Son ill\u0259rd\u0259 Az\u0259rbaycanda avtomobil \u0259ld\u0259 etm\u0259k ist\u0259y\u0259nl\u0259r \u00fc\u00e7\u00fcn kredit xidm\u0259ti g\u00f6st\u0259r\u0259n \u015f\u0259xsl\u0259r v\u0259 m\u00fc\u0259ssis\u0259l\u0259r yaran\u0131b. Bu vasit\u0259l\u0259rl\u0259 v\u0259t\u0259nda\u015flar avtomobilin sat\u0131\u015f qiym\u0259tinin m\u00fc\u0259yy\u0259n hiss\u0259sini \u0259vv\u0259lc\u0259d\u0259n \u00f6d\u0259m\u0259kl\u0259, qalan m\u0259bl\u0259\u011fi bir ne\u00e7\u0259 ay v\u0259 ya il \u0259rzind\u0259 hiss\u0259-hiss\u0259 \u00f6d\u0259y\u0259 bilirl\u0259r.<\/p>\n
B\u0259s, bu yollardan hans\u0131 daha s\u0259rf\u0259lidir? Lizinq yoxsa daxili kredit?<\/p>\n
M\u00f6vuz il\u0259 ba\u011fl\u0131 Trend-\u0259 a\u00e7\u0131qlamas\u0131nda \u0130qtisad\u00e7\u0131 ekspert Xalid K\u0259rimli bildirib ki, daxili kredit, yaxud lizinq daha s\u0259rf\u0259lidir dey\u0259 bir qayda yoxdur:<\/p>\n
“Burada konkret hallara \u0259sas\u0259n m\u00fcqayis\u0259 aparmaq laz\u0131md\u0131r. Y\u0259ni, universal qayda yoxdur ki, daxili kredit daha \u00e7ox \u0259lav\u0259 x\u0259rc t\u0259l\u0259b edir, yoxsa lizinq. Bu proses b\u0259z\u0259n eyni d\u0259 ola bil\u0259r; \u0259slind\u0259, lizinq daxili kreditin bir n\u00f6v\u00fcd\u00fcr”.<\/p>\n
“Bank v\u0259 BOKT kreditl\u0259ri aras\u0131nda n\u0259\u011fd kredit \u0259n yax\u015f\u0131 se\u00e7im kimi g\u00f6r\u00fcn\u00fcr. \u00c7\u00fcnki banklar\u0131n resurslar\u0131 dig\u0259rl\u0259rin\u0259 nisb\u0259t\u0259n daha ucuzdur. H\u0259m\u00e7inin b\u0259zi sahibkarlar \u00f6z v\u0259saitl\u0259rini d\u0259 yat\u0131rmaq imkan\u0131na malikdirl\u0259r. Y\u0259ni burada sahibkarlar \u00f6z resurslar\u0131n\u0131 d\u00f6vriyy\u0259y\u0259 qata bil\u0259rl\u0259r. Bu halda daxili kredit d\u0259 \u0259lveri\u015fli ola bil\u0259r. Amma bank kreditl\u0259ri \u00fcmumilikd\u0259 daha ucuzdur, BOKT kreditl\u0259ri is\u0259 nisb\u0259t\u0259n daha bahad\u0131r. Lizinq v\u0259 daxili kreditd\u0259 is\u0259 bel\u0259 bir v\u0259ziyy\u0259t yoxdur; sahibkar ist\u0259diyi kimi kredit ver\u0259 bil\u0259r. Burada \u0259sas m\u0259s\u0259l\u0259 pulun m\u0259nb\u0259yi v\u0259 bazar\u0131n v\u0259ziyy\u0259tidir. Ona g\u00f6r\u0259 d\u0259 konkret m\u00fcqayis\u0259 aparmaq laz\u0131md\u0131r”.<\/p>\n
N\u0259qliyyat m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Aslan \u018fs\u0259dov is\u0259 Trend-\u0259 qeyd edib ki, avtomobill\u0259rin al\u0131nmas\u0131 \u00fc\u00e7\u00fcn ist\u0259r daxili kredit, ist\u0259rs\u0259 d\u0259 lizinq \u015firk\u0259tl\u0259ri t\u0259r\u0259find\u0259n veril\u0259n q\u0259rarlar \u0259dal\u0259tli olmal\u0131d\u0131r:<\/p>\n
“Burada kreditin n\u00f6v\u00fcnd\u0259n as\u0131l\u0131 olmayaraq \u015f\u0259ffaf v\u0259 m\u00fcnasib kredit \u015f\u0259rtl\u0259ri t\u0259min olunmal\u0131d\u0131r. Y\u0259ni, faiz d\u0259r\u0259c\u0259l\u0259rinin hesablanmas\u0131, u\u00e7otun apar\u0131lmas\u0131, h\u0259m\u00e7inin daxili v\u0259 komissiya x\u0259rcl\u0259rinin tutulmas\u0131 m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn ayd\u0131n v\u0259 m\u0259qbul \u015f\u0259kild\u0259 t\u0259\u015fkil edilm\u0259lidir. \u018fks halda, m\u00fc\u015ft\u0259ril\u0259r bu c\u00fcr hallardan bez\u0259c\u0259k v\u0259 n\u0259qliyyat vasit\u0259si alma\u011fa maraq g\u00f6st\u0259rm\u0259y\u0259c\u0259kl\u0259r”.<\/p>\n","protected":false},"excerpt":{"rendered":"
Son ill\u0259rd\u0259 Az\u0259rbaycanda avtomobil \u0259ld\u0259 etm\u0259k ist\u0259y\u0259nl\u0259r \u00fc\u00e7\u00fcn kredit xidm\u0259ti g\u00f6st\u0259r\u0259n \u015f\u0259xsl\u0259r v\u0259 m\u00fc\u0259ssis\u0259l\u0259r yaran\u0131b. Bu vasit\u0259l\u0259rl\u0259 v\u0259t\u0259nda\u015flar avtomobilin sat\u0131\u015f qiym\u0259tinin m\u00fc\u0259yy\u0259n hiss\u0259sini \u0259vv\u0259lc\u0259d\u0259n \u00f6d\u0259m\u0259kl\u0259, qalan m\u0259bl\u0259\u011fi bir ne\u00e7\u0259 ay v\u0259 ya il \u0259rzind\u0259 hiss\u0259-hiss\u0259 \u00f6d\u0259y\u0259 bilirl\u0259r. B\u0259s, bu yollardan hans\u0131 daha s\u0259rf\u0259lidir? Lizinq yoxsa daxili kredit? M\u00f6vuz il\u0259 ba\u011fl\u0131 Trend-\u0259 a\u00e7\u0131qlamas\u0131nda \u0130qtisad\u00e7\u0131 ekspert Xalid K\u0259rimli bildirib ki, daxili kredit, yaxud lizinq daha s\u0259rf\u0259lidir dey\u0259 bir qayda yoxdur: “Burada konkret hallara \u0259sas\u0259n m\u00fcqayis\u0259 aparmaq laz\u0131md\u0131r. Y\u0259ni, universal qayda yoxdur ki, daxili kredit daha \u00e7ox \u0259lav\u0259 x\u0259rc t\u0259l\u0259b edir, yoxsa lizinq.…<\/p>\n","protected":false},"author":2,"featured_media":819086,"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\/08\/365978c6f74725da33872a50c8410cda.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/365978c6f74725da33872a50c8410cda.jpg",870,500,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Son ill\u0259rd\u0259 Az\u0259rbaycanda avtomobil \u0259ld\u0259 etm\u0259k ist\u0259y\u0259nl\u0259r \u00fc\u00e7\u00fcn kredit xidm\u0259ti g\u00f6st\u0259r\u0259n \u015f\u0259xsl\u0259r v\u0259 m\u00fc\u0259ssis\u0259l\u0259r yaran\u0131b. Bu vasit\u0259l\u0259rl\u0259 v\u0259t\u0259nda\u015flar avtomobilin sat\u0131\u015f qiym\u0259tinin m\u00fc\u0259yy\u0259n hiss\u0259sini \u0259vv\u0259lc\u0259d\u0259n \u00f6d\u0259m\u0259kl\u0259, qalan m\u0259bl\u0259\u011fi bir ne\u00e7\u0259 ay v\u0259 ya il \u0259rzind\u0259 hiss\u0259-hiss\u0259 \u00f6d\u0259y\u0259 bilirl\u0259r. B\u0259s, bu yollardan hans\u0131 daha s\u0259rf\u0259lidir? Lizinq yoxsa daxili kredit? M\u00f6vuz il\u0259 ba\u011fl\u0131 Trend-\u0259 a\u00e7\u0131qlamas\u0131nda \u0130qtisad\u00e7\u0131 ekspert Xalid…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/819085"}],"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=819085"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/819085\/revisions"}],"predecessor-version":[{"id":819087,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/819085\/revisions\/819087"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/819086"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=819085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=819085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=819085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}