18 % notleidende Bank Kredite - Welt bank und die Grundstücks Problem rund um das Albanische Desaster

 Überwiegend, sind vor allem Immobilien Kredite Notleidend in Albanien, wobei es sich um kriminelle Kredite handelt, fast ausschliesslich für Appartment Häuser und Mafia Hotels, ohne Bau Genehmigungen und gefälschten Grundstücks Papieren.

Die Kredit Ausfälle, reichen von ca. 50% bei Immobilien Krediten, bis zu 35% - 60% rund um Hausverwaltungen und um die 50%  bei Real Estage Firmen, wobei auch “Prinz Leka”, über 500.000 € schon beschlagnahmt wurden, der unverkäuflichen Schrott Immobilien. Den Stadt Verwaltungen von Tirana, Durres, Sarande, Vlore ist bestens bekannt, die vielen unverkäuflichen Immobilien Projekte, mit Schrott Appartments, welche die Umwelt zerstörten. Aber bis heute stoppt niemand solches kriminelles Treiben, weil alle Bau Gesetze, Bau Polizei und sogar die Grundstücks Agentur ausgeschaltet wurden.

Vor allem Bulgarische und Griechische Banken, hatten sich hier als Geldwäsche Finanzierungen, für Mafiöse Gruppen verspekuliert, wobei der Vorreiter, die American Bank of Albania war, welche auch als Geldwasch Institut, für die Bin Laden Gruppe diente. 37 Bank Accounts, wurde allein von der Familie des Yassin Kadi beschlagnahmt, und die US-Albanische Mafia Niederlassung in “Golem”, “Pista Ilyria”, einen vollkommen illegalen Supstrakt, der Brooklyn Mafia rund um US Senator Eliot Engel und anderen Amerikanern, welche Probleme mit dem FBI hatten ist ein berüchtigtes Beispiel.

400 Hochhäuser in Tirana, und 90% aller Hochhäuser in Durres, sind bis heute nicht legalisiert, weil die Albaner Regierung, der Motor und Schutzherr Internationaler Drogen Bosse ist und diese Art von Geldwäsche und Landraub, Regierungs und Politiker Kultur ist.

Die Banken Probleme aber auch die Immobilien Blase ist seit langem bekannt, weil es ein Betrugs Schema ist.
12 Oct 2011 / 08:33
Albania Banks Register Spike in Bad Loans
Data published on Tuesday by Albania’s Association of Banks say bad loans reached 18 per cent of the total credit portfolio in August, the highest level to date.

Die Banken Probleme aber auch die Immobilien Blase ist seit langem bekannt, weil es ein Betrugs Schema ist.

Bad Loans - Also An Albanian Problem?
————————————-

¶2. (C) While the rest of the world grapples with the credit
crunch from bad real estate loans, Albania’s economy
continues to grow at a robust six percent. Although Albania
has not experienced a real estate bubble brought on by loose
lending standards, Lorenzo Roncari, CEO of American Bank of
Albania (one of Albania’s largest banks), expressed concern
that the sixteen Albanian banks, in an effort to gain market
share, have been overly aggressive in the consumer lending
market while raising deposit interest rates to attract new
clients. Some banks are even offering short-term unsecured
loans at a lower interest rate than they offer their
depositors.

¶3. (C) According to statistics of Albania’s Central Bank
(CB), four percent of all loans are classified as
non-performing, which is high by western standards. In
addition, seven of Albania’s sixteen banks have reported
losses during the first half of this year. Five of those are
now at minimum capitalization while two are below. The
problem may get worse since banks have no practical way to
force delinquent retail borrowers to pay up. Roncari sees
these trends as alarming, and described an Albanian banking
system “in serious trouble.”

Perhaps a Short Term Problem
—————————-

¶4. (SBU) The banks are simply trying to get their share of
Albania’s huge remittance inflow, cash sent home from workers
in the U.S. and Europe. Albanians still distrust the banking
system, and memories of the collapse of the pyramid schemes
are fresh in their minds. Instead, they have been putting
their cash into real estate, sparking Albania’s incredible
construction boom. Since the banks have been very
conservative in their mortgage lending, usually requiring a
30 percent down payment, there is little danger of a
bubble-induced credit crunch.

The CB Is Not Worried
———————

¶5. (C) Officials at the Central Bank disagreed with Roncari’s
gloomy assessment of the banking system. Regarding consumer
loans, the head of the Supervision Department told the
Embassy that these rates are short-term promotions and
clients must generally satisfy certain criteria to receive
the most favorable interest rates. He criticized the banks
for placing somewhat misleading advertising to draw in
customers, but said that the banking sector’s profitability
increased during the first half of 2008 over 2007. He added
that other important indicators the CB watches closely, such
as return on equity and capital adequacy, have either
improved or are within an allowable range. And while the
percentage of non-performing loans has increased, it is still
well below Macedonia at 6.4 percent and Serbia at 22 percent.

Comment
——-
http://wikileaks.org/cable/2008/08/08TIRANA653.html

Loans, banks tighten up conditions

18/10/2011 

Taking a bank loan has become even more difficult in the third trimester of the year. A recent survey of the Albanian Bank shows that private banks have tightened up loan conditions, since they perceive an increased danger in the economy. 

The bank experts say that there are two main reasons that are obliging them takeing these measures with the business and consumer loans.

First, there is the situation of bad loans, almost 18% of the total. The second reason is related with a negative evaluation that the banks received for the macro-economic situation in the country. To handle these two risks, the banks have increased the interest rates for loans that they consider as risky, and also the request for the mortgage guarantees.

On the other hand, the individuals and businesses seem hesitant. The survey says that the demands for loans have decreased during July and September. Experts say that this situation will continue even harder during the last trimester of this year, especially for big businesses. The loans given for the economy have increased with 12.7% in the first eight months of 2011, compared to the same period of one year ago

http://www.top-channel.tv/english/artikull.php?id=3206&ref=fp

Der neue Weltbank Report, rund um die illegale Bebauung und Legalisierung.

Oct 13, 2011	Përfaqësuesja e Përhershme e Bankës Botërore në Shqipëri, znj. Kseniya Lvovsky takohet me përfaqësues të shoqatës “Pronësi me drejtësi” (Press Release)
Oct 13, 2011	World Bank Country Manager, Mrs. Kseniya Lvovsky met with representatives of Property with Justice Association (Press Release)

Ein Albanischer Schiffseigner, wollte mit einem Schiff unter Moldavischer Flagge, Munition in den Irak transportieren. Eines der vielen illegalen Waffen Geschäfte, welche über Durres laufen, u.a. an Gaddafi, Hisbolla, Iran usw..

Seit kurzem haben 7 ausl. Militär Spezialisten der Geheimdienste die Kontrolle des Hafens Durres übernommen, denn auch dieses Waffen Geschäft, war erneut direkt eingefädelt von Damir Fazllic, mit dem Terroristen und Mafia Boss Salih Berisha.

Dies wurde von einem hohen US Militär der Sonder Einheit (FST), bestätigt. Was für ein Zufall, der heisst: Richard Kennedy und untersteht direkt mit NATO US Oberbefehlshaber. Damir Fazllic, macht auch mit dem Ganoven Wesley Clark Geschäfte, der sich seinen Wahlkampf, von der Albanischen Mafia, vor Jahren finanzieren liess, wie Andere Verbrecher der US Politik, wie Senator Eliot Engel, mit seiner Brooklyn Mafia.

Ammunition loaded ship stopped in Durres
17/10/2011

 

A ship loaded with a considerable amount of ammunition has been stopped in the Durres port for verification.

Trusted sources say that the Moldavian ship is being inspected by the Albanian authorities. The destination of the shipment is Iraq, but the authorities do not give explanations for the reasons why they stopped the ship.

The ship is inside the Durres Port and the authorities do not deny of having stopped it, but they have refused to give any explanations.

Police also refused to say where this ship has taken the ammunition and based on what agreements is it traveling to Iraq. They refuse to hint out if the ammunitions are aiding the Iraqi government or army, or if it is a simple merchant load.

Der Mega Betrugs Waffen Prozess rund um die Kathastrophe von Gerdec, wo es gegen die US Partner die Firma AEY, bereits in den USA Verurteilungen gab, und wo es eine US Kongress Untersuchung gab. Das grosse Betrugs Geschäft, des damaligen Ministers Fatmir Mediu und des Profi Gangsters Deligjori, Pinari, Rrahman Selmanllari, dessen Familie für auch für Drogen schmuggel mit Diplomaten Pass steht und engste Geschäfts Verbindungen auch im Grundstücks Betrug in Orikum, zur Familie Salih Berisha hat.

Zwischendurch brennt eine Fabrik ab, wie gestern in Kruje, natürlich wo ein Gas Flachen Depot war. Vor wenigen Tagen, an der Autobahn, ein Öl- und Gaslager.

Viele griechische Tochter Firmen in Süd Albanien, haben keine Arbeit mehr.

Greek crisis felt in Gjirokaster
15/10/2011 20:30

 

The Gjirokaster residents are feeling the consequences of the Greek crisis. In this town there are many Greek-Albanian enterprises, mainly in the active processing industry.

Six big businesses have been closed in the last two months, due to the inability to pay the bills and the workers.

The head of the Chamber of Commerce and Industry in Gjirokaster, Mustafa Devolli, notifies that the situation is deteriorating.

The businesses were the ones who felt the Greek financial crisis first, which has concerned Athens even more.

The factories that produce police uniforms for the Greek Police and Army have not taken the production to Greece, since the liquidation fund has not been approved yet.

The Kakavija border checkpoint with Greece has had a minimal traffic, due to the unclear situation of a new possible strike, which this time might be indefinite.

The economic relations between Greece and Albania have been plunging since 2009, while the import and export exchange rate is increasingly falling.

Die Bau Mafia, kann ihren Bau Müll, fast immer auf gestohlenen Grundstücken nicht verkaufen und macht trotzdem weiter, weil jede Polizei, Justiz fehlt. Ebenso mangels 100% krimineller Präfekten, die Nichts gegen illegale Bebauung unternehmen und eine Nonsens Polizei, wo Polizei Direktoren, in diese kriminellen Aktivitäten oft verwickelt sind.

Construction stalemate continues
Albanian construction industrialists complain about having one of the most difficult financial periods, with low demands and lacking of liquidity. 

Einziges Geschäft in Albanien ist praktisch die Geldwäsche aus Drogen, Waffen, Menschen Handel

Aktuelle Polizei Operationen in Italien

In Palermo

Deshalb will die Bau Mafia und Idioten Politik, auch keinen Tourismus, hier die Operation in Palermo rund um illegale Müll Entsorgung, einem Spezial Gebiet auch der Albaner Mafia des Salih Berisha Regierung. siehe

• 16.10.2011: Peinliche Ausführungen des “Camorra” Mafia Vertreter Taulant Bino, der im Umwelt Ministerium arbeitet
• 15.10.2011: Salih Berisha Mafia PD Parteigänger und die Folgen: 100 Morde und Sprengstoff Anschläge in 10 Monaten in Albanien

Krujë, zjarr në një fabrikë dyshekësh, 3 të plagosur

KRUJE- Një zjarr i fuqishëm ka shpërthyer në një fabrikë dyshekës në hyrje të qytetit të Krujës. Nga të dhënat e para mësohet se 3 persona janë plagosur, dy prej të cilëve kanë plagë djegieje.Forcat zjarrfikëse ndodhen në vendin e ngjarjes dhe po punojnë për shuarjen e flakëve, ndërkohë që NEWS24 raporton për praninë e një depozitë me 5 mijë litra gaz brenda në fabrikë, shpërthimi i së cilës do të shkaktonte dëme të mëdha.Zjarrfikësit po punojnë që flakët të mos i afrohen depozitës së gazit.Rreth orën 15: 50 minuta korrespondeti i NEWS24, Andi Shota, raportoi se zjarri kishte nisur rreth orës 11. 50 minuta. Fillimisht një vatër e vogël, dhe më pas flakët u përhapën me shpejtësi.Zjarri rrezikon dhe banesat që ndodhen pranë fabrikës, ndërsa është bërë evakuimi i banorëve, nga këto banesa. Të plagosurit me plagë djegieje janë dërguar në Tiranë për mjekim më të specializuar në spitalin e Djegieve në Tiranë. (s.g/balkanWeb)

Rrapo Danushi, Vorsitzender des Grundstücks Eigentums Vereins, hatte 2 Treffen mit Salih Berisha, wo er darauf hinwies, endlich die echten alten Grundstücks Eigentümer zu schützen, und das Nicht tun, wie Bruder Mord ist. Rrapo Danushi, spricht von 8.000 Morden bis heute rund um selbst ernannte Grundstücks Besitzer und die Albanische Mafia Regierung ist wie im Falle Kononi, Currila - Durres, Vlore, Sarande in Tausende neue Fälle direkt verwickelt, als rein kriminelle Gruppierung, militanter Verbrecher Banden. Alle Gesetze, massive Hinweise, der EU, USA, Weltbank werden Non-Stop ignoriert, wobei der Berisha Lakaj, Ex-Justiz Minister Enkeled Alibeaj, der ja lt. wikileaks cables, sogar als Justiz Minister, Mörder aus dem Gefängniss freiliess, besondere Verantwortung trägt. Die Fristen für eine Legalisierung von illegalen Bauten waren 2006, trotzdem wurde extrem weiter gebaut und Grundstücke besetzt, auch in “Schutz” Gebieten, wo keine Bebauung erlaubt ist.

 

 

“Pronat provokojnë gjakmarrje, të respektohet vendimi i Kushtetueses”

Kryetari i shoqatës “Pronësi me drejtësi”, Rrapo Danushi, reagon pas ngjarjes në Lezhë, që u bë shkak gjyqi për pronën…

me shume

Die Albanische Idioten Mafia Regierung hat nun nochmal ein Ultimatum der EU, bis Dezember die Kriterien zuerfüllen, was sowieso nicht geschehen wird.

 

Ultimatumi i Sekuit: Presim rezultate nga politika deri në dhjetor

Ndërtimet pa leje, BB: Të shtyhet afati i legalizimit

11:24 am | “Qeveria s’mund të shembë 80 mijë ndërtime të tjera pa leje” Procesi i legalizimit të ndërtimeve informale në vend ka ecur ngadalë dhe sikur të mos mjaftonte kjo, ligji nuk i jep zgjidhje përfundimtare çështjes,…

WB: Property legalization has stalled
17/10/2011

 

A recent World Bank report that analyzes the chaotic property legalization process in Albania indicates the details in which the process has stalled. According to this report, Albania has more than 270.000 informal object legalization requests, but only less than the half of them has been verified.

The second phase, in which process is stalling, is at the intermediate link, or more specifically, the one that makes the document delivery from the “Agency for Legalization, Urbanization and Integration of Informal Construction and Areas (ALUIIC)” to the government for the final decision.

According to the World Bank, the government has received 54.000 legalization requests until June 2011, and only 4503 formal decisions have been taken, only 1.6 % of the total. The government is wasting too much time and the process is stalling without succeeding.

The World Bank notes that this stalemate occurs for two reasons. First, it is the lack of coordination between the three institutions that are responsible for returning the properties to the legal owners: ALUIIC, the Agency of Property Return and the Property Registration Office.

These agencies have problems with the data standardization. The maps that ALUIIC has processed on terrain with the latest technology cannot be processed by the Property Registration Office, which doesn’t have this kind of technology. According to the World Bank, this has slowed the process down and has reduced the data accuracy.

The second reason, which must be the most important, is the cost. The money that the government collects from the legalization process is not enough for compensating the legal owners whose property has been occupied.

http://www.top-channel.tv/english/artikull.php?id=3189&ref=fp

Selbst verschuldet, durch Geld gierige und korrupte Bank Manager, welche mit System Geldwäsche betreiben, was von der Hypo Alpe Adria anfängt, über die First Investment Bank aus Bulgarien, Alpha Bank aus Griechenland, und als Lehrmeister die USAID, AAEF finanzierte American Bank of Albania, wo die Bin Laden Gruppe wie Yassin Kadi auch ihre viele Bankkonten hatten und jeder US Betrüger und Mafia Boss.

Vor über 10 Jahren, wusste ja jeder, das Alles zusammen gefälscht ist.

New law for property registration
19/10/2011 03:05

 

The government has prepared a new law for registering the real estate assets, which obliges the Registration Office to financially reward all businesses and individuals if there will be fake documents released by this agency. 

“If the registration office has given an information and the applicant has benefited a fake information, the Registration Office must respond for the damages that have been caused to the subject”, says the Minister of Justice, Eduart Halimi.

The bank representatives, who are directly affected by the insecurity of property ownership titles, have welcomed the law.

“Our biggest problem is that of the safety of property titles. If we give a loan against a given property title, we must be sure that this property title will guarantee our money”, says Sayan Pencapligil.

The law also reduces the procedures for receiving ownership titles, by digitalizing the archive.

“The information will be taken within a minute by the Registration Office, which makes it easier and faster for the banks to verify the property titles and to approve a loan or not. It also cuts the expenses”, Halimi explains.

The digitalized archive will offer information not only for banks, but also for notaries, who will make the procedures for the citizens. 

http://www.top-channel.tv/english/artikull.php?id=3227&ref=fp

Business opportunities deteriorated 
20/10/2011 

 

The new report of the World Bank, which reviews the economic situation of 183 countries, shows a deteriorated position for Albania regarding the facilities for the opportunities of making business. 

After reviewing the data, Albania has passed from the 77th rank of last year’s classification to the 82nd. The Analyze of the World Bank is based on the rules that help or impede a business activity, and is not an indicator of the business climate in a country. According to the report, our country is ranked last for the release construction permits, while from the 242 new reforms taken in the last 12 months, the only one mentioned is the reform taken for easing the property registration. 

Macedonia leads the Balkan countries, going from 34th to 22nd place. Albania has lost five places compared to last year. The Bank has used another methodology in the new report for three of its indicators: the construction permits, loans and taxes. Albania is in the last place for the construction permits, due to the fact that the authorities have not released construction permits since April 2009. The World Bank report reflects the legal framework and the rules set by the governments for helping businessmen.

Dieser Eintrag wurde am 17.10.2011 um 18:03 verfasst und befindet sich in Economy - Wirtschaft. Sie können alle Antworten zu diesem Eintrag über den Feed RSS 2.0 mitverfolgen. Hinterlassen Sie eine Antwort oder einen Trackback-Link zu Ihrer eigenen Homepage.

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