{"id":815563,"date":"2025-07-11T10:33:02","date_gmt":"2025-07-11T06:33:02","guid":{"rendered":"https:\/\/arantv.az\/?p=815563"},"modified":"2025-07-11T10:33:02","modified_gmt":"2025-07-11T06:33:02","slug":"kredit-faizl%c9%99ri-artir-%c9%99halinin-borcu-coxalir-cixis-yolu","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=815563","title":{"rendered":"Kredit faizl\u0259ri art\u0131r, \u0259halinin borcu \u00e7oxal\u0131r – \u00e7\u0131x\u0131\u015f yolu"},"content":{"rendered":"

Y\u00fcks\u0259l\u0259n kredit faizl\u0259rinin iqtisadiyyata t\u0259siri: n\u0259l\u0259r d\u0259yi\u015fir?<\/strong><\/h3>\n

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) a\u00e7\u0131qlad\u0131\u011f\u0131 son m\u0259lumatlara g\u00f6r\u0259, \u00f6lk\u0259d\u0259 kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si 13,65%-\u0259 \u00e7at\u0131b. Bu, c\u0259lb olunmu\u015f v\u0259saitl\u0259rin d\u0259y\u0259rinin 12,74%-i \u00f6tm\u0259diyi \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 0,91 faiz b\u0259ndi \u00e7oxdur.<\/strong><\/p>\n

Faiz d\u0259r\u0259c\u0259l\u0259rind\u0259 art\u0131m h\u0259m milli valyutada (14,4%-d\u0259n 15,04%-\u0259 q\u0259d\u0259r), h\u0259m d\u0259 xarici valyutada (5,34%-d\u0259n 5,66%-\u0259) veril\u0259n kreditl\u0259r \u00fczr\u0259 qeyd\u0259 al\u0131n\u0131b. Verilmi\u015f b\u00fct\u00fcn kreditl\u0259rin 76%-d\u0259n \u00e7oxu, y\u0259ni 28,4 milyard manat\u0131 paytaxtdad\u0131r.<\/p>\n

Bak\u0131da orta faiz d\u0259r\u0259c\u0259si 12,29% t\u0259\u015fkil edir. \u00d6lk\u0259nin rayonlar\u0131nda bu g\u00f6st\u0259rici xeyli y\u00fcks\u0259kdir. \u018fn y\u00fcks\u0259k g\u00f6st\u0259rici Da\u011fl\u0131q \u015eirvan iqtisadi rayonunda (19,74%), \u0259n a\u015fa\u011f\u0131 g\u00f6st\u0259rici is\u0259 Nax\u00e7\u0131vanda (14,84%) qeyd\u0259 al\u0131n\u0131b.<\/p>\n

Deputat V\u00fcqar Bayramovun hesablamalar\u0131na g\u00f6r\u0259, \u0259man\u0259t faizl\u0259rinin artmas\u0131 borc g\u00f6t\u00fcr\u00fcl\u0259n v\u0259saitl\u0259rin bahala\u015fmas\u0131na s\u0259b\u0259b olub: \u201cN\u0259tic\u0259d\u0259 borcalanlar\u0131n \u00fcz\u0259rin\u0259 d\u00fc\u015f\u0259n y\u00fck art\u0131r, borclar\u0131n \u00f6d\u0259nilm\u0259m\u0259si riski art\u0131r ki, bu da son n\u0259tic\u0259d\u0259 banklardak\u0131 pulun d\u0259y\u0259rin\u0259 d\u0259 t\u0259sir edir. Y\u00fcks\u0259k faiz d\u0259r\u0259c\u0259l\u0259ri iqtisadiyyat\u0131n real sektoruna ziyan vurur. Bahal\u0131 kreditl\u0259r g\u00f6t\u00fcr\u0259n \u015firk\u0259tl\u0259rin istehsal x\u0259rcl\u0259rin\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259rir v\u0259 bu, x\u0259rcl\u0259rin artmas\u0131na v\u0259 istehsal\u0131n inki\u015faf\u0131nda \u00e7\u0259tinliy\u0259 m\u0259ruz qoyur\u201d.<\/p>\n

\u0130qtisad\u00e7\u0131 ekspert Allahverdi Ayd\u0131n AYNA.AZ-a s\u00f6yl\u0259yib ki, Az\u0259rbaycanda faiz d\u0259r\u0259c\u0259l\u0259rinin artmas\u0131 eyni anda bir ne\u00e7\u0259 fundamental probleml\u0259 ba\u011fl\u0131d\u0131r: \u201cV\u0259ziyy\u0259t\u0259 ilk n\u00f6vb\u0259d\u0259 bank sistemind\u0259 r\u0259qab\u0259tin m\u0259hdud olmas\u0131 t\u0259sir edir. Kredit bazar\u0131n\u0131n b\u00f6y\u00fck hiss\u0259si bir ne\u00e7\u0259 iri bank\u0131n \u0259lind\u0259 c\u0259ml\u0259\u015fib. Tam r\u0259qab\u0259tin olmamas\u0131 d\u0259r\u0259c\u0259l\u0259rin a\u015fa\u011f\u0131 sal\u0131nmas\u0131 motivasiyas\u0131n\u0131 azald\u0131r v\u0259 banklara bahal\u0131 kreditl\u0259rd\u0259n pul qazanmaq \u00fc\u00e7\u00fcn rahat \u015f\u0259rait yarad\u0131r. Dig\u0259r eyni d\u0259r\u0259c\u0259d\u0259 inand\u0131r\u0131c\u0131 s\u0259b\u0259b inflyasiyan\u0131n y\u00fcks\u0259k s\u0259viyy\u0259sidir. Banklar real olaraq g\u0259lirliliyini qorumaq \u00fc\u00e7\u00fcn pulun faiz d\u0259r\u0259c\u0259l\u0259rind\u0259 ucuzla\u015fma riskini n\u0259z\u0259r\u0259 almal\u0131d\u0131rlar. Xarici valyutada olan kreditl\u0259r uzunm\u00fcdd\u0259tli sabitlik bax\u0131m\u0131ndan daha az riskli olaraq qal\u0131r. Ona g\u00f6r\u0259 d\u0259 a\u015fa\u011f\u0131 faiz t\u0259klif edirl\u0259r. X\u00fcsusil\u0259 qeyri-m\u00fc\u0259yy\u0259nlik d\u00f6vr\u00fcnd\u0259 manat kreditl\u0259ri daha h\u0259ssas hesab olunur v\u0259 bu, onlar\u0131n qiym\u0259tind\u0259 d\u0259 \u00f6z\u00fcn\u00fc g\u00f6st\u0259rir. Daxili inflyasiya, bank sektorunda qeyri-kafi r\u0259qab\u0259t v\u0259 milli valyutan\u0131n sabitliyi il\u0259 ba\u011fl\u0131 narahatl\u0131qlar\u0131n birl\u0259\u015fm\u0259si kredit x\u0259rcl\u0259rinin artmas\u0131 istiqam\u0259tind\u0259 davaml\u0131 tendensiya yarad\u0131r\u201d.<\/p>\n

\u0130qtisad\u00e7\u0131 R\u0259\u015fad H\u0259s\u0259nov is\u0259 qeyd edib ki, manatla veril\u0259n kreditl\u0259rin faizl\u0259rinin y\u00fcks\u0259lm\u0259sinin bir ne\u00e7\u0259 \u0259sas s\u0259b\u0259bi var: \u201cBirincisi, faktiki olaraq bu istiqam\u0259td\u0259 x\u0259rcl\u0259r art\u0131b. \u00c7\u00fcnki bank sektoru c\u0259lb etdiyi v\u0259saitl\u0259rin faizl\u0259rini y\u00fcks\u0259ldib. Depozit faizl\u0259ri bir il \u0259vv\u0259ll\u0259 m\u00fcqayis\u0259d\u0259, x\u00fcsus\u0259n d\u0259 sistem \u0259h\u0259miyy\u0259tli banklarda 5-6 faiz y\u00fcks\u0259lib. \u018fg\u0259r c\u0259lb olunan v\u0259saitin x\u0259rci art\u0131rsa, bu, dolay\u0131 yolla veril\u0259n kreditin d\u0259 x\u0259rcinin artmas\u0131na s\u0259b\u0259b olur. \u0130kinci faktor is\u0259 t\u0259l\u0259bdir. 2024-c\u00fc ilin \u0259vv\u0259lind\u0259n etibar\u0259n bank sektorunda ciddi \u015f\u0259kild\u0259 kreditl\u0259r\u0259 t\u0259l\u0259b formala\u015f\u0131b. \u00d6t\u0259n iki il \u0259rzind\u0259 kreditl\u0259r 20 milyarddan 28 milyarda \u00e7at\u0131b. T\u0259kc\u0259 \u00f6t\u0259n il bu istiqam\u0259td\u0259 20 faiz b\u00f6y\u00fcm\u0259 qeyd\u0259 al\u0131n\u0131b. 2025-ci ild\u0259 d\u0259 m\u00fcvafiq t\u0259l\u0259bin art\u0131m dinamikas\u0131 m\u00fc\u015fahid\u0259 olunmaqdad\u0131r. \u00dc\u00e7\u00fcnc\u00fc s\u0259b\u0259b is\u0259 M\u0259rk\u0259zi Bank\u0131n t\u0259m\u0259rk\u00fczl\u0259\u015fm\u0259 il\u0259 m\u00fcbariz\u0259 t\u0259dbirl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259tbiq etdiyi \u00e7\u0259r\u00e7iv\u0259l\u0259rin sistem \u0259h\u0259miyy\u0259tli banklara m\u00fcnasib\u0259td\u0259 s\u0259rtl\u0259\u015fdirilm\u0259sidir. Bu da banklar\u0131n x\u0259rcini art\u0131r\u0131r v\u0259 onlar\u0131n faiz d\u0259r\u0259c\u0259sinin artmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r. Diqq\u0259t ets\u0259niz, ipoteka faizl\u0259ri \u00f6t\u0259n ild\u0259n k\u0259skin \u015f\u0259kild\u0259 bahala\u015f\u0131b. \u018fslind\u0259 orta faiz d\u0259r\u0259c\u0259sini a\u015fa\u011f\u0131 salan \u0259sas amill\u0259rd\u0259n biri g\u00fcz\u0259\u015ftli \u015f\u0259rtl\u0259rl\u0259 veril\u0259n ipoteka kreditl\u0259ridir. Bu kreditl\u0259rin faizl\u0259rinin artmas\u0131 da orta kredit faizl\u0259rinin artmas\u0131na s\u0259b\u0259b kimi g\u00f6st\u0259ril\u0259 bil\u0259r\u201d.<\/p>\n

Nigar H\u018fS\u018fNL\u0130,<\/p>\n

\u201cYeni M\u00fcsavat\u201d<\/p>\n

 <\/p>\n

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

Y\u00fcks\u0259l\u0259n kredit faizl\u0259rinin iqtisadiyyata t\u0259siri: n\u0259l\u0259r d\u0259yi\u015fir? Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) a\u00e7\u0131qlad\u0131\u011f\u0131 son m\u0259lumatlara g\u00f6r\u0259, \u00f6lk\u0259d\u0259 kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si 13,65%-\u0259 \u00e7at\u0131b. Bu, c\u0259lb olunmu\u015f v\u0259saitl\u0259rin d\u0259y\u0259rinin 12,74%-i \u00f6tm\u0259diyi \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 0,91 faiz b\u0259ndi \u00e7oxdur. Faiz d\u0259r\u0259c\u0259l\u0259rind\u0259 art\u0131m h\u0259m milli valyutada (14,4%-d\u0259n 15,04%-\u0259 q\u0259d\u0259r), h\u0259m d\u0259 xarici valyutada (5,34%-d\u0259n 5,66%-\u0259) veril\u0259n kreditl\u0259r \u00fczr\u0259 qeyd\u0259 al\u0131n\u0131b. Verilmi\u015f b\u00fct\u00fcn kreditl\u0259rin 76%-d\u0259n \u00e7oxu, y\u0259ni 28,4 milyard manat\u0131 paytaxtdad\u0131r. Bak\u0131da orta faiz d\u0259r\u0259c\u0259si 12,29% t\u0259\u015fkil edir. \u00d6lk\u0259nin rayonlar\u0131nda bu g\u00f6st\u0259rici xeyli y\u00fcks\u0259kdir. \u018fn y\u00fcks\u0259k g\u00f6st\u0259rici Da\u011fl\u0131q \u015eirvan iqtisadi rayonunda…<\/p>\n","protected":false},"author":2,"featured_media":815564,"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\/07\/ef7f3834193e73f1c2e0025fcce3607f.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/ef7f3834193e73f1c2e0025fcce3607f.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":"Y\u00fcks\u0259l\u0259n kredit faizl\u0259rinin iqtisadiyyata t\u0259siri: n\u0259l\u0259r d\u0259yi\u015fir? Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) a\u00e7\u0131qlad\u0131\u011f\u0131 son m\u0259lumatlara g\u00f6r\u0259, \u00f6lk\u0259d\u0259 kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si 13,65%-\u0259 \u00e7at\u0131b. Bu, c\u0259lb olunmu\u015f v\u0259saitl\u0259rin d\u0259y\u0259rinin 12,74%-i \u00f6tm\u0259diyi \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 0,91 faiz b\u0259ndi \u00e7oxdur. Faiz d\u0259r\u0259c\u0259l\u0259rind\u0259 art\u0131m h\u0259m milli valyutada (14,4%-d\u0259n 15,04%-\u0259 q\u0259d\u0259r), h\u0259m d\u0259 xarici valyutada (5,34%-d\u0259n 5,66%-\u0259)…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/815563"}],"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=815563"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/815563\/revisions"}],"predecessor-version":[{"id":815566,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/815563\/revisions\/815566"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/815564"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=815563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=815563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=815563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}