\u0130qtisad\u00e7\u0131 ekspert V\u00fcqar Bayramov problemli kreditl\u0259r\u0259 kompensasiyalar\u0131n verilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259qdim olunan mexanizmd\u0259 bir s\u0131ra m\u0259s\u0259l\u0259l\u0259rin yenid\u0259n n\u0259z\u0259r\u0259 al\u0131nmas\u0131n\u0131 vacib hesab edib.<\/p>\n
\u201cRubin.az\u201d<\/strong> Qafqazinfo-ya istinad\u0259n x\u0259b\u0259r verir ki, o bildirib ki, kredit \u00f6hd\u0259liyini yerin\u0259 yetirmi\u015f zaminl\u0259r\u0259 kompensasiyan\u0131n \u00f6d\u0259nilm\u0259si mexanizminin t\u0259kmill\u0259\u015fdirilm\u0259sin\u0259 ehtiyac var: \u201cQaydalara \u0259sas\u0259n, kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xs borcu qaytarmaqdan imtina edib v\u0259 zamin \u00f6hd\u0259liyi yerin\u0259 yetirdiyi hallarda v\u0259sait zamin\u0259 \u00f6d\u0259nilm\u0259lidir. Qaydalara g\u00f6r\u0259, \u201ckompensasiyalar kredit t\u0259\u015fkilat\u0131n\u0131n m\u00fc\u015ft\u0259risi olan \u015f\u0259xsl\u0259r\u0259 hesablan\u0131r. Zamin \u00f6d\u0259diyi kredit \u00f6hd\u0259liyi h\u0259cmind\u0259 borcalandan M\u00fclki M\u0259c\u0259ll\u0259y\u0259 m\u00fcvafiq olaraq pulun geri \u00f6d\u0259nilm\u0259sini t\u0259l\u0259b etm\u0259k h\u00fcququ vard\u0131r.<\/p>\n Son ill\u0259r \u00f6d\u0259ni\u015fl\u0259rin h\u0259m\u00e7inin \u00f6d\u0259ni\u015f terminallar\u0131 vasit\u0259si il\u0259 d\u0259 apar\u0131ld\u0131\u011f\u0131n\u0131 n\u0259z\u0259r\u0259 alsaq, kompensasiyan\u0131n \u00fcnvanl\u0131l\u0131\u011f\u0131 xeyli m\u00fcr\u0259kk\u0259bl\u0259\u015fir. Amma m\u00f6vcud \u00f6d\u0259ni\u015f mexanizmi zaminin h\u0259min v\u0259saiti almas\u0131na \u00e7\u0259tinlik yarada bil\u0259r. Bel\u0259 ki, h\u0259min v\u0259saitin zamin\u0259 \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn borcun onun t\u0259r\u0259find\u0259n \u00f6d\u0259nildiyini t\u0259sdiq ed\u0259n m\u0259hk\u0259m\u0259 q\u0259rar\u0131na ehtiyac var. Dem\u0259li, borcu qaytarm\u0131\u015f zamin kompensasiyan\u0131 almaq \u00fc\u00e7\u00fcn m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259lidir v\u0259 bundan sonra m\u0259hk\u0259m\u0259 onun xeyirin\u0259 q\u0259rar q\u0259bul ed\u0259rs\u0259 ona v\u0259sait \u00f6d\u0259nil\u0259 bil\u0259r. Kompensasiyalar bu ay\u0131n\u0131n sonundan ba\u015flayaraq \u00f6d\u0259nil\u0259c\u0259k v\u0259 zamin m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etdiyi halda q\u0259rar\u0131n al\u0131nmas\u0131 bir aydan \u00e7ox zaman alacaq. N\u0259tic\u0259d\u0259, zamin m\u0259hk\u0259m\u0259 q\u0259rar\u0131n\u0131 alanad\u0259k kompensasiya krediti g\u00f6t\u00fcr\u0259n, amma borcu qaytarmaqdan imtina ed\u0259n \u015f\u0259xsin hesab\u0131na k\u00f6\u00e7\u00fcr\u00fcl\u0259 bil\u0259r. Bu is\u0259 o dem\u0259kdir ki, m\u0259hk\u0259m\u0259 q\u0259rar\u0131 olsa da bel\u0259 v\u0259sait q\u0259rardan \u00f6nc\u0259 \u00f6d\u0259nil\u0259c\u0259k v\u0259 n\u0259tic\u0259d\u0259 zamin pul ala bilm\u0259y\u0259c\u0259k. Amma kredit g\u00f6t\u00fcr\u00fcb x\u0259rcl\u0259yib v\u0259 onu ba\u015fqas\u0131na \u00f6d\u0259tdir\u0259n \u015f\u0259xs h\u0259tta kompensasiya da alacaq.<\/p>\n M\u0259s\u0259l\u0259n, bir v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n 8 min dollar kredit borcu olub v\u0259 onu \u00f6d\u0259m\u0259kd\u0259n imtina etdiyi \u00fc\u00e7\u00fcn krediti zamin qaytarmal\u0131 olub. Haz\u0131rda h\u0259min borca 4 min manat kompensasiya hesablan\u0131b. Kredit onu qaytaran\u0131n deyil g\u00f6t\u00fcr\u00fcb x\u0259rcl\u0259y\u0259nin ad\u0131na oldu\u011fu \u00fc\u00e7\u00fcn onun hesab\u0131na kompensasiya \u00f6d\u0259nil\u0259c\u0259k. Bununla da, zamin m\u0259hk\u0259m\u0259 q\u0259rar\u0131 alanad\u0259k art\u0131q krediti qaytarmayan \u015f\u0259xs kompensasiyan\u0131 alm\u0131\u015f olacaq v\u0259 bununla da \u00f6hd\u0259liyi yerin\u0259 yetir\u0259n \u015f\u0259xs v\u0259saitd\u0259n m\u0259rhum olacaq.<\/p>\n T\u0259klif edirik ki, kredit borcunu \u00f6d\u0259mi\u015f zaminl\u0259r\u0259 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etm\u0259k \u00fc\u00e7\u00fcn zaman m\u00fc\u0259yy\u0259nl\u0259\u015fdirilsin v\u0259 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t edil\u0259n kredit borclar\u0131 \u00fczr\u0259 kompensasiya q\u0259rardan sonra h\u0259yata ke\u00e7irilsin. M\u0259s\u0259l\u0259n, zamin kompensasiya almaq \u00fc\u00e7\u00fcn m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t edir v\u0259 bu m\u0259lumat Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 il\u0259 elektron b\u00f6l\u00fc\u015fd\u00fcr\u00fcl\u00fcr. Bundan sonra palata h\u0259min kreditl\u0259r \u00fczr\u0259 kompensasiya \u00f6d\u0259ni\u015finin yaln\u0131z m\u0259hk\u0259m\u0259 q\u0259rar\u0131ndan sonra f\u0259rdi qaydada h\u0259yata ke\u00e7irilm\u0259sini t\u0259min edir. Yaln\u0131z bu halda kompensasiya krediti \u00f6d\u0259mi\u015f zamin\u0259 \u00e7ata bil\u0259r. \u018fks halda, zaminin h\u0259min v\u0259saiti almaq imkanlar\u0131 xeyli \u00e7\u0259tin olacaq\u201d. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u015fi\u015firdilmi\u015f faiz borclar\u0131 silindikd\u0259n sonra kompensasiya \u00f6d\u0259ni\u015fi h\u0259yata ke\u00e7irilm\u0259lidir: \u201cB\u0259zi banklar kredit borcu olan \u015f\u0259xsin ad\u0131na b\u00f6y\u00fck m\u0259bl\u0259\u011fd\u0259 c\u0259rim\u0259 v\u0259 faizl\u0259r yaz\u0131blar. Apard\u0131\u011f\u0131m\u0131z t\u0259dqiqatlar g\u00f6st\u0259rir ki, bir s\u0131ra hallarda v\u0259t\u0259nda\u015f borcunu ba\u011flay\u0131b amma bank onun ad\u0131na faiz v\u0259 c\u0259rim\u0259 hesablamaqda davam edib. N\u0259tic\u0259d\u0259 h\u0259min \u015f\u0259xsin hesab\u0131nda b\u00f6y\u00fck m\u0259bl\u0259\u011fd\u0259 faiz toplan\u0131b.<\/p>\n M\u0259s\u0259l\u0259n, bank v\u0259t\u0259nda\u015f\u0131n ad\u0131na 4 min manat \u0259sass\u0131z faiz borcu yaz\u0131b v\u0259 h\u0259min \u015f\u0259xs\u0259 \u00e7atan kompensasiya 3500 manatd\u0131r. Bu halda o \u015f\u0259xs\u0259 \u00e7atacaq kompensasiya bank\u0131n qanunsuz hesablad\u0131\u011f\u0131 faiz v\u0259 c\u0259rim\u0259l\u0259rin \u00f6d\u0259nilm\u0259sin\u0259 y\u00f6n\u0259ldilir v\u0259 v\u0259t\u0259nda\u015f kompensasiyadan m\u0259rhum olur. T\u0259klif edirik ki, \u0259sas m\u0259bl\u0259\u011fi ki\u00e7ik olan v\u0259 ya olmayan, amma y\u00fcks\u0259k faiz borclar\u0131 olan kreditl\u0259rin f\u0259rdi qaydada qiym\u0259tl\u0259ndirilm\u0259si h\u0259yata ke\u00e7irilsin. \u018fg\u0259r kredit x\u0259tti \u00fczr\u0259 500 manat \u0259sas m\u0259bl\u0259\u011f 3500 manat \u015fi\u015firdilmi\u015f faiz \u00f6d\u0259ni\u015fl\u0259ri varsa o zaman art\u0131q hesablanm\u0131\u015f faizl\u0259r silindikd\u0259n sonra qal\u0131q borc kompensasiya il\u0259 m\u00fcqayis\u0259 olunsun. Kompensasiya \u00fczr\u0259 art\u0131q m\u0259bl\u0259\u011f v\u0259t\u0259nda\u015fa \u00f6d\u0259nilsin.<\/p>\n Bir s\u0131ra banklarda \u015f\u0259ffafl\u0131\u011f\u0131n g\u00fccl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn yeni qaydalar t\u0259tbiq olunsun. T\u0259hlill\u0259r b\u0259zi banklarda idar\u0259etm\u0259nin \u015f\u0259ffaf olmad\u0131\u011f\u0131n\u0131 \u00fcz\u0259 \u00e7\u0131xar\u0131r. M\u0259s\u0259l\u0259n, \u015f\u0259xsiyy\u0259t v\u0259siq\u0259sinin n\u00f6mr\u0259si olan s\u0259n\u0259dd\u0259ki ad il\u0259 kredit g\u00f6t\u00fcr\u0259nin ad\u0131 uy\u011fun g\u0259lmir v\u0259 s. Bu da n\u0259tic\u0259d\u0259 bir s\u0131ra kredit m\u0259bl\u0259\u011fl\u0259rinin hesablanmas\u0131nda \u00e7\u0259tinlikl\u0259r yarad\u0131r v\u0259 kompensasiya m\u0259bl\u0259\u011finin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sini \u00e7\u0259tinl\u0259\u015fdirir. Palata t\u0259r\u0259find\u0259n banklarda korperativ idar\u0259etm\u0259nin formala\u015fmas\u0131 v\u0259 \u015f\u0259ffafl\u0131\u011f\u0131n g\u00fccl\u0259ndirilm\u0259si m\u0259qs\u0259di il\u0259 ayr\u0131ca qaydalar haz\u0131rlan\u0131b t\u0259sdiq edilsin. Bu qaydalar\u0131n icras\u0131na n\u0259zar\u0259t g\u00fccl\u0259ndirilsin\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" \u0130qtisad\u00e7\u0131 ekspert V\u00fcqar Bayramov problemli kreditl\u0259r\u0259 kompensasiyalar\u0131n verilm\u0259si il\u0259 ba\u011fl\u0131 t\u0259qdim olunan mexanizmd\u0259 bir s\u0131ra m\u0259s\u0259l\u0259l\u0259rin yenid\u0259n n\u0259z\u0259r\u0259<\/p>\n","protected":false},"author":1,"featured_media":4298,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iqtisadiyyat"],"_links":{"self":[{"href":"https:\/\/rubin.az\/index.php?rest_route=\/wp\/v2\/posts\/4297","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rubin.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rubin.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rubin.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rubin.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4297"}],"version-history":[{"count":1,"href":"https:\/\/rubin.az\/index.php?rest_route=\/wp\/v2\/posts\/4297\/revisions"}],"predecessor-version":[{"id":4299,"href":"https:\/\/rubin.az\/index.php?rest_route=\/wp\/v2\/posts\/4297\/revisions\/4299"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rubin.az\/index.php?rest_route=\/wp\/v2\/media\/4298"}],"wp:attachment":[{"href":"https:\/\/rubin.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rubin.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rubin.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}