{"id":724116,"date":"2024-05-23T09:38:06","date_gmt":"2024-05-23T05:38:06","guid":{"rendered":"https:\/\/arantv.az\/?p=724116"},"modified":"2024-05-23T09:38:06","modified_gmt":"2024-05-23T05:38:06","slug":"problemli-kreditl%c9%99r%c9%99-alternativ-cozum","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=724116","title":{"rendered":"Problemli kreditl\u0259r\u0259 alternativ \u00c7\u00d6Z\u00dcM"},"content":{"rendered":"<p><span lang=\"AZ-LATIN\">Haz\u0131rda Az\u0259rbaycanda problemli kreditl\u0259rin h\u0259cmi 454,1 milyon manatdan bir q\u0259d\u0259r art\u0131qd\u0131r. Lakin \u0259vv\u0259lki ill\u0259rd\u0259 bu g\u00f6st\u0259rici daha y\u00fcks\u0259k olub. Veril\u0259n kreditl\u0259rd\u0259 sonradan ortaya \u00e7\u0131xan probleml\u0259rin b\u0131r s\u0131ra obyektiv v\u0259 subyektiv s\u0259b\u0259bl\u0259ri var.<\/p>\n<p>D\u00fcnya praktikas\u0131nda problemli kreditl\u0259rin l\u0259\u011fvi \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif \u00fcsullar var. Onlardan biri d\u0259 kreditl\u0259rin s\u0131\u011fortalanmas\u0131d\u0131r. Az\u0259rbaycanda is\u0259 bel\u0259 bir praktika yoxdur.<\/p>\n<p>Bundan \u0259lav\u0259 Az\u0259rbaycanda 30 min manata q\u0259d\u0259r olan \u0259man\u0259tl\u0259r s\u0131\u011fortalan\u0131r.<\/p>\n<p>B\u0259s, veril\u0259n kreditl\u0259r niy\u0259 s\u0131\u011fortalanm\u0131r?<\/p>\n<p>Son ill\u0259rd\u0259 kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs v\u0259fat etdiyi zaman onun \u0259v\u0259zin\u0259 zaman\u0259t vermi\u015f \u015f\u0259xsin qalan krediti \u00f6d\u0259m\u0259si hallar\u0131na tez-tez rast g\u0259linir. \u018fg\u0259r girov varsa, o zaman girov sat\u0131laraq kredit ba\u011flan\u0131r. T\u0259bii ki, bel\u0259 inzibati qaydalar sonda naraz\u0131l\u0131q yarad\u0131r. Ona g\u00f6r\u0259 d\u0259 kreditl\u0259rin s\u0131\u011fortalanmas\u0131 \u0259n optimal variant hesab olunur.<\/p>\n<p>M\u00f6vzu il\u0259 ba\u011fl\u0131 fikirl\u0259rini bizim.media il\u0259 b\u00f6l\u00fc\u015f\u0259n mill\u0259t v\u0259kili, iqtisad\u00e7\u0131 ekspert V\u00fcqar Bayramov maraql\u0131 bir t\u0259cr\u00fcb\u0259d\u0259n s\u00f6z a\u00e7\u0131b:<\/p>\n<p>&#8220;Bir m\u00fcdd\u0259t \u00f6nc\u0259 kommersiya banklar\u0131n\u0131n birind\u0259n kredit g\u00f6t\u00fcr\u00fcb y\u00fck avtomobili alan tan\u0131\u015f\u0131m yol-n\u0259qliyyat hadis\u0259si zaman\u0131 v\u0259fat edib. Bank is\u0259 onun g\u00f6t\u00fcrd\u00fcy\u00fc 20 min manat krediti v\u0259r\u0259s\u0259l\u0259rind\u0259n t\u0259l\u0259b etm\u0259y\u0259 ba\u015flay\u0131b. Ail\u0259nin durumu yax\u015f\u0131 olmasa da, kreditin qaytar\u0131lmas\u0131 qa\u00e7\u0131lmaz idi. Tan\u0131\u015flar\u0131 v\u0259 qohumlar\u0131 v\u0259fat ed\u0259n \u015f\u0259xsin v\u0259r\u0259s\u0259sin\u0259 maddi d\u0259st\u0259k olaraq banka olan borcu qaytard\u0131lar.<\/p>\n<p>Bel\u0259 hallar\u0131n say\u0131 kifay\u0259t q\u0259d\u0259r \u00e7oxdur. V\u0259fat ed\u0259n \u015f\u0259xsin kredit \u00f6hd\u0259likl\u0259rinin v\u0259r\u0259s\u0259sin\u0259 transfer olunmas\u0131 \u0259ks\u0259r hallarda ail\u0259l\u0259r \u00fc\u00e7\u00fcn \u00e7\u0259tinlikl\u0259r yarad\u0131r&#8221;.<\/p>\n<p>Mill\u0259t v\u0259kili qeyd edib ki, haz\u0131rda banklar t\u0259r\u0259find\u0259n yeddi milyard manatdan art\u0131q istehlak kreditl\u0259ri verilib:<\/p>\n<p>&#8220;Bu da \u00fc\u00e7 milyondan art\u0131q v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n borclanmas\u0131 dem\u0259kdir. G\u00f6r\u00fcnd\u00fcy\u00fc kimi, h\u0259m kreditin \u00fcmumi m\u0259bl\u0259\u011fi, h\u0259m d\u0259 borclananlar\u0131n say\u0131 kifay\u0259t q\u0259d\u0259r \u00e7oxdur.<\/p>\n<p>Statistikaya \u0259sas\u0259n, istehlak krediti g\u00f6t\u00fcr\u0259nl\u0259rin 95 faizinin s\u0131\u011fortas\u0131 yoxdur. \u0130nki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259si g\u00f6st\u0259rir ki, s\u0131\u011fortadan istifad\u0259 bu riski aradan qald\u0131r\u0131r. N\u0259tic\u0259d\u0259, \u0259g\u0259r krediti g\u00f6t\u00fcr\u0259n \u015f\u0259xs h\u0259yat s\u0131\u011fotas\u0131ndan istifad\u0259 ed\u0259rs\u0259, bu halda onun b\u00fct\u00fcn riskl\u0259ri s\u0131\u011fortalanm\u0131\u015f olur v\u0259 borclanma onun ail\u0259si \u00fc\u00e7\u00fcn h\u0259r hans\u0131 potensial \u00e7\u0259tinlik yaratm\u0131r&#8221;.<\/p>\n<p>V\u00fcqar Bayramov kreditl\u0259r veril\u0259n zaman s\u0131\u011fortadan istifad\u0259nin \u0259h\u0259miyy\u0259tli oldu\u011funu bildirib:<\/p>\n<p>&#8220;Beyn\u0259lxalq praktikaya uy\u011fun olaraq Az\u0259rbaycanda da kreditl\u0259\u015fm\u0259 zaman\u0131 s\u0131\u011fortadan istifad\u0259ni vacib hesab edirik. S\u0131\u011fortadan istifad\u0259nin \u0259lav\u0259 \u00f6d\u0259ni\u015f olmas\u0131na baxmayaraq, bu borclanan \u00fc\u00e7\u00fcn x\u0259rcin artmas\u0131na s\u0259b\u0259b olmayacaq. \u00c7\u00fcnki kredit faizl\u0259rin\u0259 t\u0259sir g\u00f6st\u0259r\u0259n faktorlardan biri d\u0259 risk amilidir. Risk s\u0131\u011fortalanan zaman banklar daha optimal faizl\u0259 kredit t\u0259klif ed\u0259 bilirl\u0259r. Y\u0259ni, s\u0131\u011fortadan istifad\u0259 istehlak kreditl\u0259ri \u00fczr\u0259 faizl\u0259rin d\u0259 azalmas\u0131na g\u0259tirib \u00e7\u0131xara bil\u0259r.<\/p>\n<p>Dig\u0259r t\u0259r\u0259fd\u0259n, s\u0131\u011forta haqq\u0131 da y\u00fcks\u0259k olmad\u0131\u011f\u0131ndan diferensial olaraq \u00f6d\u0259ni\u015f payla\u015fd\u0131r\u0131la bilir. Bu o dem\u0259kdir ki, kredit faizl\u0259rini art\u0131rmamaqla s\u0131\u011fortalanman\u0131n h\u0259yata ke\u00e7irilm\u0259si m\u00fcmk\u00fcnd\u00fcr.<\/p>\n<p>Buna g\u00f6r\u0259 d\u0259, riskl\u0259rin kompensasiya olunmas\u0131 n\u0259tic\u0259sind\u0259 kredit faizl\u0259rinin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si s\u0131\u011fortadan istifad\u0259y\u0259 r\u0259\u011fm\u0259n kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn d\u0259 \u0259lav\u0259 x\u0259rc yaratmayacaq. \u00c7\u00fcnki azalan kredit faizl\u0259ri s\u0131\u011forta \u00f6d\u0259ni\u015fini kompensasiya ed\u0259c\u0259k.<br \/>\n<\/span><\/p>\n<p><span lang=\"AZ-LATIN\">N\u0259tic\u0259d\u0259, kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs v\u0259fat ed\u0259r<\/span><span lang=\"AZ-LATIN\">s\u0259, o halda borcu v\u0259r\u0259s\u0259, y\u0259ni ail\u0259 \u00fczv\u00fc qaytarmayacaq. S\u0131\u011forta \u015firk\u0259ti borcu tam olaraq banka \u00f6d\u0259y\u0259c\u0259k. Bu bax\u0131mdan da, s\u00f6z\u00fcged\u0259n istiqam\u0259td\u0259 beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259n istifad\u0259 olunmas\u0131 \u00e7ox \u0259h\u0259miyy\u0259tlidir&#8221;.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Haz\u0131rda Az\u0259rbaycanda problemli kreditl\u0259rin h\u0259cmi 454,1 milyon manatdan bir q\u0259d\u0259r art\u0131qd\u0131r. Lakin \u0259vv\u0259lki ill\u0259rd\u0259 bu g\u00f6st\u0259rici daha y\u00fcks\u0259k olub. Veril\u0259n kreditl\u0259rd\u0259 sonradan ortaya \u00e7\u0131xan probleml\u0259rin b\u0131r s\u0131ra obyektiv v\u0259 subyektiv s\u0259b\u0259bl\u0259ri var. D\u00fcnya praktikas\u0131nda problemli kreditl\u0259rin l\u0259\u011fvi \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif \u00fcsullar var. Onlardan biri d\u0259 kreditl\u0259rin s\u0131\u011fortalanmas\u0131d\u0131r. Az\u0259rbaycanda is\u0259 bel\u0259 bir praktika yoxdur. Bundan \u0259lav\u0259 Az\u0259rbaycanda&#8230;<\/p>\n","protected":false},"author":2,"featured_media":724117,"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\/2024\/05\/1716436794sdfsdf.png",640,317,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf-500x280.png",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,false],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,false],"newsmatic-featured":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,false],"newsmatic-list":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",600,297,false],"newsmatic-thumb":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",300,149,false],"newsmatic-small":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",150,74,false],"newsmatic-grid":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",400,198,false],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/05\/1716436794sdfsdf.png",640,317,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=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Haz\u0131rda Az\u0259rbaycanda problemli kreditl\u0259rin h\u0259cmi 454,1 milyon manatdan bir q\u0259d\u0259r art\u0131qd\u0131r. Lakin \u0259vv\u0259lki ill\u0259rd\u0259 bu g\u00f6st\u0259rici daha y\u00fcks\u0259k olub. Veril\u0259n kreditl\u0259rd\u0259 sonradan ortaya \u00e7\u0131xan probleml\u0259rin b\u0131r s\u0131ra obyektiv v\u0259 subyektiv s\u0259b\u0259bl\u0259ri var. D\u00fcnya praktikas\u0131nda problemli kreditl\u0259rin l\u0259\u011fvi \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif \u00fcsullar var. Onlardan biri d\u0259 kreditl\u0259rin s\u0131\u011fortalanmas\u0131d\u0131r. Az\u0259rbaycanda is\u0259 bel\u0259 bir praktika yoxdur. Bundan \u0259lav\u0259 Az\u0259rbaycanda...","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/724116"}],"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=724116"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/724116\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/724117"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=724116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=724116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=724116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}