V\u0259t\u0259nda\u015f ill\u0259rl\u0259 i\u015fl\u0259yir v\u0259 bir g\u00fcn pensiya ya\u015f\u0131na \u00e7ataraq s\u0131\u011forta hesab\u0131nda y\u0131\u011f\u0131lan pensiya kapital\u0131ndan istifad\u0259 ed\u0259c\u0259yini g\u00f6zl\u0259yir. Lakin b\u0259z\u0259n tale el\u0259 g\u0259tirir ki, insan pensiya ya\u015f\u0131na \u00e7ata bilm\u0259d\u0259n d\u00fcnyadan k\u00f6\u00e7\u00fcr.<\/p>\n
D\u00f6vl\u0259t Statistika Komit\u0259sinin m\u0259lumatlar\u0131ndan da ayd\u0131n olur ki, bel\u0259 \u015f\u0259xsl\u0259rin say\u0131 az deyil.<\/p>\n
Son m\u0259lumata g\u00f6r\u0259, 2023-c\u00fc ild\u0259 d\u00fcnyas\u0131n\u0131 d\u0259yi\u015f\u0259nl\u0259rin 41,8 faizinin ya\u015f\u0131 65-d\u0259n az olub. Bu d\u00f6vrd\u0259 \u00f6l\u0259n ki\u015fil\u0259rin yar\u0131dan \u00e7oxu – 50,4 faizi ya\u015fa g\u00f6r\u0259 pensiya ya\u015f\u0131na (65 ya\u015f) \u00e7atmay\u0131blar.<\/p>\n
Maraql\u0131d\u0131r, bu halda pensiya kapital\u0131n\u0131n aqib\u0259ti nec\u0259 olur? H\u0259min puldan istifad\u0259 hans\u0131 hallarda m\u00fcmk\u00fcnd\u00fcr?<\/p>\n
Qanunvericiliy\u0259 g\u00f6r\u0259, \u015f\u0259xsin hesab\u0131nda toplanan pensiya kapital\u0131 o, d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdiyi halda, ail\u0259 \u00fczvl\u0259rinin sosial t\u0259minat\u0131 \u00fc\u00e7\u00fcn \u0259sas olaraq istifad\u0259 olunur. Bel\u0259 ki, v\u0259fat ed\u0259n \u015f\u0259xsin \u0259m\u0259k qabiliyy\u0259ti olmayan ail\u0259 \u00fczvl\u0259rinin h\u0259r birin\u0259 d\u00fc\u015f\u0259n ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 pensiyan\u0131n m\u0259bl\u0259\u011fi pensiya \u00f6d\u0259ni\u015fi m\u00fcdd\u0259tinin aylar\u0131, s\u0131\u011forta davamiyy\u0259ti \u0259msal\u0131 il\u0259 yana\u015f\u0131, pensiya kapital\u0131 \u0259sas\u0131nda da apar\u0131l\u0131r. Ail\u0259 \u00fczvl\u0259rin\u0259 d\u00fc\u015f\u0259n ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 pensiyas\u0131n\u0131n \u00fcmumi m\u0259bl\u0259\u011fi \u0259m\u0259k pensiyas\u0131n\u0131n minimum m\u0259bl\u0259\u011find\u0259n (320 manat) a\u015fa\u011f\u0131 olduqda, h\u0259min m\u0259bl\u0259\u011f\u0259 \u00e7atd\u0131r\u0131lmaqla \u00f6d\u0259nilir.<\/p>\n
Qeyd etm\u0259k laz\u0131md\u0131r ki, ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 pensiya ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131n \u00f6l\u00fcm g\u00fcn\u00fcn\u0259d\u0259k \u00fcmumi s\u0131\u011forta staj\u0131 (M\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011forta haqq\u0131 \u00f6d\u0259nil\u0259n \u0259m\u0259k f\u0259aliyy\u0259ti d\u00f6vrl\u0259rinin \u00fcmumi m\u00fcdd\u0259ti) 5 ild\u0259n az olmamaq \u015f\u0259rtil\u0259, \u0259m\u0259k qabiliyy\u0259tli ya\u015f d\u00f6vr\u00fcn\u00fcn h\u0259r tam ili \u00fc\u00e7\u00fcn 4 ay s\u0131\u011forta staj\u0131 olduqda t\u0259yin edilir.<\/p>\n
V\u0259fat etmi\u015f ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131n \u00f6hd\u0259sind\u0259 olan a\u015fa\u011f\u0131dak\u0131 ail\u0259 \u00fczvl\u0259rinin ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 h\u00fcququ var:<\/p>\n
-V\u0259fat etmi\u015f \u015f\u0259xsl\u0259rin \u00f6vladlar\u0131:<\/p>\n
– 18 ya\u015f\u0131na \u00e7atmam\u0131\u015f;<\/p>\n
– 18 ya\u015f\u0131na \u00e7atanad\u0259k \u0259lilliyi m\u00fc\u0259yy\u0259n olunmu\u015f 18 ya\u015f\u0131ndan yuxar\u0131 \u0259lilliyi olan \u015f\u0259xs;<\/p>\n
– t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259rinin \u0259yani \u015f\u00f6b\u0259sind\u0259 t\u0259hsil alanlar, lakin \u0259n \u00e7oxu 23 ya\u015f\u0131na \u00e7atanad\u0259k;<\/p>\n
– Ata, ana, \u0259r, arvad pensiya ya\u015f\u0131na \u00e7atm\u0131\u015fd\u0131rsa, yaxud orqanizmin funksiyalar\u0131n\u0131n 61-80 faiz v\u0259 ya 81-100 faiz pozulmas\u0131na g\u00f6r\u0259 \u0259lilliyi m\u00fc\u0259yy\u0259n edilmi\u015f \u015f\u0259xsdirs\u0259;<\/p>\n
– Ya\u015f\u0131ndan v\u0259 \u0259m\u0259k qabiliyy\u0259tind\u0259n as\u0131l\u0131 olmayaraq valideynl\u0259rd\u0259n biri v\u0259 ya \u0259r (arvad), yaxud baba, n\u0259n\u0259, qarda\u015f, bac\u0131 v\u0259fat etmi\u015f ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131n 8 ya\u015f\u0131na \u00e7atmam\u0131\u015f u\u015faqlar\u0131na, qarda\u015flar\u0131na, bac\u0131lar\u0131na, n\u0259v\u0259l\u0259rin\u0259 bax\u0131rsa v\u0259 i\u015fl\u0259mirs\u0259.<\/p>\n
Ail\u0259 \u00fczv\u00fcn\u0259 d\u00fc\u015f\u0259n pensiya m\u0259bl\u0259\u011fi d\u00f6vl\u0259t qulluq\u00e7ular\u0131na veril\u0259n \u00f6m\u00fcrl\u00fck, h\u0259m\u00e7inin \u0259lilliy\u0259 v\u0259 ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 sosial m\u00fcavin\u0259tl\u0259rin m\u0259bl\u0259\u011find\u0259n az olduqda, h\u0259min ail\u0259 \u00fczv\u00fcn\u00fcn qeyd olunan m\u00fcavin\u0259tl\u0259ri almaq h\u00fcququ oldu\u011fu halda, o, ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 pensiya \u0259v\u0259zin\u0259 m\u00fcvafiq sosial m\u00fcavin\u0259ti almaq h\u00fcququna malikdir.<\/p>\n
H\u0259m\u00e7inin v\u0259fat etmi\u015f ail\u0259 ba\u015f\u00e7\u0131s\u0131 ya\u015fa v\u0259 ya \u0259lilliy\u0259 g\u00f6r\u0259 pensiya\u00e7\u0131s\u0131 olubsa, ail\u0259 \u00fczvl\u0259ri \u00fc\u00e7\u00fcn ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 pensiyan\u0131n m\u0259bl\u0259\u011fi v\u0259fat ed\u0259nin pensiyas\u0131n\u0131n onun ail\u0259sinin \u0259m\u0259k qabiliyy\u0259tli olmayan \u00fczvl\u0259rinin say\u0131na nisb\u0259ti \u015f\u0259klind\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilir.\/Qafqazinfo.az\/<\/p>\n","protected":false},"excerpt":{"rendered":"
V\u0259t\u0259nda\u015f ill\u0259rl\u0259 i\u015fl\u0259yir v\u0259 bir g\u00fcn pensiya ya\u015f\u0131na \u00e7ataraq s\u0131\u011forta hesab\u0131nda y\u0131\u011f\u0131lan pensiya kapital\u0131ndan istifad\u0259 ed\u0259c\u0259yini g\u00f6zl\u0259yir. Lakin b\u0259z\u0259n tale el\u0259 g\u0259tirir ki, insan pensiya ya\u015f\u0131na \u00e7ata bilm\u0259d\u0259n d\u00fcnyadan k\u00f6\u00e7\u00fcr. D\u00f6vl\u0259t Statistika Komit\u0259sinin m\u0259lumatlar\u0131ndan da ayd\u0131n olur ki, bel\u0259 \u015f\u0259xsl\u0259rin say\u0131 az deyil. Son m\u0259lumata g\u00f6r\u0259, 2023-c\u00fc ild\u0259 d\u00fcnyas\u0131n\u0131 d\u0259yi\u015f\u0259nl\u0259rin 41,8 faizinin ya\u015f\u0131 65-d\u0259n az olub. Bu d\u00f6vrd\u0259 \u00f6l\u0259n ki\u015fil\u0259rin yar\u0131dan \u00e7oxu – 50,4 faizi ya\u015fa g\u00f6r\u0259 pensiya ya\u015f\u0131na (65 ya\u015f) \u00e7atmay\u0131blar. Maraql\u0131d\u0131r, bu halda pensiya kapital\u0131n\u0131n aqib\u0259ti nec\u0259 olur? H\u0259min puldan istifad\u0259 hans\u0131 hallarda m\u00fcmk\u00fcnd\u00fcr? Qanunvericiliy\u0259 g\u00f6r\u0259, \u015f\u0259xsin hesab\u0131nda…<\/p>\n","protected":false},"author":2,"featured_media":792391,"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\/03\/11b14c2175de9460130bc7126c0ca920.jpg",637,400,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920.jpg",637,400,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920.jpg",637,400,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920-581x365.jpg",581,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920.jpg",637,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920.jpg",637,400,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920.jpg",637,400,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/11b14c2175de9460130bc7126c0ca920.jpg",637,400,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":"V\u0259t\u0259nda\u015f ill\u0259rl\u0259 i\u015fl\u0259yir v\u0259 bir g\u00fcn pensiya ya\u015f\u0131na \u00e7ataraq s\u0131\u011forta hesab\u0131nda y\u0131\u011f\u0131lan pensiya kapital\u0131ndan istifad\u0259 ed\u0259c\u0259yini g\u00f6zl\u0259yir. Lakin b\u0259z\u0259n tale el\u0259 g\u0259tirir ki, insan pensiya ya\u015f\u0131na \u00e7ata bilm\u0259d\u0259n d\u00fcnyadan k\u00f6\u00e7\u00fcr. D\u00f6vl\u0259t Statistika Komit\u0259sinin m\u0259lumatlar\u0131ndan da ayd\u0131n olur ki, bel\u0259 \u015f\u0259xsl\u0259rin say\u0131 az deyil. Son m\u0259lumata g\u00f6r\u0259, 2023-c\u00fc ild\u0259 d\u00fcnyas\u0131n\u0131 d\u0259yi\u015f\u0259nl\u0259rin 41,8 faizinin ya\u015f\u0131 65-d\u0259n az…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792390"}],"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=792390"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792390\/revisions"}],"predecessor-version":[{"id":792392,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792390\/revisions\/792392"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/792391"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=792390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=792390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=792390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}