V\u0259t\u0259nda\u015f bankdan kredit g\u00f6t\u00fcr\u00fcb, daha sonra \u0259mlak\u0131n\u0131, i\u015fini itirib v\u0259 banka olan borcunu qaytara bilmir. Bu halda bank h\u0259min \u015f\u0259xs\u0259 qar\u015f\u0131 hans\u0131 t\u0259dbirl\u0259ri g\u00f6r\u0259 bil\u0259r? \u018fg\u0259r bank v\u0259t\u0259nda\u015f\u0131 m\u0259hk\u0259m\u0259y\u0259 ver\u0259rs\u0259, h\u0259min \u015f\u0259xs inzibati qaydada h\u0259bs edil\u0259 bil\u0259rmi?<\/p>\n
Bununla ba\u011fl\u0131 e-huquq.az-\u0131n suallar\u0131n\u0131 v\u0259kil X\u0259qani \u0130manov cavabland\u0131r\u0131b.<\/p>\n
Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu g\u00fcn Az\u0259rbaycanda h\u00fcquqi v\u0259 fiziki \u015f\u0259xsl\u0259rin kredit ehtiyaclar\u0131n\u0131 banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlari \u00f6d\u0259yir: “\u00dcmumiyy\u0259tl\u0259 \u00f6lk\u0259mizd\u0259n v\u0259t\u0259nda\u015flara veril\u0259n \u0259n geni\u015f kredit n\u00f6v\u00fc istehlak kreditl\u0259ridir. Bunun ba\u015fl\u0131ca s\u0259b\u0259bi banklar istehlak kreditl\u0259ri ver\u0259rk\u0259n v\u0259t\u0259nda\u015fdan t\u0259minat t\u0259l\u0259b etmir. Bir \u00e7ox banklar keyfiyy\u0259t\u0259 deyil, k\u0259miyy\u0259t\u0259 \u00fcst\u00fcnl\u00fck verirl\u0259r. V\u0259t\u0259nda\u015flar ad\u0259t\u0259n \u00f6z ehtiyaclar\u0131n\u0131 t\u0259min etm\u0259k m\u0259qs\u0259di il\u0259 banklardan \u00f6d\u0259m\u0259 qabiliyy\u0259tind\u0259n daha \u00e7ox kredit m\u0259bl\u0259\u011fi ist\u0259yir. Bel\u0259 olan halda v\u0259t\u0259nda\u015flar \u00f6d\u0259m\u0259 qabiliyy\u0259tind\u0259n art\u0131q borc y\u00fck\u00fcn\u00fcn alt\u0131na girir v\u0259 n\u0259tic\u0259d\u0259 \u00f6d\u0259m\u0259m\u0259 problemi yaran\u0131r. \u00dcmumiyy\u0259tl\u0259 problemli kreditl\u0259rin m\u00fctl\u0259q \u0259ks\u0259riyy\u0259ti t\u0259minats\u0131z veril\u0259n kreditl\u0259rd\u0259 \u00f6z\u00fcn\u00fc b\u00fcruz\u0259 verir. T\u0259minatl\u0131 kredit n\u00f6vl\u0259rinin t\u0259minat\u0131 oldu\u011fundan onun y\u0131\u011f\u0131lmas\u0131nda probleml\u0259r n\u0259z\u0259r\u0259\u00e7arpacaq d\u0259r\u0259c\u0259d\u0259 \u00e7ox deyil. Kredit ver\u0259n bank v\u0259 ya bank olmayan kredit t\u0259\u015fkilatlar\u0131 ist\u0259nil\u0259n halda, da\u015f\u0131nmaz \u0259mlak\u0131 h\u0259rraca \u00e7\u0131xar\u0131b, kreditin \u00f6d\u0259nilm\u0259sin\u0259 bir nail olurlar. Kredit borcuna g\u00f6r\u0259, v\u0259t\u0259nda\u015flar\u0131n h\u0259bs edilm\u0259si h\u0259m daxili qanunvericiliy\u0259, h\u0259m d\u0259 beyn\u0259lxalq konvensiya ziddir. Bel\u0259 ki, v\u0259t\u0259nda\u015f kredit borcuna g\u00f6r\u0259, o vaxt inzibati v\u0259 ya cinay\u0259t m\u0259suliyy\u0259tin\u0259 c\u0259lb oluna bil\u0259r ki, bank v\u0259 ya bank olmayan kredit t\u0259\u015fkilat\u0131ndan kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs kredit m\u00fcqavil\u0259sin\u0259 \u0259lav\u0259 edilmi\u015f \u00f6d\u0259ni\u015f c\u0259dv\u0259lin\u0259 uy\u011fun olaraq, kredit borcunu banka q\u0259r\u0259zli \u015f\u0259kild\u0259 \u00f6d\u0259mir v\u0259 kredit t\u0259\u015fkilat\u0131 preblemli kredit kimi qeyd\u0259 almal\u0131, yaranm\u0131\u015f preblemi t\u0259hlil etm\u0259li v\u0259 \u00f6d\u0259ni\u015f\u0259 nail olmal\u0131d\u0131r”.<\/p>\n
V\u0259kil bildirib ki, \u0259g\u0259r v\u0259t\u0259nda\u015f \u00f6d\u0259ni\u015f ed\u0259 bilm\u0259dikd\u0259, bank m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259li v\u0259 m\u00fcvafiq m\u0259hk\u0259m\u0259 q\u0259rar\u0131 qanuni q\u00fcvv\u0259sini ald\u0131qdan sonra q\u0259rar borclunun ya\u015fad\u0131\u011f\u0131 v\u0259 ya i\u015fl\u0259diyi \u0259razid\u0259ki icra m\u0259muruna g\u00f6nd\u0259rilm\u0259lidir: “\u0130cra m\u0259muru borcluya 10 g\u00fcn vaxt verir ki, borc \u00f6ht\u0259liyini k\u00f6n\u00fcll\u00fc olaraq \u00f6d\u0259sin. \u018fg\u0259r borc bu vaxt \u0259rzind\u0259 \u00f6d\u0259nmirs\u0259, borclu \u015f\u0259xsin \u0259mlak\u0131 oldu\u011fu s\u00fcbut olunursa v\u0259 o, bil\u0259r\u0259kd\u0259n borcu \u00f6d\u0259m\u0259kd\u0259n yay\u0131n\u0131rsa, \u00fcz\u00fcrs\u00fcz s\u0259b\u0259bd\u0259n, tam q\u0259r\u0259zli \u015f\u0259kild\u0259 borcunu \u00f6d\u0259m\u0259kd\u0259n yay\u0131nmas\u0131n\u0131 s\u00fcbut ed\u0259 bil\u0259rs\u0259, icra m\u0259muru m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259lidir. M\u0259hk\u0259m\u0259 d\u0259 onu \u0259sasland\u0131rmal\u0131d\u0131r ki, bu insan\u0131n h\u0259qiq\u0259t\u0259n d\u0259 imkan\u0131 var v\u0259 \u00f6d\u0259ni\u015f etmir. Yaxud da, i\u015fl\u0259m\u0259k imkan\u0131 var, amma i\u015fd\u0259n yay\u0131n\u0131r. Bel\u0259 olan halda \u0130nzibati X\u0259talar M\u0259c\u0259ll\u0259sinin 528-ci madd\u0259sin\u0259 \u0259sas\u0259n, c\u0259rim\u0259 oluna, h\u0259tta 1 aya kimi inzibati h\u0259bs c\u0259zas\u0131 ala bil\u0259r. V\u0259t\u0259nda\u015f borcunu bundan sonra da q\u0259r\u0259zli \u015f\u0259kild\u0259 \u00f6ht\u0259likl\u0259rini icra etm\u0259zs\u0259 v\u0259 borcu qaytarmaqdan imtina ed\u0259rs\u0259, art\u0131q onun \u00fc\u00e7\u00fcn cinay\u0259t i\u015fi a\u00e7\u0131la v\u0259 Az\u0259rbaycan Respublikas\u0131 Cinay\u0259t M\u0259c\u0259ll\u0259sinin 306-ci madd\u0259sin\u0259 \u0259sas\u0259n, 3 il\u0259 q\u0259d\u0259r azadl\u0131qdan m\u0259hrum oluna bil\u0259r. Ona g\u00f6r\u0259 d\u0259, birba\u015fa, konkret olaraq borc \u00f6ht\u0259liyin\u0259 g\u00f6r\u0259 m\u00fc\u015ft\u0259rinin h\u0259bsi n\u0259z\u0259rd\u0259 tutulmur. Sad\u0259c\u0259 m\u0259hk\u0259m\u0259 q\u0259tnam\u0259sinin icra edilm\u0259m\u0259sin\u0259 g\u00f6r\u0259, qanunvericilikd\u0259 bel\u0259 bir t\u0259dbirl\u0259r var”.<\/p>\n
X.\u0130manov qeyd edib ki, daxilii qanunvericiliyin bu normalar\u0131ndan sui-istifad\u0259 ed\u0259n kredit t\u0259\u015fkilatlar\u0131 v\u0259 icra m\u0259murlar\u0131 t\u0259r\u0259find\u0259n v\u0259t\u0259nda\u015fa t\u0259zyiq vasit\u0259si kimi istifad\u0259 edilir v\u0259 son zamanlar borcular v\u0259 zaminl\u0259r\u0259 qar\u015f\u0131 geni\u015f istifad\u0259 edilm\u0259y\u0259 ba\u015flan\u0131b: “Bizim yan\u0131m\u0131za kredit borcu olan v\u0259t\u0259nda\u015flar g\u0259lir. \u0130\u015fsizdi, \u0259mlak\u0131 yoxdu v\u0259 borcu \u00f6d\u0259y\u0259 bilmir. \u0130zah edirik ki, \u00f6d\u0259y\u0259 bilmirs\u0259, \u00f6d\u0259m\u0259m\u0259lidir. V\u0259t\u0259nda\u015f cavab verir ki, buna g\u00f6r\u0259 \u015f\u0259xsl\u0259rin h\u0259bs edildiyini e\u015fitmi\u015f\u0259m. Onlar borcunu ist\u0259nil\u0259n yolla geri qaytarmaq \u00fc\u00e7\u00fcn muxt\u0259lif cinay\u0259tl\u0259r\u0259 \u0259l atmal\u0131 olur v\u0259 h\u0259tta banka olan borcuna g\u00f6r\u0259 insanlar intiharada \u0259l at\u0131r. M\u0259nim fikrimc\u0259, \u0259g\u0259r v\u0259t\u0259nda\u015f\u0131n g\u0259liri yoxdursa, o borcunu \u00f6d\u0259y\u0259 bilmirs\u0259, bu onun t\u0259qsiri deyil. Daxili qanunvericiliyimiz\u0259 g\u00f6r\u0259, \u015f\u0259xs\u0259 c\u0259za yaln\u0131z o, t\u0259qsirli olarsa, veril\u0259 bil\u0259r.<\/p>\n
Bundan ba\u015fqa, borca g\u00f6r\u0259 h\u0259bs Az\u0259rbaycan Respublikas\u0131n\u0131n qo\u015fuldu\u011fu Beyn\u0259lxalq Konvensiya olan Avropa Konvensiyas\u0131n\u0131n t\u0259l\u0259bl\u0259rin\u0259 \u0259sas\u0259n d\u0259 qada\u011fan edilir. Bel\u0259 ki, Az\u0259rbaycan Respublikas\u0131n\u0131n Konstitusiyas\u0131na \u0259sas\u0259n, Az\u0259rbaycan Respublikas\u0131n\u0131n qanunvericilik sistemin\u0259 daxil olan normativ h\u00fcquqi aktlar il\u0259 (Az\u0259rbaycan Respublikas\u0131n\u0131n Konstitusiyas\u0131 v\u0259 referendumla q\u0259bul edil\u0259n aktlar istisna olmaqla) Az\u0259rbaycan Respublikas\u0131n\u0131n t\u0259r\u0259fdar \u00e7\u0131xd\u0131\u011f\u0131 d\u00f6vl\u0259tl\u0259raras\u0131 m\u00fcqavil\u0259l\u0259r aras\u0131nda ziddiyy\u0259t yaranarsa, h\u0259min beyn\u0259lxalq m\u00fcqavil\u0259l\u0259r t\u0259tbiq edilir. Bel\u0259 bir m\u00fcdd\u0259a olan halda Az\u0259rbaycan Respublikas\u0131n\u0131nda t\u0259r\u0259fdar \u00e7\u0131xd\u0131\u011f\u0131 “\u0130nsan H\u00fcquqlar\u0131n\u0131n v\u0259 \u018fsas Azadl\u0131qlar\u0131n\u0131n M\u00fcdafi\u0259si haqq\u0131nda” Avropa Konvensiyas\u0131n\u0131n 4 sayl\u0131 Protokolunun 1-ci madd\u0259sin\u0259 \u0259sas\u0259n, he\u00e7 k\u0259s borca g\u00f6r\u0259 azadl\u0131qdan m\u0259hrum edil\u0259 bilm\u0259z. V\u0259t\u0259nda\u015flar \u00f6z h\u00fcquqlar\u0131n\u0131 bilm\u0259dikl\u0259rin\u0259 g\u00f6r\u0259, bundam istifad\u0259 ed\u0259n icra m\u0259murlar\u0131 icraatlar\u0131nda olan i\u015f y\u00fck\u00fcn\u00fc azaltmaq m\u0259qs\u0259di il\u0259 v\u0259t\u0259nda\u015flar\u0131 h\u0259bs h\u0259d\u0259si il\u0259 borcunu \u00f6d\u0259tdirm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar amma bu tamamil\u0259 qanunsuzdur”.<\/p>\n","protected":false},"excerpt":{"rendered":"
V\u0259t\u0259nda\u015f bankdan kredit g\u00f6t\u00fcr\u00fcb, daha sonra \u0259mlak\u0131n\u0131, i\u015fini itirib v\u0259 banka olan borcunu qaytara bilmir. Bu halda bank h\u0259min \u015f\u0259xs\u0259 qar\u015f\u0131 hans\u0131 t\u0259dbirl\u0259ri g\u00f6r\u0259 bil\u0259r? \u018fg\u0259r bank v\u0259t\u0259nda\u015f\u0131 m\u0259hk\u0259m\u0259y\u0259 ver\u0259rs\u0259, h\u0259min \u015f\u0259xs inzibati qaydada h\u0259bs edil\u0259 bil\u0259rmi? Bununla ba\u011fl\u0131 e-huquq.az-\u0131n suallar\u0131n\u0131 v\u0259kil X\u0259qani \u0130manov cavabland\u0131r\u0131b. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu g\u00fcn Az\u0259rbaycanda h\u00fcquqi v\u0259 fiziki \u015f\u0259xsl\u0259rin…<\/p>\n","protected":false},"author":2,"featured_media":67606,"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\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743-300x180.jpg",300,180,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"newsmatic-featured":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"newsmatic-list":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,false],"newsmatic-thumb":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",300,180,false],"newsmatic-small":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",150,90,false],"newsmatic-grid":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",400,240,false],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2019\/06\/15609370858869566905d0a027d7b743.jpg",550,330,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":"V\u0259t\u0259nda\u015f bankdan kredit g\u00f6t\u00fcr\u00fcb, daha sonra \u0259mlak\u0131n\u0131, i\u015fini itirib v\u0259 banka olan borcunu qaytara bilmir. Bu halda bank h\u0259min \u015f\u0259xs\u0259 qar\u015f\u0131 hans\u0131 t\u0259dbirl\u0259ri g\u00f6r\u0259 bil\u0259r? \u018fg\u0259r bank v\u0259t\u0259nda\u015f\u0131 m\u0259hk\u0259m\u0259y\u0259 ver\u0259rs\u0259, h\u0259min \u015f\u0259xs inzibati qaydada h\u0259bs edil\u0259 bil\u0259rmi? Bununla ba\u011fl\u0131 e-huquq.az-\u0131n suallar\u0131n\u0131 v\u0259kil X\u0259qani \u0130manov cavabland\u0131r\u0131b. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu g\u00fcn Az\u0259rbaycanda h\u00fcquqi v\u0259 fiziki \u015f\u0259xsl\u0259rin...","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/67605"}],"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=67605"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/67605\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/67606"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=67605"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=67605"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=67605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}