{"id":678319,"date":"2024-01-10T16:43:14","date_gmt":"2024-01-10T12:43:14","guid":{"rendered":"https:\/\/arantv.az\/?p=678319"},"modified":"2024-01-10T16:43:14","modified_gmt":"2024-01-10T12:43:14","slug":"bu-il-qadinlar-nec%c9%99-yasinda-pensiya-ala-bil%c9%99c%c9%99kl%c9%99r-arasdirma-c%c9%99dv%c9%99l","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=678319","title":{"rendered":"Bu il qad\u0131nlar ne\u00e7\u0259 ya\u015f\u0131nda pensiya ala bil\u0259c\u0259kl\u0259r? – ARA\u015eDIRMA + C\u018fDV\u018fL"},"content":{"rendered":"

\u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d Qanuna \u0259sas\u0259n, qad\u0131nlar\u0131n pensiyaya \u00e7\u0131xma ya\u015f\u0131 2024-c\u00fc ild\u0259 daha alt\u0131 ay art\u0131r\u0131lacaq. Bununla da 2024-c\u00fc il iyulun 1-d\u0259n pensiyaya \u00e7\u0131xmaq ist\u0259y\u0259n qad\u0131nlardan ya\u015f t\u0259l\u0259bi 63 ya\u015f 6 ay olacaq.<\/p>\n

\u00d6lk\u0259d\u0259 2020-ci il iyul ay\u0131n\u0131n 1-d\u0259n ki\u015fil\u0259rin pensiya ya\u015f\u0131 65 il t\u0259\u015fkil edir. H\u0259min vaxt qad\u0131nlar 62 ya\u015f\u0131nda pensiya ala bilirdil\u0259r. Qad\u0131nlar\u0131n pensiya ya\u015f\u0131n\u0131n h\u0259r il alt\u0131 ay art\u0131r\u0131lmas\u0131 v\u0259 2027-ci ild\u0259 ki\u015fil\u0259rl\u0259 eyni – 65 ya\u015f – olaca\u011f\u0131 qanunda \u00f6z \u0259ksini tap\u0131b.<\/p>\n

\u018fvv\u0259lc\u0259 diqq\u0259t\u0259 \u00e7atd\u0131raq ki, s\u00f6z\u00fcged\u0259n qanunun 7-ci madd\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f ki\u015fil\u0259rin ya\u015f h\u0259ddi 2017-ci il iyulun 1-d\u0259n ba\u015flayaraq 2021-ci il iyulun 1-d\u0259k, 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\u0131laraq a\u015fa\u011f\u0131dak\u0131 qaydada m\u00fc\u0259yy\u0259nl\u0259\u015fdirilib:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
D\u00f6vr<\/strong><\/td>\nKi\u015fil\u0259r \u00fczr\u0259 pensiya ya\u015f\u0131<\/strong><\/td>\nQad\u0131nlar \u00fczr\u0259 pensiya ya\u015f\u0131<\/strong><\/td>\n<\/tr>\n
1 iyul 2017 – 30 iyun 2018<\/strong><\/td>\n63 il 6 ay<\/strong><\/td>\n60 il 6 ay<\/strong><\/td>\n<\/tr>\n
1 iyul 2018 – 30 iyun 2019<\/strong><\/td>\n64 il<\/strong><\/td>\n61 il<\/strong><\/td>\n<\/tr>\n
1 iyul 2019 – 30 iyun 2020<\/strong><\/td>\n64 il 6 ay<\/strong><\/td>\n61 il 6 ay<\/strong><\/td>\n<\/tr>\n
1 iyul 2020 – 30 iyun 2021<\/strong><\/td>\n65 il<\/strong><\/td>\n62 il<\/strong><\/td>\n<\/tr>\n
1 iyul 2021 – 30 iyun 2022<\/strong><\/td>\n65 il<\/strong><\/td>\n62 il 6 ay<\/strong><\/td>\n<\/tr>\n
1 iyul 2022 – 30 iyun 2023<\/strong><\/td>\n65 il<\/strong><\/td>\n63 il<\/strong><\/td>\n<\/tr>\n
1 iyul 2023 – 30 iyun 2024<\/strong><\/td>\n65 il<\/strong><\/td>\n63 il 6 ay<\/strong><\/td>\n<\/tr>\n
1 iyul 2024 – 30 iyun 2025<\/strong><\/td>\n65 il<\/strong><\/td>\n64 il<\/strong><\/td>\n<\/tr>\n
1 iyul 2025 – 30 iyun 2026<\/strong><\/td>\n65 il<\/strong><\/td>\n64 il 6 ay<\/strong><\/td>\n<\/tr>\n
1 iyul 2026 v\u0259 sonra<\/strong><\/td>\n65 il<\/strong><\/td>\n65 il<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

C\u0259dv\u0259ld\u0259n d\u0259 g\u00f6r\u00fcnd\u00fcy\u00fc kimi, 2024-c\u00fc il iyulun 1-d\u0259n 2025-ci il iyunun 30-na kimi 64 ya\u015f\u0131 tamam olan qad\u0131nlar pensiyaya \u00e7\u0131xa bil\u0259c\u0259kl\u0259r.<\/p>\n

Pensiyaya \u00e7\u0131xmaq \u00fc\u00e7\u00fcn t\u0259l\u0259b olunan iki \u0259sas \u015f\u0259rt:<\/p>\n

Ya\u015f\u0131 uy\u011fun g\u0259l\u0259n \u015f\u0259xsl\u0259rin pensiyaya \u00e7\u0131xa bilm\u0259si \u00fc\u00e7\u00fcn iki \u015f\u0259rtd\u0259n biri \u00f6d\u0259nilm\u0259lidir: ya pensiya ya\u015f\u0131na \u00e7atan \u015f\u0259xsl\u0259rin pensiya kapital\u0131 minimum pensiya kapital\u0131ndan \u00e7ox olmal\u0131d\u0131r (haz\u0131rda bu kapital 40 320 manatd\u0131r – red.), ya da \u0259n az\u0131 25 il s\u0131\u011forta staj\u0131 olmal\u0131d\u0131r. Ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 pensiya h\u00fcququ olan \u015f\u0259xsin m\u00fcraci\u0259ti \u0259sas\u0131nda, \u00f6m\u00fcrl\u00fck t\u0259yin edilir. Minimum pensiya m\u0259bl\u0259\u011fi 280 manatd\u0131r.<\/p>\n

Pensiya kapital\u0131 anlay\u0131\u015f\u0131 n\u0259dir?<\/strong><\/p>\n

Pensiya kapital\u0131 anlay\u0131\u015f\u0131 iki hiss\u0259d\u0259n ibar\u0259tdir: 1) F\u0259rdi u\u00e7ot sistemind\u0259 y\u0131\u011f\u0131lan pensiya kapital\u0131 2) G\u00fcz\u0259\u015ft m\u00fcdd\u0259tin\u0259 g\u00f6r\u0259 hesablanan \u0259lav\u0259 pensiya kapital\u0131.<\/p>\n

Misal \u00fc\u00e7\u00fcn: Hesab ed\u0259k ki, 64 ya\u015f\u0131 tamam olan bir qad\u0131n\u0131n f\u0259rdi pensiya hesab\u0131nda 50 min manat, y\u0259ni t\u0259l\u0259b olunandan \u00e7ox pensiya kapital\u0131 var. Bu kapitala g\u00f6r\u0259, pensiya 347,22 manat olacaq. H\u0259min \u015f\u0259xsin 2006-c\u0131 ild\u0259n 2018-ci ilin iyulun 1-n\u0259 q\u0259d\u0259r d\u0259 pensiya kapital\u0131 olduqda is\u0259 ona \u0259lav\u0259 21 il staj hesablanacaq. 2006-c\u0131 ild\u0259n \u0259vv\u0259lki d\u00f6vr is\u0259 hesablanm\u0131r.<\/p>\n

M\u00f6vcud qaydalara \u0259sas\u0259n, \u0259lav\u0259 stajlar\u0131n h\u0259r ilin\u0259 g\u00f6r\u0259 306 manat pensiya kapital\u0131 hesablan\u0131r. Bu m\u0259bl\u0259\u011f, inflyasiyaya uy\u011fun olaraq, h\u0259r il art\u0131r\u0131l\u0131r. \u018flav\u0259 staja g\u00f6r\u0259 d\u0259 kapital hesabland\u0131qda pensiya ya\u015f\u0131na \u00e7atan \u015f\u0259xsin pensiyas\u0131 art\u0131q 347,22 manat yox, 388,16 manat t\u0259\u015fkil ed\u0259c\u0259k.<\/p>\n

Qeyd ed\u0259k ki, bu il (2024-c\u00fc ild\u0259) pensiyaya \u00e7\u0131xanlar \u00fc\u00e7\u00fcn \u0259lav\u0259 staj 21 ildir v\u0259 h\u0259r il \u0259lav\u0259 staj bir il olmaqla azald\u0131l\u0131r. \u018fg\u0259r v\u0259t\u0259nda\u015f pensiya ya\u015f\u0131na \u00e7at\u0131b, amma laz\u0131mi q\u0259d\u0259r kapital\u0131 yoxdursa, o zaman staja bax\u0131l\u0131r.<\/p>\n

Dey\u0259k ki, pensiya ya\u015f\u0131na \u00e7atan \u015f\u0259xsin 30 min manat pensiya kapital\u0131 var. Bu o dem\u0259kdir ki, onun kapital\u0131 minimum t\u0259l\u0259bd\u0259n (40 320 manatdan) 10 320 manat azd\u0131r. Amma onun \u015f\u0259xsi pensiya kapital\u0131n\u0131n bir hiss\u0259si 2018-ci il iyul ay\u0131n\u0131n 1-n\u0259 q\u0259d\u0259r toplanmaqla yana\u015f\u0131, onun 2018-24-c\u00fc ill\u0259rd\u0259 \u0259n az\u0131 d\u00f6rd il staj\u0131 da var. Bu halda ona 21 il \u0259lav\u0259 staj verilir v\u0259 \u00fcmumi staj 25 il t\u0259\u015fkil edir. Bu halda o staja g\u00f6r\u0259 pensiyaya \u00e7\u0131xa bilir v\u0259 bu zaman pensiyas\u0131 316,5 manat t\u0259\u015fkil edir.<\/p>\n

F\u0259rdi hesabdak\u0131 kapital 30 min manatdan az olarsa, t\u0259bii ki, t\u0259yin edil\u0259n pensiya m\u0259bl\u0259\u011fi d\u0259 azal\u0131r. Azalan m\u0259bl\u0259\u011f is\u0259 he\u00e7 bir halda minimum pensiyadan az ola bilm\u0259z.<\/p>\n

F\u0259rdi hesabda toplanan kapital minimum kapitaldan az oldu\u011fu v\u0259 2018-ci il iyulun 1-n\u0259 q\u0259d\u0259r pensiya kapital\u0131 toplanmad\u0131\u011f\u0131 halda v\u0259t\u0259nda\u015f pensiyaya \u00e7\u0131xa bilmir v\u0259 ona ya\u015fa g\u00f6r\u0259 m\u00fcavin\u0259t t\u0259yin edilir. Haz\u0131rda ya\u015fa g\u00f6r\u0259 m\u00fcavin\u0259tin m\u0259bl\u0259\u011fi 220 manat t\u0259\u015fkil edir.<\/p>\n

D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun a\u00e7\u0131qlamas\u0131nda g\u00f6st\u0259rilir ki, 2023-c\u00fc il iyulun 1-n\u0259 \u00f6lk\u0259 \u0259razisind\u0259 pensiya\u00e7\u0131lar\u0131n \u00fcmumi say\u0131 1 milyon 96,6 min n\u0259f\u0259r, ayl\u0131q pensiyalar\u0131n orta m\u0259bl\u0259\u011fi is\u0259 435 manatd\u0131r. Qeyd ed\u0259k ki, 2023-c\u00fc il yanvar ay\u0131n\u0131n 1-n\u0259 1 milyon 114,2 min n\u0259f\u0259r pensiya\u00e7\u0131 qeyd\u0259 al\u0131nm\u0131\u015fd\u0131. Bu is\u0259 o dem\u0259kdir ki, yar\u0131m il \u0259rzind\u0259 pensiya\u00e7\u0131lar\u0131n say\u0131 17,6 min n\u0259f\u0259r azal\u0131b.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d Qanuna \u0259sas\u0259n, qad\u0131nlar\u0131n pensiyaya \u00e7\u0131xma ya\u015f\u0131 2024-c\u00fc ild\u0259 daha alt\u0131 ay art\u0131r\u0131lacaq. Bununla da 2024-c\u00fc il iyulun 1-d\u0259n pensiyaya \u00e7\u0131xmaq ist\u0259y\u0259n qad\u0131nlardan ya\u015f t\u0259l\u0259bi 63 ya\u015f 6 ay olacaq. \u00d6lk\u0259d\u0259 2020-ci il iyul ay\u0131n\u0131n 1-d\u0259n ki\u015fil\u0259rin pensiya ya\u015f\u0131 65 il t\u0259\u015fkil edir. H\u0259min vaxt qad\u0131nlar 62 ya\u015f\u0131nda pensiya ala bilirdil\u0259r. Qad\u0131nlar\u0131n pensiya ya\u015f\u0131n\u0131n h\u0259r il alt\u0131 ay art\u0131r\u0131lmas\u0131 v\u0259 2027-ci ild\u0259 ki\u015fil\u0259rl\u0259 eyni – 65 ya\u015f – olaca\u011f\u0131 qanunda \u00f6z \u0259ksini tap\u0131b. \u018fvv\u0259lc\u0259 diqq\u0259t\u0259 \u00e7atd\u0131raq ki, s\u00f6z\u00fcged\u0259n qanunun 7-ci madd\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f ki\u015fil\u0259rin ya\u015f h\u0259ddi 2017-ci il…<\/p>\n","protected":false},"author":2,"featured_media":530979,"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\/2022\/11\/manat_yeni.jpg",620,465,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni.jpg",620,465,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni.jpg",620,465,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni-487x365.jpg",487,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni.jpg",620,465,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni.jpg",620,465,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni.jpg",620,465,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/11\/manat_yeni.jpg",620,465,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":"\u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d Qanuna \u0259sas\u0259n, qad\u0131nlar\u0131n pensiyaya \u00e7\u0131xma ya\u015f\u0131 2024-c\u00fc ild\u0259 daha alt\u0131 ay art\u0131r\u0131lacaq. Bununla da 2024-c\u00fc il iyulun 1-d\u0259n pensiyaya \u00e7\u0131xmaq ist\u0259y\u0259n qad\u0131nlardan ya\u015f t\u0259l\u0259bi 63 ya\u015f 6 ay olacaq. \u00d6lk\u0259d\u0259 2020-ci il iyul ay\u0131n\u0131n 1-d\u0259n ki\u015fil\u0259rin pensiya ya\u015f\u0131 65 il t\u0259\u015fkil edir. H\u0259min vaxt qad\u0131nlar 62 ya\u015f\u0131nda pensiya ala bilirdil\u0259r. Qad\u0131nlar\u0131n pensiya…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/678319"}],"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=678319"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/678319\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/530979"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=678319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=678319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=678319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}