{"id":25777,"date":"2018-12-01T08:48:43","date_gmt":"2018-12-01T05:48:43","guid":{"rendered":"http:\/\/arantv.az\/?p=25777"},"modified":"2018-12-01T08:48:43","modified_gmt":"2018-12-01T05:48:43","slug":"%c9%99mlak-girovu-il%c9%99-krediti-hansi-banklar-verir-siyahi","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=25777","title":{"rendered":"\u018fmlak girovu il\u0259 krediti hans\u0131 banklar verir – S\u0130YAHI"},"content":{"rendered":"

Banklar\u0131n m\u00fc\u015ft\u0259rinin r\u0259smi g\u0259lir \u0259sas\u0131nda ay\u0131rd\u0131\u011f\u0131 istehlak kreditl\u0259rinin maksimal limiti ad\u0259t\u0259n 15 – 20 min manat civar\u0131nda olur. M\u00fcvafiq kreditl\u0259rin r\u0259smil\u0259\u015fdirilm\u0259si zaman\u0131 kredit ya t\u0259minats\u0131z ya da fiziki \u015f\u0259xsin zaminliyi il\u0259 verilir. H\u0259m\u00e7inin bu n\u00f6v kreditl\u0259rin r\u0259smil\u0259\u015fdirilm\u0259si zaman\u0131 Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n sa\u011flam kreditl\u0259\u015fm\u0259 prinsipl\u0259rinin qorunmas\u0131 m\u0259qs\u0259dil\u0259 Banklara t\u00f6vsiyy\u0259 etdiyi DT\u0130 (debt to income) \u0259msal\u0131 da n\u0259z\u0259r\u0259 al\u0131n\u0131r. Bu \u0259msal\u0131n prinsipin\u0259 \u0259sas\u0259n m\u00fc\u015ft\u0259rinin aktiv borc \u00f6hd\u0259likl\u0259ri \u00fczr\u0259 ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rin c\u0259mi onun r\u0259smi xalis g\u0259lirinin maksimum\u00a0 50%-i h\u0259cmind\u0259 ola bil\u0259r.<\/p>\n

ARANTV.AZ<\/strong> fed.az-a istinad\u0259n x\u0259b\u0259r verir ki, \u0259g\u0259r m\u00fc\u015ft\u0259rinin r\u0259smi xalis g\u0259liri \u00f6lk\u0259 \u00fczr\u0259 ya\u015fay\u0131\u015f minimumunun (bu g\u00f6st\u0259rici 2018-ci il \u00fczr\u0259 173 AZN t\u0259\u015fkil edir) 3 mislind\u0259n azd\u0131rsa bu \u0259msal 40% olaraq n\u0259z\u0259r\u0259 al\u0131nmal\u0131d\u0131r. Bu \u0259msal\u0131n t\u0259tbiq edilm\u0259si , h\u0259m\u00e7inin Banklar\u0131n b\u0259zil\u0259rinin d\u0259 \u00f6z n\u00f6vb\u0259sind\u0259 t\u0259tbiq etdiyi risk al\u0259tl\u0259ri m\u00fc\u015ft\u0259rinin daha \u00e7ox m\u0259bl\u0259\u011fd\u0259 kredit \u0259ld\u0259 etm\u0259sin\u0259 mane\u00e7ilik t\u00f6r\u0259dir. Lakin t\u0259minat\u0131 qismind\u0259 da\u015f\u0131nmaz \u0259mlak girovu olan kreditl\u0259rd\u0259 Banklar kredit \u015f\u0259rtl\u0259rini daha loyal t\u0259yin edirl\u0259r. S\u0259b\u0259b h\u0259m MBNP-n\u0131n bu tip kreditl\u0259r \u00fczr\u0259 DT\u0130 \u0259msal\u0131 t\u0259l\u0259bini t\u0259tbiq etm\u0259m\u0259si h\u0259m d\u0259 tam t\u0259minatl\u0131 kreditl\u0259rin daha risksiz kreditl\u0259r kimi t\u0259snifl\u0259\u015fdirilm\u0259sidir.<\/p>\n

Da\u015f\u0131nmaz \u0259mlak t\u0259minat\u0131 il\u0259 r\u0259smil\u0259\u015fdiril\u0259n kreditl\u0259r \u00fczr\u0259 maksimal m\u0259bl\u0259\u011f adi istehlak kreditl\u0259rind\u0259n 3-4 d\u0259f\u0259 daha y\u00fcks\u0259k olur. Kredit daha uzunm\u00fcdd\u0259tli v\u0259 daha a\u015fa\u011f\u0131 faizl\u0259 t\u0259klif edilir. Lakin bir m\u0259qam\u0131 da unutmaq olmaz ki, bu n\u00f6v kreditl\u0259rd\u0259 \u0259riz\u0259\u00e7inin r\u0259smi g\u0259lirin\u0259 qar\u015f\u0131 olan t\u0259l\u0259b \u00f6z q\u00fcvv\u0259sind\u0259 qal\u0131r. Y\u0259ni , da\u015f\u0131nmaz \u0259mlak t\u0259minat\u0131 il\u0259 kreditl\u0259ri yaln\u0131z r\u0259smi i\u015f yeri olan v\u0259 g\u0259liri aray\u0131\u015f, \u00e7\u0131xar\u0131\u015f v\u0259 s.s\u0259n\u0259dl\u0259rl\u0259 t\u0259sdiq edil\u0259n \u015f\u0259xsl\u0259r \u0259ld\u0259 bil\u0259rl\u0259r. \u0130lk \u00f6nc\u0259 girov qoyulan \u0259mlak qiym\u0259tl\u0259ndirm\u0259 \u015firk\u0259ti v\u0259 ya bank\u0131n m\u00fcvafiq departamenti t\u0259r\u0259find\u0259n qiym\u0259tl\u0259ndirilir. Likvidlik bax\u0131m\u0131ndan banklar daha \u00e7ox yeni v\u0259 k\u00f6hn\u0259 tikili m\u0259nzill\u0259rin girov qismind\u0259 g\u00f6t\u00fcr\u00fclm\u0259sind\u0259 maraql\u0131d\u0131rlar. Ba\u011f evl\u0259ri, torpaq sah\u0259l\u0259ri, obyekt v\u0259 s. kimi \u0259mlaklar\u0131n girov g\u00f6t\u00fcr\u00fclm\u0259si arzuolunan deyil. Ad\u0259t\u0259n \u0259mlaka qoyulan qiym\u0259tin maksimum 70-80%-i h\u0259cmind\u0259 kreditl\u0259r ayr\u0131l\u0131r ki, bu da kredit m\u00fcdd\u0259ti \u0259rzind\u0259 ba\u015f ver\u0259 bil\u0259c\u0259k fors major (inflyasiya, devalvasiya v\u0259 s) hallar\u0131na qar\u015f\u0131 olan risk al\u0259tidir. Statistik m\u0259lumatlara \u0259sas\u0259n bu n\u00f6v kreditl\u0259rin qaytar\u0131lmama v\u0259 gecikm\u0259 riski \u00e7ox a\u015fa\u011f\u0131d\u0131r. M\u00fc\u015ft\u0259ri t\u0259r\u0259find\u0259n hans\u0131sa bir m\u0259suliyy\u0259tsizlik v\u0259 ya \u00f6d\u0259ni\u015f qabiliyy\u0259tinin itirilm\u0259si hal\u0131nda banklar m\u00fcqavil\u0259 \u015f\u0259rtl\u0259rind\u0259n ir\u0259li g\u0259l\u0259n h\u00fcquqla m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t edib \u0259mlak\u0131 sat\u0131\u015fa \u00e7\u0131xara v\u0259 sat\u0131\u015fdan \u0259ld\u0259 edil\u0259n pulun kredit borcunun \u00f6d\u0259nilm\u0259sin\u0259 y\u00f6nl\u0259ndir\u0259 bil\u0259rl\u0259r.<\/p>\n

<\/div>\n

B\u0259s hans\u0131 Bankdan bu kreditl\u0259ri \u0259ld\u0259 etm\u0259k m\u00fcmk\u00fcnd\u00fcr? Monitorinq qrupumuzun ara\u015fd\u0131rmas\u0131 n\u0259tic\u0259sind\u0259 m\u0259lumumuz oldu ki, bu n\u00f6v kreditl\u0259r adi istehlak kreditl\u0259ri q\u0259d\u0259r geni\u015f yay\u0131lmam\u0131\u015fd\u0131r. Kredit \u015f\u0259rtl\u0259rind\u0259 is\u0259 f\u0259rqlilikl\u0259r m\u00f6vcuddur. Ara\u015fd\u0131rma n\u0259tic\u0259sind\u0259 \u0259ld\u0259 etdiyimiz m\u0259lumatlar\u0131 Sizl\u0259r\u0259 t\u0259qdim edirik. \u00dcmid edirik ki, bu kredit \u00fczr\u0259 maraql\u0131 olan \u015f\u0259xsl\u0259r bu m\u0259lumatlar \u0259sas\u0131nda \u00f6zl\u0259rin\u0259 uy\u011fun olan Bank\u0131 tapa bil\u0259c\u0259kl\u0259r.<\/p>\n","protected":false},"excerpt":{"rendered":"

Banklar\u0131n m\u00fc\u015ft\u0259rinin r\u0259smi g\u0259lir \u0259sas\u0131nda ay\u0131rd\u0131\u011f\u0131 istehlak kreditl\u0259rinin maksimal limiti ad\u0259t\u0259n 15 – 20 min manat civar\u0131nda olur. M\u00fcvafiq kreditl\u0259rin r\u0259smil\u0259\u015fdirilm\u0259si zaman\u0131 kredit ya t\u0259minats\u0131z ya da fiziki \u015f\u0259xsin zaminliyi il\u0259 verilir. H\u0259m\u00e7inin bu n\u00f6v kreditl\u0259rin r\u0259smil\u0259\u015fdirilm\u0259si zaman\u0131 Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n sa\u011flam kreditl\u0259\u015fm\u0259 prinsipl\u0259rinin qorunmas\u0131 m\u0259qs\u0259dil\u0259 Banklara t\u00f6vsiyy\u0259 etdiyi DT\u0130 (debt to income) \u0259msal\u0131 da n\u0259z\u0259r\u0259 al\u0131n\u0131r. Bu \u0259msal\u0131n prinsipin\u0259 \u0259sas\u0259n m\u00fc\u015ft\u0259rinin aktiv borc \u00f6hd\u0259likl\u0259ri \u00fczr\u0259 ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rin c\u0259mi onun r\u0259smi xalis g\u0259lirinin maksimum\u00a0 50%-i h\u0259cmind\u0259 ola bil\u0259r. ARANTV.AZ fed.az-a istinad\u0259n x\u0259b\u0259r verir ki, \u0259g\u0259r m\u00fc\u015ft\u0259rinin r\u0259smi xalis g\u0259liri…<\/p>\n","protected":false},"author":2,"featured_media":25778,"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\/2018\/12\/708656.jpg",750,375,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656.jpg",750,375,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656.jpg",750,375,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656-300x150.jpg",300,150,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656.jpg",640,320,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656.jpg",750,375,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656.jpg",750,375,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708656.jpg",750,375,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":"Banklar\u0131n m\u00fc\u015ft\u0259rinin r\u0259smi g\u0259lir \u0259sas\u0131nda ay\u0131rd\u0131\u011f\u0131 istehlak kreditl\u0259rinin maksimal limiti ad\u0259t\u0259n 15 – 20 min manat civar\u0131nda olur. M\u00fcvafiq kreditl\u0259rin r\u0259smil\u0259\u015fdirilm\u0259si zaman\u0131 kredit ya t\u0259minats\u0131z ya da fiziki \u015f\u0259xsin zaminliyi il\u0259 verilir. H\u0259m\u00e7inin bu n\u00f6v kreditl\u0259rin r\u0259smil\u0259\u015fdirilm\u0259si zaman\u0131 Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n sa\u011flam kreditl\u0259\u015fm\u0259 prinsipl\u0259rinin qorunmas\u0131 m\u0259qs\u0259dil\u0259 Banklara t\u00f6vsiyy\u0259 etdiyi DT\u0130 (debt to income) \u0259msal\u0131…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/25777"}],"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=25777"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/25777\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/25778"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}