{"id":830063,"date":"2025-10-09T11:35:00","date_gmt":"2025-10-09T07:35:00","guid":{"rendered":"https:\/\/arantv.az\/?p=830063"},"modified":"2025-10-09T11:35:00","modified_gmt":"2025-10-09T07:35:00","slug":"az%c9%99rbaycanda-kredit-kartlarinin-sayi-azalib-%c9%99hali-ehtiyaclarini-nec%c9%99-od%c9%99yir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=830063","title":{"rendered":"Az\u0259rbaycanda kredit kartlar\u0131n\u0131n say\u0131 azal\u0131b, \u0259hali ehtiyaclar\u0131n\u0131 nec\u0259 \u00f6d\u0259yir?"},"content":{"rendered":"

Az\u0259rbaycanda kredit kartlar\u0131n\u0131n say\u0131 azal\u0131b. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 statistikaya \u0259sas\u0259n kredit kartlar\u0131n\u0131n say\u0131 iyuldak\u0131 2 milyon 223 min \u0259d\u0259dd\u0259n avqust ay\u0131nda 2 milyon 123 min\u0259 q\u0259d\u0259r azal\u0131b. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fcnd\u0259 kredit kartlar\u0131n\u0131n say\u0131 2 milyon 282 min \u0259d\u0259d olub. Bu, ayl\u0131q ifad\u0259d\u0259 4.5 faiz, illik ifad\u0259d\u0259 is\u0259 7 faiz azalma dem\u0259kdir.<\/strong><\/p>\n

Kredit kartlar\u0131 il\u0259 h\u0259yata ke\u00e7iril\u0259n \u0259m\u0259liyyatlar\u0131n say\u0131 \u00f6t\u0259n ilin avqustunda 13017-y\u0259, bu ilin iyulunda 14151-\u0259, avqustda is\u0259 13075-\u0259 b\u0259rab\u0259r olub. Bu is\u0259 ayl\u0131q 7,6 faiz azalma, illik ifad\u0259d\u0259 is\u0259 0,5 faiz art\u0131md\u0131r.<\/em><\/p>\n

2025-ci ilin yanvar-avqust aylar\u0131 \u0259rzind\u0259 kredit kartlar\u0131 il\u0259 apar\u0131lan \u0259m\u0259liyyatlar\u0131n h\u0259cmi 6 milyard 488 milyon manat t\u0259\u015fkil edib. Bu g\u00f6st\u0259rici is\u0259 \u0259vv\u0259lki ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 18.5 faiz v\u0259 ya 1 milyard 13 milyon manat art\u0131b. Hesabat d\u00f6vr\u00fcnd\u0259 kredit kartlar\u0131 il\u0259 apar\u0131lan \u0259m\u0259liyyatlar\u0131n 3 milyard 785 milyon manat\u0131 elektron ticar\u0259t, 1 milyard 449 milyon manat\u0131 POS-terminallar, 1 milyard 16 milyon manat\u0131 bankomatlar, 238 milyon manat\u0131 is\u0259 xaricd\u0259 apar\u0131lan \u0259m\u0259liyyatlar vasit\u0259sil\u0259 h\u0259yata ke\u00e7irilib.<\/p>\n

Kredit kartlar\u0131 il\u0259 h\u0259yata ke\u00e7iril\u0259n \u0259m\u0259liyyatlar zaman\u0131 x\u0259rcl\u0259n\u0259n v\u0259saitl\u0259rin h\u0259cmi \u00f6t\u0259n ilin avqustunda 751 milyon manat, bu ilin iyulunda 806 milyon manat, avqustda is\u0259 739 milyon manat t\u0259\u015fkil edib. Bu v\u0259saitl\u0259rin \u00f6t\u0259n ilin avqustunda 421 milyon manat\u0131, bu ilin iyulunda 463 milyon manat\u0131, avqustda is\u0259 419 milyon manat\u0131 elektron ticar\u0259t \u0259m\u0259liyyatlar\u0131d\u0131r. Elektron ticar\u0259t \u0259m\u0259liyyatlar\u0131nda bir qayda olaraq mobil telefonlar, m\u0259i\u015f\u0259t cihazlar\u0131 v\u0259 sair m\u0259hsullar\u0131n kreditl\u0259 al\u0131\u015f\u0131 \u00fcst\u00fcnl\u00fck t\u0259\u015fkil edir. Bu is\u0259 o dem\u0259kdir ki, \u0259halinin kreditl\u0259 bel\u0259 m\u0259hsullar\u0131 almaq imkanlar\u0131 m\u0259hdudla\u015f\u0131b.<\/p>\n

Qeyd ed\u0259k ki, M\u0259rk\u0259zi Bank kredit kartlar\u0131n\u0131n say\u0131n\u0131n, h\u0259m\u00e7inin onlarla borclanman\u0131n artmas\u0131n\u0131 m\u0259nfi tendensiya kimi qiym\u0259tl\u0259ndirir. T\u0259nziml\u0259yici bildirir ki, kredit kartlar\u0131 il\u0259 borclanma istehlak kreditl\u0259rinin art\u0131m\u0131na g\u0259tirib \u00e7\u0131xar\u0131r. AMB bildirir ki, apar\u0131lan t\u0259hlill\u0259r n\u0259tic\u0259sind\u0259, son d\u00f6vrl\u0259rd\u0259 istehlak kredit portfelinin art\u0131m\u0131n\u0131n \u0259sas drayverinin kredit kartlar\u0131 oldu\u011fu m\u00fc\u015fahid\u0259 olunub: \u201cBel\u0259 ki, 2022-ci ilin sonu il\u0259 m\u00fcqayis\u0259d\u0259 istehlak kredit portfeli 55 faiz artd\u0131\u011f\u0131 halda, kredit kartlar\u0131n\u0131n istifad\u0259 olunmu\u015f hiss\u0259si 89 faiz art\u0131b. \u018flav\u0259 olaraq kredit kartlar\u0131n\u0131n say\u0131n\u0131n art\u0131m\u0131 fonunda kredit kartlar\u0131 il\u0259 apar\u0131lan \u0259m\u0259liyyatlar\u0131n h\u0259cmi son 3 ild\u0259 2.5 d\u0259f\u0259d\u0259n \u00e7ox art\u0131b. Qeyd olunmal\u0131d\u0131r ki, bu tendensiya \u0259halinin 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. Bel\u0259 ki, 2024-c\u00fc ilin sonu il\u0259 m\u00fcqayis\u0259d\u0259 \u0259halinin s\u0259r\u0259ncamda qalan g\u0259lirl\u0259ri 7 faiz artd\u0131\u011f\u0131 halda, kredit kartlar\u0131n\u0131n istifad\u0259 olunmu\u015f hiss\u0259si 17 faiz art\u0131b\u201d.<\/p>\n

AMB-y\u0259 g\u00f6r\u0259, inflyasiyan\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

T\u0259nziml\u0259yicinin hesablamalar\u0131na \u0259sas\u0259n, istehlak kreditl\u0259rinin h\u0259cminin 10 faiz art\u0131m\u0131 \u00f6lk\u0259d\u0259 inflyasiyan\u0131 0,34 faiz art\u0131r\u0131r. AMB-nin proqnozuna 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-ci 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.<\/p>\n

\u0130stehlak kreditl\u0259rinin art\u0131m\u0131 \u0259halinin borc y\u00fck\u00fcn\u00fcn g\u0259lirl\u0259rind\u0259ki pay\u0131n\u0131 da art\u0131r\u0131r:<\/strong>\u00a0\u201c\u018fhalinin s\u0259r\u0259ncamda qalan g\u0259lirl\u0259rind\u0259 m\u00fcsb\u0259t art\u0131m dinamikas\u0131 m\u00fc\u015fahid\u0259 edils\u0259 d\u0259, \u0259halinin borc y\u00fck\u00fcn\u00fcn s\u0259r\u0259ncamda qalan g\u0259lird\u0259 pay\u0131n\u0131n art\u0131m\u0131 m\u00fc\u015fahid\u0259 edilir. Bel\u0259 ki, bu ilin birinci yar\u0131s\u0131nda \u0259halinin borc y\u00fck\u00fcn\u00fcn s\u0259r\u0259ncamda qalan g\u0259lirl\u0259rin\u0259 nisb\u0259ti \u00f6t\u0259n ilin sonu il\u0259 m\u00fcqayis\u0259d\u0259 0.5 faiz b\u0259ndi artaraq 18.5 faiz olub\u201d.<\/p>\n

\u018fhalinin borc y\u00fck\u00fc dedikd\u0259, fiziki \u015f\u0259xsl\u0259rin kredit t\u0259\u015fkilatlar\u0131 (Bank, BOKT) qar\u015f\u0131s\u0131nda istehlak v\u0259 ipoteka kreditl\u0259rinin qal\u0131q m\u0259bl\u0259\u011finin c\u0259mi n\u0259z\u0259rd\u0259 tutulur.<\/p>\n

Buna g\u00f6r\u0259 d\u0259 M\u0259rk\u0259zi Bank istehlak kreditl\u0259rinin art\u0131m\u0131n\u0131 cilovlamaq \u00fc\u00e7\u00fcn bu ilin ortas\u0131nda istehlak kredit kartlar\u0131 \u00fczr\u0259 t\u0259nziml\u0259m\u0259l\u0259r\u0259 d\u0259yi\u015fiklik edib. Qurumdan bildirildiyin\u0259 g\u00f6r\u0259, M\u0259rk\u0259zi Bank\u0131n h\u0259yata ke\u00e7irdiyi makroprudensial siyas\u0259t istehlak portfelinin dayan\u0131ql\u0131 art\u0131m\u0131 v\u0259 \u0259halinin sa\u011flam borclanmas\u0131na y\u00f6n\u0259lib:<\/strong>\u00a0\u201cM\u0259rk\u0259zi Bank istehlak kreditl\u0259\u015fm\u0259sinin dinamikas\u0131 v\u0259 \u0259halinin izafi borclanmas\u0131 \u00fczr\u0259 qiym\u0259tl\u0259ndirm\u0259l\u0259rini v\u0259 bu istiqam\u0259td\u0259 requlyativ \u00e7\u0259r\u00e7iv\u0259nin daha da t\u0259kmill\u0259\u015fdirilm\u0259si \u00fczr\u0259 f\u0259aliyy\u0259tini davam etdirir. \u0130stehlak kreditl\u0259\u015fm\u0259sinin \u0259sas drayverl\u0259rind\u0259n biri d\u0259 kredit kartlar\u0131d\u0131r. Son d\u00f6vrl\u0259r istehlak krediti seqmentind\u0259 kredit kartlar\u0131 \u00fczr\u0259 y\u00fcks\u0259k art\u0131m tempi m\u00fc\u015fahid\u0259 olunur. Bel\u0259 ki, 2022-ci ilin sonu il\u0259 m\u00fcqayis\u0259d\u0259 istehlak kredit kartlar\u0131n\u0131n istifad\u0259 olunmu\u015f hiss\u0259si 60 faiz artaraq 1.7 milyard manata, istifad\u0259 olunmam\u0131\u015f hiss\u0259si is\u0259 64 faiz artaraq 2 milyard manata \u00e7at\u0131b. \u0130stehlak kredit kartlar\u0131n\u0131n pro-tsiklik x\u00fcsusiyy\u0259ti sistem riskl\u0259rini art\u0131ran amil kimi \u00e7\u0131x\u0131\u015f etm\u0259kl\u0259 yana\u015f\u0131, maliyy\u0259 sistemi \u00fczr\u0259 bir s\u0131ra riskl\u0259r yarad\u0131r. \u018fhalinin izafi borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 v\u0259 bank sisteminin kapital dayan\u0131ql\u0131\u011f\u0131n\u0131 t\u0259min etm\u0259k m\u0259qs\u0259dil\u0259 M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n istehlak kredit kartlar\u0131 \u00fczr\u0259 requlyativ \u00e7\u0259r\u00e7iv\u0259y\u0259 d\u0259yi\u015fiklik edilib. 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\u0131b. Bu, \u0259halinin istehlak kredit kartlar\u0131 \u00fczr\u0259 borclanma imkanlar\u0131n\u0131 m\u00fc\u0259yy\u0259n etdikd\u0259 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\u201d.<\/p>\n

G\u00f6r\u00fcnd\u00fcy\u00fc kimi, M\u0259rk\u0259zi Bank\u0131n atd\u0131\u011f\u0131 add\u0131mlar kredit kartlar\u0131 il\u0259 ba\u011fl\u0131 g\u00f6zl\u0259nil\u0259n n\u0259tic\u0259ni verm\u0259kd\u0259dir. Lakin bu proses \u00f6lk\u0259d\u0259 \u00fcmumi istehlak kreditl\u0259rind\u0259 dig\u0259r portfell\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 daha s\u00fcr\u0259tli art\u0131m\u0131n qar\u015f\u0131s\u0131n\u0131 ala bilm\u0259yib. R\u0259smi m\u0259lumata g\u00f6r\u0259, sentyabr\u0131n 1-n\u0259 \u00f6lk\u0259 banklar\u0131n\u0131n kredit portfeli 28 milyard 704,9 milyon manat t\u0259\u015fkil edib. Bu g\u00f6st\u0259rici \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 2 milyard 629,3 milyon manat, y\u0259ni 10,1 faiz, ayl\u0131q m\u00fcqayis\u0259d\u0259 is\u0259 206,7 milyon manat v\u0259 ya 0,7 faiz art\u0131b.<\/p>\n

Portfelin \u0259sas hiss\u0259sini t\u0259\u015fkil ed\u0259n biznes kreditl\u0259rinin h\u0259cmi 15 milyard 91,8 milyon manata \u00e7at\u0131b. Bu, illik m\u00fcqayis\u0259d\u0259 1 milyard 92,0 milyon manat, v\u0259 ya 7,8 faiz, ayl\u0131q m\u00fcqayis\u0259d\u0259 is\u0259 36,0 milyon manat, v\u0259 ya 0,2 faiz art\u0131m dem\u0259kdir.<\/p>\n

\u0130stehlak kreditl\u0259ri portfeli 9 milyard 114,5 milyon manat olub. Bu g\u00f6st\u0259rici illik m\u00fcqayis\u0259d\u0259 1 milyard 135,7 milyon manat, v\u0259 ya 14,2 faiz, son bir ayda is\u0259 112,3 milyon manat, v\u0259 ya 1,2 faiz art\u0131b.<\/p>\n

\u0130poteka kreditl\u0259rinin h\u0259cmind\u0259 d\u0259 art\u0131m davam edir. Bu portfel 4 milyard 498,6 milyon manata \u00e7at\u0131b ki, bu da illik m\u00fcqayis\u0259d\u0259 401,6 milyon manat v\u0259 ya 9,8 faiz, ayl\u0131q m\u00fcqayis\u0259d\u0259 is\u0259 58,4 milyon manat, v\u0259 ya 1,3 faiz art\u0131m dem\u0259kdir.<\/p>\n

Bu statistika g\u00f6st\u0259rir ki, kredit portfelinin strukturunda \u0259n y\u00fcks\u0259k art\u0131m el\u0259 faizl\u0259ri d\u0259 \u0259n y\u00fcks\u0259k olan istehlak kreditl\u0259rind\u0259 qeyd\u0259 al\u0131n\u0131b. Bu da \u00f6lk\u0259 \u00fczr\u0259 \u00fcmumi kredit faizl\u0259rin\u0259 art\u0131r\u0131c\u0131 t\u0259sirini g\u00f6st\u0259rir.<\/strong><\/p>\n

Kredit portfeli, x\u00fcsusil\u0259 istehlak kreditl\u0259rind\u0259ki y\u00fcks\u0259li\u015f problemli kreditl\u0259ri d\u0259 art\u0131r\u0131r. 2025-ci ilin sentyabr\u0131n 1-n\u0259 Az\u0259rbaycanda kredit t\u0259\u015fkilatlar\u0131n\u0131n c\u0259mi kredit portfelind\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi 530,9 milyon manat t\u0259\u015fkil edib. Vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi h\u0259cmi \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57,8 milyon manat v\u0259 ya y\u0259ni 12,2 faiz, ayl\u0131q m\u00fcqayis\u0259d\u0259 is\u0259 1,5 milyon manat v\u0259 ya 0,3 faiz art\u0131b.<\/p>\n

Diqq\u0259t\u00e7\u0259kici fakt budur ki, problemli kreditl\u0259rin art\u0131m\u0131 tamamil\u0259 faizl\u0259ri s\u00fcr\u0259tl\u0259 artan milli valyutadak\u0131 kreditl\u0259rin hesab\u0131na ba\u015f verib. Bel\u0259 ki, manatla vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi h\u0259cmi 434,3 milyon manata \u00e7at\u0131b. Bu, illik m\u00fcqayis\u0259d\u0259 65,3 milyon manat (17,7 faiz), son bir ayda is\u0259 0,7 milyon manat (0,2 faiz) art\u0131m dem\u0259kdir.<\/p>\n

Manatla problemli kreditl\u0259rin art\u0131m\u0131nda onlar\u0131n faizinin daha y\u00fcks\u0259k olmas\u0131 da ciddi rol oynay\u0131r. AMB-nin m\u0259lumat\u0131na \u0259sas\u0259n 2025-ci il sentyabr\u0131n 1-n\u0259 milli valyutada yeni kreditl\u0259r \u00fczr\u0259 orta illik faiz d\u0259r\u0259c\u0259si 18,52 faiz t\u0259\u015fkil edib. Bu, o dem\u0259kdir ki, ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 manatla yeni kreditl\u0259r \u00fczr\u0259 orta d\u0259r\u0259c\u0259l\u0259r 1,96 faiz art\u0131b.<\/strong><\/p>\n

Bel\u0259likl\u0259, ayd\u0131n g\u00f6r\u00fcn\u00fcr ki, M\u0259rk\u0259zi Bank\u0131n istehlak kreditl\u0259rinin art\u0131m\u0131na qar\u015f\u0131 y\u00f6n\u0259lmi\u015f add\u0131mlar\u0131 m\u00fc\u0259yy\u0259n m\u00fcsb\u0259t n\u0259tic\u0259l\u0259r verir. Lakin bu, \u00fcmumilikd\u0259 istehlak kreditl\u0259rinin pay\u0131n\u0131n azalmas\u0131na h\u0259l\u0259lik g\u0259tirib \u00e7\u0131xarmay\u0131b. Bunun da bir s\u0131ra s\u0259b\u0259bl\u0259ri var, onlar\u0131n aras\u0131nda \u0259n m\u00fch\u00fcm olan\u0131 \u0259halinin t\u0259l\u0259bat\u0131n\u0131n y\u00fcks\u0259k olmas\u0131d\u0131r. G\u0259lirl\u0259rin real art\u0131m\u0131n\u0131n dayanmas\u0131 insanlar\u0131 getdikc\u0259 \u00f6z ehtiyaclar\u0131n\u0131n daha \u00e7ox hiss\u0259sini kredit hesab\u0131na qar\u015f\u0131lamaq m\u0259cburiyy\u0259tind\u0259 qoyur.<\/p>\n

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

Az\u0259rbaycanda kredit kartlar\u0131n\u0131n say\u0131 azal\u0131b. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 statistikaya \u0259sas\u0259n kredit kartlar\u0131n\u0131n say\u0131 iyuldak\u0131 2 milyon 223 min \u0259d\u0259dd\u0259n avqust ay\u0131nda 2 milyon 123 min\u0259 q\u0259d\u0259r azal\u0131b. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fcnd\u0259 kredit kartlar\u0131n\u0131n say\u0131 2 milyon 282 min \u0259d\u0259d olub. Bu, ayl\u0131q ifad\u0259d\u0259 4.5 faiz, illik ifad\u0259d\u0259 is\u0259 7 faiz azalma dem\u0259kdir. Kredit kartlar\u0131 il\u0259 h\u0259yata ke\u00e7iril\u0259n \u0259m\u0259liyyatlar\u0131n say\u0131 \u00f6t\u0259n ilin avqustunda 13017-y\u0259, bu ilin iyulunda 14151-\u0259, avqustda is\u0259 13075-\u0259 b\u0259rab\u0259r olub. Bu is\u0259 ayl\u0131q 7,6 faiz azalma, illik ifad\u0259d\u0259 is\u0259 0,5 faiz art\u0131md\u0131r. 2025-ci ilin yanvar-avqust aylar\u0131 \u0259rzind\u0259…<\/p>\n","protected":false},"author":2,"featured_media":830064,"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\/10\/479a65c1cc661aadf6ff34fe7d4cc8df.jpg",690,462,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df.jpg",690,462,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df.jpg",690,462,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df-545x365.jpg",545,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df.jpg",640,429,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df.jpg",690,462,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df.jpg",690,462,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/479a65c1cc661aadf6ff34fe7d4cc8df.jpg",690,462,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\u0259rbaycanda kredit kartlar\u0131n\u0131n say\u0131 azal\u0131b. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 statistikaya \u0259sas\u0259n kredit kartlar\u0131n\u0131n say\u0131 iyuldak\u0131 2 milyon 223 min \u0259d\u0259dd\u0259n avqust ay\u0131nda 2 milyon 123 min\u0259 q\u0259d\u0259r azal\u0131b. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fcnd\u0259 kredit kartlar\u0131n\u0131n say\u0131 2 milyon 282 min \u0259d\u0259d olub. Bu, ayl\u0131q ifad\u0259d\u0259 4.5 faiz, illik ifad\u0259d\u0259 is\u0259 7 faiz azalma dem\u0259kdir. Kredit kartlar\u0131…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/830063"}],"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=830063"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/830063\/revisions"}],"predecessor-version":[{"id":830066,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/830063\/revisions\/830066"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/830064"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=830063"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=830063"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=830063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}