{"id":746779,"date":"2024-08-22T11:12:35","date_gmt":"2024-08-22T07:12:35","guid":{"rendered":"https:\/\/arantv.az\/?p=746779"},"modified":"2024-08-22T11:12:35","modified_gmt":"2024-08-22T07:12:35","slug":"qocaliga-gor%c9%99-muavin%c9%99tl%c9%99rin-artirilmasi-yaddan-cixib-s%c9%99b%c9%99b","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=746779","title":{"rendered":"Qocal\u0131\u011fa g\u00f6r\u0259 m\u00fcavin\u0259tl\u0259rin art\u0131r\u0131lmas\u0131 \u201cyaddan \u00e7\u0131x\u0131b\u201d – s\u0259b\u0259b…"},"content":{"rendered":"

Natiq C\u0259f\u0259rli: \u201cHe\u00e7 olmasa minimum \u0259m\u0259khaqq\u0131 s\u0259viyy\u0259sind\u0259 art\u0131r\u0131lmas\u0131na ehtiyac var\u201d<\/strong><\/h3>\n

\u0130qtisad\u00e7\u0131 V\u00fcqar Bayramov pensiyalar\u0131n n\u0259 vaxt v\u0259 n\u0259 q\u0259d\u0259r art\u0131r\u0131laca\u011f\u0131 il\u0259 ba\u011fl\u0131 m\u0259lumat a\u00e7\u0131qlay\u0131b.\u00a0 O deyib ki, m\u00f6vcud qanunvericiliy\u0259 \u0259sas\u0259n, pensiyadak\u0131 art\u0131mlar indeksl\u0259\u015fdirm\u0259 v\u0259 yard\u0131mlar\u0131n verilm\u0259si formas\u0131nda h\u0259yata ke\u00e7irilir: \u201c\u018fm\u0259k pensiyalar\u0131 h\u0259r il yanvar ay\u0131nda indeksl\u0259\u015fdirilir v\u0259 bu, \u0259vv\u0259lki ild\u0259 orta ayl\u0131q \u0259m\u0259khaqq\u0131ndak\u0131 art\u0131m faizin\u0259 uy\u011funla\u015fd\u0131r\u0131l\u0131r.<\/strong><\/p>\n

Bu ild\u0259ki orta ayl\u0131q \u0259m\u0259khaqq\u0131ndak\u0131 art\u0131m faizin\u0259 uy\u011fun olaraq, 2025-ci ilin yanvar\u0131n birind\u0259n etibar\u0259n b\u00fct\u00fcn n\u00f6v \u0259m\u0259k pensiyalar\u0131nda art\u0131mlar olacaq. Bu ilin ilk yar\u0131s\u0131nda \u00f6lk\u0259d\u0259 nominal orta ayl\u0131q \u0259m\u0259khaqq\u0131 \u0259vv\u0259lki ilin m\u00fcvafiq d\u00f6vr\u00fcn\u0259 nisb\u0259t\u0259n 8.8 faiz art\u0131b. 2024-c\u00fc il \u00fc\u00e7\u00fcn yekun illik g\u00f6st\u0259rici g\u0259l\u0259n ilin \u0259vv\u0259lind\u0259 elan edil\u0259c\u0259k. Eyni zamanda bu ilin ikinci yar\u0131s\u0131nda maa\u015f m\u0259bl\u0259\u011fl\u0259rind\u0259ki potensial d\u0259yi\u015fiklikl\u0259r d\u0259 orta illik \u0259m\u0259khaqq\u0131 faizin\u0259 t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r.<\/p>\n

Daha konkret r\u0259q\u0259ml\u0259r ilin sonuna do\u011fru b\u0259lli olacaq. Bununla ba\u011fl\u0131 art\u0131q konkret r\u0259q\u0259ml\u0259ri v\u0259 eyni zamanda pensiya kapital\u0131nda hans\u0131 faiz art\u0131m\u0131n olmas\u0131n\u0131 t\u0259qdim etm\u0259k m\u00fcmk\u00fcn olacaq.<\/p>\n

\u018fm\u0259k pensiyalar\u0131 orta ayl\u0131q \u0259m\u0259khaqq\u0131ndak\u0131 art\u0131m faizin\u0259, pensiya kapital\u0131 is\u0259 inflyasiya s\u0259viyy\u0259sin\u0259 uy\u011fun olaraq art\u0131r\u0131l\u0131r. Bu bax\u0131mdan, g\u0259l\u0259n ild\u0259n etibar\u0259n pensiya kapital\u0131 da indeksl\u0259\u015fdiril\u0259r\u0259k art\u0131r\u0131lacaq. Bu da x\u00fcsus\u0259n d\u0259 pensiya ya\u015f\u0131 tamam olmayan, amma g\u0259l\u0259c\u0259kd\u0259 pensiya alacaq v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n pensiya kapital\u0131n\u0131n artmas\u0131na v\u0259 onlar\u0131n daha \u00e7ox pensiya almas\u0131na imkan yaradan faktorlardan biridir”.<\/p>\n

Pensiyalar m\u00fc\u0259yy\u0259n faizl\u0259 h\u0259r il art\u0131r\u0131l\u0131r, ancaq \u00f6lk\u0259d\u0259 \u0259rzaq, qeyri-\u0259rzaq, kommunal xidm\u0259tl\u0259rin bahala\u015fmas\u0131na r\u0259\u011fm\u0259n qocal\u0131\u011fa g\u00f6r\u0259 m\u00fcavin\u0259t alanlar\u0131n t\u0259qa\u00fcd\u00fcnd\u0259 ill\u0259rdir d\u0259yi\u015fiklik yoxdur. Onlar c\u0259mi 225 manat\u0131n \u00fcmidin\u0259 qal\u0131blar. M\u0259s\u0259l\u0259 ondad\u0131r ki, bu \u015f\u0259xsl\u0259rin \u0259ks\u0259rinin \u0259lillik pensiyas\u0131 k\u0259silib, yaxud arxivl\u0259rd\u0259n i\u015f yerl\u0259ri – 25 illik staj\u0131n\u0131n 1-2 ili tap\u0131lm\u0131r dey\u0259, yaln\u0131z qocal\u0131\u011fa g\u00f6r\u0259 m\u00fcavin\u0259t al\u0131rlar. 225 manat is\u0259 onlar\u0131n d\u0259rman\u0131na, kommunal xidm\u0259tl\u0259rin\u0259 bel\u0259 \u00e7atm\u0131r. Bu v\u0259sait niy\u0259 art\u0131r\u0131lm\u0131r?<\/strong><\/p>\n

M\u0259lumat \u00fc\u00e7\u00fcn bildir\u0259k ki, \u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d Qanunun 7-ci madd\u0259sin\u0259 \u0259sas\u0259n, pensiya ya\u015f\u0131na \u00e7atm\u0131\u015f \u015f\u0259xsin f\u0259rdi hesab\u0131n s\u0131\u011forta hiss\u0259sind\u0259 qeyd\u0259 al\u0131nm\u0131\u015f pensiya kapital\u0131 \u0259m\u0259k pensiyas\u0131n\u0131n minimum m\u0259bl\u0259\u011find\u0259n az olmayan pensiya t\u0259minat\u0131na imkan verdikd\u0259 s\u0131\u011forta staj\u0131ndan as\u0131l\u0131 olmayaraq, bu pensiya t\u0259minat\u0131na imkan verm\u0259dikd\u0259 is\u0259 az\u0131 25 il s\u0131\u011forta staj\u0131 olduqda (2017-ci il iyulun 1-d\u0259k ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 t\u0259yin edilmi\u015f \u015f\u0259xsl\u0259r istisna olmaqla) ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 h\u00fcququ vard\u0131r.<\/p>\n

Bu 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 6 ay art\u0131r\u0131laraq m\u00fc\u0259yy\u0259nl\u0259\u015fdirilir. Az\u0259rbaycan Respublikas\u0131n\u0131n Prezidenti c\u0259nab \u0130lham \u018fliyevin 21 dekabr 2018-ci il tarixd\u0259 t\u0259sdiq etdiyi \u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131n\u0131n Qanununda d\u0259yi\u015fiklik edilm\u0259si bar\u0259d\u0259” Qanun 2019-cu ilin 1 yanvar\u0131ndan q\u00fcvv\u0259y\u0259 minmi\u015fdir. Qanuna edilmi\u015f v\u0259 q\u00fcvv\u0259y\u0259 min\u0259n d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, 2019-cu ilin \u0259vv\u0259lind\u0259n pensiyalar\u0131n pensiya h\u00fcququ yaranan \u015f\u0259xsin he\u00e7 bir m\u00fcraci\u0259ti olmadan, s\u0259n\u0259d t\u0259qdim etm\u0259d\u0259n v\u0259 pensiya h\u00fcququ yaranan g\u00fcn \u0259rzind\u0259 elektron qaydada t\u0259yin edilm\u0259sin\u0259 ba\u015flan\u0131lm\u0131\u015fd\u0131r. Pensiya \u015f\u0259xs\u0259 t\u0259yin olunandan sonra ona bu, h\u0259m\u00e7inin pensiyan\u0131n m\u0259bl\u0259\u011fi, bank kart\u0131n\u0131 \u0259ld\u0259 ed\u0259c\u0259yi bank filial\u0131 v\u0259 vaxt bar\u0259d\u0259 \u201csms\u201d, e-mail v\u0259 ya r\u0259smi m\u0259ktubla m\u0259lumat verilir. Pensiya t\u0259yinat\u0131n\u0131n avtomatla\u015fd\u0131r\u0131lmas\u0131 t\u0259dbiri pensiya h\u00fcququ yaranacaq \u015f\u0259xsl\u0259rd\u0259n 80 faizini \u0259hat\u0259 ed\u0259c\u0259k. Pensiya t\u0259yinat\u0131n\u0131n avtomatla\u015fd\u0131r\u0131lmas\u0131 h\u0259l\u0259 ki m\u00fcmk\u00fcn olmayan dig\u0259r 20 faiz \u015f\u0259xsl\u0259rin s\u0131ras\u0131na aiddir:<\/p>\n

\u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d Qanunun 9-cu madd\u0259sind\u0259ki (g\u00fcz\u0259\u015ftli \u015f\u0259rtl\u0259rl\u0259 \u0259m\u0259k pensiyas\u0131na h\u00fcquq qazananlar);<\/strong><\/p>\n

\u201c\u018fm\u0259k pensiyalar\u0131 haqq\u0131nda\u201d Qanunun 20-ci madd\u0259sind\u0259ki qruplar (d\u00f6vl\u0259t qulluq\u00e7ular\u0131, h\u0259rbi qulluq\u00e7ular, x\u00fcsusi r\u00fctb\u0259li \u015f\u0259xsl\u0259r, mill\u0259t v\u0259kill\u0259ri v\u0259 s.)<\/strong><\/p>\n

M\u00fct\u0259madi olaraq h\u0259min kateqoriyadan olan v\u0259t\u0259nda\u015flar\u0131n pensiya t\u0259yinat\u0131n\u0131n avtomatla\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn h\u0259m qanunvericilikd\u0259, h\u0259m d\u0259 aidiyy\u0259ti qurumlarla birg\u0259 elektron proqram t\u0259minat\u0131n\u0131n qurulmas\u0131 istiqam\u0259tind\u0259 i\u015fl\u0259r apar\u0131lacaq.<\/p>\n

\u018fm\u0259k pensiyas\u0131 ya\u015f h\u0259ddin\u0259 \u00e7atm\u0131\u015f, lakin ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 h\u00fcququ yaranmayan \u015f\u0259xsl\u0259r\u0259 \u201cSosial m\u00fcavin\u0259tl\u0259r haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131 Qanuna \u0259sas\u0259n \u0259m\u0259k qabiliyy\u0259ti olmayan \u015f\u0259xsl\u0259r i\u015fl\u0259m\u0259dikd\u0259 ya\u015fa g\u00f6r\u0259 sosial m\u00fcavin\u0259t (2023-ci ilin yanvar\u0131n 1-d\u0259n 220 manat) almaq h\u00fcququ vard\u0131r.<\/p>\n

\"Natiq<\/p>\n

Natiq C\u0259f\u0259rli<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131-ekspert Natiq C\u0259f\u0259rli m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da deyib ki, Az\u0259rbaycanda bu m\u0259s\u0259l\u0259 uzun ill\u0259rdir ki, h\u0259ll edilm\u0259d\u0259n qal\u0131r: \u201c\u00c7\u00fcnki \u0259vv\u0259ll\u0259r insanlara veril\u0259n t\u0259qa\u00fcdl\u0259rd\u0259 d\u0259 m\u00fc\u0259yy\u0259n probleml\u0259r ya\u015fan\u0131rd\u0131. Son ill\u0259r minl\u0259rl\u0259 insan\u0131n dem\u0259k olar ki, t\u0259qa\u00fcd\u00fc l\u0259\u011fv edildi. Qurunun oduna ya\u015f da yand\u0131. \u0130ndi d\u0259 bu m\u0259bl\u0259\u011f \u00e7ox a\u015fa\u011f\u0131 s\u0259viyy\u0259d\u0259 qal\u0131b. \u0130nsanlar\u0131n n\u0259 kommunal x\u0259rcl\u0259rinin, \u00fcmumiyy\u0259tl\u0259 ya\u015fay\u0131\u015f \u00fc\u00e7\u00fcn x\u0259rc deyil. H\u0259tta onu da n\u0259z\u0259r\u0259 alsaq ya\u015fay\u0131\u015f minimumu da bu m\u0259bl\u0259\u011fd\u0259n y\u00fcks\u0259k deyil. Minimum \u0259m\u0259khaqq\u0131 345 manatd\u0131r. Ona g\u00f6r\u0259 d\u0259 ehtiyac\u0131 olan bu insanlar\u0131n \u00f6d\u0259ni\u015fl\u0259rinin art\u0131r\u0131lmas\u0131na, he\u00e7 olmasa minimum \u0259m\u0259khaqq\u0131 s\u0259viyy\u0259sind\u0259 art\u0131r\u0131lmas\u0131na ehtiyac var\u201d.<\/p>\n

Yeri g\u0259lmi\u015fk\u0259n, d\u00fcnyada \u0259n b\u00f6y\u00fck pensiya \u0130spaniyada \u00f6d\u0259nilir: pensiya\u00e7\u0131 ayda t\u0259xmin\u0259n 3600 avro ala bil\u0259r.<\/strong><\/p>\n

\u0130spanlar 65 ya\u015f\u0131nda t\u0259qa\u00fcd\u0259 \u00e7\u0131x\u0131r v\u0259 \u0259m\u0259k staj\u0131na v\u0259 pensiya sistemin\u0259 t\u00f6hf\u0259l\u0259rin\u0259 g\u00f6r\u0259 pensiya al\u0131rlar. Maksimum m\u0259bl\u0259\u011f \u00fc\u00e7\u00fcn h\u0259r bir \u015f\u0259xs 38 il \u0259rzind\u0259 pul k\u00f6\u00e7\u00fcrm\u0259lidir. H\u0259r bir Avropa d\u00f6vl\u0259tind\u0259 m\u0259bl\u0259\u011fl\u0259r Avropa \u0130ttifaq\u0131nda \u00fcmumi deyil, daxili qanunvericilikd\u0259n as\u0131l\u0131d\u0131r.<\/p>\n

Almaniyadak\u0131 t\u0259qa\u00fcd\u00e7\u00fcl\u0259r t\u0259xmin\u0259n 790 avro (76 min rubldan bir q\u0259d\u0259r \u00e7ox) al\u0131rlar, lakin faktiki m\u0259bl\u0259\u011f birba\u015fa b\u00fct\u00fcn xidm\u0259t staj\u0131 v\u0259 \u015f\u0259xsi t\u00f6hf\u0259l\u0259r \u00fc\u00e7\u00fcn \u00fcmumi qazancdan as\u0131l\u0131d\u0131r. Pensiya ya\u015f\u0131 ki\u015fil\u0259r v\u0259 qad\u0131nlar \u00fc\u00e7\u00fcn 66-dan ba\u015flay\u0131r, lakin 2029-cu il\u0259 q\u0259d\u0259r 67-y\u0259 y\u00fcks\u0259l\u0259c\u0259k.<\/p>\n

B\u00f6y\u00fck Britaniyada \u00fc\u00e7 n\u00f6v pensiya var: \u00f6z\u0259l, d\u00f6vl\u0259t v\u0259 pensiya. \u0130ngilisl\u0259r ayda 960 funt sterlinq\u0259 q\u0259d\u0259r al\u0131rlar. M\u0259bl\u0259\u011f h\u0259r il indeksl\u0259\u015fdirilir.<\/strong><\/p>\n

Danimarkal\u0131lar i\u015f h\u0259yatlar\u0131n\u0131 65-67 ya\u015flar\u0131nda bitirirl\u0259r. Bu d\u00f6vl\u0259tin s\u0259lahiyy\u0259tli orqanlar\u0131 pensiya\u00e7\u0131lar \u00fc\u00e7\u00fcn \u0259lveri\u015fli ya\u015fay\u0131\u015f \u015f\u0259raiti yarad\u0131r v\u0259 onlar\u0131n h\u0259r birin\u0259 t\u0259xmin\u0259n 2700 avro bird\u0259f\u0259lik \u00f6d\u0259ni\u015f \u00f6d\u0259yir.<\/p>\n

Frans\u0131z qad\u0131nlar 65, ki\u015fil\u0259r is\u0259 67 ya\u015f\u0131nda pensiyaya \u00e7\u0131x\u0131rlar. Orta ayl\u0131q \u00f6d\u0259ni\u015fl\u0259r t\u0259xmin\u0259n 1300 avro t\u0259\u015fkil edir.<\/p>\n

T\u00fcrkiy\u0259 is\u0259 ah\u0131l ya\u015fl\u0131 v\u0259t\u0259nda\u015flara y\u00fcks\u0259k sosial t\u0259minat ver\u0259n \u00f6lk\u0259l\u0259rd\u0259n say\u0131l\u0131r. \u00d6lk\u0259d\u0259 minimum pensiya 465 dollar, orta pensiya is\u0259 680 dollar t\u0259\u015fkil edir.<\/p>\n

\u015eimal qon\u015fumuz Rusiya is\u0259 z\u0259if pensiya t\u0259minat\u0131 il\u0259 se\u00e7ilir. Bu \u00f6lk\u0259d\u0259 orta ayl\u0131q pensiya 200 dollar t\u0259\u015fkil edir.<\/p>\n

Afaq M\u0130RAY\u0130Q,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Natiq C\u0259f\u0259rli: \u201cHe\u00e7 olmasa minimum \u0259m\u0259khaqq\u0131 s\u0259viyy\u0259sind\u0259 art\u0131r\u0131lmas\u0131na ehtiyac var\u201d \u0130qtisad\u00e7\u0131 V\u00fcqar Bayramov pensiyalar\u0131n n\u0259 vaxt v\u0259 n\u0259 q\u0259d\u0259r art\u0131r\u0131laca\u011f\u0131 il\u0259 ba\u011fl\u0131 m\u0259lumat a\u00e7\u0131qlay\u0131b.\u00a0 O deyib ki, m\u00f6vcud qanunvericiliy\u0259 \u0259sas\u0259n, pensiyadak\u0131 art\u0131mlar indeksl\u0259\u015fdirm\u0259 v\u0259 yard\u0131mlar\u0131n verilm\u0259si formas\u0131nda h\u0259yata ke\u00e7irilir: \u201c\u018fm\u0259k pensiyalar\u0131 h\u0259r il yanvar ay\u0131nda indeksl\u0259\u015fdirilir v\u0259 bu, \u0259vv\u0259lki ild\u0259 orta ayl\u0131q \u0259m\u0259khaqq\u0131ndak\u0131 art\u0131m faizin\u0259 uy\u011funla\u015fd\u0131r\u0131l\u0131r. Bu ild\u0259ki orta ayl\u0131q \u0259m\u0259khaqq\u0131ndak\u0131 art\u0131m faizin\u0259 uy\u011fun olaraq, 2025-ci ilin yanvar\u0131n birind\u0259n etibar\u0259n b\u00fct\u00fcn n\u00f6v \u0259m\u0259k pensiyalar\u0131nda art\u0131mlar olacaq. 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