{"id":10828,"date":"2020-01-01T22:01:44","date_gmt":"2020-01-01T18:01:44","guid":{"rendered":"https:\/\/www.hakimiyyet.com\/?p=10828"},"modified":"2020-01-01T22:03:01","modified_gmt":"2020-01-01T18:03:01","slug":"kiray%c9%99-yolu-il%c9%99-satilacaq-m%c9%99nzill%c9%99rl%c9%99-bagli-muhum-x%c9%99b%c9%99r","status":"publish","type":"post","link":"https:\/\/hakimiyyet.info.az\/?p=10828","title":{"rendered":"Kiray\u0259 yolu il\u0259 sat\u0131lacaq m\u0259nzill\u0259rl\u0259 ba\u011fl\u0131 \u0259dal\u0259tsizlik"},"content":{"rendered":"

Yax\u0131n zamanlarda sat\u0131n almaq m\u0259qs\u0259di il\u0259 kiray\u0259 m\u0259nzill\u0259rin t\u0259klif edilm\u0259si g\u00f6zl\u0259nilir.<\/p>\n

Kiray\u0259 m\u0259nzill\u0259r\u0259 t\u0259l\u0259b y\u00fcks\u0259k oldu\u011fundan onlar\u0131n sat\u0131\u015f\u0131 il\u0259 ba\u011fl\u0131 q\u0259rar verildikd\u0259n sonra v\u0259t\u0259nda\u015f m\u00fcraci\u0259tl\u0259rinin say\u0131 h\u0259dd\u0259n art\u0131q \u00e7ox olacaq. \u0130qtisat\u00e7\u0131 ekspert V\u00fcqar Bayramovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, m\u0259nzill\u0259rin sat\u0131lmas\u0131 qaydalar\u0131nda el\u0259 \u015f\u0259rtl\u0259r var ki, bu \u015f\u0259rtl\u0259r b\u0259zi v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn bir s\u0131ra \u00e7\u0259tinlikl\u0259r yarada bil\u0259r. \u0130qtisat\u00e7\u0131 ekspert bununla ba\u011fl\u0131 b\u0259zi t\u0259klifl\u0259r verib.<\/p>\n

Kiray\u0259 m\u0259nzil\u0259r\u0259 m\u00fcraci\u0259t \u015f\u0259rtl\u0259ri indiki \u015f\u0259kild\u0259 saxlan\u0131lsa, x\u00fcsusil\u0259 azt\u0259minatl\u0131 ail\u0259l\u0259r v\u0259 qism\u0259n orta t\u0259b\u0259q\u0259 \u00fc\u00e7\u00fcn bir s\u0131ra \u00e7\u0259tinlikl\u0259r yarada bil\u0259r. M\u0259s\u0259l\u0259n, \u015f\u0259rtl\u0259rd\u0259n birin\u0259 \u0259sas\u0259n m\u00fcraci\u0259t\u00e7il\u0259r kredit tarix\u00e7\u0259sin\u0259 g\u00f6r\u0259 3 yer\u0259 – kifay\u0259t, q\u0259na\u0259tb\u0259x\u015f v\u0259 m\u0259nfi qiym\u0259tl\u0259ndiril\u0259n qruplara ayr\u0131lacaq.<\/p>\n

\u018fg\u0259r \u0259riz\u0259\u00e7inin kredit \u00fczr\u0259 12 ayl\u0131q \u00f6hd\u0259liyi varsa, 24 ay \u0259rzind\u0259 60 g\u00fcnd\u0259n \u00e7ox yubanmas\u0131 yoxdursa, b\u00fct\u00f6vl\u00fckd\u0259 kredit g\u00f6t\u00fcrd\u00fcy\u00fc m\u00fcdd\u0259td\u0259 90 g\u00fcnd\u0259n \u00e7ox gecikm\u0259si m\u00f6vcud deyils\u0259, m\u00fcraci\u0259t m\u00fcsb\u0259t qiym\u0259tl\u0259ndirilir. Q\u0259na\u0259tb\u0259x\u015f o m\u00fcraci\u0259t\u00e7il\u0259rdir ki, onlar\u0131n kredit tarix\u00e7\u0259si yoxdur. Eyni zamanda, m\u00fcsb\u0259t v\u0259 ya m\u0259nfi kredit tarxi\u00e7\u0259sin\u0259 aid deyill\u0259r. O v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n kredit tarix\u00e7\u0259si m\u0259nfidir ki, onlar\u0131n son 12 ayda 90 g\u00fcnd\u0259n \u00e7ox yubanmas\u0131 m\u00f6vcuddur.<\/p>\n

\u0130qtisat\u00e7\u0131 ekspert V\u00fcqar Baramovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, 2015-ci ild\u0259 ba\u015f ver\u0259n devalivasiyadan sonra v\u0259t\u0259nda\u015flar\u0131n \u00e7oxunun kredit \u00f6d\u0259m\u0259sind\u0259 probleml\u0259r yaran\u0131b. X\u00fcsusil\u0259, xarici valyutada g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259rin manat \u00f6hd\u0259likl\u0259rinin artmas\u0131 \u0259sas problem idi.
\nProblemli kreditl\u0259r\u0259 g\u00fcz\u0259\u015ftl\u0259r t\u0259tbiq olunmas\u0131ndan sonra sosial layih\u0259l\u0259rd\u0259 kredit tarxi\u00e7\u0259sinin n\u0259z\u0259r\u0259 al\u0131nmas\u0131 arzuolunan hesab edilmir. G\u0259lc\u0259kd\u0259 bir s\u0131ra \u00e7\u0259tinlikl\u0259rin yaranmamas\u0131 \u00fc\u00e7\u00fcn V\u00fcqar Bayraml\u0131 m\u00fcraci\u0259tl\u0259rin kredit tarxi\u00e7\u0259sin\u0259 g\u00f6r\u0259 qrupla\u015fd\u0131r\u0131lmas\u0131 meyar\u0131na d\u0259yi\u015fiklikl\u0259r edilm\u0259sini t\u0259klif edir.<\/p>\n

Dig\u0259r \u015e\u0259rtl\u0259r\u0259 \u0259sas\u0259n \u00f6d\u0259m\u0259 qabiliyy\u0259ti m\u00fc\u0259yy\u0259nl\u0259\u015fdiril\u0259n zaman v\u0259t\u0259nda\u015flar 2 hiss\u0259y\u0259 – subay v\u0259 ail\u0259li qruplar\u0131na ayr\u0131lacaq v\u0259 kredit tari\u00e7\u0259sin\u0259 uy\u011fun olaraq v\u0259t\u0259nda\u015flar\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259ti m\u00fc\u0259yy\u0259nl\u0259\u015fdiril\u0259c\u0259k.<\/p>\n

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M\u0259s\u0259l\u0259n, \u0259g\u0259r kredit tarix\u00e7\u0259si m\u00fcsb\u0259tdirs\u0259, \u0259riz\u0259\u00e7i subay oldu\u011fu halda onun xalis orta ayl\u0131q g\u0259lirinin 50 %-i, evli olduqda is\u0259 xalis orta g\u0259lirinin 70%-i n\u0259z\u0259r\u0259 al\u0131nacaq. Xalis orta ayl\u0131q g\u0259lir m\u00fc\u0259yy\u0259nl\u0259\u015fdiril\u0259n zaman ail\u0259d\u0259 olan h\u0259r bir ail\u0259 \u00fczv\u00fcn\u00fcn hesablanm\u0131\u015f ya\u015fay\u0131\u015f minimumu m\u00fc\u0259yy\u0259nl\u0259\u015fir v\u0259 g\u0259lird\u0259n \u00e7\u0131x\u0131ld\u0131qdan sonra xalis g\u0259lir m\u00fc\u0259yy\u0259n edilir. Ancaq ayl\u0131q xalis g\u0259lir m\u00fc\u0259yy\u0259nl\u0259\u015fdiril\u0259n zaman x\u0259rcin m\u0259bl\u0259gi kifay\u0259t q\u0259d\u0259r b\u00f6y\u00fck olur.<\/div>\n

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\u00c7\u0259tinlik yaradan m\u0259qamlardan biri d\u0259 odur ki, kredit tarxi\u00e7\u0259si m\u00fcsb\u0259t v\u0259 m\u0259nfi qiym\u0259tl\u0259ndiril\u0259n \u0259riz\u0259\u00e7il\u0259r evli olduqda onlar\u0131n xalis orta g\u0259liri il\u0259 ba\u011fl\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilmi\u015f faiz eynidir. Y\u0259ni, h\u0259r iki qrupda xalis orta ayl\u0131q g\u0259lirinin 70%-i \u0259sas g\u00f6t\u00fcr\u00fcl\u0259c\u0259k. Bel\u0259 \u00e7\u0131x\u0131r ki, ail\u0259li v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn kredit tarxi\u00e7\u0259sinin m\u00fcsb\u0259t v\u0259 ya m\u0259nfi olmas\u0131 he\u00e7 bir \u0259h\u0259miyy\u0259t da\u015f\u0131m\u0131r.<\/p>\n

V\u00fcqar Bayramovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, ba\u015fqa bir \u00e7\u0259tinlik is\u0259 m\u0259hkumlu\u011fu olan v\u0259t\u0259nda\u015flar\u0131n m\u00fcraci\u0259t ed\u0259 bilm\u0259m\u0259si il\u0259 ba\u011fl\u0131d\u0131r. T\u0259klif edilir ki, bu m\u0259hdudiyy\u0259t t\u0259l\u0259bl\u0259ri d\u0259 aradan qald\u0131r\u0131ls\u0131n.<\/p>\n

P.S. \u018flb\u0259tt\u0259, bu halda qanun yen\u0259 bank mafiyas\u0131n\u0131n ist\u0259yin\u0259 xidm\u0259t edir. \u00d6lk\u0259 Ba\u015f\u00e7\u0131s\u0131n\u0131n c\u0259zas\u0131n\u0131 \u00e7\u0259kmi\u015f ke\u00e7mi\u015f m\u0259hkumlara qar\u015f\u0131 bel\u0259 \u0259dal\u0259tsiz add\u0131m\u0131n at\u0131lmas\u0131na icaz\u0259 verilm\u0259sin\u0259 raz\u0131l\u0131q ver\u0259 bilm\u0259z. Bu, h\u0259m beyn\u0259lxalq konvesiyaya ziddir, h\u0259m d\u0259 Az\u0259rbaycan\u0131n m\u00fcvafiq qanunlar\u0131na! Bir \u015feyi ba\u015fa d\u00fc\u015fm\u0259k olmur ki, bu hoqqabazlar n\u0259 \u00fc\u00e7\u00fcn \u00f6lk\u0259 r\u0259hb\u0259rinin \u0259qid\u0259sin\u0259 zidd add\u0131mlar atma\u011fa bu q\u0259d\u0259r meyllidirl\u0259r!<\/em><\/strong><\/p>\n

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Yax\u0131n zamanlarda sat\u0131n almaq m\u0259qs\u0259di il\u0259 kiray\u0259 m\u0259nzill\u0259rin t\u0259klif edilm\u0259si g\u00f6zl\u0259nilir. Kiray\u0259 m\u0259nzill\u0259r\u0259 t\u0259l\u0259b y\u00fcks\u0259k oldu\u011fundan onlar\u0131n sat\u0131\u015f\u0131 il\u0259 ba\u011fl\u0131…<\/p>\n","protected":false},"author":2,"featured_media":0,"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,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[23,6,2,3,7,4,5],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/10828"}],"collection":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10828"}],"version-history":[{"count":3,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/10828\/revisions"}],"predecessor-version":[{"id":10831,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/10828\/revisions\/10831"}],"wp:attachment":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}