{"id":187890,"date":"2017-12-17T04:34:58","date_gmt":"2017-12-17T04:34:58","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/kredit\/"},"modified":"2017-12-17T04:34:58","modified_gmt":"2017-12-17T04:34:58","slug":"kredit","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/kredit\/","title":{"rendered":"Kredit"},"content":{"rendered":"

\n Kredit almaq art\u0131q m\u0259nim \u00fc\u00e7\u00fcn l\u0259yaq\u0259t, q\u00fcrur m\u0259s\u0259l\u0259sin\u0259 \u00e7evrilmi\u015fdi.\n<\/p>\n

\n Kredit d\u0259b\u0259 d\u00fc\u015f\u0259nd\u0259n b\u0259ri iki d\u0259f\u0259 alm\u0131\u015fd\u0131m. H\u0259r ikisi \u00e7oxdan olub v\u0259 \u00f6d\u0259nilib. O \u00e7oxdandan ke\u00e7\u0259n ill\u0259rd\u0259 rahat olmaqdansa, daim x\u0259cal\u0259t, h\u0259tta \u0259zab \u00e7\u0259kmi\u015f\u0259m.\n<\/p>\n

\n \u00d6lk\u0259d\u0259 h\u0259r k\u0259s kredit\u0259 b\u00fcr\u00fcn\u00fcb eln\u0259n s\u00fcr\u00fcnd\u00fcy\u00fc halda m\u0259n ortal\u0131qda a\u011f qar\u011fa kimi t\u0259kl\u0259nib durdum. Qohum-\u0259qraba, qonum-qon\u015fu, dost-tan\u0131\u015f b\u00fct\u00fcn hallarda v\u0259 b\u00fct\u00fcn yerl\u0259rd\u0259 \u00f6d\u0259ndikc\u0259 \u00e7oxalan kredit faizl\u0259rind\u0259n dan\u0131\u015fanda m\u0259n \u00f6z\u00fcm\u00fc karl\u0131\u011fa, korlu\u011fa qoydum. Adamlar bir-birin\u0259 \u201cnec\u0259s\u0259n?\u201d \u0259v\u0259zin\u0259 \u201ckreditl\u0259 neyl\u0259y\u0259 bildin?\u201d soru\u015fanda m\u0259nim dey\u0259c\u0259k s\u00f6z\u00fcm olmad\u0131. Bel\u0259c\u0259 xalq\u0131mdan ayr\u0131 d\u00fc\u015f\u00fcb v\u0259t\u0259nimd\u0259 q\u0259rib oldum.
\n
\n Bu utancdan qurtarmaq \u00fc\u00e7\u00fcn \u0259limd\u0259n g\u0259l\u0259ni etm\u0259dimmi deyirsiz? \u018flimd\u0259n g\u0259l\u0259n n\u0259dir, ondan o yana da \u0259ll\u0259\u015fib-vuru\u015fdum. N\u0259 yaz\u0131qlar ki, ayaq a\u00e7\u0131b ba\u015f vurdu\u011fum b\u00fct\u00fcn banklardan ald\u0131\u011f\u0131m cavab eyni oldu. Girov t\u0259l\u0259b edirdil\u0259r, bankda krediti olmayan zamin ist\u0259yirdil\u0259r. Y\u0259ni, bu \u00f6lk\u0259 \u00fc\u00e7\u00fcn tam m\u00fcmk\u00fcns\u00fcz olan \u015f\u0259rtl\u0259r…\n<\/p>\n

\n Kredit almaq art\u0131q m\u0259nim \u00fc\u00e7\u00fcn l\u0259yaq\u0259t, q\u00fcrur m\u0259s\u0259l\u0259sin\u0259 \u00e7evrilmi\u015fdi. H\u0259r k\u0259sin kredit labirintind\u0259 \u00e7abalad\u0131\u011f\u0131 \u0259zab-\u0259ziyy\u0259tli g\u00fcnl\u0259rd\u0259 \u0259li cibind\u0259 g\u0259zm\u0259k xalqa x\u0259yan\u0259td\u0259n ba\u015fqa bir \u015fey deyildi.\n<\/p>\n

\n G\u00fcn\u00fcn birind\u0259 \u015fans\u0131m\u0131 daha b\u0259rkd\u0259n s\u0131namaq q\u0259rar\u0131na g\u0259lib qon\u015fu rayondak\u0131 tan\u0131\u015f banka getdim. Qar\u015f\u0131s\u0131nda oturdu\u011fum g\u0259nc bank\u00e7\u0131 \u0259g\u0259r \u201cs\u00f6hb\u0259td\u0259n ke\u00e7\u0259 bils\u0259m\u201d m\u0259n\u0259 be\u015f-alt\u0131 y\u00fcz manat ver\u0259 bil\u0259c\u0259kl\u0259rini bildir\u0259nd\u0259 h\u0259y\u0259candan bo\u011faz\u0131m qurudu. Ard\u0131nca krediti n\u0259 m\u0259qs\u0259dl\u0259 almaq ist\u0259diyimi soru\u015fdu. M\u0259n bu suala haz\u0131r deyildim. Amma d\u0259rhal cavab verm\u0259liydim. Geciks\u0259m, u\u015faq bank\u0131 aldatma\u011f\u0131mdan \u015f\u00fcbh\u0259l\u0259n\u0259rdi. A\u011fl\u0131ma g\u0259l\u0259n ilk c\u00fcml\u0259ni dedim:\n<\/p>\n

\n \u2013 T\u00fcrkiy\u0259y\u0259 ni\u015fana getm\u0259k \u00fc\u00e7\u00fcn… (Bizd\u0259 ni\u015fan kreditl\u0259dirs\u0259, ni\u015fana getm\u0259k niy\u0259 kreditl\u0259 olmas\u0131n?)
\n
\n \u2013 C\u0259mi bu q\u0259d\u0259rl\u0259mi?
\n
\n \u2013 Xeyr, b\u0259li… \u018fslind\u0259 m\u0259nim b\u00fct\u00fcn x\u0259rcl\u0259rimi ordak\u0131 dostlar \u00e7\u0259k\u0259c\u0259kl\u0259r. M\u0259n sad\u0259c\u0259 \u00f6z\u00fcm\u00fc rahat hiss etm\u0259k ist\u0259yir\u0259m.\n<\/p>\n

\n \u201cAdam ba\u015fqa \u00f6lk\u0259d\u0259 t\u0259xmin\u0259n bizim be\u015f y\u00fcz manatla \u00f6z\u00fcn\u00fc nec\u0259 rahat hiss ed\u0259r?\u201d \u2013 dey\u0259 soru\u015fsayd\u0131, n\u0259 cavab ver\u0259rdim? Allahdan b\u0259xtim\u0259 insafl\u0131, anlay\u0131\u015fl\u0131 i\u015f\u00e7i \u00e7\u0131xm\u0131\u015fd\u0131. M\u0259ni \u00e7ox \u00e7\u0259tin\u0259 salmay\u0131b, bir ne\u00e7\u0259 asan sualla kifay\u0259tl\u0259ndi. N\u0259tic\u0259 sabah bilin\u0259c\u0259kdi.\n<\/p>\n

\n \u018fslind\u0259 n\u0259tic\u0259ni istiqanl\u0131 o g\u0259ncin s\u0259mimi bax\u0131\u015flar\u0131ndan oxumu\u015fdum. Telefonla da t\u0259sdiql\u0259n\u0259n kimi tan\u0131\u015f \u201cxaltur\u015fik\u201dl\u0259 t\u0259krar banka gedib krediti g\u00f6t\u00fcrd\u00fck. Yolu-rizi, dig\u0259r z\u0259ruri borcu-x\u0259rci \u00e7\u0131xandan sonra \u0259limd\u0259 qalan hiss\u0259 il\u0259 n\u0259 ed\u0259c\u0259yimi bilmirdim. Bird\u0259n m\u00fcqavil\u0259d\u0259 krediti qaytarmaq da yaz\u0131ld\u0131\u011f\u0131n\u0131 xatr\u0131lad\u0131m. H\u0259m d\u0259 \u00fcst\u0259lik babat faizl\u0259. Can\u0131ma vahim\u0259 d\u00fc\u015fd\u00fc. Bir ne\u00e7\u0259 g\u00fcnd\u0259n sonra v\u0259ziyy\u0259tl\u0259 bar\u0131\u015f\u0131b onsuz da yaralanm\u0131\u015f krediti b\u0259zi qa\u00e7\u0131lmaz x\u0259rcl\u0259r\u0259 y\u00f6n\u0259ltdim. H\u0259tta t\u0259nb\u0259llik v\u0259 x\u0259sislik etm\u0259yib a\u011frayan aya\u011f\u0131ma iki manat altm\u0131\u015f be\u015f q\u0259piy\u0259 \u201ctroksevazin\u201d maz\u0131 da ald\u0131m. N\u0259 d\u0259 olsa krediti aya\u011f\u0131m\u0131n \u0259lillik pensiyas\u0131 il\u0259 \u00f6d\u0259y\u0259c\u0259m, qoy halall\u0131q olsun.\n<\/p>\n

\n O g\u00fcnd\u0259n s\u0259rb\u0259st xeyr\u0259-\u015f\u0259r\u0259 gedib \u00fcmummilli kredit m\u00f6vzusunda \u00fcr\u0259kli i\u015ftirak ed\u0259 bilir\u0259m. M\u0259s\u0259l\u0259n, o g\u00fcn yasda molla m\u0259rhuma d\u0259xli olub-olmayan h\u0259r k\u0259si yad ed\u0259nd\u0259n sonra kredit \u0259hli olan bac\u0131 qarda\u015flar\u0131m\u0131z\u0131n r\u0259hm\u0259tin\u0259 v\u0259 xeyir-duas\u0131na ke\u00e7\u0259nd\u0259 onlardan biri olaraq lap ucadan: \u201cAmin, min amin!\u201d \u2013 dedim.\n<\/p>\n

\n V\u0259 yaxud \u00f6t\u0259n h\u0259ft\u0259 d\u0259v\u0259tlisi oldu\u011fum toyda m\u0259mur tamadan\u0131n s\u00f6yl\u0259diyi sa\u011fl\u0131q:\n<\/p>\n

\n \u2013 Axtarsan b\u0259yl\u0259 g\u0259lin ba\u015fda olmaqla bu m\u0259clisd\u0259 kredit borcu olmayan birc\u0259 n\u0259f\u0259r tap\u0131lmaz. Kredit\u0259 ba\u011fl\u0131l\u0131q o yer\u0259 \u00e7at\u0131b ki, art\u0131q elimizd\u0259 kreditsiz ail\u0259y\u0259 q\u0131z verib-alm\u0131rlar. Etiraf ed\u0259k ki, g\u00fccl\u00fc iqtisadiyyat\u0131m\u0131z v\u0259 u\u011furlu siyas\u0259timiz say\u0259sind\u0259 ham\u0131 xo\u015fb\u0259xtdir.\n<\/p>\n

\n O xo\u015fb\u0259xtl\u0259rin siyah\u0131s\u0131na d\u00fc\u015fd\u00fcy\u00fcm\u0259 g\u00f6r\u0259 taleyim\u0259 \u00e7ox minn\u0259tdaram. Art\u0131q vicdan\u0131m rahat, s\u00f6z\u00fcm azadd\u0131r.\n<\/p>\n

\n \u018fn \u0259sas\u0131 xalq\u0131n i\u00e7ind\u0259y\u0259m. \u201cEln\u0259n g\u0259l\u0259n b\u0259la toy-bayramd\u0131r\u201d atalar m\u0259s\u0259lin\u0259 uy\u011fun h\u0259yat t\u0259rzin\u0259 ke\u00e7mi\u015f\u0259m.\n<\/p>\n

\n \u018fvv\u0259lki aylar pensiyam\u0131 alan kimi ayl\u0131q bazarl\u0131q edib kommunal borclar\u0131 \u00f6d\u0259yirdim. \u0130ndi \u0259vv\u0259l krediti \u00f6d\u0259yib qalanla kommunal x\u0259rcl\u0259rin yaln\u0131z bir qismini \u00f6d\u0259y\u0259 bilir\u0259m. Bazarl\u0131\u011f\u0131 h\u0259l\u0259lik saxlam\u0131\u015fam, yaln\u0131z arada ad\u0131m\u0131 qon\u015fu d\u00fckana yazd\u0131r\u0131b y\u00fcng\u00fcl bir \u015feyl\u0259r al\u0131ram.\n<\/p>\n

\n Kreditl\u0259 daha da s\u0259rtl\u0259\u015f\u0259n acl\u0131q, soyuq v\u0259 ehtiyac\u0131n dig\u0259r n\u00f6vl\u0259ri il\u0259 z\u0259ngin rejim\u0259 n\u0259 q\u0259d\u0259r d\u00f6z\u0259r\u0259m bilmir\u0259m. Amma yaln\u0131z bu \u015f\u0259rtl\u0259rl\u0259 d\u00fcnyadan \u201cnormal\u201d Az\u0259rbaycan v\u0259t\u0259nda\u015f\u0131 kimi k\u00f6\u00e7\u0259c\u0259yim\u0259 \u0259min\u0259m. \u00c7\u00fcnki, bu g\u00fcn bizi birl\u0259\u015fdir\u0259n \u201cd\u0259y\u0259r” kreditdir…\n<\/p>\n

\n
\n
\n Yaz\u0131 m\u00fc\u0259llifin fikirl\u0259rini \u0259ks etdirir v\u0259 Meydan TV-nin m\u00f6vqeyi il\u0259 \u00fcst-\u00fcst\u0259 d\u00fc\u015fm\u0259y\u0259 bil\u0259r.
\n <\/b>
\n <\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

Kredit almaq art\u0131q m\u0259nim \u00fc\u00e7\u00fcn l\u0259yaq\u0259t, q\u00fcrur m\u0259s\u0259l\u0259sin\u0259 \u00e7evrilmi\u015fdi<\/p>\n","protected":false},"author":11,"featured_media":80491,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[57],"tags":[],"class_list":["post-187890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-menim-fikrimce","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\nKredit - MEYDAN.TV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.meydan.tv\/az\/article\/kredit\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit - 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