{"id":102574,"date":"2020-08-21T15:07:26","date_gmt":"2020-08-21T11:07:26","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=102574","title":{"rendered":"Bak\u0131da milyonlarla d\u0259y\u0259ri olan ma\u015f\u0131nlar ya\u011f\u0131\u015f\u0131n, g\u00fcn\u00fcn alt\u0131nda \u00e7\u00fcr\u00fcy\u00fcr? – FOTO<\/b><\/font>"},"content":{"rendered":"

Banklar t\u0259r\u0259find\u0259n girov müqabilind\u0259 al\u0131nan avtomobill\u0259r ill\u0259rdir ki, istifad\u0259siz qal\u0131b.  Avtomobill\u0259rin kredit v\u0259 ya lizinq \u015f\u0259rtl\u0259rini öd\u0259y\u0259 bilm\u0259y\u0259nl\u0259r m\u0259cbur\u0259n ma\u015f\u0131n\u0131 banka verir. Bank is\u0259 ma\u015f\u0131n\u0131 sata bilm\u0259diyi üçün günün alt\u0131nda "yat\u0131b" qal\u0131r. V\u0259t\u0259nda\u015flar krediti vaxt\u0131nda öd\u0259y\u0259 bilm\u0259dikd\u0259 banklar qanuni v\u0259 ya qanunsuz yolla h\u0259min ma\u015f\u0131nlar\u0131 v\u0259t\u0259nda\u015flardan al\u0131b bu fotolarda gördüyünüz meydançalarda çürüdür. Hans\u0131 ki, bunlar\u0131 normal v\u0259 daha yüngül \u015f\u0259rtl\u0259rl\u0259 yenid\u0259n h\u0259min v\u0259t\u0259nda\u015flara verm\u0259k olar. Bir var ma\u015f\u0131n günün alt\u0131nda çürüyüb getsin, bir d\u0259 var gec-tez pulu öd\u0259nilir v\u0259 h\u0259m kimins\u0259 ma\u015f\u0131n\u0131 olur, h\u0259m d\u0259 milyonlar bat\u0131b getmir. <\/em><\/p>\n

\u018fm\u0259kda\u015f\u0131m\u0131z fotolar\u0131 ç\u0259k\u0259rk\u0259n m\u0259lum olub ki, ma\u015f\u0131nlar\u0131n \u0259ks\u0259riyy\u0259tinin üz\u0259rind\u0259 hans\u0131sa taksi \u015firk\u0259tinin loqosu var. Y\u0259ni, bu ma\u015f\u0131nlar taksi kimi istifad\u0259 olunub. Amma sahibi pulu öd\u0259y\u0259 bilm\u0259yib v\u0259 bank ma\u015f\u0131n\u0131 ondan al\u0131b. Kimins\u0259 aylarla öd\u0259diyi pulla bat\u0131b, dövl\u0259tin banklara öd\u0259diyi kredit pullar\u0131 is\u0259 göz qaba\u011f\u0131nda çürüyüb gedir. Hans\u0131 ki, bundan ç\u0131x\u0131\u015f yollar var. H\u0259r bir halda bununla ba\u011fl\u0131 mü\u0259yy\u0259n qaydalar i\u015fl\u0259nib haz\u0131rlana bil\u0259r.<\/p>\n

M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Ucnoqta.az-a aç\u0131qlama ver\u0259n ekspert Ramil Osmanl\u0131 bildirib ki, Az\u0259rbaycanda avtomobil kreditl\u0259rinin verilm\u0259sini iki m\u0259rh\u0259l\u0259y\u0259 ay\u0131rmaq olar. "Birinci m\u0259rh\u0259l\u0259 devalivasiyadan \u0259vv\u0259lki dövrü \u0259hat\u0259 edir. Y\u0259ni, 2014-cü il\u0259 q\u0259d\u0259r M\u0259rk\u0259zi Bank\u0131n avtokreditl\u0259rl\u0259 ba\u011fl\u0131 yeni q\u0259bul etdiyi q\u0259rara q\u0259d\u0259r olan dövr n\u0259z\u0259rd\u0259 tutulur.<\/p>\n

\u0130kinci m\u0259rh\u0259l\u0259 is\u0259 t\u0259bii ki, avrostandadrtlar\u0131n q\u0259bulu, "Avro4" standart\u0131na keçid v\u0259 M\u0259rk\u0259zi Bank\u0131n avtokreditl\u0259rl\u0259 ba\u011fl\u0131 q\u0259bul etdiyi yeni qaydalard\u0131r. Bu iki m\u0259rh\u0259l\u0259 aras\u0131nda çox ciddi v\u0259 \u0259sasl\u0131 f\u0259rql\u0259r var. Çünki \u0259vv\u0259lki dövrd\u0259  avtomobil kreditl\u0259ri dem\u0259k olar ki, bütün avtomobill\u0259r\u0259 \u015famil olunurdu. Burada avtomobilin ili, onun texniki v\u0259ziyy\u0259ti v\u0259 dig\u0259r xüsusiyy\u0259tl\u0259ri n\u0259z\u0259r\u0259 al\u0131nmadan, sad\u0259c\u0259 avtomobilin xarici görnü\u015fü v\u0259 texniki \u015f\u0259had\u0259tnam\u0259si il\u0259 kredit verilm\u0259si mümkün idi.<\/p>\n

H\u0259tta veril\u0259n kreditl\u0259rin faiz d\u0259r\u0259c\u0259si b\u0259zi hallarda girovun d\u0259y\u0259rinin t\u0259qrib\u0259n 80-90 faizin\u0259 b\u0259rab\u0259r olurdu ki, bu da kifay\u0259t q\u0259d\u0259r riskli bir add\u0131m idi. Bu riskl\u0259r sonradan n\u0259tic\u0259 etibar\u0131 il\u0259 banklarda çox böyük bir avtomobil m\u0259zarl\u0131\u011f\u0131n\u0131n yaranmas\u0131na g\u0259tirib ç\u0131xard\u0131."<\/p>\n

Ramil Osmanl\u0131 bildirib ki,  2014-cü ild\u0259n sonra M\u0259rk\u0259zi Bank  problemli kreditl\u0259rin h\u0259cminin çoxalmas\u0131nda avtomobil kreditl\u0259rinin pay\u0131n\u0131n  h\u0259dd\u0259n art\u0131q yüks\u0259k oldu\u011funu n\u0259z\u0259r\u0259 alaraq avtokredtil\u0259rd\u0259 yeni qaydalar t\u0259tbiq etdi.<\/p>\n

"Köhn\u0259 avtomobill\u0259r\u0259 yaln\u0131z "Avro4"  standartlar\u0131n\u0131n t\u0259l\u0259bl\u0259rin\u0259 cavab verm\u0259k \u015f\u0259rti il\u0259  kredit verilirdi. \u018fks halda bu qaydalar t\u0259tbiq edil\u0259 bilm\u0259zdi.  Köhn\u0259 – y\u0259ni istismarda olmu\u015f avtomobill\u0259r\u0259 maksimim girov d\u0259y\u0259rinin 20 faizi h\u0259cmind\u0259, yeni avtomobill\u0259r\u0259 is\u0259 maksimum  h\u0259min avtomobill\u0259rin  d\u0259y\u0259rinin 50 faizi  h\u0259cmind\u0259 kreditl\u0259r verilm\u0259y\u0259 ba\u015flad\u0131. Bu sözsüz ki, bu sah\u0259d\u0259 f\u0259aliyy\u0259t göst\u0259r\u0259n kredit t\u0259\u015fkilatlar\u0131na yeni axtar\u0131\u015f aparmas\u0131n\u0131, yeni bir metodika ortaya  qoymaq üçün z\u0259min yaratd\u0131.<\/p>\n

T\u0259dric\u0259n ortaya lizinq ad\u0131 il\u0259 avotmobill\u0259rin kreditl\u0259\u015fm\u0259si ç\u0131xd\u0131. Burada ucuz – d\u0259y\u0259ri t\u0259qrib\u0259n 20 min manatdan a\u015fa\u011f\u0131 olan n\u0259qliyyat vasit\u0259l\u0259rinin,  avtomobill\u0259rin, xüsusiil\u0259 \u0130ran, Rusiya v\u0259 Çin istehsal\u0131  olan avtomobill\u0259rin kreditl\u0259\u015fm\u0259si prosesin\u0259 ba\u015flad\u0131.<\/p>\n

N\u0259tic\u0259 etibaril\u0259 dem\u0259k olar ki, bu proses d\u0259 özünü do\u011frultmad\u0131  v\u0259  son dövrl\u0259r y\u0259ni devalvasiyadan sonra banklar\u0131n ba\u011flanmas\u0131 n\u0259tic\u0259sind\u0259 girovda  olan, faktiki olaraq istismardan  k\u0259narda qalm\u0131\u015f çox sayda avton\u0259qiliyyat vasit\u0259l\u0259ri bu gün qeyd etdiyimiz kimi h\u0259min avotmobil  q\u0259bristanl\u0131\u011f\u0131n\u0131n üzvl\u0259rin\u0259 çevrilibl\u0259r. Badamdardak\u0131 ma\u015f\u0131n bazar\u0131nda "yat\u0131blar".<\/p>\n

T\u0259ssüfl\u0259r olsun ki, h\u0259min banklar\u0131n \u0259ks\u0259riyy\u0259tinin ba\u011fland\u0131\u011f\u0131na gör\u0259, o banklar\u0131n  l\u0259\u011fv edicil\u0259ri faktiki olaraq bu prosesl\u0259, y\u0259ni avtomobill\u0259rin realibaziyas\u0131 il\u0259 m\u0259\u015f\u011ful olma\u011fa \u0259n az\u0131ndan fiziki imkanlar\u0131 yoxdur. N\u0259tic\u0259d\u0259 avtomobill\u0259r ild\u0259n il\u0259 köhn\u0259lir. Bu avtomobill\u0259rin faktiki sahibl\u0259rin\u0259, eyni zamanda banklara ziyan d\u0259yir.<\/p>\n

Öhd\u0259likl\u0259rin h\u0259cmi art\u0131r, avtomobilin girov d\u0259y\u0259ri bazar d\u0259y\u0259rind\u0259n a\u015fa\u011f\u0131 dü\u015für v\u0259 n\u0259tic\u0259d\u0259 çox ciddi probleml\u0259r\u0259 g\u0259tirib ç\u0131xard\u0131r. Halbuki h\u0259min avtomobill\u0259ri mü\u0259yy\u0259n formada yenid\u0259n t\u0259krar  bazara ç\u0131xarmaq mümkündür. Sad\u0259c\u0259 o banklar\u0131n \u0259ks\u0259riyy\u0259ti ba\u011fland\u0131\u011f\u0131na gör\u0259 l\u0259\u011fvedicil\u0259rinin indiki halda fiziki imkanlar\u0131 bu prosesi h\u0259yata keçirm\u0259y\u0259 imkan vermir. Ümumi m\u0259nz\u0259r\u0259 bundan ibar\u0259tdir.<\/p>\n

T\u0259bii ki, sual oluna bil\u0259r ki, yax\u015f\u0131 t\u0259klif n\u0259d\u0259n ibar\u0259tdir? N\u0259z\u0259r\u0259 alsaq ki, 2014-d\u0259n bu yana prosesd\u0259 faktiki olaraq girov kimi q\u0259bul olunmu\u015f v\u0259 bu gün ortal\u0131qda qalan avtomobill\u0259rin \u0259ks\u0259riyy\u0259ti yeni, y\u0259ni ili t\u0259z\u0259 olan i\u015fl\u0259nm\u0259mi\u015f avtomobil\u0259r olub. Çox az istismar olunub. \u018fks\u0259riyy\u0259ti d\u0259 faktiki olaraq istismara yararl\u0131 v\u0259ziyy\u0259td\u0259dir. <\/p>\n

N\u0259z\u0259rd\u0259 alsaq ki, Az\u0259rbaycanda ucuz avtomobil\u0259 t\u0259l\u0259bat h\u0259mi\u015f\u0259  olub v\u0259 var onlar\u0131n realizasiyas\u0131 üçün imkanlar geni\u015fdir. Sad\u0259c\u0259 mü\u0259yy\u0259n t\u0259klifl\u0259r i\u015fl\u0259nib haz\u0131rlanmal\u0131 v\u0259 eyni zamanda l\u0259\u011fvedicil\u0259r bu t\u0259klifl\u0259rl\u0259  M\u0259rk\u0259zi  Bank v\u0259 dig\u0259r maliyy\u0259 qurumlar\u0131 qar\u015f\u0131s\u0131nda ç\u0131x\u0131\u015f etm\u0259lidir. T\u0259bii ki, bu prosesi h\u0259yata keçir\u0259n brokerl\u0259r v\u0259 ya alq\u0131-satq\u0131 agentl\u0259rinin ortaya ç\u0131xmas\u0131na ehtiyac var.<\/p>\n","protected":false},"excerpt":{"rendered":"

Banklar t\u0259r\u0259find\u0259n girov müqabilind\u0259 al\u0131nan avtomobill\u0259r ill\u0259rdir ki, istifad\u0259siz qal\u0131b.  Avtomobill\u0259rin kredit v\u0259 ya lizinq \u015f\u0259rtl\u0259rini öd\u0259y\u0259 bilm\u0259y\u0259nl\u0259r m\u0259cbur\u0259n ma\u015f\u0131n\u0131 banka verir. Bank is\u0259 ma\u015f\u0131n\u0131 sata bilm\u0259diyi üçün günün alt\u0131nda…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-102574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/102574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=102574"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/102574\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=102574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=102574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=102574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}