{"id":786416,"date":"2025-02-07T18:01:15","date_gmt":"2025-02-07T14:01:15","guid":{"rendered":"https:\/\/arantv.az\/?p=786416"},"modified":"2025-02-07T18:01:15","modified_gmt":"2025-02-07T14:01:15","slug":"h%c9%99yatin-yasam-sigortasi-od%c9%99nisl%c9%99rd%c9%99-k%c9%99skin-artim-yeni-muqavil%c9%99l%c9%99rd%c9%99-azalma-n%c9%99-bas-verir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=786416","title":{"rendered":"H\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131: \u00d6d\u0259ni\u015fl\u0259rd\u0259 k\u0259skin art\u0131m, yeni m\u00fcqavil\u0259l\u0259rd\u0259 azalma \u2013 N\u0259 ba\u015f verir?"},"content":{"rendered":"<p><strong>Az\u0259rbaycanda 2024-c\u00fc il \u0259rzind\u0259\u00a0h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259 y\u0131\u011f\u0131mlar v\u0259 \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi a\u00e7\u0131qlan\u0131b. M\u0259rk\u0259zi Bank\u0131n hesabat\u0131ndan ayd\u0131n olur ki, 2024-c\u00fc ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 y\u0131\u011f\u0131mlar\u0131\u00a0599 milyon 197 min min manat\u00a0t\u0259\u015fkil edib. \u00a0Bu, 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259\u00a094 milyon 205 min\u00a0manat v\u0259 ya 19 faiz\u00a0\u00e7oxdur. Xat\u0131rladaq ki, 2023-c\u00fc ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259\u00a0504 milyon 993 min manat\u00a0s\u0131\u011forta haqq\u0131 toplan\u0131b.<\/strong><\/p>\n<p>\u00d6t\u0259n il h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri\u00a0477 milyon 155 min manat\u00a0t\u0259\u015fkil edib. Bu is\u0259 illik m\u00fcqayis\u0259d\u0259\u00a0181 milyon 603 min manat v\u0259 ya 62 faiz\u00a0\u00e7oxdur \u2013 2023-c\u00fc ild\u0259\u00a0292 milyon 552 min manat\u00a0s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7irilmi\u015fdi.<\/p>\n<p>Hesabat d\u00f6vr\u00fcnd\u0259 bu s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 z\u0259r\u0259rlilik g\u00f6st\u0259ricisi is\u0259\u00a079 faiz\u00a0t\u0259\u015fkil edib. Z\u0259r\u0259rlilik g\u00f6st\u0259ricisi son bir ild\u0259\u00a021 faiz\u00a0art\u0131b. 2023-ci ild\u0259 z\u0259r\u0259rlilik g\u00f6st\u0259ricisi\u00a058 faiz olmu\u015fdu.<\/p>\n<p>Qeyd ed\u0259k ki, son ill\u0259rd\u0259 bu s\u0131\u011forta n\u00f6v\u00fcn\u0259 maraq s\u00fcr\u0259tl\u0259 art\u0131rd\u0131. Buna s\u0131\u011forta n\u00f6v\u00fcn\u00fcn inki\u015faf\u0131 m\u0259qs\u0259dil\u0259 t\u0259tbiq olunan stimulla\u015fd\u0131r\u0131c\u0131 t\u0259dbirl\u0259r s\u0259b\u0259b olmu\u015fdu. Lakin 2023-c\u00fc ild\u0259n ba\u015flayaraq h\u0259min stimulla\u015fd\u0131r\u0131c\u0131 t\u0259dbirl\u0259r t\u0259dric\u0259n aradan qald\u0131r\u0131l\u0131r. Bel\u0259 ki, 2023-c\u00fc ilin avrqustunda Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n q\u0259bul etdiyi q\u0259rara \u0259sas\u0259n h\u0259min ilin sentyabr\u0131ndan \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n b\u00fct\u00fcn h\u0259yat s\u0131\u011forta \u015firk\u0259tl\u0259ri \u201cH\u0259yat\u0131n y\u0131\u011f\u0131m s\u0131\u011fortas\u0131\u201d m\u0259hsulundan istifad\u0259 ed\u0259n m\u00fc\u015ft\u0259ril\u0259r\u0259 kredit x\u0259ttinin a\u00e7\u0131lmas\u0131n\u0131 dayand\u0131rmal\u0131 oldular. H\u0259min vaxta q\u0259d\u0259r &#8220;H\u0259yat\u0131n y\u0131\u011f\u0131m s\u0131\u011fortas\u0131\u201d m\u0259hsulundan istifad\u0259 ed\u0259nl\u0259r g\u0259lirl\u0259rini art\u0131rmaq m\u0259qs\u0259di il\u0259 \u0259m\u0259khaqq\u0131n\u0131n \u0259sas hiss\u0259sini y\u0131\u011f\u0131m s\u0131\u011fortas\u0131na y\u00f6n\u0259ldirdil\u0259r. \u018fv\u0259zind\u0259 \u015firk\u0259tl\u0259r s\u0131\u011fortaolunanlara illik\u00a07,5\u00a0 faiz-l\u0259 kredit x\u0259tti t\u0259klif edirdil\u0259r. N\u0259tic\u0259d\u0259 r\u0259smi maa\u015f\u0131 olan \u015f\u0259xsl\u0259r \u201cH\u0259yat\u0131n y\u0131\u011f\u0131m s\u0131\u011fortas\u0131\u201d m\u0259hsulundan istifad\u0259 etm\u0259kl\u0259 \u0259m\u0259khaqq\u0131n\u0131n \u0259sas hiss\u0259sind\u0259n\u00a050 \u00a0faiz\u00a0v\u0259 ya\u00a072\u00a0 faiz\u00a0(\u0259m\u0259khaqq\u0131dan as\u0131l\u0131 olaraq) qazanc v\u0259 a\u015fa\u011f\u0131 faizl\u0259 kredit x\u0259tti \u0259ld\u0259 edirdil\u0259r. Kredit x\u0259ttinin \u00fcst\u00fcnl\u00fcy\u00fc ondan ibar\u0259tdi ki, \u0259m\u0259khaqq\u0131n\u0131n \u0259sas hiss\u0259sinin s\u0131\u011fortaya \u00f6d\u0259m\u0259kl\u0259 g\u00fcz\u0259\u015ftl\u0259rd\u0259n daha \u00e7ox faydalanmaq imkan\u0131 il\u0259 yana\u015f\u0131, kredit borcunun v\u0259 kredit faizinin \u00f6d\u0259ni\u015f m\u00fcdd\u0259tinin sonunda y\u0131\u011f\u0131m hesab\u0131 vasit\u0259si il\u0259 qaytar\u0131l\u0131rd\u0131.<\/p>\n<p>Bu ilin yanvar\u0131ndan is\u0259 d\u00f6vl\u0259t sektorunda \u00e7al\u0131\u015fan i\u015f\u00e7il\u0259rin h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131na qo\u015fulmaqla ba\u011fl\u0131 g\u00fcz\u0259\u015ftl\u0259ri l\u0259\u011fv olundu. Bununla ba\u011fl\u0131 vergi v\u0259 sosial qanunvericilikd\u0259 m\u00fcvafiq d\u0259yi\u015fiklik edilib. Qeyd ed\u0259k ki, h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131na qo\u015fulan \u015f\u0259xs m\u00fcqavil\u0259 m\u00fcdd\u0259tinin sonunad\u0259k ya\u015fad\u0131\u011f\u0131 yaxud m\u00fcqavil\u0259 m\u00fcdd\u0259tind\u0259 v\u0259fat etdiyi halda toplanan s\u0131\u011forta \u00f6d\u0259ni\u015fi m\u00fcqavil\u0259d\u0259 g\u00f6st\u0259ril\u0259n \u015f\u0259xs\u0259 verilir. M\u00fcdd\u0259tin sonunda veril\u0259n s\u0131\u011forta \u00f6d\u0259ni\u015fi v\u0259 ayl\u0131q s\u0131\u011forta haqlar\u0131 g\u0259lir vergisind\u0259n azad idi. 2005-ci ild\u0259n qanunvericiliy\u0259 edil\u0259n d\u0259yi\u015fiklikl\u0259 i\u015f\u00e7inin \u0259m\u0259k haqq\u0131ndan 100 faiz h\u0259dd\u0259 s\u0131\u011forta haqq\u0131 y\u0131\u011f\u0131m s\u0131\u011fortas\u0131na y\u00f6n\u0259ldil\u0259 bil\u0259rdi. H\u0259min h\u0259dd is\u0259 tam h\u0259cmd\u0259 g\u0259lir vergisi v\u0259 m\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011forta haqq\u0131ndan azad edilmi\u015fdi. 2018-ci ild\u0259n etibar\u0259n bu h\u0259dd 50 faiz\u0259 endirilib. H\u0259r bir i\u015f\u00e7i minimum 3 il bitdikd\u0259n sonra m\u00fcvafiq vergi v\u0259 sosial s\u0131\u011forta haqq\u0131 g\u00fcz\u0259\u015ftl\u0259rini toplay\u0131b, bird\u0259f\u0259lik \u00f6d\u0259ni\u015f kimi \u0259ld\u0259 etm\u0259k iqtidar\u0131nda idi. 2025-ci ild\u0259n h\u0259yata ke\u00e7iril\u0259n d\u00fcz\u0259li\u015fl\u0259r\u0259 \u0259sas\u0259n d\u00f6vl\u0259t sektorunda \u00e7al\u0131\u015fan i\u015f\u00e7il\u0259rin \u0259m\u0259k haqq\u0131ndan y\u0131\u011f\u0131m s\u0131\u011fortas\u0131na y\u00f6n\u0259ldil\u0259n m\u0259bl\u0259\u011fl\u0259r \u00fczr\u0259 vergi v\u0259 m\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011forta haqq\u0131 g\u00fcz\u0259\u015ftl\u0259ri l\u0259\u011fv edilib. Bu zaman 2024-c\u00fc ilin dekabr ay\u0131ndan ba\u015flayaraq davam ed\u0259c\u0259k y\u0131\u011f\u0131m s\u0131\u011fortas\u0131 m\u00fcqavil\u0259l\u0259ri d\u0259 daxil olmaqla, 2025-ci ilin 1 yanvar tarixind\u0259n sonra 3 ili bit\u0259n\u0259d\u0259k h\u0259min m\u00fcqavil\u0259l\u0259r \u00fczr\u0259 m\u00fcv\u0259qq\u0259ti olaraq g\u00fcz\u0259\u015ftl\u0259r davam ed\u0259c\u0259k.<\/p>\n<p>Veril\u0259n m\u0259lumata g\u00f6r\u0259, bu add\u0131m\u0131n m\u0259qs\u0259di D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fonduna \u00f6d\u0259ni\u015fl\u0259rin art\u0131m\u0131na nail olmaqd\u0131r. Bel\u0259 ki, \u0259m\u0259k haqq\u0131n\u0131n h\u0259yat\u0131n y\u0131\u011f\u0131m s\u0131\u011fortas\u0131na y\u00f6n\u0259ldil\u0259n hiss\u0259si sosial \u00f6d\u0259ni\u015f v\u0259 vergid\u0259n azad olunurdu. Bu is\u0259 Fonda \u00f6d\u0259ni\u015fl\u0259rin azalmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131rd\u0131.<\/p>\n<p>Maraql\u0131d\u0131r ki, qeyri-r\u0259smi \u015f\u0259kild\u0259 d\u00f6vl\u0259t sektorunda \u00e7al\u0131\u015fanlar\u0131n h\u0259yat\u0131n y\u0131\u011f\u0131m s\u0131\u011fortas\u0131na qo\u015fulmas\u0131 qada\u011fan olunub. Dekabr ay\u0131ndan s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 bu bar\u0259d\u0259 bildiri\u015fl\u0259rin g\u0259ldiyi deyilir.<\/p>\n<p>\u201cXalq h\u0259yat\u201d s\u0131\u011forta \u015firk\u0259tinin sat\u0131\u015f idar\u0259sinin m\u00fcdiri \u015e\u0259hriyar M\u0259cidovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131nda z\u0259r\u0259rin olmas\u0131 m\u00fcbahis\u0259lidir: \u201cBu s\u0131\u011forta n\u00f6v\u00fc el\u0259dir ki, tutal\u0131m, 36 ay m\u00fcdd\u0259tind\u0259 s\u0131\u011fortaolunan s\u0131\u011forta haqq\u0131n\u0131 \u00f6d\u0259yir, sonda ona n\u0259z\u0259rd\u0259 tutulan \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7irilir. Z\u0259r\u0259r o zaman yarana bil\u0259r ki, h\u0259min \u015f\u0259xs m\u00fcqavil\u0259 m\u00fcdd\u0259ti bitm\u0259d\u0259n v\u0259fat etsin. Onda s\u0131\u011forta \u015firk\u0259ti b\u00fct\u00f6v m\u00fcdd\u0259t \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulan m\u0259bl\u0259\u011fi \u00f6d\u0259yir v\u0259 bu da olur z\u0259r\u0259r. Amma bu s\u0131\u011fortaya qo\u015fulanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti g\u0259nc ya\u015fl\u0131 insanlard\u0131r. Alt\u0131 ildir m\u0259n bu sah\u0259d\u0259y\u0259m, bir d\u0259f\u0259 d\u0259 olsun m\u00fc\u015ft\u0259rinin v\u0259fat\u0131 hal\u0131 il\u0259 qar\u015f\u0131la\u015fmam\u0131\u015fam. Bildiyiniz kimi, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131na ba\u011fl\u0131 a\u015fa\u011f\u0131 faizli kreditl\u0259rin verilm\u0259sinin dayand\u0131r\u0131lmas\u0131 q\u0259rar\u0131 2024-c\u00fc ilin sentyabr\u0131ndan q\u00fcvv\u0259y\u0259 mindi. Q\u0259rarla ba\u011fl\u0131 m\u0259lumat 2023-c\u00fc ild\u0259 a\u00e7\u0131qland\u0131\u011f\u0131na g\u00f6r\u0259 \u00e7oxsayl\u0131 insanlar s\u0131\u011fortaya qo\u015fulma\u011fa \u00e7al\u0131\u015fd\u0131lar. Bel\u0259likl\u0259, \u00f6t\u0259n ilin ikinci yar\u0131s\u0131nda yeni m\u00fcqavil\u0259l\u0259rin say\u0131nda k\u0259skin azalma qeyd\u0259 al\u0131nd\u0131. Eyni zamanda 3 il \u0259vv\u0259l ba\u011flanan m\u00fcqavil\u0259l\u0259r \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin vaxt\u0131 g\u0259lib \u00e7atd\u0131. \u00d6d\u0259ni\u015fl\u0259rin art\u0131m\u0131 3 il \u0259vv\u0259l ba\u011flanan m\u00fcqavil\u0259l\u0259rin say\u0131n\u0131n \u00e7ox olmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r\u201d.<\/p>\n<p><strong>M\u00fct\u0259x\u0259ssis bildirir ki, bu ild\u0259n h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131na qo\u015fulanlar\u0131n say\u0131nda azalma daha k\u0259skin olacaq:<\/strong>\u00a0\u201cBildiyiniz kimi, d\u00f6vl\u0259t sektorunda i\u015fl\u0259y\u0259nl\u0259rin bu s\u0131\u011forta \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ftl\u0259ri l\u0259\u011fv olunur. G\u00fcz\u0259\u015ftl\u0259r olmadan insanlarda maraq \u00e7ox az olacaq. Yaln\u0131z \u00f6z\u0259l sektor \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ftl\u0259r qal\u0131r. H\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fc\u00e7\u00fcn \u0259m\u0259k haqq\u0131ndan tutulmalar d\u00f6vl\u0259t sektorunda \u00e7ox, \u00f6z\u0259l sektorda azd\u0131r. C\u0259nab Prezidentin t\u0259\u015f\u0259bb\u00fcs\u00fc il\u0259 \u00f6z\u0259l sektorda \u0259m\u0259k haqlar\u0131 7 il m\u00fcdd\u0259tind\u0259 14 faiz g\u0259lir vergisind\u0259n azadd\u0131r, amma d\u00f6vl\u0259t sektorunda bu azadolma yoxdur. Buna g\u00f6r\u0259 d\u0259 d\u00f6vl\u0259t sektorunda \u0259m\u0259k haqq\u0131n\u0131n 39 faizi, \u00f6z\u0259ld\u0259 is\u0259 25 faizi sosial v\u0259 vergi \u00f6d\u0259ni\u015fl\u0259rin\u0259 gedir. Bu \u015f\u0259raitd\u0259 ayd\u0131nd\u0131r ki, d\u00f6vl\u0259t sektorunda \u00e7al\u0131\u015fanlar bu s\u0131\u011fortadan daha \u00e7ox g\u0259lir \u0259ld\u0259 edirl\u0259r, n\u0259inki \u00f6z\u0259ld\u0259. \u0130ndi d\u00f6vl\u0259td\u0259 \u00e7al\u0131\u015fanlar \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ft l\u0259\u011fv olunub dey\u0259 daha c\u0259lbediciliyi qalm\u0131r. \u00d6z\u0259l\u0259 g\u0259linc\u0259, orada \u0259m\u0259k haqq\u0131n\u0131n m\u0259bl\u0259\u011fi d\u0259 el\u0259 y\u00fcks\u0259k deyil. Bu sektorda i\u015fl\u0259yib min manat maa\u015f alan \u015f\u0259xs maa\u015f\u0131n\u0131n yar\u0131s\u0131n\u0131 s\u0131\u011fortaya y\u00f6n\u0259ld\u0259 bilmir, \u00e7\u00fcnki qalan pulla x\u0259rcl\u0259ri qar\u015f\u0131lamaq m\u00fcmk\u00fcn deyil. Bunu yaln\u0131z 3 min manat v\u0259 daha yuxar\u0131 \u0259m\u0259k haqq\u0131 alanlar ed\u0259 bil\u0259c\u0259kl\u0259r\u201d.<\/p>\n<p><strong>\u015e.M\u0259cidovun fikrinc\u0259, son 3 ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131na qo\u015fulmalar\u0131n say\u0131 \u00e7ox oldu\u011funa g\u00f6r\u0259 yax\u0131n 2 ild\u0259 bu n\u00f6v \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r d\u0259 y\u00fcks\u0259l\u0259c\u0259k:<\/strong>\u00a0\u201cYeni m\u00fcqavil\u0259l\u0259rin azalmas\u0131 2024-c\u00fc ilin 3-c\u00fc r\u00fcb\u00fcnd\u0259n ba\u015flay\u0131b. Bu il y\u0259qin ki, daha k\u0259skin azalma olacaq. K\u00fctl\u0259vi ax\u0131n\u0131n oldu\u011fu son 3 ild\u0259 ba\u011flanan m\u00fcqavil\u0259l\u0259rin m\u00fcdd\u0259ti is\u0259 2027-ci il\u0259d\u0259k bit\u0259c\u0259k. Buna g\u00f6r\u0259 d\u0259 \u00f6d\u0259ni\u015fl\u0259r \u00e7ox olacaq\u201d.<\/p>\n<p>Onu da qeyd ed\u0259k ki, d\u00fcnyada i\u015fl\u0259y\u0259n \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn annuitet s\u0131\u011forta adl\u0131 \u0259lveri\u015fli s\u0131\u011forta n\u00f6v\u00fc t\u0259tbiq olunur Ad\u0259t\u0259n bu s\u0131\u011forta n\u00f6v\u00fcnd\u0259n orta ya\u015fl\u0131 insanlar daha \u00e7ox istifad\u0259 edirl\u0259r. Mahiyy\u0259ti budur ki, insan s\u0131\u011forta \u015firk\u0259tin\u0259 h\u0259yat s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 bird\u0259f\u0259lik v\u0259 ya hiss\u0259li \u015f\u0259kild\u0259 m\u0259bl\u0259\u011f \u00f6d\u0259yir v\u0259 daha sonra s\u0131\u011forta\u00e7\u0131 m\u00fct\u0259madi olaraq s\u0131\u011fortal\u0131ya \u00f6d\u0259ni\u015fl\u0259r edir. Bu \u00f6d\u0259ni\u015fl\u0259r h\u0259min \u015f\u0259xs\u0259 bir ne\u00e7\u0259 il \u0259rzind\u0259, h\u0259tta m\u00fcdd\u0259tsiz \u015f\u0259kild\u0259, y\u0259ni v\u0259fat ed\u0259n\u0259 q\u0259d\u0259r \u00f6d\u0259nil\u0259 bil\u0259r. Bel\u0259 m\u00fcqavil\u0259l\u0259r i\u015f\u00e7il\u0259r, i\u015f\u0259g\u00f6t\u00fcr\u0259n \u015firk\u0259t v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri aras\u0131nda da imzalana bil\u0259r Bu zaman i\u015f\u0259g\u00f6t\u00fcr\u0259n \u2013 y\u0259ni i\u015f yeri h\u0259r ay i\u015f\u00e7inin \u0259m\u0259khaqq\u0131ndan m\u00fcvafiq s\u0131\u011forta haqq\u0131n\u0131 s\u0131\u011forta \u015firk\u0259tin\u0259 k\u00f6\u00e7\u00fcr\u00fcr. H\u0259min i\u015f\u00e7i \u00f6z \u0259m\u0259k qabiliyy\u0259tini itir\u0259rs\u0259, ona s\u0131\u011forta \u00f6d\u0259ni\u015fi edilir. Annuitet s\u0131\u011fortada \u00f6d\u0259ni\u015fl\u0259r bird\u0259f\u0259lik deyil, periodik v\u0259 \u0259ks\u0259r hallarda ayl\u0131q olur. S\u0131\u011forta \u015firk\u0259ti m\u0259bl\u0259\u011fi i\u015f\u0259g\u00f6t\u00fcr\u0259n \u015firk\u0259tin hesab\u0131na ke\u00e7irir v\u0259 i\u015f\u00e7i h\u0259r ay ke\u00e7mi\u015f i\u015f yerind\u0259n s\u0131\u011forta m\u00fcavin\u0259ti al\u0131r. \u018fg\u0259r s\u0131\u011fortal\u0131 v\u0259fat ed\u0259rs\u0259, onda m\u00fcavin\u0259tl\u0259ri onun ail\u0259 \u00fczvl\u0259ri v\u0259 ya varisl\u0259ri \u0259ld\u0259 edir. \u018fg\u0259r v\u0259fat ed\u0259n \u015f\u0259xsin he\u00e7 bir ail\u0259 \u00fczv\u00fc v\u0259 ya varisi yoxdursa, onda s\u0131\u011forta m\u00fcavin\u0259tl\u0259ri yaln\u0131z d\u0259fn x\u0259rcl\u0259rini qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn ayr\u0131l\u0131r.<\/p>\n<p><strong>\u015e.M\u0259cidovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, Az\u0259rbaycanda da annuitet s\u0131\u011forta n\u00f6v\u00fc qanunvericilikd\u0259 n\u0259z\u0259rd\u0259 tutulur:<\/strong>\u00a0\u201cBu n\u00f6v s\u0131\u011forta qanunda n\u0259z\u0259rd\u0259 tutulub, lakin h\u0259l\u0259 sat\u0131\u015fa \u00e7\u0131xar\u0131lmay\u0131b. Vaxtil\u0259 Sovet d\u00f6vr\u00fcnd\u0259 bunu t\u0259tbiq edirdil\u0259r. Ad\u0259t\u0259n, valideynl\u0259r \u00f6vladlar\u0131 \u00fc\u00e7\u00fcn edirdil\u0259r bunu. \u0130ndi Avropada, T\u00fcrkiy\u0259d\u0259 geni\u015f t\u0259tbiq olunur. T\u00fcrkiy\u0259d\u0259 buna \u0259m\u0259kli s\u0131\u011fortas\u0131 deyirl\u0259r. Bizd\u0259 g\u00f6zl\u0259yirik ki, bu m\u0259hsuldan n\u0259 vaxt istifad\u0259 ed\u0259 bil\u0259c\u0259yik. Fikrimc\u0259, t\u0259tbiq edils\u0259, ona maraq y\u00fcks\u0259k olacaq\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda 2024-c\u00fc il \u0259rzind\u0259\u00a0h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259 y\u0131\u011f\u0131mlar v\u0259 \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi a\u00e7\u0131qlan\u0131b. M\u0259rk\u0259zi Bank\u0131n hesabat\u0131ndan ayd\u0131n olur ki, 2024-c\u00fc ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 y\u0131\u011f\u0131mlar\u0131\u00a0599 milyon 197 min min manat\u00a0t\u0259\u015fkil edib. \u00a0Bu, 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259\u00a094 milyon 205 min\u00a0manat v\u0259 ya 19 faiz\u00a0\u00e7oxdur. Xat\u0131rladaq ki, 2023-c\u00fc ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259\u00a0504 milyon 993 min manat\u00a0s\u0131\u011forta haqq\u0131 toplan\u0131b. \u00d6t\u0259n il h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri\u00a0477 milyon 155 min manat\u00a0t\u0259\u015fkil edib. Bu is\u0259 illik m\u00fcqayis\u0259d\u0259\u00a0181 milyon 603 min manat v\u0259 ya 62 faiz\u00a0\u00e7oxdur \u2013 2023-c\u00fc ild\u0259\u00a0292 milyon 552 min manat\u00a0s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7irilmi\u015fdi.&hellip;<\/p>\n","protected":false},"author":2,"featured_media":786417,"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\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51.jpg",850,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51.jpg",850,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51.jpg",850,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51-621x365.jpg",621,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51-840x494.jpg",640,376,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51.jpg",850,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51.jpg",850,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/19790ff047c770f1f40fcf90e2f0bb51.jpg",850,500,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":"Az\u0259rbaycanda 2024-c\u00fc il \u0259rzind\u0259\u00a0h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259 y\u0131\u011f\u0131mlar v\u0259 \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi a\u00e7\u0131qlan\u0131b. M\u0259rk\u0259zi Bank\u0131n hesabat\u0131ndan ayd\u0131n olur ki, 2024-c\u00fc ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 y\u0131\u011f\u0131mlar\u0131\u00a0599 milyon 197 min min manat\u00a0t\u0259\u015fkil edib. \u00a0Bu, 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259\u00a094 milyon 205 min\u00a0manat v\u0259 ya 19 faiz\u00a0\u00e7oxdur. Xat\u0131rladaq ki, 2023-c\u00fc ild\u0259 h\u0259yat\u0131n ya\u015fam s\u0131\u011fortas\u0131 \u00fczr\u0259\u00a0504 milyon 993 min manat\u00a0s\u0131\u011forta haqq\u0131 toplan\u0131b.&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/786416"}],"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=786416"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/786416\/revisions"}],"predecessor-version":[{"id":786418,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/786416\/revisions\/786418"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/786417"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=786416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=786416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=786416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}