{"id":818668,"date":"2025-08-01T22:21:45","date_gmt":"2025-08-01T18:21:45","guid":{"rendered":"https:\/\/arantv.az\/?p=818668"},"modified":"2025-08-01T22:21:45","modified_gmt":"2025-08-01T18:21:45","slug":"kredit-kartlari-il%c9%99-bagli-vacib-d%c9%99yisiklik-limitl%c9%99r-azaldildi","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=818668","title":{"rendered":"Kredit kartlar\u0131 il\u0259 ba\u011fl\u0131 vacib D\u018fY\u0130\u015e\u0130KL\u0130K: Limitl\u0259r azald\u0131ld\u0131"},"content":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) istehlak kredit kartlar\u0131 (kredit x\u0259tl\u0259ri) \u00fczr\u0259 borclanman\u0131n daha m\u0259suliyy\u0259tli v\u0259 sa\u011flam apar\u0131lmas\u0131 \u00fc\u00e7\u00fcn t\u0259nziml\u0259yici \u00e7\u0259r\u00e7iv\u0259ni g\u00fccl\u0259ndirib.<\/strong><\/p>\n

AMB-d\u0259n\u00a0Musavat.com-<\/strong>a bildirilib ki, q\u0259bul olunmu\u015f requlyativ d\u0259yi\u015fiklikl\u0259rin \u0259sas diqq\u0259ti \u0259halinin izafi borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 v\u0259 bank sisteminin kapital dayan\u0131ql\u0131\u011f\u0131n\u0131n t\u0259min edilm\u0259sin\u0259 y\u00f6n\u0259lib.<\/p>\n

M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n apar\u0131lan t\u0259hlill\u0259r \u00e7\u0259r\u00e7iv\u0259sind\u0259, son d\u00f6vrl\u0259rd\u0259 istehlak krediti seqmentind\u0259 kredit kartlar\u0131n\u0131n y\u00fcks\u0259k art\u0131m dinamikas\u0131 m\u00fc\u015fahid\u0259 edilib. Qeyd olunmal\u0131d\u0131r ki, bu tendensiya \u0259halinin s\u0259r\u0259ncam\u0131nda qalan g\u0259lirl\u0259rind\u0259 m\u00fcsb\u0259t art\u0131m fonunda olsa da, borc y\u00fck\u00fcn\u00fcn s\u0259r\u0259ncamda qalan g\u0259lird\u0259 pay\u0131n\u0131n art\u0131m\u0131 il\u0259 d\u0259 m\u00fc\u015fayi\u0259t olunub.<\/p>\n

D\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, borcalan\u0131n kredit kart\u0131 onun xalis vergid\u0259n sonrak\u0131 g\u0259lirinin maksimum 5 misli il\u0259 m\u0259hdudla\u015fd\u0131r\u0131l\u0131r. S\u00f6z\u00fcged\u0259n limit borcalan\u0131n dig\u0259r kredit t\u0259\u015fkilatlar\u0131na qar\u015f\u0131 \u00f6hd\u0259likl\u0259rini d\u0259 n\u0259z\u0259r\u0259 almaqla hesablan\u0131r. Bu, \u0259halinin istehlak kredit kartlar\u0131 \u00fczr\u0259 borclanma imkanlar\u0131n\u0131 borcalanlar\u0131n real \u00f6d\u0259m\u0259 qabiliyy\u0259tini \u0259ks etdir\u0259n maliyy\u0259 g\u00f6st\u0259ricil\u0259rini n\u0259z\u0259r\u0259 alma\u011fa v\u0259 banklar t\u0259r\u0259find\u0259n riskl\u0259rin daha erk\u0259n m\u0259rh\u0259l\u0259d\u0259 tan\u0131yaraq minimalla\u015fd\u0131rma\u011fa imkan ver\u0259c\u0259k. Qeyd ed\u0259k ki, na\u011fd v\u0259saitl\u0259rl\u0259, habel\u0259 bank v\u0259 qiym\u0259tli metallarla t\u0259min edilmi\u015f kredit x\u0259tl\u0259ri borcalan\u0131n xalis vergid\u0259n sonrak\u0131 g\u0259lirinin 5 misli normativinin hesablanmas\u0131ndan istisna edilir. Yeni t\u0259l\u0259b\u0259 \u0259sas\u0259n, bu limitd\u0259n art\u0131q olan istehlak kredit x\u0259tl\u0259rinin m\u0259cmu miqdar\u0131 bank\u0131n tutulmalardan sonra I d\u0259r\u0259c\u0259li kapital\u0131n\u0131n 1 faizind\u0259n art\u0131q olmamal\u0131d\u0131r.<\/p>\n

Yeni requlyativ t\u0259l\u0259bl\u0259r banklar\u0131n m\u0259suliyy\u0259tli kreditl\u0259\u015fm\u0259 t\u0259cr\u00fcb\u0259sini t\u0259\u015fviq etm\u0259kl\u0259 yana\u015f\u0131, istehlak\u00e7\u0131n\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259tin\u0259 uy\u011fun borclanman\u0131n t\u0259min olunmas\u0131na xidm\u0259t ed\u0259c\u0259k. Bu yana\u015fma, M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n t\u0259tbiq olunan istehlak kreditl\u0259ri \u00fczr\u0259 m\u0259suliyy\u0259tli v\u0259 sa\u011flam borclanma siyas\u0259ti il\u0259 uy\u011funluq t\u0259\u015fkil ed\u0259r\u0259k, \u0259halinin maliyy\u0259 y\u00fck\u00fcn\u00fcn izafi artmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaqla sosial riskl\u0259rin minimuma endirilm\u0259sini h\u0259d\u0259fl\u0259yir.<\/p>\n

T\u0259sdiql\u0259nmi\u015f dig\u0259r d\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, overdraft limitl\u0259ri kredit x\u0259tl\u0259ri anlay\u0131\u015f\u0131na daxil edilib, istehlak kreditl\u0259rinin x\u00fcsusiyy\u0259tl\u0259ri n\u0259z\u0259r\u0259 al\u0131nmaqla istehlak kredit kartlar\u0131 \u00fczr\u0259 kredit\u0259 konvertasiya \u0259msal\u0131 40 faiz m\u00fc\u0259yy\u0259n edilib. \u0130stehlak kredit x\u0259tl\u0259rinin balansdank\u0259nar hesablarda oldu\u011fu m\u00fcdd\u0259td\u0259 h\u0259min x\u0259tl\u0259r \u00fczr\u0259 100 faiz risk d\u0259r\u0259c\u0259si t\u0259tbiq edil\u0259c\u0259k. Bu yana\u015fma banklar\u0131n kapital adekvatl\u0131\u011f\u0131 g\u00f6st\u0259ricil\u0259rinin real risk s\u0259viyy\u0259l\u0259rin\u0259 uy\u011fun olmas\u0131na v\u0259 sistem sabitliyinin qorunmas\u0131na imkan ver\u0259c\u0259k.<\/p>\n

M\u0259rk\u0259zi Bank\u0131n m\u00fcvafiq qaydalar\u0131na edilmi\u015f dig\u0259r d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, a\u015fa\u011f\u0131 riskli olmas\u0131 n\u0259z\u0259r\u0259 al\u0131naraq “A-” kredit reytinqin\u0259 malik \u00e7oxt\u0259r\u0259fli inki\u015faf banklar\u0131 t\u0259r\u0259find\u0259n burax\u0131lm\u0131\u015f qiym\u0259tli ka\u011f\u0131zlar aktivl\u0259rin y\u00fcks\u0259k keyfiyy\u0259tli kateqoriyas\u0131na aid edilib v\u0259 banklar t\u0259r\u0259find\u0259n onlar \u00fczr\u0259 \u0259lav\u0259 ehtiyat yarad\u0131lmas\u0131 t\u0259l\u0259bi istisna olunub.<\/p>\n

H\u0259m\u00e7inin qeyd olunmal\u0131d\u0131r ki, bank sektorunun real iqtisadiyyat\u0131 maliyy\u0259l\u0259\u015fdirm\u0259si m\u0259s\u0259l\u0259l\u0259ri M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n daim diqq\u0259t m\u0259rk\u0259zind\u0259 saxlan\u0131l\u0131r. Bu \u00e7\u0259r\u00e7iv\u0259d\u0259, M\u0259rk\u0259zi Bank\u0131n banklar t\u0259r\u0259find\u0259n aktivl\u0259rin t\u0259snifl\u0259\u015fdirilm\u0259si t\u0259l\u0259bl\u0259rini \u0259ks etdir\u0259n aidiyy\u0259ti qaydalar\u0131nda m\u00fcvafiq d\u0259yi\u015fiklik edilib. Bel\u0259 ki, s\u00f6z\u00fcged\u0259n qaydalarda n\u0259z\u0259rd\u0259 tutulan borcalan\u0131n z\u0259r\u0259rl\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259si anlay\u0131\u015f\u0131 d\u0259qiql\u0259\u015fdirilib. D\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, borcalan\u0131n z\u0259r\u0259rl\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259si dedikd\u0259 xalis z\u0259r\u0259r deyil, sahibkarl\u0131q subyektinin faiz, vergi v\u0259 amortizasiya hesablanmazdan \u0259vv\u0259lki m\u0259nf\u0259\u0259t g\u00f6st\u0259ricisinin (EBITDA) onun c\u0259mi faiz x\u0259rcl\u0259rind\u0259n az olmas\u0131 v\u0259 ya m\u0259nfi olmas\u0131 meyar olaraq m\u00fc\u0259yy\u0259n edilib. Bu, banklar t\u0259r\u0259find\u0259n biznes kreditl\u0259\u015fm\u0259si \u00e7\u0259r\u00e7iv\u0259sind\u0259 sahibkarl\u0131q subyektl\u0259rinin iqtisadi f\u0259aliyy\u0259tinin s\u0259m\u0259r\u0259liliyinin daha real qiym\u0259tl\u0259ndirilm\u0259sin\u0259 v\u0259 kredit riskl\u0259rinin daha adekvat idar\u0259 olunmas\u0131na \u015f\u0259rait yarad\u0131r.<\/p>\n

T\u0259sdiq olunmu\u015f d\u0259yi\u015fiklikl\u0259ri a\u015fa\u011f\u0131dak\u0131 ke\u00e7id vasit\u0259sil\u0259 n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259k m\u00fcmk\u00fcnd\u00fcr:\u00a0https:\/\/e-qanun.az\/framework\/60285<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) istehlak kredit kartlar\u0131 (kredit x\u0259tl\u0259ri) \u00fczr\u0259 borclanman\u0131n daha m\u0259suliyy\u0259tli v\u0259 sa\u011flam apar\u0131lmas\u0131 \u00fc\u00e7\u00fcn t\u0259nziml\u0259yici \u00e7\u0259r\u00e7iv\u0259ni g\u00fccl\u0259ndirib. AMB-d\u0259n\u00a0Musavat.com-a bildirilib ki, q\u0259bul olunmu\u015f requlyativ d\u0259yi\u015fiklikl\u0259rin \u0259sas diqq\u0259ti \u0259halinin izafi borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 v\u0259 bank sisteminin kapital dayan\u0131ql\u0131\u011f\u0131n\u0131n t\u0259min edilm\u0259sin\u0259 y\u00f6n\u0259lib. M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n apar\u0131lan t\u0259hlill\u0259r \u00e7\u0259r\u00e7iv\u0259sind\u0259, son d\u00f6vrl\u0259rd\u0259 istehlak krediti seqmentind\u0259 kredit kartlar\u0131n\u0131n y\u00fcks\u0259k art\u0131m dinamikas\u0131 m\u00fc\u015fahid\u0259 edilib. Qeyd olunmal\u0131d\u0131r ki, bu tendensiya \u0259halinin s\u0259r\u0259ncam\u0131nda qalan g\u0259lirl\u0259rind\u0259 m\u00fcsb\u0259t art\u0131m fonunda olsa da, borc y\u00fck\u00fcn\u00fcn s\u0259r\u0259ncamda qalan g\u0259lird\u0259 pay\u0131n\u0131n art\u0131m\u0131 il\u0259 d\u0259 m\u00fc\u015fayi\u0259t olunub. D\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, borcalan\u0131n kredit kart\u0131…<\/p>\n","protected":false},"author":2,"featured_media":818676,"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\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,false],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/e56950586e3fc71ab4122a3b089a78ed.jpg",640,360,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\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB) istehlak kredit kartlar\u0131 (kredit x\u0259tl\u0259ri) \u00fczr\u0259 borclanman\u0131n daha m\u0259suliyy\u0259tli v\u0259 sa\u011flam apar\u0131lmas\u0131 \u00fc\u00e7\u00fcn t\u0259nziml\u0259yici \u00e7\u0259r\u00e7iv\u0259ni g\u00fccl\u0259ndirib. AMB-d\u0259n\u00a0Musavat.com-a bildirilib ki, q\u0259bul olunmu\u015f requlyativ d\u0259yi\u015fiklikl\u0259rin \u0259sas diqq\u0259ti \u0259halinin izafi borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 v\u0259 bank sisteminin kapital dayan\u0131ql\u0131\u011f\u0131n\u0131n t\u0259min edilm\u0259sin\u0259 y\u00f6n\u0259lib. M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n apar\u0131lan t\u0259hlill\u0259r \u00e7\u0259r\u00e7iv\u0259sind\u0259, son d\u00f6vrl\u0259rd\u0259 istehlak krediti seqmentind\u0259 kredit kartlar\u0131n\u0131n…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/818668"}],"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=818668"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/818668\/revisions"}],"predecessor-version":[{"id":818677,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/818668\/revisions\/818677"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/818676"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=818668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=818668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=818668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}