{"id":75922,"date":"2019-02-28T15:03:45","date_gmt":"2019-02-28T11:03:45","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=75922","title":{"rendered":"Bu \u015f\u0259xsl\u0259rin kredit borclar\u0131 silindi – Ekspertl\u0259r detallar\u0131 A\u00e7\u0131qlad\u0131<\/b><\/font>"},"content":{"rendered":"

Prezident \u0130lham \u018fliyevin Az\u0259rbaycanda fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda f\u0259rman\u0131na \u0259sas\u0259n güz\u0259\u015ft 10 000 AB\u015e dollar\u0131na q\u0259d\u0259r olan borclara aid olacaq.<\/strong><\/p>\n

Bu sözl\u0259ri iqtisadç\u0131 ekspert Röv\u015f\u0259n A\u011fayev deyib. Ekspert bildirib ki, güz\u0259\u015ft yaln\u0131z 2015-ci ilin 21 fevral v\u0259 21 dekabr devalvasiya q\u0259rarlar\u0131 n\u0259tic\u0259sind\u0259 artm\u0131\u015f m\u0259bl\u0259\u011fl\u0259rin kompensasiyas\u0131 il\u0259 ba\u011fl\u0131 olacaq.
\n“Güz\u0259\u015ft üçün ba\u015flan\u011f\u0131c tarix 2012-ci ilin yanvar\u0131n 1-i, son tarix bu gün – 2019-cu ilin 28 fevral\u0131 götürülür. V\u0259t\u0259nda\u015flar\u0131n 10 000 dollara q\u0259d\u0259r kreditl\u0259rin\u0259 gör\u0259 hesablanm\u0131\u015f bütün faiz borclar\u0131 silin\u0259c\u0259k. 2012-ci il yanvar\u0131n 1-d\u0259n 2015-ci il 21 fevralad\u0259k olan kredit borclar\u0131n\u0131n h\u0259r dollar\u0131 üçün dövl\u0259t büdc\u0259sind\u0259n 25 q\u0259pik dövl\u0259t büdc\u0259sind\u0259n öd\u0259nil\u0259c\u0259k. 2015-ci il 21 fevral\u0131ndan 21 dekabr\u0131nad\u0259k veril\u0259n dollar kreditl\u0259rinin h\u0259r dollar\u0131 üçün 60 q\u0259pik dövl\u0259t büdc\u0259sind\u0259n öd\u0259nil\u0259c\u0259k.<\/p>\n

Dövl\u0259t büdc\u0259si hesab\u0131na bu sxem üzr\u0259 kompensasiya öd\u0259ni\u015f müdd\u0259ti 360 günü ötdüyü halda banklara öd\u0259nir, \u0259g\u0259r h\u0259min müdd\u0259ti keçm\u0259yibs\u0259 bilavasit\u0259 v\u0259t\u0259nda\u015f\u0131n özün\u0259 çatd\u0131rl\u0131r. Devalvasiya n\u0259tic\u0259sind\u0259 borcun artan hiss\u0259si v\u0259 hesablanm\u0131\u015f faiz hiss\u0259si dövl\u0259t büdc\u0259sind\u0259n öd\u0259ndikd\u0259n sonra yerd\u0259 qalan hiss\u0259 restruktruzasiya edil\u0259c\u0259k – y\u0259ni \u015f\u0259rtl\u0259r d\u0259yi\u015fdiril\u0259c\u0259k. M\u0259s\u0259l\u0259n, 2015-cü ilin yanvar\u0131nda v\u0259t\u0259nda\u015f 0.78 manat m\u0259z\u0259nn\u0259 il\u0259 5000 dollar borc götürüb. H\u0259min tarix üçün onun manatla borcu 3950 manat olmu\u015fdusa, 21 dekabr 2015-ci ild\u0259 art\u0131q 7750 manat olub. Bel\u0259 v\u0259ziyy\u0259td\u0259 m\u0259z\u0259nn\u0259 d\u0259yi\u015fikliyi n\u0259tic\u0259sind\u0259 z\u0259r\u0259ri qar\u015f\u0131lamaq üçün 5000 dollara gör\u0259 3000 manat (h\u0259r dollar üçün 60 q\u0259pik) büdc\u0259 kompensasiyas\u0131 öd\u0259nil\u0259c\u0259k”.<\/p>\n

\nEkspert bildirib ki, devalvasiya n\u0259tic\u0259sind\u0259 artan hiss\u0259 öd\u0259ndikd\u0259n sonra yerd\u0259 qalan borclar\u0131 öd\u0259m\u0259k üçün v\u0259t\u0259nda\u015flara manatla yenid\u0259n hesablanm\u0131\u015f borclar\u0131 ödm\u0259k üçün 1 il güz\u0259\u015ft müdd\u0259ti olmaqla 5 illiy\u0259 illik 1%-l\u0259 banklar t\u0259r\u0259find\u0259n kredit x\u0259tti aç\u0131lacaq. Bu m\u0259qs\u0259dl\u0259 M\u0259rk\u0259zi Bank da banklara illik 0.5%-l\u0259 ümumi h\u0259cmi 682 mln. manat kredit x\u0259tti açmas\u0131 n\u0259z\u0259rd\u0259 tutulur.<\/p>\n

Prezidentin bu f\u0259rman\u0131 \u0259sas borcu 10 min dollara q\u0259d\u0259r olan kreditl\u0259r\u0259 \u015famil edilir v\u0259 bir n\u0259f\u0259r\u0259 ümumi yard\u0131m\u0131n m\u0259bl\u0259\u011fi 5 min dollar\u0131 keçm\u0259y\u0259c\u0259k. Bu sözl\u0259ri Axar.az-a Prezident \u0130lham \u018fliyevin fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda f\u0259rman\u0131n\u0131 \u015f\u0259rh ed\u0259n iqtisadç\u0131 Natiq C\u0259f\u0259rli deyib. O bildirib ki, ilkin olaraq f\u0259rman ancaq fiziki \u015f\u0259xsl\u0259r\u0259 v\u0259 dollarla krediti olan \u015f\u0259xsl\u0259r\u0259 aid edilir:<\/p>\n

“Bu f\u0259rman ancaq devalvasiya n\u0259tic\u0259sind\u0259 d\u0259ymi\u015f ziyan\u0131n öd\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 dövl\u0259tin öz üz\u0259rin\u0259 mü\u0259yy\u0259n öhd\u0259lik götürm\u0259sidir. Formul olaraq iki \u0259sas ana x\u0259tt var. Birincisi, kreditl\u0259rin ana m\u0259bl\u0259\u011fi, y\u0259ni ilkin götürülmü\u015f m\u0259bl\u0259\u011f 10 min dollardan çox olmayan kreditl\u0259r\u0259 aid edilir. Y\u0259ni f\u0259rman 10 min dollara q\u0259d\u0259r kredit götürmü\u015f v\u0259t\u0259nda\u015flara aid edilir. \u0130kincisi, öd\u0259nil\u0259c\u0259k yard\u0131m\u0131n – d\u0259ymi\u015f ziyan\u0131n kompensasiyas\u0131 da 5 min dollar\u0131 keçm\u0259m\u0259lidir. Y\u0259ni f\u0259rman götürdüyü kreditin m\u0259bl\u0259\u011fi – \u0259sas borcu – 10 min dollardan yuxar\u0131 olan v\u0259t\u0259nda\u015flara aid edilmir v\u0259 borclar\u0131n faizl\u0259rl\u0259 5 min dollarl\u0131q hiss\u0259si dövl\u0259t t\u0259r\u0259find\u0259n öd\u0259nilir. Formul olaraq 0,78 – 0,79 m\u0259z\u0259nn\u0259 il\u0259 götürül\u0259n kreditl\u0259r xat\u0131rlay\u0131rs\u0131n\u0131zsa, birinci devalvasiyaya q\u0259d\u0259r 1,05 q\u0259pik oldu. Bunun da ana borcu qal\u0131b, y\u0259ni götürül\u0259n ana borc 0,78 m\u0259z\u0259n\u0259 il\u0259 öd\u0259nilm\u0259lidir. Ancaq devalvasiya n\u0259tic\u0259sind\u0259 manatla artan borc t\u0259qrib\u0259n 25 q\u0259pik olub. Bu 25 q\u0259pik dövl\u0259t t\u0259r\u0259find\u0259n öd\u0259nil\u0259c\u0259k”.<\/p>\n

Ekspert birinci devalvasiyadan sonra, ikinci devalvasiyaya q\u0259d\u0259r olan kredit borclar\u0131na da ayd\u0131nl\u0131q g\u0259tirib:
\n“Bu zaman r\u0259smi m\u0259z\u0259nn\u0259 1,55 q\u0259pik oldu. Birinci devalvasiya il\u0259 ikinci devalvasiya aras\u0131nda 10 min dollara q\u0259d\u0259r kredit götürmü\u015f v\u0259t\u0259nda\u015flar\u0131n m\u0259z\u0259nn\u0259 f\u0259rqi – y\u0259ni 60 q\u0259piyi yen\u0259 dövl\u0259t t\u0259r\u0259find\u0259n öd\u0259nil\u0259c\u0259k. Y\u0259ni ana borc 1,05 q\u0259pikd\u0259n öd\u0259nil\u0259c\u0259k, m\u0259z\u0259nn\u0259d\u0259n yaranan borc – 60 q\u0259piklik hiss\u0259ni is\u0259 dövl\u0259t öz üz\u0259rin\u0259 götür\u0259c\u0259k. Ancaq burada yen\u0259 v\u0259t\u0259nda\u015fa edil\u0259c\u0259k yard\u0131m\u0131n m\u0259bl\u0259\u011fi 5 min dollar\u0131 keçm\u0259m\u0259lidir. Bunun üçün dövl\u0259t büdc\u0259sind\u0259n v\u0259t\u0259nda\u015flar\u0131n borclar\u0131n\u0131 öd\u0259m\u0259k üçün banklara v\u0259 kredit t\u0259\u015fkilatlar\u0131na t\u0259qrib\u0259n 900 milyon manata yax\u0131n v\u0259sait ayr\u0131lacaq. Bu borc yaln\u0131z fiziki \u015f\u0259xsl\u0259r\u0259, 1 v\u0259 2-ci devalvasiyadan sonra valyuta il\u0259 götürülmü\u015f kreditl\u0259r\u0259 aid edil\u0259c\u0259k. \u0130kinci devalvasiyadan sonra valyuta il\u0259 götürülmü\u015f kreditl\u0259r\u0259 is\u0259 bu f\u0259rman aid edilmir. Y\u0259ni ikinci devalvasiyadan sonra kredit götür\u0259nl\u0259r borclar\u0131n\u0131 h\u0259min m\u0259z\u0259nn\u0259 il\u0259 v\u0259 indiki \u015f\u0259rtl\u0259rl\u0259 d\u0259 geri qaytaracaq”.\/publika.az<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Prezident \u0130lham \u018fliyevin Az\u0259rbaycanda fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda f\u0259rman\u0131na \u0259sas\u0259n güz\u0259\u015ft 10 000 AB\u015e dollar\u0131na q\u0259d\u0259r olan borclara aid olacaq. Bu sözl\u0259ri iqtisadç\u0131 ekspert…<\/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-75922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/75922","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=75922"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/75922\/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=75922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=75922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=75922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}