{"id":77742,"date":"2019-04-08T10:32:29","date_gmt":"2019-04-08T06:32:29","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=77742","title":{"rendered":"Problemli krediti \u00f6d\u0259y\u0259n zaminl\u0259rin Diqq\u0259tin\u0259- Ekspert<\/b><\/font>"},"content":{"rendered":"

Problemli kreditl\u0259r\u0259 kompensasiyalar\u0131n verilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259qdim olunan mexanizmd\u0259n sonra bir s\u0131ra m\u0259s\u0259l\u0259l\u0259rin yenid\u0259n n\u0259z\u0259r\u0259 al\u0131nmas\u0131n\u0131 vacib hesab edirik.<\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 \u0130qtisadç\u0131 ekspert Vüqar Bayramov bildirib. Onun sözl\u0259rin\u0259 gör\u0259, kredit öhd\u0259liyini yerin\u0259 yetirmi\u015f zaminl\u0259r\u0259 kompensasiyan\u0131n öd\u0259nilm\u0259si mexanizminin t\u0259kmill\u0259\u015fdirilm\u0259sin\u0259 ehtiyac var. Qaydalara \u0259sas\u0259n, kredit götür\u0259n \u015f\u0259xs borcu qaytarmaqdan imtina edib v\u0259 zamin öhd\u0259liyi yerin\u0259 yetirdiyi hallarda v\u0259sait zamin\u0259 öd\u0259nilm\u0259lidir.<\/p>\n

Qaydalara gör\u0259, “kompensasiyalar kredit t\u0259\u015fkilat\u0131n\u0131n mü\u015ft\u0259risi olan \u015f\u0259xsl\u0259r\u0259 hesablan\u0131r. Zamin öd\u0259diyi kredit öhd\u0259liyi h\u0259cmind\u0259 borcalandan Mülki M\u0259c\u0259ll\u0259y\u0259 müvafiq olaraq pulun geri öd\u0259nilm\u0259sini t\u0259l\u0259b etm\u0259k hüququ vard\u0131r”. Son ill\u0259r öd\u0259ni\u015fl\u0259rin h\u0259mçinin öd\u0259ni\u015f terminallar\u0131 vasit\u0259si il\u0259 d\u0259 apar\u0131ld\u0131\u011f\u0131n\u0131 n\u0259z\u0259r\u0259 alsaq kompensasiyan\u0131n ünvanl\u0131\u011f\u0131 xeyili mür\u0259kk\u0259bl\u0259\u015fir. Amma mövcud öd\u0259ni\u015f mexanizmi zaminin h\u0259min v\u0259saiti almas\u0131na ç\u0259tinlik yarada bil\u0259r.<\/p>\n

Bel\u0259 ki, h\u0259min v\u0259saitin zamin\u0259 öd\u0259nilm\u0259si üçün borcun onun t\u0259r\u0259find\u0259n öd\u0259nildiyini t\u0259sdiq ed\u0259n m\u0259hk\u0259m\u0259 q\u0259rar\u0131na ehtiyac var. Dem\u0259li, borcu qaytarm\u0131\u015f zamin kompensasiyan\u0131 almaq üçün m\u0259hk\u0259m\u0259y\u0259 müraci\u0259t etm\u0259lidir v\u0259 bundan sonra m\u0259hk\u0259m\u0259 onun xeyirin\u0259 q\u0259rar q\u0259bul ed\u0259rs\u0259 ona v\u0259sait öd\u0259nil\u0259 bil\u0259r. Kompensasiyalar bu ay\u0131n\u0131n sonundan ba\u015flayaraq öd\u0259nil\u0259c\u0259k v\u0259 zamin m\u0259hk\u0259m\u0259y\u0259 müraci\u0259t etdiyi halda q\u0259rar\u0131n al\u0131nmas\u0131 bir aydan çox zaman alacaq.<\/p>\n

N\u0259tic\u0259d\u0259, zamin m\u0259hk\u0259m\u0259 q\u0259rar\u0131n\u0131 alanad\u0259k kompensasiya krediti götür\u0259n, amma borcu qaytarmaqdan imtina ed\u0259n \u015f\u0259xsin hesab\u0131na köçürül\u0259 bil\u0259r. Bu is\u0259 o dem\u0259kdir ki, m\u0259hk\u0259m\u0259 q\u0259rar\u0131 olsa da bel\u0259 v\u0259sait q\u0259rardan önc\u0259 öd\u0259nil\u0259c\u0259k v\u0259 n\u0259tic\u0259d\u0259 zamin pul ala bilm\u0259y\u0259c\u0259k. Amma kredit götürüb x\u0259rcl\u0259yib v\u0259 onu ba\u015fqas\u0131na öd\u0259tdir\u0259n \u015f\u0259xs h\u0259tta kompensasiya da alacaq. M\u0259s\u0259l\u0259n, bir v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n 8 min dollar kredit borcu olub v\u0259 onu öd\u0259m\u0259kd\u0259n imtina etdiyi üçün krediti zamin qaytarmal\u0131 olub.<\/p>\n

Haz\u0131rda h\u0259min borca 4 min manat kompensasiya hesablan\u0131b. Kredit onu qaytaran\u0131n deyil götürüb x\u0259rcl\u0259y\u0259nin ad\u0131na oldu\u011fu üçün onun hesab\u0131na kompensasiya öd\u0259nil\u0259c\u0259k. Bununla da, zamin m\u0259hk\u0259m\u0259 q\u0259rar\u0131 alanad\u0259k art\u0131q krediti qaytarmayan \u015f\u0259xs kompensasiyan\u0131 alm\u0131\u015f olacaq v\u0259 bununla da öhd\u0259liyi yerin\u0259 yetir\u0259n \u015f\u0259xs v\u0259saitd\u0259n m\u0259rhum olacaq. N\u0259 t\u0259klif edirik? Kredit borcunu öd\u0259mi\u015f zaminl\u0259r\u0259 m\u0259hk\u0259m\u0259y\u0259 müraci\u0259t etm\u0259k üçün zaman mü\u0259yy\u0259nl\u0259\u015fdirilsin v\u0259 m\u0259hk\u0259m\u0259y\u0259 müraci\u0259t edil\u0259n kredit borclar\u0131 üzr\u0259 kompensasiya q\u0259rardan sonra h\u0259yata keçirilsin.<\/p>\n

M\u0259s\u0259l\u0259n, zamin kompensasiya almaq üçün m\u0259hk\u0259m\u0259y\u0259 müraci\u0259t edir v\u0259 bu m\u0259lumat Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 il\u0259 elektron bölü\u015fdürülür. Bundan sonra palata h\u0259min kreditl\u0259r üzr\u0259 kompensasiya öd\u0259ni\u015finin yaln\u0131z m\u0259hk\u0259m\u0259 q\u0259rar\u0131ndan sonra f\u0259rdi qaydada h\u0259yata keçirilm\u0259sini t\u0259min edir. Yaln\u0131z bu halda kompensasiya krediti öd\u0259mi\u015f zamin\u0259 çata bil\u0259r. \u018fks halda zaminin h\u0259min v\u0259saiti almaq imkanlar\u0131 xeyili ç\u0259tin olacaq.<\/p>\n

2<\/strong>. \u015ei\u015firdilmi\u015f faiz borclar\u0131 silindikd\u0259n sonra kompensasiya öd\u0259ni\u015fi h\u0259yata keçirilsin. B\u0259zi banklar kredit borcu olan \u015f\u0259xsin ad\u0131na böyük m\u0259bl\u0259\u011fd\u0259 c\u0259rim\u0259 v\u0259 faizl\u0259r yaz\u0131blar. Apard\u0131\u011f\u0131m\u0131z t\u0259dqiqatlar göst\u0259rir ki, bir s\u0131ra hallarda v\u0259t\u0259nda\u015f borcunu ba\u011flay\u0131b amma bank onun ad\u0131na faiz v\u0259 c\u0259rim\u0259 hesablamaqda davam edib. N\u0259tic\u0259d\u0259 h\u0259min \u015f\u0259xsin hesab\u0131nda böyük m\u0259bl\u0259\u011fd\u0259 faiz toplan\u0131b.<\/p>\n

M\u0259s\u0259l\u0259n, bank v\u0259t\u0259nda\u015f\u0131n ad\u0131na 4 min manat \u0259sass\u0131z faiz borcu yaz\u0131b v\u0259 h\u0259min \u015f\u0259xs\u0259 çatan kompensasiya 3500 manatd\u0131r. Bu halda o \u015f\u0259xs\u0259 çatacaq kompensasiya bank\u0131n qanunsuz hesablad\u0131\u011f\u0131 faiz v\u0259 c\u0259rim\u0259l\u0259rin öd\u0259nilm\u0259sin\u0259 yön\u0259ldilir v\u0259 v\u0259t\u0259nda\u015f kompensasiya m\u0259rhum olur. N\u0259 t\u0259klif edirik? \u018fsas m\u0259bl\u0259\u011fi kiçik olan v\u0259 ya olmayan amma yüks\u0259k faiz borclar\u0131 olan kreditl\u0259rin f\u0259rdi qaydada qiym\u0259tl\u0259ndirilm\u0259si h\u0259yata keçirilsin. \u018fg\u0259r kredit x\u0259tti üzr\u0259 500 manat \u0259sas m\u0259bl\u0259\u011f 3500 manat \u015fi\u015firdilmi\u015f faiz öd\u0259ni\u015fl\u0259ri varsa o zaman art\u0131q hesablanm\u0131\u015f faizl\u0259r silindikd\u0259n sonra qal\u0131q borc kompensasiya il\u0259 müqayis\u0259 olunsun. Kompensasiya üzr\u0259 art\u0131q m\u0259bl\u0259\u011f v\u0259t\u0259nda\u015fa öd\u0259nilsin.<\/p>\n

3<\/strong>. Bir s\u0131ra banklarda \u015f\u0259ffafl\u0131\u011f\u0131n gücl\u0259ndirilm\u0259si üçün yeni qaydalar t\u0259tbiq olunsu. T\u0259hlill\u0259r b\u0259zi banklarda idar\u0259etm\u0259nin \u015f\u0259ffaf olmad\u0131\u011f\u0131n\u0131 üz\u0259 ç\u0131xar\u0131r. M\u0259s\u0259l\u0259n, \u015f\u0259xsiyy\u0259t v\u0259siq\u0259sinin nömr\u0259si olan s\u0259n\u0259dd\u0259ki ad il\u0259 kredit götür\u0259nin ad\u0131 uy\u011fun g\u0259lmir v\u0259 s. Bu da n\u0259tic\u0259d\u0259 bir s\u0131ra kredit m\u0259bl\u0259\u011fl\u0259rinin hesablanmas\u0131nda ç\u0259tinlikl\u0259r yarad\u0131r v\u0259 kompensasiya m\u0259bl\u0259\u011finin mü\u0259yy\u0259nl\u0259\u015fdirilm\u0259si ç\u0259tinl\u0259\u015fdirir.<\/p>\n

N\u0259 t\u0259klif edirik? Palata t\u0259r\u0259find\u0259n banklarda koperativ idar\u0259etm\u0259nin formala\u015fmas\u0131 v\u0259 \u015f\u0259ffafl\u0131\u011f\u0131n gücl\u0259ndirilm\u0259si m\u0259qs\u0259di il\u0259 ayr\u0131ca qaydalar haz\u0131rlan\u0131b t\u0259sdiq edilsin. Bu qaydalar\u0131n icras\u0131na n\u0259zar\u0259t gücl\u0259ndirilsin.<\/p>\n","protected":false},"excerpt":{"rendered":"

Problemli kreditl\u0259r\u0259 kompensasiyalar\u0131n verilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259qdim olunan mexanizmd\u0259n sonra bir s\u0131ra m\u0259s\u0259l\u0259l\u0259rin yenid\u0259n n\u0259z\u0259r\u0259 al\u0131nmas\u0131n\u0131 vacib hesab edirik. Ucnoqta.az x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 \u0130qtisadç\u0131 ekspert Vüqar Bayramov bildirib. Onun…<\/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":[101],"tags":[],"class_list":["post-77742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/77742","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=77742"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/77742\/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=77742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=77742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=77742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}