{"id":4173,"date":"2024-09-24T13:10:33","date_gmt":"2024-09-24T13:10:33","guid":{"rendered":"https:\/\/bqk-kos.org\/edu\/frequently-asked-questions\/"},"modified":"2024-12-09T13:30:42","modified_gmt":"2024-12-09T13:30:42","slug":"pyetjet-me-te-shpeshta","status":"publish","type":"page","link":"https:\/\/bqk-kos.org\/edu\/pyetjet-me-te-shpeshta\/?lang=en","title":{"rendered":"Frequently asked questions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4173\" class=\"elementor elementor-4173 elementor-1150\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d3e83 shared-top-layout e-flex e-con-boxed e-con e-parent\" data-id=\"32d3e83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc9f254 e-con-full shared-top-layout e-flex e-con e-parent\" data-id=\"fc9f254\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-952f98c elementor-widget elementor-widget-title-section\" data-id=\"952f98c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"title-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"title-section  \"  data-target=\"frequently-asked-questions\">\r\n\t\t\t\t\t\t\t<h1 class=\"shared-title\">Frequently asked questions<\/h1>\r\n\t\t\t\t\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t<style>\r\n\t\t\t.title-section.no-title .shared-title {\r\n\t\t\t\tmargin-bottom: 0;\r\n\t\t\t}\r\n\r\n\t\t.title-section.has-subtitle .shared-title {\r\n\t\t\tmargin-bottom: max(12px, 0.833vw); \r\n\t\t}\r\n\r\n\r\n\t\t<\/style>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5a964b e-con-full shared-layout e-flex e-con e-parent\" data-id=\"a5a964b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e14d48 elementor-widget elementor-widget-faq-wrapper\" data-id=\"6e14d48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"faq-wrapper.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"faq-wrapper\">\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2>How can I contact the Central Bank of the Republic of Kosovo?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>You can contact the Central Bank of the Republic of Kosovo through:<\/p><p>E-mail: <a href=\"mailto:info@bqk-kos.org\">info@bqk-kos.org<\/a><\/p><p>Phone No.: <a href=\"tel:+38338222055\">+383 38 222 055<\/a><\/p><p>Official mail at:\u00a0<em>Str. Garibaldi, No. 33 Prishtina, Kosovo<\/em>.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2>Can I open an account or get a loan at CBK?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>No. The Central Bank of the Republic of Kosovo is not a commercial bank. It does not provide banking services, it does not open accounts nor accepts deposits from the general public. CBK licenses, supervises and regulates financial institutions operating in the country.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2>Which are the financial institutions that are licensed, supervised and regulated by CBK?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>The Central Bank of the Republic of Kosovo (CBK) has exclusive responsibility for licensing\/registering, supervising and regulating financial institutions: banks, insurers, pension funds, microfinance institutions, non-bank financial institutions, insurance intermediaries, claim handlers and other legal entities which exercise financial activities as defined by the legislation in force in the Republic of Kosovo.<br \/>These are the financial institutions licensed\/registered by the CBK to exercise financial activity in the Republic of Kosovo: <a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/ENG-Lista-e-institucioneve-financiare-12.02.2024.pdf\">here<\/a><\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2>Where can I get information regarding the licensing of a financial activity?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>Those interested to be licensed to exercise financial activity in the Republic of Kosovo are initially advised to read the relevant licensing manuals and frequently asked questions then to contact the Licensing and Standardization Department directly at the CBK for scheduling the informative meeting, which must be held before starting with the application process.<br \/>For more information please refer to the CBK\u2019s official website, namely the Financial Licensing menu: <a href=\"https:\/\/bqk-kos.org\/mbikeqyrja-financiare\/licencimi-i-institucioneve-financiare\/?lang=en\">https:\/\/bqk-kos.org\/mbikeqyrja-financiare\/licencimi-i-institucioneve-financiare\/?lang=en<\/a><\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2>Where and how can I get my credit history\/credit status?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>To be informed in more detail about your credit status, you must first apply for a credit report, which can be done in 3 ways:<\/p><p>Application to the Central Bank of the Republic of Kosovo, every working day from 8:00 to 12:00 and from 13:00 to 16:00 - shall be accompanied by a copy of the ID card and the application form for the credit report which is taken at CBK or downloaded from the CBK\u2019s official website: here<\/p><p>Application to any of the branches of commercial banks and through the citizen portal\u00a0<a href=\"http:\/\/www.raportikreditor.org\/\">http:\/\/www.raportikreditor.org\/\u00a0<\/a>where,\u00a0 after being registered, the registration form and copy of the ID card shall be printed and brought to the CBK.<\/p><p>Following is the link where you can get more detailed information about the credit report application: <a href=\"https:\/\/bqk-kos.org\/?lang=en\">https:\/\/bqk-kos.org\/?lang=en<\/a> whereas following that is the link where you can find the instructions to be followed in case of disputing the data in the Credit Registry system <a href=\"https:\/\/bqk-kos.org\/operacionet-bankare\/regjistri-i-kredive\/raporti-kreditor\/?lang=en\">https:\/\/bqk-kos.org\/operacionet-bankare\/regjistri-i-kredive\/raporti-kreditor\/?lang=en<\/a><\/p><p>We also would like to inform you that the client's history in the CBK Credit Registry is presented in the credit report in accordance with the applicable regulation. Once the criteria are met, the system automatically removes the historical information from being presented in the credit report.<\/p><p>*CBK does not place any client in any category and makes no change or removal of information.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2>Can the credit history be improved?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>Data storage in the credit history system of each client is determined by the respective regulations and cannot be corrected except for special cases when there is an error in reporting.<\/p><p>Based on the Instruction on Credit Registry\u00a0<strong>(<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Udhezimi-i-Regjistrit-te-Krediveshkurt20.pdf\">Credit Registry\u00a0<\/a>)<\/strong>, respectively Article 13, credit data shall be kept for up to five (5) years after the last update, with the remaining amount zero. Loans classified in the category W shall be submitted up to seven (7) years after the last update with the remaining amount zero. After this period, the data shall be archived. As for updating the data, you can refer to Article 5 of this instruction.<\/p><p>Bazuar n\u00eb Udh\u00ebzimin e Regjistrit t\u00eb Kredive (Regjistri i Kredive), p\u00ebrkat\u00ebsisht nenin 13, t\u00eb dh\u00ebnat kreditore do t\u00eb mbahen deri n\u00eb pes\u00eb (5) vite pas p\u00ebrdit\u00ebsimit t\u00eb fundit me shum\u00ebn e mbetur zero. Kredit\u00eb e klasifikuara n\u00eb kategorin\u00eb W do t\u00eb paraqiten deri n\u00eb shtat\u00eb (7) vite pas p\u00ebrdit\u00ebsimit t\u00eb fundit me shum\u00ebn e mbetur zero. Pas k\u00ebsaj periudhe t\u00eb dh\u00ebnat do t\u00eb arkivohen. Nd\u00ebrsa sa i p\u00ebrket p\u00ebrdit\u00ebsimit t\u00eb t\u00eb dh\u00ebnave mund t\u2019i referoheni nenit 5 t\u00eb k\u00ebtij udh\u00ebzimi.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2>How is the credit history created?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <div class=\"panel panel-default\"><div id=\"collapse-2148\" class=\"panel-collapse collapse in\" role=\"tabpanel\" aria-labelledby=\"heading-2148\" aria-expanded=\"true\"><div class=\"panel-body\"><p>Credit history is the history of debt payments repayment for each credit product you owe to the bank. Credit providers are required to provide for the Credit Registry accurate, complete and timely information on each credit product of their clients.<\/p><\/div><\/div><\/div>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                            <\/div>\r\n                        <div class=\"shared-pagination faq-wrapper-accordion\">\r\n                <ul>\r\n                                            <li class=\"active-page\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/4173\/\">1<\/a>\r\n                        <\/li>\r\n                                                <li class=\"\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/4173\/page\/2\/\">2<\/a>\r\n                        <\/li>\r\n                                                <li class=\"\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/4173\/page\/3\/\">3<\/a>\r\n                        <\/li>\r\n                                                <li class=\"\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/4173\/page\/4\/\">4<\/a>\r\n                        <\/li>\r\n                                        <\/ul>\r\n            <\/div>\r\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Frequently asked questions How can I contact the Central Bank of the Republic of Kosovo? You can contact the Central Bank of the Republic of Kosovo through: E-mail: info@bqk-kos.org Phone No.: +383 38 222 055 Official mail at:\u00a0Str. Garibaldi, No. 33 Prishtina, Kosovo. Can I open an account or get a loan at CBK? No. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4173","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Frequently asked questions - BQK Edu<\/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:\/\/bqk-kos.org\/edu\/pyetjet-me-te-shpeshta\/?lang=en\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frequently asked questions - BQK Edu\" \/>\n<meta property=\"og:description\" content=\"Frequently asked questions How can I contact the Central Bank of the Republic of Kosovo? 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