{"id":21589,"date":"2026-01-02T19:05:52","date_gmt":"2026-01-02T19:05:52","guid":{"rendered":"https:\/\/millitv.net\/?p=21589"},"modified":"2026-01-02T19:05:53","modified_gmt":"2026-01-02T19:05:53","slug":"kredit-faizl%c9%99ri-il%c9%99-bagli-vacib-xeber-bu-q%c9%99d%c9%99r-azala-bil%c9%99r","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=21589","title":{"rendered":"Kredit faizl\u0259ri il\u0259 ba\u011fl\u0131 VAC\u0130B X\u018fB\u018fR &#8211; Bu q\u0259d\u0259r azala bil\u0259r"},"content":{"rendered":"\n<p><strong>Son zamanlar b\u0259zi banklarda faizd\u0259n d\u0259 faiz tutulur. Bel\u0259 ki, borc g\u00f6t\u00fcr\u0259nl\u0259r m\u00fc\u0259yy\u0259n maliyy\u0259 \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 s\u0259b\u0259bind\u0259n borc \u00f6hd\u0259liyini yerin\u0259 yetir\u0259 bilmir. Bu halda faiz borcu yaran\u0131r. Faiz borcuna \u0259lav\u0259 faizin hesablanmas\u0131, borc miqdar\u0131n\u0131n artmas\u0131na v\u0259 \u00f6d\u0259m\u0259nin daha da \u00e7\u0259tinl\u0259\u015fm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xar\u0131r.<\/strong><\/p>\n\n\n\n<p><strong>\u201cKredit m\u00fcqavil\u0259sind\u0259 qeyd olunmay\u0131bsa&#8230;\u201d<\/strong><\/p>\n\n\n\n<p>M\u00f6vzu il\u0259 ba\u011fl\u0131 Bizim.Media-ya dan\u0131\u015fan Liberal \u0130qtisad\u00e7\u0131lar M\u0259rk\u0259zinin s\u0259dri Akif N\u0259sirli deyib ki, \u00fcmumiyy\u0259tl\u0259 bank\u0131n gecikm\u0259y\u0259 g\u00f6r\u0259 yaranm\u0131\u015f faiz borcunun \u00f6z\u00fcn\u0259 yenid\u0259n faiz hesablamas\u0131 qanuni say\u0131lm\u0131r:<\/p>\n\n\n\n<p>\u201cAz\u0259rbaycan h\u00fcququnda \u0259sas prinsip ondan ibar\u0259tdir ki, \u0259sas borca faiz tutulmas\u0131 m\u00fcmk\u00fcnd\u00fcr, \u00f6d\u0259ni\u015f gecikdikd\u0259 is\u0259 \u0259lav\u0259 olaraq penya v\u0259 ya gecikm\u0259 faizi t\u0259tbiq edil\u0259 bil\u0259r. Ancaq art\u0131q hesablanm\u0131\u015f faiz m\u0259bl\u0259\u011finin \u00fcz\u0259rin\u0259 yenid\u0259n faiz tutulmas\u0131 yaln\u0131z kredit m\u00fcqavil\u0259sind\u0259 a\u00e7\u0131q v\u0259 birm\u0259nal\u0131 \u015f\u0259kild\u0259 g\u00f6st\u0259rildiyi halda v\u0259 istehlak\u00e7\u0131n\u0131n h\u00fcquqlar\u0131n\u0131 pozmad\u0131\u011f\u0131 v\u0259ziyy\u0259tl\u0259rd\u0259 m\u00fcmk\u00fcn hesab oluna bil\u0259r.<\/p>\n\n\n\n<p>\u018fg\u0259r m\u00fcqavil\u0259d\u0259 bu m\u0259s\u0259l\u0259 d\u0259qiq yaz\u0131lmay\u0131bsa v\u0259 ya \u015f\u0259rt borcalan \u00fc\u00e7\u00fcn h\u0259ddind\u0259n art\u0131q a\u011f\u0131rd\u0131rsa, bank\u0131n faizd\u0259n faiz tutmas\u0131 m\u0259hk\u0259m\u0259 t\u0259r\u0259find\u0259n qanunsuz hesab edil\u0259 v\u0259 l\u0259\u011fv oluna bil\u0259r. M\u0259hk\u0259m\u0259 t\u0259cr\u00fcb\u0259sind\u0259 \u00e7ox vaxt yaln\u0131z \u0259sas borcun, \u0259sas faizl\u0259rin v\u0259 a\u011flabatan gecikm\u0259 c\u0259rim\u0259sinin saxlan\u0131lmas\u0131, faizd\u0259n faizin is\u0259 \u00e7\u0131xar\u0131lmas\u0131 hallar\u0131 olur.<\/p>\n\n\n\n<p>Bel\u0259 v\u0259ziyy\u0259td\u0259 borcalan kredit m\u00fcqavil\u0259sini diqq\u0259tl\u0259 yoxlamal\u0131, bankdan yaz\u0131l\u0131 izah t\u0259l\u0259b etm\u0259lidir. Z\u0259rur\u0259t olduqda, borclu m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t ed\u0259r\u0259k bu m\u0259bl\u0259\u011fin qanunsuz tutuldu\u011funu iddia ed\u0259 bil\u0259r\u201d.<\/p>\n\n\n\n<p><strong>Qanunvericiliyin t\u0259l\u0259bi<\/strong><\/p>\n\n\n\n<p>N\u0259z\u0259r\u0259 alaq ki, Az\u0259rbaycan Respublikas\u0131 Ali M\u0259hk\u0259m\u0259sinin M\u00fclki kollegiyas\u0131 borca g\u00f6r\u0259 gecikdirm\u0259 faizl\u0259rinin hesablanmas\u0131 il\u0259 ba\u011fl\u0131 vahid m\u0259hk\u0259m\u0259 t\u0259cr\u00fcb\u0259sini formala\u015fd\u0131ran q\u0259rar q\u0259bul edib.<\/p>\n\n\n\n<p>Ali M\u0259hk\u0259m\u0259 q\u0259rar\u0131nda vur\u011fulan\u0131b ki, Az\u0259rbaycan Respublikas\u0131 M\u00fclki M\u0259c\u0259ll\u0259sinin 445.7 v\u0259 449-cu madd\u0259l\u0259rinin m\u0259zmununa g\u00f6r\u0259 gecikdirm\u0259 faizl\u0259ri yaln\u0131z \u00f6d\u0259nilm\u0259mi\u015f \u0259sas borc m\u0259bl\u0259\u011fi \u00fczr\u0259 v\u0259 yaln\u0131z borcun qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn\u0259d\u0259k hesablanmal\u0131d\u0131r. Daha \u0259vv\u0259l m\u0259hk\u0259m\u0259 q\u0259rar\u0131 il\u0259 tutulmu\u015f faiz borcunun \u0259sas borca \u0259lav\u0259 edil\u0259r\u0259k h\u0259min \u00fcmumi m\u0259bl\u0259\u011f \u00fcz\u0259rind\u0259n yenid\u0259n gecikdirm\u0259 faizinin hesablanmas\u0131 \u201cfaizd\u0259n faiz\u201d tutulmas\u0131 il\u0259 n\u0259tic\u0259l\u0259nir ki, bu da qanunvericilikl\u0259 qada\u011fan edilir.<\/p>\n\n\n\n<p>Ali M\u0259hk\u0259m\u0259 qeyd edib ki, faiz borcunun m\u0259hk\u0259m\u0259 q\u0259rar\u0131 il\u0259 tutulmas\u0131 onun h\u00fcquqi mahiyy\u0259tini d\u0259yi\u015fmir v\u0259 onu \u0259sas borca \u00e7evirmir. Bel\u0259 faiz alaca\u011f\u0131na yenid\u0259n faiz t\u0259l\u0259b edilm\u0259si borclunun v\u0259ziyy\u0259tini qeyri-m\u00fct\u0259nasib \u015f\u0259kild\u0259 a\u011f\u0131rla\u015fd\u0131r\u0131r v\u0259 \u0259dal\u0259t prinsipin\u0259 ziddir.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Son zamanlar b\u0259zi banklarda faizd\u0259n d\u0259 faiz tutulur. Bel\u0259 ki, borc g\u00f6t\u00fcr\u0259nl\u0259r m\u00fc\u0259yy\u0259n maliyy\u0259 \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 s\u0259b\u0259bind\u0259n borc \u00f6hd\u0259liyini yerin\u0259 yetir\u0259 bilmir. Bu halda faiz borcu yaran\u0131r. Faiz borcuna \u0259lav\u0259 faizin hesablanmas\u0131, borc miqdar\u0131n\u0131n artmas\u0131na v\u0259 \u00f6d\u0259m\u0259nin daha da \u00e7\u0259tinl\u0259\u015fm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xar\u0131r. \u201cKredit m\u00fcqavil\u0259sind\u0259 qeyd olunmay\u0131bsa&#8230;\u201d M\u00f6vzu il\u0259 ba\u011fl\u0131 Bizim.Media-ya dan\u0131\u015fan Liberal \u0130qtisad\u00e7\u0131lar M\u0259rk\u0259zinin s\u0259dri Akif &hellip;<\/p>\n","protected":false},"author":1,"featured_media":21590,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21589","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idman"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/21589","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=21589"}],"version-history":[{"count":1,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/21589\/revisions"}],"predecessor-version":[{"id":21591,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/21589\/revisions\/21591"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/21590"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21589"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21589"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21589"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}