{"id":360797,"date":"2021-07-28T08:07:20","date_gmt":"2021-07-28T05:07:20","guid":{"rendered":"http:\/\/arantv.az\/?p=360797"},"modified":"2021-07-28T08:07:20","modified_gmt":"2021-07-28T05:07:20","slug":"t%c9%99l%c9%99b%c9%99-krediti-bel%c9%99-qaytarilacaq-qaydalar","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=360797","title":{"rendered":"T\u0259l\u0259b\u0259 krediti BEL\u018f QAYTARILACAQ – QAYDALAR"},"content":{"rendered":"

T\u0259l\u0259b\u0259 T\u0259hsil Kreditl\u0259rinin (TTK) qaytar\u0131lmas\u0131 qaydas\u0131 a\u00e7\u0131qlan\u0131b.<\/strong><\/p>\n

ARANTV.AZ<\/strong> x\u0259b\u0259r verir ki, bu, bar\u0259d\u0259 m\u0259lumat Nazirl\u0259r Kabinetinin t\u0259sdiql\u0259diyi \u201cT\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondunun v\u0259saiti hesab\u0131na t\u0259hsil t\u0259l\u0259b\u0259 kreditl\u0259rinin verilm\u0259si qaydas\u0131\u201dnda yer al\u0131b.<\/p>\n

S\u0259n\u0259d\u0259 \u0259sas\u0259n, borcalan TTK-ni bu Qayda il\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada \u0259vv\u0259lc\u0259d\u0259n t\u0259sdiq edilmi\u015f \u00f6d\u0259ni\u015f c\u0259dv\u0259li \u00fczr\u0259 qaytar\u0131r.<\/p>\n

Borcalanda TTK-nin qaytar\u0131lmas\u0131 \u00f6hd\u0259liyi TTK-nin qaytar\u0131lma d\u00f6vr\u00fcnd\u0259, y\u0259ni g\u00fcz\u0259\u015ft d\u00f6vr\u00fcnd\u0259n sonra yaran\u0131r.<\/p>\n

TTK alm\u0131\u015f, lakin t\u0259hsilini ba\u015fa \u00e7atd\u0131rmam\u0131\u015f v\u0259 t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259n xaric olunmu\u015f borcalana m\u00fcnasib\u0259td\u0259 TTK-nin qaytar\u0131lmas\u0131 \u00f6hd\u0259liyi bu hallar\u0131n t\u0259hsil m\u00fc\u0259ssis\u0259si t\u0259r\u0259find\u0259n r\u0259smil\u0259\u015fdirildiyi g\u00fcnd\u0259n ba\u015flan\u0131r.<\/p>\n

G\u00fcz\u0259\u015ft d\u00f6vr\u00fcnd\u0259 borcalan\u0131n \u0259m\u0259k v\u0259 ya sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful oldu\u011fu m\u00fc\u0259yy\u0259n edil\u0259rs\u0259, t\u0259l\u0259b\u0259 kreditl\u0259rinin qaytar\u0131lmas\u0131 \u00f6hd\u0259liyi bu f\u0259aliyy\u0259tin ba\u015fland\u0131\u011f\u0131 tarixd\u0259n yaran\u0131r.<\/p>\n

Bu Qaydada m\u00f6vcud olan hallarda \u00f6d\u0259ni\u015f c\u0259dv\u0259li h\u0259min hallar\u0131n yarand\u0131\u011f\u0131 g\u00fcnd\u0259n ba\u015flayaraq yenid\u0259n t\u0259rtib edilir.<\/p>\n

TTK-nin qaytar\u0131lmas\u0131 d\u00f6vr\u00fcnd\u0259 a\u015fa\u011f\u0131dak\u0131 hallar ba\u015f ver\u0259rs\u0259, TTK-nin qaytar\u0131lmas\u0131na m\u00f6hl\u0259t verilir v\u0259 kredit m\u00fcqavil\u0259sinin m\u00fcdd\u0259ti h\u0259min m\u00fcdd\u0259t q\u0259d\u0259r uzad\u0131l\u0131r:<\/strong><\/p>\n

Yuxar\u0131 t\u0259hsil s\u0259viyy\u0259sind\u0259 \u0259yani t\u0259hsil;<\/p>\n

H\u0259qiqi h\u0259rbi xidm\u0259t;<\/p>\n

M\u0259hkumluq (d\u00f6rd ild\u0259n \u00e7ox olmayaraq azadl\u0131qdan m\u0259hrumetm\u0259 v\u0259 ya azadl\u0131\u011f\u0131n m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131);<\/p>\n

\u0130\u015fl\u0259y\u0259n borcalana m\u00fcnasib\u0259td\u0259 hamil\u0259liy\u0259 v\u0259 do\u011fuma g\u00f6r\u0259 v\u0259 u\u015fa\u011f\u0131n\u0131n \u00fc\u00e7 ya\u015f\u0131 tamam olanad\u0259k ona qulluq etm\u0259kd\u0259n \u00f6tr\u00fc qism\u0259n \u00f6d\u0259ni\u015fli sosial m\u0259zuniyy\u0259td\u0259 oldu\u011fu m\u00fcdd\u0259t;<\/p>\n

Sa\u011flaml\u0131q imkanlar\u0131 m\u0259hdud 18 ya\u015f\u0131nad\u0259k u\u015faqlara v\u0259 I d\u0259r\u0259c\u0259 \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 qulluq m\u00fcdd\u0259ti.<\/p>\n

M\u00f6hl\u0259t m\u00fcdd\u0259tind\u0259 t\u0259l\u0259b\u0259nin \u0259m\u0259k v\u0259 ya sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olmas\u0131 fakt\u0131 a\u015fkarlanarsa, m\u00f6hl\u0259t m\u00fcdd\u0259ti bu f\u0259aliyy\u0259t\u0259 ba\u015flama tarixind\u0259n l\u0259\u011fv edilir.<\/p>\n

TTK-y\u0259 g\u00f6r\u0259 m\u00f6hl\u0259t m\u00fcv\u0259kkil banka t\u0259qdim edildikd\u0259 verilir. Bu s\u0259n\u0259dl\u0259rd\u0259ki m\u0259lumatlar m\u00fcv\u0259kkil bank t\u0259r\u0259find\u0259n elektron qaydada \u0259ld\u0259 edildiyi halda, qeyd edil\u0259n s\u0259n\u0259dl\u0259r ka\u011f\u0131z da\u015f\u0131y\u0131c\u0131da t\u0259l\u0259b\u0259d\u0259n t\u0259l\u0259b olunmur.<\/p>\n

TTK vaxt\u0131ndan \u0259vv\u0259l qaytar\u0131la bil\u0259r.<\/p>\n

TTK borcalan\u0131n \u00f6z\u00fc v\u0259 ya onun \u0259v\u0259zin\u0259 h\u0259r hans\u0131 bir \u015f\u0259xs (valideyni, qohumu, i\u015f\u0259g\u00f6t\u00fcr\u0259ni v\u0259 s.) t\u0259r\u0259find\u0259n qaytar\u0131la bil\u0259r.<\/p>\n

\u018fm\u0259k m\u00fcqavil\u0259si il\u0259 i\u015fl\u0259y\u0259n v\u0259 ya sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olan, lakin \u00f6d\u0259ni\u015f c\u0259dv\u0259lin\u0259 uy\u011fun TTK-ni qaytarmayan \u015f\u0259xsl\u0259rd\u0259n TTK \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r \u0259m\u0259khaqq\u0131ndan v\u0259 ya tutulur. Dig\u0259r hallarda \u00f6d\u0259ni\u015f c\u0259dv\u0259lin\u0259 uy\u011fun TTK-ni qaytarmayan borcalan\u0131n TTK \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259ri m\u0259hk\u0259m\u0259 qaydas\u0131nda tutulur.<\/p>\n

\u018fm\u0259k m\u00fcqavil\u0259si il\u0259 i\u015fl\u0259y\u0259n borcalan\u0131n \u0259m\u0259khaqq\u0131ndan TTK-nin tutulmas\u0131 \u018fm\u0259k M\u0259c\u0259ll\u0259sinin 175-ci madd\u0259sinin t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun h\u0259yata ke\u00e7irilir. Bel\u0259 olan halda kredit m\u00fcqavil\u0259si ba\u011flanan zaman t\u0259l\u0259b\u0259 t\u0259r\u0259find\u0259n t\u0259qdim edil\u0259n TTK \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin \u0259m\u0259khaqq\u0131ndan tutulmas\u0131 bar\u0259d\u0259 notariat qaydada t\u0259sdiq olunmu\u015f raz\u0131l\u0131\u011f\u0131 \u0259sas g\u00f6t\u00fcr\u00fcl\u00fcr.<\/p>\n

Borcalan\u0131n \u0259m\u0259k f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olmas\u0131 hal\u0131 sistem\u0259 inteqrasiya olunmu\u015f \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin m\u0259rk\u0259zl\u0259\u015fdirilmi\u015f elektron informasiya sistemi vasit\u0259sil\u0259 m\u00fc\u0259yy\u0259n edilir. M\u00fcv\u0259kkil bank bu sistem\u0259 \u00e7\u0131x\u0131\u015f \u0259ld\u0259 ed\u0259r\u0259k, \u0259m\u0259khaqq\u0131ndan kredit \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin tutulmas\u0131 bar\u0259d\u0259 borcalan\u0131n notariat qaydas\u0131nda t\u0259sdiq olunmu\u015f raz\u0131l\u0131\u011f\u0131n\u0131 i\u015f\u0259g\u00f6t\u00fcr\u0259n\u0259 g\u00f6nd\u0259r\u0259r\u0259k \u00f6d\u0259ni\u015fl\u0259ri t\u0259l\u0259b edir.<\/p>\n

Sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olan borcalandan TTK \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r onlar\u0131n bank hesablar\u0131ndan TTK g\u00f6t\u00fcrm\u00fc\u015f borcalan\u0131n notariat qaydas\u0131nda t\u0259sdiq olunmu\u015f raz\u0131l\u0131\u011f\u0131 t\u0259qdim olunmaqla tutulur. M\u00fcv\u0259kkil bank sistem\u0259 inteqrasiya olunmu\u015f \u0130qtisadiyyat Nazirliyinin Avtomatla\u015fd\u0131r\u0131lm\u0131\u015f Vergi \u0130nformasiya Sistemi vasit\u0259sil\u0259 borcalan\u0131n sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olub-olmamas\u0131, el\u0259c\u0259 d\u0259 bank hesablar\u0131 bar\u0259d\u0259 m\u0259lumatlar\u0131 \u0259ld\u0259 edir.<\/p>\n

Borcalan TTK \u00fczr\u0259 \u00f6hd\u0259likl\u0259rini yerin\u0259 yetirm\u0259dikd\u0259, TTK \u00fczr\u0259 defolt hal\u0131 ba\u015f verdikd\u0259, m\u00fcv\u0259kkil bank\u0131n Fond qar\u015f\u0131s\u0131nda h\u0259r hans\u0131 maliyy\u0259 \u00f6hd\u0259liyi yaranm\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u0259l\u0259b\u0259 T\u0259hsil Kreditl\u0259rinin (TTK) qaytar\u0131lmas\u0131 qaydas\u0131 a\u00e7\u0131qlan\u0131b. ARANTV.AZ x\u0259b\u0259r verir ki, bu, bar\u0259d\u0259 m\u0259lumat Nazirl\u0259r Kabinetinin t\u0259sdiql\u0259diyi \u201cT\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondunun v\u0259saiti hesab\u0131na t\u0259hsil t\u0259l\u0259b\u0259 kreditl\u0259rinin verilm\u0259si qaydas\u0131\u201dnda yer al\u0131b. S\u0259n\u0259d\u0259 \u0259sas\u0259n, borcalan TTK-ni bu Qayda il\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada \u0259vv\u0259lc\u0259d\u0259n t\u0259sdiq edilmi\u015f \u00f6d\u0259ni\u015f c\u0259dv\u0259li \u00fczr\u0259 qaytar\u0131r. Borcalanda TTK-nin qaytar\u0131lmas\u0131 \u00f6hd\u0259liyi TTK-nin qaytar\u0131lma d\u00f6vr\u00fcnd\u0259, y\u0259ni g\u00fcz\u0259\u015ft d\u00f6vr\u00fcnd\u0259n sonra yaran\u0131r. TTK alm\u0131\u015f, lakin t\u0259hsilini ba\u015fa \u00e7atd\u0131rmam\u0131\u015f v\u0259 t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259n xaric olunmu\u015f borcalana m\u00fcnasib\u0259td\u0259 TTK-nin qaytar\u0131lmas\u0131 \u00f6hd\u0259liyi bu hallar\u0131n t\u0259hsil m\u00fc\u0259ssis\u0259si t\u0259r\u0259find\u0259n r\u0259smil\u0259\u015fdirildiyi g\u00fcnd\u0259n ba\u015flan\u0131r. G\u00fcz\u0259\u015ft d\u00f6vr\u00fcnd\u0259 borcalan\u0131n \u0259m\u0259k v\u0259 ya sahibkarl\u0131q…<\/p>\n","protected":false},"author":2,"featured_media":360798,"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":[23],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti.png",800,450,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti.png",800,450,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti.png",800,450,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti-500x280.png",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti-649x365.png",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti.png",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti.png",800,450,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti.png",800,450,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti-240x172.png",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/07\/telebe_krediti.png",800,450,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"T\u0259hsil<\/a>","rttpg_excerpt":"T\u0259l\u0259b\u0259 T\u0259hsil Kreditl\u0259rinin (TTK) qaytar\u0131lmas\u0131 qaydas\u0131 a\u00e7\u0131qlan\u0131b. ARANTV.AZ x\u0259b\u0259r verir ki, bu, bar\u0259d\u0259 m\u0259lumat Nazirl\u0259r Kabinetinin t\u0259sdiql\u0259diyi \u201cT\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondunun v\u0259saiti hesab\u0131na t\u0259hsil t\u0259l\u0259b\u0259 kreditl\u0259rinin verilm\u0259si qaydas\u0131\u201dnda yer al\u0131b. S\u0259n\u0259d\u0259 \u0259sas\u0259n, borcalan TTK-ni bu Qayda il\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada \u0259vv\u0259lc\u0259d\u0259n t\u0259sdiq edilmi\u015f \u00f6d\u0259ni\u015f c\u0259dv\u0259li \u00fczr\u0259 qaytar\u0131r. Borcalanda TTK-nin qaytar\u0131lmas\u0131 \u00f6hd\u0259liyi TTK-nin qaytar\u0131lma d\u00f6vr\u00fcnd\u0259, y\u0259ni…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/360797"}],"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=360797"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/360797\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/360798"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=360797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=360797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=360797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}