\n
\n \u0130qtisad\u00e7\u0131 deyir ki, m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 cavabs\u0131z suallar var
\n <\/i>\n<\/p>\n
\n "Bu h\u0259ft\u0259 b\u0259zi problemli kreditl\u0259r\u0259 kompensasiyalar\u0131n \u00f6d\u0259nilm\u0259si m\u00fcdd\u0259ti ba\u015fa \u00e7at\u0131r. Bununla yana\u015f\u0131, bir s\u0131ra suallar h\u0259l\u0259 d\u0259 g\u00fcnd\u0259md\u0259dir. Hans\u0131 ki, h\u0259min suallara konkret cavab yoxdur".\n<\/p>\n
\n \u0130qtisad\u00e7\u0131 V\u00fcqar Bayramov bel\u0259 deyir. Ona g\u00f6r\u0259 bu suallardan \u0259n \u00f6n\u0259mlisi \u201cbu h\u0259ft\u0259 kompensasiya ala bilm\u0259y\u0259nl\u0259r sonrak\u0131 aylarda bu g\u00fcz\u0259\u015ftl\u0259rd\u0259n istifad\u0259 ed\u0259 bil\u0259c\u0259kl\u0259rmi\u201d – sual\u0131d\u0131r.\n<\/p>\n
\n "Kompensasiya almaq h\u00fcququ olan, amma f\u0259rqli, o c\u00fcml\u0259d\u0259n, texniki s\u0259b\u0259bl\u0259rd\u0259n pullar\u0131n\u0131 ala bilm\u0259y\u0259nl\u0259r maydan 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 onun h\u0259l\u0259 d\u0259 almay\u0131b v\u0259 kompensasiyalar\u0131n verilm\u0259si m\u00fcdd\u0259ti d\u0259 2 g\u00fcnd\u0259n sonra ba\u015fa \u00e7at\u0131r. Bu halda, v\u0259t\u0259nda\u015f may ay\u0131nda kompensasiya ala bilm\u0259s\u0259 d\u0259, ona v\u0259sait hesabland\u0131\u011f\u0131 \u00fc\u00e7\u00fcn n\u00f6vb\u0259ti aylarda bu imkandan yararlana bil\u0259c\u0259k. O bax\u0131mdan, mayda kompensasiya ala bilm\u0259y\u0259n, amma bu h\u00fcququ olanlar \u00fc\u00e7\u00fcn v\u0259sait \u00f6d\u0259ni\u015fi h\u0259yata ke\u00e7iril\u0259c\u0259k".\n<\/p>\n
\n
\n Problemli kreditl\u0259rin restrukturizasiyas\u0131 n\u0259 \u00fc\u00e7\u00fcn yuban\u0131r?
\n <\/b>\n<\/p>\n
\n \u0130qtisad\u00e7\u0131 deyir ki, kompensasiyalar\u0131n s\u00fcr\u0259tli verilm\u0259sin\u0259 r\u0259\u011fm\u0259n, problemli kreditl\u0259rin restrukturizasiyas\u0131 (kreditin v\u0259 ya onun \u00f6d\u0259nilm\u0259si \u015f\u0259rtl\u0259rinin d\u0259yi\u015fdirilm\u0259si) prosesi nisb\u0259t\u0259n gec ba\u015flay\u0131b. 600 mind\u0259n art\u0131q v\u0259t\u0259nda\u015f\u0131n kompensasiya h\u00fcququ yaran\u0131b v\u0259 300 min\u0259d\u0259k insan\u0131n problemli kreditl\u0259ri restrukturizasiya olunacaq:\n<\/p>\n
\n "Bu bax\u0131mdan, birinci m\u0259rh\u0259l\u0259d\u0259 diqq\u0259t kompensasiyalar\u0131n verilm\u0259sin\u0259 y\u00f6n\u0259ldildi. G\u0259l\u0259n aydan etibar\u0259n problemli kreditl\u0259rin restrukturizasiyas\u0131 daha intensiv h\u0259yata ke\u00e7iril\u0259c\u0259k. O bax\u0131mdan, kreditin restrukturizasiyas\u0131 olunacaq, amma h\u0259l\u0259 d\u0259 bu g\u00fcz\u0259\u015ftd\u0259n istifad\u0259 ed\u0259 bilm\u0259y\u0259nl\u0259r g\u0259l\u0259n aydan etibar\u0259n g\u00fcz\u0259\u015ftli kredit \u015f\u0259rtl\u0259ri \u0259ld\u0259 ed\u0259c\u0259kl\u0259r".\n<\/p>\n
\n
\n Restrukturizasiya oluna kreditl\u0259rd\u0259 zaminliy\u0259 xitam veril\u0259c\u0259kmi?
\n <\/b>\n<\/p>\n
\n V.Bayramov deyir ki, fiziki \u015f\u0259xsin kredit borcunun \u0259sas m\u0259bl\u0259\u011fi 17 min manatdan azd\u0131rsa v\u0259 h\u0259min x\u0259tt \u00fczr\u0259 gecikm\u0259 m\u00fcdd\u0259ti 360 g\u00fcnd\u0259n \u00e7oxdursa, h\u0259min \u015f\u0259xsl\u0259r\u0259 restrukturizasiya prosesl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259, gecikm\u0259d\u0259 olan kreditini ba\u011flamaq m\u0259qs\u0259dil\u0259 5 il m\u00fcdd\u0259tin\u0259 (1 il g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti il\u0259) 1 faiz d\u0259r\u0259c\u0259si il\u0259 yeni kredit t\u0259klif olunur:\n<\/p>\n
\n "H\u0259m M\u00fclki M\u0259c\u0259ll\u0259nin 477-ci madd\u0259sin\u0259, h\u0259m d\u0259 yeni mexanizm\u0259 g\u00f6r\u0259, kredit \u015f\u0259rtl\u0259ri d\u0259yi\u015fdirildikd\u0259 zaminlik h\u00fcququna 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 m\u00fcqavil\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 bura bir m\u0259qam var ki, bank yeni kredit m\u00fcqavil\u0259sind\u0259 k\u00f6hn\u0259 zaminin qalmas\u0131n\u0131 ist\u0259y\u0259rs\u0259 v\u0259 zamin bundan imtina ed\u0259rs\u0259, o zaman bank restruktrizasiya m\u00fcqavil\u0259si ba\u011flamaya bil\u0259r. Bu halda problemi kredit m\u00f6vcud \u015f\u0259rtl\u0259ri il\u0259 davam ed\u0259c\u0259k. Buna g\u00f6r\u0259 d\u0259, yeni m\u00fcqavil\u0259d\u0259 zamin olmamas\u0131 v\u0259 ya yeni zaminl\u0259 anla\u015fma imzalanmas\u0131 \u00fc\u00e7\u00fcn bank\u0131n raz\u0131l\u0131\u011f\u0131na ehtiyac var. \u018fg\u0259r zamin oldu\u011funuz kredit m\u00fcqavil\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".\n<\/p>\n
\n Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n yan\u0131nda formala\u015fd\u0131r\u0131lan Apelyasiya Komissiyas\u0131na m\u00fcraci\u0259tl\u0259r\u0259 n\u0259 zaman cavab veril\u0259c\u0259k?\n<\/p>\n
\n V. Bayramov deyir ki, qaydalara \u0259sas\u0259n, apelyasiya m\u00fcraci\u0259tl\u0259rin\u0259 30 i\u015f g\u00fcn\u00fc \u0259rzind\u0259 cavab verilm\u0259lidir. Bu is\u0259 t\u0259xmin\u0259n 1 ay yar\u0131mdan \u00e7ox zaman al\u0131r:\n<\/p>\n
\n "Bu bax\u0131mdan, m\u00fcraci\u0259td\u0259n sonra i\u015f g\u00fcnl\u0259rinin say\u0131n\u0131 hesablamaqla komissiyan\u0131n n\u0259 zaman m\u00fcraci\u0259ti cavabland\u0131raca\u011f\u0131n\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259k olar.\n<\/p>\n
\n Bu ay kompensasiyalar\u0131n verilm\u0259si ba\u015fa \u00e7at\u0131r. Apelyasiya Komissiyas\u0131n\u0131n m\u00fcsb\u0259t cavab verdiyi m\u00fcraci\u0259tl\u0259r \u00fczr\u0259 v\u0259sait \u00f6d\u0259ni\u015fi nec\u0259 h\u0259yata ke\u00e7iril\u0259c\u0259k? Kompensasiyalar\u0131n verilm\u0259si m\u00fcdd\u0259tinin ba\u015fa \u00e7atmas\u0131na baxmayaraq, Az\u0259rbaycan Prezidentinin imzalad\u0131\u011f\u0131 f\u0259rman\u0131n icra m\u00fcdd\u0259ti ilin sonunda bitir. Buna g\u00f6r\u0259 d\u0259, m\u00fcraci\u0259tl\u0259rin\u0259 m\u00fcsb\u0259t cavab alan v\u0259t\u0259nda\u015flar\u0131m\u0131z n\u00f6vb\u0259ti aylarda kompensasiya il\u0259 t\u0259min olunacaqlar".\n<\/p>\n
\n Apelyasiya Komissiyas\u0131ndan m\u0259nfi cavab alan, amma kompensasiya almaq h\u00fcququnun oldu\u011funu iddia ed\u0259n v\u0259t\u0259nda\u015flar\u0131m\u0131z n\u00f6vb\u0259ti m\u0259rh\u0259l\u0259d\u0259 n\u0259 ed\u0259 bil\u0259rl\u0259r?\n<\/p>\n
\n \u0130qtisad\u00e7\u0131 deyir ki, Az\u0259rbaycan qanunvericiliyin\u0259 \u0259sas\u0259n, v\u0259t\u0259nda\u015f komissiyan\u0131n q\u0259rar\u0131ndan m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t ed\u0259 bil\u0259r. M\u0259hk\u0259m\u0259 v\u0259t\u0259nda\u015f\u0131n xeyirin\u0259 q\u0259rar q\u0259bul etdiyi v\u0259 b\u00fct\u00fcn instansiyalar ke\u00e7ildiyi halda, h\u0259min \u015f\u0259xs\u0259 kompensasiya \u00f6d\u0259nil\u0259c\u0259k:\n<\/p>\n
\n "Mayda kompensasiyalar\u0131n verilm\u0259si bitir v\u0259 \u0259sas m\u0259bl\u0259\u011fi 10 min dollardan \u00e7ox olan kreditl\u0259r\u0259 kompensasiya \u00f6dnil\u0259 bil\u0259rmi? Bildiyiniz kimi, \u0130qtisadi v\u0259 Sosial \u0130nki\u015faf M\u0259rk\u0259zi (CESD) mart ay\u0131nda \u0259sas m\u0259bl\u0259\u011fi 10 min dollardan \u00e7ox olan kreditl\u0259r\u0259 differensial olaraq kompensasiyan\u0131n verilm\u0259si bar\u0259d\u0259 t\u0259klifl\u0259rini h\u00f6kum\u0259t\u0259 t\u0259qdim edib. Y\u0259ni, biz 10 min dollardan \u00e7ox olan kreditl\u0259rin ilk 10 min dollar\u0131na kompensasiyan\u0131n hesablanmas\u0131n\u0131n t\u0259r\u0259fdar\u0131y\u0131q. 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 m\u00fcdd\u0259tinin ba\u015fa \u00e7atmas\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 \u00f6d\u0259nil\u0259 bil\u0259r. Bel\u0259 ki, proses ilin sonunad\u0259k davam ed\u0259c\u0259k. Buna g\u00f6r\u0259 d\u0259, r\u0259smi q\u0259rar olarsa, bu halda ilin sonunad\u0259k ist\u0259nil\u0259n zaman bu kompensasiyalar\u0131n \u00f6d\u0259nilm\u0259si m\u00fcmk\u00fcnd\u00fcr. Qeyd ed\u0259k ki, bel\u0259 q\u0259rar q\u0259bul edil\u0259c\u0259yi halda, b\u00f6y\u00fck maliyy\u0259 y\u00fck\u00fc yaranm\u0131r v\u0259 b\u00fcdc\u0259nin m\u00f6vcud imkanlar\u0131 il\u0259 bunu etm\u0259k m\u00fcmk\u00fcnd\u00fcr. Buna g\u00f6r\u0259 d\u0259, \u00fcmid etm\u0259k ist\u0259rdik ki, bu t\u0259klifimiz d\u0259 q\u0259bul olunacaq".<\/p>\n","protected":false},"excerpt":{"rendered":"
\u0130qtisad\u00e7\u0131 deyir ki, m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 cavabs\u0131z suallar var<\/p>\n","protected":false},"author":11,"featured_media":100529,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[56],"tags":[],"class_list":["post-195606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\n