{"id":52453,"date":"2023-05-11T14:47:23","date_gmt":"2023-05-11T12:47:23","guid":{"rendered":"https:\/\/euronews.al\/en\/?p=52453"},"modified":"2023-05-11T14:47:23","modified_gmt":"2023-05-11T12:47:23","slug":"banks-tighten-loans-for-businesses-stimulate-individuals","status":"publish","type":"post","link":"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/","title":{"rendered":"Banks tighten loans for businesses, stimulate individuals"},"content":{"rendered":"<p>More businesses requested loans from banks in the first quarter of the year. Enterprises asking for money to finance their investments have been some of the most common clients at the doors of the banks.<\/p>\n<p>On the other hand, in the same period, individuals showed lower interest for loans, a tendency that has been noticed since the beginning of 2022, both for consumption and for the purchase of housing. The reason behind it being the high rates of interest.<\/p>\n<p>But how have banks responded to loan requests? Data collected by the Central Bank show that there are less rejected requests compared to previous months, whereas the tightening has been applied to businesses.<\/p>\n<p>The increased caution of banks in lending to this segment is mainly dictated by the perceived risk to the solvency of the borrowers, as well as by uncertainties about the economic perspective, given high costs of production and supply of raw materials.<\/p>\n<p>Unlike businesses, banks applied more favorable credit policies for individuals, easing both the standards and the terms and conditions of crediting.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>More businesses requested loans from banks in the first quarter of the year. Enterprises asking for money to finance their investments have been some of the most common clients at the doors of the banks. On the other hand, in the same period, individuals showed lower interest for loans, a tendency that has been noticed [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":50752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[153],"tags":[270,1788,1912,823,2106,150,243,151,2105],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banks tighten loans for businesses, stimulate individuals - Euronews Albania<\/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:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banks tighten loans for businesses, stimulate individuals - Euronews Albania\" \/>\n<meta property=\"og:description\" content=\"More businesses requested loans from banks in the first quarter of the year. Enterprises asking for money to finance their investments have been some of the most common clients at the doors of the banks. On the other hand, in the same period, individuals showed lower interest for loans, a tendency that has been noticed [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/\" \/>\n<meta property=\"og:site_name\" content=\"Euronews Albania\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/euronews.al\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-11T12:47:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2023\/04\/Banka-e-Shqiperise-naten.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Euronews Albania\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@euronewsalbania\" \/>\n<meta name=\"twitter:site\" content=\"@euronewsalbania\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Euronews Albania\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/\"},\"author\":{\"name\":\"Euronews Albania\",\"@id\":\"https:\/\/euronews.al\/en\/#\/schema\/person\/40904b56ee024949b80be8199e47e27d\"},\"headline\":\"Banks tighten loans for businesses, stimulate individuals\",\"datePublished\":\"2023-05-11T12:47:23+00:00\",\"dateModified\":\"2023-05-11T12:47:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/\"},\"wordCount\":181,\"publisher\":{\"@id\":\"https:\/\/euronews.al\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/euronews.al\/en\/wp-content\/uploads\/2023\/04\/Banka-e-Shqiperise-naten.jpg\",\"keywords\":[\"albania\",\"banks\",\"businesses\",\"economy\",\"individuals\",\"Kryesor 1\",\"kryesore 1\",\"Kryesoret\",\"loans\"],\"articleSection\":[\"Albania\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/\",\"url\":\"https:\/\/euronews.al\/en\/banks-tighten-loans-for-businesses-stimulate-individuals\/\",\"name\":\"Banks tighten loans for businesses, stimulate individuals - 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