\u0130nsanlar i\u015fl\u0259yirl\u0259r v\u0259 bunun m\u00fcqabilind\u0259 ald\u0131qlar\u0131 m\u0259vacibl\u0259rd\u0259n vergi tutularaq pensiya kapital\u0131na y\u00f6n\u0259ldilir.<\/p>\n
\u0130ndiy\u0259d\u0259k qad\u0131nlar 63 ya\u015f\u0131ndan pensiyaya \u00e7\u0131xa bilirdil\u0259rs\u0259, 2023-c\u00fc ilin iyulun 1-d\u0259n etibar\u0259n bu ya\u015f h\u0259ddi 63,5 ya\u015fa qald\u0131r\u0131l\u0131b.<\/p>\n
Qeyd ed\u0259k ki, bu art\u0131m h\u0259r alt\u0131 aydan bir olur.<\/p>\n
Bel\u0259 ki, ki\u015fil\u0259rin ya\u015f h\u0259ddinin h\u0259r il alt\u0131 ay art\u0131r\u0131lmas\u0131 2017-ci il iyulun 1-d\u0259n ba\u015flayaraq 2021-ci il iyulun 1-d\u0259k davam etdi. Amma qad\u0131nlar\u0131n ya\u015f h\u0259ddi 2017-ci il iyulun 1-d\u0259n ba\u015flayaraq 2027-ci il iyulun 1-d\u0259k h\u0259r il alt\u0131 ay art\u0131r\u0131lacaq.<\/p>\n
2027-ci ild\u0259 ki\u015fi v\u0259 qad\u0131nlar \u00fc\u00e7\u00fcn ya\u015f h\u0259ddi eyni – 65 – olacaq.<\/p>\n
<\/p>\n
B\u0259s sual olunur, pensiya kapital\u0131 y\u0131\u011f\u0131lm\u0131\u015f \u015f\u0259xs pensiya ya\u015f\u0131ndan \u0259vv\u0259l v\u0259fat ed\u0259rs\u0259, h\u0259min m\u0259bl\u0259\u011fin aqib\u0259ti nec\u0259 olur?<\/p>\n
Yaxud v\u0259t\u0259nda\u015f v\u0259fat etdikd\u0259 h\u0259min pensiya kapital\u0131 haraya y\u00f6nl\u0259ndirilir? Varisl\u0259r \u00f6l\u0259n \u015f\u0259xsin pensiya kapital\u0131n\u0131 ala bil\u0259rl\u0259rmi?<\/p>\n
\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi tabeliyind\u0259 D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun (DSMF) \u0130ctimaiyy\u0259tl\u0259 \u018flaq\u0259l\u0259r Departamentinin m\u00fcdiri\u00a0R\u0259\u015fad Mehdili Oxu.Az<\/strong>-\u0131n sor\u011fusuna cavab olaraq bildirib ki, v\u0259t\u0259nda\u015f\u0131n f\u0259rdi hesab\u0131n\u0131n s\u0131\u011forta hiss\u0259sind\u0259 toplanm\u0131\u015f pensiya kapital\u0131ndan qanunvericiliy\u0259 uy\u011fun olaraq yaln\u0131z pensiya m\u0259qs\u0259dl\u0259ri \u00fc\u00e7\u00fcn istifad\u0259 oluna bil\u0259r:<\/p>\n \u201cY\u0259ni v\u0259t\u0259nda\u015f\u0131n xeyrin\u0259 \u00f6d\u0259nilmi\u015f m\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011forta haqlar\u0131ndan istifad\u0259 sosial s\u0131\u011forta hadis\u0259si ba\u015f verdikd\u0259, m\u0259s\u0259l\u0259n, pensiya ya\u015f\u0131na \u00e7atd\u0131qda, \u0259lilliyi m\u00fc\u0259yy\u0259n edildikd\u0259, ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirdikd\u0259 v\u0259 sair h\u0259yata ke\u00e7irilir. Qanunvericiliy\u0259 g\u00f6r\u0259, v\u0259t\u0259nda\u015f pensiya ya\u015f\u0131na \u00e7atmay\u0131bsa v\u0259 ya bu ya\u015fa \u00e7atanad\u0259k \u0259lilliyi m\u00fc\u0259yy\u0259n edilm\u0259yibs\u0259, f\u0259rdi \u015f\u0259xsi hesab\u0131nda toplanm\u0131\u015f pensiya kapital\u0131ndan istifad\u0259 ed\u0259 bilmir.<\/p>\n H\u0259min \u015f\u0259xs v\u0259fat etdiyi, yaxud h\u0259lak oldu\u011fu halda toplanm\u0131\u015f pensiya kapital\u0131 onun \u00f6hd\u0259sind\u0259 olan ail\u0259 \u00fczvl\u0259rin\u0259 – 18 ya\u015f\u0131nad\u0259k (\u0259yani t\u0259hsil alan 23 ya\u015f\u0131nad\u0259k) \u00f6vladlar\u0131na, 18 ya\u015f\u0131na \u00e7atanad\u0259k \u0259lilliyi m\u00fc\u0259yy\u0259n olunmu\u015f 18 ya\u015f\u0131ndan yuxar\u0131 \u0259lilliyi olan \u00f6vladlar\u0131na, pensiya ya\u015f\u0131na \u00e7atm\u0131\u015f, yaxud orqanizmin funksiyalar\u0131n\u0131n 61-80 faiz v\u0259 ya 81-100 faiz pozulmas\u0131na g\u00f6r\u0259 \u0259lilliyi m\u00fc\u0259yy\u0259n edilmi\u015f ata v\u0259 anas\u0131na, \u0259rin\u0259 v\u0259 ya arvad\u0131na, s\u0259kkiz ya\u015f\u0131na \u00e7atmam\u0131\u015f u\u015faqlar\u0131na, qarda\u015flar\u0131na, bac\u0131lar\u0131na, n\u0259v\u0259l\u0259rin\u0259 baxan v\u0259 i\u015fl\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259r\u0259 (valideynl\u0259rind\u0259n biri, \u0259ri (arvad\u0131), babas\u0131, n\u0259n\u0259si, qarda\u015f\u0131, bac\u0131s\u0131) ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 t\u0259yin edil\u0259r\u0259k \u00f6d\u0259nilir.<\/p>\n G\u00f6r\u00fcnd\u00fcy\u00fc kimi, \u015f\u0259xsin toplad\u0131\u011f\u0131 pensiya kapital\u0131 o, d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdiyi halda ail\u0259 \u00fczvl\u0259rinin sosial t\u0259minat\u0131 \u00fc\u00e7\u00fcn istifad\u0259 olunur. Pensiyalarda h\u0259r ilin \u0259vv\u0259lind\u0259 indeksasiya n\u0259tic\u0259sind\u0259 edil\u0259n art\u0131mlar qeyd edil\u0259n bu pensiyalara da \u015famil olunur\u201d.<\/p>\n R.Mehdili \u0259lav\u0259 edib ki, v\u0259t\u0259nda\u015f\u0131n f\u0259rdi hesab\u0131nda toplanan pensiya kapital\u0131 ona qanunvericilikl\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada yaln\u0131z pensiya \u015f\u0259klind\u0259 \u00f6d\u0259nilir.<\/p>\n Deputat\u00a0V\u00fcqar Bayraml\u0131 Oxu.Az<\/strong>-a a\u00e7\u0131qlamas\u0131nda qeyd edib ki, pensiya kapital\u0131n\u0131n istifad\u0259si il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259r verilib:<\/p>\n \u201cBu kapitaldan istifad\u0259 v\u0259 onun bir hiss\u0259sinin varis\u0259 ke\u00e7m\u0259si il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259rin m\u00fczakir\u0259si, bu istiqam\u0259td\u0259 add\u0131mlar at\u0131lmas\u0131 m\u0259qs\u0259d\u0259uy\u011fun olard\u0131. T\u0259klif olunur ki, bir s\u0131ra inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 oldu\u011fu kimi, minimum pensiya kapital\u0131n\u0131n m\u0259bl\u0259\u011fi il\u0259 yana\u015f\u0131, orta pensiya kapital\u0131 anlay\u0131\u015f\u0131ndan da istifad\u0259 olunsun. Orta pensiya kapital\u0131ndan \u00e7ox pensiya kapital\u0131 alan v\u0259t\u0259nda\u015flar h\u0259min v\u0259saitd\u0259n m\u0259rh\u0259l\u0259li \u015f\u0259kild\u0259 istifad\u0259 etm\u0259 h\u00fcququna malik olsunlar.<\/p>\n M\u0259s\u0259l\u0259n, minimum pensiya kapital\u0131 40 min, orta pensiya kapital\u0131 80 min manat ola bil\u0259r. 80 min manatdan art\u0131q y\u0131\u011f\u0131m\u0131 olan v\u0259t\u0259nda\u015f art\u0131q pensiya ya\u015f\u0131 \u00e7atmadan o v\u0259saitd\u0259n istifad\u0259 ed\u0259 bil\u0259r. T\u0259bii ki, bu r\u0259q\u0259ml\u0259r nisbidir. G\u0259lirl\u0259r\u0259 uy\u011fun olaraq, minimum v\u0259 orta pensiya kapitallar\u0131n\u0131n r\u0259q\u0259ml\u0259rini t\u0259yin etm\u0259k m\u00fcmk\u00fcnd\u00fcr. Bu, imkan ver\u0259c\u0259k ki, y\u0131\u011f\u0131m\u0131 olan v\u0259t\u0259nda\u015flar pensiyan\u0131 g\u00f6zl\u0259m\u0259d\u0259n y\u0131\u011f\u0131mdan istifad\u0259 etsinl\u0259r.<\/p>\n Dig\u0259r t\u0259klifimiz ondan ibar\u0259tdir ki, pensiya kapital\u0131n\u0131n bir hiss\u0259sind\u0259n kredit faizl\u0259rinin, t\u0259hsil haqq\u0131n\u0131n, s\u0259hiyy\u0259 v\u0259 kommunal xidm\u0259tl\u0259rin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn istifad\u0259 olunsun. Bu, imkan ver\u0259c\u0259k ki, v\u0259t\u0259nda\u015f toplad\u0131\u011f\u0131 minimum kapitaldan art\u0131q hiss\u0259 il\u0259 m\u00fc\u0259yy\u0259n v\u0259saitl\u0259ri pensiya ya\u015f\u0131 tamam olmadan istifad\u0259 etsin. N\u0259tic\u0259d\u0259 v\u0259t\u0259nda\u015f pensiya kapital\u0131ndan daha s\u0259m\u0259r\u0259li \u015f\u0259kild\u0259 istifad\u0259 ed\u0259 bil\u0259r\u201d.<\/p>\n Deputat vur\u011fulay\u0131b ki, pensiya kapital\u0131n\u0131n varisl\u0259r\u0259 \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyinin statistikas\u0131 var:<\/p>\n \u201cBel\u0259 ki, nazirliyin statistikas\u0131na g\u00f6r\u0259, v\u0259fat ed\u0259n pensiya\u00e7\u0131n\u0131n kapital\u0131n\u0131n \u00fc\u00e7d\u0259biri varisl\u0259r\u0259 transfer olunur. Biz ist\u0259yirik ki, pensiya kapital\u0131n\u0131n bir hiss\u0259si varisin pensiya kapital\u0131na \u0259lav\u0259 olunsun. Az\u0259rbaycanda orta pensiya m\u00fcdd\u0259ti 12 il t\u0259yin edilibs\u0259, v\u0259t\u0259nda\u015f pensiya ya\u015f\u0131 tamam olmadan, yaxud pensiyaya \u00e7\u0131xd\u0131qdan bir m\u00fcdd\u0259t sonra v\u0259fat edirs\u0259, toplanan m\u0259bl\u0259\u011fin varisinin kapital\u0131na ke\u00e7m\u0259si uy\u011fun olard\u0131. Bu, pensiya y\u0131\u011f\u0131m\u0131na mara\u011f\u0131n artmas\u0131na, b\u00fct\u00f6vl\u00fckd\u0259 m\u0259\u015f\u011fullu\u011fun \u015f\u0259ffafl\u0131\u011f\u0131n\u0131n artmas\u0131na g\u0259tirib \u00e7\u0131xarard\u0131\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" \u0130nsanlar i\u015fl\u0259yirl\u0259r v\u0259 bunun m\u00fcqabilind\u0259 ald\u0131qlar\u0131 m\u0259vacibl\u0259rd\u0259n vergi tutularaq pensiya kapital\u0131na y\u00f6n\u0259ldilir. \u0130ndiy\u0259d\u0259k qad\u0131nlar 63 ya\u015f\u0131ndan pensiyaya \u00e7\u0131xa bilirdil\u0259rs\u0259, 2023-c\u00fc ilin iyulun 1-d\u0259n etibar\u0259n bu ya\u015f h\u0259ddi 63,5 ya\u015fa qald\u0131r\u0131l\u0131b. Qeyd ed\u0259k ki, bu art\u0131m h\u0259r alt\u0131 aydan bir olur. Bel\u0259 ki, ki\u015fil\u0259rin ya\u015f h\u0259ddinin h\u0259r il alt\u0131 ay art\u0131r\u0131lmas\u0131 2017-ci il iyulun 1-d\u0259n ba\u015flayaraq 2021-ci il iyulun 1-d\u0259k davam etdi. Amma qad\u0131nlar\u0131n ya\u015f h\u0259ddi 2017-ci il iyulun 1-d\u0259n ba\u015flayaraq 2027-ci il iyulun 1-d\u0259k h\u0259r il alt\u0131 ay art\u0131r\u0131lacaq. 2027-ci ild\u0259 ki\u015fi v\u0259 qad\u0131nlar \u00fc\u00e7\u00fcn ya\u015f h\u0259ddi eyni – 65…<\/p>\n","protected":false},"author":2,"featured_media":641168,"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\/10\/pensiya.jpg",768,403,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya.jpg",768,403,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya.jpg",768,403,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya-660x346.jpg",660,346,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya.jpg",640,336,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya.jpg",768,403,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya.jpg",768,403,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/10\/pensiya.jpg",768,403,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":"\u0130nsanlar i\u015fl\u0259yirl\u0259r v\u0259 bunun m\u00fcqabilind\u0259 ald\u0131qlar\u0131 m\u0259vacibl\u0259rd\u0259n vergi tutularaq pensiya kapital\u0131na y\u00f6n\u0259ldilir. \u0130ndiy\u0259d\u0259k qad\u0131nlar 63 ya\u015f\u0131ndan pensiyaya \u00e7\u0131xa bilirdil\u0259rs\u0259, 2023-c\u00fc ilin iyulun 1-d\u0259n etibar\u0259n bu ya\u015f h\u0259ddi 63,5 ya\u015fa qald\u0131r\u0131l\u0131b. Qeyd ed\u0259k ki, bu art\u0131m h\u0259r alt\u0131 aydan bir olur. Bel\u0259 ki, ki\u015fil\u0259rin ya\u015f h\u0259ddinin h\u0259r il alt\u0131 ay art\u0131r\u0131lmas\u0131 2017-ci il iyulun 1-d\u0259n ba\u015flayaraq…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/663488"}],"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=663488"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/663488\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/641168"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=663488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=663488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=663488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n
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