{"id":669767,"date":"2023-12-16T19:45:45","date_gmt":"2023-12-16T15:45:45","guid":{"rendered":"https:\/\/arantv.az\/?p=669767"},"modified":"2023-12-16T19:45:45","modified_gmt":"2023-12-16T15:45:45","slug":"bankda-pulu-olanlar-ucun-sad-x%c9%99b%c9%99r-gorun-g%c9%99liriniz-n%c9%99-q%c9%99d%c9%99r-artacaq","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=669767","title":{"rendered":"Bankda pulu olanlar \u00fc\u00e7\u00fcn \u015eAD X\u018fB\u018fR: G\u00f6r\u00fcn g\u0259liriniz n\u0259 q\u0259d\u0259r artacaq"},"content":{"rendered":"<p><strong>Vergi M\u0259c\u0259ll\u0259sin\u0259 edil\u0259n d\u0259yi\u015fikliy\u0259 g\u00f6r\u0259, Az\u0259rbaycanda v\u0259t\u0259nda\u015flar\u0131n banka qoydu\u011fu \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n ayl\u0131q faiz g\u0259lirl\u0259rinin vergid\u0259n azad olunmas\u0131 prosesi h\u0259yata ke\u00e7iril\u0259c\u0259k.<\/strong><\/p>\n<p>Xat\u0131rladaq ki, bundan \u00f6nc\u0259 banklardak\u0131 \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n ayl\u0131q faiz g\u0259lirl\u0259ri 10 faiz h\u0259cmind\u0259 vergiy\u0259 c\u0259lb edilirdi. Bu qaydadan h\u0259m insanlar, h\u0259m m\u00fct\u0259x\u0259ssisl\u0259r naraz\u0131 idi. \u0130ndi bu qaydalara d\u0259yi\u015fiklik edilm\u0259si n\u0259z\u0259rd\u0259 tutulur. Lakin burada ayd\u0131n olmayan m\u0259qamlar m\u00f6vcuddur&#8230;<\/p>\n<p><strong>\u018fsas mahiyy\u0259t g\u0259lirl\u0259rin vergid\u0259n azad olunmas\u0131d\u0131r<\/strong><\/p>\n<p>Milli M\u0259clisin \u0130qtisadi siyas\u0259t, s\u0259naye v\u0259 sahibkarl\u0131q komit\u0259sinin \u00fczv\u00fc, deputat V\u00fcqar Bayramov dedi ki, Vergi M\u0259c\u0259ll\u0259sin\u0259 \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n faizl\u0259rl\u0259 ba\u011fl\u0131 iki d\u0259yi\u015fiklik edilm\u0259si n\u0259z\u0259rd\u0259 tutulub: \u201cD\u0259yi\u015fiklikl\u0259rin \u0259sas mahiyy\u0259ti orta \u0259man\u0259t\u0259 sahib v\u0259t\u0259nda\u015flar\u0131n ayl\u0131q v\u0259 illik g\u0259lirl\u0259rinin vergid\u0259n azad olunmas\u0131d\u0131r. Yeni qaydalar\u0131n yanvar\u0131n 1-d\u0259n q\u00fcvv\u0259y\u0259 minm\u0259si n\u0259z\u0259rd\u0259 tutulur. D\u0259yi\u015fiklikl\u0259r\u0259 g\u00f6r\u0259, ayl\u0131q 200 manata, illik 2400 manata q\u0259d\u0259r olan faiz g\u0259lirl\u0259ri vergid\u0259n azad edil\u0259c\u0259k. \u018fg\u0259r v\u0259t\u0259nda\u015f\u0131n bankda 30 min manatl\u0131q \u0259man\u0259ti varsa, h\u0259min \u0259man\u0259t\u0259 g\u00f6r\u0259 s\u0259kkiz faiz g\u0259lir hesablan\u0131rsa, bu o dem\u0259kdir ki, v\u0259t\u0259nda\u015f\u0131n illik \u0259ld\u0259 etdiyi g\u0259lir 2400 manatd\u0131r. Bu halda v\u0259t\u0259nda\u015f\u0131n b\u00fct\u00fcn il \u0259rzind\u0259 faizd\u0259n qazand\u0131\u011f\u0131 g\u0259lir tamamil\u0259 vergid\u0259n azad olunur. Yox, \u0259g\u0259r v\u0259t\u0259nda\u015f\u0131n bankda 50 min manat depoziti varsa, vergi s\u0259kkiz faizd\u0259n hesablan\u0131rsa, h\u0259min v\u0259t\u0259nda\u015f\u0131n illik g\u0259liri d\u00f6rd min manat edir. O zaman d\u00f6rd min manatdan 2400 manat \u00e7\u0131x\u0131l\u0131r. V\u0259t\u0259nda\u015f yerd\u0259 qalan 1600 manatdan 10 faiz vergi verm\u0259lidir. Y\u0259ni m\u00fc\u015ft\u0259rinin illik 4000 manatl\u0131q g\u0259lirinin 160 manat\u0131 vergiy\u0259 tutulur. \u0130kinci d\u0259yi\u015fiklik is\u0259 bel\u0259dir ki, \u0259g\u0259r v\u0259t\u0259nda\u015f 18 ayl\u0131q \u0259man\u0259t yerl\u0259\u015fdiribs\u0259, o, \u0259ld\u0259 etdiyi g\u0259lird\u0259n as\u0131l\u0131 olmayaraq tamamil\u0259 vergid\u0259n azad olunacaq\u201d.<\/p>\n<p>&nbsp;<\/p>\n<figure><img loading=\"lazy\" src=\"https:\/\/publika.az\/storage\/2023\/11\/28\/vuqar_bayramov.jpg\" alt=\"\" width=\"1920\" height=\"1080\" \/><\/figure>\n<p>&nbsp;<\/p>\n<p><strong>Banklarda \u0259man\u0259tl\u0259r artacaq?<\/strong><\/p>\n<p>Mill\u0259t v\u0259kilinin fikrinc\u0259, bu d\u0259yi\u015fikliyin iki s\u0259b\u0259bi var: \u201cH\u0259r iki yeniliyin \u0259sas m\u0259qs\u0259di banklara daha \u00e7ox \u0259man\u0259tin c\u0259lb edilm\u0259sin\u0259 nail olmaqd\u0131r. \u00c7\u00fcnki 2023-c\u00fc ilin fevral\u0131ndan etibar\u0259n vergi g\u00fcz\u0259\u015ftl\u0259rinin l\u0259\u011fv edilm\u0259si banklara \u0259man\u0259tl\u0259rin c\u0259lb olunmas\u0131na birba\u015fa t\u0259sir g\u00f6st\u0259rmi\u015fdi. Dig\u0259r m\u0259qs\u0259d is\u0259 ondan ibar\u0259tdir ki, 18 ay v\u0259 daha uzun m\u00fcdd\u0259tli \u0259man\u0259tl\u0259rin say\u0131 arts\u0131n\u201d.<\/p>\n<p><strong>H\u00fcquqi yox, fiziki \u015f\u0259xsl\u0259r<\/strong><\/p>\n<p>Az\u0259rbaycan Banklar Assosiasiyas\u0131n\u0131n eksperti, bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 m\u00fct\u0259x\u0259ssis Qorxmaz A\u011fayev bildirdi ki, qanunda edil\u0259c\u0259k birinci d\u0259yi\u015fikliy\u0259 g\u00f6r\u0259, g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti n\u0259z\u0259rd\u0259 tutulmay\u0131b: \u201cDepozitl\u0259rl\u0259 ba\u011fl\u0131 olan iki d\u0259yi\u015fiklik d\u0259 yaln\u0131z fiziki \u015f\u0259xsl\u0259r\u0259 aiddir. H\u00fcquqi \u015f\u0259xsl\u0259r\u0259 \u015famil edilmir. \u018fvv\u0259l \u0259man\u0259t\u0259 g\u00f6r\u0259 \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011fd\u0259n 10 faiz vergi tutulurdu. \u0130ndi edil\u0259n d\u0259yi\u015fikliy\u0259 g\u00f6r\u0259 ayl\u0131q 200 manatad\u0259k, qazanc varsa, ondan he\u00e7 bir vergi tutulmayacaq. 200 manatdan yuxar\u0131 g\u0259lirl\u0259r\u0259 is\u0259 yen\u0259 d\u0259 10 faiz vergi t\u0259tbiq olunacaq. Bu d\u0259yi\u015fiklikl\u0259 ba\u011fl\u0131 g\u00fcz\u0259\u015ftin q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti g\u00f6st\u0259rilm\u0259yib. Y\u0259ni qanun d\u0259yi\u015fm\u0259y\u0259n\u0259 q\u0259d\u0259r q\u00fcvv\u0259d\u0259 qalacaq\u201d.<\/p>\n<p>&nbsp;<\/p>\n<figure><img src=\"https:\/\/kaspi.az\/storage\/posts\/large\/ppYuoRgpqum8wTYO6izoIOowzF58JvSNkuSp7Rox.jpg\" alt=\"\" \/><\/figure>\n<p>&nbsp;<\/p>\n<p><strong>Yaln\u0131z milli valyuta \u00fc\u00e7\u00fcn ke\u00e7\u0259rlidir<\/strong><\/p>\n<p>Q.A\u011fayevin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, ikinci d\u0259yi\u015fiklikd\u0259 is\u0259 g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti t\u0259yin edilib: \u201cV\u0259t\u0259nda\u015flar \u0259man\u0259tl\u0259rini 18 aydan \u00e7ox m\u00fcdd\u0259t\u0259 qoyarlarsa, ayda 100 min manat g\u0259lir \u0259ld\u0259 ets\u0259l\u0259r d\u0259, he\u00e7 bir vergi \u00f6d\u0259m\u0259y\u0259c\u0259kl\u0259r. Bu d\u0259yi\u015fikliyin q\u00fcvv\u0259d\u0259 olma m\u00fcdd\u0259ti haz\u0131rda \u00fc\u00e7 ildir. D\u0259yi\u015fiklikl\u0259r yaln\u0131z milli valyutada qoyulan \u0259man\u0259tl\u0259r\u0259 aiddir. Dig\u0259r valyutalarda olan \u0259man\u0259tl\u0259r\u0259 bu g\u00fcz\u0259\u015ftl\u0259r t\u0259tbiq edilm\u0259y\u0259c\u0259k\u201d.<\/p>\n<p><strong>Daha uzunm\u00fcdd\u0259tli kredit imkan\u0131<\/strong><\/p>\n<p>Ekspert qeyd etdi ki, yenilik h\u0259m banklar, h\u0259m d\u0259 insanlar \u00fc\u00e7\u00fcn faydal\u0131d\u0131r: \u201cBu d\u0259yi\u015fiklikl\u0259rin \u0259sas \u0259h\u0259miyy\u0259ti v\u0259t\u0259nda\u015flar\u0131n bank sistemin\u0259 inam\u0131n\u0131 daha da g\u00fccl\u0259ndir\u0259r\u0259k onlar\u0131 pullar\u0131n\u0131 daha uzun m\u00fcdd\u0259t\u0259 banka qoyma\u011fa t\u0259\u015fviq etm\u0259kdir. V\u0259t\u0259nda\u015f \u00fc\u00e7\u00fcn d\u0259 \u00f6n\u0259mlidir ki, \u0259lind\u0259 na\u011fd pul saxlamayacaq, banka qoydu\u011fu v\u0259saitd\u0259n uzunm\u00fcdd\u0259tli g\u0259lir \u0259ld\u0259 ed\u0259c\u0259k v\u0259 he\u00e7 bir vergi d\u0259 \u00f6d\u0259m\u0259y\u0259c\u0259k. Bank \u00fc\u00e7\u00fcn is\u0259 \u0259h\u0259miyy\u0259ti budur ki, \u0259halinin depozitl\u0259ri bank\u0131n f\u0259aliyy\u0259tinin \u0259sas maliyy\u0259 m\u0259nb\u0259l\u0259rind\u0259n biridir. C\u0259lb edilmi\u015f depozitl\u0259r hesab\u0131na banklar kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tini daha da g\u00fccl\u0259ndir\u0259c\u0259kl\u0259r. Banklar \u00fc\u00e7\u00fcn ikinci faydas\u0131 odur ki, daha uzunm\u00fcdd\u0259tli kreditl\u0259r ver\u0259 bil\u0259c\u0259kl\u0259r. V\u0259t\u0259nda\u015f bil\u0259c\u0259k ki, 18 ay m\u00fcdd\u0259tin\u0259 depozit qoysa v\u0259 onu \u00e7\u0131xarmasa tam vergi g\u00fcz\u0259\u015fti \u015famil olunacaq. Bel\u0259 olan halda \u0259man\u0259tin\u0259 toxunmayacaq v\u0259 bank da h\u0259min v\u0259sait hesab\u0131na daha uzunm\u00fcdd\u0259tli kreditl\u0259\u015fm\u0259 h\u0259yata ke\u00e7ir\u0259c\u0259k\u201d.<\/p>\n<p><strong>\u018fman\u0259t h\u0259m d\u0259 investisiya al\u0259tidir<\/strong><\/p>\n<p>Q.A\u011fayev d\u00fc\u015f\u00fcn\u00fcr ki, Vergi M\u0259c\u0259ll\u0259sin\u0259 edil\u0259n d\u0259yi\u015fiklikl\u0259r h\u0259m d\u0259 iqtisadiyyat\u0131m\u0131z\u0131n g\u00fccl\u0259nm\u0259sin\u0259 s\u0259b\u0259b olacaq: \u201c\u018fman\u0259t h\u0259m d\u0259 investisiya al\u0259tidir. Bu halda onlar\u0131n investisiya al\u0259ti kimi c\u0259lbediciliyi daha da artacaq. \u0130qtisadiyyat \u00fc\u00e7\u00fcn d\u0259 faydal\u0131 olacaq ki, v\u0259t\u0259nda\u015flar v\u0259saitl\u0259ri na\u011fd yox, bank hesablar\u0131nda saxlayacaqlar. Bel\u0259likl\u0259, iqtisadiyyat\u0131n na\u011fds\u0131zla\u015fd\u0131r\u0131lmas\u0131 prosesi daha da s\u00fcr\u0259tl\u0259n\u0259c\u0259k\u201d. (&#8220;Kaspi&#8221; q\u0259zeti)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vergi M\u0259c\u0259ll\u0259sin\u0259 edil\u0259n d\u0259yi\u015fikliy\u0259 g\u00f6r\u0259, Az\u0259rbaycanda v\u0259t\u0259nda\u015flar\u0131n banka qoydu\u011fu \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n ayl\u0131q faiz g\u0259lirl\u0259rinin vergid\u0259n azad olunmas\u0131 prosesi h\u0259yata ke\u00e7iril\u0259c\u0259k. Xat\u0131rladaq ki, bundan \u00f6nc\u0259 banklardak\u0131 \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n ayl\u0131q faiz g\u0259lirl\u0259ri 10 faiz h\u0259cmind\u0259 vergiy\u0259 c\u0259lb edilirdi. Bu qaydadan h\u0259m insanlar, h\u0259m m\u00fct\u0259x\u0259ssisl\u0259r naraz\u0131 idi. \u0130ndi bu qaydalara d\u0259yi\u015fiklik edilm\u0259si n\u0259z\u0259rd\u0259 tutulur. Lakin burada ayd\u0131n olmayan m\u0259qamlar m\u00f6vcuddur&#8230; \u018fsas mahiyy\u0259t g\u0259lirl\u0259rin vergid\u0259n azad olunmas\u0131d\u0131r Milli M\u0259clisin \u0130qtisadi siyas\u0259t, s\u0259naye v\u0259 sahibkarl\u0131q komit\u0259sinin \u00fczv\u00fc, deputat V\u00fcqar Bayramov dedi ki, Vergi M\u0259c\u0259ll\u0259sin\u0259 \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n faizl\u0259rl\u0259 ba\u011fl\u0131 iki d\u0259yi\u015fiklik edilm\u0259si n\u0259z\u0259rd\u0259 tutulub: \u201cD\u0259yi\u015fiklikl\u0259rin \u0259sas&hellip;<\/p>\n","protected":false},"author":2,"featured_media":669768,"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":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0.jpg",812,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0.jpg",812,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0.jpg",812,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0-593x365.jpg",593,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0.jpg",640,394,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0.jpg",812,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0.jpg",812,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/12\/df4942e533d72fcc9ee85592cca851e0.jpg",812,500,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=26\" rel=\"category\">Sosial<\/a>","rttpg_excerpt":"Vergi M\u0259c\u0259ll\u0259sin\u0259 edil\u0259n d\u0259yi\u015fikliy\u0259 g\u00f6r\u0259, Az\u0259rbaycanda v\u0259t\u0259nda\u015flar\u0131n banka qoydu\u011fu \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n ayl\u0131q faiz g\u0259lirl\u0259rinin vergid\u0259n azad olunmas\u0131 prosesi h\u0259yata ke\u00e7iril\u0259c\u0259k. Xat\u0131rladaq ki, bundan \u00f6nc\u0259 banklardak\u0131 \u0259man\u0259tl\u0259rd\u0259n g\u0259l\u0259n ayl\u0131q faiz g\u0259lirl\u0259ri 10 faiz h\u0259cmind\u0259 vergiy\u0259 c\u0259lb edilirdi. Bu qaydadan h\u0259m insanlar, h\u0259m m\u00fct\u0259x\u0259ssisl\u0259r naraz\u0131 idi. \u0130ndi bu qaydalara d\u0259yi\u015fiklik edilm\u0259si n\u0259z\u0259rd\u0259 tutulur. Lakin burada ayd\u0131n olmayan&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/669767"}],"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=669767"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/669767\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/669768"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=669767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=669767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=669767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}