{"id":203176,"date":"2024-05-31T10:41:25","date_gmt":"2024-05-31T06:41:25","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=203176","title":{"rendered":"Az\u0259rbaycanda fiziki \u015f\u0259xsl\u0259r\u0259 kredit verilm\u0259si il\u0259 ba\u011fl\u0131"},"content":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) \u0130dar\u0259 Hey\u0259ti (\u0130H) 21 sentyabr 2023-cü il tarixli q\u0259rar\u0131 il\u0259 t\u0259sdiql\u0259nmi\u015f "Banklarda kredit riskl\u0259rinin idar\u0259 edilm\u0259si Qaydas\u0131"nda d\u0259yi\u015fiklik edib.<\/strong><\/p>\n

Ucnoqta.az oxu.az-a istinad\u0259n x\u0259b\u0259r verir ki, bununla ba\u011fl\u0131 AMB-nin s\u0259dri Taleh Kaz\u0131mov yeni q\u0259rar imzalay\u0131b.<\/p>\n

Q\u0259rara \u0259sas\u0259n, m\u0259cburi s\u0131\u011fortalanma t\u0259l\u0259binin mü\u0259yy\u0259n olundu\u011fu hallar istisna olmaqla, fiziki \u015f\u0259xsl\u0259 kredit, o cüml\u0259d\u0259n m\u0259saf\u0259d\u0259n kredit müqavil\u0259si ba\u011flanmazdan \u0259vv\u0259l bank mü\u015ft\u0259riy\u0259 h\u0259min kredit üzr\u0259 onunla ba\u011fl\u0131 riskl\u0259r\u0259 t\u0259minat verilm\u0259sini n\u0259z\u0259rd\u0259 tutan borcalan\u0131n h\u0259yat\u0131n\u0131n ölüm hal\u0131ndan v\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131ndan s\u0131\u011forta müqavil\u0259sinin d\u0259 ba\u011flanmas\u0131n\u0131 t\u0259klif edil\u0259c\u0259k. Bank s\u0131\u011fortaç\u0131lardan s\u0131\u011forta haqlar\u0131na dair t\u0259klifl\u0259ri almal\u0131 v\u0259 d\u0259yi\u015fiklik edilm\u0259d\u0259n mü\u015ft\u0259riy\u0259 t\u0259qdim etm\u0259lidir. Müvafiq s\u0131\u011forta müqavil\u0259sinin ba\u011flanmas\u0131 v\u0259 bankda bu bar\u0259d\u0259 qeydiyyat apar\u0131lmaqla ka\u011f\u0131z da\u015f\u0131y\u0131c\u0131da v\u0259 ya elektron formada mü\u015ft\u0259riy\u0259 t\u0259qdim edil\u0259c\u0259k.<\/p>\n

Bundan ba\u015fqa, kredit müqavil\u0259si, o cüml\u0259d\u0259n istehlak krediti müqavil\u0259si, habel\u0259 h\u0259yat s\u0131\u011forta müqavil\u0259si üzr\u0259 münasib\u0259tl\u0259r Mülki M\u0259c\u0259ll\u0259 v\u0259 \u0130H-nin "Kredit müqavil\u0259l\u0259ri üzr\u0259 borcalan\u0131n h\u0259yat\u0131n\u0131n ölüm hal\u0131ndan v\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131ndan s\u0131\u011fortas\u0131 Qaydas\u0131" il\u0259 t\u0259nziml\u0259n\u0259c\u0259k.<\/p>\n

H\u0259mçinin q\u0259rarla kreditl\u0259rin verilm\u0259si prosesin\u0259 poçt rabit\u0259sinin milli operatoru, öd\u0259ni\u015f t\u0259\u015fkilatlar\u0131 v\u0259 elektron pul t\u0259\u015fkilatlar\u0131 c\u0259lb edil\u0259 bil\u0259r. Bu halda h\u0259min t\u0259\u015fkilatlar t\u0259r\u0259find\u0259n a\u015fa\u011f\u0131dak\u0131 f\u0259aliyy\u0259tl\u0259r h\u0259yata keçiril\u0259 bil\u0259r:<\/p>\n

– kredit müraci\u0259ti üçün t\u0259l\u0259b olunan s\u0259n\u0259dl\u0259rin q\u0259bulu;<\/p>\n

– borcalanlar\u0131n öd\u0259m\u0259 qabiliyy\u0259tinin ilkin qiym\u0259tl\u0259ndirilm\u0259si;<\/p>\n

– kreditl\u0259rl\u0259 ba\u011fl\u0131 t\u0259qdim edilm\u0259li olan s\u0259n\u0259dl\u0259rin, o cüml\u0259d\u0259n mü\u015ft\u0259rinin fiziki imzas\u0131 t\u0259l\u0259b olunan s\u0259n\u0259dl\u0259rin, öd\u0259ni\u015f al\u0259tl\u0259rinin müvafiq olaraq banka v\u0259 (v\u0259 ya) mü\u015ft\u0259ril\u0259r\u0259 çatd\u0131r\u0131lmas\u0131.<\/p>\n

AMB-nin Hüquq departamentin\u0259 bu Q\u0259rar\u0131n 3 gün müdd\u0259tind\u0259 Hüquqi Aktlar\u0131n Dövl\u0259t Reyestrin\u0259 daxil edilm\u0259si üçün \u018fdliyy\u0259 Nazirliyin\u0259 t\u0259qdim edilm\u0259si tap\u015f\u0131r\u0131l\u0131b.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) \u0130dar\u0259 Hey\u0259ti (\u0130H) 21 sentyabr 2023-cü il tarixli q\u0259rar\u0131 il\u0259 t\u0259sdiql\u0259nmi\u015f "Banklarda kredit riskl\u0259rinin idar\u0259 edilm\u0259si Qaydas\u0131"nda d\u0259yi\u015fiklik edib. Ucnoqta.az oxu.az-a istinad\u0259n x\u0259b\u0259r verir ki, bununla…<\/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":[88],"tags":[],"class_list":["post-203176","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/203176","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=203176"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/203176\/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=203176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=203176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=203176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}