Son ill\u0259r Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 m\u00fczakir\u0259l\u0259r getdikc\u0259 daha da intensivl\u0259\u015fir.<\/p>\n
Uzun ill\u0259r i\u015fl\u0259m\u0259sin\u0259 baxmayaraq, ald\u0131\u011f\u0131 pensiyan\u0131n a\u015fa\u011f\u0131 olmas\u0131ndan naraz\u0131 qalan v\u0259t\u0259nda\u015flar\u0131n say\u0131 az deyil. Bu naraz\u0131l\u0131qlar b\u0259z\u0259n s\u0131ravi i\u015f\u00e7il\u0259rl\u0259 m\u0259hdudla\u015fm\u0131r, h\u0259tta ke\u00e7mi\u015f y\u00fcks\u0259k v\u0259zif\u0259li \u015f\u0259xsl\u0259r v\u0259 sabiq hakiml\u0259r d\u0259 a\u015fa\u011f\u0131 pensiya m\u0259bl\u0259\u011find\u0259n \u015fikay\u0259t edirl\u0259r. Dig\u0259r t\u0259r\u0259fd\u0259n, b\u0259zi hallarda pensiyalar\u0131n art\u0131q hesabland\u0131\u011f\u0131, sonradan geri qaytar\u0131lmal\u0131 oldu\u011fu da ortaya \u00e7\u0131x\u0131r. B\u00fct\u00fcn bunlar pensiya hesablanmas\u0131 mexanizminin c\u0259miyy\u0259td\u0259 kifay\u0259t q\u0259d\u0259r ayd\u0131n olmad\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir.<\/p>\n
Sfera.az bildirir ki, x\u00fcsusil\u0259 2026-c\u0131 ild\u0259n etibar\u0259n staj\u0131n hesablanmas\u0131nda n\u0259z\u0259rd\u0259 tutulan d\u0259yi\u015fiklikl\u0259r m\u00f6vzunu daha \u0430\u043a\u0442\u0443alla\u015fd\u0131r\u0131r.<\/p>\n
M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Liberal \u0130qtisad\u00e7\u0131lar M\u0259rk\u0259zinin s\u0259dri, iqtisad\u00e7\u0131 ekspert Akif N\u0259sirli Nocomment.az-a bildirib ki, haz\u0131rda Az\u0259rbaycanda ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131n\u0131n hesablanmas\u0131 \u0259sas\u0259n toplanm\u0131\u015f pensiya kapital\u0131na \u0259saslan\u0131r:<\/p>\n
\u201cQanunvericiliy\u0259 g\u00f6r\u0259, \u015f\u0259xsin f\u0259rdi hesab\u0131nda toplanm\u0131\u015f s\u0131\u011forta kapital\u0131 g\u00f6zl\u0259nil\u0259n pensiya \u00f6d\u0259ni\u015fi m\u00fcdd\u0259tin\u0259 \u2013 y\u0259ni 144 aya b\u00f6l\u00fcn\u00fcr v\u0259 ayl\u0131q pensiya m\u0259bl\u0259\u011fi bu yolla m\u00fc\u0259yy\u0259n edilir. Bu mexanizm ka\u011f\u0131z \u00fcz\u0259rind\u0259 \u0259dal\u0259tli g\u00f6r\u00fcns\u0259 d\u0259, real h\u0259yatda insanlar\u0131n \u0259m\u0259k f\u0259aliyy\u0259ti v\u0259 g\u0259lirl\u0259ri il\u0259 tam uzla\u015fm\u0131r.<\/p>\n
Pensiya kapital\u0131n\u0131n formala\u015fmas\u0131nda \u0259sas m\u0259rh\u0259l\u0259l\u0259rd\u0259n biri 2006-c\u0131 il yanvar\u0131n 1-d\u0259k olan d\u00f6vr\u0259 aiddir. H\u0259min tarix\u0259d\u0259k h\u0259r il \u00fc\u00e7\u00fcn 306 manat h\u0259cmind\u0259 pensiya kapital\u0131 hesablan\u0131r v\u0259 bu g\u00f6st\u0259rici sonradan indeksl\u0259\u015fdirilir. Daha sonra 2006-c\u0131 ild\u0259n sonrak\u0131 d\u00f6vrd\u0259 r\u0259smi maa\u015flardan tutulmu\u015f sosial s\u0131\u011forta haqlar\u0131 bu kapitala \u0259lav\u0259 olunur. N\u0259tic\u0259d\u0259 yaranan \u00fcmumi m\u0259bl\u0259\u011f pensiyan\u0131n \u0259sas\u0131n\u0131 t\u0259\u015fkil edir.<\/p>\n
Lakin problem ondad\u0131r ki, uzun ill\u0259r qeyri-r\u0259smi i\u015fl\u0259y\u0259n, maa\u015f\u0131n\u0131 tam \u015f\u0259kild\u0259 r\u0259smil\u0259\u015fdir\u0259 bilm\u0259y\u0259n \u015f\u0259xsl\u0259rin kapital\u0131 a\u015fa\u011f\u0131 olur v\u0259 bu da birba\u015fa pensiyaya t\u0259sir edir.<\/p>\n
2019\u20132025-ci ill\u0259rd\u0259 t\u0259tbiq olunan mexanizm\u0259 \u0259sas\u0259n, avtomatla\u015fd\u0131r\u0131lm\u0131\u015f qaydada pensiya t\u0259yin edil\u0259rk\u0259n, \u015f\u0259xsin f\u0259rdi hesab\u0131nda 2018-ci ilin 1 iyul tarixin\u0259d\u0259k m\u00fc\u0259yy\u0259n kapital\u0131 varsa, ona avtomatik olaraq 25 il staj yaz\u0131l\u0131rd\u0131. Bu, bir \u00e7ox insan \u00fc\u00e7\u00fcn pensiya h\u00fcququnun yaranmas\u0131na imkan verirdi. Lakin 2026-c\u0131 ild\u0259n etibar\u0259n bu qayda d\u0259yi\u015fir v\u0259 h\u0259r il \u00fc\u00e7\u00fcn bir il azald\u0131lacaq. Y\u0259ni 2026-c\u0131 ild\u0259 bu g\u00f6st\u0259rici 24 il, 2027-ci ild\u0259 23 il olacaq.<\/p>\n
Bu is\u0259 o dem\u0259kdir ki, g\u0259l\u0259c\u0259kd\u0259 daha az insana avtomatik \u015f\u0259kild\u0259 t\u0259l\u0259b olunan staj veril\u0259c\u0259k. Bu d\u0259yi\u015fiklikl\u0259r x\u00fcsusil\u0259 kifay\u0259t q\u0259d\u0259r kapital toplaya bilm\u0259y\u0259n \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn \u0259lav\u0259 \u00e7\u0259tinlik yarada bil\u0259r. \u00c7\u00fcnki qanunvericiliy\u0259 \u0259sas\u0259n, minimum pensiya kapital\u0131 \u2013 haz\u0131rda 46 080 manat \u2013 olmad\u0131\u011f\u0131 halda, \u015f\u0259xsin pensiya almaq \u00fc\u00e7\u00fcn \u0259n az\u0131 25 il staj\u0131 olmal\u0131d\u0131r.<\/p>\n
Yeni qaydalar fonunda bir \u00e7ox v\u0259t\u0259nda\u015f n\u0259 kapital, n\u0259 d\u0259 staj bax\u0131m\u0131ndan bu t\u0259l\u0259bl\u0259r\u0259 cavab verm\u0259y\u0259 bil\u0259r. Bu is\u0259 sosial g\u0259rginliyin artmas\u0131na s\u0259b\u0259b ola bil\u0259r\u201d.<\/p>\n
N\u0259sirlinin fikrinc\u0259, sistemin \u0259n z\u0259if t\u0259r\u0259fl\u0259rind\u0259n biri ke\u00e7mi\u015fd\u0259 m\u00f6vcud olan qeyri-r\u0259smi m\u0259\u015f\u011fullu\u011fun n\u0259tic\u0259l\u0259rinin bu g\u00fcn \u00f6z\u00fcn\u00fc a\u00e7\u0131q \u015f\u0259kild\u0259 g\u00f6st\u0259rm\u0259sidir:<\/p>\n
\u201cOn minl\u0259rl\u0259 insan ill\u0259rl\u0259 i\u015fl\u0259s\u0259 d\u0259, sosial s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri d\u00fczg\u00fcn apar\u0131lmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn indi a\u015fa\u011f\u0131 pensiya al\u0131r. D\u00f6vl\u0259t is\u0259 bu problemi \u0259sas\u0259n texniki qaydalarla h\u0259ll etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131r, sosial reall\u0131qlar\u0131 is\u0259 kifay\u0259t q\u0259d\u0259r n\u0259z\u0259r\u0259 alm\u0131r\u201d.<\/p>\n
Ke\u00e7mi\u015f hakiml\u0259rin pensiya t\u0259minat\u0131 m\u0259s\u0259l\u0259sin\u0259 toxunan ekspert bildirir ki, bu sah\u0259d\u0259 x\u00fcsusi g\u00fcz\u0259\u015ftl\u0259r m\u00f6vcuddur:<\/p>\n
\u201c15 il hakim i\u015fl\u0259mi\u015f \u015f\u0259xsl\u0259r\u0259 orta ayl\u0131q \u0259m\u0259khaqq\u0131n\u0131n 50 faizi h\u0259cmind\u0259 \u0259lav\u0259 t\u0259yin olunur, 15 ild\u0259n art\u0131q i\u015fl\u0259y\u0259nl\u0259r \u00fc\u00e7\u00fcn is\u0259 bu g\u00f6st\u0259rici maksimum 80 faiz\u0259 \u00e7at\u0131r. Bu, b\u0259zi pe\u015f\u0259 qruplar\u0131 \u00fc\u00e7\u00fcn daha y\u00fcks\u0259k t\u0259minat mexanizminin oldu\u011funu g\u00f6st\u0259rir v\u0259 sistemd\u0259 b\u0259rab\u0259rlik prinsipinin tam t\u0259min edilm\u0259diyini ortaya qoyur.<\/p>\n
M\u00f6vcud pensiya modeli uzunm\u00fcdd\u0259tli perspektivd\u0259 yenid\u0259n n\u0259z\u0259rd\u0259n ke\u00e7irilm\u0259lidir. T\u0259kc\u0259 kapital v\u0259 staj g\u00f6st\u0259ricil\u0259rin\u0259 \u0259saslanan mexanizm sosial \u0259dal\u0259ti tam t\u0259min etmir.<\/p>\n
X\u00fcsusil\u0259 ya\u015fl\u0131 n\u0259slin, sovet d\u00f6vr\u00fcnd\u0259 v\u0259 ke\u00e7id ill\u0259rind\u0259 \u00e7al\u0131\u015fan insanlar\u0131n maraqlar\u0131 daha geni\u015f \u015f\u0259kild\u0259 qorunmal\u0131d\u0131r. \u018fks halda, 2026-c\u0131 ild\u0259n sonra staj\u0131n azald\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 d\u0259yi\u015fiklikl\u0259r minl\u0259rl\u0259 v\u0259t\u0259nda\u015f\u0131n pensiya h\u00fcququnu risk alt\u0131na sala bil\u0259r\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
Son ill\u0259r Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 m\u00fczakir\u0259l\u0259r getdikc\u0259 daha da intensivl\u0259\u015fir. Uzun ill\u0259r i\u015fl\u0259m\u0259sin\u0259 baxmayaraq, ald\u0131\u011f\u0131 pensiyan\u0131n a\u015fa\u011f\u0131 olmas\u0131ndan naraz\u0131 qalan v\u0259t\u0259nda\u015flar\u0131n say\u0131 az deyil. Bu naraz\u0131l\u0131qlar b\u0259z\u0259n s\u0131ravi i\u015f\u00e7il\u0259rl\u0259 m\u0259hdudla\u015fm\u0131r, h\u0259tta ke\u00e7mi\u015f y\u00fcks\u0259k v\u0259zif\u0259li \u015f\u0259xsl\u0259r v\u0259 sabiq hakiml\u0259r d\u0259 a\u015fa\u011f\u0131 pensiya m\u0259bl\u0259\u011find\u0259n \u015fikay\u0259t edirl\u0259r. Dig\u0259r t\u0259r\u0259fd\u0259n, b\u0259zi hallarda pensiyalar\u0131n art\u0131q hesabland\u0131\u011f\u0131, sonradan geri qaytar\u0131lmal\u0131 oldu\u011fu da ortaya \u00e7\u0131x\u0131r. B\u00fct\u00fcn bunlar pensiya hesablanmas\u0131 mexanizminin c\u0259miyy\u0259td\u0259 kifay\u0259t q\u0259d\u0259r ayd\u0131n olmad\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir. Sfera.az bildirir ki, x\u00fcsusil\u0259 2026-c\u0131 ild\u0259n etibar\u0259n staj\u0131n hesablanmas\u0131nda n\u0259z\u0259rd\u0259 tutulan d\u0259yi\u015fiklikl\u0259r m\u00f6vzunu daha \u0430\u043a\u0442\u0443alla\u015fd\u0131r\u0131r. M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Liberal…<\/p>\n","protected":false},"author":2,"featured_media":841912,"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":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/02\/168df11304063a84b4dde7b927477df5.jpg",870,500,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"Sosial<\/a>","rttpg_excerpt":"Son ill\u0259r Az\u0259rbaycanda pensiya sistemi il\u0259 ba\u011fl\u0131 m\u00fczakir\u0259l\u0259r getdikc\u0259 daha da intensivl\u0259\u015fir. Uzun ill\u0259r i\u015fl\u0259m\u0259sin\u0259 baxmayaraq, ald\u0131\u011f\u0131 pensiyan\u0131n a\u015fa\u011f\u0131 olmas\u0131ndan naraz\u0131 qalan v\u0259t\u0259nda\u015flar\u0131n say\u0131 az deyil. Bu naraz\u0131l\u0131qlar b\u0259z\u0259n s\u0131ravi i\u015f\u00e7il\u0259rl\u0259 m\u0259hdudla\u015fm\u0131r, h\u0259tta ke\u00e7mi\u015f y\u00fcks\u0259k v\u0259zif\u0259li \u015f\u0259xsl\u0259r v\u0259 sabiq hakiml\u0259r d\u0259 a\u015fa\u011f\u0131 pensiya m\u0259bl\u0259\u011find\u0259n \u015fikay\u0259t edirl\u0259r. Dig\u0259r t\u0259r\u0259fd\u0259n, b\u0259zi hallarda pensiyalar\u0131n art\u0131q hesabland\u0131\u011f\u0131, sonradan geri…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/841911"}],"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=841911"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/841911\/revisions"}],"predecessor-version":[{"id":841913,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/841911\/revisions\/841913"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/841912"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=841911"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=841911"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=841911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}