{"id":824603,"date":"2025-09-04T21:58:49","date_gmt":"2025-09-04T17:58:49","guid":{"rendered":"https:\/\/arantv.az\/?p=824603"},"modified":"2025-09-04T21:58:49","modified_gmt":"2025-09-04T17:58:49","slug":"banka-borcu-olan-s%c9%99xsl%c9%99rin-diqq%c9%99tin%c9%99-bu-halda-m%c9%99bl%c9%99g-silin%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=824603","title":{"rendered":"Banka borcu olan \u015f\u0259xsl\u0259rin D\u0130QQ\u018fT\u0130N\u018f: Bu halda m\u0259bl\u0259\u011f silin\u0259c\u0259k"},"content":{"rendered":"<p><strong>Az\u0259rbaycanda tez-tez m\u00fczakir\u0259 olunan m\u00f6vzulardan biri d\u0259 v\u0259fat ed\u0259n \u015f\u0259xsl\u0259rin kredit borcunun taleyidir. \u00c7ox vaxt m\u0259rhumun yax\u0131nlar\u0131 borcun kim t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259c\u0259yini v\u0259 bank\u0131n hans\u0131 add\u0131mlar ataca\u011f\u0131n\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kirl\u0259r. Bu m\u0259s\u0259l\u0259 kredit m\u00fcqavil\u0259sinin \u015f\u0259rtl\u0259rind\u0259n, h\u0259m\u00e7inin borcalanan\u0131n h\u0259yat s\u0131\u011fortas\u0131n\u0131n olub-olmamas\u0131ndan as\u0131l\u0131 olaraq f\u0259rqli formada h\u0259ll olunur. Bundan \u0259lav\u0259, kreditin s\u0131\u011fortalanmas\u0131 praktikada t\u0259tbiq edil\u0259n hallar s\u0131ras\u0131ndad\u0131r.<\/strong><\/p>\n<p><strong>Bel\u0259 hallarda is\u0259 \u0259sas sual ortaya \u00e7\u0131x\u0131r: V\u0259fat ed\u0259n \u015f\u0259xsin kreditini kim \u00f6d\u0259yir?<\/strong><\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 News24.az-a dan\u0131\u015fan h\u00fcquq\u015f\u00fcnas Ramil S\u00fcleymanov bildirib ki, kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsin borcunun taleyi \u0259sas\u0259n onun h\u0259yat s\u0131\u011fortas\u0131n\u0131n olub-olmamas\u0131ndan v\u0259 v\u0259r\u0259s\u0259lik m\u0259s\u0259l\u0259l\u0259rind\u0259n as\u0131l\u0131d\u0131r:<\/p>\n<p>\u201c\u00dcmumiyy\u0259tl\u0259, kredit alan \u015f\u0259xs k\u00f6n\u00fcll\u00fc \u015f\u0259kild\u0259 h\u0259yat s\u0131\u011fortas\u0131 etdir\u0259 bil\u0259r. Bu, tamamil\u0259 \u015f\u0259xsin \u00f6z se\u00e7imidir. Lakin b\u0259zi banklar, x\u00fcsusil\u0259 iri m\u0259bl\u0259\u011fli kreditl\u0259r t\u0259qdim ed\u0259rk\u0259n, m\u00fc\u015ft\u0259rinin h\u0259yat\u0131n\u0131n s\u0131\u011fortalanmas\u0131n\u0131 m\u00fctl\u0259q \u015f\u0259rt kimi qoyurlar. Bu halda kredit alan \u015f\u0259xs v\u0259fat ed\u0259rs\u0259, borcu s\u0131\u011forta \u015firk\u0259ti \u00f6d\u0259yir v\u0259 varisl\u0259r\u0259 he\u00e7 bir m\u0259suliyy\u0259t d\u00fc\u015fm\u00fcr\u201d.<\/p>\n<p><strong>H\u00fcquq\u015f\u00fcnas\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u0259g\u0259r kredit alan \u015f\u0259xsin h\u0259yat\u0131 s\u0131\u011fortalanmay\u0131bsa, m\u0259suliyy\u0259t v\u0259r\u0259s\u0259l\u0259rin \u00fcz\u0259rin\u0259 ke\u00e7ir:<\/strong><\/p>\n<p>\u201cV\u0259r\u0259s\u0259l\u0259r yaln\u0131z m\u0259rhumdan onlara miras \u0259mlak\u0131 qald\u0131\u011f\u0131 halda borca cavabdeh olurlar. Y\u0259ni v\u0259fat ed\u0259n \u015f\u0259xs ev, torpaq, avtomobil v\u0259 ya dig\u0259r \u0259mlak qoyubsa, h\u0259min \u0259mlak\u0131 q\u0259bul ed\u0259n varisl\u0259r borcu da \u00f6z \u00fcz\u0259rl\u0259rin\u0259 g\u00f6t\u00fcrm\u00fc\u015f hesab edilirl\u0259r. Bu m\u0259suliyy\u0259t varisl\u0259r aras\u0131nda mirasdak\u0131 paylar\u0131na uy\u011fun \u015f\u0259kild\u0259 b\u00f6l\u00fcn\u00fcr. M\u0259s\u0259l\u0259n, \u00fc\u00e7 v\u0259r\u0259s\u0259 varsa v\u0259 h\u0259r biri miras\u0131n \u00fc\u00e7d\u0259 birini q\u0259bul edibs\u0259, onda borcun da \u00fc\u00e7d\u0259 birini \u00f6d\u0259m\u0259lidirl\u0259r\u201d.<\/p>\n<p><strong>Ramil S\u00fcleymanov \u0259lav\u0259 edib ki, \u0259g\u0259r m\u0259rhumun he\u00e7 bir miras\u0131 v\u0259 ya varisi yoxdursa, bank\u0131n borcu t\u0259l\u0259b etm\u0259k imkan\u0131 qalm\u0131r:<\/strong><\/p>\n<p>\u201c\u018fg\u0259r \u015f\u0259xsin v\u0259r\u0259s\u0259si yoxdursa v\u0259 ya miras qoymay\u0131bsa, bu halda kredit faktiki olaraq \u00f6d\u0259nilm\u0259mi\u015f qal\u0131r. Bank is\u0259 bu c\u00fcr hallar\u0131 \u2018\u00fcmidsiz kredit\u2019 kimi d\u0259y\u0259rl\u0259ndirir v\u0259 sonradan h\u0259min borcu silm\u0259li olur\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda tez-tez m\u00fczakir\u0259 olunan m\u00f6vzulardan biri d\u0259 v\u0259fat ed\u0259n \u015f\u0259xsl\u0259rin kredit borcunun taleyidir. \u00c7ox vaxt m\u0259rhumun yax\u0131nlar\u0131 borcun kim t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259c\u0259yini v\u0259 bank\u0131n hans\u0131 add\u0131mlar ataca\u011f\u0131n\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kirl\u0259r. Bu m\u0259s\u0259l\u0259 kredit m\u00fcqavil\u0259sinin \u015f\u0259rtl\u0259rind\u0259n, h\u0259m\u00e7inin borcalanan\u0131n h\u0259yat s\u0131\u011fortas\u0131n\u0131n olub-olmamas\u0131ndan as\u0131l\u0131 olaraq f\u0259rqli formada h\u0259ll olunur. Bundan \u0259lav\u0259, kreditin s\u0131\u011fortalanmas\u0131 praktikada t\u0259tbiq edil\u0259n hallar s\u0131ras\u0131ndad\u0131r. Bel\u0259 hallarda is\u0259 \u0259sas sual ortaya \u00e7\u0131x\u0131r: V\u0259fat ed\u0259n \u015f\u0259xsin kreditini kim \u00f6d\u0259yir? M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 News24.az-a dan\u0131\u015fan h\u00fcquq\u015f\u00fcnas Ramil S\u00fcleymanov bildirib ki, kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsin borcunun taleyi \u0259sas\u0259n onun h\u0259yat s\u0131\u011fortas\u0131n\u0131n olub-olmamas\u0131ndan v\u0259 v\u0259r\u0259s\u0259lik m\u0259s\u0259l\u0259l\u0259rind\u0259n&hellip;<\/p>\n","protected":false},"author":2,"featured_media":824604,"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\/09\/84f37d09b9ca68427c07db0ff326ddd4.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/84f37d09b9ca68427c07db0ff326ddd4.jpg",870,500,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":"Az\u0259rbaycanda tez-tez m\u00fczakir\u0259 olunan m\u00f6vzulardan biri d\u0259 v\u0259fat ed\u0259n \u015f\u0259xsl\u0259rin kredit borcunun taleyidir. \u00c7ox vaxt m\u0259rhumun yax\u0131nlar\u0131 borcun kim t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259c\u0259yini v\u0259 bank\u0131n hans\u0131 add\u0131mlar ataca\u011f\u0131n\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kirl\u0259r. Bu m\u0259s\u0259l\u0259 kredit m\u00fcqavil\u0259sinin \u015f\u0259rtl\u0259rind\u0259n, h\u0259m\u00e7inin borcalanan\u0131n h\u0259yat s\u0131\u011fortas\u0131n\u0131n olub-olmamas\u0131ndan as\u0131l\u0131 olaraq f\u0259rqli formada h\u0259ll olunur. Bundan \u0259lav\u0259, kreditin s\u0131\u011fortalanmas\u0131 praktikada t\u0259tbiq edil\u0259n hallar s\u0131ras\u0131ndad\u0131r. Bel\u0259&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/824603"}],"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=824603"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/824603\/revisions"}],"predecessor-version":[{"id":824606,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/824603\/revisions\/824606"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/824604"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=824603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=824603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=824603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}