{"id":135123,"date":"2021-11-25T14:40:19","date_gmt":"2021-11-25T10:40:19","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=135123","title":{"rendered":"Ekspert:<\/b><\/font> “T\u0259l\u0259b\u0259l\u0259r\u0259 kreditin verilm\u0259m\u0259si \u00fc\u00e7\u00fcn …”"},"content":{"rendered":"

Uzun müdd\u0259tdir ki, müzakir\u0259 olunan t\u0259l\u0259b\u0259 kreditl\u0259rini art\u0131q verilm\u0259y\u0259 ba\u015flay\u0131rlar. Lakin praktikada is\u0259 onu almaq ç\u0259tin prosedur qaydalar\u0131na gör\u0259 mümükün olmayacaq. Qeyd edim ki, dünyada 1960-c\u0131 ill\u0259rd\u0259n t\u0259l\u0259b\u0259 kreditl\u0259rinin verilm\u0259sin\u0259 ba\u015flan\u0131l\u0131b v\u0259 haz\u0131rda 61 ölk\u0259d\u0259 t\u0259l\u0259b\u0259 kreditl\u0259ri verilir. <\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, bunu t\u0259hsil eksperti Kamran \u018fs\u0259dov bildirib. Onun sözl\u0259rin\u0259 gör\u0259, \u0259n ç\u0259tin kredit verilm\u0259 \u015f\u0259rtl\u0259ri v\u0259 prosedur qaydalar\u0131 Az\u0259rbaycandad\u0131r: 
\n"Dem\u0259k olar ki, heç bir güz\u0259\u015ft yoxdur v\u0259 onu almaq \u0259lçatan deyil.
\nKreditin verilm\u0259si \u015f\u0259rtl\u0259rind\u0259 bir-neç\u0259 ciddi nöqsan\u0131 qeyd edim:<\/p>\n

1. <\/strong>T\u0259l\u0259b olunur ki, www.e-ttkf.edu.az<\/a> portal\u0131 vasit\u0259si il\u0259 müraci\u0259t etm\u0259k laz\u0131md\u0131r. Bunun üçün is\u0259 “asan login”a malik olmaq laz\u0131md\u0131r. Bu portaldan qeydiyyatdan keçm\u0259k üçün is\u0259 müraci\u0259t ed\u0259nin ad\u0131na mobil nömr\u0259 olmal\u0131d\u0131r.
\nLakin n\u0259z\u0259r\u0259 al\u0131nmay\u0131b ki, ölk\u0259d\u0259 18 ya\u015f\u0131ndan a\u015fa\u011f\u0131 olan \u015f\u0259xsl\u0259r\u0259 mobil nömr\u0259 sat\u0131lm\u0131r. Hans\u0131 t\u0259l\u0259b\u0259nin, y\u0259ni kredit almaq üçün müraci\u0259t ed\u0259nin ad\u0131na möbil nömr\u0259 yoxdursa o sistemd\u0259 qeydiyyatdan keç\u0259 bilm\u0259z. Dem\u0259li indi az\u0131 60 min t\u0259l\u0259b\u0259 gedib yeni mobil nömr\u0259 almal\u0131d\u0131r? Daha sonra, ümumi orta t\u0259hsil bazas\u0131ndan kollec\u0259 q\u0259bul olan t\u0259l\u0259b\u0259nin 15 ya\u015f\u0131 var, o öz ad\u0131na nec\u0259 nömr\u0259 ala bil\u0259r? Mobil operatorlar yaln\u0131z valideynl\u0259rinin birinin notarial t\u0259sdiq edilmi\u015f raz\u0131l\u0131\u011f\u0131ndan sonra 18 ya\u015f\u0131ndan a\u015fa\u011f\u0131 \u015f\u0259xs\u0259 mobil nömr\u0259 sat\u0131rlar. Bunlar is\u0259 \u0259lav\u0259 x\u0259rc v\u0259 vaxt dem\u0259kdir.<\/p>\n

2. <\/strong>\u015e\u0259rt\u0259 gör\u0259 www.e-ttkf.edu.az<\/a> portal\u0131nda müraci\u0259t etm\u0259k üçün notarial qaydada t\u0259sdiq edil\u0259n aray\u0131\u015f al\u0131nmal\u0131d\u0131r.
\nBunun üçün is\u0259 t\u0259l\u0259b\u0259l\u0259r dövl\u0259t rüsumu öd\u0259m\u0259lidirl\u0259r. Ax\u0131 niy\u0259 biz onlar\u0131 mobil nömr\u0259 v\u0259 bir-neç\u0259 s\u0259n\u0259di almaq üçün rüsum öd\u0259m\u0259kl\u0259 \u0259lav\u0259 x\u0259rc\u0259 sal\u0131r\u0131q? Niy\u0259 bizim t\u0259l\u0259b\u0259l\u0259ri qap\u0131-qap\u0131 g\u0259zm\u0259lidirl\u0259r? M\u0259g\u0259r T\u0259hsil Nazirliyinin elektron portal\u0131nda h\u0259r t\u0259l\u0259b\u0259 bar\u0259d\u0259 f\u0259rdi m\u0259lumatlar yoxdur?<\/p>\n

3.<\/strong> Fond t\u0259l\u0259b edir ki, kredit almaq üçün t\u0259l\u0259b\u0259nin minimum 300 bal\u0131 olmal\u0131d\u0131r.
\nBu ciddi m\u0259hdudiyy\u0259tdir. G\u0259lin r\u0259q\u0259ml\u0259r\u0259 baxaq: I qrup üzr\u0259 9866 abituriyent müsabiq\u0259 \u015f\u0259rtini öd\u0259yib v\u0259 onlardan 7137 n\u0259f\u0259r 300-d\u0259n çox bal toplay\u0131b. Amma maraql\u0131d\u0131r ki, I qrupda 10112 dövl\u0259t sifari\u015fli, y\u0259ni öd\u0259ni\u015fsiz plan yeri var. Bu o dem\u0259kdir ki, I qrupda abituriyentl\u0259r 200 balla h\u0259tta öd\u0259ni\u015fsiz ixtisaslara q\u0259bul ola bilibl\u0259r.
\nII qrupda 5346 abituriyent müsabiq\u0259 \u015f\u0259rtini öd\u0259yib v\u0259 onlardan 3568 n\u0259f\u0259ri 300 bal\u0131 keçib. Lakin burada da 4230 plan yeri dövl\u0259t sifari\u015fli, y\u0259ni öd\u0259ni\u015fsiz ixtisas var v\u0259 II qrup üzr\u0259 t\u0259l\u0259b\u0259l\u0259r 250 balla öd\u0259ni\u015fsiz ixtisaslara q\u0259bul ola bil\u0259rl\u0259r. Bu o dem\u0259kdir ki, kredit almaq üçün \u0259ks\u0259r t\u0259l\u0259b\u0259l\u0259r müraci\u0259t ed\u0259 bilm\u0259y\u0259c\u0259kl\u0259r, çünki 300-d\u0259n yuxar\u0131 ballar\u0131 olsayd\u0131 el\u0259 dövl\u0259t sifari\u015fi olan ixtisalara q\u0259bul olard\u0131lar, y\u0259ni 300-d\u0259n a\u015fa\u011f\u0131 bala\u0131 olanlar el\u0259 öd\u0259ni\u015fli \u0259saslarla t\u0259hsil alma\u011fa m\u0259cbur olublar.<\/p>\n

4. <\/strong>T\u0259klif edil\u0259n kredit faizl\u0259ri h\u0259dsiz d\u0259r\u0259c\u0259d\u0259 yüks\u0259kdir. Standart kredit üçün 6 faiz t\u0259l\u0259b edilm\u0259si kreditin \u0259lçatanl\u0131l\u0131\u011f\u0131na ciddi mane\u0259 olur. Bu sonda veril\u0259n m\u0259bl\u0259\u011fin iki d\u0259f\u0259d\u0259n çox qaytar\u0131lmas\u0131 il\u0259 n\u0259tic\u0259l\u0259n\u0259c\u0259k. Bu amil d\u0259 kredit göstürülm\u0259si üçün müraci\u0259tl\u0259ri azaldacaq.<\/p>\n

5.<\/strong> Kredit üçün yaln\u0131z \u0259yani t\u0259hsil alanlar müraci\u0259t ed\u0259 bil\u0259r, qiyabi t\u0259hsil alan t\u0259l\u0259b\u0259l\u0259r müraci\u0259t ed\u0259 bilm\u0259zl\u0259r. Qiyabi t\u0259hsil alan t\u0259l\u0259b\u0259l\u0259rin \u0259ks\u0259riyy\u0259ti heç bir yerd\u0259 i\u015fl\u0259mirl\u0259r. M\u0259g\u0259r heç olmazsa i\u015fsiz t\u0259l\u0259b\u0259l\u0259r\u0259 kredit verm\u0259k olmazd\u0131?<\/p>\n

6.<\/strong> T\u0259l\u0259b olunur ki, t\u0259l\u0259b\u0259nin akademik borcu olmas\u0131n v\u0259 onlar\u0131n ümumi orta müv\u0259ff\u0259qiyy\u0259t göst\u0259ricisi 71 baldan yüks\u0259k olsun. Haz\u0131rda ölk\u0259d\u0259 126 min t\u0259l\u0259b\u0259 özü t\u0259hsil haqq\u0131n\u0131 öd\u0259yir. Amma onlar\u0131n ham\u0131s\u0131 müraci\u0259t ed\u0259 bilm\u0259y\u0259c\u0259k, yaln\u0131z 56 min t\u0259l\u0259b\u0259nin müraci\u0259t etm\u0259k imkan\u0131 olacaq. Çünki dig\u0259rl\u0259rinin akademik borclar\u0131 – k\u0259srl\u0259ri var, ya da akademik göst\u0259ricil\u0259ri 71 baldan a\u015fa\u011f\u0131d\u0131r. T\u0259l\u0259b\u0259nin k\u0259srinin olmas\u0131 normal bir \u015feydir. T\u0259bii ki bu t\u0259l\u0259b\u0259l\u0259r yüks\u0259k elmi potensiala malik olsayd\u0131lar öd\u0259ni\u015fli \u0259saslarla t\u0259hsil almazd\u0131lar".<\/p>\n

Ekspert qeyd edir ki, Avropa ölk\u0259l\u0259ri v\u0259 AB\u015e, postsovet m\u0259kan\u0131ndan is\u0259 Rusiya, Ukrayna, Belarus, Qazax\u0131stan v\u0259 Özb\u0259kistan t\u0259hsil kreditl\u0259\u015fm\u0259sini t\u0259tbiq edirl\u0259r: 
\n"M\u0259s\u0259l\u0259n, AB\u015e-da bununla Federal Agentlik m\u0259\u015f\u011ful olur. Agentliyin çox böyük dövriyy\u0259si var.
\nKreditl\u0259r 3 növdür: federal t\u0259l\u0259b\u0259 krediti, valideyn krediti v\u0259 öz\u0259l kredit. H\u0259r biri müxt\u0259lif qruplara v\u0259 \u015f\u0259rtl\u0259rl\u0259 verilir, faizl\u0259r çox a\u015fa\u011f\u0131d\u0131r. Dövl\u0259t yax\u015f\u0131 oxuyan t\u0259l\u0259b\u0259l\u0259r üçün bir s\u0131ra ba\u015fqa güz\u0259\u015ftl\u0259r d\u0259 t\u0259tbiq edir. B\u0259zi \u015ftatlarda t\u0259hsild\u0259, elmd\u0259 yüks\u0259k n\u0259tic\u0259 \u0259ld\u0259 ed\u0259n t\u0259l\u0259b\u0259l\u0259r\u0259 o kreditl\u0259r ba\u011f\u0131\u015flan\u0131r.<\/p>\n

Analoji qurumlar Almaniyada, Fransada, Böyük Britaniyada, \u015e\u0259rqi Avropa ölk\u0259l\u0259rind\u0259 d\u0259 var. Kreditl\u0259rin m\u0259nb\u0259yi kimi ad\u0259t\u0259n dövl\u0259t resurslar\u0131 ç\u0131x\u0131\u015f edir, amma dövl\u0259tin stimulla\u015fd\u0131rd\u0131\u011f\u0131 öz\u0259l fondlar, banklar da bu prosesd\u0259 i\u015ftirak ed\u0259 bilir. H\u0259mçinin universitetl\u0259rin özl\u0259ri d\u0259 kredit ay\u0131r\u0131rlar. \u018fks\u0259r ölk\u0259l\u0259rd\u0259 faizl\u0259r çox a\u015fa\u011f\u0131, müdd\u0259t uzun oldu\u011fu üçün kreditl\u0259rin qaytar\u0131lmas\u0131nda ç\u0259tinlik yaranm\u0131r. Ad\u0259t\u0259n kreditin qaytar\u0131lmas\u0131na universiteti bitirdikd\u0259n 2 il sonra ba\u015flan\u0131l\u0131r, 5-10 il\u0259, b\u0259z\u0259ns\u0259 30 il\u0259d\u0259k müdd\u0259td\u0259 qaytar\u0131l\u0131r".<\/p>\n

Kamran \u018fs\u0259dov bildirir ki, bütün dünyada t\u0259hsilin inki\u015faf etdirilm\u0259sind\u0259 bu kreditl\u0259r böyük rol oynay\u0131r: "Müs\u0259lman ölk\u0259l\u0259rind\u0259n \u0130ndoneziya v\u0259 Türkiy\u0259d\u0259 m\u0259hdud da olsa t\u0259hsil kreditl\u0259\u015fm\u0259si t\u0259tbiq olunma\u011fa ba\u015flay\u0131b. Avstraliyada t\u0259hsil kreditl\u0259ri faizsiz verilir. B\u0259zi ölk\u0259l\u0259rd\u0259 is\u0259 kredit faizl\u0259ri yaln\u0131z texniki x\u0259rcl\u0259ri ört\u0259c\u0259k h\u0259cmd\u0259 y\u0259ni 1-2 faizdir".<\/p>\n

"Ümumiyy\u0259tl\u0259 mövcud \u015f\u0259rtl\u0259rl\u0259 veril\u0259n t\u0259l\u0259b\u0259 kreditl\u0259ri ölk\u0259 konstitutsiyan\u0131n t\u0259l\u0259bl\u0259rin\u0259 ziddir. Bel\u0259 ki, konstitusiyaya gör\u0259 maddi v\u0259ziyy\u0259tind\u0259n as\u0131l\u0131 olmayaraq istedadl\u0131 \u015f\u0259xsl\u0259rin t\u0259hsili davam etdirm\u0259sin\u0259 dövl\u0259t z\u0259man\u0259t verir. Q\u0131sas\u0131, biz t\u0259l\u0259b\u0259l\u0259r\u0259 kreditin verilm\u0259m\u0259si üçün bütün imkanlar\u0131 s\u0259f\u0259rb\u0259r etmi\u015fik" – ekspert qeyd edib.<\/p>\n","protected":false},"excerpt":{"rendered":"

Uzun müdd\u0259tdir ki, müzakir\u0259 olunan t\u0259l\u0259b\u0259 kreditl\u0259rini art\u0131q verilm\u0259y\u0259 ba\u015flay\u0131rlar. Lakin praktikada is\u0259 onu almaq ç\u0259tin prosedur qaydalar\u0131na gör\u0259 mümükün olmayacaq. Qeyd edim ki, dünyada 1960-c\u0131 ill\u0259rd\u0259n t\u0259l\u0259b\u0259 kreditl\u0259rinin verilm\u0259sin\u0259…<\/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":[101],"tags":[],"class_list":["post-135123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/135123","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=135123"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/135123\/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=135123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=135123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=135123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}