{"id":167364,"date":"2015-03-30T13:59:52","date_gmt":"2015-03-30T13:59:52","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/3-faizlik-guzest-dollarla-kredit-goturenlerin-derdine-care-deyil\/"},"modified":"2015-03-30T13:59:52","modified_gmt":"2015-03-30T13:59:52","slug":"3-faizlik-guzest-dollarla-kredit-goturenlerin-derdine-care-deyil","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/3-faizlik-guzest-dollarla-kredit-goturenlerin-derdine-care-deyil\/","title":{"rendered":"&#8220;3 faizlik g\u00fcz\u0259\u015ft  dollarla kredit g\u00f6t\u00fcr\u0259nl\u0259rin \u201cd\u0259rdin\u0259 \u00e7ar\u0259\u201d deyil&#8221;"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/21927\/\" alt=\"\" class=\"wp-image-21927\"\/><figcaption><\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/21927\/\" alt=\"\" class=\"wp-image-21927\"\/><figcaption><\/figcaption><\/figure>\n<p>\n  <i><br \/>\n    &#8220;M\u0259rk\u0259zi Bank s\u0259drinin m\u00fcraci\u0259ti g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259rin faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 ciddi t\u0259sir etm\u0259di&#8221;<br \/>\n  <\/i>\n<\/p>\n<p>\n  &#8220;M\u0259rk\u0259zi Bank s\u0259drinin dollar il\u0259 g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259r\u0259 faiz endiriml\u0259rinin t\u0259tbiqi il\u0259 ba\u011fl\u0131 banklara t\u00f6vsiy\u0259si borclular\u0131n \u00f6d\u0259m\u0259 qabiliyy\u0259tin\u0259 h\u0259l\u0259lik t\u0259sir g\u00f6st\u0259rmir.\u00a0 \u00c7\u00fcnki banklar\u0131n t\u0259klif etdiyi 2 v\u0259 ya 3 faizlik endiriml\u0259r borclulalar\u0131n \u201cd\u0259rdin\u0259 \u00e7ar\u0259\u201d deyil&#8221;, &#8211; bu s\u00f6zl\u0259ri iqtisad\u00e7\u0131 ekspert V\u00fcqar Bayramov \u00f6z facebook s\u0259hif\u0259sind\u0259 yaz\u0131b.\n<\/p>\n<p>\n  Ekspert bildirir ki, t\u0259bii dollarla g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259r il\u0259 ba\u011fl\u0131 ist\u0259nil\u0259n add\u0131m h\u0259r iki t\u0259r\u0259fin- banklar\u0131n v\u0259 m\u00fc\u015ft\u0259ril\u0259rin- maraqlar\u0131na uy\u011fun olmal\u0131d\u0131r. \u00c7ox sad\u0259 misal: manat\u0131n m\u0259z\u0259nn\u0259si y\u00fcks\u0259k olan zamanlar 500 dollar ayl\u0131q kredit borcu olan \u015f\u0259xsin ayl\u0131q \u00f6d\u0259ni\u015fi 390 manat idis\u0259, indi yeni m\u0259z\u0259nn\u0259 il\u0259 h\u0259min borclunun ayl\u0131q \u00f6d\u0259ni\u015fi 525 manatd\u0131r. Bu o dem\u0259kdir ki, h\u0259r 500 dollar kredit \u00f6d\u0259ni\u015fi ed\u0259n v\u0259t\u0259nda\u015f ayl\u0131q 135 manat art\u0131q v\u0259sait \u00f6d\u0259m\u0259lidir:\n<\/p>\n<p>\n  &#8220;Banklar\u0131n da \u0259sas g\u0259lir m\u0259nb\u0259l\u0259rind\u0259n biri xaricd\u0259n v\u0259 ya beyn\u0259lxalq maliyy\u0259 qurumlar\u0131ndan al\u0131nan kreditl\u0259rdir. H\u0259min kreditl\u0259r is\u0259 xarici valyuta il\u0259 \u00f6d\u0259nilib. Dem\u0259li, m\u0259z\u0259nn\u0259nin ne\u00e7\u0259 olmas\u0131ndan as\u0131l\u0131 olmayaraq banklarda \u00f6z borclar\u0131n\u0131 xarici valyuta il\u0259 geri qaytarmal\u0131d\u0131rlar. \u0130ndiki m\u0259qamda daha uy\u011fun yol dollar il\u0259 g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259r \u00fc\u00e7\u00fcn faizl\u0259rin a\u015fa\u011f\u0131 sal\u0131nmas\u0131d\u0131r. Onsuz da \u00f6lk\u0259mizd\u0259 kredit faizl\u0259ri y\u00fcks\u0259kdir v\u0259 onun m\u00fc\u015ft\u0259rinin \u00f6d\u0259m\u0259 qabiliyy\u0259tin\u0259 t\u0259sir ed\u0259c\u0259k s\u0259viyy\u0259d\u0259 a\u015fa\u011f\u0131 sal\u0131nmas\u0131 onlar\u0131n likvidliyin\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259rm\u0259y\u0259c\u0259k&#8221;.\n<\/p>\n<p>\n  V\u00fcqar Bayramov onu da deyir ki, M\u0259rk\u0259zi Bank s\u0259drinin xeyli \u00fcmumi olan m\u00fcraci\u0259ti is\u0259 banklar\u0131n faiz d\u0259r\u0259c\u0259l\u0259rini a\u015fa\u011f\u0131 salmad\u0131. Dollar il\u0259 g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259r\u0259 faiz g\u00fcz\u0259\u015ftl\u0259rinin t\u0259tbiq edilm\u0259si \u00fc\u00e7\u00fcn a\u015fa\u011f\u0131dak\u0131lar\u0131n h\u0259yata ke\u00e7irilm\u0259sin\u0259 ehtiyac var:\n<\/p>\n<p>\n  1. M\u0259rk\u0259zi Bank bel\u0259 g\u00fcz\u0259\u015ftl\u0259rin t\u0259tbiq edilm\u0259si \u00fc\u00e7\u00fcn banklara r\u0259smi v\u0259 yaz\u0131l\u0131 t\u00f6vsiyy\u0259 m\u0259ktubu g\u00f6nd\u0259rm\u0259lidir;\n<\/p>\n<p>\n  2. H\u0259min m\u0259ktubda faiz d\u0259r\u0259c\u0259l\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131n\u0131n b\u00fct\u00fcn banklara t\u00f6vsiyy\u0259 olundu\u011fu bildirilm\u0259lidir;\n<\/p>\n<p>\n  3. T\u00f6vsiyy\u0259 m\u0259ktubunda kreditl\u0259r \u00fczr\u0259 t\u00f6vsiyy\u0259 edil\u0259n faiz endiriml\u0259rinin intervallar\u0131 qeyd edilm\u0259lidir. (M\u0259s\u0259l\u0259n, indiki halda kredit faizl\u0259rin\u0259 \u00fcmumi faizin 30 faizi h\u0259cmind\u0259 g\u00fcz\u0259\u015ftin edilm\u0259si m\u00fcmk\u00fcnd\u00fcr. \u0130stehlak krediti illik 28 faizl\u0259 verilibs\u0259, o zaman h\u0259min kredit faizi 16.7 faiz\u0259d\u0259k a\u015fa\u011f\u0131 sal\u0131na bil\u0259r. Bu zaman s\u00f6z\u00fcg\u00fcd\u0259n kredit \u00fczr\u0259 9.3 faiz g\u00fc\u015f\u0259t t\u0259tbiq edilmi\u015f olur. Bu is\u0259, h\u0259m kommersiya banklar\u0131n\u0131n m\u0259nf\u0259\u0259t \u0259ld\u0259 etm\u0259sin\u0259, h\u0259m d\u0259 m\u00fc\u015ft\u0259ril\u0259rin \u00f6d\u0259m\u0259 qabiliyy\u0259tinin normalla\u015fmas\u0131na imkan ver\u0259 bil\u0259r&#8221;.\n<\/p>\n<p>\n  Ekspert M\u0259rk\u0259zi Bank\u0131n g\u00f6nd\u0259r\u0259c\u0259yi t\u00f6vsiy\u0259 m\u0259ktubunun problemi xeyli yum\u015faldaca\u011f\u0131na inan\u0131r: &#8221; Bununla dollarla g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259rin faizl\u0259rind\u0259 hiss edil\u0259n azalma t\u0259tbiq etm\u0259kl\u0259 onlar\u0131n ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rind\u0259 k\u0259skin art\u0131m\u0131n qar\u015f\u0131s\u0131n\u0131 almaq v\u0259 banklar\u0131n da likvidliyinin qorunub saxlmas\u0131 m\u00fcmk\u00fcnd\u00fcr&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;M\u0259rk\u0259zi Bank s\u0259drinin m\u00fcraci\u0259ti g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259rin faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 ciddi t\u0259sir etm\u0259di&#8221;<\/p>\n","protected":false},"author":11,"featured_media":21927,"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-167364","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":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - 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