{"id":1886,"date":"2025-06-21T09:26:06","date_gmt":"2025-06-21T05:26:06","guid":{"rendered":"https:\/\/duzgun.az\/?p=1886"},"modified":"2025-06-21T14:25:51","modified_gmt":"2025-06-21T10:25:51","slug":"gozumuzd%c9%99n-qacan-q%c9%99pikl%c9%99r-kredit-tarixc%c9%99mizi-korlaya-bil%c9%99r-aciqlama","status":"publish","type":"post","link":"https:\/\/duzgun.az\/?p=1886","title":{"rendered":"G\u00f6z\u00fcm\u00fczd\u0259n qa\u00e7an q\u0259pikl\u0259r kredit tarix\u00e7\u0259mizi korlaya bil\u0259r – A\u00c7IQLAMA"},"content":{"rendered":"

D\u00fczg\u00fcn.az x\u0259b\u0259r verir ki, <\/strong>ad\u0259t\u0259n, banklar m\u00fcqavil\u0259 ba\u011flayanda qeyd edirl\u0259r ki, xidm\u0259t qeyri-i\u015f g\u00fcn\u00fcn\u0259 t\u0259sad\u00fcf ed\u0259rs\u0259, n\u00f6vb\u0259ti i\u015f g\u00fcn\u00fcn\u0259 ke\u00e7irilir. \u00d6zl\u0259rinin depozit faizi \u00f6d\u0259ni\u015fi olduqda he\u00e7 bir narahatl\u0131q olmadan n\u00f6vb\u0259ti i\u015f g\u00fcn\u00fcnd\u0259 edirl\u0259r. Amma i\u015f v\u0259t\u0259nda\u015f\u0131n kredit \u00f6d\u0259ni\u015fin\u0259 g\u0259l\u0259nd\u0259 \u0259lav\u0259 faiz hesablan\u0131r.<\/span><\/p>\n

Bunu\u00a0\u00a0a\u00e7\u0131qlamas\u0131nda iqtisad\u00e7\u0131 ekspert Xalid K\u0259rimli deyib.<\/span><\/p>\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u0259g\u0259r v\u0259t\u0259nda\u015f krediti qeyri-i\u015f g\u00fcn\u00fcnd\u0259 \u00f6d\u0259s\u0259 bel\u0259, gecikm\u0259 faizi hesablanm\u0131\u015f olur:<\/span><\/p>\n

\u201cBanklar t\u0259l\u0259b edir ki, \u0259g\u0259r \u00f6d\u0259ni\u015f bayrama d\u00fc\u015f\u00fcrs\u0259, \u00f6d\u0259ni\u015f \u0259vv\u0259lki i\u015f g\u00fcn\u00fcnd\u0259 \u00f6d\u0259nilm\u0259lidir. Bu m\u0259s\u0259l\u0259 bir q\u0259d\u0259r m\u00fcbahis\u0259lidir. \u018fg\u0259r bu m\u00fcqavil\u0259d\u0259 yoxdursa, burada banklar haqs\u0131zd\u0131r.<\/span><\/p>\n

Bu, M\u00fclki M\u0259c\u0259ll\u0259 il\u0259 t\u0259nziml\u0259n\u0259n m\u0259s\u0259l\u0259dir, \u0259g\u0259r \u00f6d\u0259ni\u015f qeyri-i\u015f g\u00fcn\u00fcn\u0259 t\u0259sad\u00fcf edirs\u0259, n\u00f6vb\u0259ti i\u015f g\u00fcn\u00fcnd\u0259 edil\u0259 bil\u0259r. V\u0259t\u0259nda\u015f burada diqq\u0259tli olmal\u0131d\u0131r. \u00c7al\u0131\u015fmal\u0131d\u0131r ki, ad\u0131nda gecikm\u0259 olmas\u0131n. Amma bir ay \u0259rzind\u0259 gecikm\u0259l\u0259rd\u0259 v\u0259t\u0259nda\u015f\u0131n kredit tarix\u00e7\u0259sinin korlanmas\u0131 ba\u015f vermir. Y\u0259ni 1-2 g\u00fcn gecikm\u0259 olduqda \u00e7ox narahatl\u0131q olmamal\u0131d\u0131r. Sad\u0259c\u0259 c\u0259rim\u0259 faizl\u0259ri m\u0259s\u0259l\u0259si var\u201d.<\/span><\/p>\n

Ekspert bildirib ki, bel\u0259 hallar\u0131n ya\u015fanmamas\u0131 \u00fc\u00e7\u00fcn \u0259vv\u0259lc\u0259 m\u00fcqavil\u0259y\u0259 bax\u0131lmal\u0131d\u0131r:<\/span><\/p>\n

<\/div>\n

\u201c\u018fg\u0259r m\u00fcqavil\u0259d\u0259 qeyd edilibs\u0259 ki, \u00f6d\u0259ni\u015f qeyri-i\u015f g\u00fcn\u00fcn\u0259 t\u0259sad\u00fcf etdikd\u0259 \u0259vv\u0259lki g\u00fcn \u00f6d\u0259nilm\u0259lidir, bu edilm\u0259lidir. Bank bu add\u0131m\u0131 at\u0131bsa v\u0259 biz d\u0259 raz\u0131la\u015fm\u0131\u015f\u0131qsa, bir \u015fey ed\u0259 bilmirik. Amma bel\u0259 bir m\u00fcdd\u0259a yoxdursa, M\u00fclki M\u0259c\u0259ll\u0259nin t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olaraq \u00f6d\u0259ni\u015f n\u00f6vb\u0259ti i\u015f g\u00fcn\u00fc q\u00fcvv\u0259y\u0259 minm\u0259lidir. \u018fg\u0259r m\u00fcqavil\u0259d\u0259 varsa, h\u0259r hans\u0131 problem olmamal\u0131d\u0131r.<\/span><\/p>\n

V\u0259t\u0259nda\u015f buna g\u00f6r\u0259 d\u0259 m\u00fcqavil\u0259sin\u0259 m\u00fctl\u0259q baxmal\u0131d\u0131r. Bunun n\u0259tic\u0259si biz\u0259 2 formada t\u0259sir ed\u0259 bil\u0259r. Birincisi, gecikm\u0259 faizi hesablan\u0131r, ikincisi, diqq\u0259td\u0259n qa\u00e7m\u0131\u015f m\u0259bl\u0259\u011f ola bil\u0259r. M\u0259s\u0259l\u0259n, orada diqq\u0259timizd\u0259n qa\u00e7m\u0131\u015f q\u0259pik-quru\u015f qalaraq, aylarla g\u00f6zd\u0259n qa\u00e7a bil\u0259r. Bu da bizim kredit tarix\u00e7\u0259mizi korlaya bil\u0259r. Ona g\u00f6r\u0259 d\u0259 diqq\u0259tli olaq. Banklar\u0131n, dem\u0259k olar, ham\u0131s\u0131n\u0131n mobil t\u0259tbiql\u0259ri var. M\u00fct\u0259madi olaraq kredit tarix\u00e7\u0259mizi yoxlamal\u0131y\u0131q. V\u0259t\u0259nda\u015f \u00f6z\u00fc bu informasiyalar\u0131 almal\u0131d\u0131r\u201d.<\/span><\/p>\n

\u0130qtisad\u00e7\u0131 ekspert Eyyub K\u0259rimli is\u0259\u00a0Trend<\/a>-\u0259 qeyd edib ki, kredit \u00f6d\u0259ni\u015fl\u0259ri m\u00fcqavil\u0259nin \u015f\u0259rtl\u0259rin\u0259 \u0259sas\u0259n m\u00fc\u0259yy\u0259nl\u0259\u015fir:<\/span><\/p>\n

\u201cQeyri-i\u015f g\u00fcnl\u0259rind\u0259 \u00f6d\u0259ni\u015fl\u0259rl\u0259 ba\u011fl\u0131 m\u00fcdd\u0259alar banklar\u0131n m\u00fcqavil\u0259l\u0259rind\u0259 \u0259ks etdirilir. B\u0259zi banklar bunu m\u00fcqavil\u0259d\u0259 qeyd ed\u0259r\u0259k, bel\u0259 olan halda \u00f6d\u0259ni\u015fin \u0259vv\u0259lc\u0259d\u0259n edilm\u0259sini d\u0259 t\u0259l\u0259b kimi qoya bilir. Qanunvericilikd\u0259 bununla ba\u011fl\u0131 m\u0259hdudiyy\u0259t yoxdur\u201d<\/span><\/p>\n

\u201cHaz\u0131rda bizd\u0259 \u00f6d\u0259ni\u015fl\u0259r daha \u00e7ox terminallar v\u0259 onlayn formada h\u0259yata ke\u00e7irilir. Bel\u0259 hallarda \u00f6d\u0259ni\u015f n\u00f6vb\u0259ti i\u015f g\u00fcn\u00fc hesaba oturur. Banklar \u00e7ox zaman bunu n\u0259z\u0259r\u0259 al\u0131rlar\u201d, – E.K\u0259rimli deyib.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

D\u00fczg\u00fcn.az x\u0259b\u0259r verir ki, ad\u0259t\u0259n, banklar m\u00fcqavil\u0259 ba\u011flayanda qeyd edirl\u0259r ki, xidm\u0259t qeyri-i\u015f g\u00fcn\u00fcn\u0259 t\u0259sad\u00fcf ed\u0259rs\u0259, n\u00f6vb\u0259ti i\u015f<\/p>\n","protected":false},"author":1,"featured_media":1891,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,1],"tags":[],"class_list":["post-1886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundm","category-esas"],"_links":{"self":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts\/1886","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1886"}],"version-history":[{"count":3,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts\/1886\/revisions"}],"predecessor-version":[{"id":1914,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/posts\/1886\/revisions\/1914"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=\/wp\/v2\/media\/1891"}],"wp:attachment":[{"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1886"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1886"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/duzgun.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1886"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}