{"id":851834,"date":"2026-05-12T17:37:00","date_gmt":"2026-05-12T13:37:00","guid":{"rendered":"https:\/\/arantv.az\/?p=851834"},"modified":"2026-05-12T17:37:00","modified_gmt":"2026-05-12T13:37:00","slug":"maas-gecikir-bir-az-da-vaxt-verin-lombardlarin-gerc%c9%99k-uzureportaj","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=851834","title":{"rendered":"\u201cMaa\u015f gecikir, bir az da vaxt verin…\u201d \u2013 Lombardlar\u0131n GER\u00c7\u018fK \u00fcz\u00fcREPORTAJ"},"content":{"rendered":"
\n

Az\u0259rbaycanda lombardlarla ba\u011fl\u0131 normativ-h\u00fcquqi bazan\u0131n haz\u0131rlanmas\u0131 yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n s\u0259dri Taleh Kaz\u0131mov bildirib ki, lombard f\u0259aliyy\u0259ti il\u0259 ba\u011fl\u0131 normativ-h\u00fcquqi baza haz\u0131rda raz\u0131la\u015fd\u0131r\u0131lma m\u0259rh\u0259l\u0259sind\u0259dir v\u0259 yax\u0131n g\u0259l\u0259c\u0259kd\u0259 bu sah\u0259y\u0259 d\u0259 t\u0259nziml\u0259m\u0259 g\u0259tiril\u0259c\u0259k.<\/strong><\/p>\n

Uzun ill\u0259rdir ekspertl\u0259r lombard sektorundak\u0131 \u0259sas probleml\u0259rd\u0259n dan\u0131\u015f\u0131rlar: girovlar\u0131n real bazar qiym\u0259tind\u0259n a\u015fa\u011f\u0131 qiym\u0259tl\u0259ndirilm\u0259si, y\u00fcks\u0259k faizl\u0259r, qeyri-\u015f\u0259ffaf \u015f\u0259rtl\u0259r v\u0259 v\u0259t\u0259nda\u015flar\u0131n \u00e7\u0131x\u0131lmaz v\u0259ziyy\u0259td\u0259 se\u00e7im qar\u015f\u0131s\u0131nda qalmas\u0131…<\/p>\n

Musavat.com<\/strong>\u00a0\u0259m\u0259kda\u015f\u0131 v\u0259ziyy\u0259ti yerind\u0259 ara\u015fd\u0131rmaq \u00fc\u00e7\u00fcn paytaxtdak\u0131 bir ne\u00e7\u0259 lombarda ba\u015f \u00e7\u0259kib.<\/p>\n

Qara Qarayev metrosunun \u00e7\u0131x\u0131\u015f\u0131nda iri h\u0259rfl\u0259rl\u0259 yaz\u0131lm\u0131\u015f \u201cLOMBARD\u201d s\u00f6z\u00fc uzaqdan diqq\u0259t \u00e7\u0259kir. \u0130\u00e7\u0259ri daxil olan kimi adam q\u0259rib\u0259 ab-havaya d\u00fc\u015f\u00fcr. Dar otaq, d\u0259mir seyfl\u0259r, masalar\u0131n \u00fcz\u0259rind\u0259 t\u0259r\u0259zil\u0259r, vitrind\u0259 q\u0131z\u0131llar… Burada zaman sanki ba\u015fqa c\u00fcr i\u015fl\u0259yir.<\/p>\n

\u0130\u00e7\u0259rid\u0259 iki qad\u0131n v\u0259 bir ki\u015fi m\u00fc\u015ft\u0259ril\u0259ri q\u0259bul edirdi. Ham\u0131s\u0131 qara geyimd\u0259 idi. Qad\u0131nlardan birinin qal\u0131n tatuajl\u0131 qa\u015flar\u0131, ki\u015finin is\u0259 ke\u00e7\u0259l ba\u015f\u0131 v\u0259 uzun saqqal\u0131 vard\u0131. El\u0259 bil k\u00f6hn\u0259 seriallardan \u00e7\u0131xm\u0131\u015f s\u0259l\u0259m\u00e7i obrazlar\u0131 idi. Telefon z\u0259ngl\u0259ri bir-birini \u0259v\u0259zl\u0259yirdi. Kimisi faiz soru\u015fur, kimisi vaxt ist\u0259yirdi.<\/p>\n

Yax\u0131nla\u015f\u0131b lombard\u0131n \u015f\u0259rtl\u0259ri il\u0259 maraqland\u0131\u011f\u0131m\u0131z\u0131 deyirik.<\/strong><\/p>\n

– N\u0259l\u0259ri girov g\u00f6t\u00fcr\u00fcrs\u00fcn\u00fcz?<\/p>\n

Qara geyimli ki\u015fi stulda arxaya s\u00f6yk\u0259nib sakit s\u0259sl\u0259 cavab verir:<\/strong><\/p>\n

– \u018fsas\u0259n q\u0131z\u0131l v\u0259 avtomobil. Ma\u015f\u0131n qoyan da \u00e7ox olur.<\/p>\n

Ma\u015f\u0131n\u0131m\u0131z olmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn qulaqdak\u0131 s\u0131r\u011fan\u0131 \u00e7\u0131xar\u0131b qad\u0131na uzad\u0131r\u0131q. Qad\u0131n onu t\u0259r\u0259zinin \u00fcst\u00fcn\u0259 qoyur, diqq\u0259tl\u0259 bax\u0131r.<\/strong><\/p>\n

– M\u0259s\u0259l\u0259n, bunu qoysam, n\u0259 q\u0259d\u0259r pul d\u00fc\u015f\u0259r?<\/p>\n

Qad\u0131n kalkulyatora baxmadan cavab verir:<\/strong><\/p>\n

– 100 manata g\u00f6r\u0259 5 manat faiz hesablan\u0131r. T\u0259xmin\u0259n 240 manat d\u00fc\u015f\u0259r, ayl\u0131q da 12 manat faiz.<\/p>\n

S\u0131r\u011faya bax\u0131b etiraz edirik:<\/strong><\/p>\n

– M\u0259n bunu T\u00fcrkiy\u0259d\u0259n 350 manata alm\u0131\u015fam. Deyirl\u0259r lombardda qiym\u0259ti \u00e7ox a\u015fa\u011f\u0131 sal\u0131rlar…<\/p>\n

Qad\u0131n g\u00fcl\u00fcms\u0259yir:<\/strong><\/p>\n

-El\u0259 deyil. \u201cLom\u201d qiym\u0259ti var, bir d\u0259 sat\u0131\u015f qiym\u0259ti. M\u0259s\u0259l\u0259n, bu g\u00fcn lom 140 manatd\u0131rsa, arada 5-6 manat f\u0259rq \u00e7\u0131x\u0131l\u0131r. Ona uy\u011fun hesablan\u0131r.
\nSonra qaydalar\u0131 izah etm\u0259y\u0259 ba\u015flay\u0131r:<\/p>\n

– \u0130st\u0259s\u0259niz t\u0259kc\u0259 faizi \u00f6d\u0259y\u0259rsiniz, ist\u0259s\u0259niz \u0259sas m\u0259bl\u0259\u011fi d\u0259 hiss\u0259-hiss\u0259 ba\u011flayars\u0131n\u0131z. M\u0259bl\u0259\u011f azald\u0131qca faiz d\u0259 d\u00fc\u015f\u00fcr.<\/p>\n

– Y\u0259ni bank krediti kimi?<\/p>\n

– Dem\u0259k olar, b\u0259li. H\u0259r ay \u00f6d\u0259ni\u015f olunur. \u015e\u0259xsiyy\u0259t v\u0259siq\u0259si kifay\u0259tdir. Q\u0131z\u0131l\u0131 burada saxlay\u0131r\u0131q, siz\u0259 d\u0259 q\u0259bz verilir. Siz arxay\u0131n olursunuz ki, girov bizd\u0259dir, biz d\u0259 arxay\u0131n oluruq ki, m\u00fc\u015ft\u0259rimiz var.<\/p>\n

\u018fn maraql\u0131 cavab is\u0259 girovun sat\u0131\u015fa \u00e7\u0131xar\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 olur.<\/strong><\/p>\n

– M\u00fc\u015ft\u0259ri gecikdirs\u0259, n\u0259 vaxt sat\u0131\u015fa \u00e7\u0131xar\u0131rs\u0131n\u0131z?<\/p>\n

Qad\u0131n bu d\u0259f\u0259 bir q\u0259d\u0259r ciddi s\u0259sl\u0259 cavab verir:<\/p>\n

– Ad\u0259t\u0259n 1 ay 10 g\u00fcn g\u00f6zl\u0259yirik. Z\u0259ng edirik, mesaj yaz\u0131r\u0131q. Adam deyir \u201cbir g\u00fcn d\u0259 vaxt verin\u201d, \u201csabah g\u0259l\u0259c\u0259m\u201d. \u00c7al\u0131\u015f\u0131r\u0131q n\u0259z\u0259r\u0259 alaq. Amma m\u00fcqavil\u0259d\u0259 h\u0259r \u015fey yaz\u0131l\u0131r. \u00d6d\u0259ni\u015f olmazsa, x\u0259b\u0259rdarl\u0131q mesaj\u0131 g\u00f6nd\u0259rilir v\u0259 girov sat\u0131\u015fa \u00e7\u0131xar\u0131la bil\u0259r.<\/p>\n

S\u00f6hb\u0259t etdiyimiz anda i\u00e7\u0259ri orta ya\u015fl\u0131 bir ki\u015fi daxil olur. \u018flind\u0259 k\u00f6hn\u0259 model telefon, sif\u0259tind\u0259 yor\u011funluq var. Cibind\u0259n b\u00fck\u00fclm\u00fc\u015f q\u0259bz \u00e7\u0131xar\u0131b masaya qoyur.<\/p>\n

– Bac\u0131, bir h\u0259ft\u0259 d\u0259 vaxt verin. Maa\u015f gecikir…<\/p>\n

Qad\u0131n komp\u00fcter\u0259 bax\u0131r:<\/strong><\/p>\n

– \u0130ki ayd\u0131r uzan\u0131r. Faiz d\u0259 y\u0131\u011f\u0131l\u0131r.<\/p>\n

Ki\u015fi s\u0259sini al\u00e7ald\u0131r:<\/strong><\/p>\n

– U\u015fa\u011f\u0131n x\u0259rcin\u0259 getdi. Ay\u0131n ax\u0131r\u0131 ba\u011flayacam. Satmay\u0131n, xahi\u015f edir\u0259m…<\/p>\n

Bir ne\u00e7\u0259 saniy\u0259lik otaqda s\u00fckut yaran\u0131r. Qad\u0131n d\u0259rin n\u0259f\u0259s al\u0131b cavab verir:<\/strong><\/p>\n

-Yax\u015f\u0131, bir h\u0259ft\u0259 d\u0259 g\u00f6zl\u0259y\u0259rik. Amma gecikdirm\u0259yin.<\/p>\n

Bu ki\u00e7ik dialoq lombardlar\u0131n \u0259sl m\u0259nz\u0259r\u0259sini a\u00e7\u0131q g\u00f6st\u0259rir. Bura sad\u0259c\u0259 q\u0131z\u0131l qoyulan yer deyil. B\u0259z\u0259n insanlar\u0131n son \u00e7\u0131x\u0131\u015f yolu, s\u0131x\u0131nt\u0131 an\u0131nda \u201cn\u0259f\u0259s d\u0259rm\u0259k\u201d \u00fc\u00e7\u00fcn \u00fcz tutdu\u011fu \u00fcnvand\u0131r.<\/p>\n

Dig\u0259r lombardlara ba\u015f \u00e7\u0259k\u0259nd\u0259 d\u0259 ox\u015far m\u0259nz\u0259r\u0259 il\u0259 qar\u015f\u0131la\u015f\u0131r\u0131q. Diqq\u0259t \u00e7\u0259k\u0259n \u0259sas m\u0259qamlardan biri is\u0259 lombardlar\u0131n \u0259ks\u0259riyy\u0259tinin metro \u00e7\u0131x\u0131\u015flar\u0131nda yerl\u0259\u015fm\u0259si idi. Bu da t\u0259sad\u00fcfi g\u00f6r\u00fcnm\u00fcr. \u0130nsan ax\u0131n\u0131n\u0131n \u00e7ox oldu\u011fu yerl\u0259rd\u0259 lombardlar\u0131n s\u0131ralanmas\u0131 bu xidm\u0259t\u0259 t\u0259l\u0259bin kifay\u0259t q\u0259d\u0259r y\u00fcks\u0259k oldu\u011funu g\u00f6st\u0259rir.<\/p>\n

Ba\u015f \u00e7\u0259kdiyimiz ba\u015fqa bir lombardda is\u0259 \u015f\u0259rtl\u0259r f\u0259rqli idi. Burada s\u0131r\u011fan\u0131 g\u00f6st\u0259r\u0259n kimi ilk sual bel\u0259 oldu:<\/strong><\/p>\n

– N\u0259 q\u0259d\u0259r pul laz\u0131md\u0131r siz\u0259?<\/p>\n

Qiym\u0259ti soru\u015furuq.<\/strong><\/p>\n

– Bizd\u0259 100 manata 10 manat faizdir. Q\u0131z\u0131l\u0131 10 faizl\u0259 g\u00f6t\u00fcr\u00fcr\u00fck, elektronikan\u0131 is\u0259 20 faizl\u0259. Paltaryuyan, soyuducu da q\u0259bul edirik.<\/p>\n

Buradak\u0131 \u0259m\u0259kda\u015f da etiraf edir ki, son ill\u0259r m\u00fcraci\u0259t ed\u0259nl\u0259rin say\u0131 art\u0131b:<\/strong><\/p>\n

– Borcu \u00e7oxalanlar g\u0259lir. Adamlar \u00e7\u0131x\u0131\u015f yolu tapa bilmirl\u0259r.<\/p>\n

Ba\u015fqa bir lombardda is\u0259 q\u0131z\u0131l \u00fc\u00e7\u00fcn 100 manata 15 manat faiz hesabland\u0131\u011f\u0131n\u0131 deyirl\u0259r. Y\u0259ni eyni girov \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif \u00fcnvanlarda f\u0259rqli \u015f\u0259rtl\u0259r t\u0259klif olunur. G\u00f6r\u00fcn\u0259n odur ki, lombard bazar\u0131nda vahid qayda v\u0259 standartlar\u0131n olmamas\u0131 h\u0259m qiym\u0259tl\u0259ndirm\u0259d\u0259, h\u0259m d\u0259 faiz siyas\u0259tind\u0259 ciddi f\u0259rql\u0259r yarad\u0131r.<\/p>\n

Afaq Mirayiq,<\/strong>
\nFotolar m\u00fc\u0259llifindir,<\/strong>
\nMusavat.com<\/strong><\/p>\n<\/div>\n

\n
<\/div>\n
<\/div>\n
<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycanda lombardlarla ba\u011fl\u0131 normativ-h\u00fcquqi bazan\u0131n haz\u0131rlanmas\u0131 yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n s\u0259dri Taleh Kaz\u0131mov bildirib ki, lombard f\u0259aliyy\u0259ti il\u0259 ba\u011fl\u0131 normativ-h\u00fcquqi baza haz\u0131rda raz\u0131la\u015fd\u0131r\u0131lma m\u0259rh\u0259l\u0259sind\u0259dir v\u0259 yax\u0131n g\u0259l\u0259c\u0259kd\u0259 bu sah\u0259y\u0259 d\u0259 t\u0259nziml\u0259m\u0259 g\u0259tiril\u0259c\u0259k. Uzun ill\u0259rdir ekspertl\u0259r lombard sektorundak\u0131 \u0259sas probleml\u0259rd\u0259n dan\u0131\u015f\u0131rlar: girovlar\u0131n real bazar qiym\u0259tind\u0259n a\u015fa\u011f\u0131 qiym\u0259tl\u0259ndirilm\u0259si, y\u00fcks\u0259k faizl\u0259r, qeyri-\u015f\u0259ffaf \u015f\u0259rtl\u0259r v\u0259 v\u0259t\u0259nda\u015flar\u0131n \u00e7\u0131x\u0131lmaz v\u0259ziyy\u0259td\u0259 se\u00e7im qar\u015f\u0131s\u0131nda qalmas\u0131… Musavat.com\u00a0\u0259m\u0259kda\u015f\u0131 v\u0259ziyy\u0259ti yerind\u0259 ara\u015fd\u0131rmaq \u00fc\u00e7\u00fcn paytaxtdak\u0131 bir ne\u00e7\u0259 lombarda ba\u015f \u00e7\u0259kib. Qara Qarayev metrosunun \u00e7\u0131x\u0131\u015f\u0131nda iri h\u0259rfl\u0259rl\u0259 yaz\u0131lm\u0131\u015f \u201cLOMBARD\u201d s\u00f6z\u00fc uzaqdan diqq\u0259t \u00e7\u0259kir. \u0130\u00e7\u0259ri daxil olan kimi adam q\u0259rib\u0259 ab-havaya d\u00fc\u015f\u00fcr.…<\/p>\n","protected":false},"author":2,"featured_media":851835,"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\/2026\/05\/2900b66f8733155e5975eced3bef4b1f.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/2900b66f8733155e5975eced3bef4b1f.jpg",870,500,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Az\u0259rbaycanda lombardlarla ba\u011fl\u0131 normativ-h\u00fcquqi bazan\u0131n haz\u0131rlanmas\u0131 yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n s\u0259dri Taleh Kaz\u0131mov bildirib ki, lombard f\u0259aliyy\u0259ti il\u0259 ba\u011fl\u0131 normativ-h\u00fcquqi baza haz\u0131rda raz\u0131la\u015fd\u0131r\u0131lma m\u0259rh\u0259l\u0259sind\u0259dir v\u0259 yax\u0131n g\u0259l\u0259c\u0259kd\u0259 bu sah\u0259y\u0259 d\u0259 t\u0259nziml\u0259m\u0259 g\u0259tiril\u0259c\u0259k. Uzun ill\u0259rdir ekspertl\u0259r lombard sektorundak\u0131 \u0259sas probleml\u0259rd\u0259n dan\u0131\u015f\u0131rlar: girovlar\u0131n real bazar qiym\u0259tind\u0259n a\u015fa\u011f\u0131 qiym\u0259tl\u0259ndirilm\u0259si, y\u00fcks\u0259k faizl\u0259r, qeyri-\u015f\u0259ffaf \u015f\u0259rtl\u0259r v\u0259 v\u0259t\u0259nda\u015flar\u0131n \u00e7\u0131x\u0131lmaz…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/851834"}],"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=851834"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/851834\/revisions"}],"predecessor-version":[{"id":851836,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/851834\/revisions\/851836"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/851835"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=851834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=851834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=851834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}