\u0130nsanlar\u0131n d\u0259rdl\u0259rini onlar\u0131n \u00f6z dilind\u0259n, \u00f6zl\u0259rinin ifad\u0259 etdiyi \u015f\u0259klind\u0259 dinl\u0259y\u0259nd\u0259 m\u0259nz\u0259r\u0259 daha anla\u015f\u0131lan olur. Redaktor.az x\u0259b\u0259r verir ki, h\u0259r hans\u0131 tan\u0131mad\u0131\u011f\u0131n qap\u0131n\u0131 d\u00f6y\u00fcb oradak\u0131 insanlar\u0131n probleml\u0259rini x\u0259b\u0259r alsan, m\u00fctl\u0259q az\u0131 bir n\u0259f\u0259r ah-f\u0259ryad edib vaxtil\u0259 g\u00f6t\u00fcrd\u00fcy\u00fc krediti \u00f6d\u0259y\u0259 bilm\u0259y\u0259c\u0259yini dey\u0259c\u0259k. Onu b\u0259layla, taunla, v\u0259bayla m\u00fcqayis\u0259 ed\u0259c\u0259k.<\/p>\n
Kimi dindirs\u0259n ki, b\u0259s qaytara bilm\u0259y\u0259c\u0259yini bil\u0259-bil\u0259 niy\u0259 bu y\u00fck\u00fcn alt\u0131na girmis\u0259n, o q\u0259d\u0259r problem sadalayacaq ki, bu cans\u0131x\u0131c\u0131 say\u0131mda m\u0259cbur\u0259n onunla hesabla\u015fmal\u0131, probleml\u0259rinin n\u0259h\u0259ngliyin\u0259 inanmal\u0131 olacaqsan. Az qala, kredit adl\u0131 faci\u0259nin tarixini insanl\u0131\u011f\u0131n tarixiyl\u0259 eynil\u0259\u015fdir\u0259c\u0259ks\u0259n.<\/p>\n
Burada \u00e7\u0131x\u0131\u015f yolu axtarmaq bilavasit\u0259 \u00e7\u0259tindir. Nec\u0259 olsa, h\u0259r ay\u0131n \u0259vv\u0259li, ya sonu borcunu \u00f6d\u0259m\u0259lis\u0259n. Yaxud \u00f6d\u0259y\u0259 bilmirs\u0259n. Ba\u015fqa n\u0259 \u00e7\u0131x\u0131\u015f yolu ola bil\u0259r ki?<\/p>\n
Bir ne\u00e7\u0259 banka borcu olan biri kimi bu qay\u011f\u0131 m\u0259n\u0259 d\u0259 do\u011fmad\u0131r. Harda bank g\u00f6r\u00fcr\u0259m, borcum oldu-olmad\u0131, can\u0131ma \u00fc\u015f\u00fctm\u0259 ke\u00e7ir. \u00d6z\u00fcm\u00fc ovutmaq \u00fc\u00e7\u00fcn bir ne\u00e7\u0259 q\u0131vraq m\u0259sh\u0259l\u0259t paketi haz\u0131rlam\u0131\u015fam. Bilir\u0259m ki, kreditl\u0259rl\u0259 ba\u011fl\u0131 h\u0259r \u015feyl\u0259 maraqlan\u0131rs\u0131n\u0131z v\u0259 bu m\u0259sl\u0259h\u0259tl\u0259rim d\u0259 siz\u0259 maraql\u0131 olacaq:<\/p>\n
– Borcunuzu qaytara bilm\u0259diyinizi kims\u0259y\u0259 dem\u0259yin. X\u00fcsus\u0259n hans\u0131sa uzaq qohuma, qon\u015fuya, tan\u0131\u015fa-bili\u015f\u0259. D\u0259rhal sizi haql\u0131 say\u0131b d\u0259rdiniz\u0259 \u015f\u0259rik olacaqlar. Amma i\u015f bununla bitmir. Ba\u015flayacaqlar \u00f6z d\u0259rdl\u0259rini, qaytara bilm\u0259dikl\u0259ri borclar\u0131 sadalama\u011fa. Ham\u0131s\u0131n\u0131n da m\u0259n\u0259vi \u00e7\u0259kisi y\u00fckl\u0259n\u0259c\u0259k sizin \u00fcst\u00fcn\u00fcz\u0259. Ayda banka \u00f6d\u0259m\u0259li oldu\u011funuz 50-60 manat g\u00f6z\u00fcn\u00fczd\u0259 10 d\u0259f\u0259 b\u00f6y\u00fcy\u0259c\u0259k.<\/p>\n
– \u018fg\u0259r g\u00f6t\u00fcrd\u00fcy\u00fcn\u00fcz kreditd\u0259n \u0259linizd\u0259 he\u00e7 n\u0259 qalmay\u0131bsa, v\u0259ziyy\u0259t daha g\u0259rgindir. Buna g\u00f6r\u0259 d\u0259 krediti g\u00f6t\u00fcr\u0259n kimi \u00fcst\u00fcnd\u0259n m\u00fc\u0259yy\u0259n bir hiss\u0259ni ay\u0131r\u0131b d\u00f6vr etdirm\u0259k g\u0259r\u0259kdir. \u018fn az\u0131 bu proses kredit borcunuzla tamam \u00fcz\u00fcl\u00fc\u015f\u0259n\u0259 q\u0259d\u0259r davam etm\u0259lidir. M\u0259s\u0259l\u0259n, qazan\u0131lmas\u0131 m\u00fctl\u0259q n\u0259tic\u0259 kimi g\u00f6r\u00fcn\u0259n n\u0259y\u0259s\u0259 yat\u0131r\u0131m etm\u0259k olar.<\/p>\n
<\/p>\n
– \u0130qtisadi prosesl\u0259ri yax\u0131ndan izl\u0259yin. \u00d6lk\u0259nin \u00f6lk\u0259y\u0259 borcu oldu\u011funu n\u0259z\u0259r\u0259 alsaq, insan\u0131n banka borcunu olduqca t\u0259bii saymaq olar. Lakin h\u0259r hans\u0131 iqtisadi m\u00fchit v\u0259 ya m\u00fct\u0259x\u0259ssis m\u0259sl\u0259h\u0259ti banka olan borcunuza dig\u0259r konteksl\u0259rd\u0259n yana\u015fma\u011fa, b\u0259lk\u0259 d\u0259 h\u0259min borcdan yaxa qurtarma\u011fa k\u00f6m\u0259k ed\u0259 bil\u0259r.<\/p>\n
– Borclu oldu\u011funuz bank\u0131n \u0259m\u0259kda\u015flar\u0131yla dan\u0131\u015fark\u0259n o d\u0259qiq\u0259 \u00f6z\u00fcn\u00fcz\u00fc yoxsul, krediti qaytara bilm\u0259y\u0259c\u0259k q\u0259d\u0259r m\u0259zlum kimi g\u00f6st\u0259rm\u0259yin. Unutmay\u0131n, onlar\u0131n siz\u0259 can\u0131 yanmayacaq. \u018fksin\u0259, daha \u00e7ox \u00fcz\u0259riniz\u0259 ged\u0259c\u0259kl\u0259r. Bel\u0259 halda \u0259n yax\u015f\u0131 \u00fcsul bank\u0131n \u0259m\u0259kda\u015flar\u0131na vaxtla ba\u011fl\u0131 \u00fcmidl\u0259r verm\u0259kdir. \u018fn az\u0131 onlar\u0131 t\u0259mkininizl\u0259 inand\u0131r\u0131b \u0259lav\u0259 g\u00fcnl\u0259r qazana bil\u0259rsiniz.<\/p>\n
– M\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259k d\u0259 olar. Bu, birba\u015fa sizin iqtisadi durumunuzun hans\u0131 halda olmas\u0131ndan as\u0131l\u0131d\u0131r. H\u0259r halda, m\u0259hk\u0259m\u0259 yolu il\u0259 kredit borclar\u0131n\u0131 azaldan, aylar\u0131n say\u0131n\u0131 \u00e7oxaldanlar kifay\u0259t q\u0259d\u0259rdir. M\u00fcr\u0259kk\u0259b m\u0259s\u0259l\u0259 olsa da, c\u0259hd etm\u0259y\u0259 d\u0259y\u0259r.<\/p>\n
B\u0259li, krediti g\u00f6t\u00fcr\u0259nd\u0259 o, nec\u0259 \u015firin t\u0259sir ba\u011f\u0131\u015flay\u0131rsa, qaytarmaq m\u0259qam\u0131 yeti\u015f\u0259nd\u0259 arzuolunmaz v\u0259 dads\u0131z xarakter al\u0131r. Ehtiyaclar\u0131m\u0131z bizi banklara qa\u00e7ma\u011fa m\u0259cbur edir. Sonunu d\u00fc\u015f\u00fcnm\u0259y\u0259 s\u0259brimiz \u00e7atm\u0131r. Lakin ist\u0259nil\u0259n \u015f\u0259raitd\u0259 az\u0131 bir i\u015f\u0131ql\u0131 yol tapmaq m\u00fcmk\u00fcnd\u00fcr. Qoy o yol h\u0259mi\u015f\u0259 bank kassalar\u0131ndan ke\u00e7m\u0259sin. Ba\u015f\u0131m\u0131z\u0131 qa\u015f\u0131ya-qa\u015f\u0131ya ba\u015fqa variant axtaraq.<\/p>\n
“Hakimiyyet.com”<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" \u0130nsanlar\u0131n d\u0259rdl\u0259rini onlar\u0131n \u00f6z dilind\u0259n, \u00f6zl\u0259rinin ifad\u0259 etdiyi \u015f\u0259klind\u0259 dinl\u0259y\u0259nd\u0259 m\u0259nz\u0259r\u0259 daha anla\u015f\u0131lan olur. Redaktor.az x\u0259b\u0259r verir ki, h\u0259r hans\u0131…<\/p>\n","protected":false},"author":2,"featured_media":158891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[23,6,4,5],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/158890"}],"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=158890"}],"version-history":[{"count":1,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/158890\/revisions"}],"predecessor-version":[{"id":158892,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/158890\/revisions\/158892"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/media\/158891"}],"wp:attachment":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=158890"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=158890"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=158890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}