{"id":831834,"date":"2025-10-25T17:16:14","date_gmt":"2025-10-25T13:16:14","guid":{"rendered":"https:\/\/arantv.az\/?p=831834"},"modified":"2025-10-25T17:16:14","modified_gmt":"2025-10-25T13:16:14","slug":"v%c9%99t%c9%99ndaslar-kredit-borcunu-niy%c9%99-qaytarmir-s%c9%99b%c9%99b-g%c9%99lirdir-yoxsa","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=831834","title":{"rendered":"V\u0259t\u0259nda\u015flar kredit borcunu niy\u0259 qaytarm\u0131r &#8211; s\u0259b\u0259b g\u0259lirdir, yoxsa..?"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<p><strong>Son 5 ild\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi m\u00fcxt\u0259lif istiqam\u0259tl\u0259rd\u0259 d\u0259yi\u015fib. Valyuta.az x\u0259b\u0259r verir ki, 2025-ci il sentyabr\u0131n 1-i v\u0259ziyy\u0259tin\u0259 g\u00f6r\u0259, gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 530,9 milyon manat t\u0259\u015fkil edib. Bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57,8 milyon manat v\u0259 ya 12,21% art\u0131m dem\u0259kdir.<\/strong><\/p>\n<p>Gecikmi\u015f kreditl\u0259r problemi nec\u0259 h\u0259ll edil\u0259 bil\u0259r, ba\u011f\u0131\u015flanmas\u0131 m\u00fcmk\u00fcnd\u00fcrm\u00fc?<\/p>\n<p>M\u00f6vzu il\u0259 ba\u011fl\u0131 iqtisad\u00e7\u0131 Natiq C\u0259f\u0259rli Musavat.com-a dan\u0131\u015f\u0131b. \u0130qtisad\u00e7\u0131 qeyd edib ki, Az\u0259rbaycanda gecikmi\u015f kreditl\u0259rin h\u0259cmi getdikc\u0259 art\u0131r:<\/p>\n<p>&#8220;\u0130lk bax\u0131\u015fda r\u0259q\u0259ml\u0259r ki\u00e7ik g\u00f6r\u00fcns\u0259 d\u0259, \u0259slind\u0259 bu tendensiya \u00e7ox ciddi t\u0259hl\u00fck\u0259nin x\u0259b\u0259r\u00e7isidir. Do\u011frudur, haz\u0131rda problemli kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 pay\u0131 t\u0259xmin\u0259n 1,8 faiz civar\u0131ndad\u0131r. Bu g\u00f6st\u0259rici kritik h\u0259dd say\u0131lmasa da, v\u0259ziyy\u0259tin davaml\u0131 \u015f\u0259kild\u0259 pisl\u0259\u015fm\u0259si narahatl\u0131q do\u011furur. Ad\u0259t\u0259n bu r\u0259q\u0259m 3 faizi ke\u00e7\u0259nd\u0259 art\u0131q \u201ch\u0259y\u0259can t\u0259bili\u201d \u00e7al\u0131n\u0131r v\u0259 d\u00f6vl\u0259t qurumlar\u0131 il\u0259 bank sektorunun ciddi t\u0259dbirl\u0259r g\u00f6rm\u0259si z\u0259rur\u0259t\u0259 \u00e7evrilir.<\/p>\n<p>Haz\u0131rda gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi \u00e7ox b\u00f6y\u00fck olmasa da, t\u0259hl\u00fck\u0259li olan m\u0259qam onlar\u0131n h\u0259r ay artmas\u0131d\u0131r. Statistik tendensiya g\u00f6st\u0259rir ki, dem\u0259k olar, h\u0259r ay problemli kreditl\u0259rin say\u0131 v\u0259 h\u0259cmi art\u0131r. Bu is\u0259 birba\u015fa insanlar\u0131n g\u0259lirl\u0259rinin azalmas\u0131 v\u0259 kredit \u00f6hd\u0259likl\u0259rini yerin\u0259 yetirm\u0259k imkanlar\u0131n\u0131n m\u0259hdudla\u015fmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r.<\/p>\n<p>\u018fg\u0259r v\u0259t\u0259nda\u015flar ald\u0131qlar\u0131 kreditl\u0259ri qaytara bilmirs\u0259, dem\u0259li, onlar\u0131n real g\u0259lirl\u0259ri ya azal\u0131b, ya da inflyasiyan\u0131n t\u0259siri alt\u0131nda d\u0259y\u0259r itirib. Y\u0259ni insanlar\u0131n x\u0259rcl\u0259ri art\u0131r, g\u0259lirl\u0259ri is\u0259 eyni templ\u0259 artm\u0131r.<\/p>\n<p>Bel\u0259 \u015f\u0259raitd\u0259 b\u0259zi v\u0259t\u0259nda\u015flar \u201cproblemli kreditl\u0259rin ba\u011f\u0131\u015flanmas\u0131\u201d m\u0259s\u0259l\u0259sini yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259tirirl\u0259r. Lakin bu add\u0131m\u0131n at\u0131laca\u011f\u0131 g\u00f6zl\u0259nilmir. \u00c7\u00fcnki bu m\u00f6vzuda art\u0131q onlarla, h\u0259tta y\u00fczl\u0259rl\u0259 m\u0259hk\u0259m\u0259 q\u0259rar\u0131 var v\u0259 h\u00fcquqi prosesl\u0259r davam edir. Banklar kreditl\u0259rini geri almaq \u00fc\u00e7\u00fcn m\u0259hk\u0259m\u0259l\u0259r\u0259 m\u00fcraci\u0259t edirl\u0259rs\u0259, dem\u0259li, bu, onlar\u0131n maliyy\u0259 sabitliyinin qorunmas\u0131 bax\u0131m\u0131ndan qa\u00e7\u0131lmaz add\u0131md\u0131r.<\/p>\n<p>\u018fslind\u0259, \u0259sas diqq\u0259t kreditl\u0259rin ba\u011f\u0131\u015flanmas\u0131na deyil, art\u0131m\u0131n s\u0259b\u0259bl\u0259rinin ara\u015fd\u0131r\u0131lmas\u0131na y\u00f6n\u0259lm\u0259lidir. Problemin k\u00f6k\u00fcnd\u0259 insanlar\u0131n real g\u0259lirl\u0259rinin azalmas\u0131, inflyasiyan\u0131n al\u0131c\u0131l\u0131q qabiliyy\u0259tini z\u0259ifl\u0259tm\u0259si v\u0259 \u0259m\u0259k bazar\u0131ndak\u0131 qeyri-sabitlik dayan\u0131r. Bu amill\u0259r aradan qald\u0131r\u0131lmadan n\u0259 kredit y\u00fck\u00fc azalacaq, n\u0259 d\u0259 bank sektoru dayan\u0131ql\u0131 sabitliy\u0259 qovu\u015facaq.<\/p>\n<p>Yekun olaraq dem\u0259k olar ki, gecikmi\u015f kreditl\u0259rin pay\u0131 h\u0259l\u0259 kritik h\u0259ddi ke\u00e7m\u0259s\u0259 d\u0259, art\u0131m dinamikas\u0131 narahatl\u0131q do\u011furur. H\u00f6kum\u0259t v\u0259 M\u0259rk\u0259zi Bank bu siqnal\u0131 vaxt\u0131nda d\u0259y\u0259rl\u0259ndirm\u0259li, insanlar\u0131n g\u0259lirl\u0259rini art\u0131rma\u011fa, kredit y\u00fck\u00fcn\u00fc optimalla\u015fd\u0131rma\u011fa v\u0259 maliyy\u0259 savadl\u0131l\u0131\u011f\u0131n\u0131 y\u00fcks\u0259ltm\u0259y\u0259 y\u00f6n\u0259lmi\u015f add\u0131mlar atmal\u0131d\u0131r. \u018fks halda, bu ki\u00e7ik faiz g\u00f6st\u0259ricisi yax\u0131n aylarda iqtisadi sabitlik \u00fc\u00e7\u00fcn ciddi t\u0259hdid\u0259 \u00e7evril\u0259 bil\u0259r&#8221;.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Xalid\u0259 G\u0259ray<\/strong><br \/>\n<strong>Musavat.com<\/strong><\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\">\n<div class=\"icon\"><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Son 5 ild\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi m\u00fcxt\u0259lif istiqam\u0259tl\u0259rd\u0259 d\u0259yi\u015fib. Valyuta.az x\u0259b\u0259r verir ki, 2025-ci il sentyabr\u0131n 1-i v\u0259ziyy\u0259tin\u0259 g\u00f6r\u0259, gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 530,9 milyon manat t\u0259\u015fkil edib. Bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57,8 milyon manat v\u0259 ya 12,21% art\u0131m dem\u0259kdir. Gecikmi\u015f kreditl\u0259r problemi nec\u0259 h\u0259ll edil\u0259 bil\u0259r, ba\u011f\u0131\u015flanmas\u0131 m\u00fcmk\u00fcnd\u00fcrm\u00fc? M\u00f6vzu il\u0259 ba\u011fl\u0131 iqtisad\u00e7\u0131 Natiq C\u0259f\u0259rli Musavat.com-a dan\u0131\u015f\u0131b. \u0130qtisad\u00e7\u0131 qeyd edib ki, Az\u0259rbaycanda gecikmi\u015f kreditl\u0259rin h\u0259cmi getdikc\u0259 art\u0131r: &#8220;\u0130lk bax\u0131\u015fda r\u0259q\u0259ml\u0259r ki\u00e7ik g\u00f6r\u00fcns\u0259 d\u0259, \u0259slind\u0259 bu tendensiya \u00e7ox ciddi t\u0259hl\u00fck\u0259nin x\u0259b\u0259r\u00e7isidir. Do\u011frudur, haz\u0131rda problemli kreditl\u0259rin \u00fcmumi&hellip;<\/p>\n","protected":false},"author":2,"featured_media":831835,"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\/26baecb7adff02931432e49e4f514081.jpg",637,400,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081.jpg",637,400,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081.jpg",637,400,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081-581x365.jpg",581,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081.jpg",637,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081.jpg",637,400,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081.jpg",637,400,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/10\/26baecb7adff02931432e49e4f514081.jpg",637,400,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=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Son 5 ild\u0259 \u00f6d\u0259m\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi m\u00fcxt\u0259lif istiqam\u0259tl\u0259rd\u0259 d\u0259yi\u015fib. Valyuta.az x\u0259b\u0259r verir ki, 2025-ci il sentyabr\u0131n 1-i v\u0259ziyy\u0259tin\u0259 g\u00f6r\u0259, gecikmi\u015f kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 530,9 milyon manat t\u0259\u015fkil edib. Bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57,8 milyon manat v\u0259 ya 12,21% art\u0131m dem\u0259kdir. Gecikmi\u015f kreditl\u0259r problemi nec\u0259 h\u0259ll edil\u0259 bil\u0259r, ba\u011f\u0131\u015flanmas\u0131 m\u00fcmk\u00fcnd\u00fcrm\u00fc? M\u00f6vzu&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/831834"}],"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=831834"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/831834\/revisions"}],"predecessor-version":[{"id":831836,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/831834\/revisions\/831836"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/831835"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=831834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=831834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=831834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}