{"id":11485,"date":"2024-05-05T13:10:26","date_gmt":"2024-05-05T13:10:26","guid":{"rendered":"https:\/\/millitv.net\/?p=11485"},"modified":"2024-05-05T13:10:28","modified_gmt":"2024-05-05T13:10:28","slug":"kredit-gotur%C9%99n-s%C9%99xsl%C9%99rin-diqqetine","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=11485","title":{"rendered":"Kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259rin  D\u0130QQ\u018fT\u0130N\u018f"},"content":{"rendered":"\n<p><strong>Son vaxtlarda v\u0259t\u0259nda\u015flar kredit \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn BOKT-lara daha \u00e7ox \u00fcz tutma\u011fa ba\u015flay\u0131blar.<\/strong><\/p>\n\n\n\n<p>M\u0259rk\u0259zi Bankdan ald\u0131\u011f\u0131 lisenziya \u0259sas\u0131nda t\u0259minatl\u0131 v\u0259 t\u0259minats\u0131z kreditl\u0259r ver\u0259 bil\u0259n BOKT-lar\u0131n f\u0259aliyy\u0259ti v\u0259 \u00fcst\u00fcn c\u0259h\u0259tl\u0259ri bar\u0259d\u0259 MilliTv.NET-a iqtisad\u00e7\u0131 Rauf Qarayev a\u00e7\u0131qlama verib. O bildirib ki, banklardan daha tez kredit ver\u0259 bil\u0259n BOKT-larda faiz nisb\u0259ti daha y\u00fcks\u0259k ola bil\u0259r:<\/p>\n\n\n\n<p>\u201cBanklar\u0131n imkanlar\u0131 daha geni\u015f oldu\u011fu \u00fc\u00e7\u00fcn onlar da kreditl\u0259rin verilm\u0259sind\u0259 m\u00fc\u0259yy\u0259n n\u00fcanslardan istifad\u0259 edib \u00f6zl\u0259rin\u0259 m\u00fc\u015ft\u0259ri c\u0259lb ed\u0259 bilirl\u0259r. BOKT-lar\u0131n da bazarda olmas\u0131 m\u00fcsb\u0259t hald\u0131r. \u00c7\u00fcnki bazarda imkanlar geni\u015f olmal\u0131d\u0131r ki, m\u00fc\u015ft\u0259ri ist\u0259diyi m\u0259hsulu oradan ala bilsin. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, onlar\u0131n m\u00f6vcud olmamas\u0131 da bir s\u0131ra \u00e7\u0259tinlikl\u0259rl\u0259 yana\u015f\u0131, banklar\u0131n i\u015fini art\u0131ra bil\u0259r. Hesab edir\u0259m ki, m\u0259hz bu bax\u0131mdan M\u0259rk\u0259zi Bank BOKT-lar\u0131n f\u0259aliyy\u0259tin\u0259 ciddi yana\u015f\u0131r\u201d.<\/p>\n\n\n\n<p>Ekspert qeyd edib ki, BOKT-lardan kredit g\u00f6t\u00fcr\u0259n zaman m\u00fc\u015ft\u0259ril\u0259r \u00e7\u0131x\u0131lmaz v\u0259ziyy\u0259td\u0259 qalmamaq \u00fc\u00e7\u00fcn m\u00fcqavil\u0259 \u015f\u0259rtl\u0259rini diqq\u0259tl\u0259 oxumal\u0131d\u0131rlar:<\/p>\n\n\n\n<p>\u201cM\u00fc\u015ft\u0259ri \u0259g\u0259r m\u00fcqavil\u0259ni diqq\u0259tl\u0259 oxuyub, n\u00fcanslar\u0131 diqq\u0259tl\u0259 n\u0259z\u0259r\u0259 al\u0131rsa, \u00f6d\u0259ni\u015fl\u0259rin qaytar\u0131lmas\u0131 zaman\u0131 \u00e7\u0131x\u0131lmaz v\u0259ziyy\u0259td\u0259 qalmaya bil\u0259r. V\u0259t\u0259nda\u015flar b\u0259z\u0259n m\u00fcqavil\u0259l\u0259r\u0259 diqq\u0259t etmirl\u0259r, \u00e7\u00fcnki s\u0259n\u0259dl\u0259\u015fm\u0259 prosesi onlara cans\u0131x\u0131c\u0131 olur. Amma vacib m\u0259qamlardan biri d\u0259 odur ki, kredit borcu m\u00fcqavil\u0259l\u0259ri t\u0259rtib olunan zaman h\u00fcquq\u015f\u00fcnaslar c\u00fcml\u0259l\u0259r aras\u0131nda m\u00fc\u0259yy\u0259n n\u00fcanslar\u0131 gizl\u0259dirl\u0259r. M\u00fc\u015ft\u0259ril\u0259r sonradan problem ya\u015famaq ist\u0259mirl\u0259rs\u0259, m\u00fctl\u0259q kredit g\u00f6t\u00fcr\u0259n zaman h\u00fcquq\u015f\u00fcnas\u0131n r\u0259yini dinl\u0259m\u0259lidirl\u0259r. \u018fks halda itir\u0259n m\u00fc\u015ft\u0259ri olur\u201d.<\/p>\n\n\n\n<p>Bank sektoru \u00fczr\u0259 m\u00fct\u0259x\u0259ssis \u018fkr\u0259m H\u0259s\u0259nov bildirib ki, BOKT-lardan kredit g\u00f6t\u00fcr\u0259n v\u0259t\u0259nda\u015flar bilm\u0259lidir ki, qaydalar banklarda oldu\u011fu kimi eynidir:<\/p>\n\n\n\n<p>\u201cV\u0259t\u0259nda\u015f g\u00f6t\u00fcrd\u00fcy\u00fc krediti geri qaytara bilm\u0259diyi \u00fc\u00e7\u00fcn \u0259mlak\u0131n\u0131 borc qar\u015f\u0131s\u0131nda girov qoyubsa, h\u0259min t\u0259\u015fkilat m\u0259hk\u0259m\u0259 yolu il\u0259 borcunu t\u0259l\u0259b ed\u0259 bil\u0259r. Amma v\u0259t\u0259nda\u015f \u0259mlak\u0131n\u0131 girov qoymay\u0131bsa, bu zaman bankda oldu\u011fu kimi burdada he\u00e7 n\u0259 verm\u0259li deyil. \u00dcmumiyy\u0259tl\u0259, \u0259ks\u0259r hallarda v\u0259t\u0259nda\u015flar onlara laz\u0131m olmad\u0131\u011f\u0131 halda bel\u0259 kredit g\u00f6t\u00fcrm\u0259y\u0259 c\u0259hdl\u0259r edirl\u0259r. Bu da onlar\u0131n uzunm\u00fcdd\u0259tli faizl\u0259rl\u0259 \u0259lav\u0259 borclanmas\u0131na s\u0259b\u0259b olur\u201d.<\/p>\n\n\n\n<p>Qeyd ed\u0259k ki, \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n, aktivl\u0259rinin h\u0259cmi 10 milyon manatdan y\u00fcks\u0259k olan c\u0259mi 18 kredit t\u0259\u015fkilat\u0131 m\u00f6vcuddur. Bu t\u0259\u015fkilatlar\u0131n c\u0259mi aktivl\u0259ri BOKT sektorunun 81%-i (500 mln. manat) t\u0259\u015fkil edir. Sektor \u00fczr\u0259 veril\u0259n kreditl\u0259rin 60%-i Bak\u0131 \u015f\u0259h\u0259ri \u00fczr\u0259dir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Son vaxtlarda v\u0259t\u0259nda\u015flar kredit \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn BOKT-lara daha \u00e7ox \u00fcz tutma\u011fa ba\u015flay\u0131blar. M\u0259rk\u0259zi Bankdan ald\u0131\u011f\u0131 lisenziya \u0259sas\u0131nda t\u0259minatl\u0131 v\u0259 t\u0259minats\u0131z kreditl\u0259r ver\u0259 bil\u0259n BOKT-lar\u0131n f\u0259aliyy\u0259ti v\u0259 \u00fcst\u00fcn c\u0259h\u0259tl\u0259ri bar\u0259d\u0259 MilliTv.NET-a iqtisad\u00e7\u0131 Rauf Qarayev a\u00e7\u0131qlama verib. O bildirib ki, banklardan daha tez kredit ver\u0259 bil\u0259n BOKT-larda faiz nisb\u0259ti daha y\u00fcks\u0259k ola bil\u0259r: \u201cBanklar\u0131n imkanlar\u0131 daha &hellip;<\/p>\n","protected":false},"author":1,"featured_media":11486,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,6,3],"tags":[],"class_list":["post-11485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-maraqli","category-maqazin","category-olke"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/11485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11485"}],"version-history":[{"count":1,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/11485\/revisions"}],"predecessor-version":[{"id":11487,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/11485\/revisions\/11487"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/11486"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}