{"id":775885,"date":"2024-12-20T18:49:39","date_gmt":"2024-12-20T14:49:39","guid":{"rendered":"https:\/\/arantv.az\/?p=775885"},"modified":"2024-12-20T18:49:39","modified_gmt":"2024-12-20T14:49:39","slug":"yastiq-altindaki-pullar-bakida-bes-ev-almaq-yoxsa","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=775885","title":{"rendered":"Yast\u0131q alt\u0131ndak\u0131 pullar – Bak\u0131da be\u015f ev almaq, yoxsa?"},"content":{"rendered":"

\u0130qtisad\u00e7\u0131 deyir ki, pulun yax\u0131n m\u00fcdd\u0259td\u0259 art\u0131r\u0131lmas\u0131n\u0131n \u0259n s\u0259rf\u0259li variant\u0131 bank depozitl\u0259ridir<\/strong><\/p>\n

Az\u0259rbaycanda \u0259halinin banklara \u0259vv\u0259lki inam\u0131 qalmay\u0131b. M\u00fcst\u0259qillik d\u00f6vr\u00fcnd\u0259n b\u0259ri v\u0259t\u0259nda\u015flar d\u0259f\u0259l\u0259rl\u0259 banklarla problem ya\u015fay\u0131b. Yax\u0131n ke\u00e7mi\u015fd\u0259 bir ne\u00e7\u0259 bankda ciddi b\u00f6hran ya\u015fand\u0131, b\u0259zil\u0259ri ba\u011fland\u0131 v\u0259 v\u0259t\u0259nda\u015flar bundan kifay\u0259t q\u0259d\u0259r \u0259ziyy\u0259t \u00e7\u0259kdil\u0259r. H\u0259l\u0259 d\u0259 ba\u011flanm\u0131\u015f banklarda qalan pullar\u0131n\u0131 ala bilm\u0259y\u0259n insanlar var v\u0259 onlar\u0131n i\u015fl\u0259ri m\u0259hk\u0259m\u0259d\u0259dir. \u00d6lk\u0259d\u0259 dig\u0259r banklara depozit qoyanlar olsa da, i\u015fin riskli t\u0259r\u0259fi h\u0259mi\u015f\u0259 onlar\u0131 qorxudur.<\/p>\n

B\u0259s insanlar pulunu nec\u0259 art\u0131rs\u0131n? H\u0259mi\u015f\u0259ki kimi, da\u015f\u0131nmaz \u0259mlak liderdir. M\u0259s\u0259l\u0259n, 2012-ci ild\u0259 metronun \u201c20 Yanvar\u201d stansiyas\u0131n\u0131n yax\u0131nl\u0131\u011f\u0131ndak\u0131 \u0259razid\u0259 be\u015fm\u0259rt\u0259b\u0259li binalarda ikiotaql\u0131 m\u0259nzilin qiym\u0259ti t\u0259xmin\u0259n 55 min dollar idi. \u0130ndi h\u0259min m\u0259nzili 100 min manata almaq m\u00fcmk\u00fcnd\u00fcr. Y\u0259ni 58-59 min dollara m\u0259nzil sahibin\u0259 \u00e7evrilm\u0259k olar. \u0130lk bax\u0131\u015fdan dollarla qiym\u0259t \u00e7ox artmay\u0131b. N\u0259z\u0259r\u0259 alaq ki, 2015-ci ild\u0259 iki d\u0259f\u0259 devalvasiya olub v\u0259 bu da m\u0259nzill\u0259rin yet\u0259rinc\u0259 d\u0259y\u0259rli olmas\u0131na imkan verm\u0259yib. G\u00f6r\u00fcnd\u00fcy\u00fc kimi, ist\u0259nil\u0259n halda qiym\u0259t y\u00fcks\u0259lib. Pulunu art\u0131rmaq ist\u0259y\u0259n \u015f\u0259xs h\u0259min vaxt m\u0259nzil alaraq kiray\u0259y\u0259 verm\u0259y\u0259 ba\u015flasayd\u0131, indiy\u0259 ortaya qoydu\u011fu pulun az\u0131 yar\u0131s\u0131 q\u0259d\u0259r qazanc \u0259ld\u0259 ed\u0259rdi.<\/p>\n

M\u00fct\u0259x\u0259ssisl\u0259r bir d\u0259 q\u0131z\u0131l alma\u011f\u0131 t\u00f6vsiy\u0259 edir. Burada is\u0259 qiym\u0259tli da\u015f\u0131 m\u0259hz k\u00fcl\u00e7\u0259 formada \u0259ld\u0259 etm\u0259k m\u0259sl\u0259h\u0259t g\u00f6r\u00fcl\u00fcr. Kriptovalyuta say\u0259sind\u0259 qazanc \u0259ld\u0259 ed\u0259nl\u0259r d\u0259 az deyil. Lakin bunun risk t\u0259r\u0259fi h\u0259mi\u015f\u0259 y\u00fcks\u0259kdir. Varland\u0131\u011f\u0131n\u0131z s\u00fcr\u0259tl\u0259 m\u00fcflis d\u0259 ola bil\u0259rsiniz.<\/strong><\/p>\n

\"REAL-\u0131n<\/strong><\/p>\n

Natiq C\u0259f\u0259rli\u00a0<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 Natiq C\u0259f\u0259rli\u00a0 \u201cYeni M\u00fcsavat\u201da a\u00e7\u0131qlamas\u0131nda bildirib ki, yax\u0131n m\u00fcdd\u0259tli h\u0259d\u0259fl\u0259rd\u0259 pulun art\u0131r\u0131lmas\u0131n\u0131n \u0259n s\u0259rf\u0259li variant\u0131 bank depozitl\u0259ridir. \u00c7\u00fcnki bank depozitl\u0259rind\u0259 12 faiz g\u0259lir ver\u0259n banklar da var:\u00a0 \u201cOrta v\u0259 uzun m\u00fcdd\u0259tli g\u0259lirl\u0259 ba\u011fl\u0131 is\u0259 b\u0259zi probleml\u0259r yarana bil\u0259r. \u00c7\u00fcnki manat\u0131n taleyinin bir ne\u00e7\u0259 il sonra nec\u0259 olaca\u011f\u0131 b\u0259lli deyil. \u0130nsanlar\u0131 devalvasiyan\u0131n olub-olmayaca\u011f\u0131 narahat edir. 2026-c\u0131 ild\u0259 bel\u0259 bir probleml\u0259 qar\u015f\u0131la\u015fa bil\u0259rik.<\/p>\n

Ona g\u00f6r\u0259 d\u0259 orta v\u0259 uzun m\u00fcdd\u0259t \u00fc\u00e7\u00fcn manat depozitl\u0259rinin m\u00fc\u0259yy\u0259n probleml\u0259ri qa\u00e7\u0131lmazd\u0131r.\u00a0<\/strong><\/p>\n

Q\u0131z\u0131lla ba\u011fl\u0131 narahatl\u0131q is\u0259 ondan ibar\u0259tdir ki, onu alanda baha, satanda is\u0259 ucuz olur. Bel\u0259 olan halda is\u0259 pul itirirs\u0259n. Ona g\u00f6r\u0259 d\u0259 q\u0131z\u0131l\u0131 uzunm\u00fcdd\u0259tli yat\u0131r\u0131m kimi saxlamaq daha faydal\u0131d\u0131r. Q\u0131z\u0131l\u0131n qiym\u0259tinin bir ne\u00e7\u0259 il\u0259 artmas\u0131 ehtimal\u0131 y\u00fcks\u0259kdir.\u00c7\u00fcnki d\u00fcnyada iqtisadi \u00e7\u0259tinlikl\u0259r, geosiyasi g\u0259rginlikl\u0259r artd\u0131qca q\u0131z\u0131l\u0131n qiym\u0259ti d\u0259 art\u0131r v\u0259 g\u00fcv\u0259nli liman rolunu oynay\u0131r. \u018fg\u0259r uzunm\u00fcdd\u0259tli yat\u0131r\u0131m etm\u0259k ist\u0259y\u0259nl\u0259r varsa, burada q\u0131z\u0131l \u00f6n\u0259mlidir. Son bir ild\u0259 q\u0131z\u0131l\u0131n qiym\u0259ti 25 faiz art\u0131b.\u00a0 Da\u015f\u0131nmaz \u0259mlak is\u0259 Az\u0259rbaycanda \u00e7ox bahala\u015f\u0131b. 150 minlik bir evi al\u0131b, icar\u0259y\u0259 vers\u0259niz, \u0259n yax\u015f\u0131 halda t\u0259qrib\u0259n 25 il\u0259 qoydu\u011funuz pulu g\u00f6t\u00fcr\u0259 bil\u0259c\u0259ksiniz.<\/p>\n

D\u00fcnyada is\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n qiym\u0259ti il\u0259 onun icar\u0259sind\u0259n g\u0259l\u0259n g\u0259lir 8-10 il aras\u0131nda olur v\u0259 bu, daha yax\u015f\u0131 yat\u0131r\u0131m say\u0131l\u0131r. Ona g\u00f6r\u0259 d\u0259 pul art\u0131r\u0131lmas\u0131 insanlar\u0131n \u0259lind\u0259 olan v\u0259saitin h\u0259cmind\u0259n v\u0259 onlar\u0131n planlar\u0131ndan as\u0131l\u0131d\u0131r. Amma \u00fcmumilikd\u0259 yen\u0259 qeyd edim ki, q\u0131sam\u00fcdd\u0259tli \u0259n g\u0259lirli sah\u0259 bank depozitl\u0259ridir”.<\/p>\n

Ekspert deyir ki, banklarla ba\u011fl\u0131 riskl\u0259r var. Buna g\u00f6r\u0259 d\u0259 v\u0259t\u0259nda\u015flar daha \u00e7ox sistemyarad\u0131c\u0131 banklara m\u00fcraci\u0259t etm\u0259lidir: \u201c\u00d6lk\u0259d\u0259 4-5 bank var ki, onlar\u0131n ba\u011flanmas\u0131 m\u00fcmk\u00fcn deyil. \u018fg\u0259r onlar ba\u011flansa, \u00f6lk\u0259nin iqtisadiyyat\u0131 \u00e7\u00f6k\u0259r. Ona g\u00f6r\u0259 d\u0259 bank se\u00e7imind\u0259 y\u00fcks\u0259k faizd\u0259n \u0259lav\u0259, banklar\u0131n dayan\u0131ql\u0131 olmas\u0131na v\u0259t\u0259nda\u015flar m\u00fctl\u0259q fikir verm\u0259lidir.\u00a0<\/strong><\/p>\n

Bu g\u00fcn\u0259 kimi ba\u011flanan banklarla ba\u011fl\u0131 ciddi m\u0259s\u0259l\u0259l\u0259r var. V\u0259t\u0259nda\u015flardan \u00e7ox \u00f6z\u0259l sektorun \u0259m\u0259natl\u0259ri il\u0259 ba\u011fl\u0131 probleml\u0259r qal\u0131r. V\u0259t\u0259nda\u015f\u0131n banklarda qalan pullar\u0131n\u0131 gec d\u0259 olsa geri almaq \u015fans\u0131 var, amma el\u0259 \u00f6z\u0259l qurumlar var ki, onlar\u0131n v\u0259saiti h\u0259l\u0259 d\u0259 qaytar\u0131lmay\u0131b”.<\/p>\n

\"Az\u0259rbaycanda<\/p>\n

\u00dczeyir \u015e\u0259fiyev<\/strong><\/p>\n

Sosioloq \u00dczeyir \u015e\u0259fiyev deyir ki, Az\u0259rbaycan m\u00fcst\u0259qillik \u0259ld\u0259 etdikd\u0259n sonra \u00f6lk\u0259mizd\u0259 banklarla ba\u011fl\u0131 inam b\u00f6hran\u0131 yaran\u0131b: \u201cV\u0259t\u0259nda\u015flar banklara pul yat\u0131rd\u0131lar, onlar is\u0259 xaotik v\u0259ziyy\u0259td\u0259n istifad\u0259 ed\u0259r\u0259k insanlar\u0131 aldatd\u0131lar. N\u0259tic\u0259d\u0259 v\u0259t\u0259nda\u015flarda onlara qar\u015f\u0131 inams\u0131zl\u0131q yarand\u0131. Bundan sonra \u0259hali da\u015f\u0131nmaz \u0259mlaka yat\u0131r\u0131m etdi v\u0259 pulu evd\u0259 saxlama\u011fa \u00fcst\u00fcnl\u00fck verdi. Bu g\u00fcn v\u0259t\u0259nda\u015f banka pulunu qoyma\u011fa \u00fcr\u0259k etmir. Eyni zamanda dig\u0259r m\u0259s\u0259l\u0259 ondan ibar\u0259tdir ki, banklar cuzi faizl\u0259 v\u0259t\u0259nda\u015flardan pulu q\u0259bul edir, ancaq \u00f6zl\u0259ri kredit ver\u0259rk\u0259n \u00e7ox b\u00f6y\u00fck faiz qoyurlar. Bu da v\u0259t\u0259nda\u015fa c\u0259lbedici g\u00f6rs\u0259nmir. \u0130nsanlarda b\u00f6y\u00fck pul k\u00fctl\u0259si var v\u0259 onu uy\u011fun yerl\u0259rd\u0259 saxlay\u0131rlar. Bu v\u0259ziyy\u0259td\u0259 d\u00f6vl\u0259t uduzur, \u00e7\u00fcnki v\u0259saitl\u0259r “\u00f6l\u00fc kapital” kimi evl\u0259rd\u0259 qal\u0131r v\u0259 iqtisadiyyata t\u00f6hf\u0259 vermir. Hesab edir\u0259m ki, Az\u0259rbaycanda v\u0259t\u0259nda\u015f-bank m\u00fcnasib\u0259tl\u0259rind\u0259 \u015f\u0259ffaf yana\u015fmaya v\u0259 daha s\u0259mimi ortama ehtiyac var. \u018fks t\u0259qdird\u0259, bank-v\u0259t\u0259nda\u015f m\u0259saf\u0259si daha da d\u0259rinl\u0259\u015f\u0259c\u0259k. Bu hal n\u0259 v\u0259t\u0259nda\u015f\u0131n xeyrin\u0259dir, n\u0259 d\u0259 d\u00f6vl\u0259tin. \u00c7ox yax\u015f\u0131 olard\u0131 ki, banklar v\u0259t\u0259nda\u015flara motivasiyal\u0131 faizl\u0259r t\u0259klif etsinl\u0259r, h\u0259m d\u0259 etibar v\u0259d etsinl\u0259r.\u00a0 V\u0259t\u0259nda\u015f m\u00fcraci\u0259t ed\u0259nd\u0259 bankdan pulunu g\u00f6t\u00fcrm\u0259k imkan\u0131 olsun, b\u00fcrokratik \u0259ng\u0259ll\u0259rl\u0259 qar\u015f\u0131la\u015fmas\u0131n. Eyni zamanda fors-major hadis\u0259l\u0259r zaman\u0131 indeksasiya d\u00fczg\u00fcn apar\u0131lmal\u0131d\u0131r. V\u0259t\u0259nda\u015f bilsin ki, b\u00f6hran olarsa, pulu indeksasiya olunacaq v\u0259 b\u00f6hrandan salamat \u00e7\u0131xacaq”.<\/p>\n

Sosioloq deyir ki, v\u0259t\u0259nda\u015flar g\u0259lir \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn s\u0259l\u0259m\u0259 pul verirl\u0259r v\u0259 bunun qurban\u0131na \u00e7evrilirl\u0259r: \u201cBunun ax\u0131r\u0131 is\u0259 yax\u015f\u0131 sonlanm\u0131r v\u0259 b\u00f6y\u00fck cinay\u0259t hadis\u0259l\u0259rin\u0259 q\u0259d\u0259r g\u0259lib \u00e7\u0131x\u0131r. Ona g\u00f6r\u0259 d\u0259 \u0259n yax\u015f\u0131s\u0131 pullar\u0131n banklara qoyulmas\u0131d\u0131r. Bunun \u00fc\u00e7\u00fcn is\u0259 bankla v\u0259t\u0259nda\u015f aras\u0131nda inam k\u00f6rp\u00fcs\u00fcn\u00fc b\u0259rpa etm\u0259k laz\u0131md\u0131r\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130qtisad\u00e7\u0131 deyir ki, pulun yax\u0131n m\u00fcdd\u0259td\u0259 art\u0131r\u0131lmas\u0131n\u0131n \u0259n s\u0259rf\u0259li variant\u0131 bank depozitl\u0259ridir Az\u0259rbaycanda \u0259halinin banklara \u0259vv\u0259lki inam\u0131 qalmay\u0131b. M\u00fcst\u0259qillik d\u00f6vr\u00fcnd\u0259n b\u0259ri v\u0259t\u0259nda\u015flar d\u0259f\u0259l\u0259rl\u0259 banklarla problem ya\u015fay\u0131b. Yax\u0131n ke\u00e7mi\u015fd\u0259 bir ne\u00e7\u0259 bankda ciddi b\u00f6hran ya\u015fand\u0131, b\u0259zil\u0259ri ba\u011fland\u0131 v\u0259 v\u0259t\u0259nda\u015flar bundan kifay\u0259t q\u0259d\u0259r \u0259ziyy\u0259t \u00e7\u0259kdil\u0259r. H\u0259l\u0259 d\u0259 ba\u011flanm\u0131\u015f banklarda qalan pullar\u0131n\u0131 ala bilm\u0259y\u0259n insanlar var v\u0259 onlar\u0131n i\u015fl\u0259ri m\u0259hk\u0259m\u0259d\u0259dir. \u00d6lk\u0259d\u0259 dig\u0259r banklara depozit qoyanlar olsa da, i\u015fin riskli t\u0259r\u0259fi h\u0259mi\u015f\u0259 onlar\u0131 qorxudur. B\u0259s insanlar pulunu nec\u0259 art\u0131rs\u0131n? H\u0259mi\u015f\u0259ki kimi, da\u015f\u0131nmaz \u0259mlak liderdir. M\u0259s\u0259l\u0259n, 2012-ci ild\u0259 metronun \u201c20 Yanvar\u201d stansiyas\u0131n\u0131n yax\u0131nl\u0131\u011f\u0131ndak\u0131 \u0259razid\u0259 be\u015fm\u0259rt\u0259b\u0259li…<\/p>\n","protected":false},"author":2,"featured_media":775886,"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\/12\/41f857becfb77cacd56c80833c844bc5.jpg",734,491,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5.jpg",734,491,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5.jpg",734,491,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5-546x365.jpg",546,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5.jpg",640,428,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5.jpg",734,491,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5.jpg",734,491,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/12\/41f857becfb77cacd56c80833c844bc5.jpg",734,491,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":"\u0130qtisad\u00e7\u0131 deyir ki, pulun yax\u0131n m\u00fcdd\u0259td\u0259 art\u0131r\u0131lmas\u0131n\u0131n \u0259n s\u0259rf\u0259li variant\u0131 bank depozitl\u0259ridir Az\u0259rbaycanda \u0259halinin banklara \u0259vv\u0259lki inam\u0131 qalmay\u0131b. M\u00fcst\u0259qillik d\u00f6vr\u00fcnd\u0259n b\u0259ri v\u0259t\u0259nda\u015flar d\u0259f\u0259l\u0259rl\u0259 banklarla problem ya\u015fay\u0131b. Yax\u0131n ke\u00e7mi\u015fd\u0259 bir ne\u00e7\u0259 bankda ciddi b\u00f6hran ya\u015fand\u0131, b\u0259zil\u0259ri ba\u011fland\u0131 v\u0259 v\u0259t\u0259nda\u015flar bundan kifay\u0259t q\u0259d\u0259r \u0259ziyy\u0259t \u00e7\u0259kdil\u0259r. 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