{"id":50819,"date":"2026-06-06T08:24:24","date_gmt":"2026-06-06T08:24:24","guid":{"rendered":"https:\/\/radiojehona.mk\/?p=50819"},"modified":"2026-06-06T08:24:24","modified_gmt":"2026-06-06T08:24:24","slug":"kredi-jes-u-mbyll-por-borxhlinjte-a-do-tia-kthejne-parate","status":"publish","type":"post","link":"https:\/\/radiojehona.mk\/?p=50819","title":{"rendered":"\u201eKredi Jes\u201c u mbyll, por borxhlinjt\u00eb a do t\u2019ia kthejn\u00eb parat\u00eb?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"559\" height=\"373\" src=\"https:\/\/radiojehona.mk\/wp-content\/uploads\/2026\/06\/kredi-jey-credy-yes.png\" alt=\"\" class=\"wp-image-50820\" srcset=\"https:\/\/radiojehona.mk\/wp-content\/uploads\/2026\/06\/kredi-jey-credy-yes.png 559w, https:\/\/radiojehona.mk\/wp-content\/uploads\/2026\/06\/kredi-jey-credy-yes-300x200.png 300w\" sizes=\"(max-width: 559px) 100vw, 559px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Qytetar\u00ebt q\u00eb kan\u00eb marr\u00eb kredi t\u00eb shpejta nga shoq\u00ebria financiare \u201eKredi Jes\u201c (Credi Yes), s\u00eb cil\u00ebs Ministria e Financave ia ka revokuar lej\u00ebn e pun\u00ebs, duhet t\u00eb vazhdojn\u00eb med pages\u00ebn e k\u00ebsteve n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb mos u llogariten kamata dhe t\u00eb mos futen n\u00eb borxhe shtes\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nga Ministria e Financave thon\u00eb se Ligji p\u00ebr shoq\u00ebrit\u00eb financiare dhe rregullativa tjet\u00ebr p\u00ebrkat\u00ebse nuk parashikojn\u00eb fshirje t\u00eb borxheve, prandaj qytetar\u00ebt e mbingarkuar med borxhe nuk mund t\u00eb llogarisin n\u00eb shlyerjen e tyre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Megjithat\u00eb, qytetar\u00ebt q\u00eb konsiderojn\u00eb se n\u00eb \u00e7far\u00ebdo m\u00ebnyre jan\u00eb d\u00ebmtuar nga kjo shoq\u00ebri, mund t\u00eb nisin procedur\u00eb gjyq\u00ebsore. Ata theksojn\u00eb se qytetar\u00ebt kan\u00eb t\u00eb drejt\u00eb ta kontestojn\u00eb marr\u00ebveshjen e kredis\u00eb para gjykat\u00ebs kompetente, n\u00ebse vler\u00ebsojn\u00eb se jan\u00eb d\u00ebmtuar nga ana e shoq\u00ebris\u00eb, respektivisht n\u00ebse konsiderojn\u00eb se shoq\u00ebria ka shkelur ndonj\u00eb nga dispozitat e kontraktuara.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sipas Ligjit p\u00ebr shoq\u00ebrit\u00eb financiare, pas revokimit t\u00eb licenc\u00ebs, shoq\u00ebria nuk guxon t\u00eb kryej\u00eb aktivitete financiare, p\u00ebrve\u00e7 atyre q\u00eb jan\u00eb t\u00eb domosdoshme p\u00ebr ruajtjen e pron\u00ebs s\u00eb shoq\u00ebris\u00eb dhe mbledhjen e k\u00ebrkesave.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pas heqjes s\u00eb licenc\u00ebs, shoq\u00ebria ka nj\u00eb afat prej 15 dit\u00ebsh p\u00ebr t\u00eb parashtruar ankes\u00eb, periudh\u00eb n\u00eb t\u00eb cil\u00ebn, sipas Ligjit p\u00ebr shoq\u00ebrit\u00eb financiare, duhet gjithashtu t\u00eb inicioj\u00eb procedur\u00eb p\u00ebr likuidim ose falimentim, pas s\u00eb cil\u00ebs veprohet n\u00eb p\u00ebrputhje med Ligjin p\u00ebr shoq\u00ebrit\u00eb tregtare ose Ligjin p\u00ebr falimentim. Nga Ministria e Financave sqarojn\u00eb se n\u00eb t\u00eb dyja rastet \u2013 likuidim apo falimentim \u2013 qytetar\u00ebt q\u00eb kan\u00eb marr\u00eb kredi n\u00eb k\u00ebt\u00eb shoq\u00ebri nuk duhet t\u00eb presin, bur duhet t\u2019i shlyejn\u00eb obligimet e marra med marr\u00ebveshje, pasi n\u00eb t\u00eb dyja rastet obligimet sipas marr\u00ebveshjeve t\u00eb lidhura shlyhen nga personat q\u00eb e kan\u00eb n\u00ebnshkruar marr\u00ebveshjen. Nga atje sqarojn\u00eb se leja e pun\u00ebs e shoq\u00ebris\u00eb financiare \u201eKredi Jes\u201c \u00ebsht\u00eb revokuar n\u00eb p\u00ebrputhje med Ligjin p\u00ebr shoq\u00ebrit\u00eb financiare, si rezultat i shqiptimit t\u00eb dy kund\u00ebrvajtjeve brenda nj\u00eb viti. Kund\u00ebrvajtja e par\u00eb ka t\u00eb b\u00ebj\u00eb med mosdor\u00ebzimin e raportit financiar dhe raportit t\u00eb auditimit n\u00eb Ministrin\u00eb e Financave brenda afatit t\u00eb p\u00ebrcaktuar ligjor, gj\u00eb q\u00eb \u00ebsht\u00eb n\u00eb kund\u00ebrshtim med nenin 20 paragrafi (4) t\u00eb Ligjit p\u00ebr shoq\u00ebrit\u00eb financiare. Kund\u00ebrvajtja e dyt\u00eb \u00ebsht\u00eb konstatuar pas denoncimit nga nj\u00eb qytetar, me \u00e7ka \u00ebsht\u00eb v\u00ebrtetuar se shoq\u00ebria ka llogaritur gabimisht shkall\u00ebn vjetore t\u00eb kostove totale, p\u00ebr \u00e7ka ajo ka qen\u00eb m\u00eb e lart\u00eb se maksimumi i lejuar ligjor, n\u00eb kund\u00ebrshtim med nenin 20-a t\u00eb Ligjit p\u00ebr mbrojtjen e konsumator\u00ebve n\u00eb marr\u00ebveshjet p\u00ebr kredi konsumatore. Sipas Ligjit p\u00ebr shoq\u00ebrit\u00eb financiare, shoq\u00ebria financiare n\u00eb afat prej 15 dit\u00ebsh nga dita e pranimit t\u00eb vendimit p\u00ebr revokimin e lejes s\u00eb pun\u00ebs ka t\u00eb drejt\u00eb t\u00eb dor\u00ebzoj\u00eb ankes\u00eb. Me heqjen e licenc\u00ebs, mbyllen rreth 40 filiale t\u00eb \u201eKredi Jes\u201c n\u00eb mbar\u00eb shtetin, nd\u00ebrsa pa pun\u00eb mbeten m\u00eb shum\u00eb se 100 pun\u00ebtor\u00eb. \u201eKredi Jes\u201c ishte pjes\u00eb e tregut t\u00eb sh\u00ebrbimeve financiare q\u00eb nga viti 2019.(INA)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qytetar&euml;t q&euml; kan&euml; marr&euml; kredi t&euml; shpejta nga shoq&euml;ria financiare &bdquo;Kredi Jes&ldquo; (Credi Yes), s&euml; cil&euml;s Ministria e Financave ia ka revokuar lej&euml;n e pun&euml;s, duhet t&euml; vazhdojn&euml; med pages&euml;n e k&euml;steve n&euml; m&euml;nyr&euml; q&euml; t&euml; mos u llogariten kamata dhe t&euml; mos futen n&euml; borxhe shtes&euml;. Nga Ministria e Financave thon&euml; se Ligji p&euml;r [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":50820,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-50819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vendi"],"_links":{"self":[{"href":"https:\/\/radiojehona.mk\/index.php?rest_route=\/wp\/v2\/posts\/50819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/radiojehona.mk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/radiojehona.mk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/radiojehona.mk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/radiojehona.mk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=50819"}],"version-history":[{"count":1,"href":"https:\/\/radiojehona.mk\/index.php?rest_route=\/wp\/v2\/posts\/50819\/revisions"}],"predecessor-version":[{"id":50821,"href":"https:\/\/radiojehona.mk\/index.php?rest_route=\/wp\/v2\/posts\/50819\/revisions\/50821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/radiojehona.mk\/index.php?rest_route=\/wp\/v2\/media\/50820"}],"wp:attachment":[{"href":"https:\/\/radiojehona.mk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=50819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/radiojehona.mk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=50819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/radiojehona.mk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=50819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}