{"id":313915,"date":"2024-08-28T14:58:23","date_gmt":"2024-08-28T10:58:23","guid":{"rendered":"https:\/\/www.meydan.tv\/?p=313915"},"modified":"2024-08-28T14:58:25","modified_gmt":"2024-08-28T10:58:25","slug":"kredit-ala-bilmeyen-eliller-birinci-qrup-elilik-deye-etibar-etmirler","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/kredit-ala-bilmeyen-eliller-birinci-qrup-elilik-deye-etibar-etmirler\/","title":{"rendered":"Kredit ala bilm\u0259y\u0259n \u0259lill\u0259r: “Birinci qrup \u0259lilik dey\u0259 etibar etmirl\u0259r”"},"content":{"rendered":"\n

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Ekspert: “Banklar \u00f6z\u00fcn\u00fc risk, v\u0259t\u0259nda\u015f\u0131 borc qar\u015f\u0131s\u0131nda qoymamaq \u00fc\u00e7\u00fcn kredit vermirl\u0259r”<\/em><\/strong><\/p>\n\n\n\n

“H\u0259r ay \u00f6vlad\u0131mla birg\u0259 Beyn\u0259lxalq Bank vasit\u0259sil\u0259 870 manat pensiya\u00a0 al\u0131r\u0131q. Ancaq ill\u0259rdir ki, bu m\u00fcavin\u0259t\u0259 kredit ala bilmir\u0259m. Birinci qrup \u0259lilik dey\u0259 etibar etmirl\u0259r. T\u0259qa\u00fcd\u00fc g\u0259lir saym\u0131rlar. \u0130ki il \u00f6nc\u0259y\u0259 q\u0259d\u0259r m\u00fcbariz\u0259 apard\u0131q, etiraz etdik, h\u0259tta BMT-y\u0259 d\u0259 \u015fikay\u0259t olundu, amma n\u0259tic\u0259si olmad\u0131”.<\/em><\/p>\n\n\n\n

Bunu Meydan TV-y\u0259 Sumqay\u0131t sakini, anadang\u0259lm\u0259 g\u00f6rm\u0259 m\u0259hdudiyy\u0259tli I qrup \u0259lil, 35 ya\u015fl\u0131 Fariz H\u00fcseynov deyir.<\/p>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, 2014-c\u00fc ild\u0259n indiy\u0259 q\u0259d\u0259r istehlak kreditl\u0259rind\u0259n yararlana bilm\u0259yib, daha do\u011frusu, ona bu imkan\u0131 tan\u0131may\u0131blar.<\/p>\n\n\n\n

Deyir ki, d\u0259f\u0259l\u0259rl\u0259 d\u00f6vl\u0259t v\u0259 \u00f6z\u0259l banklara, bank olmayan kredit t\u0259\u015fkilatlar\u0131na m\u00fcraci\u0259t ets\u0259 d\u0259, ona kredit ayr\u0131lmay\u0131b. Bunun \u00fc\u00e7\u00fcn birinci qrup \u0259lill\u0259rd\u0259n  etibarnam\u0259 v\u0259 \u00fc\u00e7\u00fcnc\u00fc  \u015f\u0259xsin \u015fahidliyi  t\u0259l\u0259b olunur. H\u0259tta m\u00fcdd\u0259ti bitmi\u015f pensiya kart\u0131n\u0131n yenil\u0259nm\u0259si v\u0259 debet kart imkanlar\u0131ndan yararlanmaq \u00fc\u00e7\u00fcn d\u0259 bu t\u0259l\u0259b qoyulur.<\/p>\n\n\n\n

“\u018fvv\u0259l 10-12 manata olan\u00a0 etibarnam\u0259 indi 18-20 manatd\u0131r. H\u0259l\u0259 “ASAN xidm\u0259t”d\u0259 etibarnam\u0259 il\u0259 yana\u015f\u0131, \u00fc\u00e7\u00fcnc\u00fc bir \u015fahidimiz olmal\u0131d\u0131r. Xarici \u00f6lk\u0259d\u0259n g\u00f6nd\u0259ril\u0259n pul bel\u0259 etibarnam\u0259siz verilmir. \u00dcst\u0259lik, etibarnam\u0259 verilib m\u00fcqavil\u0259y\u0259 imza atanda h\u0259min \u015f\u0259xsin imzas\u0131 il\u0259 yana\u015f\u0131, bizim d\u0259 m\u00f6h\u00fcr\u00fcm\u00fcz vurulur. \u018fg\u0259r imzam\u0131 tan\u0131m\u0131rsansa, niy\u0259 m\u00f6h\u00fcr\u00fcm vurulur? 2014-ci il\u0259d\u0259k \u00e7\u0259tin d\u0259 olsa, kredit ala bilirdik. Ondan sonra n\u0259inki banklar, he\u00e7 ma\u011faza \u015f\u0259b\u0259k\u0259l\u0259ri biz\u0259 kreditl\u0259 he\u00e7 n\u0259 vermir. Bu ayr\u0131-se\u00e7kiliy\u0259 dair bank\u0131n daxili nizamnam\u0259si d\u0259 g\u00f6st\u0259rilmir”, – <\/em>dey\u0259 o qeyd edib.<\/p>\n\n\n

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Foto: Meydan TV<\/figcaption><\/figure>\n<\/div>\n\n\n

\u00d6lk\u0259d\u0259 ya\u015fayan yar\u0131m milyondan \u00e7ox \u0259lilin 67 000-i g\u00f6rm\u0259 \u0259ng\u0259lli  \u0259lill\u0259rdir. Bunun da 15 mini, y\u0259ni 22 faizi I qrup \u0259lill\u0259rdir. On il \u00f6nc\u0259 is\u0259 bu r\u0259q\u0259m iki d\u0259f\u0259 az, 7880 n\u0259f\u0259r olub.  \u00dcmumilikd\u0259 is\u0259 \u00f6lk\u0259d\u0259  62.9 min  n\u0259f\u0259r  birinci qrup \u0259lil var.  Bu r\u0259q\u0259m on il \u00f6nc\u0259 iki d\u0259f\u0259 az – 24.9 min n\u0259f\u0259r t\u0259\u015fkil edib. Saylar\u0131 art\u0131qca \u0259lill\u0259rin  kredit imkanlar\u0131ndan yararlanma c\u0259hdl\u0259ri d\u0259 ciddi problem\u0259 \u00e7evrilir.<\/p>\n\n\n\n

\u018flilliyi olan \u015f\u0259xsl\u0259r bildirir ki, onlar \u00fc\u00e7\u00fcn  i\u015fl\u0259 t\u0259minat \u00e7\u0259tin oldu\u011fundan kredit  imkanlar\u0131ndan  yararlanmaq  m\u00fcmk\u00fcns\u00fczd\u00fcr.  Az\u0259rbaycanda \u0259m\u0259k bazar\u0131nda \u0259lilliyi olan \u015f\u0259xsl\u0259rin c\u0259mi 11-12 faizinin m\u0259\u015f\u011fullu\u011fu t\u0259min edilib. Bunlar\u0131n da aras\u0131nda birinci qrup \u0259lill\u0259rin pay\u0131 he\u00e7 bir faiz t\u0259\u015fkil etmir.<\/p>\n\n\n\n

I qrup \u0259lill\u0259r d\u00f6vl\u0259t t\u0259r\u0259find\u0259n dig\u0259r qrup \u0259lill\u0259r\u0259 nisb\u0259t\u0259n y\u00fcks\u0259k t\u0259qa\u00fcdl\u0259 t\u0259min edils\u0259 d\u0259, banklar bu t\u0259qa\u00fcd\u00fc onlar\u0131n ayl\u0131q ehtiyac\u0131 kimi q\u0259bul edir. H\u0259tta n\u0259inki Fariz kimi ancaq t\u0259qa\u00fcdl\u0259 dolanan, r\u0259smi i\u015fd\u0259 \u00e7al\u0131\u015fan I qrup \u0259lill\u0259r bel\u0259 kreditg\u00f6t\u00fcrm\u0259 imkan\u0131ndan yararlana bilmirl\u0259r.<\/p>\n\n\n\n

“Sabah \u0259leyhimiz\u0259 i\u015fl\u0259y\u0259r, s\u00fcbut ed\u0259 bilm\u0259rik deyirl\u0259r”<\/strong><\/p>\n\n\n\n

Sonradan g\u00f6rm\u0259 qabiliyy\u0259tini itir\u0259n birinci qrup \u0259lil, 61 ya\u015fl\u0131 Famil Hac\u0131yev deyir ki, ali t\u0259hsilli m\u00fc\u0259llim olsa da, he\u00e7 vaxt  kredit g\u00f6t\u00fcr\u0259 bilm\u0259yib.<\/p>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, banklar onun g\u00f6rm\u0259 qabiliyy\u0259tinin olmamas\u0131n\u0131 \u0259sas g\u0259tir\u0259r\u0259k ayl\u0131q \u00f6d\u0259ni\u015f imkanlar\u0131na etibar etmir:<\/p>\n\n\n

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Famil Hac\u0131yev <\/figcaption><\/figure>\n<\/div>\n\n\n

“Bir telefona g\u00f6r\u0259 o ma\u011fazan\u0131n r\u0259hb\u0259rliyin\u0259 q\u0259d\u0259r gedib m\u00fcbariz\u0259 apard\u0131m, sindromu s\u0131nd\u0131rd\u0131m. Ancaq\u00a0 kredit g\u00f6t\u00fcrm\u0259k \u00e7\u0259tindir. Bank \u0259sas g\u0259tirir ki, m\u00fcqavil\u0259ni g\u00f6rm\u00fcrs\u0259n, oxuya bilmirs\u0259n. Yan\u0131mdak\u0131 adam\u0131 etibarl\u0131 \u015f\u0259xs, \u015fahid kimi t\u0259qdim ets\u0259m d\u0259, onu da problem edib \u0259sasl\u0131 s\u00fcbut, \u015fahid hesab etmirl\u0259r. “Sabah \u0259leyhimiz\u0259 i\u015fl\u0259y\u0259r, s\u00fcbut ed\u0259 bilm\u0259rik”, – deyirl\u0259r. \u0130ki \u00f6vlad\u0131m var, n\u0259 kredit g\u00f6t\u00fcr\u0259, n\u0259 d\u0259 ipoteka il\u0259 ev ala bildim. Art\u0131q \u00fcmidim d\u0259 qalmay\u0131b, yorulmu\u015fam”.<\/em><\/p>\n\n\n\n

Banklar niy\u0259 kredit vermir?<\/strong><\/p>\n\n\n\n

Meydan TV birinci qrup \u0259lill\u0259r\u0259 kreditin verilm\u0259m\u0259si il\u0259 ba\u011fl\u0131 bir ne\u00e7\u0259 banka sor\u011fu g\u00f6nd\u0259rib.<\/p>\n\n\n\n

\u018fks\u0259r banklar sor\u011fuya: “Bank t\u0259r\u0259find\u0259n birinci qrup \u0259lilliyi olan \u015f\u0259xsl\u0259r\u0259 istehlak kreditl\u0259rinin ayr\u0131lmas\u0131nda he\u00e7 bir m\u0259hdudiyy\u0259t yoxdur. Birinci qrup \u0259liliyi olan \u015f\u0259xsl\u0259r\u0259 bank\u0131n daxili prosedurlar\u0131na uy\u011fun olaraq, kredit r\u0259smil\u0259\u015fdirilir”, – <\/em>dey\u0259 cavab verilib.<\/p>\n\n\n\n

Amma bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspertl\u0259r bu cavablar\u0131 \u015fablon say\u0131r, onlar\u0131n dedikl\u0259ri il\u0259 raz\u0131la\u015fm\u0131r v\u0259 \u0259ksini deyirl\u0259r.<\/p>\n\n\n\n

“Bu qrup h\u0259ssas insanlar\u0131n x\u0259rcl\u0259ri \u00e7ox, g\u0259liri az olur”<\/strong><\/p>\n\n\n\n

\u0130qtisad\u00e7\u0131 ekspert Elman Sad\u0131qov deyir ki, qanunda ayr\u0131-se\u00e7kilik olmasa da, banklar kommersiya maraqlar\u0131n\u0131 v\u0259 riskl\u0259ri n\u0259z\u0259r\u0259 al\u0131b bel\u0259 h\u0259ssas qrup insanlara kredit verm\u0259kd\u0259 maraql\u0131 olmurlar.<\/p>\n\n\n\n

\u018flill\u0259rin ayl\u0131q pensiya t\u0259qa\u00fcd\u00fc v\u0259 i\u015fsizliyi il\u0259 yana\u015f\u0131, borclar\u0131n g\u0259lirl\u0259r\u0259 nisb\u0259ti \u0259msal\u0131 da n\u0259z\u0259r\u0259 al\u0131n\u0131r:<\/p>\n\n\n\n

“Onlar\u0131n\u00a0 kreditl\u0259rd\u0259n yararlanmaq h\u00fcququ var. Dig\u0259r t\u0259r\u0259fd\u0259n d\u0259 borclanma m\u0259s\u0259l\u0259si var. Bu qrup h\u0259ssas insanlar\u0131n x\u0259rcl\u0259ri \u00e7ox, g\u0259liri az olur. N\u0259tic\u0259d\u0259 kredit g\u00f6t\u00fcr\u00fcb i\u015f yerini, \u00f6d\u0259ni\u015f qabiliyy\u0259tini itir\u0259nd\u0259 banklarla onlar aras\u0131nda m\u00fcnaqi\u015f\u0259 ba\u015flay\u0131r. Bank da \u00e7ox da bu qrup insanlar\u0131n \u00fcz\u0259rin\u0259 ged\u0259 bilmir. Onlar\u0131 m\u0259hk\u0259m\u0259y\u0259 vers\u0259, h\u0259ssas q\u0259bul edilir. Bu s\u0259b\u0259bd\u0259n bank da \u00f6d\u0259ni\u015f qabiliyy\u0259tini, ayl\u0131q g\u0259lirini n\u0259z\u0259r\u0259 al\u0131b \u00f6nc\u0259d\u0259n kreditin verilib-verilm\u0259y\u0259c\u0259yini d\u0259qiql\u0259\u015fdirir v\u0259 b\u0259z\u0259n d\u0259 konservativ yana\u015f\u0131r. Kreditin m\u0259suliyy\u0259tdir. Borclar\u0131n g\u0259lirl\u0259r\u0259 nisb\u0259ti \u0259msal\u0131 var. Bu, 45 faizd\u0259n \u00e7ox olmamal\u0131d\u0131r. Buna g\u00f6r\u0259 banklar \u00f6z\u00fcn\u00fc risk\u0259 atmaq ist\u0259mirl\u0259r”.<\/em><\/p>\n\n\n\n

“\u018fqli q\u00fcsurlu, g\u00f6zd\u0259n \u0259lill\u0259r \u00fc\u00e7\u00fcn maliyy\u0259 s\u00f6vd\u0259l\u0259\u015fm\u0259si risklidir”<\/strong><\/p>\n\n\n\n

Ekspertin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, banklar \u0259lilliyi olan \u015f\u0259xsl\u0259r aras\u0131nda g\u00f6rm\u0259 \u0259ng\u0259lli olanlarla maliyy\u0259 s\u00f6vd\u0259l\u0259\u015fm\u0259sinin riskli say\u0131rlar. Bu m\u0259nada da q\u0259yyum, \u015fahid v\u0259  imza qa\u00e7\u0131lmaz hesab edilir:<\/p>\n\n\n

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Foto: Elman Sad\u0131qovun \u015f\u0259xsi arxivind\u0259n<\/figcaption><\/figure>\n<\/div>\n\n\n

“\u018fqli q\u00fcsurlu, g\u00f6zd\u0259n \u0259lill\u0259r \u00fc\u00e7\u00fcn maliyy\u0259 s\u00f6vd\u0259l\u0259\u015fm\u0259si risklidir. M\u00fctl\u0259q q\u0259yyumu olmal\u0131d\u0131r. Tutal\u0131m, \u015f\u0259xs y\u00fcks\u0259k m\u0259bl\u0259\u011fli \u0259mlak\u0131n\u0131 girov qoyur, sat\u0131r. Bunu d\u0259rk ed\u0259n, g\u00f6r\u0259n, t\u0259sdiql\u0259y\u0259n q\u0259yyum laz\u0131md\u0131r ki, onun da imzas\u0131 qa\u00e7\u0131lmazd\u0131r. Bu sonrak\u0131 aldad\u0131lman\u0131n qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcnd\u00fcr. H\u00fcquq\u015f\u00fcnas v\u0259 bank \u0259m\u0259kda\u015f\u0131 v\u0259t\u0259nda\u015fa h\u00fcququnu, prosesi ba\u015fa salmal\u0131d\u0131r. M\u00fcmk\u00fcnd\u00fcr ki, sabah m\u0259hk\u0259m\u0259 bank\u0131 g\u00fcnahkar \u00e7\u0131xars\u0131n ki, pensiya kart\u0131n\u0131, debet kart\u0131n\u0131, ad\u0131na g\u0259l\u0259n pulu niy\u0259 q\u0259yyumsuz, \u015fahidsiz vermis\u0259n. Bank bununla riskl\u0259rini s\u0131\u011fortalay\u0131r”<\/em>.<\/p>\n\n\n\n

“Bank \u00fc\u00e7\u00fcn \u00f6d\u0259m\u0259 qabiliyy\u0259ti \u00f6n\u0259mlidir, \u0259lilliyi yox”<\/em><\/strong><\/p>\n\n\n\n

D\u00f6vl\u0259t bank\u0131 say\u0131lan Beyn\u0259lxalq Bankdan da bunu riskli m\u0259s\u0259l\u0259 hesab edirl\u0259r:<\/p>\n\n\n\n

“Banklar v\u0259 s\u0131\u011forta \u00fc\u00e7\u00fcn d\u0259 x\u00fcsusi m\u00fc\u015ft\u0259ri kateqoriyalar\u0131 var ki, h\u0259min \u015f\u0259xsl\u0259r riskli say\u0131l\u0131r. S\u00f6hb\u0259t onlar\u0131n \u0259lilliyi il\u0259 ba\u011fl\u0131 deyil, b\u0259z\u0259n kredit veril\u0259rk\u0259n bu \u0259lillikd\u0259n sui-istifad\u0259 hal\u0131 bank \u00fc\u00e7\u00fcn\u00a0 problem yarad\u0131r. Kredit \u00f6d\u0259ni\u015fini t\u0259l\u0259b ed\u0259nd\u0259 b\u0259z\u0259n \u0259lilliyi \u0259sas g\u0259tirib \u00f6d\u0259ni\u015fd\u0259n imtina edirl\u0259r. H\u0259tta s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00fc\u00e7\u00fcn d\u0259 x\u00fcsusi riskli m\u00fc\u015ft\u0259ri qrupu var ki, onu s\u0131\u011fortalam\u0131rlar. M\u00fc\u015ft\u0259ril\u0259r riskli, az riskli v\u0259 risksiz kateqoriyalara b\u00f6l\u00fcn\u00fcr. Daimi v\u0259 stabil \u0259m\u0259khaqq\u0131na \u00e7al\u0131\u015fan m\u00fc\u015ft\u0259ril\u0259r risksiz m\u00fc\u015ft\u0259ril\u0259rdir. Y\u0259ni bank \u00fc\u00e7\u00fcn \u00f6d\u0259m\u0259 qabiliyy\u0259ti \u00f6n\u0259mlidir, \u0259lilliyi yox. \u018fng\u0259lli \u015f\u0259xsl\u0259r\u0259 veril\u0259n t\u0259qa\u00fcdl\u0259r el\u0259 onlar\u0131n ayl\u0131q sa\u011flaml\u0131\u011f\u0131, qidalanmas\u0131 kimi ehtiyaclar\u0131n\u0131n \u00f6d\u0259ni\u015fi \u00fc\u00e7\u00fcnd\u00fcr”.<\/em><\/p>\n\n\n\n

“D\u00f6vl\u0259t sosial proqramlar vasit\u0259sil\u0259 d\u0259st\u0259k ver\u0259 bil\u0259r”<\/strong><\/p>\n\n\n\n

Ad\u0131n\u0131n a\u00e7\u0131qlanmas\u0131n\u0131 ist\u0259m\u0259y\u0259n bank m\u00fct\u0259x\u0259ssisi is\u0259 bank\u0131n daxili qaydalar\u0131n\u0131 risk departamentinin t\u0259min etdiyini bildirir. O deyir ki, banklar \u0259lill\u0259rin t\u0259qa\u00fcd\u00fcn\u00fc ayl\u0131q kredit \u00f6d\u0259ni\u015fin\u0259 adekvat g\u0259lir kimi riskli say\u0131rlar.<\/p>\n\n\n

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

M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259tinin  “Kredit m\u00fcqavil\u0259l\u0259ri \u00fczr\u0259 borcalan\u0131n h\u0259yat\u0131n\u0131n \u00f6l\u00fcm hal\u0131ndan v\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131ndan s\u0131\u011fortas\u0131” Qaydas\u0131n\u0131n 16 may 2024-c\u00fc il tarixli q\u0259rar\u0131na \u0259sas\u0259n, \u0259lil \u015f\u0259xsl\u0259rin  kredit imkanlar\u0131ndan yararlanmaq \u015fans\u0131 yaran\u0131r. Burada m\u00fcsb\u0259t y\u00f6nd\u0259 d\u0259yi\u015fiklik qeyd olunsa da, \u0259slind\u0259, h\u0259min q\u0259rar\u0131n 6.5.1 b\u0259ndind\u0259 qeyd olunur ki, s\u0131\u011fortal\u0131n\u0131n orqanizminin funksiyalar\u0131n\u0131n pozulmas\u0131 il\u0259 \u0259laq\u0259dar s\u0131\u011forta m\u00fcqavil\u0259si ba\u011flananad\u0259k \u0259lilliyinin m\u00fc\u0259yy\u0259n olunmas\u0131 s\u0131\u011forta hadis\u0259si hesab edilmir. Y\u0259ni faktiki \u0259lillik d\u0259r\u0259c\u0259si da\u015f\u0131yan \u015f\u0259xsl\u0259r s\u0131\u011fortalanaraq kredit g\u00f6t\u00fcrm\u0259k imkanlar\u0131ndan k\u0259narda qal\u0131r.<\/p>\n\n\n\n

“<\/em>D\u0259yi\u015fiklik zaminsiz kreditl\u0259\u015fm\u0259ni h\u0259yata ke\u00e7irm\u0259k m\u0259qs\u0259dlidir”<\/strong><\/p>\n\n\n\n

Banklar Assosiasiyas\u0131n\u0131n h\u00fcquq m\u0259s\u0259l\u0259l\u0259r \u00fczr\u0259 Ekspert Qrupunun r\u0259hb\u0259ri Qorxmaz A\u011fayev deyir ki, yeni qaydalar n\u0259 m\u00fc\u015ft\u0259ril\u0259r, n\u0259 d\u0259 banklar \u00fc\u00e7\u00fcn m\u0259cburidir.<\/p>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, “H\u0259yat s\u0131\u011fortas\u0131”na edil\u0259n d\u0259yi\u015fiklik zaminsiz kreditl\u0259\u015fm\u0259ni h\u0259yata ke\u00e7irm\u0259y\u0259 \u015f\u0259rait yaratmaq m\u0259qs\u0259di g\u00fcd\u00fcr:<\/p>\n\n\n

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Foto: Qorxmaz A\u011fayevin \u015f\u0259xsi arxivind\u0259n<\/figcaption><\/figure>\n<\/div>\n\n\n

“Bu d\u0259yi\u015fiklik zaminsiz kreditl\u0259\u015fm\u0259ni h\u0259yata ke\u00e7irm\u0259k m\u0259qs\u0259di g\u00fcd\u00fcr. \u00c7al\u0131\u015f\u0131r\u0131q ki, \u0259lill\u0259rl\u0259\u00a0 ba\u011fl\u0131 yana\u015fmalar\u0131 \u00fcmumil\u0259\u015fdirib banklar \u00fc\u00e7\u00fcn t\u00f6vsiy\u0259l\u0259r m\u00fc\u0259yy\u0259nl\u0259\u015fdir\u0259k. Bizd\u0259 Bank Ombudsman\u0131 \u0130nstitutu var ki, m\u00fc\u015ft\u0259ri probleml\u0259rini onlar ara\u015fd\u0131r\u0131r. M\u00fc\u015ft\u0259rinin \u0259slind\u0259 \u00f6d\u0259m\u0259 bacar\u0131qlar\u0131, m\u00fcqavil\u0259si daxili prosedura uy\u011fundursa, problem olmur, ancaq f\u0259rdi hallarda istisnad\u0131r v\u0259 s\u0131\u011fortalanma olmur. Bu qaydaya \u0259sas\u0259n, s\u0131\u011fortalanan v\u0259 kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259r\u0259 \u00f6l\u00fcm v\u0259 \u0259lillik d\u0259r\u0259c\u0259sin\u0259 s\u0259b\u0259b olacaq istehsalat q\u0259zas\u0131 ba\u015f ver\u0259nd\u0259 x\u0259rcl\u0259r s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259c\u0259k. Bu s\u0131\u011forta sistemini, h\u0259m d\u0259 bank kreditl\u0259\u015fm\u0259sini intensivl\u0259\u015fdir\u0259c\u0259k”<\/em>.<\/p>\n\n\n\n

Banklardan da bildirilib ki, yeni t\u0259tbiq edil\u0259c\u0259k d\u0259yi\u015filikd\u0259 \u015f\u0259xsin m\u00fcqavil\u0259 ba\u011flanan d\u00f6vr\u0259 q\u0259d\u0259r \u0259lilliyi t\u0259sdiql\u0259n\u0259rs\u0259, “H\u0259yat s\u0131\u011fortas\u0131” onlara t\u0259tbiq edilmir v\u0259 n\u0259tic\u0259d\u0259 kredit g\u00f6t\u00fcrm\u0259k imkan\u0131 olmur. Banklar bununla zamin v\u0259 s\u0131\u011forta \u015firk\u0259ti aras\u0131ndak\u0131 m\u0259suliyy\u0259ti b\u00f6l\u00fc\u015fd\u00fcr\u0259c\u0259k.<\/p>\n\n\n\n

“\u018fllilik varsa, “H\u0259yat s\u0131\u011fortas\u0131” bundan imtina edir”<\/strong><\/p>\n\n\n\n

S\u0131\u011forta m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert \u0130lkin \u0130brahimov deyir ki, risk qrupu m\u0259s\u0259l\u0259l\u0259rind\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin g\u00fcz\u0259\u015fti yoxdur:<\/p>\n\n\n

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Foto: lkin \u0130brahimovun \u015f\u0259xsi arxivind\u0259n<\/figcaption><\/figure>\n<\/div>\n\n\n

“\u018fllilik varsa, “H\u0259yat s\u0131\u011fortas\u0131” bundan imtina edir, \u00e7\u00fcnki riskdir. \u018flillik d\u0259r\u0259c\u0259sinin m\u00fc\u0259yy\u0259n olunmas\u0131 s\u0131\u011forta hadis\u0259si hesab olunur. T\u0259tbiq olunacaq bu d\u0259yi\u015filikd\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri qazanacaq, banklar is\u0259 zaminl\u0259 ba\u011fl\u0131 qism\u0259n probleml\u0259rini h\u0259ll ed\u0259c\u0259k. S\u0131\u011forta olunan\u0131n \u00f6l\u00fcm\u00fc v\u0259 \u0259lilliyin\u0259 dair s\u0131\u011forta hadis\u0259si\u00a0 ba\u015f ver\u0259rs\u0259, s\u0131\u011forta \u015firk\u0259ti bir hiss\u0259sini, ya da tam m\u0259bl\u0259\u011fini \u00f6d\u0259ni\u015fini h\u0259yata ke\u00e7ir\u0259c\u0259k. Ya\u015f\u0131 \u00e7ox olan insanlar daha \u00e7ox s\u0131\u011forta \u00f6d\u0259ni\u015fi ed\u0259c\u0259kl\u0259r v\u0259 onlar risk qrupuna aiddir. Bu s\u0131\u011forta qeyri-r\u0259smi\u00a0 m\u0259cburidir ki, diqt\u0259 ed\u0259n t\u0259r\u0259f bankd\u0131r, ancaq r\u0259smi olaraq k\u00f6n\u00fcll\u00fcd\u00fcr”.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Ekspert: “Banklar \u00f6z\u00fcn\u00fc risk, v\u0259t\u0259nda\u015f\u0131 borc qar\u015f\u0131s\u0131nda qoymamaq \u00fc\u00e7\u00fcn kredit … <\/p>\n

Davam\u0131<\/a><\/p>\n","protected":false},"author":8,"featured_media":313973,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[62,56],"tags":[],"class_list":["post-313915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sosial","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\nKredit ala bilm\u0259y\u0259n \u0259lill\u0259r: "Birinci qrup \u0259lilik dey\u0259 etibar etmirl\u0259r" - 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-ala-bilmeyen-eliller-birinci-qrup-elilik-deye-etibar-etmirler\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit ala bilm\u0259y\u0259n \u0259lill\u0259r: "Birinci qrup \u0259lilik dey\u0259 etibar etmirl\u0259r" - MEYDAN.TV\" \/>\n<meta property=\"og:description\" content=\"Ekspert: “Banklar \u00f6z\u00fcn\u00fc risk, v\u0259t\u0259nda\u015f\u0131 borc qar\u015f\u0131s\u0131nda qoymamaq \u00fc\u00e7\u00fcn kredit ... 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