{"id":803909,"date":"2025-05-03T10:19:57","date_gmt":"2025-05-03T06:19:57","guid":{"rendered":"https:\/\/arantv.az\/?p=803909"},"modified":"2025-05-03T10:19:57","modified_gmt":"2025-05-03T06:19:57","slug":"kredit-borcu-az-olanlarla-bagli-g%c9%99lism%c9%99-olk%c9%99d%c9%99n-cixisa","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=803909","title":{"rendered":"Kredit borcu az olanlarla ba\u011fl\u0131 g\u0259li\u015fm\u0259 &#8211; \u00d6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015fa&#8230;"},"content":{"rendered":"<h3><strong>Natiq C\u0259f\u0259rli: \u201c\u0130cra strukturlar\u0131n\u0131n bel\u0259 qada\u011falar qoymas\u0131 do\u011fru deyil\u201d<\/strong><\/h3>\n<p><strong>\u201cM\u00fclki Prosessual M\u0259c\u0259ll\u0259nin 231-ci madd\u0259sind\u0259 borclu anlay\u0131\u015f\u0131 d\u0259qiql\u0259\u015fdirilir. Bununla yana\u015f\u0131, bu anlay\u0131\u015f\u0131n daha da d\u0259qiql\u0259\u015fdirilm\u0259si, o c\u00fcml\u0259d\u0259n fiziki v\u0259 h\u00fcquqi \u015f\u0259xsl\u0259r \u00fczr\u0259 meyarlar\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si m\u0259qs\u0259d\u0259uy\u011fun olard\u0131. Bel\u0259 ki, bir s\u0131ra \u00f6lk\u0259l\u0259rin qanunvericiliyind\u0259 oldu\u011fu kimi, fiziki \u015f\u0259xsl\u0259r \u00fczr\u0259 \u00f6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015f h\u00fcququnun m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 zaman\u0131 kredit borcu \u00fczr\u0259 limitl\u0259r t\u0259tbiq edil\u0259 v\u0259 s\u00f6z\u00fcged\u0259n m\u0259c\u0259ll\u0259d\u0259 \u00f6z \u0259ksini tapa bil\u0259r\u201d.\u00a0 Deputat V\u00fcqar Bayramov parlamentd\u0259 bel\u0259 deyib.<\/strong><\/p>\n<p>\u201cH\u0259m problemli kreditl\u0259rin, h\u0259m d\u0259 qeyri-i\u015fl\u0259k kreditl\u0259rin h\u0259cmind\u0259 art\u0131mlar var. Bu bax\u0131mdan, nisb\u0259t\u0259n az kredit borcu olan v\u0259t\u0259nda\u015flar\u0131m\u0131z \u00fc\u00e7\u00fcn qada\u011falar\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si t\u00f6vsiy\u0259 olunand\u0131r. M\u0259s\u0259l\u0259n, c\u0259mi 200 manatad\u0259k kredit borcu olan v\u0259t\u0259nda\u015flar\u0131n \u00f6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015f\u0131n\u0131n m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 problemli kreditl\u0259rin h\u0259cminin azalmas\u0131na s\u0259b\u0259b olmayacaq. \u018fksin\u0259, bu sah\u0259d\u0259 t\u0259\u015fviq ki\u00e7ik borclar\u0131n daha q\u0131sa zamanda qaytar\u0131lmas\u0131na s\u0259b\u0259b ola bil\u0259r. O bax\u0131mdan, 231-ci madd\u0259d\u0259 fiziki \u015f\u0259xs olan borclular \u00fczr\u0259 minimumlar\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sini t\u0259klif ed\u0259rdim\u201d, &#8211; deputat qeyd edib.<\/p>\n<p><strong>O, problemli kreditl\u0259rinin h\u0259cminin artd\u0131\u011f\u0131n\u0131 n\u0259z\u0259r\u0259 alaraq m\u00fczakir\u0259 edil\u0259n d\u0259yi\u015fiklikd\u0259 fiziki \u015f\u0259xsl\u0259r \u00fczr\u0259 t\u0259\u015fviq, h\u00fcquqi \u015f\u0259xsl\u0259r \u00fczr\u0259 is\u0259 inzibati meyarlar\u0131n dair\u0259sinin geni\u015fl\u0259ndirilm\u0259sini t\u0259klif edib:<\/strong>\u00a0\u201c\u0130cra haqq\u0131nda\u201d Qanunun 4-c\u00fc madd\u0259sind\u0259 is\u0259 \u201celektron pul t\u0259\u015fkilatlar\u0131\u201d s\u00f6zl\u0259ri il\u0259 yana\u015f\u0131, \u201cv\u0259 dig\u0259r \u00f6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131\u201d s\u00f6zl\u0259rinin \u0259lav\u0259 olunmas\u0131 t\u0259klif ed\u0259rdim. M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n 18\u00a0 t\u0259\u015fkilata elektron pul emissiyas\u0131 \u00fc\u00e7\u00fcn lisenziyalar verilib. \u201c\u00d6d\u0259ni\u015f xidm\u0259tl\u0259ri v\u0259 \u00f6d\u0259ni\u015f sisteml\u0259ri haqq\u0131nda\u201d Qanunun 48.1-ci madd\u0259sin\u0259 \u0259sas\u0259n \u00f6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131n\u0131n dair\u0259si daha da geni\u015fl\u0259n\u0259 bil\u0259r. Ox\u015far olaraq, h\u0259min qanunun 5, 23, 45, 46, v\u0259 83-c\u00fc madd\u0259l\u0259rind\u0259 d\u0259 bunun \u00f6z \u0259ksini tapmas\u0131n\u0131 t\u0259klif ed\u0259rdim&#8221;.<\/p>\n<p><img src=\"https:\/\/gdb.voanews.com\/01000000-0aff-0242-dfb3-08dbfb019cc8_cx0_cy9_cw0_w1080_h608_s.jpg\" alt=\"Natiq C\u0259f\u0259rli REAL Partiyas\u0131n\u0131n Siyasi Komit\u0259sinin yeni s\u0259dri se\u00e7ilib\" \/><\/p>\n<p><strong>Natiq C\u0259f\u0259rli<\/strong><\/p>\n<p><strong>Respublika\u00e7\u0131 Alternativ Partiyas\u0131n\u0131n (ReAL) s\u0259dri, iqtisad\u00e7\u0131 Natiq C\u0259f\u0259rlinin fikrinc\u0259, vergi yaxud kredit borcuna g\u00f6r\u0259 \u00f6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015f qaydas\u0131 m\u0259hk\u0259m\u0259 yolu il\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fm\u0259lidir. \u201cYeni M\u00fcsavat\u201da \u015f\u0259rhind\u0259 Natiq C\u0259f\u0259rli bildirdi ki, icra strukturlar\u0131n\u0131n bel\u0259 qada\u011falar qoymas\u0131 do\u011fru deyil:<\/strong>\u00a0\u201cAz\u0259rbaycan Konstitusiyas\u0131na g\u00f6r\u0259 Az\u0259rbaycan v\u0259t\u0259nda\u015flar\u0131n\u0131n s\u0259rb\u0259st h\u0259r\u0259k\u0259t h\u00fcququ var. Bu h\u00fcququ is\u0259 yaln\u0131z m\u0259hk\u0259m\u0259 qaydas\u0131nda m\u0259hdudla\u015fd\u0131rmaq m\u00fcmk\u00fcnd\u00fcr. M\u0259n daha yum\u015faq t\u0259dbirl\u0259rin t\u0259r\u0259fdar\u0131yam. \u018fg\u0259r banklar\u0131n kredit borcuna g\u00f6r\u0259 iddias\u0131 varsa, bu iddia il\u0259 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259li, v\u0259t\u0259nda\u015flar\u0131n s\u0259b\u0259bl\u0259ri dinl\u0259nildikd\u0259n sonra m\u0259hdudiyy\u0259t t\u0259tbiq olunub-olunmamas\u0131na m\u0259hk\u0259m\u0259 q\u0259rar verm\u0259lidir. \u00c7ox zaman bu inzibati qaydada t\u0259tbiq olunur. M\u0259n bunu do\u011fru hesab etmir\u0259m. \u00d6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015f qada\u011fas\u0131 m\u00fc\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 v\u0259t\u0259nda\u015flar\u0131n kredit borcunu qaytarmas\u0131na t\u0259\u015fviq ets\u0259 d\u0259, bu, h\u00fcquqi \u00e7\u0259r\u00e7iv\u0259d\u0259 olmal\u0131d\u0131r. H\u00fcquqi \u00e7\u0259r\u00e7iv\u0259d\u0259 q\u0259rar\u0131 is\u0259 yaln\u0131z m\u0259hk\u0259m\u0259 ver\u0259 bil\u0259r. Bu, m\u0259hk\u0259m\u0259l\u0259rin y\u00fck\u00fcn\u00fc art\u0131ra bil\u0259r, amma ist\u0259nil\u0259n halda h\u00fcquqi akta ehtiyac var. \u0130cra strukturlar\u0131 ist\u0259nil\u0259n \u015f\u0259xs\u0259 ist\u0259diyi qada\u011fan\u0131 qoya bilm\u0259z. B\u0259lk\u0259, borc \u00f6d\u0259ni\u015fini gecikdir\u0259n v\u0259t\u0259nda\u015f\u0131n \u0259sasl\u0131 s\u0259b\u0259bl\u0259ri olub?!\u201d<\/p>\n<p><img src=\"https:\/\/qafqazinfo.az\/uploads\/1712513928\/ekrem.jpg\" alt=\"M\u0259hk\u0259m\u0259-h\u00fcquq islahatlar\u0131n\u0131n yeni m\u0259rh\u0259l\u0259si\u201d \u2014 \u018fkr\u0259m H\u0259s\u0259nov\" \/><\/p>\n<p><strong>\u018fkr\u0259m H\u0259s\u0259nov<\/strong><\/p>\n<p><strong>H\u00fcquq\u015f\u00fcnas \u018fkr\u0259m H\u0259s\u0259nov is\u0259 qeyd etdi ki, m\u00f6vcud qanunvericiliy\u0259 g\u00f6r\u0259, borca dair qanuni q\u00fcvv\u0259y\u0259 minmi\u015f m\u0259hk\u0259m\u0259 q\u0259rar\u0131 ola-ola onu \u00f6d\u0259m\u0259y\u0259n \u015f\u0259xsin \u00f6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015f\u0131na qada\u011fa qoyulur:<\/strong><\/p>\n<p>\u201cYaln\u0131z \u00fczrs\u00fcz s\u0259b\u0259b\u0259 g\u00f6r\u0259 borc \u00f6d\u0259nm\u0259dikd\u0259 \u00f6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015fa qoyulur. Konstitusiya M\u0259hk\u0259m\u0259sinin \u00fczrs\u00fcz hallara dair \u015f\u0259rhi var. T\u0259cr\u00fcb\u0259d\u0259 \u015f\u0259xsin banka yaxud ba\u015fqa \u015f\u0259xs\u0259 borcu varsa, borcu tam \u00f6d\u0259y\u0259 bilmirs\u0259, yaxud hiss\u0259-hiss\u0259 \u00f6d\u0259yirs\u0259, icra m\u0259muru m\u0259hk\u0259m\u0259y\u0259 \u015f\u0259xsin \u00f6lk\u0259d\u0259n\u00a0\u00a0 \u00e7\u0131x\u0131\u015f\u0131na qada\u011fa qoyulmas\u0131 il\u0259 ba\u011fl\u0131 t\u0259qdimat verir. Qanunvericiliy\u0259 g\u00f6r\u0259, t\u0259qdimat yaln\u0131z borc \u00fczrs\u00fcz s\u0259b\u0259b\u0259 g\u00f6r\u0259 \u00f6d\u0259nilm\u0259dikd\u0259 veril\u0259 bil\u0259r. Lakin bunu s\u00fcbut etm\u0259k laz\u0131md\u0131r. G\u00f6r\u00fcn\u0259n odur ki, parlamentin q\u0259bul etdiyi q\u0259rarlar icra olunmur. T\u0259cr\u00fcb\u0259 qanunlara ziddir, amma icra m\u0259murlar\u0131n\u0131n davran\u0131\u015f\u0131 c\u0259miyy\u0259td\u0259 norma kimi q\u0259bul edilib\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Natiq C\u0259f\u0259rli: \u201c\u0130cra strukturlar\u0131n\u0131n bel\u0259 qada\u011falar qoymas\u0131 do\u011fru deyil\u201d \u201cM\u00fclki Prosessual M\u0259c\u0259ll\u0259nin 231-ci madd\u0259sind\u0259 borclu anlay\u0131\u015f\u0131 d\u0259qiql\u0259\u015fdirilir. Bununla yana\u015f\u0131, bu anlay\u0131\u015f\u0131n daha da d\u0259qiql\u0259\u015fdirilm\u0259si, o c\u00fcml\u0259d\u0259n fiziki v\u0259 h\u00fcquqi \u015f\u0259xsl\u0259r \u00fczr\u0259 meyarlar\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si m\u0259qs\u0259d\u0259uy\u011fun olard\u0131. Bel\u0259 ki, bir s\u0131ra \u00f6lk\u0259l\u0259rin qanunvericiliyind\u0259 oldu\u011fu kimi, fiziki \u015f\u0259xsl\u0259r \u00fczr\u0259 \u00f6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015f h\u00fcququnun m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 zaman\u0131 kredit borcu \u00fczr\u0259 limitl\u0259r t\u0259tbiq edil\u0259 v\u0259 s\u00f6z\u00fcged\u0259n m\u0259c\u0259ll\u0259d\u0259 \u00f6z \u0259ksini tapa bil\u0259r\u201d.\u00a0 Deputat V\u00fcqar Bayramov parlamentd\u0259 bel\u0259 deyib. \u201cH\u0259m problemli kreditl\u0259rin, h\u0259m d\u0259 qeyri-i\u015fl\u0259k kreditl\u0259rin h\u0259cmind\u0259 art\u0131mlar var. Bu bax\u0131mdan, nisb\u0259t\u0259n az kredit borcu olan v\u0259t\u0259nda\u015flar\u0131m\u0131z \u00fc\u00e7\u00fcn qada\u011falar\u0131n&hellip;<\/p>\n","protected":false},"author":2,"featured_media":803910,"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":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/8c05dbcb602141086225402d87a17272.jpg",870,500,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=26\" rel=\"category\">Sosial<\/a>","rttpg_excerpt":"Natiq C\u0259f\u0259rli: \u201c\u0130cra strukturlar\u0131n\u0131n bel\u0259 qada\u011falar qoymas\u0131 do\u011fru deyil\u201d \u201cM\u00fclki Prosessual M\u0259c\u0259ll\u0259nin 231-ci madd\u0259sind\u0259 borclu anlay\u0131\u015f\u0131 d\u0259qiql\u0259\u015fdirilir. Bununla yana\u015f\u0131, bu anlay\u0131\u015f\u0131n daha da d\u0259qiql\u0259\u015fdirilm\u0259si, o c\u00fcml\u0259d\u0259n fiziki v\u0259 h\u00fcquqi \u015f\u0259xsl\u0259r \u00fczr\u0259 meyarlar\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si m\u0259qs\u0259d\u0259uy\u011fun olard\u0131. Bel\u0259 ki, bir s\u0131ra \u00f6lk\u0259l\u0259rin qanunvericiliyind\u0259 oldu\u011fu kimi, fiziki \u015f\u0259xsl\u0259r \u00fczr\u0259 \u00f6lk\u0259d\u0259n \u00e7\u0131x\u0131\u015f h\u00fcququnun m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 zaman\u0131 kredit borcu \u00fczr\u0259 limitl\u0259r&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803909"}],"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=803909"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803909\/revisions"}],"predecessor-version":[{"id":803911,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/803909\/revisions\/803911"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/803910"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=803909"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=803909"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=803909"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}