{"id":202491,"date":"2024-05-20T13:41:59","date_gmt":"2024-05-20T09:41:59","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=202491","title":{"rendered":"Kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs \u00f6l\u0259rs\u0259,"},"content":{"rendered":"

Dünyas\u0131n\u0131 d\u0259yi\u015f\u0259n \u015f\u0259xsin kredit öhd\u0259likl\u0259rinin v\u0259r\u0259s\u0259sin\u0259 transfer olunmas\u0131 \u0259ks\u0259r hallarda ail\u0259l\u0259r üçün ç\u0259tinlikl\u0259r yarad\u0131r. B\u0259s, kredit götürdükd\u0259n sonra dünyas\u0131n\u0131 d\u0259yi\u015f\u0259n \u015f\u0259xsl\u0259rin v\u0259r\u0259s\u0259l\u0259ri hans\u0131 halda borcu qaytarmaya bil\u0259r?<\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisadç\u0131 deputat Vüqar Bayramov sosial \u015f\u0259b\u0259k\u0259d\u0259 yaz\u0131b.<\/p>\n

Deputat bildirib ki, tan\u0131\u015f\u0131 bel\u0259 bir halla qar\u015f\u0131la\u015f\u0131b: <\/p>\n

“Bir müdd\u0259t önc\u0259 kommersiya banklar\u0131n\u0131n birind\u0259n kredit götürüb yük avtomobili alan tan\u0131\u015f\u0131m yol q\u0259zas\u0131nda dünyas\u0131n\u0131 d\u0259yi\u015fdi. Bank is\u0259 onun götürdüyü 20 min manat krediti v\u0259r\u0259s\u0259l\u0259rind\u0259n t\u0259l\u0259b etm\u0259y\u0259 ba\u015flad\u0131. Ail\u0259nin durumu yax\u015f\u0131 olmasa da, kreditin qaytar\u0131lmas\u0131 qaç\u0131lmaz idi. Tan\u0131\u015flar\u0131 v\u0259 qohumlar\u0131 dünyas\u0131n\u0131 d\u0259yi\u015f\u0259n \u015f\u0259xsin v\u0259r\u0259s\u0259sin\u0259 maddi d\u0259st\u0259k olaraq banka olan borcu qaytard\u0131lar. Bel\u0259 hallar\u0131n say\u0131 kifay\u0259t q\u0259d\u0259r çoxdur. Haz\u0131rda banklar t\u0259r\u0259find\u0259n 7 milyard manatdan art\u0131q istehlak kreditl\u0259ri verilib. Bu, 3 milyondan art\u0131q v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n borclanmas\u0131 dem\u0259kdir. Göründüyü kimi, h\u0259m kreditin ümumi m\u0259bl\u0259\u011fi, h\u0259m d\u0259 borclananlar\u0131n say\u0131 kifay\u0259t q\u0259d\u0259r çoxdur”. <\/p>\n

V.Bayramov qeyd edib ki, statistikaya \u0259sas\u0259n, istehlak krediti götür\u0259nl\u0259rin 95 faizinin s\u0131\u011fortas\u0131 yoxdur: “S\u0131\u011fortadan istifad\u0259 olunmad\u0131\u011f\u0131ndan kredit götür\u0259n \u015f\u0259xs dünyas\u0131n\u0131 d\u0259yi\u015f\u0259n zaman v\u0259r\u0259s\u0259si, y\u0259ni onun ail\u0259si borcu qaytarmaq m\u0259cburiyy\u0259tind\u0259 qal\u0131r. \u0130nki\u015faf etmi\u015f ölk\u0259l\u0259rin t\u0259crüb\u0259si göst\u0259rir ki, s\u0131\u011fortadan istifad\u0259 bu riski aradan qald\u0131r\u0131r. N\u0259tic\u0259d\u0259, \u0259g\u0259r kredti götür\u0259n \u015f\u0259xs h\u0259yat s\u0131\u011fotas\u0131ndan istifad\u0259 ed\u0259rs\u0259, bu halda onun bütün riskl\u0259ri s\u0131\u011fortalanm\u0131\u015f olur v\u0259 borclanma onun ail\u0259si üçün h\u0259r hans\u0131 potensial ç\u0259tinlik yaratm\u0131r.<\/p>\n

Bu bax\u0131mdan, kreditl\u0259r veril\u0259n zaman s\u0131\u011fortadan istifad\u0259 olunmas\u0131 \u0259h\u0259miyy\u0259tlidir. Beyn\u0259lxalq praktikaya uy\u011fun olaraq, Az\u0259rbaycanda da kreditl\u0259\u015fm\u0259 zaman\u0131 s\u0131\u011fortadan istifad\u0259ni vacib hesab edirik. S\u0131\u011fortadan istifad\u0259nin \u0259lav\u0259 öd\u0259ni\u015f olmas\u0131na baxmayaraq, bu, borclanan üçün x\u0259rcin artmas\u0131na s\u0259b\u0259b olmayacaq. Çünki kredit faizl\u0259rin\u0259 t\u0259sir göst\u0259r\u0259n faktorlardan biri d\u0259 risk amilidir. Risk s\u0131\u011fortalanan zaman banklar daha optimal faizl\u0259 kredit t\u0259klif ed\u0259 bilirl\u0259r. Y\u0259ni, s\u0131\u011fortadan istifad\u0259 istehlak kreditl\u0259ri üzr\u0259 faizl\u0259rin d\u0259 azalmas\u0131na g\u0259tirib ç\u0131xara bil\u0259r”. <\/p>\n

O bildirib ki, s\u0131\u011fortahaqq\u0131 da yüks\u0259k olmad\u0131\u011f\u0131ndan differensial olaraq öd\u0259ni\u015f payla\u015fd\u0131r\u0131la bilir: “Bu o dem\u0259kdir ki, kredit faizl\u0259rini art\u0131rmamaqla s\u0131\u011fortalanman\u0131n h\u0259yata keçirilm\u0259si mümkündür. Buna gör\u0259 d\u0259, riskl\u0259rin kompensasiya olunmas\u0131 n\u0259tic\u0259sind\u0259 kredit faizl\u0259rinin a\u015fa\u011f\u0131 dü\u015fm\u0259si s\u0131\u011fortadan istifad\u0259y\u0259 r\u0259\u011fm\u0259n kredit götür\u0259n \u015f\u0259xsl\u0259r üçün d\u0259 \u0259lav\u0259 x\u0259rc yaratmayacaq. Çünki, azalan kredit faizl\u0259ri s\u0131\u011forta öd\u0259ni\u015fini kompensasiya ed\u0259c\u0259k. N\u0259tic\u0259d\u0259, kredit götür\u0259n \u015f\u0259xs dünyas\u0131n\u0131 d\u0259yi\u015f\u0259rs\u0259, o halda borcu v\u0259r\u0259s\u0259, y\u0259ni ail\u0259 üzvü qaytarmayacaq. S\u0131\u011forta \u015firk\u0259ti borcu tam olaraq banka öd\u0259y\u0259c\u0259k. Bu bax\u0131mdan da, sözüged\u0259n istiqam\u0259td\u0259 beyn\u0259lxalq t\u0259crüb\u0259d\u0259n istifad\u0259 olunmas\u0131 çox \u0259h\u0259miyy\u0259tlidir”.<\/p>\n","protected":false},"excerpt":{"rendered":"

Dünyas\u0131n\u0131 d\u0259yi\u015f\u0259n \u015f\u0259xsin kredit öhd\u0259likl\u0259rinin v\u0259r\u0259s\u0259sin\u0259 transfer olunmas\u0131 \u0259ks\u0259r hallarda ail\u0259l\u0259r üçün ç\u0259tinlikl\u0259r yarad\u0131r. B\u0259s, kredit götürdükd\u0259n sonra dünyas\u0131n\u0131 d\u0259yi\u015f\u0259n \u015f\u0259xsl\u0259rin v\u0259r\u0259s\u0259l\u0259ri hans\u0131 halda borcu qaytarmaya bil\u0259r? Ucnoqta.az x\u0259b\u0259r verir…<\/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-202491","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\/202491","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=202491"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/202491\/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=202491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=202491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=202491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}