{"id":811421,"date":"2025-06-17T19:01:00","date_gmt":"2025-06-17T15:01:00","guid":{"rendered":"https:\/\/arantv.az\/?p=811421"},"modified":"2025-06-17T19:01:00","modified_gmt":"2025-06-17T15:01:00","slug":"krediti-od%c9%99m%c9%99s%c9%99n-is-yerin%c9%99-z%c9%99ng-ed%c9%99c%c9%99yik-banklar-v%c9%99t%c9%99ndaslari-h%c9%99d%c9%99l%c9%99yirfoto","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=811421","title":{"rendered":"Krediti \u00f6d\u0259m\u0259s\u0259n, i\u015f yerin\u0259 z\u0259ng ed\u0259c\u0259yik \u2013 Banklar v\u0259t\u0259nda\u015flar\u0131 H\u018fD\u018fL\u018fY\u0130R?FOTO"},"content":{"rendered":"
\n

Az\u0259rbaycanda bir s\u0131ra bank v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n (BOKT) \u0259m\u0259kda\u015flar\u0131n\u0131n borclulara qar\u015f\u0131 t\u0259tbiq etdiyi z\u0259ng siyas\u0259ti naraz\u0131l\u0131q do\u011furub. Sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 v\u0259 bank m\u00fczakir\u0259 qruplar\u0131nda v\u0259t\u0259nda\u015flar t\u0259zyiq xarakterli z\u0259ngl\u0259rd\u0259n v\u0259 h\u0259d\u0259l\u0259yici ifad\u0259l\u0259rd\u0259n \u015fikay\u0259tl\u0259nirl\u0259r.<\/strong><\/p>\n

Musavat.com<\/strong>-un m\u0259lumat\u0131na g\u00f6r\u0259, v\u0259t\u0259nda\u015flardan biri \u201cBank of Baku\u201ddan g\u00f6t\u00fcrd\u00fcy\u00fc kredit \u00fczr\u0259 \u00f6d\u0259m\u0259d\u0259 gecikm\u0259 oldu\u011funu, lakin borcu ay sonu faizi il\u0259 birlikd\u0259 \u00f6d\u0259y\u0259c\u0259yini banka bildirdiyini deyir.<\/p>\n

Buna baxmayaraq, bir ne\u00e7\u0259 g\u00fcn sonra bank \u0259m\u0259kda\u015f\u0131 yenid\u0259n z\u0259ng ed\u0259r\u0259k \u0259g\u0259r \u00f6d\u0259ni\u015f edilm\u0259s\u0259, onun i\u015f yerin\u0259 m\u0259lumat veril\u0259c\u0259yini v\u0259 kredit s\u0259n\u0259dind\u0259 g\u00f6st\u0259ril\u0259n dig\u0259r n\u00f6mr\u0259l\u0259r\u0259 d\u0259 z\u0259ng edil\u0259c\u0259yini bildirib.<\/p>\n

V\u0259t\u0259nda\u015f sual edir:\u00a0<\/strong>\u201cM\u0259n borcumu \u00f6d\u0259y\u0259c\u0259yimi bildirmi\u015f\u0259m v\u0259 d\u0259st\u0259yi cavabland\u0131r\u0131ram. \u018fvv\u0259ll\u0259r he\u00e7 bir gecikm\u0259m olmay\u0131b. Bel\u0259 halda, niy\u0259 yax\u0131nlar\u0131ma z\u0259ng vurulmal\u0131d\u0131r?\u201d<\/p>\n

B\u0259nz\u0259r hallar bir \u00e7ox dig\u0259r kredit t\u0259\u015fkilatlar\u0131nda da m\u00fc\u015fahid\u0259 olunur. M\u0259lum olur ki, b\u0259zi BOKT-lar \u00f6d\u0259ni\u015f gecik\u0259n kimi borcalan\u0131n qohum v\u0259 tan\u0131\u015flar\u0131na z\u0259ng ed\u0259c\u0259kl\u0259rini bildirirl\u0259r.<\/p>\n

\"NAT\u0130Q<\/p>\n

M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131\u00a0Musavat.com<\/strong>-a dan\u0131\u015fan\u00a0iqtisad\u00e7\u0131 Natiq C\u0259f\u0259rli<\/strong>\u00a0deyib ki, bank v\u0259 kredit t\u0259\u015fkilatlar\u0131 yaln\u0131z borcalanla birba\u015fa \u0259laq\u0259 saxlamaq h\u00fcququna malikdirl\u0259r.<\/p>\n

Borcalan\u0131n raz\u0131l\u0131\u011f\u0131 v\u0259 ya imzalad\u0131\u011f\u0131 m\u00fcqavil\u0259d\u0259 konkret olaraq g\u00f6st\u0259rilm\u0259diyi halda, \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259r\u0259 – o c\u00fcml\u0259d\u0259n i\u015f yerin\u0259, yax\u0131nlar\u0131na v\u0259 ya z\u0259man\u0259t\u00e7i olmayan tan\u0131\u015flara z\u0259ng etm\u0259k \u015f\u0259xsi m\u0259lumatlar\u0131n yay\u0131lmas\u0131 kimi qiym\u0259tl\u0259ndiril\u0259 bil\u0259r v\u0259 bu, qanun pozuntusu say\u0131l\u0131r:<\/p>\n

\u201cV\u0259t\u0259nda\u015flar kredit g\u00f6t\u00fcr\u0259rk\u0259n, \u00fcmumiyy\u0259tl\u0259, banklarla hans\u0131sa \u0259m\u0259liyyat h\u0259yata ke\u00e7ir\u0259rk\u0259n, m\u00fcqavil\u0259l\u0259ri oxumurlar. B\u0259z\u0259n is\u0259 banklar vicdans\u0131zcas\u0131na b\u0259ndl\u0259r \u0259lav\u0259 edirl\u0259r v\u0259 onlar\u0131 \u0259ld\u0259 r\u0259hb\u0259r tutaraq, hans\u0131sa bir problem olark\u0259n, v\u0259t\u0259nda\u015f\u0131n \u00fcz\u0259rin\u0259 y\u00fckl\u0259nirl\u0259r.<\/p>\n

Normalda banklar\u0131n problemli kreditl\u0259r haqq\u0131nda qaydalar\u0131 var. 3 ayl\u0131q gecikm\u0259 problemli kredit say\u0131lm\u0131r. 3 aydan sonra problemli kredit kateqoriyas\u0131na ke\u00e7ir v\u0259 bank m\u00fcqavil\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f qaydada zaminl\u0259rl\u0259 \u0259laq\u0259 saxlay\u0131r, m\u0259lumat verir. Bunun \u00fcz\u0259rind\u0259n 6 ay ke\u00e7\u0259nd\u0259n sonra bank m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259k h\u00fcququ qazan\u0131r. C\u0259mi 1 ayl\u0131q gecikm\u0259y\u0259 g\u00f6r\u0259 v\u0259t\u0259nda\u015f\u0131 \u015fantaj etm\u0259k, \u015f\u0259xsiyy\u0259tin\u0259 toxunacaq add\u0131mlar atmaq qanuni v\u0259 do\u011fru deyil. Bizim v\u0259t\u0259nda\u015flardan ricam ondan ibar\u0259tdir ki, banklarla m\u00fcqavil\u0259 ba\u011flay\u0259rk\u0259n h\u00fcquq\u015f\u00fcnaslarla m\u0259sl\u0259h\u0259tl\u0259\u015fsinl\u0259r. B\u0259z\u0259n ki\u00e7ik bir kredit\u0259 g\u00f6r\u0259 onlarla s\u0259hif\u0259lik m\u00fcqavil\u0259 ba\u011flan\u0131r, h\u0259ddind\u0259n art\u0131q q\u0259liz c\u00fcml\u0259l\u0259rl\u0259 v\u0259t\u0259nda\u015f\u0131n \u00fcz\u0259rind\u0259 o q\u0259d\u0259r \u00f6hd\u0259likl\u0259r qoyulur ki, sonradan banklar\u0131 m\u0259suliyy\u0259t\u0259 c\u0259lb etm\u0259k m\u00fcmk\u00fcn olmur. \u00c7\u00fcnki \u0259ks iddia il\u0259 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etdikd\u0259 bank \u00e7ox g\u00fcman ki, m\u00fcqavil\u0259nin hans\u0131sa b\u0259ndini g\u00f6st\u0259r\u0259c\u0259k. bel\u0259 \u015fey6l\u0259r olmas\u0131n dey\u0259 v\u0259t\u0259nda\u015flar da \u00e7ox diqq\u0259tli olsunlar, m\u00fcqavil\u0259ni anlayanad\u0259k oxusunlar. V\u0259t\u0259nda\u015f oxumadean m\u00fcqavil\u0259 imzalay\u0131r, bank is\u0259 v\u0259t\u0259nda\u015f\u0131n \u00fcz\u0259rin\u0259 ist\u0259diyi q\u0259d\u0259r m\u0259suliyy\u0259t y\u00fckl\u0259yir.<\/p>\n

N\u00f6mr\u0259l\u0259ri veril\u0259n \u015f\u0259xsl\u0259r zamin kimi m\u00fcqavil\u0259y\u0259 imza atmay\u0131blarsa, onlar\u0131n h\u00fcquqi m\u0259suliyy\u0259ti yoxdur v\u0259 bank\u0131n bu \u015f\u0259xsl\u0259r\u0259 z\u0259ng etm\u0259si do\u011fru deyil\u201d.<\/p>\n

Eyni zamanda, v\u0259t\u0259nda\u015f kredit m\u00fcqavil\u0259sini imzalayark\u0259n hans\u0131 n\u00f6mr\u0259l\u0259rin v\u0259 n\u0259 m\u0259qs\u0259dl\u0259 istifad\u0259 olunaca\u011f\u0131na dair madd\u0259l\u0259ri diqq\u0259tl\u0259 oxumal\u0131d\u0131r. \u018fg\u0259r raz\u0131l\u0131q formas\u0131 imzalan\u0131bsa v\u0259 orada g\u00f6st\u0259rilirs\u0259 ki, gecikm\u0259 zaman\u0131 \u0259laq\u0259 \u00fc\u00e7\u00fcn \u0259lav\u0259 n\u00f6mr\u0259l\u0259r\u0259 z\u0259ng oluna bil\u0259r, bu halda h\u00fcquqi \u0259sas m\u00fc\u0259yy\u0259n q\u0259d\u0259r formala\u015f\u0131r. Amma bu da t\u0259zyiq v\u0259 ya h\u0259d\u0259 yolu il\u0259 deyil, etik davran\u0131\u015f qaydalar\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 apar\u0131lmal\u0131d\u0131r.<\/p>\n

\"EKREM.jpg<\/p>\n

Tan\u0131nm\u0131\u015f v\u0259kil \u018fkr\u0259m H\u0259s\u0259nov da m\u00f6vzu il\u0259 ba\u011fl\u0131 fikrini bildirib:<\/strong><\/p>\n

\u201cBorc alan telefon n\u00f6rmr\u0259l\u0259rini banka verirs\u0259, dem\u0259li, h\u0259min \u015f\u0259xsl\u0259r\u0259 z\u0259ng edilm\u0259sin\u0259 raz\u0131l\u0131q verir. \u018fks halda sual yaran\u0131r ki, onda s\u0259n n\u00f6mr\u0259l\u0259ri banka niy\u0259 vermis\u0259n? Do\u011frudur, bank h\u0259min n\u00f6mr\u0259l\u0259rin sahibl\u0259rin\u0259 z\u0259ng edib \u00f6d\u0259ni\u015fl\u0259rin edilm\u0259sini t\u0259l\u0259b ed\u0259 bilm\u0259z. \u00c7\u00fcnki onlar zamin deyill\u0259r. Lakin z\u0259ngin \u00f6z\u00fcnd\u0259 problem yoxdur, v\u0259t\u0259nda\u015f \u00f6z\u00fc n\u00f6mr\u0259ni verib\u201d.<\/p>\n

V\u0259kil qeyd edib ki, borcla ba\u011fl\u0131 v\u0259t\u0259nda\u015f\u0131n i\u015f yerin\u0259 z\u0259ng edilm\u0259si yolverilm\u0259zdir:<\/strong><\/p>\n

\u201cBu, bank sirrinin pozulmas\u0131d\u0131r. Bank yaln\u0131z m\u00fc\u015ft\u0259rinin \u00f6z\u00fcn\u0259 v\u0259 onun g\u00f6st\u0259rdiyi \u015f\u0259xsl\u0259r\u0259 m\u0259lumat ver\u0259 bil\u0259r. \u0130\u015f yerl\u0259rin\u0259, qohumlara, ail\u0259 \u00fczvl\u0259rin\u0259 m\u0259lumat veril\u0259 bilm\u0259z. T\u0259kc\u0259 kreditd\u0259 deyil, dig\u0259r bank \u0259m\u0259liyyatlar\u0131nda da buna \u0259m\u0259l etm\u0259k laz\u0131md\u0131r\u201d.<\/p>\n

\u015eahan\u0259 R\u0259himli<\/strong>
\nMusavat.com<\/strong><\/p>\n<\/div>\n

\n
<\/div>\n
<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycanda bir s\u0131ra bank v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n (BOKT) \u0259m\u0259kda\u015flar\u0131n\u0131n borclulara qar\u015f\u0131 t\u0259tbiq etdiyi z\u0259ng siyas\u0259ti naraz\u0131l\u0131q do\u011furub. Sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 v\u0259 bank m\u00fczakir\u0259 qruplar\u0131nda v\u0259t\u0259nda\u015flar t\u0259zyiq xarakterli z\u0259ngl\u0259rd\u0259n v\u0259 h\u0259d\u0259l\u0259yici ifad\u0259l\u0259rd\u0259n \u015fikay\u0259tl\u0259nirl\u0259r. Musavat.com-un m\u0259lumat\u0131na g\u00f6r\u0259, v\u0259t\u0259nda\u015flardan biri \u201cBank of Baku\u201ddan g\u00f6t\u00fcrd\u00fcy\u00fc kredit \u00fczr\u0259 \u00f6d\u0259m\u0259d\u0259 gecikm\u0259 oldu\u011funu, lakin borcu ay sonu faizi il\u0259 birlikd\u0259 \u00f6d\u0259y\u0259c\u0259yini banka bildirdiyini deyir. Buna baxmayaraq, bir ne\u00e7\u0259 g\u00fcn sonra bank \u0259m\u0259kda\u015f\u0131 yenid\u0259n z\u0259ng ed\u0259r\u0259k \u0259g\u0259r \u00f6d\u0259ni\u015f edilm\u0259s\u0259, onun i\u015f yerin\u0259 m\u0259lumat veril\u0259c\u0259yini v\u0259 kredit s\u0259n\u0259dind\u0259 g\u00f6st\u0259ril\u0259n dig\u0259r n\u00f6mr\u0259l\u0259r\u0259 d\u0259 z\u0259ng edil\u0259c\u0259yini bildirib. V\u0259t\u0259nda\u015f sual edir:\u00a0\u201cM\u0259n…<\/p>\n","protected":false},"author":2,"featured_media":811422,"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\/06\/09e081d5888edf57cc1fa62ff97347ad.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/06\/09e081d5888edf57cc1fa62ff97347ad.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":"Az\u0259rbaycanda bir s\u0131ra bank v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n (BOKT) \u0259m\u0259kda\u015flar\u0131n\u0131n borclulara qar\u015f\u0131 t\u0259tbiq etdiyi z\u0259ng siyas\u0259ti naraz\u0131l\u0131q do\u011furub. Sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 v\u0259 bank m\u00fczakir\u0259 qruplar\u0131nda v\u0259t\u0259nda\u015flar t\u0259zyiq xarakterli z\u0259ngl\u0259rd\u0259n v\u0259 h\u0259d\u0259l\u0259yici ifad\u0259l\u0259rd\u0259n \u015fikay\u0259tl\u0259nirl\u0259r. Musavat.com-un m\u0259lumat\u0131na g\u00f6r\u0259, v\u0259t\u0259nda\u015flardan biri \u201cBank of Baku\u201ddan g\u00f6t\u00fcrd\u00fcy\u00fc kredit \u00fczr\u0259 \u00f6d\u0259m\u0259d\u0259 gecikm\u0259 oldu\u011funu, lakin borcu ay sonu faizi il\u0259 birlikd\u0259 \u00f6d\u0259y\u0259c\u0259yini…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/811421"}],"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=811421"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/811421\/revisions"}],"predecessor-version":[{"id":811423,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/811421\/revisions\/811423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/811422"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=811421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=811421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=811421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}