\u00d6t\u0259n ilin sonuna olan m\u0259lumata g\u00f6r\u0259, \u00f6lk\u0259d\u0259 1 milyon 395 min kredit kart\u0131 var idi. Bu ilin aprel ay\u0131nda is\u0259 bu r\u0259q\u0259m 1 milyon 521 min olub. \u00dcmumilikd\u0259, kredit kartlar\u0131ndan istifad\u0259 g\u00fcn\u00fc-g\u00fcnd\u0259n geni\u015f yay\u0131l\u0131r. Ancaq bunun fonunda kredit kart\u0131 istifad\u0259\u00e7il\u0259ri naraz\u0131l\u0131qlar\u0131n\u0131 da tez-tez dil\u0259 g\u0259tirirl\u0259r. Bu g\u00fcnl\u0259rd\u0259 biri yazm\u0131\u015fd\u0131: \u201cKredit kart\u0131m art\u0131q m\u0259ni bezdirib, anlam\u0131ram. D\u0259h\u015f\u0259tli d\u0259r\u0259c\u0259d\u0259 pul tutulur\u201d. Bu kartlardan istifad\u0259 ed\u0259nl\u0259rd\u0259n tez-tez \u201c\u00d6d\u0259-\u00f6d\u0259 bitmir\u201d, \u201cKredit kartlar\u0131 cibimizd\u0259n o\u011furluq edir\u201d kimi fikirl\u0259r e\u015fidirik. Problem n\u0259d\u0259dir? Kredit kartlar\u0131nda maksimum faiz 25-26-d\u0131r. Ancaq insanlarda bel\u0259 t\u0259\u0259ss\u00fcrat var ki, \u00f6d\u0259dikl\u0259ri m\u0259bl\u0259\u011f bank\u0131n t\u0259yin etdiyi 25-26 faizd\u0259n d\u0259 y\u00fcks\u0259kdir. El\u0259dirmi?<\/p>\n
M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0\u201cKaspi\u201d<\/strong><\/a>\u00a0qazetind\u0259 m\u0259qal\u0259 d\u0259rc olunub.<\/p>\n Maliyy\u0259 v\u0259 bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert X\u0259yal M\u0259mm\u0259dli\u00a0deyir ki, kredit kartlar\u0131 bir kredit x\u0259ttidir. Kredit x\u0259tl\u0259rind\u0259 borcun \u00f6d\u0259nilm\u0259sin\u0259 yana\u015fma kreditl\u0259rd\u0259n f\u0259rqlidir:<\/p>\n \u201cKredit budur ki, bank m\u00fc\u015ft\u0259riy\u0259 na\u011fd pul verir. Sonra \u00f6d\u0259m\u0259 \u00fc\u00e7\u00fcn qrafik t\u0259yin edir. O qrafikd\u0259 h\u0259m \u0259sas borcla ba\u011fl\u0131 \u00f6d\u0259m\u0259 t\u0259yin edilir, h\u0259m d\u0259 faiz borcundan \u00f6d\u0259m\u0259. Bir d\u0259 var kredit x\u0259tl\u0259ri. Kredit x\u0259tl\u0259ri o dem\u0259kdir ki, bank siz\u0259 kredit verir v\u0259 deyir ki, h\u0259r ay banka borcunuzun ayl\u0131q faizini \u00f6d\u0259yirsiniz, \u0259sas borcu is\u0259 t\u0259yin edil\u0259n m\u00fcdd\u0259tin sonuna q\u0259d\u0259r \u00f6d\u0259y\u0259 bil\u0259rsiniz. 1000 manatl\u0131q kredit x\u0259ttiniz varsa, onun bu ay \u00fc\u00e7\u00fcn faizi 50 manatd\u0131rsa, bank yaln\u0131z ayl\u0131q \u00f6d\u0259ni\u015f olaraq sizd\u0259n onu t\u0259l\u0259b edir. Kredit kart\u0131 dediyimiz, \u0259slind\u0259, plastik kart vasit\u0259sil\u0259 m\u00fc\u015ft\u0259riy\u0259 veril\u0259n kredit x\u0259ttidir. Y\u0259ni kredit kartlar\u0131nda bank\u0131n biz\u0259 ayl\u0131q \u00f6d\u0259ni\u015f olaraq t\u0259yin etdiyi m\u0259bl\u0259\u011f borcumuza o ay \u00fc\u00e7\u00fcn hesablanan faizin m\u0259bl\u0259\u011fidir. \u018fsas \u00f6d\u0259ni\u015fi kredit kart\u0131n\u0131n m\u00fcdd\u0259ti n\u0259 q\u0259d\u0259rdirs\u0259, o vaxta q\u0259d\u0259r \u00f6d\u0259m\u0259k imkan\u0131 verir. Yaln\u0131z bir halda \u0259sas borcun \u00f6d\u0259nilm\u0259si t\u0259l\u0259bi yaran\u0131r. M\u0259hsul alanda \u00f6d\u0259ni\u015fi ayl\u0131\u011fa b\u00f6ld\u00fcr\u00fcbs\u00fcn\u00fczs\u0259, o m\u0259bl\u0259\u011f d\u0259 ayl\u0131q faizin \u00fcz\u0259rin\u0259 \u0259lav\u0259 edilir. Ba\u015fqa halda siz kartdan pul \u00e7\u0259kib x\u0259rcl\u0259yibsinizs\u0259, yaxud onlayn al\u0131\u015f-veri\u015f edibsinizs\u0259, borcunuz yaran\u0131bsa, onu b\u00f6l\u00fcb ayl\u0131q \u00f6d\u0259ni\u015f olaraq siz\u0259 g\u00f6nd\u0259rmirl\u0259r, yaln\u0131z faizini ist\u0259yirl\u0259r\u201d.<\/p>\n X.M\u0259mm\u0259dli deyir ki, kredit x\u0259tl\u0259rind\u0259 h\u0259r ay yaln\u0131z borcun faizini qaytar\u0131r\u0131qsa, dem\u0259li, borcumuz azalm\u0131r:<\/p>\n \u201cBanklarda kreditl\u0259r qal\u0131\u011fa hesablan\u0131r. Kreditl\u0259rd\u0259 h\u0259r ay \u0259sas borcdan da \u00f6d\u0259ni\u015f edirs\u0259n. Ona g\u00f6r\u0259 d\u0259, n\u00f6vb\u0259ti ay \u00fc\u00e7\u00fcn borc m\u0259bl\u0259\u011fin v\u0259 borc faizin azal\u0131r. Kredit kart\u0131nda is\u0259 sizd\u0259n faizi t\u0259l\u0259b edir. \u018fsas borcu ist\u0259mir dey\u0259 (taksitl\u0259 almay\u0131bs\u0131n\u0131zsa), n\u00f6vb\u0259ti ay da borcunuz, t\u0259xmin\u0259n d\u0259yi\u015fm\u0259z qal\u0131r v\u0259 yen\u0259 faiz \u00f6d\u0259yirsiniz. G\u00f6t\u00fcrd\u00fcy\u00fcn\u00fcz 1000 manat\u0131 qaytarm\u0131rs\u0131n\u0131zsa, yaln\u0131z faizini \u00f6d\u0259yirsinizs\u0259, banka borc m\u0259bl\u0259\u011finiz azalm\u0131r. Bu o dem\u0259kdir ki, kart vasit\u0259sil\u0259 g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259rd\u0259 faiz daha \u00e7ox hesablanm\u0131\u015f olur. \u018fsas borcun azalmas\u0131, ba\u011flanmas\u0131, faizin azalmas\u0131 \u00fc\u00e7\u00fcn minimum m\u0259bl\u0259\u011fd\u0259n \u00e7ox \u00f6d\u0259nilm\u0259si laz\u0131md\u0131r\u201d.<\/p>\n Ekspert bildirdi ki, kredit kart\u0131 istifad\u0259\u00e7il\u0259ri art\u0131q faiz \u00f6d\u0259m\u0259m\u0259k \u00fc\u00e7\u00fcn banklar\u0131n t\u0259qdim etdiyi g\u00fcz\u0259\u015ft imkan\u0131ndan istifad\u0259 etsinl\u0259r:<\/p>\n \u201cBanklar\u0131n \u0259ks\u0259riyy\u0259tinin kredit kart\u0131nda g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti var. Siz onlayn \u00f6d\u0259ni\u015f ed\u0259r\u0259k n\u0259 is\u0259 al\u0131rs\u0131n\u0131z. 40, ya 60 g\u00fcn ona faiz hesablanm\u0131r. O m\u00fcdd\u0259t\u0259 q\u0259d\u0259r kredit kart\u0131ndan x\u0259rcl\u0259diyiniz pulu geri qaytarsan\u0131z, daha planl\u0131 olar. Faizsiz istifad\u0259 etm\u0259k ist\u0259y\u0259nl\u0259r bunu diqq\u0259td\u0259 saxlaya bil\u0259rl\u0259r. Oradan x\u0259rcl\u0259sinl\u0259r, maa\u015f alanda geri qaytars\u0131nlar\u201d.<\/p>\n Bir d\u0259f\u0259 bankdan kredit kart\u0131 alanda bank \u0259m\u0259kda\u015f\u0131 \u201csiz\u0259 na\u011fd pul laz\u0131md\u0131rsa, kredit daha s\u0259rf\u0259lidir, kredit kart\u0131 yox\u201d demi\u015fdi.\u00a0Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert \u018fkr\u0259m H\u0259s\u0259novun\u00a0s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, kredit kartlar\u0131n\u0131 onlayn \u00f6d\u0259ni\u015fl\u0259r \u00fc\u00e7\u00fcn istifad\u0259 etm\u0259k yax\u015f\u0131d\u0131r. Na\u011fdla\u015fd\u0131randa daha \u00e7ox pul itiririk:<\/p>\n \u201cKredit kart\u0131ndak\u0131 pulu na\u011fdla\u015fd\u0131rmaq s\u0259rf\u0259li deyil. H\u0259r bir bank\u0131n kredit kart\u0131ndak\u0131 pulun na\u011fdla\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn komisyon haqq\u0131 var. Bankdan na\u011fd kredit g\u00f6t\u00fcr\u0259nd\u0259 d\u0259 komisyon haqq\u0131 \u00f6d\u0259m\u0259li oluruq. \u00c7\u00fcnki banklar da na\u011fd pulu M\u0259rk\u0259zi Bankdan komisyon haqq \u00f6d\u0259m\u0259kl\u0259 g\u00f6t\u00fcr\u00fcrl\u0259r. Na\u011fd pul laz\u0131m deyils\u0259, kredit kart\u0131n\u0131 onlayn \u00f6d\u0259ni\u015fl\u0259r \u00fc\u00e7\u00fcn istifad\u0259 etm\u0259k m\u0259sl\u0259h\u0259tdir\u201d.<\/p>\n \u018f.H\u0259s\u0259nov bildirdi ki, kredit kartlar\u0131na yana\u015fmada maliyy\u0259 planlamas\u0131 olmal\u0131d\u0131r:<\/p>\n \u201cDebet kartlar\u0131 bel\u0259dir ki, v\u0259t\u0259nda\u015f \u00f6z v\u0259saitini karta yerl\u0259\u015fdirir v\u0259 sonra ondan istifad\u0259 edir. Kredit kart\u0131nda is\u0259 bank karta m\u00fc\u0259yy\u0259n bir m\u0259bl\u0259\u011f yerl\u0259\u015fdirib kredit olaraq s\u0259n\u0259 verir v\u0259 onu x\u0259rcl\u0259yirs\u0259n. H\u0259r ikisind\u0259 maliyy\u0259y\u0259 yana\u015fma planl\u0131 olmal\u0131d\u0131r. Kredit kartlar\u0131nda problem yoxdur. V\u0259t\u0259nda\u015flar \u0259ks\u0259r hallarda ayaqlar\u0131n\u0131 yor\u011fanlar\u0131na g\u00f6r\u0259 uzatm\u0131rlar. Ham\u0131ya aid deyil, b\u0259zil\u0259rin\u0259, do\u011frudan da, pul laz\u0131md\u0131r. Amma bir \u00e7ox insana kredit kart\u0131 laz\u0131m deyil. Telefonu, ya hans\u0131sa \u0259\u015fyan\u0131 d\u0259yi\u015fm\u0259k, ma\u015f\u0131n almaq \u00fc\u00e7\u00fcn istifad\u0259 edirl\u0259r. Yaxud kredit kart\u0131ndan pul \u00e7\u0259kib g\u0259zm\u0259y\u0259 gedirl\u0259r. Bir d\u0259 bax\u0131rlar ki, borc y\u0131\u011f\u0131l\u0131b. H\u0259yat\u0131n \u00fc\u00e7\u00fcn \u00e7ox da vacib deyils\u0259, alma. Kredit kart\u0131 deyil, el\u0259 kredit d\u0259 g\u00f6t\u00fcr\u00fcb onlar\u0131 ets\u0259niz, yen\u0259 d\u0259 borcunuz \u00e7ox olacaq. X\u0259rcl\u0259y\u0259rk\u0259n bunun borc oldu\u011funu unutmamal\u0131san\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" \u00d6t\u0259n ilin sonuna olan m\u0259lumata g\u00f6r\u0259, \u00f6lk\u0259d\u0259 1 milyon 395 min kredit kart\u0131 var idi. Bu ilin aprel ay\u0131nda is\u0259 bu r\u0259q\u0259m 1 milyon 521 min olub. \u00dcmumilikd\u0259, kredit kartlar\u0131ndan istifad\u0259 g\u00fcn\u00fc-g\u00fcnd\u0259n geni\u015f yay\u0131l\u0131r. Ancaq bunun fonunda kredit kart\u0131 istifad\u0259\u00e7il\u0259ri naraz\u0131l\u0131qlar\u0131n\u0131 da tez-tez dil\u0259 g\u0259tirirl\u0259r. Bu g\u00fcnl\u0259rd\u0259 biri yazm\u0131\u015fd\u0131: \u201cKredit kart\u0131m art\u0131q m\u0259ni bezdirib, anlam\u0131ram. D\u0259h\u015f\u0259tli d\u0259r\u0259c\u0259d\u0259 pul tutulur\u201d. Bu kartlardan istifad\u0259 ed\u0259nl\u0259rd\u0259n tez-tez \u201c\u00d6d\u0259-\u00f6d\u0259 bitmir\u201d, \u201cKredit kartlar\u0131 cibimizd\u0259n o\u011furluq edir\u201d kimi fikirl\u0259r e\u015fidirik. Problem n\u0259d\u0259dir? Kredit kartlar\u0131nda maksimum faiz 25-26-d\u0131r. Ancaq insanlarda bel\u0259 t\u0259\u0259ss\u00fcrat var ki, \u00f6d\u0259dikl\u0259ri m\u0259bl\u0259\u011f bank\u0131n…<\/p>\n","protected":false},"author":2,"featured_media":493470,"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\/2022\/07\/kart.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/kart.jpg",620,413,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":"\u00d6t\u0259n ilin sonuna olan m\u0259lumata g\u00f6r\u0259, \u00f6lk\u0259d\u0259 1 milyon 395 min kredit kart\u0131 var idi. Bu ilin aprel ay\u0131nda is\u0259 bu r\u0259q\u0259m 1 milyon 521 min olub. \u00dcmumilikd\u0259, kredit kartlar\u0131ndan istifad\u0259 g\u00fcn\u00fc-g\u00fcnd\u0259n geni\u015f yay\u0131l\u0131r. Ancaq bunun fonunda kredit kart\u0131 istifad\u0259\u00e7il\u0259ri naraz\u0131l\u0131qlar\u0131n\u0131 da tez-tez dil\u0259 g\u0259tirirl\u0259r. Bu g\u00fcnl\u0259rd\u0259 biri yazm\u0131\u015fd\u0131: \u201cKredit kart\u0131m art\u0131q m\u0259ni bezdirib, anlam\u0131ram.…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/493469"}],"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=493469"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/493469\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/493470"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=493469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=493469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=493469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}