{"id":819149,"date":"2025-08-05T14:41:05","date_gmt":"2025-08-05T10:41:05","guid":{"rendered":"https:\/\/arantv.az\/?p=819149"},"modified":"2025-08-05T14:41:05","modified_gmt":"2025-08-05T10:41:05","slug":"kredit-karti-olanlarin-diqq%c9%99tin%c9%99-yeni-t%c9%99l%c9%99b-var","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=819149","title":{"rendered":"Kredit kart\u0131 olanlar\u0131n diqq\u0259tin\u0259: Yeni t\u0259l\u0259b var"},"content":{"rendered":"

M\u0259rk\u0259zi Bank\u0131n limit q\u0259rar\u0131nda m\u0259qs\u0259d n\u0259dir?<\/strong><\/p>\n

X\u0259b\u0259r verdiyimiz kimi, M\u0259rk\u0259zi Bank (AMB) istehlak kredit kartlar\u0131 \u00fczr\u0259 t\u0259nziml\u0259m\u0259l\u0259r\u0259 d\u0259yi\u015fiklik edib. T\u0259nziml\u0259yicinin q\u0259bul etdiyi yeni qaydalara \u0259sas\u0259n, borcalan\u0131n kredit x\u0259tti limiti (b\u00fct\u00fcn kredit t\u0259\u015fkilatlar\u0131 qar\u015f\u0131s\u0131ndak\u0131 \u00f6hd\u0259likl\u0259r n\u0259z\u0259r\u0259 al\u0131nmaqla) onun xalis g\u0259lirinin 5 misli il\u0259 m\u0259hdudla\u015fd\u0131r\u0131l\u0131b. H\u0259m\u00e7inin overdraft limitl\u0259ri kredit x\u0259tl\u0259ri anlay\u0131\u015f\u0131na daxil edilib. \u0130stehlak kredit kartlar\u0131n\u0131n balansdan k\u0259nar hiss\u0259si \u00fczr\u0259 kredit\u0259 konvertasiya \u0259msal\u0131 40 faiz m\u00fc\u0259yy\u0259n olunub.<\/em><\/p>\n

M\u0259rk\u0259zi Bank\u0131n \u0259sasland\u0131rmas\u0131na g\u00f6r\u0259, d\u0259yi\u015fiklikl\u0259rin m\u0259qs\u0259di \u0259halinin h\u0259ddind\u0259n art\u0131q borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq v\u0259 bank sektorunun dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 qorumaqd\u0131r. AMB-nin t\u0259hlill\u0259rin\u0259 g\u00f6r\u0259, son d\u00f6vrl\u0259rd\u0259 kredit kartlar\u0131n\u0131n h\u0259cmi s\u00fcr\u0259tl\u0259 art\u0131b v\u0259 bu, borc y\u00fck\u00fcn\u00fcn d\u0259 y\u00fcks\u0259lm\u0259si il\u0259 m\u00fc\u015fayi\u0259t olunub.<\/p>\n

Yeni qaydalara \u0259sas\u0259n, na\u011fd v\u0259saitl\u0259, bank v\u0259 qiym\u0259tli metallarla t\u0259min edilmi\u015f kredit x\u0259tl\u0259ri bu limitin hesablanmas\u0131ndan istisna edilir. H\u0259m\u00e7inin bu limitd\u0259n art\u0131q olan istehlak kredit x\u0259tl\u0259rinin \u00fcmumi m\u0259bl\u0259\u011fi bank\u0131n tutulmalardan sonra I d\u0259r\u0259c\u0259li kapital\u0131n\u0131n 1 faizind\u0259n \u00e7ox olmamal\u0131d\u0131r.<\/p>\n

\"\u018fkr\u0259m<\/p>\n

\u018fkr\u0259m H\u0259s\u0259nov<\/strong><\/p>\n

Bank sah\u0259si \u00fczr\u0259 ekspert \u018fkr\u0259m H\u0259s\u0259novun \u201cYeni M\u00fcsavat\u201da dediyin\u0259 g\u00f6r\u0259, M\u0259rk\u0259zi Bank\u0131n bu q\u0259rar\u0131n\u0131n h\u0259m sosial, h\u0259m d\u0259 iqtisadi s\u0259b\u0259bl\u0259ri var:<\/strong>\u00a0\u201c\u018fsas m\u0259qs\u0259d istehlak kreditl\u0259rinin art\u0131m\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaqd\u0131r. Bundan \u0259lav\u0259, bir ne\u00e7\u0259 altm\u0259qs\u0259d d\u0259 var. Bunlardan biri sosial xarakterlidir. M\u0259rk\u0259zi Bank g\u00f6r\u00fcr ki, \u0259hali s\u00fcr\u0259tl\u0259 borclan\u0131r, insanlar bir \u00e7ox hallarda g\u0259lirinin qaytarma\u011fa yetm\u0259y\u0259c\u0259k q\u0259d\u0259r kredit g\u00f6t\u00fcr\u00fcr, sonra da qaytara bilmirl\u0259r. Bu da son n\u0259tic\u0259d\u0259 sosial probleml\u0259r\u0259 s\u0259b\u0259b olur. Buna g\u00f6r\u0259 d\u0259 M\u0259rk\u0259zi Bank a\u00e7\u0131q \u015f\u0259kild\u0259 b\u0259yan etdi ki, tutal\u0131m, xalis ayl\u0131q g\u0259liri min manat olan adam b\u00fct\u00fcn banklardan birlikd\u0259 5 min manatl\u0131q kredit kart\u0131 g\u00f6t\u00fcr\u0259 bil\u0259r. Bundan art\u0131\u011f\u0131 verilm\u0259y\u0259c\u0259k\u201d.<\/p>\n

Ekspert bildirir ki, Az\u0259rbaycan banklar\u0131 istehlak kreditl\u0259rini daha h\u0259v\u0259sl\u0259 verirl\u0259r: \u201cBanklar \u00fc\u00e7\u00fcn krediti biznesd\u0259ns\u0259, v\u0259t\u0259nda\u015fdan almaq daha rahatd\u0131r. \u018fvv\u0259la, istehlak kreditinin faizi y\u00fcks\u0259k, m\u00fcdd\u0259ti azd\u0131r – bank daha q\u0131sa m\u00fcdd\u0259td\u0259 daha y\u00fcks\u0259k faiz g\u0259liri \u0259ld\u0259 edir. \u0130kincisi, qayatr\u0131lmas\u0131nda problem yarand\u0131qda, sad\u0259 v\u0259t\u0259nda\u015f\u0131n \u00fcst\u00fcn\u0259 getm\u0259k, m\u0259hk\u0259m\u0259d\u0259 \u00f6z\u00fcn\u0259 s\u0259rf ed\u0259n q\u0259rar almaq daha asand\u0131r, kollektorlar adi v\u0259t\u0259nda\u015f\u0131 daha tez borcunu \u00f6d\u0259m\u0259y\u0259 m\u0259cbur ed\u0259 bilir. Biznes\u0259 m\u00fcnasib\u0259td\u0259 bunlar\u0131 etm\u0259k m\u00fcmk\u00fcn olmur, yaxud \u00e7\u0259tin olur. M\u0259rk\u0259zi Bank\u0131n kredit kartlar\u0131na limit m\u0259hdudiyy\u0259ti qoymas\u0131n\u0131n bir m\u0259qs\u0259di d\u0259 m\u0259hz banklar\u0131 biznes kreditl\u0259rin\u0259 y\u00f6n\u0259ltm\u0259kdir. \u0130qtisadiyyat\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn bel\u0259 kreditl\u0259r\u0259 ehtiyac var, banklar likvid v\u0259saitl\u0259rini bura y\u00f6n\u0259ltm\u0259lidil\u0259r\u201d.<\/p>\n

R\u0259smi m\u0259lumata g\u00f6r\u0259, bu il iyulun 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 527,4 milyon manat t\u0259\u015fkil edib. Bu, iyunun 1-i il\u0259 m\u00fcqayis\u0259d\u0259 3,8 faiz \u00e7oxdur. \u00d6lk\u0259d\u0259 problemli kreditl\u0259rin m\u0259bl\u0259\u011fi ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 17,4\u00a0 faiz, son 1 ild\u0259 is\u0259 16,75 faiz art\u0131b. \u0130yunun sonuna vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,7 faiz t\u0259\u015fkil edib. Bu nisb\u0259t may\u0131n sonuna da 1,7 faiz, \u00f6t\u0259n il dekabr\u0131n sonuna 1,5 faiz, \u00f6t\u0259n il iyunun sonuna is\u0259 1,7 faiz olub.<\/p>\n

Bir s\u0131ra m\u00fct\u0259x\u0259ssisl\u0259r problemli kreditl\u0259rin artmas\u0131nda \u0259sas rolun istehlak kreditl\u0259rin\u0259 m\u0259xsus oldu\u011funu bildirirl\u0259r. 2015-2016-c\u0131 ill\u0259rin devalvasiyalar\u0131ndan sonra yaranan problemli kredit b\u00f6hran\u0131ndan sonra M\u0259rk\u0259zi Bank istehlak kreditl\u0259rinin s\u0259rtl\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn banklarla i\u015f apard\u0131. Bir ne\u00e7\u0259 ild\u0259n sonra bel\u0259 kreditl\u0259rin \u00fcmumi kredit portfelind\u0259ki pay\u0131n\u0131 azaltmaq m\u00fcmk\u00fcn oldu. Lakin son ill\u0259rd\u0259 Az\u0259rbaycanda yenid\u0259n istehlak kreditl\u0259rinin davaml\u0131 art\u0131m\u0131 diqq\u0259ti c\u0259lb edir. R\u0259smi statistikaya n\u0259z\u0259r salsaq g\u00f6r\u0259rik ki, 2020-ci ill\u0259 m\u00fcqayis\u0259d\u0259 bel\u0259 kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 3 d\u0259f\u0259y\u0259 yax\u0131n art\u0131b.<\/p>\n

G\u00f6st\u0259ricil\u0259rin illik m\u00fcqayis\u0259si g\u00f6st\u0259rir ki, son bir ild\u0259 banklar\u0131n kredit portfelind\u0259ki art\u0131m\u0131n h\u0259r\u0259k\u0259tverici q\u00fcvv\u0259si istehlak kreditl\u0259ri olub. Bel\u0259 ki, M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na \u0259sas\u0259n 2025-ci ilin iyun ay\u0131nda may ay\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 banklar\u0131n kredit portfeli 0.3 faiz v\u0259 ya 85,6 milyon manat artaraq 28 milyard 472,1 milyon manata \u00e7at\u0131b. 30 iyun 2025-ci il tarixind\u0259 banklar\u0131n kredit portfelinin strukturu bel\u0259 olub: biznes kreditl\u0259ri 53,2 faiz\u00a0 v\u0259 ya 15 milyard 143,7 milyon manat (2024-c\u00fc ilin eyni d\u00f6vr\u00fcnd\u0259 54,6 faiz v\u0259 ya 13 milyard 874,8 milyon manat); istehlak kreditl\u0259ri – 31,3 faiz v\u0259 ya 8 milyard 898,3 milyon manat (30 faiz v\u0259 ya 7 milyard 633,8 milyon manat);\u00a0 ipoteka kreditl\u0259ri – 15,5 faiz v\u0259 ya 4 milyard 430,2 milyon mana (15,4 faiz v\u0259 ya 3 milyard 920,8 milyon manat).<\/p>\n

Son 12 ay \u0259rzind\u0259 banklar\u0131n kredit portfelinda biznes kreditl\u0259rinin x\u00fcsusi \u00e7\u0259ksi 54,6 faizd\u0259n 53,2 faiz\u0259 d\u00fc\u015f\u00fcb, istehlak kreditl\u0259rinin x\u00fcsusi \u00e7\u0259kisi 30 faizd\u0259n 31.3 faiz\u0259 y\u00fcks\u0259lib.<\/strong><\/p>\n

\"Samir<\/strong><\/p>\n

Samir \u018fliyev<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131-ekspert Samir \u018fliyev bildirir ki, AMB kredit kartlar\u0131na limiti borclanman\u0131n daha m\u0259suliyy\u0259tli v\u0259 sa\u011flam apar\u0131lmas\u0131 m\u0259qs\u0259dil\u0259 edildiyini a\u00e7\u0131qlay\u0131b:<\/strong>\u00a0\u201cBank\u0131n g\u00f6zl\u0259ntisin\u0259 g\u00f6r\u0259, edilmi\u015f d\u0259yi\u015fiklik \u0259halinin izafi borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 alacaq. M\u0259rk\u0259zi Bank hesab edir ki, son d\u00f6vrl\u0259rd\u0259 istehlak krediti seqmentind\u0259 kredit kartlar\u0131n\u0131n y\u00fcks\u0259k art\u0131m dinamikas\u0131 m\u00fc\u015fahid\u0259 edilir. \u018flb\u0259tt\u0259, ba\u015f t\u0259nziml\u0259yicinin borclanma m\u0259s\u0259l\u0259sin\u0259 h\u0259ssas yana\u015fmas\u0131 v\u0259 laz\u0131m olduqda kredit t\u0259\u015fkilatlar\u0131n\u0131 v\u0259 \u0259halini m\u0259suliyy\u0259tsiz borclanmadan \u00e7\u0259kindir\u0259c\u0259k q\u0259rarlar verm\u0259kd\u0259 haql\u0131d\u0131r. Ancaq qurumun \u00f6z\u00fcn\u00fcn d\u0259rc etdiyi statistika f\u0259rqli m\u0259nz\u0259r\u0259ni g\u00f6st\u0259rir. M\u0259s\u0259l\u0259n, \u00f6d\u0259ni\u015f kartlar\u0131 il\u0259 verilmi\u015f kreditl\u0259rin \u00fcmumi h\u0259cmind\u0259 ilin ilk yar\u0131s\u0131nda 3,2 faiz art\u0131m olsa da, son ay azalma qeyd\u0259 al\u0131n\u0131b. May-iyun aylar\u0131nda bel\u0259 kredit kredit qoyulu\u015funun h\u0259cmi 1,42 milyard manatdan 1,39 milyard manata d\u00fc\u015f\u00fcb. Azalma dig\u0259r g\u00f6st\u0259ricil\u0259rd\u0259 d\u0259 qeyd\u0259 al\u0131n\u0131b. Kredit kartlar\u0131n\u0131n say\u0131 cari ilin yanvar-iyun aylar\u0131nda 2256 mind\u0259n 2118 min\u0259 d\u00fc\u015f\u00fcb. \u00dcmumi \u00f6d\u0259ni\u015f kartlar\u0131nda is\u0259 bel\u0259 kartlar\u0131n pay\u0131 11,3 faizd\u0259n 10,3 faiz\u0259 d\u00fc\u015f\u00fcb. Bu m\u00fcdd\u0259td\u0259 kredit kartlar\u0131 \u00fczr\u0259 \u0259m\u0259liyyatlar\u0131n say\u0131 14 milyondan 13,8 milyona, \u0259m\u0259liyyatlar\u0131n \u00fcmumi h\u0259cmi is\u0259 893 milyon manatdan 800 milyon manata d\u00fc\u015f\u00fcb. Y\u0259ni \u00fcmumi m\u0259nz\u0259r\u0259 kredit kartlar\u0131na \u0259vv\u0259lki mara\u011f\u0131n olmamas\u0131n\u0131 g\u00f6st\u0259rir\u201d.<\/p>\n

Ekspert\u0259 g\u00f6r\u0259, M\u0259rk\u0259zi Bank\u0131n \u201cistehlak krediti seqmentind\u0259 kredit kartlar\u0131n\u0131n y\u00fcks\u0259k art\u0131m dinamikas\u0131 m\u00fc\u015fahid\u0259 edilir\u201d fikri d\u0259 nisbidir:<\/strong>\u00a0\u201c\u00c7\u00fcnki bu ilin ilk yar\u0131s\u0131nda ev t\u0259s\u0259rr\u00fcfatlar\u0131na verilmi\u015f kreditl\u0259rin h\u0259cmi 4,8 faiz artd\u0131\u011f\u0131 halda kartlarla verilmi\u015f kreditl\u0259rin art\u0131m\u0131 3,2 faiz olub. \u00dcmumi istehlak kreditl\u0259rind\u0259 \u00f6d\u0259ni\u015f kartlar\u0131 il\u0259 verilmi\u015f kreditl\u0259rin pay\u0131 8,1 faiz t\u0259\u015fkil edir. H\u0259r\u00e7\u0259nd bu g\u00f6st\u0259rici 2024-c\u00fc ild\u0259 8,2 faiz olub v\u0259 2022-ci ild\u0259n sonra \u0259n a\u015fa\u011f\u0131 g\u00f6st\u0259ricidir.<\/p>\n

H\u0259r bir halda b\u0259zi ziqzaqlara r\u0259\u011fm\u0259n \u00fcmumi tendensiya azalma \u00fczr\u0259 gedir. Bel\u0259 v\u0259ziyy\u0259td\u0259 \u015f\u0259rtl\u0259ri s\u0259rtl\u0259\u015fdirm\u0259k n\u0259 d\u0259r\u0259c\u0259d\u0259 vacibdir? Yax\u015f\u0131 olard\u0131 ki, \u0259sas diqq\u0259t istehlak\u00e7\u0131lar\u0131n h\u00fcquqlar\u0131n\u0131n pozulmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131na y\u00f6n\u0259ldilsin. M\u00fc\u015ft\u0259rinin icaz\u0259si olmadan \u0259m\u0259k haqq\u0131 kart\u0131ndan avtomatik olaraq kredit kart\u0131 \u00fczr\u0259 borcun silinm\u0259si, eyni zamanda kredit kart\u0131 \u00fczr\u0259 gecikm\u0259 ba\u015flanan n\u00f6vb\u0259ti g\u00fcnd\u0259n ba\u015flayaraq h\u0259r g\u00fcn m\u00fc\u015ft\u0259riy\u0259 z\u0259ng vuraraq onlara psixoloji t\u0259zyiq edilm\u0259si praktikas\u0131na son qoyulsun”.<\/p>\n

Qeyd ed\u0259k ki, M\u0259rk\u0259zi Bank\u0131n bu add\u0131m\u0131n\u0131n bir m\u0259qs\u0259di d\u0259 \u00f6lk\u0259d\u0259 inflyasiyan\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 ola bil\u0259r. Bel\u0259 ki, \u00f6lk\u0259 \u0259halisinin g\u0259lirl\u0259ri istirah\u0259t, g\u0259zinti, h\u0259m\u00e7inin bir \u00e7ox hallarda m\u0259i\u015f\u0259t xarakterli al\u0131\u015flar\u0131n h\u0259yata ke\u00e7irilm\u0259sin\u0259 imkan vermir. Son ill\u0259rd\u0259 kredit kartlar\u0131 il\u0259 iri m\u0259i\u015f\u0259t texnikas\u0131n\u0131n al\u0131nmas\u0131, h\u0259m\u00e7inin xarici \u00f6lk\u0259l\u0259r\u0259 turist s\u0259f\u0259rl\u0259rinin, h\u0259tta m\u00fcalic\u0259 x\u0259rcl\u0259rinin \u00f6d\u0259nm\u0259si praktikas\u0131 s\u00fcr\u0259tl\u0259 geni\u015fl\u0259nir. Bu is\u0259 \u0259vv\u0259la, idxal\u0131 stimulla\u015fd\u0131rmaqla(al\u0131nan elektronik \u0259\u015fyalar\u0131n ham\u0131s\u0131 xaricd\u0259n idxal olunur) valyutan\u0131n xaric\u0259 ax\u0131n\u0131na, eyni zamanda idxal inflyasiyas\u0131n\u0131n t\u0259sirinin artmas\u0131na s\u0259b\u0259b olur. Bel\u0259 ki, AMB-nin hesablamalar\u0131na \u0259sas\u0259n \u00f6lk\u0259d\u0259 inflyasiyaya \u0259sas art\u0131r\u0131c\u0131 t\u0259sir – 60 faiz olmaqla idxaldan qaynaqlan\u0131r. T\u0259nziml\u0259yici qeyd edir ki, qlobal ticar\u0259td\u0259 ged\u0259n prosesl\u0259r \u0259mt\u0259\u0259 v\u0259 maliyy\u0259 bazarlar\u0131nda dal\u011falanmalara s\u0259b\u0259b olmaqdad\u0131r: \u201cBu \u015f\u0259raitd\u0259 inflyasiyan\u0131n ba\u015fl\u0131ca xarici risk faktoru kimi idxal inflyasiyas\u0131 hesab olunur. Bu amil is\u0259 bir t\u0259r\u0259fd\u0259n ticar\u0259t t\u0259r\u0259fda\u015flar\u0131nda inflyasiyadan, dig\u0259r t\u0259r\u0259fd\u0259n is\u0259 nominal effektiv m\u0259z\u0259nn\u0259nin dinamikas\u0131ndan as\u0131l\u0131d\u0131r\u201d.<\/p>\n

AMB-y\u0259 g\u00f6r\u0259, \u0130nflyasiyan\u0131 art\u0131ra bil\u0259c\u0259k \u0259sas daxili risk faktoru x\u0259rc amill\u0259rinin aktivl\u0259\u015fm\u0259si v\u0259 m\u0259cmu t\u0259l\u0259bin izafi art\u0131m\u0131 qeyd oluna bil\u0259r: \u201cBu bax\u0131mdan ortam\u00fcdd\u0259tli perspektivd\u0259 d\u00f6vl\u0259t x\u0259rcl\u0259rinin v\u0259 istehlak kreditl\u0259rinin m\u0259cmu t\u0259l\u0259b\u0259 v\u0259 qiym\u0259tl\u0259r\u0259 m\u00fcmk\u00fcn t\u0259sirl\u0259ri daim diqq\u0259td\u0259 saxlan\u0131lmal\u0131d\u0131r\u201d.<\/p>\n

\"Taleh<\/p>\n

Taleh Kaz\u0131mov<\/strong><\/p>\n

MB \u0130dar\u0259 Hey\u0259tinin s\u0259dri Taleh Kaz\u0131mov qeyd edib ki, istehlak kreditl\u0259rinin h\u0259cminin 10 faiz art\u0131m\u0131 \u00f6lk\u0259d\u0259 inflyasiyan\u0131 0,34 faiz art\u0131r\u0131r:<\/strong>\u00a0\u201cBizim proqnozlar\u0131m\u0131za g\u00f6r\u0259 bu ilin sonuna Az\u0259rbaycanda istehlak kredit portfelinin art\u0131m\u0131 13 faiz \u0259traf\u0131nda olacaq. Bu is\u0259 inflyasiyaya, ev t\u0259s\u0259r\u00fcfatlar\u0131n\u0131n istehlak\u0131 vasit\u0259si il\u0259 0.43 faiz b\u0259ndi art\u0131r\u0131c\u0131 t\u0259sir g\u00f6st\u0259r\u0259c\u0259k. 2026-c\u0131 ild\u0259 is\u0259 istehlak kredit portfelinin art\u0131m\u0131 16 faiz art\u0131ma \u0259traf\u0131nda olacaq, bu da inflyasiyaya 0.56 faiz b\u0259ndi art\u0131r\u0131c\u0131 t\u0259sir ed\u0259c\u0259k\u201d.<\/p>\n

D\u00fcnya SAK\u0130T,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

M\u0259rk\u0259zi Bank\u0131n limit q\u0259rar\u0131nda m\u0259qs\u0259d n\u0259dir? X\u0259b\u0259r verdiyimiz kimi, M\u0259rk\u0259zi Bank (AMB) istehlak kredit kartlar\u0131 \u00fczr\u0259 t\u0259nziml\u0259m\u0259l\u0259r\u0259 d\u0259yi\u015fiklik edib. T\u0259nziml\u0259yicinin q\u0259bul etdiyi yeni qaydalara \u0259sas\u0259n, borcalan\u0131n kredit x\u0259tti limiti (b\u00fct\u00fcn kredit t\u0259\u015fkilatlar\u0131 qar\u015f\u0131s\u0131ndak\u0131 \u00f6hd\u0259likl\u0259r n\u0259z\u0259r\u0259 al\u0131nmaqla) onun xalis g\u0259lirinin 5 misli il\u0259 m\u0259hdudla\u015fd\u0131r\u0131l\u0131b. H\u0259m\u00e7inin overdraft limitl\u0259ri kredit x\u0259tl\u0259ri anlay\u0131\u015f\u0131na daxil edilib. \u0130stehlak kredit kartlar\u0131n\u0131n balansdan k\u0259nar hiss\u0259si \u00fczr\u0259 kredit\u0259 konvertasiya \u0259msal\u0131 40 faiz m\u00fc\u0259yy\u0259n olunub. M\u0259rk\u0259zi Bank\u0131n \u0259sasland\u0131rmas\u0131na g\u00f6r\u0259, d\u0259yi\u015fiklikl\u0259rin m\u0259qs\u0259di \u0259halinin h\u0259ddind\u0259n art\u0131q borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq v\u0259 bank sektorunun dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 qorumaqd\u0131r. AMB-nin t\u0259hlill\u0259rin\u0259 g\u00f6r\u0259, son d\u00f6vrl\u0259rd\u0259 kredit kartlar\u0131n\u0131n h\u0259cmi…<\/p>\n","protected":false},"author":2,"featured_media":819150,"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\/087eadd7ec75d1c11f07a8feb21387d3.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/087eadd7ec75d1c11f07a8feb21387d3.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":"M\u0259rk\u0259zi Bank\u0131n limit q\u0259rar\u0131nda m\u0259qs\u0259d n\u0259dir? X\u0259b\u0259r verdiyimiz kimi, M\u0259rk\u0259zi Bank (AMB) istehlak kredit kartlar\u0131 \u00fczr\u0259 t\u0259nziml\u0259m\u0259l\u0259r\u0259 d\u0259yi\u015fiklik edib. T\u0259nziml\u0259yicinin q\u0259bul etdiyi yeni qaydalara \u0259sas\u0259n, borcalan\u0131n kredit x\u0259tti limiti (b\u00fct\u00fcn kredit t\u0259\u015fkilatlar\u0131 qar\u015f\u0131s\u0131ndak\u0131 \u00f6hd\u0259likl\u0259r n\u0259z\u0259r\u0259 al\u0131nmaqla) onun xalis g\u0259lirinin 5 misli il\u0259 m\u0259hdudla\u015fd\u0131r\u0131l\u0131b. H\u0259m\u00e7inin overdraft limitl\u0259ri kredit x\u0259tl\u0259ri anlay\u0131\u015f\u0131na daxil edilib. \u0130stehlak kredit kartlar\u0131n\u0131n balansdan…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/819149"}],"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=819149"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/819149\/revisions"}],"predecessor-version":[{"id":819151,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/819149\/revisions\/819151"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/819150"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=819149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=819149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=819149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}