Bu g\u00fcn bir \u00e7ox insan\u0131 maraqland\u0131ran suallardan biri d\u0259 v\u0259fat ed\u0259n \u015f\u0259xsl\u0259rin kredit borclar\u0131n\u0131n kiml\u0259r t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259li oldu\u011fudur. B\u0259z\u0259n yax\u0131n\u0131n\u0131 itirmi\u015f \u015f\u0259xsl\u0259r, x\u00fcsusil\u0259 d\u0259 zamin duran insanlar ondan geriy\u0259 qalan borcu \u00f6d\u0259m\u0259kd\u0259n imtina edirl\u0259r. Bu da banklarla h\u0259min \u015f\u0259xsl\u0259r aras\u0131nda m\u00fcnaqi\u015f\u0259l\u0259r\u0259 s\u0259b\u0259b olur.<\/p>\n
\u015e\u0259xs \u00f6ld\u00fckd\u0259n sonra onun h\u0259yatda oldu\u011fu d\u00f6vrd\u0259 g\u00f6t\u00fcrd\u00fcy\u00fc kredit borclar\u0131n\u0131n aqib\u0259ti nec\u0259 olur?<\/p>\n
M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0Sonxeber.az<\/a>-a V\u0259kill\u0259r Kollegiyas\u0131n\u0131n \u00fczv\u00fc B\u0259hruz Orucov a\u00e7\u0131qlama verib.<\/p>\n O bildirib ki, \u00f6l\u0259n \u015f\u0259xsin bankda olan kredit borcu il\u0259 \u0259laq\u0259dar v\u0259r\u0259s\u0259l\u0259ri bar\u0259d\u0259 m\u0259hk\u0259m\u0259l\u0259r\u0259 m\u00fcraci\u0259tl\u0259r olunur. \u018fslind\u0259 bu m\u00fcnasib\u0259tl\u0259r qanunvericilikd\u0259 birm\u0259nal\u0131 t\u0259nziml\u0259nmi\u015fdir.<\/p>\n “\u0130lk n\u00f6vb\u0259d\u0259 qeyd edilm\u0259lidir ki, \u00f6l\u0259n \u015f\u0259xsin h\u0259m h\u00fcquqi v\u0259 d\u0259 fiziki \u015f\u0259xsl\u0259rin qar\u015f\u0131s\u0131nda \u00f6hd\u0259likl\u0259ri ola bil\u0259r. Lakin \u015f\u0259xs \u00f6ld\u00fckd\u0259 h\u00fcquqi f\u0259aliyy\u0259t qabiliyy\u0259tini itirdiyind\u0259n, \u00f6hd\u0259likl\u0259rin icras\u0131 qeyri-m\u00fcmk\u00fcn olur. Buna misal \u00fc\u00e7\u00fcn \u015f\u0259xsin \u00f6lm\u0259mi\u015fd\u0259n \u0259vv\u0259l h\u0259r hans\u0131 bir ma\u011fazadan g\u00f6t\u00fcrd\u00fcy\u00fc m\u0259hsulun kredit \u00f6d\u0259ni\u015fl\u0259rini, eyni zamanda daha \u00e7ox rast g\u0259lin\u0259n bank qar\u015f\u0131s\u0131nda g\u00f6t\u00fcrd\u00fcy\u00fc kredit \u00f6hd\u0259likl\u0259rini g\u00f6st\u0259rm\u0259k olar. V\u0259t\u0259nda\u015flar\u0131m\u0131zda yaln\u0131\u015f bir fikir formala\u015fm\u0131\u015fd\u0131r ki, \u0259g\u0259r \u015f\u0259xs \u00f6l\u00fcrs\u0259, onda onun \u00f6hd\u0259likl\u0259rin\u0259 d\u0259 xitam verilir. \u018fslind\u0259 v\u0259r\u0259s\u0259likl\u0259 ba\u011fl\u0131 m\u00fcnasib\u0259tl\u0259ri t\u0259nziml\u0259y\u0259n normalarda g\u00f6st\u0259rilmi\u015fdir ki, miras \u015f\u0259xs \u00f6ld\u00fckd\u0259 v\u0259 ya \u00f6lm\u00fc\u015f elan edildikd\u0259 a\u00e7\u0131l\u0131r. Mirasa \u0259mlak aktiv v\u0259 passivd\u0259n ibar\u0259t olur. Aktivl\u0259r\u0259 \u015f\u0259xsin da\u015f\u0131nar, da\u015f\u0131nmaz \u0259mlak\u0131 v\u0259 dig\u0259r qiym\u0259tli \u0259\u015fyalar aid edilir. Passiv\u0259 is\u0259 \u015f\u0259xsin \u00f6l\u0259nd\u0259n sonra borclar\u0131, kredit v\u0259 dig\u0259r \u00f6hd\u0259likl\u0259ri aiddir. Bel\u0259likl\u0259 g\u00f6r\u00fcr\u00fck ki, v\u0259r\u0259s\u0259l\u0259r \u015f\u0259xsin \u00f6l\u00fcm\u00fcnd\u0259n sonra onun \u0259mlak\u0131 il\u0259 b\u0259rab\u0259r onun \u00f6hd\u0259likl\u0259rini v\u0259 borclar\u0131n\u0131 da q\u0259bul etm\u0259y\u0259 m\u0259cburdurlar. M\u0259hk\u0259m\u0259 t\u0259cr\u00fcb\u0259sind\u0259 tez-tez rast g\u0259lin\u0259n i\u015fl\u0259rd\u0259n biri d\u0259 kreditorun borculunun v\u0259r\u0259s\u0259l\u0259rini m\u0259hk\u0259m\u0259y\u0259 verm\u0259kl\u0259 onlardan \u00f6hd\u0259likl\u0259ri yerin\u0259 yetirm\u0259sini t\u0259l\u0259b etm\u0259sidir. Bir s\u00f6zl\u0259 \u015f\u0259xs \u00f6ld\u00fckd\u0259n sonra onun v\u0259r\u0259s\u0259l\u0259ri bir ba\u015fa h\u0259min \u00f6hd\u0259likl\u0259r \u00fczr\u0259 borcluya \u00e7evrilirl\u0259r. Lakin v\u0259t\u0259nda\u015flar bir m\u0259qam\u0131 unutmamal\u0131d\u0131lar ki, \u015f\u0259xs \u00f6l\u0259nd\u0259n sonra he\u00e7 bir aktiv saxlamam\u0131\u015fd\u0131rsa, onda passivl\u0259r d\u0259 v\u0259r\u0259s\u0259l\u0259r\u0259 ke\u00e7mir. Y\u0259ni miras \u0259mlak\u0131n aktiv hiss\u0259sini q\u0259bul ed\u0259n v\u0259r\u0259s\u0259, h\u0259min pay \u00fczr\u0259 d\u0259 passiv, y\u0259ni \u00f6hd\u0259likl\u0259ri d\u0259 q\u0259bul edir. \u018fg\u0259r \u015f\u0259xsin \u0259mlak\u0131 yoxdursa, v\u0259r\u0259s\u0259l\u0259r\u0259 qar\u015f\u0131 \u00f6hd\u0259likl\u0259rin yerin\u0259 yetirilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259l\u0259bl\u0259rin ir\u0259li s\u00fcr\u00fclm\u0259si yol verilm\u0259zdir”.<\/p>\n","protected":false},"excerpt":{"rendered":" Bu g\u00fcn bir \u00e7ox insan\u0131 maraqland\u0131ran suallardan biri d\u0259 v\u0259fat ed\u0259n \u015f\u0259xsl\u0259rin kredit borclar\u0131n\u0131n kiml\u0259r t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259li oldu\u011fudur. B\u0259z\u0259n yax\u0131n\u0131n\u0131 itirmi\u015f \u015f\u0259xsl\u0259r, x\u00fcsusil\u0259 d\u0259 zamin duran insanlar ondan geriy\u0259 qalan borcu \u00f6d\u0259m\u0259kd\u0259n imtina edirl\u0259r. Bu da banklarla h\u0259min \u015f\u0259xsl\u0259r aras\u0131nda m\u00fcnaqi\u015f\u0259l\u0259r\u0259 s\u0259b\u0259b olur. \u015e\u0259xs \u00f6ld\u00fckd\u0259n sonra onun h\u0259yatda oldu\u011fu d\u00f6vrd\u0259 g\u00f6t\u00fcrd\u00fcy\u00fc kredit borclar\u0131n\u0131n aqib\u0259ti nec\u0259 olur? M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0Sonxeber.az-a V\u0259kill\u0259r Kollegiyas\u0131n\u0131n \u00fczv\u00fc B\u0259hruz Orucov a\u00e7\u0131qlama verib. O bildirib ki, \u00f6l\u0259n \u015f\u0259xsin bankda olan kredit borcu il\u0259 \u0259laq\u0259dar v\u0259r\u0259s\u0259l\u0259ri bar\u0259d\u0259 m\u0259hk\u0259m\u0259l\u0259r\u0259 m\u00fcraci\u0259tl\u0259r olunur. \u018fslind\u0259 bu m\u00fcnasib\u0259tl\u0259r qanunvericilikd\u0259 birm\u0259nal\u0131 t\u0259nziml\u0259nmi\u015fdir. “\u0130lk n\u00f6vb\u0259d\u0259…<\/p>\n","protected":false},"author":2,"featured_media":669492,"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\/12\/v1_31702646965.jpg",480,336,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965.jpg",480,336,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965.jpg",480,336,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965-480x280.jpg",480,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965.jpg",480,336,false],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965.jpg",480,336,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965.jpg",480,336,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965.jpg",480,336,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/v1_31702646965.jpg",480,336,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":"Bu g\u00fcn bir \u00e7ox insan\u0131 maraqland\u0131ran suallardan biri d\u0259 v\u0259fat ed\u0259n \u015f\u0259xsl\u0259rin kredit borclar\u0131n\u0131n kiml\u0259r t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259li oldu\u011fudur. B\u0259z\u0259n yax\u0131n\u0131n\u0131 itirmi\u015f \u015f\u0259xsl\u0259r, x\u00fcsusil\u0259 d\u0259 zamin duran insanlar ondan geriy\u0259 qalan borcu \u00f6d\u0259m\u0259kd\u0259n imtina edirl\u0259r. Bu da banklarla h\u0259min \u015f\u0259xsl\u0259r aras\u0131nda m\u00fcnaqi\u015f\u0259l\u0259r\u0259 s\u0259b\u0259b olur. \u015e\u0259xs \u00f6ld\u00fckd\u0259n sonra onun h\u0259yatda oldu\u011fu d\u00f6vrd\u0259 g\u00f6t\u00fcrd\u00fcy\u00fc kredit borclar\u0131n\u0131n aqib\u0259ti nec\u0259…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/669491"}],"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=669491"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/669491\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/669492"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=669491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=669491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=669491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}