{"id":684735,"date":"2024-01-28T21:06:10","date_gmt":"2024-01-28T17:06:10","guid":{"rendered":"https:\/\/arantv.az\/?p=684735"},"modified":"2024-01-28T21:06:10","modified_gmt":"2024-01-28T17:06:10","slug":"z%c9%99d%c9%99l%c9%99nmis-cirilmis-l%c9%99k%c9%99li-pullar-onlari-nec%c9%99-d%c9%99yis%c9%99k-kaspinin-arasdirmasi-foto","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=684735","title":{"rendered":"Z\u0259d\u0259l\u0259nmi\u015f, c\u0131r\u0131lm\u0131\u015f, l\u0259k\u0259li pullar: Onlar\u0131 nec\u0259 d\u0259yi\u015f\u0259k? – \u201cKaspi\u201dnin ARA\u015eDIRMASI + FOTO"},"content":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) Kollegiyas\u0131 \u201cPul ni\u015fanlar\u0131n\u0131n t\u0259dav\u00fcl\u0259 yarars\u0131zl\u0131q \u0259lam\u0259tl\u0259ri, d\u0259yi\u015fdirilm\u0259si v\u0259 ekspertizas\u0131 Qaydalar\u0131\u201dnda d\u0259yi\u015fiklik edib. Bununla ba\u011fl\u0131 AMB-nin s\u0259dri Taleh Kaz\u0131mov yeni q\u0259rar imzalay\u0131b.<\/p>\n

Q\u0259rara \u0259sas\u0259n, Az\u0259rbaycanda ka\u011f\u0131z pul ni\u015fanlar\u0131n\u0131n yarars\u0131z hesab olunmas\u0131 \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259nl\u0259\u015fdirilmi\u015f kriteriyalardan be\u015f faiz\u0259 q\u0259d\u0259r k\u0259narla\u015fma olduqda ni\u015fan yarars\u0131z hesab edil\u0259c\u0259k. \u0130ndiy\u0259 q\u0259d\u0259r bu halda ni\u015fan t\u0259dav\u00fcl\u0259 yararl\u0131 hesab olunurdu.<\/p>\n

\"\"<\/p>\n

Eyni zamanda, \u00f6n v\u0259 yaxud arxa t\u0259r\u0259find\u0259 kimy\u0259vi t\u0259sir n\u0259tic\u0259sind\u0259 r\u0259ngini d\u0259yi\u015fmi\u015f, \u00e7irkl\u0259nmi\u015f v\u0259 ya korroziyaya m\u0259ruz qalm\u0131\u015f, el\u0259c\u0259 d\u0259 fiziki deformasiyaya u\u011fram\u0131\u015f (\u0259zilm\u0259, de\u015film\u0259 v\u0259 s.), hiss\u0259l\u0259r\u0259 ayr\u0131lm\u0131\u015f v\u0259 ya h\u0259r hans\u0131 bir hiss\u0259si itirilmi\u015f v\u0259 yanm\u0131\u015f, cilalanm\u0131\u015f, hans\u0131sa k\u0259nar t\u0259sir n\u0259tic\u0259sind\u0259 vizual g\u00f6r\u00fcn\u00fc\u015f\u00fcn\u00fc itirmi\u015f, lakin nominal\u0131 ayd\u0131n g\u00f6r\u00fcn\u0259n metal pul ni\u015fanlar\u0131 da yarars\u0131z hesab edil\u0259c\u0259k.<\/p>\n

T\u0259bii ki, bir \u00e7ox \u015f\u0259xsl\u0259rd\u0259 z\u0259d\u0259l\u0259nmi\u015f, c\u0131r\u0131lm\u0131\u015f pullar olur. B\u0259z\u0259n c\u0131r\u0131lan pulun bir hiss\u0259si d\u0259 itir.<\/p>\n

B\u0259s z\u0259d\u0259l\u0259nmi\u015f pullar\u0131m\u0131z\u0131 nec\u0259 d\u0259yi\u015f\u0259k? Hans\u0131 halda M\u0259rk\u0259zi Bank v\u0259t\u0259nda\u015fdan pulu q\u0259bul edib, d\u0259yi\u015f\u0259 bil\u0259r, hans\u0131 hallarda bu\u00a0m\u00fcmk\u00fcn deyil?<\/p>\n

\u201cKaspi\u201d<\/strong><\/a>\u00a0q\u0259zeti m\u00f6vzu il\u0259 ba\u011fl\u0131 m\u0259qal\u0259 d\u0259rc edib.<\/p>\n

Z\u0259d\u0259li pullar, be\u015f faiz kriteriya…<\/strong><\/p>\n

H\u00fcquq\u015f\u00fcnas Nicat \u018fl\u0259kb\u0259rzad\u0259 a\u00e7\u0131qlamas\u0131nda bildirib ki, pul \u0259sginaslar\u0131 tez-tez k\u0259nar t\u0259sirl\u0259r\u0259 m\u0259ruz qalaraq istifad\u0259y\u0259 yarars\u0131z hala d\u00fc\u015f\u00fcrl\u0259r, b\u0259zi hallarda is\u0259 z\u0259d\u0259nin t\u0259sirind\u0259n r\u0259q\u0259ml\u0259r bel\u0259 oxunmur: \u201cQanunvericilikd\u0259 c\u0131r\u0131q, z\u0259d\u0259li v\u0259 l\u0259k\u0259li \u015f\u0259kild\u0259 olan pul ni\u015fanlar\u0131n\u0131n t\u0259dav\u00fcl\u00fc il\u0259 ba\u011fl\u0131 t\u0259l\u0259bl\u0259r m\u00f6vcuddur. Q\u0259bul edil\u0259n son d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, Az\u0259rbaycanda ka\u011f\u0131z pul ni\u015fanlar\u0131n\u0131n yarars\u0131z hesab olunmas\u0131 \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259nl\u0259\u015fdirilmi\u015f kriteriyalardan be\u015f faiz\u0259 q\u0259d\u0259r k\u0259narla\u015fma olduqda ni\u015fan yarars\u0131z hesab edil\u0259c\u0259k. \u0130ndiy\u0259 q\u0259d\u0259r bu halda ni\u015fan t\u0259dav\u00fcl\u0259 yararl\u0131 hesab olunurdu.<\/p>\n

\"\"<\/p>\n

M\u00f6vcud qanunvericiliy\u0259 \u0259sas\u0259n, yarars\u0131z milli pul ni\u015fanlar\u0131 d\u0259yi\u015fdirilm\u0259si \u00fc\u00e7\u00fcn banklara v\u0259 ya M\u0259rk\u0259zi Banka t\u0259qdim edil\u0259 bil\u0259r. Pullar\u0131n d\u0259yi\u015fdirilm\u0259si onlar\u0131n h\u0259qiqiliyinin v\u0259 nominal d\u0259y\u0259rinin \u00f6d\u0259nilm\u0259si yoxlan\u0131lmaqla h\u0259yata ke\u00e7irilir. Milli pul ni\u015fanlar\u0131n\u0131n d\u0259yi\u015fdirilm\u0259si \u0259m\u0259liyyatlar\u0131 banklar\u0131n v\u0259 M\u0259rk\u0259zi Bank\u0131n daxili reqlamenti il\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f i\u015f saatlar\u0131nda h\u0259yata ke\u00e7irilir. H\u0259min vaxt \u0259rzind\u0259 d\u0259yi\u015fdirilm\u0259y\u0259n pul ni\u015fanlar\u0131 t\u0259qdim ed\u0259n \u015f\u0259xs\u0259 qaytar\u0131l\u0131r\u201d.<\/p>\n

Korlanm\u0131\u015f pulla ba\u011fl\u0131 ekspert r\u0259yi nec\u0259 verilir?<\/strong><\/p>\n

\u201cT\u0259qdim edilmi\u015f v\u0259 saxta olmayan, b\u00fct\u00f6v bir hiss\u0259d\u0259n ibar\u0259t s\u0259thinin 60%-d\u0259n az olmayan hiss\u0259sinin v\u0259 ya eyni pul ni\u015fan\u0131na m\u0259xsus hiss\u0259l\u0259rd\u0259n ibar\u0259t s\u0259thinin 100%-ni saxlam\u0131\u015f ka\u011f\u0131z pul ni\u015fanlar\u0131n\u0131n, habel\u0259 saxta olmayan, s\u0259thini 100% saxlam\u0131\u015f, \u00f6n, arxa v\u0259 k\u0259nar ha\u015fiy\u0259sinin t\u0259svir v\u0259 yaz\u0131lar\u0131 silinm\u0259 v\u0259 ya deformasiyaya u\u011framam\u0131\u015f metal pul ni\u015fanlar\u0131n\u0131n nominal d\u0259y\u0259ri \u00f6d\u0259nilir. Bundan \u0259lav\u0259, milli pul ni\u015fanlar\u0131n\u0131n saxta olmas\u0131 v\u0259 ya s\u0259thinin 100%-ni saxlam\u0131\u015f pul ni\u015fan\u0131n\u0131n hiss\u0259l\u0259rinin eyni pul ni\u015fan\u0131na m\u0259xsus olmas\u0131 bar\u0259d\u0259 ekspert r\u0259yi M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n verilir\u201d, – dey\u0259 h\u00fcquq\u015f\u00fcnas \u0259lav\u0259 edib.<\/p>\n

K\u00f6hn\u0259 pullar v\u0259 qoyulan tarix \u00a0<\/strong><\/p>\n

N.\u018fl\u0259kb\u0259rzad\u0259 vur\u011fulay\u0131b ki, M\u0259rk\u0259zi Bank x\u00fcsusi qabla\u015fd\u0131rma vahidl\u0259rind\u0259 t\u0259dav\u00fcl\u0259 yarars\u0131z hala d\u00fc\u015fm\u00fc\u015f ka\u011f\u0131z milli pul ni\u015fanlar\u0131n\u0131 ekspertizaya yaln\u0131z banklardan q\u0259bul edir: \u201cK\u00f6hn\u0259 pullar\u0131 da m\u00fcraci\u0259t \u0259sas\u0131nda d\u0259yi\u015fdirm\u0259k m\u00fcmk\u00fcnd\u00fcr. \u00dcmumiyy\u0259tl\u0259, pullar d\u00f6vriyy\u0259d\u0259n t\u0259dric\u0259n, m\u00fc\u0259yy\u0259n zamanla \u00e7\u0131xar\u0131l\u0131r v\u0259 ya son d\u0259yi\u015fdirm\u0259 tarixi qoyulur ki, bu tarix\u0259d\u0259k d\u0259yi\u015fm\u0259k m\u00fcmk\u00fcn olsun\u201d.<\/p>\n

Qeyd ed\u0259k ki, M\u0259rk\u0259zi Bank\u0131n Bak\u0131 \u015f\u0259h\u0259rind\u0259 \u201cNa\u011fd pul ofisi\u201d \u00e7\u0259r\u015f\u0259nb\u0259 ax\u015fam\u0131, \u00e7\u0259r\u015f\u0259nb\u0259 v\u0259 c\u00fcm\u0259 ax\u015fam\u0131 g\u00fcnl\u0259ri saat 10:00-dan 13:00-d\u0259k f\u0259aliyy\u0259t g\u00f6st\u0259rir.<\/p>\n

\"\"<\/p>\n

60 faiz t\u0259l\u0259bi<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 ekspert Eld\u0259niz \u018fmirovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, z\u0259d\u0259l\u0259nmi\u015f pullar\u0131n d\u0259yi\u015fdirilm\u0259si \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n t\u0259l\u0259bl\u0259r var. \u018fg\u0259r bu \u015f\u0259rtl\u0259r pozulmay\u0131bsa, \u0259sginaslar\u0131 asanl\u0131qla d\u0259yi\u015fm\u0259k olar: \u201cH\u0259min t\u0259l\u0259bl\u0259rd\u0259n \u0259sas biri pulun s\u0259thinin 60 faizinin sa\u011flam olmas\u0131d\u0131r. Eyni zamanda, \u00fcz\u0259rind\u0259ki seriyalardan biri oxunursa, pullar d\u0259yi\u015fdirilir. Burada 60 faiz m\u00fctl\u0259qdir. \u00c7\u00fcnki \u015f\u0259rtd\u0259 60 faiz h\u0259ddinin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sinin s\u0259b\u0259bi var. \u018fg\u0259r 50, 40, 30 v\u0259 daha a\u015fa\u011f\u0131 r\u0259q\u0259ml\u0259r olarsa, o zaman v\u0259t\u0259nda\u015f dig\u0259r z\u0259d\u0259li qalan par\u00e7a il\u0259 ikinci d\u0259f\u0259 eyni m\u0259bl\u0259\u011fi ala bil\u0259r. 60 faiz il\u0259 verilm\u0259 avtomatik olaraq 40 faizin istifad\u0259y\u0259 yarars\u0131z olmas\u0131 dem\u0259kdir. Bu proses M\u0259rk\u0259zi Bank\u0131n \u201cNa\u011fd pul ofisi\u201dnd\u0259 realla\u015f\u0131r. B\u00f6lg\u0259l\u0259rd\u0259 d\u0259 bu ofisl\u0259r f\u0259aliyy\u0259t g\u00f6st\u0259rir\u201d.<\/p>\n

Ekspert pulun 60 faizinin n\u0259y\u0259 \u0259sas\u0259n hesablablanmas\u0131na da ayd\u0131nl\u0131q g\u0259tirib: \u201c200 damadan ibar\u0259t bir \u00f6l\u00e7\u00fc vahidi var ki, onun \u00fcz\u0259rin\u0259 pulu yerl\u0259\u015fdir\u0259r\u0259k ne\u00e7\u0259 faizinin z\u0259d\u0259li olub-olmamas\u0131n\u0131 bilm\u0259k olur\u201d.<\/p>\n

B\u0259s dig\u0259r banklar?<\/strong><\/p>\n

\u201cB\u0259s dig\u0259r kommersiya banklar\u0131 z\u0259d\u0259l\u0259nmi\u015f pullar\u0131 d\u0259yi\u015f\u0259 bil\u0259rmi?\u201d sual\u0131na cavab olaraq ekspert qeyd edib ki, bank bunu d\u0259yi\u015f\u0259 d\u0259, d\u0259yi\u015fm\u0259y\u0259 d\u0259 bil\u0259r: \u201c\u00c7\u00fcnki kommersiya banklar\u0131n\u0131n bel\u0259 bir \u00f6hd\u0259liyi yoxdur\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) Kollegiyas\u0131 \u201cPul ni\u015fanlar\u0131n\u0131n t\u0259dav\u00fcl\u0259 yarars\u0131zl\u0131q \u0259lam\u0259tl\u0259ri, d\u0259yi\u015fdirilm\u0259si v\u0259 ekspertizas\u0131 Qaydalar\u0131\u201dnda d\u0259yi\u015fiklik edib. Bununla ba\u011fl\u0131 AMB-nin s\u0259dri Taleh Kaz\u0131mov yeni q\u0259rar imzalay\u0131b. Q\u0259rara \u0259sas\u0259n, Az\u0259rbaycanda ka\u011f\u0131z pul ni\u015fanlar\u0131n\u0131n yarars\u0131z hesab olunmas\u0131 \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259nl\u0259\u015fdirilmi\u015f kriteriyalardan be\u015f faiz\u0259 q\u0259d\u0259r k\u0259narla\u015fma olduqda ni\u015fan yarars\u0131z hesab edil\u0259c\u0259k. \u0130ndiy\u0259 q\u0259d\u0259r bu halda ni\u015fan t\u0259dav\u00fcl\u0259 yararl\u0131 hesab olunurdu. Eyni zamanda, \u00f6n v\u0259 yaxud arxa t\u0259r\u0259find\u0259 kimy\u0259vi t\u0259sir n\u0259tic\u0259sind\u0259 r\u0259ngini d\u0259yi\u015fmi\u015f, \u00e7irkl\u0259nmi\u015f v\u0259 ya korroziyaya m\u0259ruz qalm\u0131\u015f, el\u0259c\u0259 d\u0259 fiziki deformasiyaya u\u011fram\u0131\u015f (\u0259zilm\u0259, de\u015film\u0259 v\u0259 s.), hiss\u0259l\u0259r\u0259 ayr\u0131lm\u0131\u015f v\u0259 ya h\u0259r hans\u0131 bir hiss\u0259si…<\/p>\n","protected":false},"author":2,"featured_media":684736,"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":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front.jpg",700,338,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front.jpg",700,338,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front.jpg",700,338,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front-660x319.jpg",660,319,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front.jpg",640,309,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front.jpg",700,338,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front.jpg",700,338,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/50-manat_front.jpg",700,338,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) Kollegiyas\u0131 \u201cPul ni\u015fanlar\u0131n\u0131n t\u0259dav\u00fcl\u0259 yarars\u0131zl\u0131q \u0259lam\u0259tl\u0259ri, d\u0259yi\u015fdirilm\u0259si v\u0259 ekspertizas\u0131 Qaydalar\u0131\u201dnda d\u0259yi\u015fiklik edib. Bununla ba\u011fl\u0131 AMB-nin s\u0259dri Taleh Kaz\u0131mov yeni q\u0259rar imzalay\u0131b. Q\u0259rara \u0259sas\u0259n, Az\u0259rbaycanda ka\u011f\u0131z pul ni\u015fanlar\u0131n\u0131n yarars\u0131z hesab olunmas\u0131 \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259nl\u0259\u015fdirilmi\u015f kriteriyalardan be\u015f faiz\u0259 q\u0259d\u0259r k\u0259narla\u015fma olduqda ni\u015fan yarars\u0131z hesab edil\u0259c\u0259k. \u0130ndiy\u0259 q\u0259d\u0259r bu halda ni\u015fan t\u0259dav\u00fcl\u0259 yararl\u0131 hesab olunurdu.…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/684735"}],"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=684735"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/684735\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/684736"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=684735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=684735"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=684735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}