{"id":849478,"date":"2026-04-24T13:41:45","date_gmt":"2026-04-24T09:41:45","guid":{"rendered":"https:\/\/arantv.az\/?p=849478"},"modified":"2026-04-24T13:41:45","modified_gmt":"2026-04-24T09:41:45","slug":"s%c9%99l%c9%99mcil%c9%99rin-haram-pul-qazanmaq-isi-c%c9%99tinl%c9%99sir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=849478","title":{"rendered":"S\u0259l\u0259m\u00e7il\u0259rin haram pul qazanmaq i\u015fi \u00e7\u0259tinl\u0259\u015fir"},"content":{"rendered":"<p><strong>Faiz m\u00fcqabilind\u0259 borc verilm\u0259si \u2013 s\u0259l\u0259m\u00e7ilikl\u0259 ba\u011fl\u0131 m\u00fcnasib\u0259tl\u0259r(dinimizd\u0259 haram v\u0259 b\u00f6y\u00fck g\u00fcnah say\u0131l\u0131r) ilk bax\u0131\u015fdan sad\u0259 g\u00f6r\u00fcns\u0259 d\u0259, praktikada v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn ciddi h\u00fcquqi riskl\u0259r yarada bil\u0259r. Buna g\u00f6r\u0259 d\u0259 bel\u0259 \u0259m\u0259liyyatlara ba\u015flamazdan \u0259vv\u0259l bir s\u0131ra vacib h\u00fcquqi m\u0259qamlar\u0131n n\u0259z\u0259r\u0259 al\u0131nmas\u0131 z\u0259ruridir.<\/strong><\/p>\n<p>M\u00fclki M\u0259c\u0259ll\u0259nin 740.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, qanunda v\u0259 ya m\u00fcqavil\u0259d\u0259 ba\u015fqa qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcver\u0259n borcalandan m\u00fcqavil\u0259d\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada v\u0259 m\u0259bl\u0259\u011fd\u0259 faiz t\u0259l\u0259b ed\u0259 bil\u0259r. Y\u0259ni faizl\u0259 borc verm\u0259k prinsip etibaril\u0259 qanunla qada\u011fan edilmir v\u0259 fiziki \u015f\u0259xsl\u0259r aras\u0131ndak\u0131 bu m\u00fcnasib\u0259tl\u0259r\u0259 m\u0259i\u015f\u0259t dilind\u0259 ad\u0259t\u0259n \u201cs\u0259l\u0259m\u00e7ilik\u201d deyilir. Lakin \u0259sas probleml\u0259r m\u0259hz bu m\u00fcnasib\u0259tl\u0259rin h\u00fcquqi bax\u0131mdan d\u00fczg\u00fcn r\u0259smil\u0259\u015fdirilm\u0259m\u0259sind\u0259n qaynaqlan\u0131r.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><img src=\"https:\/\/publika.az\/storage\/2018\/08\/03\/ali-mehkeme.jpg\" alt=\"Picture background\" \/><\/strong><\/p>\n<p><strong>Ali M\u0259hk\u0259m\u0259d\u0259n Musavat.com-a veril\u0259n m\u0259lumatda qeyd olunur ki, praktikada fiziki \u015f\u0259xsl\u0259r aras\u0131nda borc m\u00fcnasib\u0259tl\u0259ri \u00e7ox vaxt qeyri-r\u0259smi \u015f\u0259kild\u0259 qurulur, yaz\u0131l\u0131 m\u00fcqavil\u0259 ba\u011flanm\u0131r v\u0259 ya ba\u011flansa bel\u0259, \u0259sas \u015f\u0259rtl\u0259r \u2013 borcun m\u0259bl\u0259\u011fi, faiz d\u0259r\u0259c\u0259si, qaytar\u0131lma m\u00fcdd\u0259ti v\u0259 \u00f6d\u0259ni\u015f qaydas\u0131 d\u0259qiq g\u00f6st\u0259rilmir. Bu is\u0259 sonradan t\u0259r\u0259fl\u0259r aras\u0131nda m\u00fcbahis\u0259 yarand\u0131qda s\u00fcbutetm\u0259ni xeyli \u00e7\u0259tinl\u0259\u015fdirir. Bundan ba\u015fqa, \u00f6d\u0259ni\u015fl\u0259rin na\u011fd \u015f\u0259kild\u0259 v\u0259 s\u0259n\u0259dsiz h\u0259yata ke\u00e7irilm\u0259si d\u0259 ciddi riskl\u0259r yarad\u0131r. H\u0259r bir \u00f6d\u0259ni\u015fin q\u0259bz, bank k\u00f6\u00e7\u00fcrm\u0259si v\u0259 ya dig\u0259r r\u0259smi s\u0259n\u0259dl\u0259rl\u0259 t\u0259sdiql\u0259nm\u0259si t\u0259r\u0259fl\u0259rin h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 bax\u0131m\u0131ndan m\u00fch\u00fcm \u0259h\u0259miyy\u0259t da\u015f\u0131y\u0131r.<\/strong><\/p>\n<p>Dig\u0259r vacib m\u0259qam f\u0259aliyy\u0259tin xarakteri il\u0259 ba\u011fl\u0131d\u0131r. \u018fg\u0259r bir \u015f\u0259xs davaml\u0131 v\u0259 sistemli \u015f\u0259kild\u0259 m\u00fcxt\u0259lif \u015f\u0259xsl\u0259r\u0259 faizl\u0259 borc verirs\u0259, bu f\u0259aliyy\u0259t art\u0131q sahibkarl\u0131q f\u0259aliyy\u0259ti kimi qiym\u0259tl\u0259ndiril\u0259 bil\u0259r. Qanunvericiliy\u0259 \u0259sas\u0259n sahibkarl\u0131q f\u0259aliyy\u0259ti d\u00f6vl\u0259t qeydiyyat\u0131ndan ke\u00e7m\u0259kl\u0259 h\u0259yata ke\u00e7irilm\u0259lidir. \u018fks halda, bel\u0259 f\u0259aliyy\u0259t qanunsuz sahibkarl\u0131q kimi d\u0259y\u0259rl\u0259ndiril\u0259 v\u0259 h\u00fcquqi m\u0259suliyy\u0259t yarada bil\u0259r. M\u0259hk\u0259m\u0259 t\u0259cr\u00fcb\u0259si d\u0259 g\u00f6st\u0259rir ki, borc ver\u0259n \u015f\u0259xsl\u0259rin f\u0259aliyy\u0259tind\u0259 qanunsuz sahibkarl\u0131q v\u0259 ya dig\u0259r h\u00fcquq pozuntular\u0131n\u0131n \u0259lam\u0259tl\u0259ri a\u015fkar edildikd\u0259 m\u0259hk\u0259m\u0259l\u0259r t\u0259r\u0259find\u0259n x\u00fcsusi q\u0259rardadlar \u00e7\u0131xar\u0131laraq materiallar prosessual qiym\u0259t verilm\u0259si \u00fc\u00e7\u00fcn prokurorluq orqanlar\u0131na g\u00f6nd\u0259rilir. Bu riskl\u0259ri minimuma endirm\u0259k \u00fc\u00e7\u00fcn bir s\u0131ra m\u00fch\u00fcm qaydalara \u0259m\u0259l olunmas\u0131 m\u0259qs\u0259d\u0259uy\u011fundur. \u0130lk n\u00f6vb\u0259d\u0259, borc m\u00fcnasib\u0259tl\u0259ri m\u00fctl\u0259q yaz\u0131l\u0131 m\u00fcqavil\u0259 il\u0259 r\u0259smil\u0259\u015fdirilm\u0259li, m\u00fcqavil\u0259d\u0259 b\u00fct\u00fcn \u0259sas \u015f\u0259rtl\u0259r \u2013 m\u0259bl\u0259\u011f, faiz, m\u00fcdd\u0259t v\u0259 qaytar\u0131lma qaydas\u0131 ayd\u0131n \u015f\u0259kild\u0259 g\u00f6st\u0259rilm\u0259lidir.<\/p>\n<p><strong>Eyni zamanda, \u00f6d\u0259ni\u015fl\u0259rin m\u00fcmk\u00fcn q\u0259d\u0259r bank vasit\u0259sil\u0259 apar\u0131lmas\u0131 v\u0259 ya dig\u0259r s\u0259n\u0259dl\u0259\u015fdirilmi\u015f \u00fcsullarla h\u0259yata ke\u00e7irilm\u0259si t\u00f6vsiy\u0259 olunur. \u018fg\u0259r bu f\u0259aliyy\u0259t m\u00fct\u0259madi xarakter da\u015f\u0131y\u0131rsa, onun h\u00fcquqi statusunun d\u00fczg\u00fcn m\u00fc\u0259yy\u0259n edil\u0259r\u0259k qanunvericiliyin t\u0259l\u0259bl\u0259rin\u0259 uy\u011funla\u015fd\u0131r\u0131lmas\u0131 da vacibdir. N\u0259tic\u0259 etibaril\u0259, faizl\u0259 borc verm\u0259k h\u00fcquqi bax\u0131mdan m\u00fcmk\u00fcn olsa da, bu m\u00fcnasib\u0259tl\u0259rin d\u00fczg\u00fcn qurulmamas\u0131 h\u0259m ciddi maliyy\u0259 itkil\u0259rin\u0259, h\u0259m d\u0259 h\u00fcquqi m\u0259suliyy\u0259t\u0259 s\u0259b\u0259b ola bil\u0259r. Buna g\u00f6r\u0259 d\u0259 bel\u0259 \u0259m\u0259liyyatlarda ehtiyatl\u0131 davranmaq v\u0259 z\u0259rur\u0259t yarand\u0131qda h\u00fcquq\u015f\u00fcnas m\u0259sl\u0259h\u0259tind\u0259n istifad\u0259 etm\u0259k vacib hesab olunur.<\/strong><\/p>\n<p><strong>E.M\u0259mm\u0259d\u0259liyev,\u00a0<\/strong><br \/>\n<strong>Musavat.com<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faiz m\u00fcqabilind\u0259 borc verilm\u0259si \u2013 s\u0259l\u0259m\u00e7ilikl\u0259 ba\u011fl\u0131 m\u00fcnasib\u0259tl\u0259r(dinimizd\u0259 haram v\u0259 b\u00f6y\u00fck g\u00fcnah say\u0131l\u0131r) ilk bax\u0131\u015fdan sad\u0259 g\u00f6r\u00fcns\u0259 d\u0259, praktikada v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn ciddi h\u00fcquqi riskl\u0259r yarada bil\u0259r. Buna g\u00f6r\u0259 d\u0259 bel\u0259 \u0259m\u0259liyyatlara ba\u015flamazdan \u0259vv\u0259l bir s\u0131ra vacib h\u00fcquqi m\u0259qamlar\u0131n n\u0259z\u0259r\u0259 al\u0131nmas\u0131 z\u0259ruridir. M\u00fclki M\u0259c\u0259ll\u0259nin 740.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, qanunda v\u0259 ya m\u00fcqavil\u0259d\u0259 ba\u015fqa qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcver\u0259n borcalandan m\u00fcqavil\u0259d\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada v\u0259 m\u0259bl\u0259\u011fd\u0259 faiz t\u0259l\u0259b ed\u0259 bil\u0259r. Y\u0259ni faizl\u0259 borc verm\u0259k prinsip etibaril\u0259 qanunla qada\u011fan edilmir v\u0259 fiziki \u015f\u0259xsl\u0259r aras\u0131ndak\u0131 bu m\u00fcnasib\u0259tl\u0259r\u0259 m\u0259i\u015f\u0259t dilind\u0259 ad\u0259t\u0259n \u201cs\u0259l\u0259m\u00e7ilik\u201d deyilir. Lakin \u0259sas probleml\u0259r m\u0259hz&hellip;<\/p>\n","protected":false},"author":2,"featured_media":849479,"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\/04\/ed558988e4df81787878e19894c1af92.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/04\/ed558988e4df81787878e19894c1af92.jpg",800,500,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=26\" rel=\"category\">Sosial<\/a>","rttpg_excerpt":"Faiz m\u00fcqabilind\u0259 borc verilm\u0259si \u2013 s\u0259l\u0259m\u00e7ilikl\u0259 ba\u011fl\u0131 m\u00fcnasib\u0259tl\u0259r(dinimizd\u0259 haram v\u0259 b\u00f6y\u00fck g\u00fcnah say\u0131l\u0131r) ilk bax\u0131\u015fdan sad\u0259 g\u00f6r\u00fcns\u0259 d\u0259, praktikada v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn ciddi h\u00fcquqi riskl\u0259r yarada bil\u0259r. Buna g\u00f6r\u0259 d\u0259 bel\u0259 \u0259m\u0259liyyatlara ba\u015flamazdan \u0259vv\u0259l bir s\u0131ra vacib h\u00fcquqi m\u0259qamlar\u0131n n\u0259z\u0259r\u0259 al\u0131nmas\u0131 z\u0259ruridir. M\u00fclki M\u0259c\u0259ll\u0259nin 740.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, qanunda v\u0259 ya m\u00fcqavil\u0259d\u0259 ba\u015fqa qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcver\u0259n&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/849478"}],"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=849478"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/849478\/revisions"}],"predecessor-version":[{"id":849480,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/849478\/revisions\/849480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/849479"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=849478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=849478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=849478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}