Banklar kreditl\u0259rd\u0259n \u0259sas\u0259n faiz g\u0259liri \u0259ld\u0259 edirl\u0259r. Kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs borcunu vaxt\u0131ndan \u0259vv\u0259l tam \u00f6d\u0259dikd\u0259, bank h\u0259min kreditd\u0259n g\u00f6zl\u0259diyi faiz g\u0259lirinin bir hiss\u0259sini itirir. M\u0259s\u0259l\u0259n, kreditin m\u00fcdd\u0259ti 3 il n\u0259z\u0259rd\u0259 tutulubsa, bank h\u0259min m\u00fcdd\u0259t \u0259rzind\u0259 faiz g\u0259liri \u0259ld\u0259 ed\u0259c\u0259yini planla\u015fd\u0131r\u0131r. Lakin m\u00fc\u015ft\u0259ri borcunu vaxt\u0131ndan \u0259vv\u0259l qaytard\u0131qda, bank yaln\u0131z istifad\u0259 olunmu\u015f d\u00f6vr \u00fc\u00e7\u00fcn faiz al\u0131r v\u0259 g\u0259l\u0259c\u0259kd\u0259 qazanaca\u011f\u0131 m\u0259bl\u0259\u011fi itirmi\u015f olur.<\/p>\n
Bundan \u0259lav\u0259, bank h\u0259min v\u0259saiti ba\u015fqa bir kredit \u015f\u0259klind\u0259 yerl\u0259\u015fdirm\u0259k \u00fc\u00e7\u00fcn yeni m\u00fc\u015ft\u0259ri tapana q\u0259d\u0259r m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 qazancs\u0131z qal\u0131r. Bu da onun likvidlik planlamas\u0131na t\u0259sir edir. B\u0259zi banklar buna g\u00f6r\u0259 vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259ni\u015f \u00fc\u00e7\u00fcn \u0259lav\u0259 komissiya t\u0259tbiq edirl\u0259r ki, itkil\u0259rini m\u00fc\u0259yy\u0259n q\u0259d\u0259r kompensasiya etsinl\u0259r.<\/p>\n
Krediti vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259m\u0259k \u0259sas\u0259n borc alan \u015f\u0259xs\u0259 s\u0259rf edir, \u00e7\u00fcnki bu halda faiz y\u00fck\u00fc azal\u0131r v\u0259 \u00fcmumi borc m\u0259bl\u0259\u011fi daha az olur. X\u00fcsusil\u0259 y\u00fcks\u0259k faizli kreditl\u0259rd\u0259 vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259ni\u015f etm\u0259k, uzunm\u00fcdd\u0259tli faiz x\u0259rcl\u0259rind\u0259n qurtulma\u011fa imkan verir.<\/p>\n
Bundan \u0259lav\u0259, kredit tarix\u00e7\u0259sind\u0259 m\u00fcsb\u0259t qeyd kimi g\u00f6r\u00fcn\u0259 bil\u0259r v\u0259 g\u0259l\u0259c\u0259kd\u0259 yeni kreditl\u0259r g\u00f6t\u00fcr\u0259rk\u0259n daha s\u0259rf\u0259li \u015f\u0259rtl\u0259rl\u0259 t\u0259klif alma \u015fans\u0131n\u0131 art\u0131ra bil\u0259r. Kreditin vaxt\u0131ndan \u0259vv\u0259l ba\u011flanmas\u0131 borc alan \u015f\u0259xsin psixoloji rahatl\u0131\u011f\u0131n\u0131 da t\u0259min edir, \u00e7\u00fcnki \u0259lav\u0259 maliyy\u0259 \u00f6hd\u0259liyi qalm\u0131r.<\/p>\n
Ancaq burada banklar\u0131n b\u0259zi hallarda vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259ni\u015f \u00fc\u00e7\u00fcn komissiya t\u0259l\u0259b etdiyini n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r. \u018fg\u0259r bu komissiya faiz y\u00fck\u00fcnd\u0259n daha y\u00fcks\u0259kdirs\u0259, kreditin tez ba\u011flanmas\u0131 o q\u0259d\u0259r d\u0259 s\u0259rf\u0259li olmaya bil\u0259r.\/Milli.az\/<\/p>\n","protected":false},"excerpt":{"rendered":"
Banklar kreditl\u0259rd\u0259n \u0259sas\u0259n faiz g\u0259liri \u0259ld\u0259 edirl\u0259r. Kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs borcunu vaxt\u0131ndan \u0259vv\u0259l tam \u00f6d\u0259dikd\u0259, bank h\u0259min kreditd\u0259n g\u00f6zl\u0259diyi faiz g\u0259lirinin bir hiss\u0259sini itirir. M\u0259s\u0259l\u0259n, kreditin m\u00fcdd\u0259ti 3 il n\u0259z\u0259rd\u0259 tutulubsa, bank h\u0259min m\u00fcdd\u0259t \u0259rzind\u0259 faiz g\u0259liri \u0259ld\u0259 ed\u0259c\u0259yini planla\u015fd\u0131r\u0131r. Lakin m\u00fc\u015ft\u0259ri borcunu vaxt\u0131ndan \u0259vv\u0259l qaytard\u0131qda, bank yaln\u0131z istifad\u0259 olunmu\u015f d\u00f6vr \u00fc\u00e7\u00fcn faiz al\u0131r v\u0259 g\u0259l\u0259c\u0259kd\u0259 qazanaca\u011f\u0131 m\u0259bl\u0259\u011fi itirmi\u015f olur. Bundan \u0259lav\u0259, bank h\u0259min v\u0259saiti ba\u015fqa bir kredit \u015f\u0259klind\u0259 yerl\u0259\u015fdirm\u0259k \u00fc\u00e7\u00fcn yeni m\u00fc\u015ft\u0259ri tapana q\u0259d\u0259r m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 qazancs\u0131z qal\u0131r. Bu da onun likvidlik planlamas\u0131na t\u0259sir edir. B\u0259zi banklar buna…<\/p>\n","protected":false},"author":2,"featured_media":793669,"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\/03\/b36d45480609e5d202d4df2234666ea5.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/b36d45480609e5d202d4df2234666ea5.jpg",870,500,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":"Banklar kreditl\u0259rd\u0259n \u0259sas\u0259n faiz g\u0259liri \u0259ld\u0259 edirl\u0259r. Kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs borcunu vaxt\u0131ndan \u0259vv\u0259l tam \u00f6d\u0259dikd\u0259, bank h\u0259min kreditd\u0259n g\u00f6zl\u0259diyi faiz g\u0259lirinin bir hiss\u0259sini itirir. M\u0259s\u0259l\u0259n, kreditin m\u00fcdd\u0259ti 3 il n\u0259z\u0259rd\u0259 tutulubsa, bank h\u0259min m\u00fcdd\u0259t \u0259rzind\u0259 faiz g\u0259liri \u0259ld\u0259 ed\u0259c\u0259yini planla\u015fd\u0131r\u0131r. Lakin m\u00fc\u015ft\u0259ri borcunu vaxt\u0131ndan \u0259vv\u0259l qaytard\u0131qda, bank yaln\u0131z istifad\u0259 olunmu\u015f d\u00f6vr \u00fc\u00e7\u00fcn faiz al\u0131r v\u0259…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/793668"}],"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=793668"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/793668\/revisions"}],"predecessor-version":[{"id":793671,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/793668\/revisions\/793671"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/793669"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=793668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=793668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=793668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}