{"id":287602,"date":"2023-10-11T15:12:31","date_gmt":"2023-10-11T11:12:31","guid":{"rendered":"https:\/\/www.meydan.tv\/?p=287602"},"modified":"2023-10-11T15:12:36","modified_gmt":"2023-10-11T11:12:36","slug":"bolgelerde-banklarin-kredit-faizi-bakidan-yuksekdir","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/bolgelerde-banklarin-kredit-faizi-bakidan-yuksekdir\/","title":{"rendered":"B\u00f6lg\u0259l\u0259rd\u0259 banklar\u0131n kredit faizi Bak\u0131dan y\u00fcks\u0259kdir"},"content":{"rendered":"\n

<\/p>\n\n\n\n

Az\u0259rbaycanda \u0259haliy\u0259 \u0259n bahal\u0131 kredit \u015eamax\u0131, \u0130smay\u0131ll\u0131, A\u011fsu v\u0259 Qobustanda t\u0259klif edilir<\/em><\/strong><\/p>\n\n\n\n

F\u00fczuli sakini Adil M\u0259mm\u0259dov deyir ki, bir il \u00f6nc\u0259, o\u011flunun toyu \u0259r\u0259f\u0259sind\u0259 bankdan kredit g\u00f6t\u00fcrm\u0259li olub. N\u0259 az, n\u0259 \u00e7ox, 7 min manata ehtiyac\u0131 yaran\u0131b. \u018fv\u0259zind\u0259 8 min 400-\u0259 yax\u0131n m\u0259bl\u0259\u011f qaytarmal\u0131 olub. Deyir, orada faizl\u0259rl\u0259 yana\u015f\u0131, ba\u015fqa \u00f6d\u0259ni\u015fl\u0259r d\u0259 \u00fcst\u00fcn\u0259 g\u0259lir v\u0259 m\u0259bl\u0259\u011f qalx\u0131r: <\/p>\n\n\n\n

\u201cYuvarlaqla\u015fd\u0131r\u0131b deyir\u0259m bu r\u0259q\u0259mi. H\u0259l\u0259 \u00f6d\u0259yib bitir\u0259 bilm\u0259mi\u015fik. Toydan \u0259vv\u0259l evi t\u0259mir etdirdim, material\u0131 nisy\u0259 g\u00f6t\u00fcrd\u00fcm, ustaya da dedim ki, toydan sonra pulunu ver\u0259c\u0259m. Haradasa 10 mind\u0259n \u00e7ox edirdi. Toyda ist\u0259diyim kimi pul y\u0131\u011f\u0131lmad\u0131, \u00fcst\u00fcn\u00fc d\u00fcz\u0259ltm\u0259k \u00fc\u00e7\u00fcn kredit g\u00f6t\u00fcrm\u0259li oldum. Alt\u0131 ay normal \u00f6d\u0259dim, iki yerd\u0259 i\u015fl\u0259yirdim. \u0130\u015fimin birini itir\u0259nd\u0259n sonra \u00f6d\u0259m\u0259l\u0259ri etm\u0259k \u00e7\u0259tinl\u0259\u015fdi\u201d.<\/em><\/p>\n\n\n\n

Adil M\u0259mm\u0259dov deyir ki, sonra o\u011flu \u00f6z ad\u0131na ba\u015fqa bankdan kredit g\u00f6t\u00fcr\u00fcb. Krediti kreditl\u0259 ba\u011flay\u0131blar:<\/p>\n\n\n\n

\u201c\u0130ndi dig\u0259r krediti \u00f6d\u0259m\u0259y\u0259 \u00e7al\u0131\u015f\u0131r\u0131q. \u00dcmumi 2 min 100 manata yax\u0131n \u0259lav\u0259 pul \u00f6d\u0259m\u0259li olmu\u015fuq. Ail\u0259mizin ayl\u0131q g\u0259liri hardasa 780 manatd\u0131r. Faizl\u0259r \u00fc\u00e7 ayl\u0131q g\u0259lirimiz\u0259 b\u0259rab\u0259rdir\u201d.<\/em> <\/p>\n\n\n\n

Az\u0259rbaycanda \u0259haliy\u0259 \u0259n bahal\u0131 kredit \u015eamax\u0131, \u0130smay\u0131ll\u0131, A\u011fsu v\u0259 Qobustanda t\u0259klif edilir \u2013 19.6 faizl\u0259.<\/p>\n\n\n\n

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n m\u0259lumat\u0131na<\/a> g\u00f6r\u0259, n\u00f6vb\u0259ti y\u00fcks\u0259k faizli kreditl\u0259r Qaraba\u011f iqtisadi rayonundad\u0131r. Y\u0259ni A\u011fcab\u0259di, A\u011fdam, B\u0259rd\u0259, F\u00fczuli v\u0259 T\u0259rt\u0259r rayonlar\u0131ndak\u0131 banklar krediti orta hesabla 19.37 faizl\u0259 verirl\u0259r. Sonrak\u0131 s\u0131ralamada Mil-Mu\u011fan v\u0259 c\u0259nub b\u00f6lg\u0259si g\u0259lir. H\u0259min regionlarda kredit faizi 19-dur. M\u0259rk\u0259zi Bank \u0259n ucuz kreditl\u0259rin Bak\u0131da t\u0259klif olundu\u011funu qeyd edir. Paytaxtda kredit faizi 10.98-dir.<\/p>\n\n\n

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\"\u0412\u0443\u0433\u0430\u0440
Foto: Meydan TV<\/figcaption><\/figure>\n<\/div>\n\n\n

\u0130qtisad\u00e7\u0131, deputat V\u00fcqar Bayramov deyir<\/a> ki, rayonlarda kredit faizl\u0259rinin y\u00fcks\u0259k olmas\u0131n\u0131n \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri b\u00f6lg\u0259l\u0259rd\u0259 biznes kreditl\u0259rin\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n a\u015fa\u011f\u0131 olmas\u0131d\u0131r. Bel\u0259likl\u0259, riskl\u0259rini s\u0131\u011fortalamaq ist\u0259y\u0259n banklar nisb\u0259t\u0259n a\u015fa\u011f\u0131 faizli biznes kreditl\u0259rini Bak\u0131da t\u0259klif etm\u0259y\u0259 \u00fcst\u00fcnl\u00fck verirl\u0259r:<\/p>\n\n\n\n

\u201cBu is\u0259 bir t\u0259r\u0259fd\u0259n, banklar\u0131n regionlarda real sektoru daha az d\u0259st\u0259kl\u0259m\u0259sin\u0259, dig\u0259r t\u0259r\u0259fd\u0259n is\u0259 rayon sakinl\u0259rinin bahal\u0131 kreditl\u0259rd\u0259n istifad\u0259 etm\u0259sin\u0259 s\u0259b\u0259b olur. Rayonlarda bank filallar\u0131n\u0131n say\u0131n\u0131n az olmas\u0131 v\u0259 bu s\u0259b\u0259bd\u0259n Bak\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 z\u0259if r\u0259qab\u0259t d\u0259 kredit faizl\u0259rin\u0259 t\u0259sir g\u00f6st\u0259rir\u201d.<\/em><\/p>\n\n\n\n

M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131nda bildirilir ki, \u00f6lk\u0259 \u00fczr\u0259 kreditl\u0259r orta hesabla 12.53 faizl\u0259 t\u0259klif olunur. Bununla bel\u0259, orta kredit faizl\u0259ri il\u0259 v\u0259t\u0259nda\u015flar\u0131n daha \u00e7ox istifad\u0259 etdiyi istehlak kredit faizl\u0259ri aras\u0131nda f\u0259rq var. V\u00fcqar Bayramov deyir ki, ayd\u0131nd\u0131r, Az\u0259rbaycanda 12.53 faizl\u0259 istehlak kreditl\u0259ri c\u0259lb etm\u0259k \u00e7ox \u00e7\u0259tindir. Orta kredit faizl\u0259rinin nisb\u0259t\u0259n a\u015fa\u011f\u0131 olmas\u0131n\u0131n s\u0259b\u0259bi is\u0259 faizl\u0259rin hesablanmas\u0131 metodologiyas\u0131nda g\u00fcz\u0259\u015ftli kreditl\u0259rin faizl\u0259rind\u0259n istifad\u0259 edilm\u0259sidir:<\/p>\n\n\n\n

\u201cBu hesablama orta faiz il\u0259 real faiz aras\u0131nda f\u0259rq yarad\u0131r. Bununla yana\u015f\u0131, orta faizd\u0259n daha \u00e7ox, istehlak kreditl\u0259rinin faiz d\u0259r\u0259c\u0259l\u0259rinin azald\u0131lmas\u0131 istiqam\u0259tind\u0259 f\u0259aliyy\u0259tl\u0259rin g\u00fccl\u0259ndirilm\u0259si daha vacibdir\u201d.<\/em><\/p>\n\n\n\n

Qaydalara g\u00f6r\u0259, v\u0259t\u0259nda\u015f\u0131n kredit \u00f6d\u0259ni\u015fl\u0259rind\u0259n sonra \u0259lind\u0259 \u0259n az\u0131 ya\u015fay\u0131\u015f minimumu qalmal\u0131d\u0131r. 2023-c\u00fc il \u00fc\u00e7\u00fcn ya\u015fay\u0131\u015f minimumu \u00f6lk\u0259 \u00fczr\u0259 246 manat m\u00fc\u0259yy\u0259nl\u0259\u015fdirilib. Bu m\u0259bl\u0259\u011f \u0259m\u0259k qabiliyy\u0259tli \u0259hali \u00fc\u00e7\u00fcn 261 manat, pensiya\u00e7\u0131lar \u00fc\u00e7\u00fcn 199 manat, u\u015faqlar \u00fc\u00e7\u00fcn 220 manatd\u0131r.<\/p>\n\n\n

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\"\"
Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131, RHMN\/shutterstock<\/figcaption><\/figure>\n<\/div>\n\n\n

Adil M\u0259mm\u0259dovun ail\u0259si d\u00f6rd b\u00f6y\u00fck, bir u\u015faq olmaqla, be\u015f n\u0259f\u0259rd\u0259n ibar\u0259tdir. Onun ail\u0259sinin ya\u015fay\u0131\u015f minimumu 1204 manatd\u0131r. Ail\u0259nin ayl\u0131q g\u0259liri is\u0259 780 manatd\u0131r, y\u0259ni ya\u015fay\u0131\u015f minimumuna \u00e7atm\u0131r. Bu g\u0259lird\u0259n kredit \u00f6d\u0259y\u0259nd\u0259 is\u0259 ail\u0259y\u0259 qalan m\u0259bl\u0259\u011f ya\u015fay\u0131\u015f minimumunun yar\u0131s\u0131ndan da az olur.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycanda \u0259haliy\u0259 \u0259n bahal\u0131 kredit \u015eamax\u0131, \u0130smay\u0131ll\u0131, A\u011fsu v\u0259 Qobustanda … <\/p>\n

Davam\u0131<\/a><\/p>\n","protected":false},"author":8,"featured_media":229812,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[60,53,79,56],"tags":[],"class_list":["post-287602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bolge","category-iqtisadiyyat","category-featured","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\nB\u00f6lg\u0259l\u0259rd\u0259 banklar\u0131n kredit faizi Bak\u0131dan y\u00fcks\u0259kdir - 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\/bolgelerde-banklarin-kredit-faizi-bakidan-yuksekdir\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u00f6lg\u0259l\u0259rd\u0259 banklar\u0131n kredit faizi Bak\u0131dan y\u00fcks\u0259kdir - MEYDAN.TV\" \/>\n<meta property=\"og:description\" content=\"Az\u0259rbaycanda \u0259haliy\u0259 \u0259n bahal\u0131 kredit \u015eamax\u0131, \u0130smay\u0131ll\u0131, A\u011fsu v\u0259 Qobustanda ... 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