{"id":856876,"date":"2026-06-24T23:44:12","date_gmt":"2026-06-24T19:44:12","guid":{"rendered":"https:\/\/arantv.az\/?p=856876"},"modified":"2026-06-24T23:44:12","modified_gmt":"2026-06-24T19:44:12","slug":"lizinql%c9%99-masin-almagin-hansi-riskl%c9%99ri-var","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=856876","title":{"rendered":"Lizinql\u0259 ma\u015f\u0131n alma\u011f\u0131n hans\u0131 riskl\u0259ri var?"},"content":{"rendered":"<p><strong>Lizinql\u0259 avtomobil \u0259ld\u0259 etm\u0259k son ill\u0259rd\u0259 ilkin \u00f6d\u0259ni\u015f imkanlar\u0131 m\u0259hdud olan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn daha \u0259l\u00e7atan maliyy\u0259 vasit\u0259l\u0259rind\u0259n biri kimi geni\u015f yay\u0131l\u0131b. \u0130lk bax\u0131\u015fda bu model avtomobil sahibi olma\u011f\u0131 asanla\u015fd\u0131rsa da, sonradan b\u0259zi maliyy\u0259 v\u0259 h\u00fcquqi riskl\u0259r ortaya \u00e7\u0131xa bilir. B\u0259s, lizinql\u0259 avtomobil alma\u011f\u0131n real riskl\u0259ri n\u0259l\u0259rdir v\u0259 v\u0259t\u0259nda\u015flar m\u00fcqavil\u0259 ba\u011flayark\u0259n hans\u0131 m\u0259qamlara x\u00fcsusi diqq\u0259t yetirm\u0259lidirl\u0259r?<\/strong><\/p>\n<p>M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Demokrat.az-a a\u00e7\u0131qlama ver\u0259n n\u0259qliyyat eksperti Razil Na\u011f\u0131yev bildirib ki, lizinql\u0259 avtomobil almaq bir \u00e7ox insan \u00fc\u00e7\u00fcn rahat maliyy\u0259l\u0259\u015fdirm\u0259 \u00fcsulu hesab edils\u0259 d\u0259, q\u0259rar verm\u0259zd\u0259n \u0259vv\u0259l onun real riskl\u0259rini d\u0259 n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r.<\/p>\n<p>&#8220;\u0130lk n\u00f6vb\u0259d\u0259, lizinq m\u00fcdd\u0259ti \u0259rzind\u0259 avtomobilin h\u00fcquqi sahibi siz deyil, lizinq \u015firk\u0259ti olur. Siz avtomobild\u0259n istifad\u0259 ets\u0259niz d\u0259, m\u00fclkiyy\u0259t h\u00fcququ b\u00fct\u00fcn \u00f6d\u0259ni\u015fl\u0259r ba\u015fa \u00e7atana q\u0259d\u0259r \u015firk\u0259td\u0259 qal\u0131r. Bu s\u0259b\u0259bd\u0259n ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rin gecikdirilm\u0259si c\u0259rim\u0259l\u0259r\u0259, h\u0259tta m\u00fc\u0259yy\u0259n hallarda avtomobilin geri al\u0131nmas\u0131na s\u0259b\u0259b ola bil\u0259r&#8221;.<\/p>\n<p>Ekspert bildirib ki, dig\u0259r vacib m\u0259qam \u00fcmumi maliyy\u0259 y\u00fck\u00fcd\u00fcr.<\/p>\n<p>&#8220;Ayl\u0131q \u00f6d\u0259ni\u015fl\u0259r ilk bax\u0131\u015fda m\u00fcnasib g\u00f6r\u00fcns\u0259 d\u0259, faizl\u0259r, komissiyalar, s\u0131\u011forta v\u0259 dig\u0259r \u0259lav\u0259 x\u0259rcl\u0259r n\u0259z\u0259r\u0259 al\u0131nd\u0131qda avtomobilin yekun d\u0259y\u0259ri na\u011fd al\u0131\u015fdan daha y\u00fcks\u0259k ola bil\u0259r. H\u00fcquqi sahibin lizinq \u015firk\u0259ti olmas\u0131 s\u0131\u011forta m\u0259s\u0259l\u0259l\u0259rin\u0259 d\u0259 t\u0259sir edir. Bir \u00e7ox hallarda lizinq \u015firk\u0259tl\u0259ri riskl\u0259rini minimuma endirm\u0259k \u00fc\u00e7\u00fcn daha geni\u015f t\u0259minatl\u0131 KASKO s\u0131\u011fortas\u0131 v\u0259 \u0259lav\u0259 s\u0131\u011forta t\u0259l\u0259bl\u0259ri ir\u0259li s\u00fcr\u00fcrl\u0259r. N\u0259tic\u0259d\u0259 s\u0131\u011forta haqlar\u0131 adi avtomobil kreditl\u0259ri v\u0259 ya na\u011fd al\u0131nm\u0131\u015f avtomobill\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 daha y\u00fcks\u0259k ola bilir&#8221;.<\/p>\n<p>Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, b\u0259zi \u015firk\u0259tl\u0259r s\u0131\u011forta \u015firk\u0259tinin se\u00e7imi il\u0259 ba\u011fl\u0131 da m\u0259hdudiyy\u0259tl\u0259r qoyurlar ki, bu da m\u00fc\u015ft\u0259rinin daha s\u0259rf\u0259li variant se\u00e7m\u0259k imkan\u0131n\u0131 azald\u0131r.<\/p>\n<p>&#8220;M\u00fcqavil\u0259 \u015f\u0259rtl\u0259ri d\u0259 diqq\u0259tl\u0259 ara\u015fd\u0131r\u0131lmal\u0131d\u0131r. Bundan ba\u015fqa, g\u0259lirin azalmas\u0131 v\u0259 ya i\u015f yerinin itirilm\u0259si kimi g\u00f6zl\u0259nilm\u0259z hallar ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rin yerin\u0259 yetirilm\u0259sini \u00e7\u0259tinl\u0259\u015fdir\u0259 bil\u0259r. Bel\u0259 v\u0259ziyy\u0259tl\u0259rd\u0259 h\u0259m art\u0131q \u00f6d\u0259nilmi\u015f v\u0259saitin bir hiss\u0259sinin itirilm\u0259si, h\u0259m d\u0259 avtomobilin \u0259ld\u0259n \u00e7\u0131xmas\u0131 riski yaran\u0131r&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lizinql\u0259 avtomobil \u0259ld\u0259 etm\u0259k son ill\u0259rd\u0259 ilkin \u00f6d\u0259ni\u015f imkanlar\u0131 m\u0259hdud olan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn daha \u0259l\u00e7atan maliyy\u0259 vasit\u0259l\u0259rind\u0259n biri kimi geni\u015f yay\u0131l\u0131b. \u0130lk bax\u0131\u015fda bu model avtomobil sahibi olma\u011f\u0131 asanla\u015fd\u0131rsa da, sonradan b\u0259zi maliyy\u0259 v\u0259 h\u00fcquqi riskl\u0259r ortaya \u00e7\u0131xa bilir. B\u0259s, lizinql\u0259 avtomobil alma\u011f\u0131n real riskl\u0259ri n\u0259l\u0259rdir v\u0259 v\u0259t\u0259nda\u015flar m\u00fcqavil\u0259 ba\u011flayark\u0259n hans\u0131 m\u0259qamlara x\u00fcsusi diqq\u0259t yetirm\u0259lidirl\u0259r?&#8230;<\/p>\n","protected":false},"author":2,"featured_media":856877,"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,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-856876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cmiyyt"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Lizinql\u0259 avtomobil \u0259ld\u0259 etm\u0259k son ill\u0259rd\u0259 ilkin \u00f6d\u0259ni\u015f imkanlar\u0131 m\u0259hdud olan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn daha \u0259l\u00e7atan maliyy\u0259 vasit\u0259l\u0259rind\u0259n biri kimi geni\u015f yay\u0131l\u0131b. \u0130lk bax\u0131\u015fda bu model avtomobil sahibi olma\u011f\u0131 asanla\u015fd\u0131rsa da, sonradan b\u0259zi maliyy\u0259 v\u0259 h\u00fcquqi riskl\u0259r ortaya \u00e7\u0131xa bilir. 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