{"id":80673,"date":"2019-05-29T13:40:43","date_gmt":"2019-05-29T09:40:43","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=80673","title":{"rendered":"Problemli kreditl\u0259rl\u0259 ba\u011fl\u0131 kompensasiyan\u0131n \u00f6d\u0259nilm\u0259si VAXTI B\u0130T\u0130R- ala bilm\u0259y\u0259nl\u0259r N\u018f ETS\u0130N?<\/b><\/font>"},"content":{"rendered":"

Bu h\u0259ft\u0259 b\u0259zi problemli kreditl\u0259rl\u0259 ba\u011fl\u0131 kompensasiyalar\u0131n öd\u0259nilm\u0259si müdd\u0259ti ba\u015fa çat\u0131r. <\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisadç\u0131 ekspert Vüqar Bayramov sosial \u015f\u0259b\u0259k\u0259 hesab\u0131nda yaz\u0131b. Ekspert bununla ba\u011fl\u0131 \u0259n çox veril\u0259n yeddi sual\u0131 cavabland\u0131r\u0131b:<\/p>\n

1.<\/strong> Bu h\u0259ft\u0259 kompensasiya ala bilm\u0259y\u0259nl\u0259r sonrak\u0131 aylarda bu güz\u0259\u015ftl\u0259rd\u0259n istifad\u0259 ed\u0259 bil\u0259c\u0259kl\u0259rmi? <\/em>
\nKompensasiya almaq hüququ olan, amma f\u0259rqli, o cüml\u0259d\u0259n, texniki s\u0259b\u0259bl\u0259rd\u0259n pullar\u0131n\u0131 ala bilm\u0259y\u0259nl\u0259r may ay\u0131ndan sonra da bu imkandan istifad\u0259 ed\u0259 bil\u0259c\u0259kl\u0259r. M\u0259s\u0259l\u0259n, v\u0259t\u0259nda\u015fa 1500 manat kompensasiya hesablan\u0131b, amma o h\u0259l\u0259 d\u0259 almay\u0131b v\u0259 kompensasiyalar\u0131n verilm\u0259si müdd\u0259ti iki günd\u0259n sonra ba\u015fa çat\u0131r.<\/p>\n

Bu halda v\u0259t\u0259nda\u015f\u0131m\u0131z may ay\u0131nda kompensasiya ala bilm\u0259s\u0259 d\u0259, ona v\u0259sait hesabland\u0131\u011f\u0131 üçün növb\u0259ti aylarda bu imkandan yararlana bil\u0259c\u0259k. O bax\u0131mdan, may ay\u0131nda kompensasiya ala bilm\u0259y\u0259nl\u0259r, amma bu hüququ olanlar üçün v\u0259sait öd\u0259ni\u015fi h\u0259yata keçiril\u0259c\u0259k.<\/p>\n

2<\/strong>. Problemli kreditl\u0259rin restrukturizasiyas\u0131 n\u0259 üçün yuban\u0131r? <\/em>
\nKompensasiyalar\u0131n sür\u0259tli verilm\u0259sin\u0259 r\u0259\u011fm\u0259n, problemli kreditl\u0259rin restrukturizasiyas\u0131 prosesi nisb\u0259t\u0259n gec ba\u015flay\u0131b. 600 mind\u0259n art\u0131q v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n kompensasiya hüququ yaran\u0131b v\u0259 300 min\u0259d\u0259k v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n problemli kreditl\u0259ri restrukturizasiya olunacaq.<\/p>\n

Bu bax\u0131mdan, birinci m\u0259rh\u0259l\u0259d\u0259 diqq\u0259t kompensasiyalar\u0131n verilm\u0259sin\u0259 yön\u0259ldildi v\u0259 g\u0259l\u0259n aydan etibar\u0259n problemli kreditl\u0259rin restrukturizasiyas\u0131 daha intensiv h\u0259yata keçiril\u0259c\u0259k. O bax\u0131mdan, krediti restrukturizasiya olunacaq, amma h\u0259l\u0259 d\u0259 bu güz\u0259\u015ftd\u0259n istifad\u0259 ed\u0259 bilm\u0259y\u0259nl\u0259r g\u0259l\u0259n aydan etibar\u0259n güz\u0259\u015ftli kredit \u015f\u0259rtl\u0259ri \u0259ld\u0259 ed\u0259c\u0259kl\u0259r.<\/p>\n

3.<\/strong> Restrukturizasiya olunan kreditl\u0259rd\u0259 zaminliy\u0259 xitam veril\u0259c\u0259kmi? <\/em>
\nFiziki \u015f\u0259xsin kredit borcunun \u0259sas m\u0259bl\u0259\u011fi 17 min manatdan azd\u0131rsa v\u0259 h\u0259min x\u0259tt üzr\u0259 gecikm\u0259 müdd\u0259ti 360 günd\u0259n çoxdursa, h\u0259min \u015f\u0259xsl\u0259r\u0259 restrukturizasiya prosesl\u0259ri ç\u0259rçiv\u0259sind\u0259, gecikm\u0259d\u0259 olan kreditini ba\u011flamaq m\u0259qs\u0259dil\u0259 be\u015f il müdd\u0259tin\u0259 (bir il güz\u0259\u015ft müdd\u0259ti il\u0259) 1% d\u0259r\u0259c\u0259si il\u0259 yeni kredit t\u0259klif olunur.<\/p>\n

H\u0259m Mülki M\u0259c\u0259ll\u0259nin 477-ci madd\u0259sin\u0259, h\u0259m d\u0259 yeni mexanizm\u0259 gör\u0259 kredit \u015f\u0259rtl\u0259ri d\u0259yi\u015fdirildikd\u0259 zaminlik hüququna xitam verilir. Bu is\u0259 o dem\u0259kdir ki, \u0259g\u0259r bank kredit x\u0259ttinin restrukturizasiya olunmas\u0131 bar\u0259d\u0259 q\u0259rar ver\u0259rs\u0259 v\u0259 yeni müqavil\u0259 ba\u011flanarsa, o zaman \u0259vv\u0259lki kreditd\u0259 zamin duranlar\u0131n zaminliyin\u0259 xitam verilir. Y\u0259ni problemli kreditd\u0259 zamin olanlar yeni restrukturizasiya olunan kreditd\u0259 art\u0131q zamin olmayacaqlar. Sad\u0259c\u0259, burada bir m\u0259qam var ki, bank yeni kredit müqavil\u0259sind\u0259 köhn\u0259 zaminin qalmas\u0131n\u0131 ist\u0259y\u0259rs\u0259 v\u0259 zamin bundan imtina ed\u0259rs\u0259, o zaman bank restrukturizasiya müqavil\u0259si ba\u011flamaya bil\u0259r.<\/p>\n

Bu halda problemli kredit mövcud \u015f\u0259rtl\u0259rl\u0259 davam ed\u0259c\u0259k. Buna gör\u0259 d\u0259 yeni müqavil\u0259d\u0259 zamin olmamas\u0131 v\u0259 ya yeni zaminl\u0259 anla\u015fma imzalanmas\u0131 üçün bank\u0131n raz\u0131l\u0131\u011f\u0131na ehtiyac var. Amma \u0259g\u0259r zamin oldu\u011funuz kredit müqavil\u0259si art\u0131q restruktrizasiya olunubsa v\u0259 zaminl\u0259 \u0259laq\u0259 saxlan\u0131lmay\u0131bsa, bu halda h\u0259min zaminliy\u0259 xitam verilmi\u015f hesab olunur.<\/p>\n

4.<\/strong> Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n yan\u0131nda formala\u015fd\u0131r\u0131lan Apellyasiya Komissiyas\u0131na müraci\u0259tl\u0259r\u0259 n\u0259 zaman cavab veril\u0259c\u0259k? <\/em><\/p>\n

Qaydalara \u0259sas\u0259n, apellyasiya müraci\u0259tl\u0259rin\u0259 30 i\u015f günü \u0259rzind\u0259 cavab verilm\u0259lidir. Bu is\u0259 t\u0259xmin\u0259n bir ay yar\u0131mdan çox zaman al\u0131r. Bu bax\u0131mdan, müraci\u0259td\u0259n sonra i\u015f günl\u0259rinin say\u0131n\u0131 hesablamaqla komissiyan\u0131n n\u0259 zaman müraci\u0259ti cavabland\u0131raca\u011f\u0131n\u0131 mü\u0259yy\u0259nl\u0259\u015fdirm\u0259k olar.<\/p>\n

5.<\/strong> Bu ay kompensasiyalar\u0131n verilm\u0259si ba\u015fa çat\u0131r. Apellyasiya Komissiyas\u0131n\u0131n müsb\u0259t cavab verdiyi müraci\u0259tl\u0259r üzr\u0259 v\u0259sait öd\u0259ni\u015fi nec\u0259 h\u0259yata keçiril\u0259c\u0259k?<\/em>
\nKompensasiyalar\u0131n verilm\u0259si müdd\u0259tinin ba\u015fa çatmas\u0131na baxmayaraq, Az\u0259rbaycan Prezidentinin imzalad\u0131\u011f\u0131 f\u0259rman\u0131n icra müdd\u0259ti ilin sonunda ba\u015fa çat\u0131r. Buna gör\u0259 d\u0259 müraci\u0259tl\u0259rin\u0259 müsb\u0259t cavab alan v\u0259t\u0259nda\u015flar\u0131m\u0131z növb\u0259ti aylarda kompensasiya il\u0259 t\u0259min olunacaqlar.<\/p>\n

6.<\/strong> Apellyasiya Komissiyas\u0131ndan m\u0259nfi cavab alan, amma kompensasiya almaq hüququnun oldu\u011funu iddia ed\u0259n v\u0259t\u0259nda\u015flar\u0131m\u0131z növb\u0259ti m\u0259rh\u0259l\u0259d\u0259 n\u0259 ed\u0259 bil\u0259rl\u0259r?<\/em>
\nAz\u0259rbaycan qanunvericiliyin\u0259 \u0259sas\u0259n, v\u0259t\u0259nda\u015f komissiyan\u0131n q\u0259rar\u0131ndan m\u0259hk\u0259m\u0259y\u0259 müraci\u0259t ed\u0259 bil\u0259r. M\u0259hk\u0259m\u0259 v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n xeyirin\u0259 q\u0259rar q\u0259bul etdiyi v\u0259 bütün instansiyalar keçildiyi halda h\u0259min \u015f\u0259xs\u0259 kompensasiya öd\u0259nil\u0259c\u0259k.<\/p>\n

7.<\/strong> May ay\u0131nda kompensasiyalar\u0131n verilm\u0259si bitir . \u018fsas m\u0259bl\u0259\u011fi 10 min dollardan çox olan kreditl\u0259r\u0259 kompensasiya öd\u0259nil\u0259 bil\u0259rmi? <\/em>
\n\u0130qtisadi v\u0259 Sosial \u0130nki\u015faf M\u0259rk\u0259zi (CESD) mart ay\u0131nda \u0259sas m\u0259bl\u0259\u011fi 10 min dollardan çox olan kreditl\u0259r\u0259 differensial olaraq kompensasiyan\u0131n verilm\u0259si bar\u0259d\u0259 t\u0259klifl\u0259rini hökum\u0259t\u0259 t\u0259qdim edib. Y\u0259ni biz 10 min dollardan çox olan kreditl\u0259rin ilk 10 min dollar\u0131na kompensasiyan\u0131n hesablanmas\u0131n\u0131n t\u0259r\u0259fdar\u0131y\u0131q.<\/p>\n

M\u0259s\u0259l\u0259n, v\u0259t\u0259nda\u015f\u0131n 12 min dollar krediti olub v\u0259 indiki qaydalara \u0259sas\u0259n, o, kompensasiyadan yararlana bilmir. Biz t\u0259klif edirik ki, h\u0259min kredit x\u0259ttinin 10 min dollar\u0131na kompensasiya hesablans\u0131n. Bu ay kompensasiyalar\u0131n verilm\u0259si müdd\u0259tinin ba\u015fa çatmas\u0131na baxmayaraq, bizim t\u0259klifl\u0259r q\u0259bul olunarsa v\u0259 r\u0259smi q\u0259rar olarsa, o halda 10 min dollardan art\u0131q kreditl\u0259r\u0259 kompensasiya öd\u0259nil\u0259 bil\u0259r.<\/p>\n

Bel\u0259 ki, proses ilin sonunad\u0259k davam ed\u0259c\u0259k. Buna gör\u0259 d\u0259 r\u0259smi q\u0259rar olarsa, bu halda ilin sonunad\u0259k ist\u0259nil\u0259n zaman bu kompensasiyalar\u0131n öd\u0259nilm\u0259si mümkündür. Qeyd ed\u0259k ki, bel\u0259 q\u0259rar q\u0259bul edil\u0259c\u0259yi halda böyük maliyy\u0259 yükü yaranm\u0131r v\u0259 büdc\u0259nin mövcud imkanlar\u0131 il\u0259 bunu etm\u0259k mümkündür. Buna gör\u0259 d\u0259 ümid etm\u0259k ist\u0259rdik ki, bu t\u0259klifimiz d\u0259 q\u0259bul olunacaq.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Bu h\u0259ft\u0259 b\u0259zi problemli kreditl\u0259rl\u0259 ba\u011fl\u0131 kompensasiyalar\u0131n öd\u0259nilm\u0259si müdd\u0259ti ba\u015fa çat\u0131r.  Ucnoqta.az x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisadç\u0131 ekspert Vüqar Bayramov sosial \u015f\u0259b\u0259k\u0259 hesab\u0131nda yaz\u0131b. Ekspert bununla ba\u011fl\u0131 \u0259n çox veril\u0259n…<\/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-80673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/80673","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=80673"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/80673\/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=80673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=80673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=80673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}