{"id":383,"date":"2023-05-02T13:29:27","date_gmt":"2023-05-02T13:29:27","guid":{"rendered":"https:\/\/site.showvegasrealty.com\/?p=383"},"modified":"2025-08-08T02:49:29","modified_gmt":"2025-08-08T09:49:29","slug":"recession-doesnt-equal-housing-crisis","status":"publish","type":"post","link":"https:\/\/www.showvegasrealty.com\/sq\/recession-doesnt-equal-housing-crisis\/","title":{"rendered":"Nj\u00eb recesion nuk \u00ebsht\u00eb i barabart\u00eb me nj\u00eb kriz\u00eb strehimi"},"content":{"rendered":"

Kudo q\u00eb t\u00eb shikoni, njer\u00ebzit flasin p\u00ebr nj\u00eb recesion t\u00eb mundsh\u00ebm. Dhe n\u00ebse planifikoni t\u00eb blini ose t\u00eb shisni nj\u00eb sht\u00ebpi, kjo mund t'ju b\u00ebj\u00eb t\u00eb mendoni n\u00ebse planet tuaja jan\u00eb ende nj\u00eb veprim i men\u00e7ur. P\u00ebr t'ju ndihmuar t\u00eb qet\u00ebsoheni, ekspert\u00ebt thon\u00eb se n\u00ebse hyjm\u00eb zyrtarisht n\u00eb nj\u00eb recesion, ai do t\u00eb jet\u00eb i leht\u00eb dhe i shkurt\u00ebr. Nd\u00ebrsa\u00a0Rezerva Federale\u00a0<\/em>shpjegoi<\/a>\u00a0n\u00eb takimin e tyre t\u00eb marsit:<\/p>\n

\u201c... parashikimi i stafit n\u00eb koh\u00ebn e takimit t\u00eb marsit p\u00ebrfshinte\u00a0<\/em>nj\u00eb recesion i leht\u00eb q\u00eb fillon m\u00eb von\u00eb k\u00ebt\u00eb vit, me nj\u00eb rim\u00ebk\u00ebmbje gjat\u00eb dy viteve pasuese<\/em><\/strong>."\u201d<\/em><\/p><\/blockquote>\n

Nd\u00ebrkoh\u00eb q\u00eb nj\u00eb recesion mund t\u00eb jet\u00eb n\u00eb horizont, ai nuk do t\u00eb jet\u00eb nj\u00eb recesion p\u00ebr tregun e banesave si ai i vitit 2008. Ajo q\u00eb duhet t\u00eb mbajm\u00eb mend \u00ebsht\u00eb se nj\u00eb recesion nuk \u00e7on gjithmon\u00eb n\u00eb nj\u00eb kriz\u00eb banesash.<\/strong><\/p>\n

P\u00ebr ta v\u00ebrtetuar k\u00ebt\u00eb, le t\u00eb shohim t\u00eb dh\u00ebnat historike t\u00eb asaj q\u00eb ndodhi n\u00eb pasurit\u00eb e paluajtshme gjat\u00eb recesioneve t\u00eb m\u00ebparshme. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, ju e dini pse nuk duhet t\u00eb keni frik\u00eb se \u00e7far\u00eb mund t\u00eb n\u00ebnkuptoj\u00eb nj\u00eb recesion p\u00ebr tregun e banesave sot.<\/p>\n

Nj\u00eb recesion nuk do t\u00eb thot\u00eb r\u00ebnie e \u00e7mimeve t\u00eb sht\u00ebpive<\/strong><\/h4>\n

P\u00ebr t\u00eb treguar se \u00e7mimet e sht\u00ebpive nuk bien \u00e7do her\u00eb q\u00eb ka nj\u00eb recesion, ndihmon t\u00eb drejtohemi te\u00a0t\u00eb dh\u00ebna historike<\/a>. Si\u00e7 ilustrohet n\u00eb grafikun m\u00eb posht\u00eb, duke par\u00eb recesionet q\u00eb nga viti 1980, \u00e7mimet e sht\u00ebpive u rrit\u00ebn n\u00eb kat\u00ebr nga gjasht\u00eb t\u00eb fundit prej tyre. Pra, historikisht, kur ekonomia ngadal\u00ebsohet, kjo nuk do t\u00eb thot\u00eb q\u00eb vlerat e sht\u00ebpive do t\u00eb bien gjithmon\u00eb.<\/p>\n

\"\"<\/a><\/p>\n

Shumica e njer\u00ebzve e kujtojn\u00eb kriz\u00ebn e strehimit n\u00eb vitin 2008 (m\u00eb i madhi nga dy shiritat e kuq n\u00eb grafikun e m\u00ebsip\u00ebrm<\/em>) dhe mendoj se nj\u00eb recesion tjet\u00ebr do t\u00eb jet\u00eb nj\u00eb p\u00ebrs\u00ebritje e asaj q\u00eb ndodhi me strehimin at\u00ebher\u00eb. Por tregu i sot\u00ebm i strehimit nuk \u00ebsht\u00eb gati t\u00eb rr\u00ebzohet sepse themelet e tregut jan\u00eb t\u00eb ndryshme nga ato q\u00eb ishin n\u00eb vitin 2008. N\u00eb at\u00eb koh\u00eb, nj\u00eb nga arsyet kryesore pse \u00e7mimet ran\u00eb ishte sepse kishte nj\u00eb tepric\u00eb sht\u00ebpish n\u00eb shitje n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb q\u00eb pronat n\u00eb v\u00ebshtir\u00ebsi p\u00ebrmbyt\u00ebn tregun. Sot, numri i sht\u00ebpive n\u00eb shitje \u00ebsht\u00eb i ul\u00ebt, k\u00ebshtu q\u00eb nd\u00ebrsa \u00e7mimet e sht\u00ebpive mund t\u00eb shohin r\u00ebnie t\u00eb lehta n\u00eb disa zona dhe rritje t\u00eb lehta n\u00eb t\u00eb tjera, nj\u00eb r\u00ebnie thjesht nuk \u00ebsht\u00eb n\u00eb plan.<\/p>\n

Nj\u00eb recesion do t\u00eb thot\u00eb r\u00ebnie e normave t\u00eb interesit t\u00eb hipotek\u00ebs<\/strong><\/h4>\n

Ajo q\u00eb nj\u00eb recesion do t\u00eb thot\u00eb n\u00eb t\u00eb v\u00ebrtet\u00eb p\u00ebr tregun e banesave \u00ebsht\u00eb r\u00ebnia e normave t\u00eb interesit t\u00eb hipotekave. Si\u00e7 tregon grafiku m\u00eb posht\u00eb,\u00a0historikisht<\/a>, sa her\u00eb q\u00eb ekonomia ngadal\u00ebsohej, normat e kredive hipotekare uleshin.<\/p>\n

\"\"<\/a><\/p>\n

Norma e Bank\u00ebs<\/em>\u00a0shpjegon<\/a>\u00a0Normat e interesit t\u00eb hipotek\u00ebs zakonisht bien gjat\u00eb nj\u00eb ngadal\u00ebsimi ekonomik:<\/p>\n

\u201cGjat\u00eb nj\u00eb recesioni tradicional, Rezerva Federale zakonisht ul normat e interesit. Kjo krijon nj\u00eb nxitje p\u00ebr njer\u00ebzit q\u00eb t\u00eb shpenzojn\u00eb para dhe t\u00eb stimulojn\u00eb ekonomin\u00eb.\u00a0<\/em>Gjithashtu, zakonisht \u00e7on n\u00eb norma m\u00eb t\u00eb p\u00ebrballueshme t\u00eb kredive hipotekare, gj\u00eb q\u00eb \u00e7on n\u00eb m\u00eb shum\u00eb mund\u00ebsi p\u00ebr bler\u00ebsit e sht\u00ebpive.<\/em><\/strong>."\u201d<\/em><\/p><\/blockquote>\n

K\u00ebt\u00eb vit,\u00a0normat e hipotek\u00ebs<\/a>\u00a0kan\u00eb qen\u00eb mjaft t\u00eb paq\u00ebndrueshme pasi kan\u00eb reaguar ndaj inflacionit t\u00eb lart\u00eb. 30-vje\u00e7ari\u00a0norm\u00eb fikse hipoteke<\/a>\u00a0ka luhatur midis af\u00ebrsisht 6-7%, dhe kjo \u00ebsht\u00eb ndikuar\u00a0p\u00ebrballueshm\u00ebri<\/a>\u00a0p\u00ebr shum\u00eb bler\u00ebs potencial\u00eb sht\u00ebpish.<\/p>\n

Por, n\u00ebse ka nj\u00eb recesion, historia na tregon se normat e kredive hipotekare mund t\u00eb bien n\u00ebn at\u00eb prag, edhe pse dit\u00ebt e 3% kan\u00eb mbaruar.<\/p>\n

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

Nuk keni pse t\u00eb keni frik\u00eb se \u00e7far\u00eb do t\u00eb thot\u00eb nj\u00eb recesion p\u00ebr tregun e banesave. N\u00ebse kemi nj\u00eb recesion, ekspert\u00ebt thon\u00eb se ai do t\u00eb jet\u00eb i leht\u00eb dhe i shkurt\u00ebr, dhe historia tregon se kjo do t\u00eb thot\u00eb gjithashtu q\u00eb normat e interesit t\u00eb hipotekave ulen.<\/p>","protected":false},"excerpt":{"rendered":"

Everywhere you look, people are talking about a potential recession. And if you\u2019re planning to buy or sell a house, this may leave you wondering if your plans are still a wise move. To help ease your mind, experts are saying that if we do officially enter a recession, it\u2019ll be mild and short. As […]<\/p>\n","protected":false},"author":7,"featured_media":384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-383","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\/383","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=383"}],"version-history":[{"count":0,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/posts\/383\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/media\/384"}],"wp:attachment":[{"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/media?parent=383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/categories?post=383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/sq\/wp-json\/wp\/v2\/tags?post=383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}