{"id":497076,"date":"2022-07-22T07:58:37","date_gmt":"2022-07-22T04:58:37","guid":{"rendered":"https:\/\/arantv.az\/?p=497076"},"modified":"2022-07-22T07:58:37","modified_gmt":"2022-07-22T04:58:37","slug":"avtomobili-olanlar-ucun-muhum-x%c9%99b%c9%99r-q%c9%99zalarda-ziyani-bu-sirk%c9%99t-od%c9%99y%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=497076","title":{"rendered":"Avtomobili olanlar \u00fc\u00e7\u00fcn m\u00fch\u00fcm x\u0259b\u0259r: q\u0259zalarda ziyan\u0131 bu \u015firk\u0259t \u00f6d\u0259y\u0259c\u0259k"},"content":{"rendered":"

\u201cEkoloji t\u0259miz avtomobill\u0259rin h\u0259m icbari, h\u0259m d\u0259 kasko s\u0131\u011fortas\u0131 dig\u0259rl\u0259rin\u0259 nisb\u0259t\u0259n \u0259n az\u0131 50 faiz ucuz…\u201d- Eld\u0259niz C\u0259f\u0259rov<\/strong><\/p>\n

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 yeniliyi t\u0259sdiql\u0259yib. M\u0259lumata g\u00f6r\u0259, M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131mov \u201cYol-n\u0259qliyyat hadis\u0259sind\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259nin idar\u0259 etdiyi avton\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n z\u0259r\u0259rin \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 s\u0131\u011forta\u00e7\u0131lar aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 \u00f6d\u0259m\u0259l\u0259rin t\u0259nziml\u0259nm\u0259sin\u0259 dair qayda\u201dn\u0131 imzalay\u0131b.<\/p>\n

Yeni qaydaya g\u00f6r\u0259, bu il noyabr ay\u0131n\u0131n 1-d\u0259n etibar\u0259n icbari qaydada s\u0131\u011fortalanan n\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n ziyan\u0131 art\u0131q qar\u015f\u0131 t\u0259r\u0259fin s\u0131\u011forta \u015firk\u0259ti deyil, s\u0131\u011fortaland\u0131\u011f\u0131 \u015firk\u0259t qar\u015f\u0131layacaq. Daha sonra s\u0131\u011forta \u00f6d\u0259ni\u015fini h\u0259yata ke\u00e7ir\u0259n \u015firk\u0259t z\u0259r\u0259r vuran avtomobil sahibinin s\u0131\u011forta\u00e7\u0131s\u0131ndan \u00f6d\u0259ni\u015fi t\u0259l\u0259b ed\u0259c\u0259k. Ba\u015fqa s\u00f6zl\u0259, avtomobil\u0259 d\u0259y\u0259n ziyan avtomobil sahibinin \u00f6z s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n qar\u015f\u0131lanacaq. Sonrak\u0131 proses s\u0131\u011forta \u015firk\u0259tl\u0259ri aras\u0131nda t\u0259nziml\u0259n\u0259c\u0259k.<\/p>\n

Az\u0259rbaycanda avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 \u00fczr\u0259 s\u0131\u011forta haqq\u0131n\u0131n hesablanmas\u0131 qaydas\u0131 da d\u0259yi\u015f\u0259 bil\u0259r. Bu bar\u0259d\u0259 h\u00f6kum\u0259td\u0259ki m\u0259nb\u0259 bildirib.<\/strong><\/p>\n

\"Bak\u0131da<\/strong><\/p>\n

Eld\u0259niz C\u0259f\u0259rov<\/strong><\/p>\n

M\u0259nb\u0259nin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bir \u00e7ox \u00f6lk\u0259l\u0259rd\u0259 oldu\u011fu kimi Az\u0259rbaycanda da bu d\u0259yi\u015fiklikl\u0259 ba\u011fl\u0131 m\u00fczakir\u0259l\u0259r gedir: \u201cHaz\u0131rda q\u0131sa \u015f\u0259kild\u0259 icbari avtomobil s\u0131\u011fortas\u0131 dediyimiz avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 n\u0259qliyyat vasit\u0259sinin m\u00fch\u0259rrikinin h\u0259cmin\u0259 g\u00f6r\u0259 hesablan\u0131r. Y\u0259ni m\u00fch\u0259rrikin h\u0259cmi \u00fczr\u0259 kubmetrl\u0259r artd\u0131qca xidm\u0259t haqq\u0131 da art\u0131r. Bu, klassik yana\u015fmad\u0131r. \u0130ndi is\u0259 yeni yana\u015fma t\u0259l\u0259b olunur. T\u0259klifl\u0259r var ki, bu s\u0131\u011forta n\u00f6v\u00fc avton\u0259qliyyat vasit\u0259sinin kubmetrin\u0259 g\u00f6r\u0259 yox, at g\u00fcc\u00fcn\u0259 g\u00f6r\u0259 hesablans\u0131n. \u00c7\u00fcnki indi texnologiya inki\u015faf edir. N\u0259tic\u0259d\u0259 1500 kubmetr m\u00fch\u0259rrik\u0259 malik avton\u0259qliyyat vasit\u0259sinin at g\u00fcc\u00fc 2000-2500 kubmetr\u0259 malik k\u00f6hn\u0259 avtomobilin at g\u00fcc\u00fcnd\u0259n \u00e7oxdur\u201d.<\/p>\n

Az\u0259rbaycan h\u00f6kum\u0259ti bu yeni qaydan\u0131 t\u0259tbiq etm\u0259k \u00fc\u00e7\u00fcn baza formala\u015fd\u0131rmal\u0131d\u0131r v\u0259 orada avton\u0259qliyyat vasit\u0259l\u0259ri at g\u00fcc\u00fc il\u0259 kateqoriyala\u015fd\u0131r\u0131lmal\u0131d\u0131r. N\u0259tic\u0259d\u0259 h\u0259min kateqoriyalar \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r m\u00fc\u0259yy\u0259n edilm\u0259lidir. S\u0131\u011forta pulu ad\u0259t\u0259n q\u0259za t\u00f6r\u0259d\u0259nl\u0259r t\u0259r\u0259find\u0259n naraz\u0131l\u0131qla qar\u015f\u0131lan\u0131r. B\u0259s g\u00f6r\u0259s\u0259n, bu yenilik naraz\u0131l\u0131\u011f\u0131 aradan qald\u0131racaqm\u0131?<\/p>\n

N\u0259qliyyat m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Eld\u0259niz C\u0259f\u0259rov m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da fikirl\u0259rini a\u00e7\u0131qlad\u0131:<\/strong>\u00a0\u201cAz\u0259rbaycana idxal olunan ekoloji t\u0259miz elektromobill\u0259rin\u00a0 icbari s\u0131\u011fortas\u0131n\u0131 b\u0259zi s\u0131\u011forta \u015firk\u0259tl\u0259ri h\u0259yata ke\u00e7irmirdil\u0259r. Onlar bunu onunla \u0259sasland\u0131r\u0131rd\u0131lar ki, elektromobill\u0259rin m\u00fch\u0259rrik h\u0259cmi yoxdur, ona g\u00f6r\u0259 d\u0259 icbari s\u0131\u011forta hesablaya bilmirl\u0259r. O zaman m\u0259n mediada \u00e7\u0131x\u0131\u015f yolunu g\u00f6st\u0259rmi\u015fdim, demi\u015fdim ki, elektromobill\u0259rin icbari s\u0131\u011fortas\u0131n\u0131 avtomobilin at g\u00fcc\u00fcn\u0259 g\u00f6r\u0259 hesablamaq m\u00fcmk\u00fcnd\u00fcr. Fikrimc\u0259, avtomobilin icbari s\u0131\u011fortas\u0131n\u0131n at g\u00fcc\u00fc il\u0259 hesablanmas\u0131 yaln\u0131z elektrikl\u0259 \u00e7al\u0131\u015fan avtomobill\u0259r\u0259 \u015famil edilm\u0259lidir. Dig\u0259r \u0259n\u0259n\u0259vi benzin v\u0259 dizell\u0259 \u00e7al\u0131\u015fan, h\u0259m\u00e7inin hibrid avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 k\u00f6hn\u0259 qaydada m\u00fch\u0259rrik h\u0259cmin\u0259 g\u00f6r\u0259 h\u0259yata ke\u00e7irils\u0259, daha yax\u015f\u0131 olar. \u00c7\u00fcnki haz\u0131rda m\u00fcasir avtomobill\u0259rin m\u00fch\u0259rrik h\u0259cmi ki\u00e7ik olsa da, at g\u00fcc\u00fc daha \u00e7oxdur. Amma k\u00f6hn\u0259 avtomobill\u0259rin m\u00fch\u0259rrik h\u0259cmi b\u00f6y\u00fck olur, at g\u00fcc\u00fc is\u0259 daha az olurdu. Bel\u0259 \u00e7\u0131x\u0131r ki, k\u00f6hn\u0259 avtomobill\u0259rin icbari s\u0131\u011fortas\u0131n\u0131n qiym\u0259ti daha ucuz olacaq, t\u0259z\u0259 avtomobill\u0259rd\u0259 is\u0259 baha olacaq. Burada t\u0259rs m\u00fct\u0259nasiblik ortaya \u00e7\u0131x\u0131r. \u018fslind\u0259 is\u0259 d\u00f6vl\u0259tin siyas\u0259ti ondan ibar\u0259tdir ki, Az\u0259rbaycan\u0131n avtomobil park\u0131 yenil\u0259nsin, v\u0259t\u0259nda\u015flar daha \u00e7ox yeni avtomobill\u0259rd\u0259n istifad\u0259 etsin. \u018fg\u0259r bu g\u00fcn icbari s\u0131\u011fortan\u0131 m\u00fch\u0259rrik h\u0259cmin\u0259 g\u00f6r\u0259 hesablama\u011fa ba\u015flasaq, onda k\u00f6hn\u0259 avtomobill\u0259ri yenid\u0259n populyarla\u015fd\u0131r\u0131r\u0131q\u201d.<\/p>\n

\u00a0Ekspert s\u0131\u011forta qiym\u0259tl\u0259ri il\u0259 ba\u011fl\u0131 b\u0259zi m\u0259qamlara da ayd\u0131nl\u0131q g\u0259tirdi:<\/strong>\u00a0\u201cAz\u0259rbaycandak\u0131 minimum \u0259m\u0259k haqq\u0131na, orta \u0259m\u0259k haqq\u0131na g\u00f6r\u0259 s\u0131\u011forta m\u0259hsullar\u0131 he\u00e7 d\u0259 ucuz deyil. N\u0259 icbari s\u0131\u011forta, n\u0259 d\u0259 kasko. Kasko s\u0131\u011forta is\u0259 \u00fcmumiyy\u0259tl\u0259 bahad\u0131r. Ona g\u00f6r\u0259 yax\u015f\u0131 olard\u0131 ki, k\u00f6hn\u0259 qaydalar\u0131 l\u0259\u011fv edib yeni qaydalar yaratmaq deyil, k\u00f6hn\u0259 qaydalar \u00fcz\u0259rind\u0259 m\u00fc\u0259yy\u0259n d\u0259yi\u015fiklikl\u0259r edilsin. Bu qanunlar daha da m\u00fc\u0259yy\u0259nl\u0259\u015fdirilsin. Yax\u015f\u0131 olard\u0131 ki, yeni qaydalarda ekoloji t\u0259miz avtomobill\u0259rin h\u0259m icbari, h\u0259m d\u0259 kasko s\u0131\u011fortas\u0131 dig\u0259r avtomobill\u0259rin s\u0131\u011fortas\u0131 il\u0259 nisb\u0259td\u0259 \u0259n az\u0131 50 faiz ucuz olsun ki, v\u0259t\u0259nda\u015flar bu n\u00f6v avtomobill\u0259r\u0259 maraq g\u00f6st\u0259rsinl\u0259r\u201d.<\/p>\n

Qeyd ed\u0259k ki, Az\u0259rbaycanda\u00a0 2022-ci ild\u0259 avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 \u00fczr\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin \u00f6nc\u0259ki ill\u0259rd\u0259n daha b\u00f6y\u00fck riskl\u0259rl\u0259 \u00fcz-\u00fcz\u0259 oldu\u011fu a\u00e7\u0131qlanm\u0131\u015fd\u0131. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n 2022-ci ilin sinifl\u0259r \u00fczr\u0259 icmal g\u00f6st\u0259ricil\u0259rin\u0259 g\u00f6r\u0259 \u015firk\u0259tl\u0259rin s\u0131\u011forta y\u0131\u011f\u0131mlar\u0131nda cari ilin yanvar-may ay\u0131 \u00fczr\u0259 5% art\u0131m oldu\u011fu halda, \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi 38% art\u0131b. Qeyd edilir ki, 2022-ci ilin ilk be\u015f ay\u0131nda 39.33 milyon manatl\u0131q s\u0131\u011forta haqq\u0131 y\u0131\u011f\u0131ld\u0131\u011f\u0131 halda, s\u0131\u011forta\u00e7\u0131lar 35.94 milyon manatl\u0131q \u00f6d\u0259ni\u015fl\u0259r h\u0259yata ke\u00e7irib. Bu da onlar\u0131n permyalar\u0131 il\u0259 \u00f6d\u0259ni\u015fl\u0259ri aras\u0131nda f\u0259rqin 3.39 milyon manata d\u00fc\u015fm\u0259si dem\u0259kdir. 2021-ci ild\u0259 37.6 milyon manat s\u0131\u011forta haqq\u0131 y\u0131\u011f\u0131lm\u0131\u015f, buna qar\u015f\u0131l\u0131q c\u0259mi 26.07 mln. manatl\u0131q \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7mi\u015fdi. Y\u0131\u011f\u0131mlar v\u0259 \u00f6d\u0259ni\u015fl\u0259r \u00fczr\u0259 f\u0259rq 11.53 milyon manat olmu\u015fdu. Bu f\u0259rq 2019-cu ilin eyni d\u00f6vr\u00fcnd\u0259 12.86 mln., 2020-ci ild\u0259 is\u0259 10.75 milyon manat idi.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cEkoloji t\u0259miz avtomobill\u0259rin h\u0259m icbari, h\u0259m d\u0259 kasko s\u0131\u011fortas\u0131 dig\u0259rl\u0259rin\u0259 nisb\u0259t\u0259n \u0259n az\u0131 50 faiz ucuz…\u201d- Eld\u0259niz C\u0259f\u0259rov Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 yeniliyi t\u0259sdiql\u0259yib. M\u0259lumata g\u00f6r\u0259, M\u0259rk\u0259zi Bank\u0131n s\u0259dri Taleh Kaz\u0131mov \u201cYol-n\u0259qliyyat hadis\u0259sind\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259nin idar\u0259 etdiyi avton\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n z\u0259r\u0259rin \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 s\u0131\u011forta\u00e7\u0131lar aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 \u00f6d\u0259m\u0259l\u0259rin t\u0259nziml\u0259nm\u0259sin\u0259 dair qayda\u201dn\u0131 imzalay\u0131b. Yeni qaydaya g\u00f6r\u0259, bu il noyabr ay\u0131n\u0131n 1-d\u0259n etibar\u0259n icbari qaydada s\u0131\u011fortalanan n\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n ziyan\u0131 art\u0131q qar\u015f\u0131 t\u0259r\u0259fin s\u0131\u011forta \u015firk\u0259ti deyil, s\u0131\u011fortaland\u0131\u011f\u0131 \u015firk\u0259t qar\u015f\u0131layacaq. Daha sonra s\u0131\u011forta \u00f6d\u0259ni\u015fini h\u0259yata ke\u00e7ir\u0259n \u015firk\u0259t z\u0259r\u0259r vuran…<\/p>\n","protected":false},"author":2,"featured_media":497077,"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\/f46465da159ea3a4d7f73e96f248c042.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/07\/f46465da159ea3a4d7f73e96f248c042.jpg",870,500,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":"\u201cEkoloji t\u0259miz avtomobill\u0259rin h\u0259m icbari, h\u0259m d\u0259 kasko s\u0131\u011fortas\u0131 dig\u0259rl\u0259rin\u0259 nisb\u0259t\u0259n \u0259n az\u0131 50 faiz ucuz…\u201d- Eld\u0259niz C\u0259f\u0259rov Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 yeniliyi t\u0259sdiql\u0259yib. 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