![\"\"](\"https:\/\/img.milli.az\/2016\/08\/10\/vuqar_bayramov_2.jpg\")
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Bel\u0259 ki, iqtisad\u00e7\u0131n\u0131n fikrinc\u0259, 10 min dollar qal\u0131q m\u0259bl\u0259\u011fi differensial olaraq m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259lidir: “Y\u0259ni, \u0259g\u0259r v\u0259t\u0259nda\u015f\u0131m\u0131z 20 min dollar kredit al\u0131bsa v\u0259 devalvasiya zaman\u0131 onun \u0259sas m\u0259bl\u0259\u011f \u00fczr\u0259 kredit qal\u0131\u011f\u0131 14 min dollar olubsa, o zaman kompensasiya mexanizmi h\u0259min m\u0259bl\u0259\u011fin 10 min dollar\u0131na hesablans\u0131n. Bu halda formula bel\u0259 olsun: 14 min dollarl\u0131q kredit \u00fczr\u0259 kompensasiya hesablanan m\u0259bl\u0259\u011f 10 min dollar, kompensasiyaya d\u00fc\u015fm\u0259y\u0259n hiss\u0259 4 min dollar. Bu qayda t\u0259tbiq olunarsa, o zaman devalvasiya zaman\u0131 qal\u0131q m\u0259bl\u0259\u011fi 10 min dollardan \u00e7ox olanlar da kompensasiyadan yararlana bil\u0259c\u0259kl\u0259r”.<\/p>\n
Ekspert t\u0259klif edir ki, \u0259sas m\u0259bl\u0259\u011f \u00fczr\u0259 qal\u0131q m\u0259bl\u0259\u011fi 10500-d\u0259k olan b\u00fct\u00fcn kreditl\u0259r yuvarlaq olaraq 10 min dollarl\u0131q qal\u0131q m\u0259bl\u0259\u011fi kimi q\u0259bul olunsun v\u0259 kompensasiya t\u0259tbiq olunsun: “M\u0259s\u0259l\u0259n, v\u0259t\u0259nda\u015f\u0131m\u0131z 20 min dollar kredit g\u00f6t\u00fcr\u00fcb v\u0259 onun \u0259sas m\u0259bl\u0259\u011f \u00fczr\u0259 qal\u0131q m\u0259bl\u0259\u011fi devalvasiya zaman\u0131 10100 dollar olub, y\u0259ni 10 mind\u0259n c\u0259mi 100 dollar \u00e7ox. Bel\u0259 kreditl\u0259r\u0259 d\u0259 kompensasiya hesablan\u0131b \u00f6d\u0259nilsin.<\/p>\n
\u018fg\u0259r birinci t\u0259klif q\u0259bul olunarsa, o zaman ikinci t\u0259klifin ayr\u0131ca q\u0259buluna ehtiyac qalm\u0131r”.<\/p>\n
V.Bayramov hesab edir ki, g\u00fcz\u0259\u015ft son 1 ild\u0259 problemli kredit kimi r\u0259smill\u0259\u015f\u0259n b\u00fct\u00fcn kreditl\u0259r\u0259 \u015famil olunmal\u0131d\u0131r: “Manat kreditin\u0259 g\u00fcz\u0259\u015ft hesablanan zaman kredit m\u00fcqavil\u0259l\u0259ri \u00fczr\u0259 \u0259sas m\u0259bl\u0259\u011fin v\u0259 ya faiz borclar\u0131n\u0131n \u00f6d\u0259nilm\u0259sind\u0259 360 g\u00fcnd\u0259n \u00e7ox gecikdirilmi\u015f borclar \u0259sas g\u00f6t\u00fcr\u00fcl\u0259c\u0259k. Daha m\u0259qs\u0259d\u0259 uy\u011fun olard\u0131 ki, qaydalar\u0131 haz\u0131rlayan zaman g\u00fcz\u0259\u015ft son 1 ild\u0259 problemli kredit kimi r\u0259smill\u0259\u015f\u0259n qal\u0131q m\u0259bl\u0259\u011fi n\u0259z\u0259r\u0259 al\u0131nmaqla b\u00fct\u00fcn kreditl\u0259r\u0259 \u015famil olunsun. Y\u0259ni, v\u0259t\u0259nda\u015f\u0131m\u0131z 15 min manat kredit g\u00f6t\u00fcr\u00fcb, onun krediti 1 il \u00f6nc\u0259d\u0259n daha \u0259vv\u0259l problemli kredit kimi r\u0259smill\u0259\u015fib v\u0259 o, 1 il \u0259rzind\u0259 m\u00fc\u0259yy\u0259n \u00f6d\u0259ni\u015fl\u0259r d\u0259 edib v\u0259 h\u0259min \u015f\u0259xs d\u0259 g\u00fcz\u0259\u015ftd\u0259n faydalans\u0131n”.<\/p>\n
Ekspertin fikrinc\u0259, manatla kreditl\u0259rd\u0259 \u0259sas qal\u0131q m\u0259bl\u0259\u011fi m\u00fc\u0259yy\u0259nl\u0259\u015f\u0259n zaman da differensial metodun t\u0259tbiq olunmas\u0131 m\u0259qs\u0259d\u0259uy\u011fundur: “Y\u0259ni, \u0259sas m\u0259bl\u0259\u011f \u00fczr\u0259 qal\u0131q 30 min manat olan problemli manat kreditinin 17 min manat\u0131na g\u00fcz\u0259\u015ftl\u0259rin t\u0259tbiqi h\u0259yata ke\u00e7irilsin”.<\/p>\n
Bundan ba\u015fqa o, hesab edir ki, m\u0259bl\u0259\u011fi b\u00f6y\u00fck olmayan xarici valyutada olan lizinq kreditl\u0259rin\u0259 d\u0259 kompensasiyan\u0131n t\u0259tbiqi imkanlar\u0131na bax\u0131lmas\u0131 m\u0259qs\u0259d\u0259uy\u011fun olard\u0131.milli.az<\/p>\n","protected":false},"excerpt":{"rendered":"
Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 M\u0259rk\u0259zi Bank il\u0259 birlikd\u0259 xarici valyutada olan kreditl\u0259rin \u0259sas m\u0259bl\u0259\u011finin devalvasiya n\u0259tic\u0259sind\u0259 manatla artm\u0131\u015f hiss\u0259sinin \u00f6d\u0259nilm\u0259si mexanizmini v\u0259 h\u0259min m\u0259bl\u0259\u011f\u0259 hesablanm\u0131\u015f faiz v\u0259 d\u0259bb\u0259 pulu (c\u0259rim\u0259, penya) \u00fczr\u0259 t\u0259tbiq edil\u0259c\u0259k g\u00fcz\u0259\u015ftl\u0259ri mart\u0131n 15-d\u0259k t\u0259sdiq etm\u0259lidir. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki, Az\u0259rbaycan Respublikas\u0131nda fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda Az\u0259rbaycan Respublikas\u0131 Prezidentinin F\u0259rman\u0131na uy\u011fun olaraq kompensasiya mexanizminin art\u0131q haz\u0131rlanmaqda oldu\u011fundan bu bar\u0259d\u0259 tan\u0131nm\u0131\u015f iqtisad\u00e7\u0131-ekspert, \u0130qtisadi v\u0259 Sosial \u0130nki\u015faf M\u0259rk\u0259zinin (CESD) s\u0259dri\u00a0V\u00fcqar Bayramov\u00a0bir s\u0131ra dig\u0259r t\u0259klifl\u0259rin d\u0259 q\u0259bulunu m\u0259qbul hesab edir. Bel\u0259 ki, iqtisad\u00e7\u0131n\u0131n fikrinc\u0259,…<\/p>\n","protected":false},"author":2,"featured_media":43239,"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\/03\/kredit_144411.jpg",800,600,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411.jpg",800,600,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411.jpg",800,600,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411-300x225.jpg",300,225,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411.jpg",640,480,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411.jpg",800,600,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411.jpg",800,600,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/03\/kredit_144411.jpg",800,600,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":"Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 M\u0259rk\u0259zi Bank il\u0259 birlikd\u0259 xarici valyutada olan kreditl\u0259rin \u0259sas m\u0259bl\u0259\u011finin devalvasiya n\u0259tic\u0259sind\u0259 manatla artm\u0131\u015f hiss\u0259sinin \u00f6d\u0259nilm\u0259si mexanizmini v\u0259 h\u0259min m\u0259bl\u0259\u011f\u0259 hesablanm\u0131\u015f faiz v\u0259 d\u0259bb\u0259 pulu (c\u0259rim\u0259, penya) \u00fczr\u0259 t\u0259tbiq edil\u0259c\u0259k g\u00fcz\u0259\u015ftl\u0259ri mart\u0131n 15-d\u0259k t\u0259sdiq etm\u0259lidir. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki, Az\u0259rbaycan Respublikas\u0131nda fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/43238"}],"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=43238"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/43238\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/43239"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=43238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=43238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=43238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}