{"id":25780,"date":"2018-12-01T08:57:24","date_gmt":"2018-12-01T05:57:24","guid":{"rendered":"http:\/\/arantv.az\/?p=25780"},"modified":"2018-12-01T08:57:24","modified_gmt":"2018-12-01T05:57:24","slug":"ol%c9%99nl%c9%99rin-krediti-umidsiz-sayilacaq-yeni-qayda","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=25780","title":{"rendered":"\u00d6l\u0259nl\u0259rin krediti \u00fcmidsiz say\u0131lacaq – YEN\u0130 QAYDA"},"content":{"rendered":"

Banklarda istehlak kreditl\u0259rinin qaytar\u0131lmas\u0131 0-30 g\u00fcn gecikdikd\u0259 q\u0259na\u0259tb\u0259x\u015f, 31-90 g\u00fcn gecikdikd\u0259 n\u0259zar\u0259t alt\u0131nda olan, 91-120 g\u00fcn gecikdikd\u0259 qeyri-q\u0259na\u0259tb\u0259x\u015f say\u0131lacaq.<\/p>\n

ARANTV.AZ<\/strong> fed.az-a istinad\u0259n x\u0259b\u0259r verir ki, bu, Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n t\u0259sdiq etdiyi v\u0259 g\u0259l\u0259n il may\u0131n 29-da q\u00fcvv\u0259y\u0259 min\u0259c\u0259k “Aktivl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si v\u0259 m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259rin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi ehtiyatlar\u0131n yarad\u0131lmas\u0131 Qaydalar\u0131”nda \u0259ksini tap\u0131b.<\/p>\n

\u0130stehlak kreditinin qaytar\u0131lmas\u0131 121-150 g\u00fcn gecikdirildikd\u0259 t\u0259hl\u00fck\u0259li, 150 g\u00fcnd\u0259n art\u0131q gecikdirildikd\u0259 is\u0259 \u00fcmidsiz say\u0131lacaq.<\/p>\n

A\u015fa\u011f\u0131dak\u0131 hallarda istehlak kreditl\u0259ri yerl\u0259\u015fdirildiyi anda qeyri-q\u0259na\u0259tb\u0259x\u015f aktiv kimi t\u0259snifl\u0259\u015fdirilir:<\/p>\n

– borcalan\u0131n son 6 ay \u0259rzind\u0259 vaxt\u0131 ke\u00e7mi\u015f krediti olduqda;<\/p>\n

– borcalan\u0131n v\u0259 ya birg\u0259 borcalanlar qrupu \u00fczvl\u0259rinin g\u0259lirl\u0259rinin c\u0259mi v\u0259 borc y\u00fck\u00fc aras\u0131nda f\u0259rq \u00f6lk\u0259 \u00fczr\u0259 ya\u015fay\u0131\u015f minimumu g\u00f6st\u0259ricisind\u0259n a\u015fa\u011f\u0131 olduqda (bu Qaydalara 1 sayl\u0131 \u018flav\u0259d\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada hesablan\u0131r);<\/p>\n

<\/div>\n

– h\u0259yat\u0131n y\u0131\u011f\u0131m s\u0131\u011fortas\u0131 \u0259sas\u0131nda verilmi\u015f kreditl\u0259r istisna olmaqla m\u00fcqavil\u0259 \u015f\u0259rtl\u0259rin\u0259 \u0259sas\u0259n faizl\u0259rin \u00f6d\u0259nilm\u0259si d\u00f6vriliyi 90 g\u00fcnd\u0259n \u00e7ox olduqda;<\/p>\n

– borcun g\u0259lirl\u0259r\u0259 nisb\u0259ti \u0259msal\u0131 45%-d\u0259n art\u0131q olduqda:<\/p>\n

Sonuncu halla ba\u011fl\u0131 istisnalar da var. Bura xarici valyutada istehlak kreditl\u0259rinin t\u0259minat\u0131 qismind\u0259 eyni bankda xarici valyutada olan depozitl\u0259r (borcalana yaxud \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xs\u0259 aid) v\u0259 ya banka girov (saxlanc) qoyulmu\u015f bank metallar\u0131 \u00e7\u0131x\u0131\u015f etdikd\u0259 kreditin t\u0259minata olan nisb\u0259ti (KTN \u0259msal\u0131) 90%-d\u0259n \u00e7ox olmad\u0131\u011f\u0131, milli valyutada istehlak kreditl\u0259rinin t\u0259minat\u0131 qismind\u0259 eyni bankda olan depozitl\u0259r (borcalana yaxud \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xs\u0259 aid) v\u0259 banka girov (saxlanc) qoyulmu\u015f bank metallar\u0131 \u00e7\u0131x\u0131\u015f etdikd\u0259 KTN \u0259msal\u0131 90%-d\u0259n \u00e7ox olmad\u0131\u011f\u0131 v\u0259 milli valyutada istehlak kreditl\u0259ri \u00fczr\u0259 t\u0259minat qismind\u0259 banka girov (saxlanc) qoyulmu\u015f qiym\u0259tli metallar (bank metallar\u0131 istisna olmaqla) \u00e7\u0131x\u0131\u015f etdikd\u0259 KTN \u0259msal\u0131 70%-d\u0259n \u00e7ox olmad\u0131\u011f\u0131 hallar daxildir.<\/p>\n

Borcalan v\u0259fat etdikd\u0259, M\u00fclki M\u0259c\u0259ll\u0259d\u0259 m\u00fc\u0259yy\u0259n olunmu\u015f qaydada \u00f6lm\u00fc\u015f v\u0259 ya x\u0259b\u0259rsiz itkin d\u00fc\u015fm\u00fc\u015f hesab edildikd\u0259, yaxud \u00f6hd\u0259liyini icra etm\u0259y\u0259n borcalan\u0131 tapmaq m\u00fcmk\u00fcn olmad\u0131qda (“\u018fm\u0259liyyat-axtar\u0131\u015f f\u0259aliyy\u0259ti haqq\u0131nda”\u00a0 qanuna m\u00fcvafiq olaraq h\u0259min \u015f\u0259xs haqq\u0131nda axtar\u0131\u015f t\u0259dbirl\u0259rin\u0259 ba\u015fland\u0131qda) istehlak krediti \u00fcmidsiz aktiv kimi t\u0259snifl\u0259\u015fdiril\u0259c\u0259k.<\/p>\n","protected":false},"excerpt":{"rendered":"

Banklarda istehlak kreditl\u0259rinin qaytar\u0131lmas\u0131 0-30 g\u00fcn gecikdikd\u0259 q\u0259na\u0259tb\u0259x\u015f, 31-90 g\u00fcn gecikdikd\u0259 n\u0259zar\u0259t alt\u0131nda olan, 91-120 g\u00fcn gecikdikd\u0259 qeyri-q\u0259na\u0259tb\u0259x\u015f say\u0131lacaq. ARANTV.AZ fed.az-a istinad\u0259n x\u0259b\u0259r verir ki, bu, Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n t\u0259sdiq etdiyi v\u0259 g\u0259l\u0259n il may\u0131n 29-da q\u00fcvv\u0259y\u0259 min\u0259c\u0259k “Aktivl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si v\u0259 m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259rin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi ehtiyatlar\u0131n yarad\u0131lmas\u0131 Qaydalar\u0131”nda \u0259ksini tap\u0131b. \u0130stehlak kreditinin qaytar\u0131lmas\u0131 121-150 g\u00fcn gecikdirildikd\u0259 t\u0259hl\u00fck\u0259li, 150 g\u00fcnd\u0259n art\u0131q gecikdirildikd\u0259 is\u0259 \u00fcmidsiz say\u0131lacaq. A\u015fa\u011f\u0131dak\u0131 hallarda istehlak kreditl\u0259ri yerl\u0259\u015fdirildiyi anda qeyri-q\u0259na\u0259tb\u0259x\u015f aktiv kimi t\u0259snifl\u0259\u015fdirilir: – borcalan\u0131n son 6 ay \u0259rzind\u0259 vaxt\u0131 ke\u00e7mi\u015f krediti olduqda; – borcalan\u0131n v\u0259 ya…<\/p>\n","protected":false},"author":2,"featured_media":25781,"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\/708657.jpg",750,375,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657.jpg",750,375,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657.jpg",750,375,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657-300x150.jpg",300,150,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657.jpg",640,320,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657.jpg",750,375,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657.jpg",750,375,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/12\/708657.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":"Banklarda istehlak kreditl\u0259rinin qaytar\u0131lmas\u0131 0-30 g\u00fcn gecikdikd\u0259 q\u0259na\u0259tb\u0259x\u015f, 31-90 g\u00fcn gecikdikd\u0259 n\u0259zar\u0259t alt\u0131nda olan, 91-120 g\u00fcn gecikdikd\u0259 qeyri-q\u0259na\u0259tb\u0259x\u015f say\u0131lacaq. ARANTV.AZ fed.az-a istinad\u0259n x\u0259b\u0259r verir ki, bu, Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n t\u0259sdiq etdiyi v\u0259 g\u0259l\u0259n il may\u0131n 29-da q\u00fcvv\u0259y\u0259 min\u0259c\u0259k “Aktivl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si v\u0259 m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259rin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi ehtiyatlar\u0131n yarad\u0131lmas\u0131 Qaydalar\u0131”nda \u0259ksini tap\u0131b. \u0130stehlak kreditinin qaytar\u0131lmas\u0131…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/25780"}],"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=25780"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/25780\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/25781"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}