

\"\"<\/p>\n

 <\/p>\n

\u00c7far\u00eb do t\u00eb thot\u00eb kjo p\u00ebr ju? Do t\u00eb thot\u00eb q\u00eb mund t\u00eb mos keni nevoj\u00eb t\u00eb kurseni aq sa mendonit fillimisht.<\/p>\n

M\u00ebsoni rreth opsioneve q\u00eb mund t'ju ndihmojn\u00eb drejt q\u00ebllimit tuaj<\/strong><\/h4>\n

Dhe nuk \u00ebsht\u00eb vet\u00ebm shuma q\u00eb ju nevojitet p\u00ebr pages\u00ebn fillestare q\u00eb nuk \u00ebsht\u00eb e qart\u00eb. Ekzistojn\u00eb edhe keqkuptime n\u00eb lidhje me programet e ndihm\u00ebs p\u00ebr pages\u00ebn fillestare. P\u00ebr fillestar\u00ebt, shum\u00eb njer\u00ebz besojn\u00eb se ndihma \u00ebsht\u00eb e disponueshme vet\u00ebm p\u00ebr bler\u00ebsit e sht\u00ebpive p\u00ebr her\u00eb t\u00eb par\u00eb. Nd\u00ebrsa bler\u00ebsit e sht\u00ebpive p\u00ebr her\u00eb t\u00eb par\u00eb kan\u00eb shum\u00eb mund\u00ebsi p\u00ebr t\u00eb eksploruar, bler\u00ebsit e p\u00ebrs\u00ebritur kan\u00eb gjithashtu disa.<\/p>\n

Sipas\u00a0Burimi i Pages\u00ebs Paraprake<\/em><\/a>, n\u00eb SHBA ka mbi 2,000 programe ndihme p\u00ebr bler\u00ebsit e sht\u00ebpive dhe shumica kan\u00eb p\u00ebr q\u00ebllim t\u00eb ndihmojn\u00eb me pagesat fillestare. I nj\u00ebjti burim vazhdon duke th\u00ebn\u00eb:<\/p>\n

\u201cNuk \u00ebsht\u00eb e th\u00ebn\u00eb t\u00eb jesh bler\u00ebs p\u00ebr her\u00eb t\u00eb par\u00eb. Mbi 38% e t\u00eb gjitha programeve jan\u00eb p\u00ebr bler\u00ebs t\u00eb p\u00ebrs\u00ebritur sht\u00ebpish q\u00eb kan\u00eb pasur n\u00eb pron\u00ebsi nj\u00eb sht\u00ebpi n\u00eb 3 vitet e fundit.<\/em>\u201d"\u201d<\/p><\/blockquote>\n

Plus, ekzistojn\u00eb edhe lloje t\u00eb kredive, si p.sh.\u00a0Kredit\u00eb FHA<\/a>\u00a0me pagesa fillestare aq t\u00eb ul\u00ebta sa\u00a03.5%<\/a>\u00a0si dhe opsione t\u00eb tilla si\u00a0Kredit\u00eb e VA-s\u00eb<\/a>\u00a0dhe\u00a0Kredit\u00eb e USDA-s\u00eb<\/a>\u00a0pa k\u00ebrkesa p\u00ebr pages\u00eb paraprake p\u00ebr aplikant\u00ebt e kualifikuar.<\/p>\n

N\u00ebse jeni t\u00eb interesuar t\u00eb m\u00ebsoni m\u00eb shum\u00eb rreth programeve t\u00eb ndihm\u00ebs p\u00ebr pagesat fillestare, informacioni \u00ebsht\u00eb i disponuesh\u00ebm p\u00ebrmes faqeve t\u00eb internetit si\u00a0Burimi i Pages\u00ebs Paraprake<\/em><\/a>. Pastaj, bashk\u00ebpunoni me nj\u00eb huadh\u00ebn\u00ebs t\u00eb besuesh\u00ebm p\u00ebr t\u00eb m\u00ebsuar se p\u00ebr \u00e7far\u00eb kualifikoheni n\u00eb\u00a0blerje sht\u00ebpie<\/a>\u00a0udh\u00ebtim.<\/p>\n

N\u00eb fund t\u00eb fundit<\/h3>\n

Mos harroni, nj\u00eb pages\u00eb fillestare 20% nuk k\u00ebrkohet gjithmon\u00eb. N\u00ebse doni t\u00eb blini nj\u00eb sht\u00ebpi k\u00ebt\u00eb vit, le t\u00eb lidhemi p\u00ebr t\u00eb filluar bised\u00ebn rreth q\u00ebllimeve tuaja p\u00ebr blerjen e sht\u00ebpis\u00eb.<\/p>","protected":false},"excerpt":{"rendered":"

If you’re planning to buy your\u00a0first home, then you’re probably focused on saving for all the costs involved in such a big purchase. One of the expenses that may be at the top of your mind is your down payment. If you\u2019re intimidated by how much you need to save for that, it may be […]<\/p>\n","protected":false},"author":7,"featured_media":354,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-updates"],"_links":{"self":[{"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/posts\/353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/comments?post=353"}],"version-history":[{"count":0,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/posts\/353\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/media\/354"}],"wp:attachment":[{"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/media?parent=353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/categories?post=353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/tags?post=353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}