B\u0259s kredit\u0259 zaminlik hans\u0131 \u00f6hd\u0259likl\u0259r yarad\u0131r?\u00a0\u201cReport\u201d\u00a0bu m\u0259s\u0259l\u0259ni iqtisad\u00e7\u0131-ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib.<\/p>\n
Onlardan biri Xalid K\u0259rimli deyir ki, kimins\u0259 kredit g\u00f6t\u00fcrm\u0259si \u00fc\u00e7\u00fcn zamin duran \u015f\u0259xs \u00fcz\u0259rin\u0259 borcalanla birlikd\u0259 eyni \u00f6hd\u0259liyi g\u00f6t\u00fcr\u00fcr:<\/p>\n
\u201cKredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259 ona zamin duran \u015f\u0259xs eyni statusda olur. V\u0259t\u0259nda\u015f borcu \u00f6d\u0259y\u0259 bilm\u0259diyi halda, borc zamind\u0259n t\u0259l\u0259b edilir. Bu s\u0259b\u0259bd\u0259n zaminin g\u0259lirl\u0259ri borcalanla eyni qaydada yoxlan\u0131l\u0131r. Nadir hallarda banklar zaminlik \u00fc\u00e7\u00fcn bir q\u0259d\u0259r yum\u015faq \u015f\u0259rtl\u0259r qoyurlar\u201d.<\/p>\n
Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u0259g\u0259r kims\u0259 zaminliy\u0259 raz\u0131 olursa, bu \u00f6hd\u0259lik onun m\u0259rk\u0259zl\u0259\u015fdirilmi\u015f kredit reyestrind\u0259ki (MKR) tarix\u00e7\u0259sin\u0259 d\u0259 d\u00fc\u015f\u00fcr:<\/p>\n
\u201cZamin durdu\u011funuz borc sizin kredit tarix\u00e7\u0259nizd\u0259 \u00f6hd\u0259liyiniz kimi qeyd edilir v\u0259 bir n\u00f6v sizin kredit borcunuz olur. Bu zaman sizin kredit g\u00f6t\u00fcrm\u0259k imkanlar\u0131n\u0131z nisb\u0259t\u0259n azal\u0131r. \u00c7\u00fcnki Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 borcun g\u0259lir\u0259 nisb\u0259tin\u0259 n\u0259zar\u0259t edir. H\u0259min nisb\u0259t 70%-i ke\u00e7m\u0259m\u0259lidir. Bu \u015f\u0259rt zaminl\u0259r\u0259 d\u0259 aiddir. S\u00f6hb\u0259t ondan getmir ki, zamin duran \u015f\u0259xs kredit g\u00f6t\u00fcr\u0259 bilm\u0259z. Sad\u0259c\u0259 zaminliyi olan \u015f\u0259xs\u0259 kredit veril\u0259nd\u0259 onun zamin durdu\u011fu borc da g\u0259lirind\u0259n \u00e7\u0131x\u0131l\u0131r v\u0259 kredit qalan hiss\u0259y\u0259 uy\u011fun – az m\u0259bl\u0259\u011fd\u0259 verilir\u201d.<\/p>\n
<\/p>\n
X.K\u0259rimli, h\u0259m\u00e7inin bildirir ki, b\u0259zi banklar zamin t\u0259l\u0259b ets\u0259l\u0259r d\u0259, borcalandan h\u0259yat\u0131n\u0131 s\u0131\u011fortalama\u011f\u0131 da t\u0259l\u0259b edirl\u0259r:<\/p>\n
\u201c\u018fslind\u0259 qanunvericilikd\u0259 bel\u0259 bir t\u0259l\u0259b yoxdur, sad\u0259c\u0259 banklar bu t\u0259l\u0259bi qoyurlar ki, sabah borcalan\u0131n ba\u015f\u0131na bir i\u015f g\u0259ls\u0259 – y\u0259ni v\u0259t\u0259nda\u015f v\u0259fat ets\u0259 v\u0259 yaxud \u0259m\u0259k qabiliyy\u0259tini itirs\u0259, borcu ilk n\u00f6vb\u0259d\u0259 s\u0131\u011forta \u015firk\u0259ti \u00f6d\u0259sin. Borcalan\u0131n h\u0259yat s\u0131\u011fortas\u0131 olmad\u0131qda is\u0259, krediti zamin qaytarmal\u0131d\u0131r\u201d.<\/p>\n
Dig\u0259r iqtisad\u00e7\u0131-ekspert \u018fkr\u0259m H\u0259s\u0259nov is\u0259 deyir ki, Az\u0259rbaycanda kredit borcuna zaminliyin qanunvericilikd\u0259 iki formas\u0131 var:<\/p>\n
\u201cBunlar subsidiar zaminlik (\u0259lav\u0259 zaminlik) v\u0259 birg\u0259 zaminlikdir. 1-cisi odur ki, borcalan krediti \u00f6d\u0259y\u0259 bilm\u0259diyi halda, bank onu m\u0259hk\u0259m\u0259y\u0259 verm\u0259li, borcalan\u0131n qanunla borcu \u00f6d\u0259y\u0259 bilm\u0259m\u0259si t\u0259sdiql\u0259ndikd\u0259n sonra borcu zamind\u0259n t\u0259l\u0259b etm\u0259lidir. Birg\u0259 zaminlikd\u0259 is\u0259 bank \u00f6d\u0259nilm\u0259y\u0259n krediti birba\u015fa (d\u0259rhal) zamind\u0259n t\u0259l\u0259b edir. Zamin \u00f6d\u0259ni\u015f edib, sonradan h\u0259min m\u0259bl\u0259\u011fi borcalandan t\u0259l\u0259b ed\u0259 bil\u0259r. Az\u0259rbaycanda banklar ad\u0259t\u0259n birg\u0259 zaminlik formas\u0131 il\u0259 kredit ay\u0131r\u0131r v\u0259 borc \u00f6d\u0259nilm\u0259dikd\u0259 h\u0259m zamind\u0259n, h\u0259m d\u0259 borcalandan \u00f6d\u0259ni\u015f t\u0259l\u0259b edir. B\u00fct\u00fcn bunlar zaminlik m\u00fcqavil\u0259sind\u0259 g\u00f6st\u0259rilm\u0259li, zamin \u00f6hd\u0259liyi hans\u0131 \u015f\u0259rtl\u0259rl\u0259 g\u00f6t\u00fcrd\u00fcy\u00fcn\u00fc bilm\u0259lidir\u201d.<\/p>\n
<\/p>\n
Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259 d\u0259, borcalan\u0131n v\u0259fat etm\u0259si zamini \u00f6hd\u0259likd\u0259n azad etmir:<\/p>\n
\u201cOla bil\u0259r ki, borcalan v\u0259fat etdiyi zaman hans\u0131sa bir \u0259mlak\u0131 olsun, o zaman kredit borcu h\u0259min \u0259mlakdan tutula bil\u0259r. \u018fg\u0259r v\u0259fat ed\u0259n \u015f\u0259xsin \u0259mlak\u0131 v\u0259r\u0259s\u0259l\u0259rin\u0259 ke\u00e7irs\u0259, bu halda onlar borcu \u00f6d\u0259m\u0259lidirl\u0259r. Borcalan\u0131n \u0259mlak\u0131 yoxdursa v\u0259 yaxud kredit g\u00f6t\u00fcr\u00fcl\u0259n m\u0259bl\u0259\u011fi qar\u015f\u0131lam\u0131rsa, bu halda \u00f6d\u0259ni\u015f zamind\u0259n t\u0259l\u0259b olunur. V\u0259t\u0259nda\u015flar zamin olduqlar\u0131 zaman bu kimi hallar\u0131 n\u0259z\u0259r\u0259 almal\u0131d\u0131rlar\u201d.<\/p>\n
\u018f.H\u0259s\u0259nov h\u0259m\u00e7inin bildirir ki, Az\u0259rbaycanda yaln\u0131z 20-25 illik m\u00fcdd\u0259t\u0259 veril\u0259n ipoteka kreditl\u0259rind\u0259 zamin\u0259 ehtiyac olmur:<\/p>\n
\u201cBu kreditl\u0259rd\u0259 m\u00fctl\u0259q h\u0259yat s\u0131\u011fortas\u0131 t\u0259l\u0259b olunur. B\u0259zi hallarda borcalanlar h\u0259yat\u0131n\u0131 s\u0131\u011fortalamaq ist\u0259m\u0259diyi \u00fc\u00e7\u00fcn zamin vasit\u0259si il\u0259 kredit g\u00f6t\u00fcrm\u0259k ist\u0259yirl\u0259r. Buna raz\u0131la\u015fan zaminl\u0259r \u0259n az\u0131 kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsd\u0259n h\u0259yat s\u0131\u011fortas\u0131n\u0131 t\u0259l\u0259b ed\u0259 v\u0259 riski azalda bil\u0259rl\u0259r. Bu halda borcalan \u015f\u0259xsin v\u0259fat etm\u0259si v\u0259 yaxud \u0259m\u0259k qabiliyy\u0259tini itirm\u0259si hallar\u0131nda s\u0131\u011forta \u015firk\u0259ti qalan \u00f6d\u0259ni\u015fi tamamlay\u0131r\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"
Az\u0259rbaycandak\u0131 banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 v\u0259t\u0259nda\u015flara zaminsiz kreditl\u0259r t\u0259klif ets\u0259l\u0259r d\u0259, bu, m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011f\u0259 q\u0259d\u0259r veril\u0259n kreditl\u0259r\u0259 aid olur. \u018fks\u0259r hallarda kredit t\u0259\u015fkilatlar\u0131 5-10 min manatdan \u00e7ox kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259rd\u0259n t\u0259minat – ad\u0259t\u0259n zamin t\u0259l\u0259b edirl\u0259r. B\u0259s kredit\u0259 zaminlik hans\u0131 \u00f6hd\u0259likl\u0259r yarad\u0131r?\u00a0\u201cReport\u201d\u00a0bu m\u0259s\u0259l\u0259ni iqtisad\u00e7\u0131-ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib. Onlardan biri Xalid K\u0259rimli deyir ki, kimins\u0259 kredit g\u00f6t\u00fcrm\u0259si \u00fc\u00e7\u00fcn zamin duran \u015f\u0259xs \u00fcz\u0259rin\u0259 borcalanla birlikd\u0259 eyni \u00f6hd\u0259liyi g\u00f6t\u00fcr\u00fcr: \u201cKredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259 ona zamin duran \u015f\u0259xs eyni statusda olur. V\u0259t\u0259nda\u015f borcu \u00f6d\u0259y\u0259 bilm\u0259diyi halda, borc zamind\u0259n t\u0259l\u0259b edilir. Bu s\u0259b\u0259bd\u0259n zaminin g\u0259lirl\u0259ri…<\/p>\n","protected":false},"author":2,"featured_media":558325,"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":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/01\/FotoJet-2023-01-27T115924.105.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Az\u0259rbaycandak\u0131 banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 v\u0259t\u0259nda\u015flara zaminsiz kreditl\u0259r t\u0259klif ets\u0259l\u0259r d\u0259, bu, m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011f\u0259 q\u0259d\u0259r veril\u0259n kreditl\u0259r\u0259 aid olur. \u018fks\u0259r hallarda kredit t\u0259\u015fkilatlar\u0131 5-10 min manatdan \u00e7ox kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259rd\u0259n t\u0259minat – ad\u0259t\u0259n zamin t\u0259l\u0259b edirl\u0259r. B\u0259s kredit\u0259 zaminlik hans\u0131 \u00f6hd\u0259likl\u0259r yarad\u0131r?\u00a0\u201cReport\u201d\u00a0bu m\u0259s\u0259l\u0259ni iqtisad\u00e7\u0131-ekspertl\u0259rl\u0259 m\u00fczakir\u0259 edib. Onlardan biri Xalid K\u0259rimli deyir ki, kimins\u0259…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/558323"}],"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=558323"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/558323\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/558325"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=558323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=558323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=558323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}