{"id":815567,"date":"2025-07-11T10:33:35","date_gmt":"2025-07-11T06:33:35","guid":{"rendered":"https:\/\/arantv.az\/?p=815567"},"modified":"2025-07-11T10:33:35","modified_gmt":"2025-07-11T06:33:35","slug":"bank-v%c9%99-bokt-lardan-pul-almaq-ist%c9%99y%c9%99nl%c9%99r-bu-yazini-mutl%c9%99q-oxuyun","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=815567","title":{"rendered":"Bank v\u0259 BOKT-lardan pul almaq ist\u0259y\u0259nl\u0259r &#8211;  Bu yaz\u0131n\u0131 M\u00dcTL\u018fQ OXUYUN"},"content":{"rendered":"<p><strong>\u018fhalinin banklara olan borclar\u0131 durmadan art\u0131r v\u0259 bu kreditl\u0259rin bir qismi sonradan problemli kreditl\u0259r\u0259 \u00e7evrilir. 2025-ci ilin ilk 5 ay\u0131n\u0131n statistikas\u0131na g\u00f6r\u0259, istehlak kreditl\u0259ri 5,2 faiz, ipoteka kreditl\u0259ri is\u0259 3,7 faiz art\u0131b. Bu ilin 5 ay\u0131n\u0131 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259 etdikd\u0259 is\u0259 istehlak kreditl\u0259rinin portfeli banklarda 18,7 faiz, ipoteka kreditl\u0259rinin portfeli is\u0259 13,1 faiz y\u00fcks\u0259lib.<\/strong><\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131\u00a0<strong>Musavat.com<\/strong>-a dan\u0131\u015fan iqtisad\u00e7\u0131-ekspert Xalid K\u0259rimli bildirib ki, ilb\u0259il \u0259halinin kredit t\u0259l\u0259bat\u0131 art\u0131r. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu art\u0131m iqtisadiyyat\u0131n b\u00f6y\u00fcm\u0259si v\u0259 \u0259halinin istehlak s\u0259viyy\u0259sinin y\u00fcks\u0259lm\u0259si il\u0259 ba\u011fl\u0131d\u0131r. Daha \u00e7ox art\u0131m is\u0259 m\u0259nzil bazar\u0131nda, y\u0259ni ipoteka kreditl\u0259rin\u0259 olan t\u0259l\u0259batda m\u00fc\u015fahid\u0259 olunur.<\/p>\n<p><em><strong>X. K\u0259rimli problemli kreditl\u0259r\u0259 d\u0259 toxunub:<\/strong><\/em><\/p>\n<p>\u201cQeyri-i\u015fl\u0259k (problemli) kreditl\u0259rin say\u0131 Az\u0259rbaycanda \u0259sas\u0259n istehlak kreditl\u0259ri \u00fczr\u0259 art\u0131b. \u0130lin \u0259vv\u0259lind\u0259 istehlak kreditl\u0259rind\u0259 problemli kreditl\u0259rin pay\u0131 2,9 faizd\u0259n 3,6 faiz\u0259 y\u00fcks\u0259lib ki, bu da 0,7 faiz b\u0259ndi art\u0131m dem\u0259kdir. \u0130poteka kreditl\u0259rind\u0259 is\u0259 ilin \u0259vv\u0259lind\u0259n d\u0259yi\u015fiklik m\u00fc\u015fahid\u0259 olunmay\u0131b. \u0130stehlak kreditl\u0259rind\u0259 pisl\u0259\u015fm\u0259 daha \u00e7oxdur.\u201d<\/p>\n<p><em><strong>Ekspertin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, banklar v\u0259t\u0259nda\u015flara kredit ver\u0259rk\u0259n onlar\u0131n borclar\u0131n\u0131n g\u0259lir\u0259 nisb\u0259tin\u0259 diqq\u0259t edirl\u0259r:<\/strong><\/em><\/p>\n<p>\u201cAy \u0259rzind\u0259 \u00f6d\u0259nil\u0259n borcun m\u0259bl\u0259\u011fi ail\u0259nin orta ayl\u0131q g\u0259lirinin 45 faizini ke\u00e7m\u0259m\u0259lidir. X\u00fcsusi hallarda bu nisb\u0259t 70 faiz\u0259 q\u0259d\u0259r arta bil\u0259r. Lakin bel\u0259 hallarda m\u00fctl\u0259q girov v\u0259 ehtiyat t\u0259l\u0259b olunur. Banklar ad\u0259t\u0259n 45 faiz\u0259 q\u0259d\u0259r kredit verir, 70 faiz\u0259 is\u0259 x\u00fcsusi hallarda v\u0259 \u0259lav\u0259 t\u0259minatla raz\u0131la\u015f\u0131rlar. M\u0259rk\u0259zi Bank da bildirir ki, 45 faiz\u0259d\u0259k borclanma rahatd\u0131r, 70 faiz\u0259d\u0259k is\u0259 \u0259lav\u0259 t\u0259dbirl\u0259r g\u00f6rm\u0259kl\u0259 m\u00fcmk\u00fcnd\u00fcr.\u201d<\/p>\n<p><em><strong>Xalid K\u0259rimli bildirib ki, banklar son zamanlar davran\u0131\u015f \u0259sasl\u0131 maliyy\u0259l\u0259\u015fdirm\u0259 (behavioral lending) modelind\u0259n istifad\u0259 edirl\u0259r:<\/strong><\/em><\/p>\n<p>\u201cV\u0259t\u0259nda\u015flar\u0131n bank kartlar\u0131na daxil olan v\u0259saitl\u0259r\u0259, x\u0259rcl\u0259m\u0259 davran\u0131\u015flar\u0131na baxaraq, b\u0259z\u0259n r\u0259smi g\u0259lir aray\u0131\u015f\u0131 t\u0259l\u0259b etm\u0259d\u0259n kredit verirl\u0259r. Amma bel\u0259 kreditl\u0259rin \u00fcmumi portfeld\u0259ki pay\u0131 10 faizd\u0259n \u00e7ox ola bilm\u0259z&#8221;.<\/p>\n<p><em><strong>Ekspert h\u0259m\u00e7inin Bank Olmayan Kredit T\u0259\u015fkilatlar\u0131n\u0131n (BOKT) y\u00fcks\u0259k faiz d\u0259r\u0259c\u0259l\u0259rinin s\u0259b\u0259bl\u0259rini d\u0259 izah edib:<\/strong><\/em><\/p>\n<p>\u201cBOKT-lar depozit q\u0259bul etmirl\u0259r v\u0259 cari hesab qal\u0131\u011f\u0131 yaratm\u0131rlar. Onlar\u0131n \u0259sas maliyy\u0259 m\u0259nb\u0259yi banklardan ald\u0131qlar\u0131 kreditl\u0259rdir. H\u0259min kreditl\u0259rin \u00fcz\u0259rin\u0259 \u00f6z x\u0259rcl\u0259rini \u0259lav\u0259 ed\u0259r\u0259k m\u00fc\u015ft\u0259ril\u0259r\u0259 verir v\u0259 n\u0259tic\u0259d\u0259 faiz d\u0259r\u0259c\u0259l\u0259ri daha y\u00fcks\u0259k olur. \u00dcst\u0259lik, BOKT-lara daha riskli m\u00fc\u015ft\u0259ril\u0259r m\u00fcraci\u0259t etdiyind\u0259n riskl\u0259r d\u0259 y\u00fcks\u0259kdir&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u018fhalinin banklara olan borclar\u0131 durmadan art\u0131r v\u0259 bu kreditl\u0259rin bir qismi sonradan problemli kreditl\u0259r\u0259 \u00e7evrilir. 2025-ci ilin ilk 5 ay\u0131n\u0131n statistikas\u0131na g\u00f6r\u0259, istehlak kreditl\u0259ri 5,2 faiz, ipoteka kreditl\u0259ri is\u0259 3,7 faiz art\u0131b. Bu ilin 5 ay\u0131n\u0131 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259 etdikd\u0259 is\u0259 istehlak kreditl\u0259rinin portfeli banklarda 18,7 faiz, ipoteka kreditl\u0259rinin portfeli is\u0259 13,1 faiz y\u00fcks\u0259lib. M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131\u00a0Musavat.com-a dan\u0131\u015fan iqtisad\u00e7\u0131-ekspert Xalid K\u0259rimli bildirib ki, ilb\u0259il \u0259halinin kredit t\u0259l\u0259bat\u0131 art\u0131r. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu art\u0131m iqtisadiyyat\u0131n b\u00f6y\u00fcm\u0259si v\u0259 \u0259halinin istehlak s\u0259viyy\u0259sinin y\u00fcks\u0259lm\u0259si il\u0259 ba\u011fl\u0131d\u0131r. Daha \u00e7ox art\u0131m is\u0259 m\u0259nzil&hellip;<\/p>\n","protected":false},"author":2,"featured_media":815568,"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":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6.jpg",620,412,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6.jpg",620,412,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6.jpg",620,412,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6-549x365.jpg",549,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6.jpg",620,412,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6.jpg",620,412,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6.jpg",620,412,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/cd4c412be768d2748935a96947003fd6.jpg",620,412,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=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"\u018fhalinin banklara olan borclar\u0131 durmadan art\u0131r v\u0259 bu kreditl\u0259rin bir qismi sonradan problemli kreditl\u0259r\u0259 \u00e7evrilir. 2025-ci ilin ilk 5 ay\u0131n\u0131n statistikas\u0131na g\u00f6r\u0259, istehlak kreditl\u0259ri 5,2 faiz, ipoteka kreditl\u0259ri is\u0259 3,7 faiz art\u0131b. Bu ilin 5 ay\u0131n\u0131 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259 etdikd\u0259 is\u0259 istehlak kreditl\u0259rinin portfeli banklarda 18,7 faiz, ipoteka kreditl\u0259rinin portfeli is\u0259 13,1&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/815567"}],"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=815567"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/815567\/revisions"}],"predecessor-version":[{"id":815569,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/815567\/revisions\/815569"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/815568"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=815567"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=815567"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=815567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}