{"id":764248,"date":"2024-10-25T15:33:31","date_gmt":"2024-10-25T11:33:31","guid":{"rendered":"https:\/\/arantv.az\/?p=764248"},"modified":"2024-10-25T15:33:31","modified_gmt":"2024-10-25T11:33:31","slug":"kredit-kartlari-yoxsa-%c9%99hali-ucun-borc-t%c9%99l%c9%99si","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=764248","title":{"rendered":"Kredit Kartlar\u0131 yoxsa \u018fhali \u00fc\u00e7\u00fcn “Borc T\u0259l\u0259si”"},"content":{"rendered":"

M\u00fcasir d\u00f6vrd\u0259 qida, \u0259yl\u0259nc\u0259, avtomobil v\u0259 ba\u015fqa bu kimi x\u0259rcl\u0259rin \u00f6d\u0259nilm\u0259si zaman\u0131 pul qab\u0131m\u0131zda m\u00f6vcud olan plastik kartlar\u0131 pos terminallara yax\u0131nla\u015fd\u0131rmaq v\u0259 ya onlayn platformalara daxil etm\u0259k kifay\u0259t edir. T\u0259bii ki, t\u0259kc\u0259 kart\u0131n fiziki c\u0259h\u0259td\u0259n varl\u0131\u011f\u0131 il\u0259 kifay\u0259tl\u0259n\u0259 bilm\u0259rik. Balans\u0131nda kifay\u0259t q\u0259d\u0259r v\u0259saitinin olmas\u0131 da vacibdir. B\u0259z\u0259n m\u00fcxt\u0259lif \u00f6d\u0259ni\u015fl\u0259rin, \u0259m\u0259liyyatlar\u0131n h\u0259yata ke\u00e7irilm\u0259si zaman\u0131 ehtiyac olan v\u0259saitin miqdar\u0131 daha y\u00fcks\u0259k ola bilir. Bu kimi m\u0259qamlarda v\u0259 yaxud dig\u0259r situasiyalarda kredit kartlar\u0131 k\u00f6m\u0259yimiz\u0259 \u00e7at\u0131r. Kredit kartlar\u0131 banklar t\u0259r\u0259find\u0259n istehlak\u00e7\u0131lara al\u0131\u015f-veri\u015f v\u0259 m\u00fcxt\u0259lif \u00f6d\u0259ni\u015fl\u0259rin icras\u0131 kimi \u0259m\u0259liyyatlar\u0131 h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn istifad\u0259y\u0259 t\u0259qdim olunan plastik kartlard\u0131r. Kredit kartlar\u0131n\u0131n balans\u0131 istehlak\u00e7\u0131n\u0131n ayl\u0131q, illik g\u0259lirin\u0259 yaxud maliyy\u0259 qurumunun \u015f\u0259rtl\u0259rin\u0259 uy\u011funla\u015fd\u0131r\u0131laraq, m\u00fc\u0259yy\u0259n limit daxilind\u0259 t\u0259qdim olunur. Bel\u0259likl\u0259, kredit kart sahibi ona t\u0259qdim olunan limit daxilind\u0259 x\u0259rcl\u0259rini qar\u015f\u0131laya bilir. \u0130stifad\u0259\u00e7i \u00fc\u00e7\u00fcn ayr\u0131lan kredit m\u0259bl\u0259\u011fi \u00f6nc\u0259d\u0259n raz\u0131la\u015fd\u0131r\u0131lm\u0131\u015f aylar \u00fczr\u0259 b\u0259rab\u0259r \u015f\u0259kild\u0259 b\u00f6l\u00fcn\u00fcr. M\u00fc\u015ft\u0259ri h\u0259r ay\u0131n m\u00fc\u0259yy\u0259n tarixind\u0259 m\u00fcvafiq olaraq b\u00f6l\u00fcnm\u00fc\u015f \u00f6d\u0259ni\u015fi \u00f6d\u0259m\u0259lidir. \u018fks halda \u00f6d\u0259ni\u015fin \u00fcz\u0259rin\u0259 faiz m\u0259bl\u0259\u011fi toplan\u0131r ki, bu is\u0259 \u0259lav\u0259 x\u0259rc dem\u0259kdir.
\nLakin son zamanlarda kredit kartlar\u0131ndan istifad\u0259 ed\u0259n v\u0259t\u0259nda\u015flar\u0131n \u015fikay\u0259tin\u0259 tez-tez rast g\u0259linir. Bel\u0259 ki, onlar banklar\u0131n t\u0259qdim etdiyi bu kartlar\u0131 “borc t\u0259l\u0259si” adland\u0131r\u0131rlar. Veril\u0259n pullar\u0131n faizl\u0259rinin \u00e7ox olmas\u0131ndan v\u0259 \u00f6d\u0259ni\u015f etdikl\u0259ri t\u0259qdird\u0259 borcun bitm\u0259diyind\u0259n naraz\u0131l\u0131q edirl\u0259r.<\/p>\n

M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0BiG.AZ<\/a>-a a\u00e7\u0131qlama ver\u0259n bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Emin K\u0259rim bildirib ki, kredit kartlar\u0131 \u00f6t\u0259n \u0259srin 80-ci ill\u0259rind\u0259n h\u0259m d\u00fcnya bazar\u0131nda, h\u0259m d\u0259 banklarda d\u00f6vriyy\u0259y\u0259 daxil olub:<\/p>\n

\"Kredit“Bu kartlar m\u00fc\u015ft\u0259ril\u0259ri t\u0259l\u0259y\u0259 salmaq yox \u0259ksin\u0259 \u00e7\u0259tin v\u0259ziyy\u0259td\u0259n \u00e7\u0131xarmaq \u00fc\u00e7\u00fcn vasit\u0259dir. D\u00fczg\u00fcn istifad\u0259 olundu\u011fu t\u0259qdird\u0259 xeyirli maliyy\u0259 al\u0259tidir. Sad\u0259c\u0259 bizim b\u0259zi v\u0259t\u0259nda\u015flar\u0131m\u0131z m\u0259hsul \u015f\u0259rti il\u0259 tam tan\u0131\u015f olmadan kartlardan istifad\u0259 edirl\u0259r. Bu da \u0259hali aras\u0131nda banklar\u0131 haqq\u0131nda “borc t\u0259l\u0259si” fikrini formala\u015fd\u0131r\u0131r.<\/p>\n

<\/div>\n

B\u0259zi bank m\u00fc\u015ft\u0259ril\u0259ri \u015fikay\u0259t edir ki, “n\u0259 q\u0259d\u0259r borc \u00f6d\u0259s\u0259k d\u0259 kredit bitmir, faizi g\u00fcnb\u0259g\u00fcn art\u0131r.” Bunlar tamamil\u0259 yanl\u0131\u015f yana\u015fma v\u0259 s\u0259hv fikirdir. Plastik kart alark\u0259n v\u0259t\u0259nda\u015flar\u0131n diqq\u0259t yetirm\u0259li oldu\u011fu vacib m\u0259qam onun b\u0259rpa olunan kredit x\u0259tti olub olmamas\u0131d\u0131r. Adi kredit zaman\u0131 v\u0259t\u0259nda\u015f kredit g\u00f6t\u00fcr\u00fcr v\u0259 zamanla \u00f6d\u0259ni\u015fi \u00f6d\u0259y\u0259r\u0259k borcu bitmi\u015f olur. Plastik kredit kartlar\u0131nda is\u0259 sistemd\u0259 pul yenil\u0259nir. Bu zaman v\u0259t\u0259nda\u015fda “bank borcu bitmir” fikri formala\u015f\u0131r”.<\/p>\n

\"KreditEmin K\u0259rim qeyd etdi ki, bank m\u00fc\u015ft\u0259ril\u0259rinin b\u0259zisi d\u0259 kredit kartlar\u0131n\u0131n limitinin icaz\u0259siz art\u0131\u011f\u0131ndan \u015fikay\u0259t edirl\u0259r. \u0130st\u0259rdim ki, bu m\u0259s\u0259l\u0259y\u0259 ayd\u0131nl\u0131q g\u0259tirim:<\/p>\n

“Kredit limitinin artmas\u0131 m\u00fc\u015ft\u0259rinin \u00f6d\u0259m\u0259li oldu\u011fu m\u0259bl\u0259\u011f\u0131n y\u00fcks\u0259lm\u0259si m\u0259nas\u0131na g\u0259lmir. Bu g\u00fcn kims\u0259 1000 manatl\u0131q kart g\u00f6t\u00fcr\u00fcbs\u0259 onun limiti sonradan 2 v\u0259 ya 3 min manat art\u0131r\u0131l\u0131rsa, bu m\u00fc\u015ft\u0259riy\u0259 bank\u0131n g\u00fcv\u0259nind\u0259n\u00a0x\u0259b\u0259r<\/a>\u00a0verir. Plastik kartlarda faiz \u00f6hd\u0259liyi v\u0259 \u00f6d\u0259ni\u015fi istifad\u0259 olunmu\u015f limit\u0259 g\u00f6r\u0259 hesablan\u0131r. 1000 manatdan 200 manat x\u0259rcl\u0259nibs\u0259 m\u00fc\u015ft\u0259ri yaln\u0131z 200 manat\u0131n kreditini banka \u00f6d\u0259yir. 1000 manata g\u00f6r\u0259 faiz hesablanm\u0131r”.<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u00fcasir d\u00f6vrd\u0259 qida, \u0259yl\u0259nc\u0259, avtomobil v\u0259 ba\u015fqa bu kimi x\u0259rcl\u0259rin \u00f6d\u0259nilm\u0259si zaman\u0131 pul qab\u0131m\u0131zda m\u00f6vcud olan plastik kartlar\u0131 pos terminallara yax\u0131nla\u015fd\u0131rmaq v\u0259 ya onlayn platformalara daxil etm\u0259k kifay\u0259t edir. T\u0259bii ki, t\u0259kc\u0259 kart\u0131n fiziki c\u0259h\u0259td\u0259n varl\u0131\u011f\u0131 il\u0259 kifay\u0259tl\u0259n\u0259 bilm\u0259rik. Balans\u0131nda kifay\u0259t q\u0259d\u0259r v\u0259saitinin olmas\u0131 da vacibdir. B\u0259z\u0259n m\u00fcxt\u0259lif \u00f6d\u0259ni\u015fl\u0259rin, \u0259m\u0259liyyatlar\u0131n h\u0259yata ke\u00e7irilm\u0259si zaman\u0131 ehtiyac olan v\u0259saitin miqdar\u0131 daha y\u00fcks\u0259k ola bilir. Bu kimi m\u0259qamlarda v\u0259 yaxud dig\u0259r situasiyalarda kredit kartlar\u0131 k\u00f6m\u0259yimiz\u0259 \u00e7at\u0131r. Kredit kartlar\u0131 banklar t\u0259r\u0259find\u0259n istehlak\u00e7\u0131lara al\u0131\u015f-veri\u015f v\u0259 m\u00fcxt\u0259lif \u00f6d\u0259ni\u015fl\u0259rin icras\u0131 kimi \u0259m\u0259liyyatlar\u0131 h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn istifad\u0259y\u0259 t\u0259qdim olunan…<\/p>\n","protected":false},"author":2,"featured_media":764249,"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\/10\/961.png",650,400,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961.png",650,400,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961.png",650,400,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961-500x280.png",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961-593x365.png",593,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961.png",640,394,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961.png",650,400,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961.png",650,400,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961-240x172.png",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/961.png",650,400,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":"M\u00fcasir d\u00f6vrd\u0259 qida, \u0259yl\u0259nc\u0259, avtomobil v\u0259 ba\u015fqa bu kimi x\u0259rcl\u0259rin \u00f6d\u0259nilm\u0259si zaman\u0131 pul qab\u0131m\u0131zda m\u00f6vcud olan plastik kartlar\u0131 pos terminallara yax\u0131nla\u015fd\u0131rmaq v\u0259 ya onlayn platformalara daxil etm\u0259k kifay\u0259t edir. T\u0259bii ki, t\u0259kc\u0259 kart\u0131n fiziki c\u0259h\u0259td\u0259n varl\u0131\u011f\u0131 il\u0259 kifay\u0259tl\u0259n\u0259 bilm\u0259rik. Balans\u0131nda kifay\u0259t q\u0259d\u0259r v\u0259saitinin olmas\u0131 da vacibdir. B\u0259z\u0259n m\u00fcxt\u0259lif \u00f6d\u0259ni\u015fl\u0259rin, \u0259m\u0259liyyatlar\u0131n h\u0259yata ke\u00e7irilm\u0259si zaman\u0131 ehtiyac olan…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/764248"}],"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=764248"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/764248\/revisions"}],"predecessor-version":[{"id":764250,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/764248\/revisions\/764250"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/764249"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=764248"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=764248"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=764248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}