{"id":857536,"date":"2026-06-29T16:32:47","date_gmt":"2026-06-29T12:32:47","guid":{"rendered":"https:\/\/arantv.az\/?p=857536"},"modified":"2026-06-29T16:32:47","modified_gmt":"2026-06-29T12:32:47","slug":"pensiyani-bird%c9%99f%c9%99lik-almaq-mumkun-olacaq-vacib-detallar-aciqlandi","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=857536","title":{"rendered":"Pensiyan\u0131 bird\u0259f\u0259lik almaq m\u00fcmk\u00fcn olacaq? &#8211; Vacib detallar a\u00e7\u0131qland\u0131"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<p><strong>D\u00fcnyan\u0131n bir s\u0131ra \u00f6lk\u0259l\u0259rind\u0259 v\u0259t\u0259nda\u015flar\u0131n y\u0131\u011f\u0131lm\u0131\u015f pensiya kapital\u0131n\u0131 m\u00fc\u0259yy\u0259n \u015f\u0259rtl\u0259r daxilind\u0259 vaxt\u0131ndan \u0259vv\u0259l v\u0259 ya t\u0259qa\u00fcd\u0259 \u00e7\u0131xan kimi bird\u0259f\u0259lik \u0259ld\u0259 etm\u0259si t\u0259cr\u00fcb\u0259si geni\u015f yay\u0131l\u0131b. X\u00fcsusil\u0259 sosial t\u0259minat sisteml\u0259ri inki\u015faf etmi\u015f d\u00f6vl\u0259tl\u0259rd\u0259 f\u0259rqli t\u0259b\u0259q\u0259l\u0259rd\u0259n olan insanlar\u0131n bu v\u0259saitl\u0259rd\u0259n vaxt\u0131ndan \u0259vv\u0259l m\u00fcxt\u0259lif m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn yararlanmas\u0131na h\u00fcquqi z\u0259min yarad\u0131l\u0131r.<\/strong><\/p>\n<p><em>B\u0259s analoji t\u0259cr\u00fcb\u0259nin \u00f6lk\u0259mizd\u0259 d\u0259 t\u0259tbiq edilm\u0259si n\u0259 d\u0259r\u0259c\u0259d\u0259 reald\u0131r? Az\u0259rbaycanda m\u00f6vcud olan pensiya modeli v\u0259 qanunvericilik bazas\u0131 v\u0259t\u0259nda\u015flara \u00f6z y\u0131\u011f\u0131mlar\u0131n\u0131 vaxt\u0131ndan \u0259vv\u0259l, yaxud pensiya ya\u015f\u0131 \u00e7atan kimi bird\u0259f\u0259lik g\u00f6t\u00fcrm\u0259y\u0259 imkan verirmi?<\/em><\/p>\n<p>M\u00f6vzu il\u0259 ba\u011fl\u0131\u00a0<strong>Bak\u0131vaxt\u0131.az<\/strong>-a a\u00e7\u0131qlama ver\u0259n iqtisad\u00e7\u0131 ekspert Xalid K\u0259rimli bildirib ki, n\u0259z\u0259ri olaraq bel\u0259 bir sistemin t\u0259tbiqi m\u00fcmk\u00fcnd\u00fcr. Amma onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, haz\u0131rda \u00f6lk\u0259 qanunvericiliyind\u0259 bu, n\u0259z\u0259rd\u0259 tutulmay\u0131b. M\u00fcsahibimiz bildirib ki, Az\u0259rbaycan f\u0259rqli bir pensiya sistemini \u0259sas g\u00f6t\u00fcr\u00fcb &#8211; h\u0259mr\u0259ylik prinsipi:<\/p>\n<p>\u201cY\u0259ni indiki i\u015fl\u0259y\u0259nl\u0259r haz\u0131rda pensiyada olan \u015f\u0259xsl\u0259rin pensiyas\u0131n\u0131 \u00f6d\u0259yirl\u0259r. \u00c7at\u0131\u015fmayan v\u0259sait is\u0259 d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n qar\u015f\u0131lan\u0131r. \u00d6lk\u0259d\u0259ki m\u00f6vcud v\u0259ziyy\u0259t bel\u0259dir ki, haz\u0131rda i\u015fl\u0259y\u0259nl\u0259rin pensiya fonduna etdiyi r\u00fcsumlardan tutulan m\u0259bl\u0259\u011fl\u0259r indiki pensiya\u00e7\u0131lar\u0131n pensiyas\u0131n\u0131 tam t\u0259min etm\u0259y\u0259 \u00e7atm\u0131r. Qalan hiss\u0259ni d\u00f6vl\u0259t \u00f6z\u00fc \u00f6d\u0259m\u0259lidir. Ona g\u00f6r\u0259 d\u0259 h\u0259l\u0259 bizd\u0259 el\u0259 bir dayan\u0131ql\u0131 pensiya sistemi v\u0259 pensiya art\u0131ql\u0131\u011f\u0131 (profisiti) yoxdur ki, kims\u0259 pensiyaya \u00e7\u0131xmam\u0131\u015fdan qabaq \u00f6z pensiyas\u0131n\u0131 geri g\u00f6t\u00fcr\u0259 bilsin&#8221;.<img decoding=\"async\" src=\"https:\/\/bakivaxti.az\/backend\/ckfinder\/userfiles\/images\/16\/Xalid-1652963599.jpg\" alt=\"\" \/><\/p>\n<p><em><strong>Xalid K\u0259rimli: \u0130ndiki icbari pensiya sistemind\u0259 bu add\u0131m n\u0259z\u0259rd\u0259 tutulmay\u0131b v\u0259 tutulmayacaq da<\/strong><\/em><\/p>\n<p>Ekspertin dediyin\u0259 g\u00f6r\u0259, g\u0259l\u0259c\u0259kd\u0259 alternativ modell\u0259rin yarad\u0131lmas\u0131 planla\u015fd\u0131r\u0131l\u0131r:<\/p>\n<p>&#8220;Haz\u0131rda &#8220;\u00d6z\u0259l pensiya fondlar\u0131 haqq\u0131nda&#8221; qanunun \u00e7\u0131xar\u0131lmas\u0131 bar\u0259d\u0259 fikirl\u0259\u015firl\u0259r. Kim ist\u0259yirs\u0259, \u0259lav\u0259 \u00f6d\u0259ni\u015f el\u0259m\u0259kl\u0259 g\u0259l\u0259c\u0259kd\u0259 bu fondlardan yararlana bil\u0259c\u0259k. H\u0259l\u0259 ki qanun q\u00fcvv\u0259y\u0259 minm\u0259yib. Yaln\u0131z o zaman \u00f6z\u0259l pensiya fondlar\u0131nda, pensiyaya \u00e7\u0131xmam\u0131\u015fdan qabaq v\u0259saitin idar\u0259 olunmas\u0131 il\u0259 ba\u011fl\u0131 m\u00fc\u0259yy\u0259n \u015f\u0259rtl\u0259r qoyula bil\u0259r\u201d.<\/p>\n<p>\u201c\u015e\u0259xs d\u00fcnyas\u0131n\u0131 d\u0259yi\u015f\u0259nd\u0259 v\u0259saitin varisliy\u0259 ke\u00e7m\u0259si v\u0259 ya pensiyaya \u00e7\u0131xanda indiki sistemd\u0259n f\u0259rqli olaraq daha \u00e7evik \u015f\u0259kild\u0259 istifad\u0259 edilm\u0259si mexanizml\u0259ri realla\u015fa bil\u0259r. Lakin indiki icbari pensiya sistemind\u0259 bu add\u0131m n\u0259z\u0259rd\u0259 tutulmay\u0131b v\u0259 tutulmayacaq da&#8221;, &#8211; dey\u0259 Xaliq K\u0259rimli \u0259lav\u0259 edib.<\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>D\u00fcnyan\u0131n bir s\u0131ra \u00f6lk\u0259l\u0259rind\u0259 v\u0259t\u0259nda\u015flar\u0131n y\u0131\u011f\u0131lm\u0131\u015f pensiya kapital\u0131n\u0131 m\u00fc\u0259yy\u0259n \u015f\u0259rtl\u0259r daxilind\u0259 vaxt\u0131ndan \u0259vv\u0259l v\u0259 ya t\u0259qa\u00fcd\u0259 \u00e7\u0131xan kimi bird\u0259f\u0259lik \u0259ld\u0259 etm\u0259si t\u0259cr\u00fcb\u0259si geni\u015f yay\u0131l\u0131b. X\u00fcsusil\u0259 sosial t\u0259minat sisteml\u0259ri inki\u015faf etmi\u015f d\u00f6vl\u0259tl\u0259rd\u0259 f\u0259rqli t\u0259b\u0259q\u0259l\u0259rd\u0259n olan insanlar\u0131n bu v\u0259saitl\u0259rd\u0259n vaxt\u0131ndan \u0259vv\u0259l m\u00fcxt\u0259lif m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn yararlanmas\u0131na h\u00fcquqi z\u0259min yarad\u0131l\u0131r. B\u0259s analoji t\u0259cr\u00fcb\u0259nin \u00f6lk\u0259mizd\u0259 d\u0259 t\u0259tbiq edilm\u0259si n\u0259 d\u0259r\u0259c\u0259d\u0259 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":857537,"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-857536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cmiyyt"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"D\u00fcnyan\u0131n bir s\u0131ra \u00f6lk\u0259l\u0259rind\u0259 v\u0259t\u0259nda\u015flar\u0131n y\u0131\u011f\u0131lm\u0131\u015f pensiya kapital\u0131n\u0131 m\u00fc\u0259yy\u0259n \u015f\u0259rtl\u0259r daxilind\u0259 vaxt\u0131ndan \u0259vv\u0259l v\u0259 ya t\u0259qa\u00fcd\u0259 \u00e7\u0131xan kimi bird\u0259f\u0259lik \u0259ld\u0259 etm\u0259si t\u0259cr\u00fcb\u0259si geni\u015f yay\u0131l\u0131b. X\u00fcsusil\u0259 sosial t\u0259minat sisteml\u0259ri inki\u015faf etmi\u015f d\u00f6vl\u0259tl\u0259rd\u0259 f\u0259rqli t\u0259b\u0259q\u0259l\u0259rd\u0259n olan insanlar\u0131n bu v\u0259saitl\u0259rd\u0259n vaxt\u0131ndan \u0259vv\u0259l m\u00fcxt\u0259lif m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn yararlanmas\u0131na h\u00fcquqi z\u0259min yarad\u0131l\u0131r. 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X\u00fcsusil\u0259 sosial t\u0259minat sisteml\u0259ri inki\u015faf etmi\u015f d\u00f6vl\u0259tl\u0259rd\u0259 f\u0259rqli t\u0259b\u0259q\u0259l\u0259rd\u0259n olan insanlar\u0131n bu v\u0259saitl\u0259rd\u0259n vaxt\u0131ndan \u0259vv\u0259l m\u00fcxt\u0259lif m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn yararlanmas\u0131na h\u00fcquqi z\u0259min yarad\u0131l\u0131r. 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