Bu gün \u0259halinin hüquqlar\u0131n\u0131n kütl\u0259vi \u015f\u0259kild\u0259 pozuldu\u011fu sah\u0259l\u0259rd\u0259n biri d\u0259 bank sektorudur. Bank sektoru \u0259halinin maliyy\u0259 savads\u0131zl\u0131\u011f\u0131ndan v\u0259 b\u0259zi hallarda dola\u015f\u0131q mexanizml\u0259rd\u0259n istifad\u0259 ed\u0259r\u0259k mü\u015ft\u0259ril\u0259ri faizl\u0259 “yükl\u0259yirl\u0259r” v\u0259 külli miqdarda g\u0259lir \u0259ld\u0259 edirl\u0259r. Sonda m\u0259lum olur ki, bankdan kiçik m\u0259bl\u0259\u011fd\u0259 v\u0259sait götürmü\u015f mü\u015ft\u0259ri h\u0259min m\u0259bl\u0259\u011f üçün ba\u011f\u0131rsaq kimi uzanan faizl\u0259r öd\u0259m\u0259li olur. T\u0259\u0259ssüf ki, M\u0259rk\u0259zi Bank h\u0259l\u0259 d\u0259 istehlakç\u0131lar\u0131n hüquqlar\u0131n\u0131n qorunmas\u0131 sah\u0259sind\u0259 effektiv mexanizm ortaya qoya bilm\u0259yib. <\/p>\n
Ucnoqta.az x\u0259b\u0259r verir ki bunu tan\u0131nm\u0131\u015f iqtisadç\u0131 Samir \u018fliyev bildirib.<\/p>\n
"Siz\u0259 ölk\u0259nin ikinci \u0259n böyük bank\u0131 olan" Kapita" bank\u0131n borcu silm\u0259 mexanizmi bar\u0259d\u0259 dan\u0131\u015fmaq ist\u0259yir\u0259m. Bu bank\u0131n xidm\u0259t göst\u0259rdiyi 1000 manat kredit limiti olan kart sahibiy\u0259m. Kredit kart istifad\u0259çil\u0259ri bilir ki, x\u0259rcl\u0259nmi\u015f v\u0259sait bir qayda olaraq güz\u0259\u015ftli v\u0259 güz\u0259\u015ftsiz statusa malik olur. Kart vasit\u0259sil\u0259 mal v\u0259 xidm\u0259tl\u0259r üçün öd\u0259ni\u015f etdikd\u0259 x\u0259rcl\u0259nmi\u015f v\u0259sait mü\u0259yy\u0259n dövrd\u0259 (30 gün, 45 gün v\u0259 s.) güz\u0259\u015ftli statusa malik olur. Ancaq na\u011fdla\u015fd\u0131rma v\u0259 ba\u015fqa karta köçürtm\u0259 etdikd\u0259 (card to card) günd\u0259lik faiz hesablan\u0131r. M\u0259s\u0259l\u0259n, Kapitalbank bel\u0259 \u0259m\u0259liyyat üçün illik 35%-lik faiz t\u0259tbiq edir. Ölk\u0259 üzr\u0259 orta faiz d\u0259r\u0259c\u0259sind\u0259n 3 d\u0259f\u0259y\u0259d\u0259k yüks\u0259k…"- iqtisadç\u0131 qeyd edib. <\/p>\n
Samir \u018fliyev bildirib ki t\u0259xmin\u0259n 12 gün \u0259vv\u0259l kartdan dig\u0259r kartda 400 manat köçürtmü\u015f\u0259m v\u0259 m\u0259nd\u0259n 1.5% komissyon haqq\u0131 (6 manat) tutub:" Q\u0131sas\u0131 406 manat v\u0259sait ç\u0131x\u0131b kartdan v\u0259 faiz hesablanma\u011fa ba\u015flay\u0131b. Bura q\u0259d\u0259r sual yoxdur v\u0259 h\u0259r \u015fey qaydas\u0131ndad\u0131r. Sual bundan sonra ba\u015flay\u0131r. 1000 manatl\u0131q limitin t\u0259xmin\u0259n 400 manat\u0131 güz\u0259\u015ftli v\u0259sait idi, 406 manat güz\u0259\u015ftsiz v\u0259 kartda is\u0259 200 manata yax\u0131n v\u0259sait qalm\u0131\u015fd\u0131. N\u0259tic\u0259d\u0259 m\u0259nim karta olan borcum 806 manat olub. Ancaq m\u0259n 10 gün müdd\u0259tind\u0259 hiss\u0259-hiss\u0259 olmaqla 960 manatdan çox v\u0259sait yat\u0131rm\u0131\u015fam v\u0259 sonda m\u0259lum olur ki, m\u0259nim 282 manat güz\u0259\u015ftsiz statusa malik borcum var v\u0259 ona gör\u0259 illik 35% olmaqla günd\u0259lik borc y\u0131\u011f\u0131l\u0131r. \u018fvv\u0259l fikirl\u0259\u015fdim ki, borc x\u0259rcl\u0259nm\u0259 tarixi \u0259sas\u0131nda örtülür. \u018fvv\u0259l 400 manat, sonra is\u0259 faizl\u0259 birg\u0259 406 manat örtül\u0259c\u0259k. Ancaq bank karta qoydu\u011fum 960 manat v\u0259saitin c\u0259misi 130 manat\u0131n\u0131 güz\u0259\u015ftsiz borca yön\u0259ldib. Yerd\u0259 qalan 282 manatl\u0131q v\u0259sait\u0259 insafs\u0131zcas\u0131na 35% illik faiz t\u0259tbiq edir". <\/p>\n
Ekspert bankla \u0259laq\u0259 saxlad\u0131\u011f\u0131n\u0131 deyir:<\/p>\n
"\u0130zahlar\u0131 öz m\u0259nafel\u0259rin\u0259 uy\u011fun oldu. Borc öd\u0259y\u0259nd\u0259 prioritet güz\u0259\u015ftli v\u0259saitl\u0259r olur. Mü\u015ft\u0259riy\u0259 1 ayl\u0131q möhl\u0259t ver\u0259n borcu ba\u011flama\u011f\u0131 sonraya saxlamaq \u0259v\u0259zin\u0259 banka günd\u0259lik faiz qazand\u0131ran borcu sonraya saxlay\u0131r. Mü\u015ft\u0259ri terminallar vasit\u0259sil\u0259 pul öd\u0259yir v\u0259 bank h\u0259min v\u0259siti ona qazanc ver\u0259n istiqam\u0259t\u0259 yön\u0259ldir. <\/p>\n
Anla\u015f\u0131lan odur ki, h\u0259r bank öz ist\u0259yir\u0259n uy\u011fun faiz siyas\u0259ti yürüdür v\u0259 \u0259halinin maliyy\u0259 savads\u0131zl\u0131\u011f\u0131ndan istifad\u0259 ed\u0259r\u0259k onlar\u0131 faizl\u0259 yük\u0259yirl\u0259r. Müqavil\u0259l\u0259ri is\u0259 öz m\u0259nafel\u0259rin\u0259 uy\u011fun t\u0259rtib edirl\u0259r ki, ist\u0259nil\u0259n vaxt h\u0259min müqavil\u0259l\u0259r\u0259 istinad ed\u0259r\u0259k özl\u0259rini haql\u0131 ç\u0131xarts\u0131nlar. M\u0259n bilmir\u0259m M\u0259rk\u0259zi Bank banklar\u0131n faiz t\u0259tbiqin\u0259 nec\u0259 n\u0259zar\u0259t edirl\u0259r, amma \u0259min\u0259m ki, mü\u015ft\u0259ril\u0259r bundan z\u0259r\u0259r görür. Ola bilsin hans\u0131sa mü\u015ft\u0259riy\u0259 günd\u0259lik 15-20 q\u0259pik faiz hesablamaq diqq\u0259t c\u0259lb etm\u0259y\u0259 bil\u0259r. Amma 100 minl\u0259tl\u0259r mü\u015ft\u0259risi olan banklar 1 günlük qazancdan böyük v\u0259sait \u0259la\u0259 edirl\u0259r. <\/p>\n
Ümid edir\u0259m M\u0259rk\u0259zi Bank bu hallara n\u0259zar\u0259ti gücl\u0259ndir\u0259c\u0259k v\u0259 banklar\u0131n yox, \u0259halinin m\u0259nafeyind\u0259n ç\u0131x\u0131\u015f ed\u0259c\u0259k".<\/p>\n","protected":false},"excerpt":{"rendered":"
Bu gün \u0259halinin hüquqlar\u0131n\u0131n kütl\u0259vi \u015f\u0259kild\u0259 pozuldu\u011fu sah\u0259l\u0259rd\u0259n biri d\u0259 bank sektorudur. Bank sektoru \u0259halinin maliyy\u0259 savads\u0131zl\u0131\u011f\u0131ndan v\u0259 b\u0259zi hallarda dola\u015f\u0131q mexanizml\u0259rd\u0259n istifad\u0259 ed\u0259r\u0259k mü\u015ft\u0259ril\u0259ri faizl\u0259 “yükl\u0259yirl\u0259r” v\u0259 külli miqdarda…<\/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-237862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/237862","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=237862"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/237862\/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=237862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=237862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=237862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}