Borc m\u00fcqavil\u0259si v\u0259 kredit m\u00fcqavil\u0259si \u00fczr\u0259 m\u00fcnasib\u0259tl\u0259r konseptual olaraq t\u0259kmill\u0259\u015fdirilir.<\/p>\n
ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki,<\/strong>\u00a0bu, Milli M\u0259clisin H\u00fcquq siyas\u0259ti v\u0259 d\u00f6vl\u0259t quruculu\u011fu komit\u0259sinin bu g\u00fcn ke\u00e7iril\u0259n iclas\u0131n\u0131n g\u00fcnd\u0259liyin\u0259 daxil edil\u0259n M\u00fclki M\u0259c\u0259ll\u0259y\u0259 t\u0259klif edil\u0259n d\u0259yi\u015fiklikd\u0259 \u0259ksini tap\u0131b.<\/p>\n Haz\u0131rda borc m\u00fcqavil\u0259sinin predmeti pul m\u0259bl\u0259\u011fi oldu\u011fu halda o, kredit m\u00fcqavil\u0259si hesab olunur.<\/p>\n T\u0259klif olunan d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, bu t\u0259l\u0259b aradan qald\u0131r\u0131l\u0131r. Bu is\u0259 pul v\u0259saitl\u0259ri il\u0259 ba\u011fl\u0131 borc m\u00fcqavil\u0259l\u0259rinin tan\u0131nmas\u0131na, habel\u0259 m\u00fcqavil\u0259 \u00fczr\u0259 t\u0259r\u0259fl\u0259r aras\u0131nda yaranacaq m\u00fcbahis\u0259l\u0259rin h\u00fcquqi m\u00fcst\u0259vid\u0259 \u00e7\u00f6z\u00fclm\u0259sin\u0259 v\u0259 h\u00fcquqi qiym\u0259t verm\u0259nin s\u0259m\u0259r\u0259liliyinin artmas\u0131na son n\u0259tic\u0259d\u0259 h\u00fcquqlar\u0131n daha etibarl\u0131 qorunmas\u0131na imkan ver\u0259c\u0259k. Eyni zamanda borcver\u0259nin borcalandan m\u00fcqavil\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f qaydada v\u0259 m\u0259bl\u0259\u011fd\u0259 faiz almaq h\u00fcququnun tan\u0131nmas\u0131 da t\u0259min edil\u0259c\u0259k. M\u0259c\u0259ll\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcun verilm\u0259sin\u0259 g\u00f6r\u0259 faizin m\u0259bl\u0259\u011fi v\u0259 hesablanma qaydas\u0131 t\u0259r\u0259fl\u0259rin raz\u0131la\u015fma qaydas\u0131 il\u0259 m\u00fc\u0259yy\u0259n edil\u0259c\u0259k. Borcdan istifad\u0259y\u0259 g\u00f6r\u0259 faiz n\u0259z\u0259rd\u0259 tutulubsa, m\u00fcvafiq m\u0259bl\u0259\u011f m\u00fcqavil\u0259d\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259yibs\u0259, h\u0259min faizin v\u0259 m\u0259bl\u0259\u011fin hesablanma qaydas\u0131 v\u0259 m\u00fcdd\u0259ti qanunla t\u0259nziml\u0259n\u0259c\u0259k. Faizl\u0259r yaln\u0131z borcun qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn\u0259d\u0259k \u00f6d\u0259nilm\u0259mi\u015f \u0259sas borc qal\u0131\u011f\u0131 m\u0259bl\u0259\u011fin\u0259 aid olunacaq.<\/p>\n Bank\u0131n v\u0259 dig\u0259r kredit t\u0259\u015fkilat\u0131n\u0131n borc (kredit) verm\u0259sil\u0259 dig\u0259r \u015f\u0259xsl\u0259rin borc verm\u0259si differensiasia olunur. Bel\u0259 ki, g\u0259lir \u0259ld\u0259 etm\u0259k m\u0259qs\u0259dil\u0259 m\u00fcnt\u0259z\u0259m olaraq, habel\u0259 qeyri-m\u0259hdud subyektl\u0259r\u0259 pul v\u0259saitl\u0259rinin borc verilm\u0259si bank v\u0259 dig\u0259r kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7iril\u0259 bil\u0259r. Bununla da borc m\u00fcqavil\u0259sinin bir n\u00f6v\u00fcolaraq kredit m\u00fcqvil\u0259si \u00fczr\u0259 borcver\u0259n yaln\u0131z normativ h\u00fcquqi aktlara uy\u011fun olaraq, kreditl\u0259rin verilm\u0259si f\u0259aliyy\u0259tinin h\u0259yata ke\u00e7irilm\u0259si h\u00fcququna malik \u015f\u0259xs (bank v\u0259 ya dig\u0259r kredit t\u0259\u015fkilat\u0131) ola bil\u0259r. Kredit m\u00fcqavil\u0259si mahiyy\u0259tc\u0259 borc m\u00fcqavil\u0259si oldu\u011fundan borc m\u00fcqavil\u0259si haqq\u0131nda m\u00fcdd\u0259alar kredit m\u00fcqavil\u0259sin\u0259 d\u0259 \u015famil edil\u0259c\u0259k.<\/p>\n","protected":false},"excerpt":{"rendered":" Borc m\u00fcqavil\u0259si v\u0259 kredit m\u00fcqavil\u0259si \u00fczr\u0259 m\u00fcnasib\u0259tl\u0259r konseptual olaraq t\u0259kmill\u0259\u015fdirilir. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki,\u00a0bu, Milli M\u0259clisin H\u00fcquq siyas\u0259ti v\u0259 d\u00f6vl\u0259t quruculu\u011fu komit\u0259sinin bu g\u00fcn ke\u00e7iril\u0259n iclas\u0131n\u0131n g\u00fcnd\u0259liyin\u0259 daxil edil\u0259n M\u00fclki M\u0259c\u0259ll\u0259y\u0259 t\u0259klif edil\u0259n d\u0259yi\u015fiklikd\u0259 \u0259ksini tap\u0131b. Haz\u0131rda borc m\u00fcqavil\u0259sinin predmeti pul m\u0259bl\u0259\u011fi oldu\u011fu halda o, kredit m\u00fcqavil\u0259si hesab olunur. T\u0259klif olunan d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, bu t\u0259l\u0259b aradan qald\u0131r\u0131l\u0131r. Bu is\u0259 pul v\u0259saitl\u0259ri il\u0259 ba\u011fl\u0131 borc m\u00fcqavil\u0259l\u0259rinin tan\u0131nmas\u0131na, habel\u0259 m\u00fcqavil\u0259 \u00fczr\u0259 t\u0259r\u0259fl\u0259r aras\u0131nda yaranacaq m\u00fcbahis\u0259l\u0259rin h\u00fcquqi m\u00fcst\u0259vid\u0259 \u00e7\u00f6z\u00fclm\u0259sin\u0259 v\u0259 h\u00fcquqi qiym\u0259t verm\u0259nin s\u0259m\u0259r\u0259liliyinin artmas\u0131na son n\u0259tic\u0259d\u0259 h\u00fcquqlar\u0131n daha etibarl\u0131 qorunmas\u0131na imkan ver\u0259c\u0259k.…<\/p>\n","protected":false},"author":2,"featured_media":556358,"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\/2023\/01\/3a37abde167410904472003338410137686.jpg",975,540,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686.jpg",975,540,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686.jpg",975,540,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686-660x365.jpg",660,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686-840x465.jpg",640,354,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686.jpg",975,540,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686.jpg",975,540,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/3a37abde167410904472003338410137686.jpg",975,540,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":"Borc m\u00fcqavil\u0259si v\u0259 kredit m\u00fcqavil\u0259si \u00fczr\u0259 m\u00fcnasib\u0259tl\u0259r konseptual olaraq t\u0259kmill\u0259\u015fdirilir. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki,\u00a0bu, Milli M\u0259clisin H\u00fcquq siyas\u0259ti v\u0259 d\u00f6vl\u0259t quruculu\u011fu komit\u0259sinin bu g\u00fcn ke\u00e7iril\u0259n iclas\u0131n\u0131n g\u00fcnd\u0259liyin\u0259 daxil edil\u0259n M\u00fclki M\u0259c\u0259ll\u0259y\u0259 t\u0259klif edil\u0259n d\u0259yi\u015fiklikd\u0259 \u0259ksini tap\u0131b. Haz\u0131rda borc m\u00fcqavil\u0259sinin predmeti pul m\u0259bl\u0259\u011fi oldu\u011fu halda o, kredit m\u00fcqavil\u0259si hesab olunur. T\u0259klif olunan d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, bu t\u0259l\u0259b…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/556357"}],"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=556357"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/556357\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/556358"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=556357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=556357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=556357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}