{"id":805725,"date":"2025-05-12T17:26:47","date_gmt":"2025-05-12T13:26:47","guid":{"rendered":"https:\/\/arantv.az\/?p=805725"},"modified":"2025-05-12T17:26:47","modified_gmt":"2025-05-12T13:26:47","slug":"kreditl%c9%99rl%c9%99-bagli-vacib-x%c9%99b%c9%99r-faizl%c9%99r-b%c9%99rab%c9%99r-bolun%c9%99-bil%c9%99r-aciqlama","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=805725","title":{"rendered":"Kreditl\u0259rl\u0259 ba\u011fl\u0131 vacib x\u0259b\u0259r: Faizl\u0259r b\u0259rab\u0259r b\u00f6l\u00fcn\u0259 bil\u0259r &#8211; A\u00c7IQLAMA"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<p>Banklar\u0131n kredit faizl\u0259rinin y\u00fcks\u0259k olmas\u0131 v\u0259t\u0259nda\u015flar\u0131n h\u0259r zaman \u015fikay\u0259tl\u0259nm\u0259sin\u0259 s\u0259b\u0259b olur. Onlar\u0131 narahat ed\u0259n dig\u0259r m\u0259qam is\u0259 b\u0259zi banklar\u0131n kredit \u00f6d\u0259ni\u015fi zaman\u0131 m\u0259bl\u0259\u011fin b\u00f6y\u00fck hiss\u0259sinin faizd\u0259n \u00e7\u0131x\u0131lmas\u0131d\u0131r. T\u0259klif edilir ki, banklar \u00f6d\u0259ni\u015f c\u0259vd\u0259lin\u0259 yenid\u0259n baxs\u0131nlar v\u0259 v\u0259t\u0259nda\u015f borcunu ba\u011flayanda faizd\u0259n az \u00e7\u0131x\u0131ls\u0131n.<\/p>\n<p>B\u0259s banklar bu m\u0259s\u0259l\u0259y\u0259 nec\u0259 yana\u015f\u0131rlar?<\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 mill\u0259t v\u0259kili V\u00fcqar Bayramov deyib ki, istehlak kreditl\u0259ri veril\u0259n zaman banklar daha q\u0131sa zamanda faiz g\u0259lirl\u0259rini \u0259ld\u0259 etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar. Bu is\u0259 \u00f6d\u0259ni\u015f c\u0259dv\u0259lind\u0259 ilkin olaraq faizl\u0259rin \u00f6d\u0259nilm\u0259sin\u0259 v\u0259 \u0259sas m\u0259bl\u0259\u011fd\u0259 ciddi d\u0259yi\u015fiklikl\u0259rin olmamas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r:<\/p>\n<p>&#8220;Biz b\u00fct\u00f6vl\u00fckd\u0259 h\u0259m \u00f6d\u0259m\u0259 c\u0259dv\u0259lind\u0259 faiz v\u0259 \u0259sas m\u0259bl\u0259\u011fl\u0259r \u00fczr\u0259 proporsional yana\u015fman\u0131n h\u0259yata ke\u00e7irilm\u0259sini t\u0259klif edirik. Y\u0259ni banklar t\u0259r\u0259find\u0259n ilk aylarda v\u0259 ya ilk ild\u0259 daha \u00e7ox faiz \u00f6d\u0259ni\u015fl\u0259rin\u0259 \u00fcst\u00fcnl\u00fck verilm\u0259si m\u0259qbul deyil. Daha m\u0259qs\u0259d\u0259 uy\u011fun olard\u0131 ki, optimal olaraq faiz v\u0259 \u0259sas m\u0259bl\u0259\u011fl\u0259r \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r m\u0259hz kredit \u00f6d\u0259ni\u015fi ba\u015flad\u0131qdan etibar\u0259n n\u0259z\u0259r\u0259 al\u0131ns\u0131n, b\u00f6l\u00fc\u015fd\u00fcr\u00fcls\u00fcn.<\/p>\n<p>Bu d\u0259yi\u015fiklikl\u0259r edils\u0259, \u0259sas m\u0259bl\u0259\u011f \u00fczr\u0259 borcun daha tez azalmas\u0131na, krediti tez ba\u011flamaq ist\u0259y\u0259n v\u0259t\u0259nda\u015flar\u0131n iqtisadi h\u00fcquqlar\u0131n\u0131n qorunmas\u0131na g\u0259tirib \u00e7\u0131xaracaq&#8221;.<\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Az\u0259rbaycan Banklar Assosiasiyas\u0131n\u0131n eksperti M\u0259nsur M\u0259mm\u0259dov bildirib ki, bu banklar\u0131n kredit \u00f6d\u0259ni\u015fl\u0259rind\u0259 istifad\u0259 etdiyi daha \u00e7ox audit \u00fcsulu il\u0259 ba\u011fl\u0131d\u0131r. Bu modeld\u0259 v\u0259t\u0259nda\u015f sabit m\u0259bl\u0259\u011f \u00f6d\u0259yir:<\/p>\n<p>&#8220;Y\u0259ni ayl\u0131q \u00f6d\u0259ni\u015f m\u0259bl\u0259\u011fi n\u00f6vb\u0259ti \u00f6d\u0259ni\u015f periodlardak\u0131 m\u0259bl\u0259\u011fl\u0259rl\u0259 eyni olur. \u00d6d\u0259ni\u015fl\u0259rd\u0259 h\u0259r ay eyni m\u0259bl\u0259\u011f\u011f \u00f6d\u0259nils\u0259 d\u0259, bu onun t\u0259rkibini d\u0259yi\u015fir. Kredit \u00f6d\u0259ni\u015fl\u0259rinin ilk d\u00f6vrl\u0259rind\u0259 \u0259sas\u0259n faiz \u00f6d\u0259ni\u015fl\u0259ri \u00e7ox olur. \u00c7\u00fcnki qal\u0131q borcu y\u00fcks\u0259kdir. Bu da hesablanan faizi art\u0131r\u0131r. Zaman ke\u00e7dikc\u0259 \u0259sas borcun qal\u0131q m\u0259bl\u0259\u011fi azal\u0131r. N\u0259tic\u0259d\u0259 ayl\u0131q faiz m\u0259bl\u0259\u011fi d\u0259 azal\u0131r. Bu da eyni zamanda \u0259sas borc \u00fczr\u0259 \u00f6d\u0259ni\u015fin \u00fcmumi \u00f6d\u0259ni\u015fd\u0259 pay\u0131n\u0131 art\u0131r\u0131r&#8221;.<\/p>\n<p>Ekspert qeyd edir ki, bank sistemind\u0259 dig\u0259r \u00f6d\u0259ni\u015f \u00fcsullar\u0131 da var. Lakin ayl\u0131q \u00f6d\u0259ni\u015f m\u0259bl\u0259\u011finin sabit olmas\u0131 h\u0259m bank, h\u0259m d\u0259 m\u00fc\u015ft\u0259ri b\u00fcdc\u0259sinin proqnozla\u015fd\u0131r\u0131lmas\u0131n\u0131 v\u0259 planla\u015fd\u0131r\u0131lmas\u0131n\u0131 asanla\u015fd\u0131r\u0131r.<\/p>\n<p>B\u0259s v\u0259t\u0259nda\u015flar\u0131n \u00f6d\u0259ni\u015f c\u0259dv\u0259lini ist\u0259dikl\u0259ri kimi t\u0259rtib etm\u0259k h\u00fcququ var?<\/p>\n<p>Ekspert bildirib ki, bu sistem v\u0259t\u0259nda\u015f\u0131n \u0259lav\u0259 pul \u00f6d\u0259m\u0259si dem\u0259k deyil. M\u00fc\u015ft\u0259ri ist\u0259nil\u0259n qrafikli \u00f6d\u0259ni\u015f hallar\u0131nda kreditin qal\u0131q m\u0259bl\u0259\u011fin\u0259 \u0259sas\u0259n hesablanm\u0131\u015f faiz m\u0259bl\u0259\u011fini borc kimi \u00f6d\u0259yir. Banklar\u0131n \u00f6d\u0259ni\u015f c\u0259dv\u0259lini ist\u0259dikl\u0259ri kimi t\u0259rtbi etm\u0259k h\u00fcququ yoxdur. \u00d6d\u0259ni\u015f c\u0259dv\u0259li qanunvericiliy\u0259 v\u0259 m\u00fc\u015ft\u0259ri il\u0259 qar\u015f\u0131l\u0131ql\u0131 raz\u0131la\u015fmaya \u0259sas\u0259n haz\u0131rlan\u0131r. M\u00fc\u015ft\u0259ri s\u0259n\u0259dl\u0259ri imzalamaqla \u00f6z raz\u0131l\u0131\u011f\u0131n\u0131 bildirir. \u018fg\u0259r bu raz\u0131l\u0131q yoxdursa, bank bu \u015f\u0259rtl\u0259rl\u0259 krediti m\u00fc\u015ft\u0259riy\u0259 ver\u0259 bilm\u0259z.<\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Banklar\u0131n kredit faizl\u0259rinin y\u00fcks\u0259k olmas\u0131 v\u0259t\u0259nda\u015flar\u0131n h\u0259r zaman \u015fikay\u0259tl\u0259nm\u0259sin\u0259 s\u0259b\u0259b olur. Onlar\u0131 narahat ed\u0259n dig\u0259r m\u0259qam is\u0259 b\u0259zi banklar\u0131n kredit \u00f6d\u0259ni\u015fi zaman\u0131 m\u0259bl\u0259\u011fin b\u00f6y\u00fck hiss\u0259sinin faizd\u0259n \u00e7\u0131x\u0131lmas\u0131d\u0131r. T\u0259klif edilir ki, banklar \u00f6d\u0259ni\u015f c\u0259vd\u0259lin\u0259 yenid\u0259n baxs\u0131nlar v\u0259 v\u0259t\u0259nda\u015f borcunu ba\u011flayanda faizd\u0259n az \u00e7\u0131x\u0131ls\u0131n. B\u0259s banklar bu m\u0259s\u0259l\u0259y\u0259 nec\u0259 yana\u015f\u0131rlar? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 mill\u0259t v\u0259kili V\u00fcqar Bayramov deyib ki, istehlak kreditl\u0259ri veril\u0259n zaman banklar daha q\u0131sa zamanda faiz g\u0259lirl\u0259rini \u0259ld\u0259 etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar. Bu is\u0259 \u00f6d\u0259ni\u015f c\u0259dv\u0259lind\u0259 ilkin olaraq faizl\u0259rin \u00f6d\u0259nilm\u0259sin\u0259 v\u0259 \u0259sas m\u0259bl\u0259\u011fd\u0259 ciddi d\u0259yi\u015fiklikl\u0259rin olmamas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r: &#8220;Biz b\u00fct\u00f6vl\u00fckd\u0259 h\u0259m \u00f6d\u0259m\u0259&hellip;<\/p>\n","protected":false},"author":2,"featured_media":805726,"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\/05\/9d827813766e05881f09ab5fc83b8765.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/9d827813766e05881f09ab5fc83b8765.jpg",800,500,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=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Banklar\u0131n kredit faizl\u0259rinin y\u00fcks\u0259k olmas\u0131 v\u0259t\u0259nda\u015flar\u0131n h\u0259r zaman \u015fikay\u0259tl\u0259nm\u0259sin\u0259 s\u0259b\u0259b olur. Onlar\u0131 narahat ed\u0259n dig\u0259r m\u0259qam is\u0259 b\u0259zi banklar\u0131n kredit \u00f6d\u0259ni\u015fi zaman\u0131 m\u0259bl\u0259\u011fin b\u00f6y\u00fck hiss\u0259sinin faizd\u0259n \u00e7\u0131x\u0131lmas\u0131d\u0131r. T\u0259klif edilir ki, banklar \u00f6d\u0259ni\u015f c\u0259vd\u0259lin\u0259 yenid\u0259n baxs\u0131nlar v\u0259 v\u0259t\u0259nda\u015f borcunu ba\u011flayanda faizd\u0259n az \u00e7\u0131x\u0131ls\u0131n. B\u0259s banklar bu m\u0259s\u0259l\u0259y\u0259 nec\u0259 yana\u015f\u0131rlar? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 mill\u0259t v\u0259kili V\u00fcqar Bayramov&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/805725"}],"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=805725"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/805725\/revisions"}],"predecessor-version":[{"id":805727,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/805725\/revisions\/805727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/805726"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=805725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=805725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=805725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}