Banklardan kredit ala bilm\u0259y\u0259n bir \u00e7ox insan \u00fcmidini lombardlara ba\u011flay\u0131r. Ziyn\u0259t \u0259\u015fyalar\u0131n\u0131 girov qoyaraq pul \u0259ld\u0259 etm\u0259k son \u00e7ar\u0259 olur.<\/p>\n
B\u0259s girov qoyulan \u0259\u015fya z\u0259r\u0259r g\u00f6r\u0259rs\u0259, v\u0259 ya it\u0259rs\u0259 buna g\u00f6r\u0259 kim m\u0259suliyy\u0259t da\u015f\u0131y\u0131r?<\/strong><\/p>\n M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 v\u0259kil R\u0259\u015fad \u018fliyev Milli.az-a bildirib ki, \u0259g\u0259r girov qoyulan \u0259\u015fya it\u0259rs\u0259 v\u0259 ya z\u0259r\u0259r g\u00f6r\u0259rs\u0259, bu halda m\u0259suliyy\u0259ti lombard da\u015f\u0131y\u0131r.<\/p>\n “V\u0259t\u0259nda\u015f bununla ba\u011fl\u0131 m\u00fclki qaydada m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t ed\u0259 bil\u0259r, \u0259g\u0259r o\u011furlanma hal\u0131 varsa is\u0259 h\u00fcquq-m\u00fchafiz\u0259 orqanlar\u0131na m\u00fcraci\u0259t ed\u0259 bil\u0259r. \u018fg\u0259r ehtiyats\u0131zl\u0131qdan \u0259\u015fya itibs\u0259, bu halda qar\u015f\u0131l\u0131ql\u0131 d\u0259y\u0259ri lombard qar\u015f\u0131lanmal\u0131d\u0131r.<\/p>\n M\u00fclki m\u0259c\u0259ll\u0259nin 302-ci madd\u0259sin\u0259 \u0259sas\u0259n, lombard krediti yaln\u0131z banklar v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7iril\u0259 bil\u0259r. Bu proses \u0259sas\u0131nda t\u0259r\u0259fl\u0259r aras\u0131nda m\u00fctl\u0259q m\u00fcqavil\u0259 imzalan\u0131r. Lombard\u0131n girov qoyulmu\u015f \u0259\u015fyan\u0131 istifad\u0259 etm\u0259k v\u0259 ya ona dair s\u0259r\u0259ncam verm\u0259k ixtiyar\u0131 yoxdur. \u018f\u015fyan\u0131n lombardda girovu il\u0259 t\u0259min edilmi\u015f kredit m\u0259bl\u0259\u011fi qaytar\u0131lmad\u0131qda lombard onu sata bil\u0259r”.<\/p>\n Qeyd ed\u0259k ki, lombard f\u0259aliyy\u0259ti qanunvericilikl\u0259 t\u0259nziml\u0259nir. Bu s\u0259b\u0259bd\u0259n v\u0259t\u0259nda\u015f lombard xidm\u0259tl\u0259rind\u0259n istifad\u0259 ed\u0259rk\u0259n ilk n\u00f6vb\u0259d\u0259 h\u0259min t\u0259\u015fkilat\u0131n lisenziyas\u0131n\u0131n olub-olmamas\u0131n\u0131 yoxlamal\u0131d\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":" Banklardan kredit ala bilm\u0259y\u0259n bir \u00e7ox insan \u00fcmidini lombardlara ba\u011flay\u0131r. Ziyn\u0259t \u0259\u015fyalar\u0131n\u0131 girov qoyaraq pul \u0259ld\u0259 etm\u0259k son \u00e7ar\u0259 olur. B\u0259s girov qoyulan \u0259\u015fya z\u0259r\u0259r g\u00f6r\u0259rs\u0259, v\u0259 ya it\u0259rs\u0259 buna g\u00f6r\u0259 kim m\u0259suliyy\u0259t da\u015f\u0131y\u0131r? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 v\u0259kil R\u0259\u015fad \u018fliyev Milli.az-a bildirib ki, \u0259g\u0259r girov qoyulan \u0259\u015fya it\u0259rs\u0259 v\u0259 ya z\u0259r\u0259r g\u00f6r\u0259rs\u0259, bu halda m\u0259suliyy\u0259ti lombard da\u015f\u0131y\u0131r. “V\u0259t\u0259nda\u015f bununla ba\u011fl\u0131 m\u00fclki qaydada m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t ed\u0259 bil\u0259r, \u0259g\u0259r o\u011furlanma hal\u0131 varsa is\u0259 h\u00fcquq-m\u00fchafiz\u0259 orqanlar\u0131na m\u00fcraci\u0259t ed\u0259 bil\u0259r. \u018fg\u0259r ehtiyats\u0131zl\u0131qdan \u0259\u015fya itibs\u0259, bu halda qar\u015f\u0131l\u0131ql\u0131 d\u0259y\u0259ri lombard qar\u015f\u0131lanmal\u0131d\u0131r. M\u00fclki m\u0259c\u0259ll\u0259nin 302-ci madd\u0259sin\u0259…<\/p>\n","protected":false},"author":2,"featured_media":798828,"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\/04\/c7276dd974da024c2a7c55095d855e8f.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/c7276dd974da024c2a7c55095d855e8f.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":"Banklardan kredit ala bilm\u0259y\u0259n bir \u00e7ox insan \u00fcmidini lombardlara ba\u011flay\u0131r. Ziyn\u0259t \u0259\u015fyalar\u0131n\u0131 girov qoyaraq pul \u0259ld\u0259 etm\u0259k son \u00e7ar\u0259 olur. B\u0259s girov qoyulan \u0259\u015fya z\u0259r\u0259r g\u00f6r\u0259rs\u0259, v\u0259 ya it\u0259rs\u0259 buna g\u00f6r\u0259 kim m\u0259suliyy\u0259t da\u015f\u0131y\u0131r? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 v\u0259kil R\u0259\u015fad \u018fliyev Milli.az-a bildirib ki, \u0259g\u0259r girov qoyulan \u0259\u015fya it\u0259rs\u0259 v\u0259 ya z\u0259r\u0259r g\u00f6r\u0259rs\u0259, bu halda m\u0259suliyy\u0259ti…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/798827"}],"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=798827"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/798827\/revisions"}],"predecessor-version":[{"id":798829,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/798827\/revisions\/798829"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/798828"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=798827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=798827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=798827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}