{"id":244910,"date":"2026-06-09T13:29:09","date_gmt":"2026-06-09T09:29:09","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=244910","title":{"rendered":"Etibarnam\u0259 il\u0259 ma\u015f\u0131n s\u00fcr\u0259nl\u0259rin n\u0259z\u0259rin\u0259:"},"content":{"rendered":"

T\u0259crüb\u0259d\u0259 etibarnam\u0259 \u0259sas\u0131nda avtomobili bir neç\u0259 \u015f\u0259xsin idar\u0259 etm\u0259si hallar\u0131 geni\u015f yay\u0131l\u0131b. Bundan ba\u015fqa, n\u0259qliyyat vasit\u0259sinin alq\u0131-satq\u0131s\u0131n\u0131n da etibarnam\u0259 \u0259sas\u0131nda apar\u0131lmas\u0131 az deyil.<\/strong><\/p>\n

Ucnoqta.az Qafqazinfo-ya istinad\u0259n x\u0259b\u0259r verir ki, son ill\u0259r h\u0259tta q\u0259za tör\u0259tmi\u015f sürücül\u0259rin növb\u0259ti ild\u0259 yüks\u0259k m\u0259bl\u0259\u011fd\u0259 s\u0131\u011forta haqq\u0131 öd\u0259m\u0259kd\u0259n yay\u0131nmaq üçün ma\u015f\u0131n\u0131 dig\u0259r \u015f\u0259xsl\u0259r\u0259 etibarnam\u0259 verm\u0259kl\u0259 onlar\u0131n ad\u0131ndan avto-icbari s\u0131\u011forta etdirm\u0259l\u0259rin\u0259 d\u0259 rast g\u0259linir.<\/p>\n

Ancaq görün\u0259n odur ki, bundan sonra ba\u015fqas\u0131na etibarnam\u0259 ver\u0259nl\u0259r v\u0259 ya etibarnam\u0259 \u0259sas\u0131nda avtomobil idar\u0259 ed\u0259nl\u0259r bu bar\u0259d\u0259 bir daha dü\u015fünm\u0259li olacaqlar.<\/p>\n

Bel\u0259 ki, M\u0259rk\u0259zi Bank\u0131n müvafiq d\u0259yi\u015fikliyin\u0259 \u0259sas\u0259n, s\u0131\u011forta müqavil\u0259si ba\u011flanan zaman n\u0259qliyyat vasit\u0259sini qanunvericiliy\u0259 uy\u011fun olaraq idar\u0259 etm\u0259k hüququ olan \u015f\u0259xsl\u0259rin say\u0131 bird\u0259n art\u0131q olduqda, h\u0259min \u015f\u0259xsl\u0259r aras\u0131nda \u0259n yüks\u0259k risk\u0259 malik \u015f\u0259xsin S\u0131\u011forta Tarixç\u0259si \u018fmsal\u0131 t\u0259tbiq olunacaq.<\/p>\n

Y\u0259ni avtomobil üzr\u0259 ba\u015fqa \u015f\u0259xsl\u0259r\u0259 etibarnam\u0259 verilibs\u0259, bu zaman onu s\u0131\u011forta etdir\u0259rk\u0259n t\u0259kc\u0259 h\u0259min \u015f\u0259xsin yox, etibarnam\u0259si olan dig\u0259r \u015f\u0259xsl\u0259rin d\u0259 s\u0131\u011forta tarixç\u0259si n\u0259z\u0259r\u0259 al\u0131nacaq. N\u0259tic\u0259d\u0259 s\u0131\u011forta etdir\u0259n q\u0259za tör\u0259tmi\u015f olmasa da, avtomobili idar\u0259 etm\u0259k hüququ olan dig\u0259r \u015f\u0259xsl\u0259r\u0259 gör\u0259 s\u0131\u011forta haqq\u0131 yüks\u0259k ola bil\u0259r. H\u0259mçinin q\u0259za tör\u0259tmi\u015f \u015f\u0259xs dig\u0259rin\u0259 etibarnam\u0259 verm\u0259kl\u0259 yüks\u0259k m\u0259bl\u0259\u011fd\u0259 s\u0131\u011forta haqq\u0131 öd\u0259m\u0259kd\u0259n yay\u0131na bilm\u0259y\u0259c\u0259k. Bel\u0259likl\u0259, avtomobili idar\u0259 etm\u0259k hüququ olan \u015f\u0259xsl\u0259rd\u0259n yüks\u0259k riskli olan\u0131n s\u0131\u011forta tarixç\u0259sin\u0259 uy\u011fun s\u0131\u011forta haqq\u0131 mü\u0259yy\u0259n edil\u0259c\u0259k.<\/p>\n

Qaydaya gör\u0259, avtomobili 2 v\u0259 ya daha çox \u015f\u0259xsin idar\u0259 etm\u0259k hüququnun mövcudlu\u011fu mülkiyy\u0259t hüququnu t\u0259sdiq ed\u0259n s\u0259n\u0259d, icar\u0259 v\u0259 ya dig\u0259r \u0259\u015fya hüquqlar\u0131na dair müqavil\u0259, habel\u0259 n\u0259qliyyat vasit\u0259l\u0259rinin istifad\u0259 edilm\u0259si v\u0259 ya ona s\u0259r\u0259ncam verilm\u0259si hüquqlar\u0131 il\u0259 ba\u011fl\u0131 etibarnam\u0259 \u0259sas\u0131nda mü\u0259yy\u0259n olunur. Y\u0259ni etibarnam\u0259 il\u0259 yana\u015f\u0131, qeyd edil\u0259n dig\u0259r s\u0259n\u0259dl\u0259r d\u0259 avtomobili 2 v\u0259 ya daha çox \u015f\u0259xsin idar\u0259 etm\u0259si dem\u0259kdir. Bu da s\u0131\u011forta haqq\u0131n\u0131n hesablanmas\u0131nda n\u0259z\u0259r\u0259 al\u0131nacaq.<\/p>\n

Yeri g\u0259lmi\u015fk\u0259n, d\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, mövcud "Bonus-Malus” sistemi f\u0259rdi s\u0131\u011forta tarixç\u0259sin\u0259 \u0259saslanan S\u0131\u011forta Tarixç\u0259si \u018fmsal\u0131 il\u0259 \u0259v\u0259z olunacaq. Bu mexanizm\u0259 \u0259sas\u0259n, üçüncü \u015f\u0259xsl\u0259rin s\u0259hh\u0259tin\u0259 v\u0259 \u0259mlak\u0131na z\u0259r\u0259r vurulan zaman z\u0259r\u0259r vuran \u015f\u0259xsl\u0259rin s\u0131\u011forta haqlar\u0131na h\u0259r z\u0259r\u0259r vurduqlar\u0131 hadis\u0259y\u0259 gör\u0259 30 faiz \u0259lav\u0259 t\u0259tbiq olunacaq.<\/p>\n

Haz\u0131rda qüvv\u0259d\u0259 olan qaydaya gör\u0259, s\u0131\u011forta haqq\u0131 hesablanark\u0259n avton\u0259qliyyat vasit\u0259sini yaln\u0131z bir \u015f\u0259xsin idar\u0259 etm\u0259k hüququ olduqda 1, iki v\u0259 ya daha çox \u015f\u0259xsin idar\u0259 etm\u0259k hüququ olduqda 1.15 \u0259msal t\u0259tbiq edilir. D\u0259yi\u015fiklik qüvv\u0259y\u0259 min\u0259nd\u0259n sonra avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin say\u0131 be\u015f v\u0259 ya daha çox olduqda 1.15 \u0259msal t\u0259tbiq edil\u0259c\u0259k. Bu saydan az olduqda is\u0259 1 \u0259msal t\u0259tbiq olunacaq.<\/p>\n

Qeyd ed\u0259k ki, yeni qayda 16 iyun 2026-c\u0131 ild\u0259n qüvv\u0259y\u0259 minir.<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u0259crüb\u0259d\u0259 etibarnam\u0259 \u0259sas\u0131nda avtomobili bir neç\u0259 \u015f\u0259xsin idar\u0259 etm\u0259si hallar\u0131 geni\u015f yay\u0131l\u0131b. Bundan ba\u015fqa, n\u0259qliyyat vasit\u0259sinin alq\u0131-satq\u0131s\u0131n\u0131n da etibarnam\u0259 \u0259sas\u0131nda apar\u0131lmas\u0131 az deyil. Ucnoqta.az Qafqazinfo-ya istinad\u0259n x\u0259b\u0259r verir ki, son…<\/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":[99],"tags":[],"class_list":["post-244910","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avto"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/244910","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=244910"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/244910\/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=244910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=244910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=244910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}