Yax\u0131n zamanlarda sat\u0131n almaq m\u0259qs\u0259di il\u0259 kiray\u0259 m\u0259nzill\u0259rin t\u0259klif edilm\u0259si g\u00f6zl\u0259nilir.<\/p>\n
ARANTV.AZ\u00a0<\/b> x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisad\u00e7\u0131 V\u00fcqar Bayramov payla\u015f\u0131m edib.<\/p>\n
Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 \u0130qtisadi v\u0259 Sosial \u0130nki\u015faf M\u0259rk\u0259zinin (CESD) qiym\u0259tl\u0259ndirm\u0259l\u0259rin\u0259 g\u00f6r\u0259, kiray\u0259 m\u0259nzill\u0259r\u0259 t\u0259l\u0259b y\u00fcks\u0259k oldu\u011fundan onlar\u0131n sat\u0131\u015f\u0131 il\u0259 ba\u011fl\u0131 q\u0259rar verildikd\u0259n sonra v\u0259t\u0259nda\u015f m\u00fcraci\u0259tl\u0259rinin say\u0131 h\u0259dd\u0259n art\u0131q \u00e7ox olacaq:<\/p>\n
\u201cM\u0259hz bunu n\u0259z\u0259r\u0259 alan CESD, beyin m\u0259rk\u0259zi olaraq kiray\u0259 m\u0259nzill\u0259r\u0259 m\u00fcraci\u0259tl\u0259 ba\u011fl\u0131 \u015f\u0259rtl\u0259rin t\u0259hlilini apar\u0131b. T\u0259hlill\u0259r g\u00f6st\u0259rir ki, kiray\u0259 m\u0259nzil\u0259r\u0259 m\u00fcraci\u0259t \u015f\u0259rtl\u0259ri indiki \u015f\u0259kild\u0259 saxlan\u0131lsa, x\u00fcsusil\u0259 azt\u0259minatl\u0131 ail\u0259l\u0259r, qism\u0259n orta t\u0259b\u0259q\u0259 \u00fc\u00e7\u00fcn\u00a0bir s\u0131ra \u00e7\u0259tinlikl\u0259r yarada bil\u0259r.<\/p>\n
\u015e\u0259rtl\u0259r\u0259 \u0259sas\u0259n, m\u00fcraci\u0259t\u00e7il\u0259r kredit tarix\u00e7\u0259sin\u0259 g\u00f6r\u0259 \u00fc\u00e7\u00a0yer\u0259 – kifay\u0259t, q\u0259na\u0259tb\u0259x\u015f v\u0259 m\u0259nfi qiym\u0259tl\u0259ndiril\u0259n qruplara ayr\u0131lacaq. \u018fg\u0259r \u0259riz\u0259\u00e7inin kredit \u00fczr\u0259 12 ayl\u0131q \u00f6hd\u0259liyi varsa, 24 ay \u0259rzind\u0259 60 g\u00fcnd\u0259n \u00e7ox yubanmas\u0131 yoxdursa, b\u00fct\u00f6vl\u00fckd\u0259 kredit g\u00f6t\u00fcrd\u00fcy\u00fc m\u00fcdd\u0259td\u0259 90 g\u00fcnd\u0259n \u00e7ox gecikm\u0259si m\u00f6vcud deyils\u0259, m\u00fcraci\u0259t m\u00fcsb\u0259t qiym\u0259tl\u0259ndirilir. Q\u0259na\u0259tb\u0259x\u015f o m\u00fcraci\u0259t\u00e7il\u0259rdir ki, onlar\u0131n kredit tarix\u00e7\u0259si yoxdur. Eyni zamanda, m\u00fcsb\u0259t v\u0259 ya m\u0259nfi kredit tarxi\u00e7\u0259sin\u0259 aid deyill\u0259r. O, v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n kredit tarix\u00e7\u0259si m\u0259nfidir ki, onlar\u0131n son 12 ayda 90 g\u00fcnd\u0259n \u00e7ox yubanmas\u0131 m\u00f6vcuddur\u201d.<\/p>\n
V.Bayramov b\u00fct\u00fcn bunlar\u0131 n\u0259z\u0259r\u0259 alaraq, g\u0259l\u0259c\u0259kd\u0259 \u00e7\u0259tinlikl\u0259rin ya\u015fanmamas\u0131 \u00fc\u00e7\u00fcn bir s\u0131ra t\u0259klifl\u0259r ir\u0259li s\u00fcr\u00fcb:<\/p>\n
\u201cT\u0259klif edirik ki, m\u00fcraci\u0259tl\u0259rin kredit tarxi\u00e7\u0259sin\u0259 g\u00f6r\u0259 qrupla\u015fd\u0131r\u0131lmas\u0131 meyar\u0131na d\u0259yi\u015fiklikl\u0259r edilsin. \u00c7\u00fcnki 2015-ci ild\u0259 ba\u015f ver\u0259n devalivasiyadan sonra v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n \u00e7oxunun kredit \u00f6d\u0259m\u0259sind\u0259 probleml\u0259r yaran\u0131b. X\u00fcsusil\u0259, xarici valyutada g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259rin manat ifad\u0259sind\u0259 \u00f6hd\u0259likl\u0259rinin artmas\u0131 \u0259sas problem idi. El\u0259 bu s\u0259b\u0259bd\u0259n d\u0259 Az\u0259rbaycan Respublikas\u0131 Prezidentinin t\u0259\u015f\u0259bb\u00fcs\u00fc il\u0259 2019-cu il fevral\u0131n 28-d\u0259 problemli kreditl\u0259r\u0259 g\u00fcz\u0259\u015ftl\u0259r t\u0259tbiq olundu. M\u0259hz bu sosial f\u0259rman\u0131n verilm\u0259sind\u0259n sonra, x\u00fcsus\u0259n d\u0259 sosial layih\u0259l\u0259rd\u0259 kredit tarxi\u00e7\u0259sinin n\u0259z\u0259r\u0259 al\u0131nmas\u0131 arzuolunan deyil. \u00c7\u00fcnki t\u0259dqiqatlar g\u00f6st\u0259rir ki, kredit tarix\u00e7\u0259sinin m\u0259nfil\u0259\u015fm\u0259si \u0259ks\u0259r hallarda v\u0259t\u0259nda\u015f\u0131n \u00f6z\u00fcnd\u0259n as\u0131l\u0131 olmayan, x\u00fcsus\u0259n d\u0259 manat\u0131n m\u0259z\u0259nn\u0259sinin xarici valyutaya nisb\u0259t\u0259n a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si n\u0259tic\u0259sind\u0259 ba\u015f verib. O bax\u0131mdan biz m\u00fcraci\u0259tl\u0259rin kredit tarxi\u00e7\u0259sin\u0259 g\u00f6r\u0259 qrupla\u015fd\u0131r\u0131lmas\u0131n\u0131n t\u0259r\u0259fdar\u0131 deyilik. Hesab edirik ki, qeyd olunan g\u00fcnl\u0259rin d\u0259yi\u015fdirilm\u0259sin\u0259 ehtiyac var. M\u0259s\u0259l\u0259n, qaydalara g\u00f6r\u0259, \u0259g\u0259r \u0259riz\u0259\u00e7inin 12 ay \u0259rzind\u0259 90 g\u00fcnd\u0259n \u00e7ox yubanmas\u0131 varsa, bu, m\u0259nfi qiym\u0259tl\u0259ndirilir. Yax\u015f\u0131 olar ki, kredit tarix\u00e7\u0259si bel\u0259 q\u0131sa m\u00fcdd\u0259t\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sin\u201d.Oxu.Az<\/p>\n","protected":false},"excerpt":{"rendered":"
Yax\u0131n zamanlarda sat\u0131n almaq m\u0259qs\u0259di il\u0259 kiray\u0259 m\u0259nzill\u0259rin t\u0259klif edilm\u0259si g\u00f6zl\u0259nilir. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisad\u00e7\u0131 V\u00fcqar Bayramov payla\u015f\u0131m edib. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 \u0130qtisadi v\u0259 Sosial \u0130nki\u015faf M\u0259rk\u0259zinin (CESD) qiym\u0259tl\u0259ndirm\u0259l\u0259rin\u0259 g\u00f6r\u0259, kiray\u0259 m\u0259nzill\u0259r\u0259 t\u0259l\u0259b y\u00fcks\u0259k oldu\u011fundan onlar\u0131n sat\u0131\u015f\u0131 il\u0259 ba\u011fl\u0131 q\u0259rar verildikd\u0259n sonra v\u0259t\u0259nda\u015f m\u00fcraci\u0259tl\u0259rinin say\u0131 h\u0259dd\u0259n art\u0131q \u00e7ox olacaq: \u201cM\u0259hz bunu n\u0259z\u0259r\u0259 alan CESD, beyin m\u0259rk\u0259zi olaraq kiray\u0259 m\u0259nzill\u0259r\u0259 m\u00fcraci\u0259tl\u0259 ba\u011fl\u0131 \u015f\u0259rtl\u0259rin t\u0259hlilini apar\u0131b. T\u0259hlill\u0259r g\u00f6st\u0259rir ki, kiray\u0259 m\u0259nzil\u0259r\u0259 m\u00fcraci\u0259t \u015f\u0259rtl\u0259ri indiki \u015f\u0259kild\u0259 saxlan\u0131lsa, x\u00fcsusil\u0259 azt\u0259minatl\u0131 ail\u0259l\u0259r, qism\u0259n orta t\u0259b\u0259q\u0259 \u00fc\u00e7\u00fcn\u00a0bir s\u0131ra \u00e7\u0259tinlikl\u0259r yarada…<\/p>\n","protected":false},"author":2,"featured_media":113390,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440.jpg",620,440,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440.jpg",620,440,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440.jpg",620,440,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440-300x213.jpg",300,213,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440.jpg",620,440,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440.jpg",620,440,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440.jpg",620,440,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/12\/ev_almaq_0125-620x440.jpg",620,440,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Yax\u0131n zamanlarda sat\u0131n almaq m\u0259qs\u0259di il\u0259 kiray\u0259 m\u0259nzill\u0259rin t\u0259klif edilm\u0259si g\u00f6zl\u0259nilir. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisad\u00e7\u0131 V\u00fcqar Bayramov payla\u015f\u0131m edib. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 \u0130qtisadi v\u0259 Sosial \u0130nki\u015faf M\u0259rk\u0259zinin (CESD) qiym\u0259tl\u0259ndirm\u0259l\u0259rin\u0259 g\u00f6r\u0259, kiray\u0259 m\u0259nzill\u0259r\u0259 t\u0259l\u0259b y\u00fcks\u0259k oldu\u011fundan onlar\u0131n sat\u0131\u015f\u0131 il\u0259 ba\u011fl\u0131 q\u0259rar verildikd\u0259n sonra v\u0259t\u0259nda\u015f m\u00fcraci\u0259tl\u0259rinin say\u0131 h\u0259dd\u0259n art\u0131q \u00e7ox olacaq:…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/113389"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=113389"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/113389\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/113390"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=113389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=113389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=113389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}