{"id":4612,"date":"2023-10-24T12:17:09","date_gmt":"2023-10-24T12:17:09","guid":{"rendered":"https:\/\/millinews.az\/xeber\/az%C9%99rbaycanda-%C9%99hali-bankdan-krediti-n%C9%99-ucun-gorurur\/"},"modified":"2023-10-24T12:17:09","modified_gmt":"2023-10-24T12:17:09","slug":"az%C9%99rbaycanda-%C9%99hali-bankdan-krediti-n%C9%99-ucun-gorurur","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=4612","title":{"rendered":"Az\u0259rbaycanda \u0259hali bankdan krediti n\u0259 \u00fc\u00e7\u00fcn g\u00f6r\u00fcr\u00fcr?"},"content":{"rendered":"<div id=\"maincontent\">&#13;<br \/>\n        &#13;<\/p>\n<p><strong>Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) m\u0259lumat\u0131na g\u00f6r\u0259, bu ilin ikinci r\u00fcb\u00fcnd\u0259 Az\u0259rbaycan banklar\u0131nda istehlak kreditl\u0259rin\u0259 t\u0259l\u0259b 29 faiz art\u0131b.<\/strong><\/p>\n<p> 2023-c\u00fc ilin birinci yar\u0131s\u0131nda Az\u0259rbaycan banklar\u0131n\u0131n istehlak kreditl\u0259ri portfeli 9.9% v\u0259 ya 571 milyon manat artaraq 6.3 milyard manat t\u0259\u015fkil edib. 2023-c\u00fc ilin birinci yar\u0131s\u0131nda biznes kreditl\u0259ri 7.3% (795 milyon manat) artaraq 11.7 milyard manat t\u0259\u015fkil edib. 2023-c\u00fc ilin sonuna banklar\u0131n kredit portfelinin strukturunda 55% biznes kreditl\u0259rinin pay\u0131na d\u00fc\u015f\u00fcr. &#13;\n  <\/p>\n<p>Az\u0259rbaycanla m\u00fcqayis\u0259d\u0259 Avropada \u0259halinin kreditl\u0259r\u0259 nec\u0259 maraq g\u00f6st\u0259rdiyi il\u0259 ba\u011fl\u0131 <a href=\"https:\/\/Millinews.az\" target=\"_blank\" class=\"kw-link\" rel=\"noopener\">Millinews.az<\/a>-a dan\u0131\u015fan <strong>Almaniyan\u0131n &#8220;Commerz&#8221; Bank\u0131n\u0131n Maliyy\u0259 v\u0259 Riskin \u0130dar\u0259 olunmas\u0131 \u015f\u00f6b\u0259sinin apar\u0131c\u0131 m\u00fct\u0259x\u0259ssisi, iqtisad\u00e7\u0131-ekspert Murad Calalov<\/strong> dedi ki, \u00fcmumiyy\u0259tl\u0259 t\u0259kc\u0259 Az\u0259rbaycanda deyil, biziml\u0259 ortaq m\u0259d\u0259niyy\u0259t\u0259 malik dig\u0259r mill\u0259tl\u0259r d\u0259 istehlak kreditl\u0259rin\u0259 daha \u00e7ox m\u00fcraci\u0259t edirl\u0259r:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/Millinews.az\/uploads\/323\/aac55010be-hhh.png\" width=\"380\" height=\"330\" style=\"width: 380px; height: 330px;\" alt=\"\" title=\"\"><\/p>\n<p>\u201cAz\u0259rbaycanda Avropa \u00f6lk\u0259l\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 daha \u00e7ox istehlak kreditl\u0259rin\u0259 maraq var. M\u0259s\u0259l\u0259 ondad\u0131r ki, Avropada \u0259halinin rifah hal\u0131, ya\u015fay\u0131\u015f s\u0259viyy\u0259si daha y\u00fcks\u0259k oldu\u011fu \u00fc\u00e7\u00fcn onlar t\u0259l\u0259batlar\u0131n\u0131 \u00f6z qazanclar\u0131ndan \u00f6d\u0259y\u0259 bilirl\u0259r. \u0130kinci s\u0259b\u0259b d\u0259 odur ki, Az\u0259rbaycanda insanlar\u0131n maraq v\u0259 ist\u0259kl\u0259ri xarici \u00f6lk\u0259l\u0259rd\u0259 ya\u015fayanlardan daha y\u00fcks\u0259kdir. Bu hal \u00f6z\u00fcn\u00fc h\u0259m m\u0259nzil v\u0259 ya\u015fay\u0131\u015f s\u0259viyy\u0259sind\u0259, h\u0259m s\u00fcrd\u00fcy\u00fc ma\u015f\u0131nlarda, h\u0259tta i\u015fl\u0259tdiyi elektrik m\u0259hsullar\u0131nda bel\u0259 biruz\u0259 verir. \u018fhali daha \u00e7ox l\u00fcks\u0259 d\u0259y\u0259r verdikc\u0259, h\u0259tta qazand\u0131\u011f\u0131 \u0259m\u0259k haqq\u0131 ona alma\u011fa imkan verm\u0259diyi t\u0259qdird\u0259 bel\u0259 bu ist\u0259yin realla\u015fmas\u0131 \u00fc\u00e7\u00fcn kredit alma\u011fa y\u00f6n\u0259lirl\u0259r. Amma Avropada insanlar daha \u00e7ox imkan daxilind\u0259, \u00f6zl\u0259rin\u0259 uy\u011fun \u0259\u015fyalardan istifad\u0259 etdiyi \u00fc\u00e7\u00fcn istehlak kreditl\u0259rin\u0259 m\u00fcraci\u0259t say\u0131 da azd\u0131r\u201d.   <\/p>\n<p>Avropada \u0259halinin daha \u00e7ox ipoteka v\u0259 biznes kreditl\u0259rin\u0259 maraq g\u00f6st\u0259rdiyini vur\u011fulayan ekspert qeyd etdi ki, x\u00fcsusil\u0259 Almaniya, Fransa, \u0130ngilt\u0259r\u0259, o c\u00fcml\u0259d\u0259n Skandaviya \u00f6lk\u0259l\u0259rind\u0259 insanlara 3-5 faizlik uzun m\u00fcdd\u0259tli kreditl\u0259r verilir:  <\/p>\n<p>&#8220;Avro zonas\u0131nda istehlak krediti \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si t\u0259xmin\u0259n 4,7 faiz t\u0259\u015fkil edir. Fransa, Hollandiya v\u0259 Bel\u00e7ika \u00fc\u00e7 faizd\u0259n a\u015fa\u011f\u0131 istehlak kreditl\u0259ri \u00fc\u00e7\u00fcn \u0259n a\u015fa\u011f\u0131 faiz d\u0259r\u0259c\u0259l\u0259ri olan \u00f6lk\u0259l\u0259r s\u0131ras\u0131ndad\u0131r. \u0130poteka kreditl\u0259ri avrozona daxilind\u0259 \u00fcmumi kreditl\u0259\u015fm\u0259nin \u0259h\u0259miyy\u0259tli faizini t\u0259\u015fkil edir. Almaniyada istehlak krediti art\u0131m\u0131 2023-c\u00fc ild\u0259 0,6 faiz olsa da, 2024-c\u00fc ild\u0259 1,8%-\u0259 q\u0259d\u0259r artaca\u011f\u0131 proqnozla\u015fd\u0131r\u0131l\u0131r. Fransa bu sah\u0259d\u0259 daha \u00e7ox m\u00f6hk\u0259mlik n\u00fcmayi\u015f etdirir. Fransa \u00dcDM-i 2023-c\u00fc ilin birinci r\u00fcb\u00fcnd\u0259 0,2 faiz art\u0131b\u201d.<\/p>\n<p>G\u00fclb\u0259niz H\u00fcseynli \/ <a href=\"https:\/\/Millinews.az\" target=\"_blank\" class=\"kw-link\" rel=\"noopener\">Millinews.az<\/a>&#13;<br \/>\n        &#13;<br \/>\n&#13;<br \/>\n        &#13;<br \/>\n&#13;\n        <\/p>\n<p><noscript><\/p>\n<p>You must enable Javascript on your browser for the site to work optimally and display sections completely.<\/p>\n<p><\/noscript>\t\t&#13;<br \/>\n\t\t&#13;\n    <\/div>\n<p><script type=\"text\/javascript\">jQuery(document).ready(function () {\n(function(d, s, id) {\n    var js, fjs = d.getElementsByTagName(s)[0];\n    if (d.getElementById(id))\n        return;\n    js = d.createElement(s);\n    js.id = id;\n    js.src = \"\/\/connect.facebook.net\/az_AZ\/all.js#xfbml=1&appId=1002485763137712\";\n    fjs.parentNode.insertBefore(js, fjs);\n}(document, 'script', 'facebook-jssdk'));                \n});<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#13; &#13; Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) m\u0259lumat\u0131na g\u00f6r\u0259, bu ilin ikinci r\u00fcb\u00fcnd\u0259 Az\u0259rbaycan banklar\u0131nda istehlak kreditl\u0259rin\u0259 t\u0259l\u0259b 29 faiz art\u0131b. 2023-c\u00fc ilin birinci yar\u0131s\u0131nda Az\u0259rbaycan banklar\u0131n\u0131n istehlak kreditl\u0259ri portfeli 9.9% v\u0259 ya 571 milyon manat artaraq 6.3 milyard manat t\u0259\u015fkil edib. 2023-c\u00fc ilin birinci yar\u0131s\u0131nda biznes kreditl\u0259ri 7.3% (795 milyon manat) artaraq 11.7 milyard manat &hellip;<\/p>\n","protected":false},"author":1,"featured_media":4613,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-4612","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xeber"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/4612","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=4612"}],"version-history":[{"count":0,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/4612\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/4613"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4612"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4612"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}