{"id":338554,"date":"2025-12-03T14:30:46","date_gmt":"2025-12-03T10:30:46","guid":{"rendered":"https:\/\/www.meydan.tv\/?p=338554"},"modified":"2025-12-03T14:30:49","modified_gmt":"2025-12-03T10:30:49","slug":"en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/","title":{"rendered":"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r?"},"content":{"rendered":"\n

\u00d6lk\u0259 \u00fczr\u0259 kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259sind\u0259n t\u0259xmin\u0259n 8,9 faiz b\u0259nd y\u00fcks\u0259kdir. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n 2025-ci ilin yanvar-oktyabr ay\u0131na dair statistik b\u00fclletenin\u0259 g\u00f6r\u0259, kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 14,07%, \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259si is\u0259 5,2% t\u0259\u015fkil edib. Milli valyutada olan \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259si 6,61%, xarici valyutada olan \u0259man\u0259tl\u0259rin is\u0259 2% s\u0259viyy\u0259sind\u0259dir.<\/p>\n\n\n\n

Ba\u015fqa s\u00f6zl\u0259, banklar \u0259halid\u0259n c\u0259lb etdikl\u0259ri \u0259man\u0259tl\u0259ri kredit \u015f\u0259klind\u0259 1,5 d\u0259f\u0259 baha sat\u0131rlar. Bu faiz marjas\u0131n\u0131n geni\u015fliyi inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 2-4 d\u0259f\u0259 daha y\u00fcks\u0259kdir. Bu bax\u0131mdan, Az\u0259rbaycanda kreditl\u0259rin kifay\u0259t q\u0259d\u0259r bahal\u0131 oldu\u011funu dem\u0259k olar.<\/p>\n\n\n\n

\u0130nki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 faiz marjalar\u0131, y\u0259ni \u0259man\u0259t v\u0259 kredit faizl\u0259ri aras\u0131ndak\u0131 f\u0259rq ad\u0259t\u0259n 1-4 faiz b\u0259nd aras\u0131nda d\u0259yi\u015fir. M\u0259s\u0259l\u0259n, Avropa Birliyi \u00f6lk\u0259l\u0259rind\u0259 bu marja 1,5\u20132,5 faiz b\u0259nd t\u0259\u015fkil edir. Bu, h\u0259min \u00f6lk\u0259l\u0259rin iqtisadiyyat\u0131nda sabit inki\u015faf\u0131n m\u00f6vcud olmas\u0131 v\u0259 maliyy\u0259 sektorunda riskl\u0259rin nisb\u0259t\u0259n a\u015fa\u011f\u0131 olmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n

Az\u0259rbaycan kimi inki\u015faf etm\u0259kd\u0259 olan \u00f6lk\u0259l\u0259rd\u0259 is\u0259 marjalar daha y\u00fcks\u0259k olur v\u0259 b\u0259z\u0259n 10 faizd\u0259n yuxar\u0131 s\u0259viyy\u0259d\u0259 m\u00fc\u015fahid\u0259 edil\u0259 bil\u0259r. Bu, iqtisadiyyatdak\u0131 qeyri-sabitlik, valyuta riski, monopoliya v\u0259 y\u00fcks\u0259k inflyasiya il\u0259 \u0259laq\u0259dard\u0131r.<\/p>\n\n\n\n

H\u0259tta Bak\u0131 \u00f6lk\u0259nin dig\u0259r regionlar\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 r\u0259qab\u0259tli maliyy\u0259 m\u0259rk\u0259zi olsa da, paytaxtda marja 7,7 faiz b\u0259ndi t\u0259\u015fkil edir ki, bu da inki\u015faf etmi\u015f \u00f6lk\u0259 standartlar\u0131ndan xeyli y\u00fcks\u0259kdir. Az\u0259rbaycan\u0131n dig\u0259r regionlar\u0131nda is\u0259 marja 15 faiz b\u0259nd\u0259 q\u0259d\u0259r y\u00fcks\u0259lir.<\/p>\n\n\n\n

Regionlarda marjan\u0131n y\u00fcks\u0259k olmas\u0131 h\u0259min \u0259razil\u0259rd\u0259 maliyy\u0259y\u0259 \u00e7\u0131x\u0131\u015f\u0131n son d\u0259r\u0259c\u0259 baha oldu\u011funu g\u00f6st\u0259rir v\u0259 kreditin qiym\u0259tini art\u0131r\u0131r. Baxmayaraq ki, ki\u00e7ik regionlarda icar\u0259 v\u0259 \u0259m\u0259khaqq\u0131 f\u0259rqi Bak\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 a\u015fa\u011f\u0131d\u0131r, lakin m\u00fc\u015ft\u0259ri c\u0259lbediciliyi v\u0259 dig\u0259r maliyy\u0259 infrastrukturlar\u0131n\u0131n z\u0259ifliyi, iqtisadi d\u00f6vriyy\u0259nin a\u015fa\u011f\u0131 olmas\u0131 x\u0259rcl\u0259rin artmas\u0131na s\u0259b\u0259b olur.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Kredit portfelinin 75,8%-i, \u0259man\u0259tl\u0259rin is\u0259 87%-i Bak\u0131n\u0131 pay\u0131na d\u00fc\u015f\u00fcr<\/strong><\/h4>\n\n\n\n

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, 2025-ci ilin yanvar-oktyabr aylar\u0131nda kommersiya banklar\u0131 t\u0259r\u0259find\u0259n c\u0259lb edil\u0259n \u0259man\u0259tl\u0259rin h\u0259cmi 15,9 milyard manat, \u00f6lk\u0259 iqtisadiyyat\u0131na y\u00f6n\u0259l\u0259n \u00fcmumi kredit qoyulu\u015fu is\u0259 31,1 milyard manat t\u0259\u015fkil edib. Kreditl\u0259rin 29,4 milyard manat\u0131 banklar, 1,7 milyard manat\u0131 is\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n verilib.<\/p>\n\n\n\n

Regionlar \u00fczr\u0259 pul-kredit v\u0259ziyy\u0259tini t\u0259hlil etdikd\u0259, Az\u0259rbaycan iqtisadiyyat\u0131n\u0131n y\u00fcks\u0259k h\u0259dd\u0259 paytaxt Bak\u0131 \u00fcz\u0259rind\u0259 m\u0259rk\u0259zl\u0259\u015fdiyi v\u0259 b\u00f6lg\u0259l\u0259rin iqtisadi inki\u015fafdan xeyli geri qald\u0131\u011f\u0131 g\u00f6r\u00fcn\u00fcr. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn bildir\u0259k ki, ilin ilk 10 ay\u0131n\u0131n g\u00f6st\u0259ricil\u0259rin\u0259 \u0259sas\u0259n, kredit portfelinin 75,8%-i, \u0259man\u0259tl\u0259rin is\u0259 87%-i paytaxt\u0131n pay\u0131na d\u00fc\u015f\u00fcr.<\/p>\n\n\n\n

Yanvar-oktyabr aylar\u0131 \u0259rzind\u0259 Bak\u0131da yerl\u0259\u015f\u0259n kommersiya banklar\u0131 t\u0259r\u0259find\u0259n 22,3 milyard manat kredit y\u00f6n\u0259ldilib. \u018fhaliy\u0259 t\u0259qdim edil\u0259n bu kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 12,7% t\u0259\u015fkil edib. Paytaxtdak\u0131 bank filiallar\u0131 \u0259halid\u0259n 13,9 milyard manat \u0259man\u0259t c\u0259lb edib. Bak\u0131 \u00fczr\u0259 kredit v\u0259 \u0259man\u0259t faizl\u0259ri aras\u0131ndak\u0131 marja 7,7 faiz b\u0259nd t\u0259sbit edilib. \u00d6lk\u0259nin maliyy\u0259sinin b\u00f6y\u00fck hiss\u0259si bu iqtisadi rayona y\u00f6n\u0259lm\u0259sin\u0259 baxmayaraq, Bak\u0131 \u00fczr\u0259 marja geni\u015fliyi inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rin standartlar\u0131ndan a\u015fa\u011f\u0131da qal\u0131r. Halbuki y\u00fcks\u0259k likvidlik, a\u015fa\u011f\u0131 riskl\u0259r v\u0259 g\u00fccl\u00fc r\u0259qab\u0259t banklara daha ucuz kredit siyas\u0259ti h\u0259yata ke\u00e7irm\u0259y\u0259 imkan verir.<\/p>\n\n\n\n

Regionlarda banklar\u0131n maliyy\u0259 \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 v\u0259 bahal\u0131 kreditl\u0259ri<\/strong><\/h4>\n\n\n\n

Dig\u0259r iqtisadi rayonlar\u0131 t\u0259hlil etdikd\u0259 is\u0259 Bak\u0131 il\u0259 aralar\u0131nda bir u\u00e7urumun oldu\u011fu m\u00fc\u015fahid\u0259 olunur. M\u0259s\u0259l\u0259n, Bak\u0131dan sonra ikinci \u0259n b\u00f6y\u00fck kredit portfelin\u0259 sahib olan iqtisadi rayon Ab\u015feron-X\u0131z\u0131d\u0131. Bu b\u00f6lg\u0259nin kredit portfelind\u0259 pay\u0131 c\u0259mi 4,05%-dir. \u0130lin ilk 10 ay\u0131nda bu iqtisadi rayon \u00fczr\u0259 kredit qoyulu\u015flar\u0131 1,2 milyard manat, c\u0259lb edil\u0259n \u0259man\u0259tl\u0259r is\u0259 600 milyon manat t\u0259\u015fkil edib. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 16,6% olmaqla, respublika \u00fczr\u0259 orta g\u00f6st\u0259ricid\u0259n y\u00fcks\u0259kdir. \u018fman\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259si 6,8% t\u0259\u015fkil edib v\u0259 bununla \u0259man\u0259t v\u0259 kredit faizl\u0259ri aras\u0131ndak\u0131 marja 9,8 faiz b\u0259nd t\u0259sbit edilib. <\/p>\n\n\n\n

\u00dcmumiyy\u0259tl\u0259, paytaxt istisna olmaqla, dig\u0259r iqtisadi rayonlar \u00fczr\u0259 apar\u0131lan t\u0259hlill\u0259r g\u00f6st\u0259rir ki, kredit qoyulu\u015flar\u0131 il\u0259 \u0259man\u0259t h\u0259cml\u0259ri aras\u0131nda k\u0259skin f\u0259rq m\u00f6vcuddur. H\u0259tta b\u0259zi regionlarda kredit h\u0259cminin \u0259man\u0259t h\u0259cmind\u0259n 6 d\u0259f\u0259 \u00e7ox oldu\u011funu g\u00f6rm\u0259k olur.<\/p>\n\n\n\n

N\u00f6vb\u0259ti yerd\u0259 G\u0259nc\u0259-Da\u015fk\u0259s\u0259n iqtisadi rayonu g\u0259lir ki, noyabr\u0131n 1-n\u0259 olan m\u0259lumata g\u00f6r\u0259, bu regionda banklar t\u0259r\u0259find\u0259n qoyulan kreditl\u0259rin h\u0259cmi 882,5 milyon manat, \u0259man\u0259tl\u0259rin h\u0259cmi is\u0259 265 milyon manat olub. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 17,8%, \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259si is\u0259 6,7% t\u0259\u015fkil edir. Bel\u0259likl\u0259, faiz marjas\u0131 t\u0259xmin\u0259n 11,1 faiz b\u0259nddir.<\/p>\n\n\n\n

Nax\u00e7\u0131van iqtisadi rayonu \u00f6lk\u0259 \u00fczr\u0259 kredit portfelinin 1,68%-ni t\u0259\u015fkil edir \u2013 493,5 milyon manat. C\u0259lb edil\u0259n \u00fcmumi \u0259man\u0259tl\u0259rin h\u0259cmi is\u0259 79,7 milyon manatd\u0131r. Burada kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 15,2%, \u0259man\u0259tl\u0259rin orta faizi is\u0259 5,2%-dir. Faizl\u0259r aras\u0131ndak\u0131 marja 10 faiz b\u0259nd t\u0259\u015fkil edir. \u00dcmumiyy\u0259tl\u0259, Nax\u00e7\u0131van iqtisadi rayonunda kreditl\u0259rin h\u0259cmi \u0259man\u0259t bazas\u0131na nisb\u0259t\u0259n \u00e7ox b\u00f6y\u00fckd\u00fcr.<\/p>\n\n\n\n

Da\u011fl\u0131q \u015eirvan iqtisadi rayonunun is\u0259 kredit portfeli 205,9 milyon manat, \u0259man\u0259tl\u0259rin h\u0259cmi 50,6 milyon manatd\u0131r. Burada da kreditl\u0259rl\u0259 \u0259man\u0259tl\u0259rin h\u0259cml\u0259ri aras\u0131nda k\u0259skin f\u0259rq m\u00f6vcuddur. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 20%, \u0259man\u0259tl\u0259rin is\u0259 5,7% t\u0259\u015fkil edir v\u0259 faiz marjas\u0131 13,9 faiz b\u0259nddir. Bel\u0259likl\u0259, Da\u011fl\u0131q \u015eirvan iqtisadi rayonu \u00f6lk\u0259d\u0259 \u0259n bahal\u0131 kredit t\u0259klif ed\u0259n b\u00f6lg\u0259l\u0259rd\u0259n biridir. Ki\u00e7ik portfel pay\u0131 v\u0259 y\u00fcks\u0259k kredit faizl\u0259ri regionun iqtisadi riskinin y\u00fcks\u0259k oldu\u011funu g\u00f6st\u0259rir.<\/p>\n\n\n\n

Qaraba\u011f iqtisadi rayonunda marja geni\u015fliyi 14,2 faiz b\u0259nd t\u0259\u015fkil edir. Burada kredit qoyulu\u015fu 524,5 milyon manat, c\u0259lb edil\u0259n \u0259man\u0259tl\u0259rin h\u0259cmi is\u0259 106,3 milyon manatd\u0131r. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 19,7%, \u0259man\u0259tl\u0259rin orta faizi is\u0259 5,3% olmaqla, \u00e7ox y\u00fcks\u0259k marja geni\u015fliyin\u0259 malik oldu\u011fu g\u00f6r\u00fcn\u00fcr.<\/p>\n\n\n\n

Qazax-Tovuz iqtisadi rayonunda is\u0259 ilin ilk 10 ay\u0131nda 562,9 milyon manat kredit qoyulu\u015fu h\u0259yata ke\u00e7irilib. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 19,5%, c\u0259lb edil\u0259n \u0259man\u0259tl\u0259rin h\u0259cmi 135,2 milyon manat, \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259si is\u0259 6,4% t\u0259\u015fkil edib. Bel\u0259likl\u0259, marja 13,1 faiz b\u0259nd olub.<\/p>\n\n\n\n

L\u0259nk\u0259ran-Astara iqtisadi rayonunda kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 19,7% t\u0259\u015fkil edib. Bu ilin yanvar-oktyabr aylar\u0131nda burada 704,1 milyon manatl\u0131q kredit qoyulu\u015fu h\u0259yata ke\u00e7irilib. S\u00f6z\u00fcged\u0259n iqtisadi rayon \u00fczr\u0259 \u0259man\u0259tl\u0259rin h\u0259cmi 148 milyon manat, orta faiz d\u0259r\u0259c\u0259si is\u0259 4,8% t\u0259\u015fkil edib. Burada kredit v\u0259 \u0259man\u0259t faizl\u0259ri aras\u0131ndak\u0131 marja 13,6 faiz b\u0259nd olub.<\/p>\n\n\n\n

M\u0259rk\u0259zi Aran iqtisadi rayonunda banklar t\u0259r\u0259find\u0259n 594,6 milyon manatl\u0131q kredit qoyulu\u015fu h\u0259yata ke\u00e7irilib. Bu kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 19,7% t\u0259\u015fkil edib. C\u0259lb edil\u0259n \u0259man\u0259tl\u0259rin h\u0259cmi 140,1 milyon manat olub v\u0259 onlar\u0131n orta faiz d\u0259r\u0259c\u0259si 6,3% olub. N\u0259tic\u0259d\u0259 kredit v\u0259 \u0259man\u0259t faizl\u0259ri aras\u0131ndak\u0131 marjan\u0131n 13,3 faiz b\u0259nd \u00e7ox oldu\u011funu g\u00f6r\u0259 bilirik.<\/p>\n\n\n\n

Quba-Xa\u00e7maz iqtisadi rayonunda kredit qoyulu\u015flar\u0131n\u0131n h\u0259cmi 511,6 milyon manat, \u0259man\u0259tl\u0259rin h\u0259cmi is\u0259 162,5 milyon manat t\u0259\u015fkil edib. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 18%, \u0259man\u0259tl\u0259rin is\u0259 6,2% olub. Bel\u0259likl\u0259, faiz marjas\u0131 11,8 faiz b\u0259nd t\u0259sbit edilir.<\/p>\n\n\n\n

Mil-Mu\u011fan iqtisadi rayonunda banklar t\u0259r\u0259find\u0259n 341,5 milyon manat kredit v\u0259 53,3 milyon manat \u0259man\u0259t c\u0259lb edilib. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 19,6%, \u0259man\u0259tl\u0259rin is\u0259 4,1% t\u0259\u015fkil edib. Bu b\u00f6lg\u0259d\u0259 kredit v\u0259 \u0259man\u0259t faizl\u0259ri aras\u0131ndak\u0131 marja 15,5 faiz b\u0259nd olmaqla, \u00f6lk\u0259d\u0259 \u0259n y\u00fcks\u0259k s\u0259viyy\u0259d\u0259dir. Bunun ba\u015fl\u0131ca s\u0259b\u0259bi \u0259man\u0259t h\u0259cminin kreditl\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 k\u0259skin a\u015fa\u011f\u0131 olmas\u0131d\u0131r. Resurslar\u0131n azl\u0131\u011f\u0131 kreditl\u0259rin bahala\u015fmas\u0131na s\u0259b\u0259b olur v\u0259 bu, banklar\u0131n minimal r\u0259qab\u0259tl\u0259 i\u015fl\u0259diyini v\u0259 y\u00fcks\u0259k risk faktorunun m\u00f6vcud oldu\u011funu g\u00f6st\u0259rir.<\/p>\n\n\n\n

\u015e\u0259ki-Zaqatala iqtisadi rayonunda banklar 610,1 milyon manat kredit qoyulu\u015fu, 145,8 milyon manat \u0259man\u0259t c\u0259lb ed\u0259 bilib. Kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si 17,32%, \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259si is\u0259 5,4% t\u0259\u015fkil edib. Bu regionda kreditl\u0259rl\u0259 \u0259man\u0259tl\u0259r aras\u0131ndak\u0131 marja 12 faiz b\u0259nddir.<\/p>\n\n\n\n

\u015eirvan-Salyan iqtisadi rayonunda faiz marjas\u0131 14,7 faiz b\u0259nd t\u0259\u015fkil edir. Burada banklar 468 milyon manat kreditl\u0259ri orta 19,6% faizl\u0259 t\u0259qdim edib. C\u0259lb edil\u0259n \u0259man\u0259tl\u0259rin h\u0259cmi 81 milyon manat olub v\u0259 orta faiz d\u0259r\u0259c\u0259si 4,9% t\u0259\u015fkil edib.<\/p>\n\n\n\n

\u00dcmumiyy\u0259tl\u0259, Bak\u0131 istisna olmaqla, dig\u0259r iqtisadi rayonlar \u00fczr\u0259 kredit v\u0259 \u0259man\u0259tl\u0259rin h\u0259cml\u0259ri \u00fcmumi portfeld\u0259 1-3% paya malikdir. Ekspertl\u0259r qeyd edirl\u0259r ki, regionlar\u0131n kredit v\u0259 \u0259man\u0259t portfelind\u0259 paylar\u0131n\u0131n a\u015fa\u011f\u0131 olmas\u0131 il\u0259 yana\u015f\u0131, onlar\u0131n h\u0259cml\u0259ri aras\u0131nda da ciddi f\u0259rq m\u00f6vcuddur. Y\u0259ni veril\u0259n kreditl\u0259r c\u0259lb edil\u0259n \u0259man\u0259tl\u0259rd\u0259n bir ne\u00e7\u0259 d\u0259f\u0259 \u00e7ox olur. Onar\u0131n fikrinc\u0259, regionlarda y\u00fcks\u0259k faizl\u0259r v\u0259 az portfel pay\u0131 h\u0259min b\u00f6lg\u0259l\u0259rd\u0259 iqtisadi f\u0259all\u0131\u011f\u0131n a\u015fa\u011f\u0131 oldu\u011funu g\u00f6st\u0259rir. Banklar\u0131n regional filiallar\u0131 daha az maliyy\u0259 resurslar\u0131 c\u0259lb etdikl\u0259ri \u00fc\u00e7\u00fcn x\u0259rcl\u0259rini bahal\u0131 kredit siyas\u0259ti il\u0259 \u00f6d\u0259m\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar. Bu is\u0259 v\u0259t\u0259nda\u015flar\u0131n ucuz maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f\u0131n\u0131 \u00e7\u0259tinl\u0259\u015fdirir, problemli kreditl\u0259ri art\u0131r\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00d6lk\u0259 \u00fczr\u0259 kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259sind\u0259n … <\/p>\n

Davam\u0131<\/a><\/p>\n","protected":false},"author":16,"featured_media":338559,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[53,79,56],"tags":[],"class_list":["post-338554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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":"\n\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r? - 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\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r? - MEYDAN.TV\" \/>\n<meta property=\"og:description\" content=\"\u00d6lk\u0259 \u00fczr\u0259 kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259sind\u0259n ... Davam\u0131\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/\" \/>\n<meta property=\"og:site_name\" content=\"MEYDAN.TV\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-03T10:30:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-03T10:30:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.meydan.tv\/wp-content\/uploads\/shutterstock_2517419083.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"531\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"sevda\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/\"},\"author\":{\"name\":\"sevda\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#\\\/schema\\\/person\\\/49b5f2bad5b126bb8ea9320eeb3e4dc9\"},\"headline\":\"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r?\",\"datePublished\":\"2025-12-03T10:30:46+00:00\",\"dateModified\":\"2025-12-03T10:30:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/\"},\"wordCount\":1853,\"publisher\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.meydan.tv\\\/wp-content\\\/uploads\\\/shutterstock_2517419083.jpg\",\"articleSection\":[\"\u0130qtisadiyyat\",\"T\u00f6vsiy\u0259\",\"X\u0259b\u0259rl\u0259r\"],\"inLanguage\":\"az\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/\",\"url\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/\",\"name\":\"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r? - MEYDAN.TV\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.meydan.tv\\\/wp-content\\\/uploads\\\/shutterstock_2517419083.jpg\",\"datePublished\":\"2025-12-03T10:30:46+00:00\",\"dateModified\":\"2025-12-03T10:30:49+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/#breadcrumb\"},\"inLanguage\":\"az\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"az\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.meydan.tv\\\/wp-content\\\/uploads\\\/shutterstock_2517419083.jpg\",\"contentUrl\":\"https:\\\/\\\/www.meydan.tv\\\/wp-content\\\/uploads\\\/shutterstock_2517419083.jpg\",\"width\":1000,\"height\":531,\"caption\":\"Foto: Sutthiphong Chandaeng\\\\shutterstock\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/article\\\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Ana s\u0259hif\u0259\",\"item\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u0130qtisadiyyat\",\"item\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/section\\\/iqtisadiyyat\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#website\",\"url\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/\",\"name\":\"MEYDAN.TV\",\"description\":\"Meydan TV Az\u0259rbaycan\u0131n media m\u0259kan\u0131ndak\u0131 alternativ s\u0259sidir\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"az\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#organization\",\"name\":\"Meydan TV\",\"url\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"az\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.meydan.tv\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/meydan-logo.svg\",\"contentUrl\":\"https:\\\/\\\/www.meydan.tv\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/meydan-logo.svg\",\"width\":195,\"height\":46,\"caption\":\"Meydan TV\"},\"image\":{\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.meydan.tv\\\/az\\\/#\\\/schema\\\/person\\\/49b5f2bad5b126bb8ea9320eeb3e4dc9\",\"name\":\"sevda\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r? - MEYDAN.TV","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/","og_locale":"az_AZ","og_type":"article","og_title":"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r? - MEYDAN.TV","og_description":"\u00d6lk\u0259 \u00fczr\u0259 kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si \u0259man\u0259tl\u0259rin orta faiz d\u0259r\u0259c\u0259sind\u0259n ... Davam\u0131","og_url":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/","og_site_name":"MEYDAN.TV","article_published_time":"2025-12-03T10:30:46+00:00","article_modified_time":"2025-12-03T10:30:49+00:00","og_image":[{"width":1000,"height":531,"url":"https:\/\/www.meydan.tv\/wp-content\/uploads\/shutterstock_2517419083.jpg","type":"image\/jpeg"}],"author":"sevda","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/#article","isPartOf":{"@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/"},"author":{"name":"sevda","@id":"https:\/\/www.meydan.tv\/az\/#\/schema\/person\/49b5f2bad5b126bb8ea9320eeb3e4dc9"},"headline":"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r?","datePublished":"2025-12-03T10:30:46+00:00","dateModified":"2025-12-03T10:30:49+00:00","mainEntityOfPage":{"@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/"},"wordCount":1853,"publisher":{"@id":"https:\/\/www.meydan.tv\/az\/#organization"},"image":{"@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/#primaryimage"},"thumbnailUrl":"https:\/\/www.meydan.tv\/wp-content\/uploads\/shutterstock_2517419083.jpg","articleSection":["\u0130qtisadiyyat","T\u00f6vsiy\u0259","X\u0259b\u0259rl\u0259r"],"inLanguage":"az"},{"@type":"WebPage","@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/","url":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/","name":"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r? - MEYDAN.TV","isPartOf":{"@id":"https:\/\/www.meydan.tv\/az\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/#primaryimage"},"image":{"@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/#primaryimage"},"thumbnailUrl":"https:\/\/www.meydan.tv\/wp-content\/uploads\/shutterstock_2517419083.jpg","datePublished":"2025-12-03T10:30:46+00:00","dateModified":"2025-12-03T10:30:49+00:00","breadcrumb":{"@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/#breadcrumb"},"inLanguage":"az","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/"]}]},{"@type":"ImageObject","inLanguage":"az","@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/#primaryimage","url":"https:\/\/www.meydan.tv\/wp-content\/uploads\/shutterstock_2517419083.jpg","contentUrl":"https:\/\/www.meydan.tv\/wp-content\/uploads\/shutterstock_2517419083.jpg","width":1000,"height":531,"caption":"Foto: Sutthiphong Chandaeng\\shutterstock"},{"@type":"BreadcrumbList","@id":"https:\/\/www.meydan.tv\/az\/article\/en-bahali-kredit-t%c9%99klif-ed%c9%99n-regionlar-hansilardir\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Ana s\u0259hif\u0259","item":"https:\/\/www.meydan.tv\/az\/"},{"@type":"ListItem","position":2,"name":"\u0130qtisadiyyat","item":"https:\/\/www.meydan.tv\/az\/section\/iqtisadiyyat\/"},{"@type":"ListItem","position":3,"name":"\u018fn bahal\u0131 kredit t\u0259klif ed\u0259n regionlar hans\u0131lard\u0131r?"}]},{"@type":"WebSite","@id":"https:\/\/www.meydan.tv\/az\/#website","url":"https:\/\/www.meydan.tv\/az\/","name":"MEYDAN.TV","description":"Meydan TV Az\u0259rbaycan\u0131n media m\u0259kan\u0131ndak\u0131 alternativ s\u0259sidir","publisher":{"@id":"https:\/\/www.meydan.tv\/az\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.meydan.tv\/az\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"az"},{"@type":"Organization","@id":"https:\/\/www.meydan.tv\/az\/#organization","name":"Meydan TV","url":"https:\/\/www.meydan.tv\/az\/","logo":{"@type":"ImageObject","inLanguage":"az","@id":"https:\/\/www.meydan.tv\/az\/#\/schema\/logo\/image\/","url":"https:\/\/www.meydan.tv\/wp-content\/uploads\/2021\/07\/meydan-logo.svg","contentUrl":"https:\/\/www.meydan.tv\/wp-content\/uploads\/2021\/07\/meydan-logo.svg","width":195,"height":46,"caption":"Meydan TV"},"image":{"@id":"https:\/\/www.meydan.tv\/az\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.meydan.tv\/az\/#\/schema\/person\/49b5f2bad5b126bb8ea9320eeb3e4dc9","name":"sevda"}]}},"_links":{"self":[{"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/posts\/338554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/comments?post=338554"}],"version-history":[{"count":1,"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/posts\/338554\/revisions"}],"predecessor-version":[{"id":338558,"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/posts\/338554\/revisions\/338558"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/media\/338559"}],"wp:attachment":[{"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/media?parent=338554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/categories?post=338554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.meydan.tv\/az\/wp-json\/wp\/v2\/tags?post=338554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}