{"id":737008,"date":"2024-07-13T09:45:39","date_gmt":"2024-07-13T05:45:39","guid":{"rendered":"https:\/\/arantv.az\/?p=737008"},"modified":"2024-07-13T09:45:39","modified_gmt":"2024-07-13T05:45:39","slug":"ekspert-t%c9%99l%c9%99b%c9%99l%c9%99r-ucun-gedis-haqqinin-endiril%c9%99c%c9%99yini-gozl%c9%99m%c9%99yin-guz%c9%99st-basqa-cur-d%c9%99-ola-bil%c9%99r","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=737008","title":{"rendered":"Ekspert: &#8220;T\u0259l\u0259b\u0259l\u0259r \u00fc\u00e7\u00fcn gedi\u015f haqq\u0131n\u0131n endiril\u0259c\u0259yini g\u00f6zl\u0259m\u0259yin, g\u00fcz\u0259\u015ft ba\u015fqa c\u00fcr d\u0259 ola bil\u0259r&#8221;"},"content":{"rendered":"<p>T\u0259hsilin \u0130nki\u015faf Fondunun iyulun 12-d\u0259 ke\u00e7iril\u0259n hesabat t\u0259dbirind\u0259 vahid t\u0259l\u0259b\u0259 kart\u0131 il\u0259 ba\u011fl\u0131 yeni\u00a0<a href=\"https:\/\/oxu.az\/cemiyyet\/bu-ilden-vahid-telebe-kartinin-tetbiqine-baslanilacaq-endirimler-gozlenilir\" target=\"_blank\" rel=\"noopener\"><strong>m\u0259lumatlar\u00a0<\/strong><\/a>a\u00e7\u0131qlan\u0131b. Fondun \u0130dar\u0259 Hey\u0259tinin s\u0259dri Elnur N\u0259sibov bu t\u0259l\u0259b\u0259 kart\u0131 il\u0259 m\u00fcxt\u0259lif \u00f6d\u0259m\u0259 sistemi, giri\u015f kart\u0131, n\u0259qliyyat, ke\u015fbek sistemind\u0259 endiriml\u0259rin t\u0259min olunaca\u011f\u0131n\u0131 bildirib.<\/p>\n<p>Maraql\u0131d\u0131r, vahid t\u0259l\u0259b\u0259 kart\u0131 il\u0259 ba\u011fl\u0131 g\u00fcz\u0259\u015ftl\u0259r ilk olaraq hans\u0131 t\u0259l\u0259b\u0259l\u0259r\u0259 \u015famil edil\u0259c\u0259k v\u0259 g\u00fcz\u0259\u015ftl\u0259r hans\u0131 faizl\u0259 hesablanacaq?<\/p>\n<p>T\u0259hsil ekspert\u00a0<strong>El\u015f\u0259n Qafarov Oxu.Az<\/strong>-a a\u00e7\u0131qlamas\u0131nda bildirib ki, t\u0259l\u0259b\u0259l\u0259rin kiray\u0259 v\u0259 n\u0259qliyyat haqlar\u0131n\u0131n \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259l\u0259r m\u00fcvafiq orqanlar qar\u015f\u0131s\u0131nda qald\u0131r\u0131l\u0131b:<\/p>\n<p><img loading=\"lazy\" class=\"inner-photo\" src=\"https:\/\/images.oxu.az\/2024\/07\/12\/HGSFc1LcErFxHaLE7yuKg5yHCHOqNdHfZllUr3Ms:640.webp\" alt=\"\" width=\"640\" height=\"428\" \/><\/p>\n<p>&#8220;T\u0259l\u0259b\u0259l\u0259rin sosial m\u00fcdafi\u0259sinin g\u00fccl\u0259ndirilm\u0259si il\u0259 ba\u011fl\u0131 \u00f6lk\u0259d\u0259 Elm v\u0259 T\u0259hsil Nazirliyinin yan\u0131nda iki b\u00f6y\u00fck fond: T\u0259hsil T\u0259l\u0259b\u0259 Kredit (TTKF) v\u0259 T\u0259hsilin \u0130nki\u015faf\u0131 fondlar\u0131 (T\u0130F) f\u0259aliyy\u0259t g\u00f6st\u0259rir. TTKF \u00f6d\u0259ni\u015fli \u0259saslarla t\u0259hsilalanlara uzunm\u00fcdd\u0259tli kreditl\u0259rin verilm\u0259sini t\u0259min edir. H\u0259m \u00f6d\u0259ni\u015fli, h\u0259m d\u0259 \u00f6d\u0259ni\u015fsiz t\u0259hsil alan t\u0259l\u0259b\u0259l\u0259rin kiray\u0259 v\u0259 n\u0259qliyyat haqlar\u0131n\u0131n \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259l\u0259r m\u00fcvafiq orqanlar qar\u015f\u0131s\u0131nda qald\u0131r\u0131l\u0131b. T\u0130F-in vahid t\u0259l\u0259b\u0259 kart\u0131 layih\u0259sin\u0259 start verm\u0259si sevindirici hald\u0131r. Bel\u0259 ki, bu t\u0259cr\u00fcb\u0259 art\u0131q bir s\u0131ra \u00f6lk\u0259l\u0259rd\u0259, o c\u00fcml\u0259d\u0259n qon\u015fu T\u00fcrkiy\u0259 v\u0259 Rusiyada t\u0259tbiq olunur.<\/p>\n<p>T\u0259l\u0259b\u0259l\u0259r\u0259 veril\u0259c\u0259k vahid kart onlar\u0131n yer\u00fcst\u00fc v\u0259 yeralt\u0131 n\u0259qliyyatdan (avtobus v\u0259 metrodan) istifad\u0259si zaman\u0131 ke\u00e7\u0259rli olacaq. H\u0259min t\u0259l\u0259b\u0259l\u0259r\u0259 m\u00fcxt\u0259lif g\u00fcz\u0259\u015ftl\u0259r t\u0259tbiq olunacaq. Amma bu g\u00fcz\u0259\u015ftl\u0259rin tam \u015f\u0259kild\u0259 n\u0259yi ehtiva etdiyi, endirim faizl\u0259ri h\u0259l\u0259 m\u0259lum deyil. Son m\u0259lumat Az\u0259rbaycan Yer\u00fcst\u00fc N\u0259qliyyat Agentliyi (AYNA) v\u0259 Bak\u0131 Metropoliteni il\u0259 dan\u0131\u015f\u0131qlardan sonra m\u0259lum olacaq&#8221;.<\/p>\n<p>E.Qafarov \u0259lav\u0259 edib ki, t\u0259l\u0259b\u0259l\u0259rin n\u0259qliyyat x\u0259rcl\u0259rinin qar\u015f\u0131lanmas\u0131 kifay\u0259t q\u0259d\u0259r ciddi problemdir, \u00e7\u00fcnki b\u00f6y\u00fck x\u0259rc t\u0259l\u0259b edir:<\/p>\n<p>&#8220;D\u00fcnya t\u0259cr\u00fcb\u0259sin\u0259 baxd\u0131qda bunlardan h\u0259m t\u0259l\u0259b\u0259l\u0259rin, h\u0259m d\u0259 v\u0259t\u0259nda\u015flar\u0131n istifad\u0259 etdiyini g\u00f6r\u0259rik. Amma t\u0259l\u0259b\u0259l\u0259r \u00fc\u00e7\u00fcn olan kartlar daha \u00e7ox g\u00fcz\u0259\u015fti ehtiva edir.<\/p>\n<p>Az\u0259rbaycanda vahid t\u0259l\u0259b\u0259 kartlar\u0131na hans\u0131 g\u00fcz\u0259\u015ftl\u0259rin veril\u0259c\u0259yi h\u0259l\u0259 ki tam m\u0259lum deyil. Amma ist\u0259nil\u0259n halda bu, t\u0259qdir\u0259layiq add\u0131md\u0131r. Bu, t\u0259l\u0259b\u0259l\u0259rin sosial m\u00fcdafi\u0259si \u00fc\u00e7\u00fcn \u00e7ox m\u00fcsb\u0259t hald\u0131r&#8221;.<\/p>\n<p>M\u00f6vzu il\u0259 ba\u011fl\u0131 iqtisad\u00e7\u0131\u00a0<strong>Xalid K\u0259rimli\u00a0<\/strong>d\u0259 \u00f6z fikirl\u0259rini\u00a0<strong>Oxu.Az<\/strong>-la b\u00f6l\u00fc\u015f\u00fcb. \u0130qtisad\u00e7\u0131 bildirib ki, t\u0259l\u0259b\u0259l\u0259r \u00fc\u00e7\u00fcn gedi\u015f haqq\u0131n\u0131n endirilm\u0259si g\u00f6zl\u0259nilmir:<\/p>\n<p><img loading=\"lazy\" class=\"inner-photo\" src=\"https:\/\/images.oxu.az\/2024\/07\/12\/ZU1LJHVTaXzzGA0UInXmMLmWseVwsKkfMT4OLHEN:640.webp\" alt=\"\" width=\"640\" height=\"428\" \/><\/p>\n<p>&#8220;T\u0259l\u0259b\u0259l\u0259r\u0259 veril\u0259c\u0259k vahid kartdan istifad\u0259 zaman\u0131 metroda gedi\u015f haqq\u0131n\u0131n 50 q\u0259pikd\u0259n 40 v\u0259 ya 30 q\u0259piy\u0259 endirilm\u0259si g\u00f6zl\u0259nil\u0259n deyil. N\u0259qliyyatda ke\u015fbek sistemi t\u0259tbiq edil\u0259 bil\u0259r. N\u0259z\u0259r\u0259 alsaq ki, art\u0131q bank kartlar\u0131 il\u0259 n\u0259qliyyatda \u00f6d\u0259ni\u015f etm\u0259k m\u00fcmk\u00fcnd\u00fcr, bu sistemin t\u0259tbiq edilm\u0259si d\u0259 o q\u0259d\u0259r \u00e7\u0259tin olmayacaq.<\/p>\n<p>M\u0259n d\u00fc\u015f\u00fcnm\u00fcr\u0259m ki, t\u0259l\u0259b\u0259l\u0259r\u0259 x\u00fcsusi g\u00fcz\u0259\u015ftl\u0259r veril\u0259c\u0259k. D\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 d\u0259 geni\u015f yay\u0131lm\u0131\u015f n\u0259qliyyatdan daha \u00e7ox istifad\u0259 ed\u0259n s\u0259rni\u015finl\u0259r\u0259 daha yax\u015f\u0131 tarifl\u0259rin verilm\u0259si h\u0259yata ke\u00e7iril\u0259 bil\u0259r. Misal \u00fc\u00e7\u00fcn, v\u0259t\u0259nda\u015f birillik abun\u0259 kart\u0131 alar v\u0259 bu kart vasit\u0259si il\u0259 Bak\u0131da yer\u00fcst\u00fc v\u0259 yeralt\u0131 n\u0259qliyyatdan istifad\u0259 ed\u0259 bil\u0259r. Bu zaman n\u0259qliyyatdan \u00e7ox istifad\u0259 ed\u0259n v\u0259t\u0259nda\u015flar\u0131n v\u0259 t\u0259l\u0259b\u0259l\u0259rin gedi\u015f haqq\u0131 xeyli azala bil\u0259r. N\u0259qliyyat sistemimizd\u0259 bu add\u0131m at\u0131lmal\u0131d\u0131r. Buna \u00e7ox b\u00f6y\u00fck ehtiyac var&#8221;.<\/p>\n<p>Xalid K\u0259rimli illik v\u0259 ya ayl\u0131q kartlar\u0131n istifad\u0259y\u0259 burax\u0131lmas\u0131n\u0131n daha m\u0259qs\u0259d\u0259uy\u011fun oldu\u011funu bildirib:<\/p>\n<p>&#8220;\u0130llik, \u00fc\u00e7 v\u0259 ya alt\u0131ayl\u0131q kartlar istifad\u0259y\u0259 burax\u0131lmal\u0131d\u0131r. Bu kartlara fiks bir m\u0259bl\u0259\u011f t\u0259yin olunmal\u0131d\u0131r.<\/p>\n<p>1990-c\u0131 ill\u0259rd\u0259 h\u0259min sistem Az\u0259rbaycanda t\u0259tbiq edilirdi. Daha sonra is\u0259 bu, d\u00fczg\u00fcn hesab edilm\u0259di. N\u0259qliyyat\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn probleml\u0259r yaratd\u0131\u011f\u0131 bildirildi.<\/p>\n<p>\u00d6d\u0259ni\u015f sisteminin t\u0259kmill\u0259\u015fdirilm\u0259si il\u0259 ba\u011fl\u0131 d\u00fcnyan\u0131n b\u00f6y\u00fck \u015f\u0259h\u0259rl\u0259rind\u0259 bu tipli mexanizml\u0259r m\u00f6vcuddur. Biz d\u0259 onlardan istifad\u0259 ed\u0259 bil\u0259rik. Bu daha \u0259lveri\u015fli \u00fcsuldur. H\u0259tta t\u0259k t\u0259l\u0259b\u0259l\u0259r deyil, ictimai n\u0259qliyyatdan istifad\u0259 ed\u0259n bir \u00e7ox v\u0259t\u0259nda\u015f bu g\u00fcz\u0259\u015ftl\u0259rd\u0259n yararlana bil\u0259r&#8221;.<\/p>\n<p>Vahid t\u0259l\u0259b\u0259 kart\u0131n\u0131n konkret n\u0259 zaman istifad\u0259y\u0259 veril\u0259c\u0259yi il\u0259 ba\u011fl\u0131 sual\u0131m\u0131za is\u0259 T\u0259hsilin \u0130nki\u015faf Fondundan bildirildi ki, bununla ba\u011fl\u0131 m\u0259lumat g\u00fcz\u0259\u015ftl\u0259rl\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259l\u0259r tam h\u0259ll olunduqdan sonra a\u00e7\u0131qlanacaq.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u0259hsilin \u0130nki\u015faf Fondunun iyulun 12-d\u0259 ke\u00e7iril\u0259n hesabat t\u0259dbirind\u0259 vahid t\u0259l\u0259b\u0259 kart\u0131 il\u0259 ba\u011fl\u0131 yeni\u00a0m\u0259lumatlar\u00a0a\u00e7\u0131qlan\u0131b. Fondun \u0130dar\u0259 Hey\u0259tinin s\u0259dri Elnur N\u0259sibov bu t\u0259l\u0259b\u0259 kart\u0131 il\u0259 m\u00fcxt\u0259lif \u00f6d\u0259m\u0259 sistemi, giri\u015f kart\u0131, n\u0259qliyyat, ke\u015fbek sistemind\u0259 endiriml\u0259rin t\u0259min olunaca\u011f\u0131n\u0131 bildirib. Maraql\u0131d\u0131r, vahid t\u0259l\u0259b\u0259 kart\u0131 il\u0259 ba\u011fl\u0131 g\u00fcz\u0259\u015ftl\u0259r ilk olaraq hans\u0131 t\u0259l\u0259b\u0259l\u0259r\u0259 \u015famil edil\u0259c\u0259k v\u0259 g\u00fcz\u0259\u015ftl\u0259r hans\u0131 faizl\u0259 hesablanacaq? T\u0259hsil ekspert\u00a0El\u015f\u0259n Qafarov Oxu.Az-a a\u00e7\u0131qlamas\u0131nda bildirib ki, t\u0259l\u0259b\u0259l\u0259rin kiray\u0259 v\u0259 n\u0259qliyyat haqlar\u0131n\u0131n \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259l\u0259r m\u00fcvafiq orqanlar qar\u015f\u0131s\u0131nda qald\u0131r\u0131l\u0131b: &#8220;T\u0259l\u0259b\u0259l\u0259rin sosial m\u00fcdafi\u0259sinin g\u00fccl\u0259ndirilm\u0259si il\u0259 ba\u011fl\u0131 \u00f6lk\u0259d\u0259 Elm v\u0259 T\u0259hsil Nazirliyinin yan\u0131nda iki b\u00f6y\u00fck fond: T\u0259hsil&hellip;<\/p>\n","protected":false},"author":2,"featured_media":737009,"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\/07\/bakikart-terminal.jpg",700,379,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal.jpg",700,379,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal.jpg",700,379,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal-660x357.jpg",660,357,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal.jpg",640,347,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal.jpg",700,379,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal.jpg",700,379,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/07\/bakikart-terminal.jpg",700,379,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":"T\u0259hsilin \u0130nki\u015faf Fondunun iyulun 12-d\u0259 ke\u00e7iril\u0259n hesabat t\u0259dbirind\u0259 vahid t\u0259l\u0259b\u0259 kart\u0131 il\u0259 ba\u011fl\u0131 yeni\u00a0m\u0259lumatlar\u00a0a\u00e7\u0131qlan\u0131b. Fondun \u0130dar\u0259 Hey\u0259tinin s\u0259dri Elnur N\u0259sibov bu t\u0259l\u0259b\u0259 kart\u0131 il\u0259 m\u00fcxt\u0259lif \u00f6d\u0259m\u0259 sistemi, giri\u015f kart\u0131, n\u0259qliyyat, ke\u015fbek sistemind\u0259 endiriml\u0259rin t\u0259min olunaca\u011f\u0131n\u0131 bildirib. Maraql\u0131d\u0131r, vahid t\u0259l\u0259b\u0259 kart\u0131 il\u0259 ba\u011fl\u0131 g\u00fcz\u0259\u015ftl\u0259r ilk olaraq hans\u0131 t\u0259l\u0259b\u0259l\u0259r\u0259 \u015famil edil\u0259c\u0259k v\u0259 g\u00fcz\u0259\u015ftl\u0259r hans\u0131 faizl\u0259 hesablanacaq? T\u0259hsil&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/737008"}],"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=737008"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/737008\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/737009"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=737008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=737008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=737008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}