{"id":788760,"date":"2025-02-19T18:02:25","date_gmt":"2025-02-19T14:02:25","guid":{"rendered":"https:\/\/arantv.az\/?p=788760"},"modified":"2025-02-19T18:02:25","modified_gmt":"2025-02-19T14:02:25","slug":"krediti-olan-s%c9%99xsl%c9%99rin-diqq%c9%99tin%c9%99-maasinizi-bu-cur-t%c9%99nziml%c9%99s%c9%99niz","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=788760","title":{"rendered":"Krediti olan \u015f\u0259xsl\u0259rin D\u0130QQ\u018fT\u0130N\u018f! Maa\u015f\u0131n\u0131z\u0131 bu c\u00fcr t\u0259nziml\u0259s\u0259niz…"},"content":{"rendered":"

G\u00fcn\u00fcm\u00fczd\u0259 bir \u00e7ox insan kredit \u00f6hd\u0259likl\u0259ri il\u0259 ya\u015fay\u0131r v\u0259 bu, maliyy\u0259 idar\u0259\u00e7iliyini daha da vacib edir. Maa\u015f\u0131n d\u00fczg\u00fcn b\u00f6l\u00fcnm\u0259m\u0259si kredit \u00f6d\u0259m\u0259l\u0259rind\u0259 \u00e7\u0259tinlikl\u0259r yarada, \u0259lav\u0259 faizl\u0259r v\u0259 borc y\u00fck\u00fcn\u00fcn artmas\u0131na s\u0259b\u0259b ola bil\u0259r. B\u0259s krediti olan \u015f\u0259xsl\u0259r maa\u015flar\u0131n\u0131 nec\u0259 d\u00fczg\u00fcn t\u0259nziml\u0259y\u0259 bil\u0259rl\u0259r?<\/strong><\/p>\n

1. B\u00fcdc\u0259 plan\u0131 haz\u0131rlay\u0131n<\/strong><\/p>\n

\u018fvv\u0259lc\u0259 ayl\u0131q g\u0259lirinizi v\u0259 x\u0259rcl\u0259rinizi siyah\u0131ya al\u0131n. \u018fsas prioritetl\u0259riniz \u2013 kredit \u00f6d\u0259ni\u015fl\u0259ri, kiray\u0259, kommunal x\u0259rcl\u0259r v\u0259 g\u00fcnd\u0259lik t\u0259l\u0259batlar olmal\u0131d\u0131r. Maa\u015f daxil olan kimi bu x\u0259rcl\u0259r \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011fi ay\u0131rmaq vacibdir.<\/p>\n

2. Kredit \u00f6d\u0259ni\u015fl\u0259rini gecikdirm\u0259yin<\/strong><\/p>\n

\u00d6d\u0259ni\u015fl\u0259ri vaxt\u0131nda etm\u0259k \u00fc\u00e7\u00fcn maa\u015f daxil olan kimi kredit \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulmu\u015f m\u0259bl\u0259\u011fi ay\u0131r\u0131n. Gecik\u0259n \u00f6d\u0259ni\u015fl\u0259r faizl\u0259rin artmas\u0131na v\u0259 \u0259lav\u0259 c\u0259rim\u0259l\u0259r\u0259 s\u0259b\u0259b ola bil\u0259r. \u018fg\u0259r \u00e7\u0259tinlik \u00e7\u0259kirsinizs\u0259, banka m\u00fcraci\u0259t edib \u00f6d\u0259ni\u015f m\u00fcdd\u0259tinin uzad\u0131lmas\u0131n\u0131 v\u0259 ya \u015f\u0259rtl\u0259rin d\u0259yi\u015fdirilm\u0259sini m\u00fczakir\u0259 ed\u0259 bil\u0259rsiniz.<\/p>\n

3. Z\u0259ruri olmayan x\u0259rcl\u0259ri azald\u0131n<\/strong><\/p>\n

G\u00fcnd\u0259lik x\u0259rcl\u0259rinizi n\u0259z\u0259rd\u0259n ke\u00e7irin v\u0259 prioritet olmayan sah\u0259l\u0259rd\u0259 q\u0259na\u0259t etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131n. Kofe, tez-tez restoran v\u0259 ya laz\u0131ms\u0131z al\u0131\u015f-veri\u015fl\u0259r kimi ki\u00e7ik x\u0259rcl\u0259ri azaltmaqla, h\u0259r ay \u0259lav\u0259 m\u0259bl\u0259\u011f q\u0259na\u0259t ed\u0259 bil\u0259rsiniz.<\/p>\n

4. “50\/30\/20” qaydas\u0131ndan istifad\u0259 edin<\/strong><\/p>\n

Bu maliyy\u0259 idar\u0259etm\u0259 metodu il\u0259 maa\u015f\u0131n\u0131z\u0131 a\u015fa\u011f\u0131dak\u0131 kimi b\u00f6l\u0259 bil\u0259rsiniz:<\/p>\n

50% \u2013 \u018fsas ehtiyaclara (kredit \u00f6d\u0259ni\u015fl\u0259ri, kommunal x\u0259rcl\u0259r, \u0259rzaq v\u0259 s.)<\/p>\n

30% \u2013 \u015e\u0259xsi v\u0259 \u0259lav\u0259 x\u0259rcl\u0259r\u0259 (\u0259yl\u0259nc\u0259, al\u0131\u015f-veri\u015f v\u0259 s.)<\/p>\n

20% \u2013 Y\u0131\u011f\u0131m v\u0259 ya borc \u00f6d\u0259ni\u015fl\u0259rinin s\u00fcr\u0259tl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn.<\/p>\n

5. \u018flav\u0259 g\u0259lir m\u0259nb\u0259l\u0259ri axtar\u0131n<\/strong><\/p>\n

\u018fg\u0259r maa\u015f\u0131n\u0131z \u00f6hd\u0259likl\u0259rinizi qar\u015f\u0131lama\u011fa yetmirs\u0259, \u0259lav\u0259 g\u0259lir m\u0259nb\u0259l\u0259ri tapma\u011fa \u00e7al\u0131\u015f\u0131n. Freelancer i\u015fl\u0259ri, ki\u00e7ik biznes v\u0259 ya dig\u0259r g\u0259lir imkanlar\u0131 kreditl\u0259rinizi daha rahat \u00f6d\u0259m\u0259y\u0259 k\u00f6m\u0259k ed\u0259 bil\u0259r.<\/p>\n

6. Kreditl\u0259rinizi birl\u0259\u015fdirin v\u0259 yenid\u0259n d\u0259y\u0259rl\u0259ndirin<\/strong><\/p>\n

\u018fg\u0259r bir ne\u00e7\u0259 kreditiniz varsa, onlar\u0131 birl\u0259\u015fdir\u0259r\u0259k daha a\u015fa\u011f\u0131 faiz d\u0259r\u0259c\u0259si il\u0259 \u00f6d\u0259m\u0259k m\u00fcmk\u00fcnd\u00fcr. Bunun \u00fc\u00e7\u00fcn banklarla \u0259laq\u0259 saxlayaraq kredit konsolidasiyas\u0131 imkanlar\u0131n\u0131 ara\u015fd\u0131ra bil\u0259rsiniz.<\/p>\n

7. G\u0259l\u0259c\u0259k \u00fc\u00e7\u00fcn ehtiyat fond yarad\u0131n<\/strong><\/p>\n

Maa\u015f\u0131n\u0131zdan h\u0259r ay m\u00fc\u0259yy\u0259n bir m\u0259bl\u0259\u011fi y\u0131\u011f\u0131b ehtiyat fond yaratmaq, g\u00f6zl\u0259nilm\u0259z x\u0259rcl\u0259r v\u0259 kredit \u00f6d\u0259ni\u015fl\u0259rind\u0259 gecikm\u0259l\u0259rin qar\u015f\u0131s\u0131n\u0131 alma\u011fa k\u00f6m\u0259k ed\u0259c\u0259k.<\/p>\n

Maa\u015f\u0131n d\u00fczg\u00fcn idar\u0259 olunmas\u0131 kredit borcunun daha rahat \u00f6d\u0259nilm\u0259sini t\u0259min edir. B\u00fcdc\u0259 planlamas\u0131, q\u0259na\u0259t v\u0259rdi\u015fl\u0259ri v\u0259 \u0259lav\u0259 g\u0259lir imkanlar\u0131 il\u0259 maliyy\u0259 azadl\u0131\u011f\u0131n\u0131z\u0131 qorumaq m\u00fcmk\u00fcnd\u00fcr. \u018fsas m\u0259qs\u0259d, borcun sizi idar\u0259 etm\u0259sin\u0259 imkan verm\u0259d\u0259n, onu d\u00fczg\u00fcn \u015f\u0259kild\u0259 t\u0259nziml\u0259m\u0259kdir.\/BAKU.WS<\/p>\n","protected":false},"excerpt":{"rendered":"

G\u00fcn\u00fcm\u00fczd\u0259 bir \u00e7ox insan kredit \u00f6hd\u0259likl\u0259ri il\u0259 ya\u015fay\u0131r v\u0259 bu, maliyy\u0259 idar\u0259\u00e7iliyini daha da vacib edir. Maa\u015f\u0131n d\u00fczg\u00fcn b\u00f6l\u00fcnm\u0259m\u0259si kredit \u00f6d\u0259m\u0259l\u0259rind\u0259 \u00e7\u0259tinlikl\u0259r yarada, \u0259lav\u0259 faizl\u0259r v\u0259 borc y\u00fck\u00fcn\u00fcn artmas\u0131na s\u0259b\u0259b ola bil\u0259r. B\u0259s krediti olan \u015f\u0259xsl\u0259r maa\u015flar\u0131n\u0131 nec\u0259 d\u00fczg\u00fcn t\u0259nziml\u0259y\u0259 bil\u0259rl\u0259r? 1. B\u00fcdc\u0259 plan\u0131 haz\u0131rlay\u0131n \u018fvv\u0259lc\u0259 ayl\u0131q g\u0259lirinizi v\u0259 x\u0259rcl\u0259rinizi siyah\u0131ya al\u0131n. \u018fsas prioritetl\u0259riniz \u2013 kredit \u00f6d\u0259ni\u015fl\u0259ri, kiray\u0259, kommunal x\u0259rcl\u0259r v\u0259 g\u00fcnd\u0259lik t\u0259l\u0259batlar olmal\u0131d\u0131r. Maa\u015f daxil olan kimi bu x\u0259rcl\u0259r \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011fi ay\u0131rmaq vacibdir. 2. Kredit \u00f6d\u0259ni\u015fl\u0259rini gecikdirm\u0259yin \u00d6d\u0259ni\u015fl\u0259ri vaxt\u0131nda etm\u0259k \u00fc\u00e7\u00fcn maa\u015f daxil olan kimi kredit \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259…<\/p>\n","protected":false},"author":2,"featured_media":788761,"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":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d.jpg",750,422,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d.jpg",750,422,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d.jpg",750,422,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d-649x365.jpg",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d.jpg",750,422,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d.jpg",750,422,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/0188db491be28dc7be8242445c82556d.jpg",750,422,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"G\u00fcn\u00fcm\u00fczd\u0259 bir \u00e7ox insan kredit \u00f6hd\u0259likl\u0259ri il\u0259 ya\u015fay\u0131r v\u0259 bu, maliyy\u0259 idar\u0259\u00e7iliyini daha da vacib edir. Maa\u015f\u0131n d\u00fczg\u00fcn b\u00f6l\u00fcnm\u0259m\u0259si kredit \u00f6d\u0259m\u0259l\u0259rind\u0259 \u00e7\u0259tinlikl\u0259r yarada, \u0259lav\u0259 faizl\u0259r v\u0259 borc y\u00fck\u00fcn\u00fcn artmas\u0131na s\u0259b\u0259b ola bil\u0259r. B\u0259s krediti olan \u015f\u0259xsl\u0259r maa\u015flar\u0131n\u0131 nec\u0259 d\u00fczg\u00fcn t\u0259nziml\u0259y\u0259 bil\u0259rl\u0259r? 1. B\u00fcdc\u0259 plan\u0131 haz\u0131rlay\u0131n \u018fvv\u0259lc\u0259 ayl\u0131q g\u0259lirinizi v\u0259 x\u0259rcl\u0259rinizi siyah\u0131ya al\u0131n. \u018fsas prioritetl\u0259riniz \u2013…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/788760"}],"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=788760"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/788760\/revisions"}],"predecessor-version":[{"id":788762,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/788760\/revisions\/788762"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/788761"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=788760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=788760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=788760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}