{"id":853391,"date":"2026-05-26T10:13:56","date_gmt":"2026-05-26T06:13:56","guid":{"rendered":"https:\/\/arantv.az\/?p=853391"},"modified":"2026-05-26T10:13:56","modified_gmt":"2026-05-26T06:13:56","slug":"pensiya-il%c9%99-bagli-vacib-m%c9%99lumat-30-min-manati-tez-almaq-ucun","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=853391","title":{"rendered":"Pensiya il\u0259 ba\u011fl\u0131 vacib m\u0259lumat &#8211; 30 min manat\u0131 tez almaq \u00fc\u00e7\u00fcn\u2026"},"content":{"rendered":"<p><strong>Qanunvericiliy\u0259 \u0259sas\u0259n, ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 almaq \u00fc\u00e7\u00fcn v\u0259t\u0259nda\u015f\u0131n ya minimum pensiya kapital\u0131 olmal\u0131, ya da \u0259n az\u0131 25 il s\u0131\u011forta staj\u0131 toplanmal\u0131d\u0131r. Haz\u0131rda minimum pensiya kapital\u0131 46 min 80 manat t\u0259\u015fkil edir. \u018fg\u0259r bir \u015f\u0259xsin hesab\u0131nda 40 min manat pensiya kapital\u0131 varsa, lakin bu m\u0259bl\u0259\u011f t\u0259l\u0259b olunan h\u0259dd\u0259 \u00e7atm\u0131rsa v\u0259 onun s\u0131\u011forta staj\u0131 da 25 il deyil, m\u0259s\u0259l\u0259n, 23 ildirs\u0259, h\u0259min \u015f\u0259xs ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 h\u00fcququ qazana bilmir. Bu halda ona yaln\u0131z ya\u015fa g\u00f6r\u0259 sosial m\u00fcavin\u0259t t\u0259yin edilir.<\/strong><\/p>\n<p>Bel\u0259 v\u0259ziyy\u0259td\u0259 v\u0259t\u0259nda\u015f\u0131n hesab\u0131nda qalan 30-40 min manat pensiya kapital\u0131n\u0131n aqib\u0259ti nec\u0259 olur? H\u0259min v\u0259sait \u015f\u0259xs\u0259 geri qaytar\u0131l\u0131r, yoxsa sistemd\u0259 qal\u0131r?<\/p>\n<p><strong><a href=\"https:\/\/publika.az\/\" target=\"_blank\" rel=\"noopener\">Publika.az<\/a>\u00a0<\/strong>x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 Globalinfo.az-a iqtisad\u00e7\u0131 G\u00fcnay H\u00fcseynova dan\u0131\u015f\u0131b. O qeyd edib ki, \u0259g\u0259r \u015f\u0259xsin \u0259m\u0259k staj\u0131 yet\u0259rli deyils\u0259, h\u0259m\u00e7inin d\u0259 laz\u0131m olan kapital\u0131 toplamay\u0131b v\u0259 \u0259m\u0259khaqq\u0131 ya\u015f\u0131n\u0131 doldurubsa, sosial m\u00fcavin\u0259t verilir:<\/p>\n<p>\u201c\u018fg\u0259r qeyd olunan m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t \u00e7atm\u0131rsa, h\u0259min m\u00fcdd\u0259ti i\u015fl\u0259yib staj m\u00fcdd\u0259tini doldura bil\u0259r. Bu zaman v\u0259t\u0259nda\u015f\u0131n yenid\u0259n m\u00fcraci\u0259t ed\u0259r\u0259k \u0259m\u0259k pensiyas\u0131 h\u00fcququndan yararlana bilm\u0259si m\u00fcmk\u00fcnd\u00fcr\u201d.<\/p>\n<p>Pensiya kapital\u0131nda toplanan 30-40 min manat\u0131n aqib\u0259tin\u0259 qald\u0131qda, iqtisad\u00e7\u0131 deyib ki, bununla ba\u011fl\u0131 q\u0259rar yoxdur:<\/p>\n<p>\u201c\u018fg\u0259r konkret qanun layih\u0259si olarsa, o zaman h\u0259min toplanan kapital\u0131n 30-40 faiz\u0259 q\u0259d\u0259ri \u00f6d\u0259n\u0259 bil\u0259r. \u015e\u0259xsin v\u0259fat etm\u0259si durumunda is\u0259 \u00f6d\u0259nil\u0259c\u0259k m\u0259bl\u0259\u011f v\u0259r\u0259sl\u0259r aras\u0131nda b\u0259rab\u0259rh\u00fcquqlu formada b\u00f6l\u00fcn\u0259c\u0259k. \u015e\u0259xsin kredit borcu v\u0259 ya dig\u0259r borclar\u0131 varsa, h\u0259min m\u0259bl\u0259\u011fd\u0259n silinib sonra v\u0259r\u0259s\u0259l\u0259r\u0259 \u00f6d\u0259nil\u0259 bil\u0259r . Yuxarda qeyd etdiyim kimi, bununla bva\u011fl\u0131 konkret qanun layih\u0259si m\u00f6vcud deyil. V\u0259t\u0259nda\u015f\u0131n da h\u00fcququ yoxdur ki, d\u00f6vl\u0259td\u0259n t\u0259l\u0259b etsin\u201d.<\/p>\n<p>G\u00fcnay H\u00fcseynova bildirib ki, bundan \u0259lav\u0259 \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yaranmas\u0131 n\u0259z\u0259rd\u0259 tutulur:<\/p>\n<p>\u201cBir n\u00f6v T\u00fcrkiy\u0259d\u0259ki \u201cbireysel emeklilik\u201d sistemi kimi. Y\u0259ni ist\u0259nil\u0259n v\u0259t\u0259nda\u015f, h\u0259m\u00e7inin i\u015fl\u0259m\u0259y\u0259n evdar qad\u0131nlar bel\u0259 bu fonda pul yat\u0131r\u0131b pensiya h\u00fcququ yarand\u0131\u011f\u0131 zaman t\u0259qa\u00fcd ala bilirl\u0259r. \u015e\u0259xs v\u0259fat etdikd\u0259 is\u0259 miras\u00e7\u0131lar m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011fi h\u0259min fonddan ala bilirl\u0259r. D\u00fcs\u00fcn\u00fcr\u0259m ki, \u00f6z\u0259l pensiya fondlar\u0131n\u0131n f\u0259aliyy\u0259ti daha m\u0259qs\u0259d\u0259uy\u011fun olard\u0131. H\u0259m\u00e7inin, d\u00f6vl\u0259t n\u0259zar\u0259tind\u0259 qurumun f\u0259aliyy\u0259ti g\u00fcv\u0259nli v\u0259 \u015f\u0259ffaf olmas\u0131 bax\u0131m\u0131ndan da avantajl\u0131d\u0131r. T\u0259bii ki, bu zaman da \u0259m\u0259k m\u00fcf\u0259tti\u015fliyinin i\u015f rejimini g\u00fccl\u0259ndirm\u0259si v\u0259 ciddi n\u0259zar\u0259t t\u0259dbirl\u0259ri \u00f6n\u0259mli faktordur. Bununla yana\u015f\u0131 d\u00f6vl\u0259t t\u0259\u015fkilatlar\u0131, d\u00f6vl\u0259t qurumlar\u0131 t\u0259tbiql\u0259rin\u0259 inteqrasiya da \u00f6n\u0259mli faktordur\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qanunvericiliy\u0259 \u0259sas\u0259n, ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 almaq \u00fc\u00e7\u00fcn v\u0259t\u0259nda\u015f\u0131n ya minimum pensiya kapital\u0131 olmal\u0131, ya da \u0259n az\u0131 25 il s\u0131\u011forta staj\u0131 toplanmal\u0131d\u0131r. Haz\u0131rda minimum pensiya kapital\u0131 46 min 80 manat t\u0259\u015fkil edir. \u018fg\u0259r bir \u015f\u0259xsin hesab\u0131nda 40 min manat pensiya kapital\u0131 varsa, lakin bu m\u0259bl\u0259\u011f t\u0259l\u0259b olunan h\u0259dd\u0259 \u00e7atm\u0131rsa v\u0259 onun s\u0131\u011forta staj\u0131 da 25 il deyil, m\u0259s\u0259l\u0259n, 23 ildirs\u0259, h\u0259min \u015f\u0259xs ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 h\u00fcququ qazana bilmir. Bu halda ona yaln\u0131z ya\u015fa g\u00f6r\u0259 sosial m\u00fcavin\u0259t t\u0259yin edilir. Bel\u0259 v\u0259ziyy\u0259td\u0259 v\u0259t\u0259nda\u015f\u0131n hesab\u0131nda qalan 30-40 min manat pensiya kapital\u0131n\u0131n&hellip;<\/p>\n","protected":false},"author":2,"featured_media":853392,"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\/pensiya.jpg",1200,800,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya.jpg",1200,800,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya.jpg",1200,800,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya-840x560.jpg",640,427,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya.jpg",1200,800,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya.jpg",1200,800,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/05\/pensiya-1200x620.jpg",1200,620,true]},"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=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Qanunvericiliy\u0259 \u0259sas\u0259n, ya\u015fa g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 almaq \u00fc\u00e7\u00fcn v\u0259t\u0259nda\u015f\u0131n ya minimum pensiya kapital\u0131 olmal\u0131, ya da \u0259n az\u0131 25 il s\u0131\u011forta staj\u0131 toplanmal\u0131d\u0131r. Haz\u0131rda minimum pensiya kapital\u0131 46 min 80 manat t\u0259\u015fkil edir. \u018fg\u0259r bir \u015f\u0259xsin hesab\u0131nda 40 min manat pensiya kapital\u0131 varsa, lakin bu m\u0259bl\u0259\u011f t\u0259l\u0259b olunan h\u0259dd\u0259 \u00e7atm\u0131rsa v\u0259 onun s\u0131\u011forta staj\u0131 da&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/853391"}],"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=853391"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/853391\/revisions"}],"predecessor-version":[{"id":853393,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/853391\/revisions\/853393"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/853392"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=853391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=853391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=853391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}