{"id":242461,"date":"2026-04-24T10:53:40","date_gmt":"2026-04-24T06:53:40","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=242461","title":{"rendered":"Faizl\u0259 borc verm\u0259yin riskl\u0259ri bar\u0259d\u0259"},"content":{"rendered":"

Ali M\u0259hk\u0259m\u0259 faizl\u0259 borc verm\u0259yin riskl\u0259ri bar\u0259d\u0259 v\u0259t\u0259nda\u015flara x\u0259b\u0259rdarl\u0131q edib.<\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 Ali M\u0259hk\u0259m\u0259d\u0259n m\u0259lamt verilib.<\/p>\n

Ali M\u0259hk\u0259m\u0259nin bununla ba\u011fl\u0131 izah\u0131nda bildirilib ki, faiz müqabilind\u0259 borc verilm\u0259si il\u0259 ba\u011fl\u0131 münasib\u0259tl\u0259r ilk bax\u0131\u015fdan sad\u0259 görüns\u0259 d\u0259, praktikada v\u0259t\u0259nda\u015flar üçün ciddi hüquqi riskl\u0259r yarada bil\u0259r. Buna gör\u0259 d\u0259 bel\u0259 \u0259m\u0259liyyatlara ba\u015flamazdan \u0259vv\u0259l b\u0259zi vacib m\u0259qamlar\u0131 n\u0259z\u0259r\u0259 almaq tövsiy\u0259 olunur:<\/p>\n

"Az\u0259rbaycan Respublikas\u0131n\u0131n Mülki M\u0259c\u0259ll\u0259sinin 740.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, qanunda v\u0259 ya müqavil\u0259d\u0259 ba\u015fqa qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcver\u0259n borcalandan müqavil\u0259d\u0259 mü\u0259yy\u0259n edilmi\u015f qaydada v\u0259 m\u0259bl\u0259\u011fd\u0259 faiz t\u0259l\u0259b ed\u0259 bil\u0259r. Y\u0259ni faizl\u0259 borc verm\u0259k prinsip etibaril\u0259 qanunla qada\u011fan olunmur v\u0259 fiziki \u015f\u0259xsl\u0259r aras\u0131ndak\u0131 bu münasib\u0259tl\u0259r\u0259 m\u0259i\u015f\u0259t dilind\u0259 ad\u0259t\u0259n “s\u0259l\u0259mçilik” deyilir. \u018fsas riskl\u0259r bu münasib\u0259tl\u0259rin nec\u0259 r\u0259smil\u0259\u015fdirilm\u0259sind\u0259n qaynaqlan\u0131r. Praktikada fiziki \u015f\u0259xsl\u0259r aras\u0131nda borc münasib\u0259tl\u0259ri çox vaxt qeyri-r\u0259smi \u015f\u0259kild\u0259 qurulur. Yaz\u0131l\u0131 müqavil\u0259 t\u0259rtib olunmur v\u0259 ya t\u0259rtib edils\u0259 bel\u0259, \u0259sas \u015f\u0259rtl\u0259r – borcun m\u0259bl\u0259\u011fi, faiz d\u0259r\u0259c\u0259si, qaytar\u0131lma müdd\u0259ti v\u0259 öd\u0259ni\u015f qaydas\u0131 d\u0259qiq göst\u0259rilmir. Bu is\u0259 mübahis\u0259 yarand\u0131qda sübutetm\u0259ni ç\u0259tinl\u0259\u015fdirir".<\/p>\n

Qeyd edilib ki, öd\u0259ni\u015fl\u0259rin na\u011fd \u015f\u0259kild\u0259 v\u0259 s\u0259n\u0259dsiz apar\u0131lmas\u0131 da ciddi probleml\u0259r\u0259 s\u0259b\u0259b olur. H\u0259r bir öd\u0259ni\u015fin q\u0259bz, köçürm\u0259 s\u0259n\u0259di v\u0259 ya dig\u0259r sübutlarla r\u0259smil\u0259\u015fdirilm\u0259si t\u0259r\u0259fl\u0259rin hüquqlar\u0131n\u0131n qorunmas\u0131 bax\u0131m\u0131ndan vacibdir. Dig\u0259r mühüm m\u0259qam is\u0259 f\u0259aliyy\u0259tin xarakteri il\u0259 ba\u011fl\u0131d\u0131r. \u018fg\u0259r \u015f\u0259xs davaml\u0131 v\u0259 sistemli \u015f\u0259kild\u0259 müxt\u0259lif \u015f\u0259xsl\u0259r\u0259 faizl\u0259 borc verirs\u0259, bu f\u0259aliyy\u0259t art\u0131q sahibkarl\u0131q f\u0259aliyy\u0259ti kimi qiym\u0259tl\u0259ndiril\u0259 bil\u0259r. Qanunvericiliy\u0259 \u0259sas\u0259n sahibkarl\u0131q f\u0259aliyy\u0259ti dövl\u0259t qeydiyyat\u0131ndan keçm\u0259kl\u0259 h\u0259yata keçirilm\u0259lidir. \u018fks halda, bel\u0259 f\u0259aliyy\u0259t qanunsuz sahibkarl\u0131q kimi qiym\u0259tl\u0259ndiril\u0259 v\u0259 hüquqi m\u0259suliyy\u0259t yarada bil\u0259r.<\/p>\n

M\u0259hk\u0259m\u0259 t\u0259crüb\u0259sind\u0259n görünür ki, borc ver\u0259n \u015f\u0259xsl\u0259rin davran\u0131\u015flar\u0131nda qanunsuz sahibkarl\u0131q f\u0259aliyy\u0259ti v\u0259 ya dig\u0259r hüquq pozuntular\u0131n\u0131n \u0259lam\u0259tl\u0259ri a\u015fkar edildikd\u0259 m\u0259hk\u0259m\u0259l\u0259r t\u0259r\u0259find\u0259n xüsusi q\u0259rardad q\u0259bul edil\u0259r\u0259k, materiallar prosessual qiym\u0259t verilm\u0259si üçün prokurorluq orqanlar\u0131na gönd\u0259rilir.<\/p>\n

M\u0259lumatda qeyd edilib ki, bu riskl\u0259ri minimuma endirm\u0259k üçün a\u015fa\u011f\u0131dak\u0131 tövsiy\u0259l\u0259r\u0259 \u0259m\u0259l etm\u0259k m\u0259qs\u0259d\u0259uy\u011fundur:<\/p>\n

"Borc münasib\u0259tl\u0259rini mütl\u0259q yaz\u0131l\u0131 müqavil\u0259 il\u0259 r\u0259smil\u0259\u015fdirm\u0259k, müqavil\u0259d\u0259 bütün mühüm \u015f\u0259rtl\u0259ri (m\u0259bl\u0259\u011f, faiz, müdd\u0259t, qaytar\u0131lma qaydas\u0131 v\u0259 s.) ayd\u0131n \u015f\u0259kild\u0259 göst\u0259rm\u0259k, öd\u0259ni\u015fl\u0259ri mümkün q\u0259d\u0259r bank vasit\u0259sil\u0259 h\u0259yata keçirm\u0259k v\u0259 ya dig\u0259r formada s\u0259n\u0259dl\u0259\u015fdirm\u0259k, bu f\u0259aliyy\u0259t müt\u0259madi xarakter da\u015f\u0131y\u0131rsa, onun hüquqi statusunu (sahibkarl\u0131q kimi) qanunvericiliyin t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun düzgün mü\u0259yy\u0259n etm\u0259k.<\/p>\n

N\u0259tic\u0259 olaraq, faizl\u0259 borc verm\u0259k hüquqi bax\u0131mdan mümkündür, lakin bu münasib\u0259tl\u0259rin düzgün qurulmamas\u0131 h\u0259m maliyy\u0259 itkil\u0259rin\u0259, h\u0259m d\u0259 hüquqi m\u0259suliyy\u0259t\u0259 s\u0259b\u0259b ola bil\u0259r. Buna gör\u0259 d\u0259 bel\u0259 \u0259m\u0259liyyatlarda ehtiyatl\u0131 davranmaq v\u0259 mümkün hallarda hüquq\u015fünas m\u0259sl\u0259h\u0259ti almaq tövsiy\u0259 olunur".<\/p>\n","protected":false},"excerpt":{"rendered":"

Ali M\u0259hk\u0259m\u0259 faizl\u0259 borc verm\u0259yin riskl\u0259ri bar\u0259d\u0259 v\u0259t\u0259nda\u015flara x\u0259b\u0259rdarl\u0131q edib. Ucnoqta.az x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 Ali M\u0259hk\u0259m\u0259d\u0259n m\u0259lamt verilib. Ali M\u0259hk\u0259m\u0259nin bununla ba\u011fl\u0131 izah\u0131nda bildirilib ki, faiz müqabilind\u0259 borc verilm\u0259si…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[101],"tags":[],"class_list":["post-242461","post","type-post","status-publish","format-standard","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/242461","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=242461"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/242461\/revisions"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=242461"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=242461"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=242461"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}