{"id":167384,"date":"2015-03-31T18:52:07","date_gmt":"2015-03-31T18:52:07","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/ekrem-hesenov-bizim-banklar-kredit-uzre-faizi-elave-olaraq-2-gunden-de-tuturlar\/"},"modified":"2015-03-31T18:52:07","modified_gmt":"2015-03-31T18:52:07","slug":"ekrem-hesenov-bizim-banklar-kredit-uzre-faizi-elave-olaraq-2-gunden-de-tuturlar","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/ekrem-hesenov-bizim-banklar-kredit-uzre-faizi-elave-olaraq-2-gunden-de-tuturlar\/","title":{"rendered":"\u018fkr\u0259m H\u0259s\u0259nov: &#8220;Bizim banklar kredit \u00fczr\u0259 faizi \u0259lav\u0259 olaraq 2 g\u00fcnd\u0259n d\u0259 tuturlar&#8221;"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/21993\/\" alt=\"\" class=\"wp-image-21993\"\/><figcaption><\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/21993\/\" alt=\"\" class=\"wp-image-21993\"\/><figcaption><\/figcaption><\/figure>\n<p>\n  <i><br \/>\n    Niy\u0259 \u0259man\u0259t v\u0259 kredit \u00fczr\u0259 faizl\u0259r f\u0259rqli qayda \u0259sas\u0131nda hesablan\u0131r?<br \/>\n  <\/i>\n<\/p>\n<p>\n  \u0130qtisad\u00e7\u0131 \u018fkr\u0259m H\u0259s\u0259nov \u00f6z Facebook s\u0259hif\u0259sind\u0259 bu bar\u0259d\u0259 \u015f\u0259rh verib: &#8220;Ham\u0131 bilir ki, banklar\u0131n \u0259sas qazanc\u0131 verdiyi kreditl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259si il\u0259 c\u0259lb etdiyi \u0259man\u0259tl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259si aras\u0131ndak\u0131 f\u0259rqd\u0259n ibar\u0259tdir. M\u0259s\u0259l\u0259n, bank \u0259halid\u0259n 12%-l\u0259 100 mln. manat c\u0259lb edir v\u0259 h\u0259min pulu 25%-l\u0259 kredit verir. Bel\u0259likl\u0259, \u0259man\u0259t\u00e7il\u0259r\u0259 c\u0259mi 12 mln. manat \u00f6d\u0259diyi halda, verdiyi kreditl\u0259rd\u0259n 25 mln. g\u0259lir g\u00f6t\u00fcr\u00fcr. Ba\u015fqa s\u00f6zl\u0259, m\u0259nf\u0259\u0259ti 13 mln. olur&#8221;.\n<\/p>\n<p>\n  Ekspert deyir ki, \u0259slind\u0259 banklar\u0131n g\u0259liri daha \u00e7ox olur. Ona g\u00f6r\u0259 ki, \u0259man\u0259t v\u0259 kredit \u00fczr\u0259 faizl\u0259rin hesablanmas\u0131 qaydas\u0131 tam f\u0259rqlidir: &#8220;Bel\u0259 ki, M\u00fclki M\u0259c\u0259ll\u0259nin 949.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, bank \u0259man\u0259tinin m\u0259bl\u0259\u011fin\u0259 faizl\u0259r bu m\u0259bl\u0259\u011fin banka daxil oldu\u011fu g\u00fcn\u00fcn ert\u0259si g\u00fcn\u00fcnd\u0259n m\u0259bl\u0259\u011fin \u0259man\u0259t\u00e7iy\u0259 qaytar\u0131lmas\u0131ndan v\u0259 ya ba\u015fqa \u0259saslarla \u0259man\u0259t\u00e7inin hesab\u0131ndan silinm\u0259sind\u0259n \u0259vv\u0259lki g\u00fcn\u0259d\u0259k hesablan\u0131r. Y\u0259ni \u0259g\u0259r siz banka 31 mart tarixind\u0259 \u0259man\u0259t qoymusunuzsa v\u0259 30 sentyabr tarixind\u0259 onu geri g\u00f6t\u00fcr\u00fcrs\u00fcn\u00fczs\u0259, 31 mart v\u0259 30 sentyabr tarixl\u0259rind\u0259 faizl\u0259r hesablanm\u0131r.<br \/>\n  <br \/>\n  Kreditl\u0259r \u00fczr\u0259 is\u0259 faizl\u0259r h\u0259r g\u00fcn hesablan\u0131r (bu he\u00e7 bir qanunda yaz\u0131lmay\u0131b, amma qada\u011fan da edilm\u0259yib, buna g\u00f6r\u0259 d\u0259 M\u0259rk\u0259zi Bank \u00f6z 22 mart 2002-ci il tarixli m\u0259ktubu il\u0259 bu qaydan\u0131 m\u00fc\u0259yy\u0259n edib). Y\u0259ni \u0259g\u0259r siz bankdan 31 mart tarixind\u0259 kredit g\u00f6t\u00fcrm\u00fcs\u00fcn\u00fczs\u0259 v\u0259 30 sentyabr tarixind\u0259 onu geri qaytar\u0131rs\u0131n\u0131zsa, 31 mart v\u0259 30 sentyabr tarixl\u0259rind\u0259 d\u0259 t\u0259r\u0259finizd\u0259n faizl\u0259r \u00f6d\u0259nilir.<br \/>\n  <br \/>\n  G\u00f6r\u00fcnd\u00fcy\u00fc kimi, faiz d\u0259r\u0259c\u0259sinin \u00f6z\u00fcnd\u0259n g\u0259lir g\u00f6t\u00fcrm\u0259kl\u0259 yana\u015f\u0131 bizim banklar kredit \u00fczr\u0259 faizi \u0259lav\u0259 olaraq 2 g\u00fcnd\u0259n d\u0259 tuturlar.<br \/>\n  <br \/>\n  Bu qanunidir? B\u0259li, qanunidir. \u00c7\u00fcnki, g\u00f6st\u0259rdiyim kimi, \u0259man\u0259t \u00fczr\u0259 faizl\u0259rin hesablanmas\u0131 qaydas\u0131n\u0131 M\u00fclki M\u0259c\u0259ll\u0259 m\u00fc\u0259yy\u0259n edib. Kredit \u00fczr\u0259 faizl\u0259rin hesablanmas\u0131 qaydas\u0131 is\u0259 qanunla m\u00fc\u0259yy\u0259n edilm\u0259yib. Buna g\u00f6r\u0259 d\u0259 bo\u015flu\u011fu dolduran M\u0259rk\u0259zi Bank kredit \u00fczr\u0259 faizl\u0259rin h\u0259r g\u00fcn hesablanmas\u0131 t\u0259l\u0259bini m\u00fc\u0259yy\u0259n edib&#8221;.<br \/>\n  <br \/>\n  B\u0259s bu \u0259dal\u0259tlidir? Bu m\u0259qs\u0259d\u0259uy\u011fundur? Bu m\u0259ntiqlidir? \u018fkr\u0259m H\u0259s\u0259nov bu suallara &#8220;yox&#8221; cavab\u0131n\u0131 verir: &#8220;Nec\u0259 ola bil\u0259r ki, eyni tipli \u0259m\u0259liyyat \u00fc\u00e7\u00fcn tam f\u0259rqli qayda olsun, \u00f6z\u00fc d\u0259 s\u0131rf banklar\u0131n xeyrin\u0259?! Niy\u0259 M\u0259rk\u0259zi Bank kredit \u00fczr\u0259 faizl\u0259rin hesablanmas\u0131 qaydas\u0131n\u0131 \u0259man\u0259t \u00fczr\u0259 faizl\u0259rin hesablanmas\u0131 qaydas\u0131na uy\u011funla\u015fd\u0131rmay\u0131b?\n<\/p>\n<p>\n  Buna g\u00f6r\u0259 d\u0259 xarici valyutada ba\u011flanan kredit m\u00fcqavil\u0259l\u0259rinin Konstitusiyan\u0131n 19-cu madd\u0259sinin III hiss\u0259sin\u0259 v\u0259 M\u00fclki M\u0259c\u0259ll\u0259nin 439.1-ci madd\u0259sin\u0259 zidd oldu\u011fu \u00fc\u00e7\u00fcn etibars\u0131z hesab edilm\u0259sin\u0259 qar\u015f\u0131 banklar\u0131n \u201cbu \u0259dal\u0259tsizdir, m\u0259qs\u0259d\u0259uy\u011fun deyil v\u0259 s.\u201d dem\u0259si \u0259n az\u0131 g\u00fcl\u00fcncd\u00fcr. Nec\u0259 olur ki, qanunvericiliyin \u00f6zl\u0259rin\u0259 s\u0259rf ed\u0259n, lakin \u0259dal\u0259tsiz v\u0259 h\u0259tta m\u0259ntiqsiz olan m\u00fcdd\u0259alar\u0131n\u0131 \u00e7\u0259kinm\u0259d\u0259n t\u0259tbiq edirl\u0259r, amma qanunvericiliyin sad\u0259c\u0259 m\u0259qs\u0259d\u0259uy\u011fun olmayan (lakin tam m\u0259ntiqli olan!) m\u00fcdd\u0259as\u0131na qar\u015f\u0131 \u00e7\u0131x\u0131\u015f edirl\u0259r?!&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Niy\u0259 \u0259man\u0259t v\u0259 kredit \u00fczr\u0259 faizl\u0259r f\u0259rqli qayda \u0259sas\u0131nda hesablan\u0131r?<\/p>\n","protected":false},"author":11,"featured_media":21993,"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-167384","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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